From the headquarters of the lambs solutions. Broadcasting from a dollar governmental studios adds that day Ramsay were met. Is cash is gaining in the pay of mortgage taken the place of the Bmw ass, the status symbol of children's I'm day? Ramsay your host, you, Japan, will talk about your life and your money. It's a free call, a triple eight, eight to five five, two to five: that's AAA eight to five five, two to five joining me on the shoulder Ramsay Personality, Chris Oaken, multiple

number one best showing author of the latest being the every day millionaires book were it is summation of the largest study of millionaires ever done in North America done by Remsen research, air, tight research, and a pretty incredible stuff. So Chris. Any time I go through crap in my life. If I'm gonna go, that I always want to get the lesson from it. If I'm gonna go through the pain, I won't get. The lesson says in every. Journey through the valley of the shadow of death. There is a lesson it the struggle in my marriage with em rate, kill or my kids weather

physical, whether its emotional spiritual financial business plan. Once whatever it is. If I'm gonna go through the crap, I want to get our come out of it. Something more than the pain. I want the pain to admit something s answer That's what America's doing right now we're going through a thing! No doubt and there are certainly some medical lessons, some public health, lessons things that, frankly, I don't Anything about nor mine, climbed, learn a lot about and are important issues, not why, God put me on the planet, but there economic, lessons and personal finance. Lessons, and when I went broke because our shoes, for there were lessons I had to learn, and I learned does since I've never had to go back there again. My goal is: if I'm gonna get the pain that stupid brings

I only want to get it watch us absolutely capacity to it as it is that you want a souvenir. I tell people. Information without application is just and information information, they gets applied in your life, because it has become wisdom and I think Dave we're getting a lot of people out there. Special, this money stuff that are starting to go. I don't like this. I don't like waiting to find out when the government sending a check. I don't like to wait on Congress to have to vote on somethin to figure out what I'm gonna do for myself, and actually people are waking up in seeing this for what it is. It is a I remember, being ten years old gonna nail out of a board was turned down a deck with my Grandpa and Aguero, tossed the nay only like one on nominal, and he made me lay down the board straightened out and see if that use nay on a coffee can't because he had

He had something out and how he had experienced called the great depression and reformed our are formed for him. His decisions about money, the rest of his life. Some of them were toxic than most. Were good. The simple frugality, in other words, I'm not gonna, spend everything a mega mugger waste waste not want not I'm not gonna, be he never wasted any thing I mean it was almost a pack rat because we fixed everything in those days now everything you throw away right, but you don't fix anything anymore but used to take something apart and fix it if he Hasbro, and you go down the basement on the workbench and do that and so the lessons are there. The lessons for this are you know You were engaged in stupid activities and you can get away with stupid whenever he's going good, but when stupid distress tested it comes up, lacking and and that's what's going on right now I mean you were like: oh, I ran,

you're. Just us, you know, you're, just a Bay Bureau, Boomer, meme and so just you know, yo you'd, understand, YOLO and you're. Just all guy ears heart, shaped our money and no, I I get having fun measuring up for fun as any body but been there and a man with an experience is now at the mercy of a man with an opinion and so you know what Warren Buffett says you can tell who was skinny dipping when the tide goes out, the money you were skinny dipping not here to say I told you so, but here's the thing Dat equals risk or bad equals more risk purse. All that equals personal risk and therefore volatility risk. It was volatility, you're, more unstable and so you're you're mountains. Sure higher and your valleys are lower

you take on more risking your life and that's true of the economy. Part problem with god- is that that we're gonna only based on everybody pays payments, but rob? I don't have a job that came, pay those payments, throne. Sudden one week with pay two weeks without pay three weeks without pay is a freaking end of the world catastrophe for folks, because that that valley is gonna, be it it's the depth of it and the, bead by which you reached the bottom of the valleys faster because of the dead dead, equals risk and it it it increases the the Activity of the overall economy- yes, the more of us that are more view that are in that I'm not end at any price increases personal volatility. What Dave you and I have said and talking almost eighty percent of people live in paycheck debate jack and I think people heard this that now there feel in it

see you you, you listen, math becomes different when you have experience and some of you out there are feeling that eight out of ten that don't hear just eighty percent. Think of tell your friends according that's that aid half of them are living paycheck to paycheck you bring closer home. They could tell your family members, eight of them and so now Julian houses on your street right now that are sitting on therefrom. Or social distancing. Yeah aid of them got a problem as soon as the income stops. There's no margin I can afford the payments in quotes means only if my job goes perfect and life goes just perfect and by the way it never- does that's stupid, but statement. This is not. I told you, so this is make sure that those of you.

I have not forgotten the lesson yet that you get watch here for you in this downturn. Did you get what Chris called a souvenir if you're gonna take the trip? Get the souvenir Gonna take the test. I understand the lesson and pass the test. Otherwise, we'll be another tasked with the same questions you get to take the test over. If you flung the task, So I understand the answers to the questions this time and is I told you, so it's not me beat me over the head. I had the same care, Happen to me, because I was dumber than Iraq and others did everything backwards and create a mass in my life and somehow always sit there right now and I feel sorry for you. I love you. I don't want you to be there ever again, this is your moment where you say: never again and some day, thirty forty years from now you're sitting with a grand baby on your knee in years back

torrent, bores, bad gum, fool and no more boy, Megan AIR now words and here's. What I got out of national aid out of bed you'll be turning round ball stories that we were better than Boomer story is very good. Climb people start climate round the rope don't all insurances great, if somebody else's paying for it. But if your footing the bill one dental die, com is a much better way for my listeners. One dental dot com is a disk membership, that gets you on limited, lower rates at the dentist, not just for cleaning, but even dentures implants, route, canals braces and more whether you're getting a plan for yourself, your family or your business, wonder dot com is the way to go visit. One dental,

I'd come today and learn how you can see the dentist on a budget? That's one dental dot com Thanks for joining us America Cordial, it goes from blinds dot. Com find out for yourself. Why blinds dot com is the number one online retailer of custom window covering free samples, shipping and new promos. All the time used the promo, Ramsay to get the best possible deal closer. Girls from Catherine, a new talk, I'm on babies. Five savings, kids college and I work for university. My benefits include complete undergraduate to it. Waivers for my spouse, independence,

plan on working in my current job until I retire, my children restriction for I'm wondering if you recommend There are still save a college fund for my two children, despite having tuition waiver for both? Should my children expected? the university I work for- or should I say, but for college in case they decide to go. Elsewhere, that's interesting. Haven't been familiar with the state system and they are very true to their word. That scenario when I was coaching and go into grad school. You know as your kids, in six years old. I love the idea and the concept that that's available, but who knows It can happen in twelve to fourteen years. I like that, of continuing to put money aside and saving up for your kids college, just in case and you know I think, that's the best thing to do- to be able to be prepared, but now known, yeah, ok, so one of two things happened

What is your still employed? In which case you got free school or not free school, my kids go into the Frisco, you better believe not really an optional, so they like the campus. Pretty or somewhere else. Well, I'm sorry, it's so hundred thousand. A decision or lobby, and you dont get to make that one. So we re going to school option. Number two is something: has happened with your career track and you're, not there, which is what you brought up, in which case you need money. And so there no downside to having morning. There's no luck! Wish? I hadn't done that right. You don't have that moment and so What I would do, a probably in out to the east, You sure you're gonna be there, and you feel that way. It is worded. It feels like youth, really think you're gonna be there. Ok does this, these words, were you use them to extend your think, you're gonna be there. I wouldn't

do a five twenty nine I would just do in Ottawa and that's a uniform transfer to minors ACT, which means the money is in the kids name. It's taxed at their right instead of your right, and so it won't have any taxes until it starts being a substantial amount of money now back when MIKE AIDS or little at that age? There was no five, twenty nine zero s eyes, and so that's the only way I could say for my kids college and so the only tax break is that it's not taxed at my radio is taxed at their rate, but the downside, it's in their name and so their money at twenty one. Now what ended up happening in my case, Catherine, was by the time my kids to college age. We had enough safe for them to go to college in their Quote college fund, unquote, which was just you will find in their name and a series of mutual funds in their name and then We were making up money, we just cash, flowed their college, and so they got. The ECB

one of the college fund as a graduation gift to start off their adult lives and therefore they are not in that going, not only from college, but for any because there sat with money and that money was already in their names, there's no tax implication of shifting into their name, and so on ok, let's say you built up. I don't know fifty a hundred grand and your kids name and then you're still work in there they go to school. For your kid graduates, fifty two hundred grand gets married. That's a down payment on the first I'll, try and they get. Their lush started off right. You know, of course, such assuming that they're not doing cocaine. You know which, in which case we would add this money. But it's like your name, but good luck. Finding so many Ngos we just have is weird thing: we love our children and we're not going participate in their stupidity, with financing so worked out for us. All of our kids turned out. Ok, and in

the garden there, but it's set them up for their lives so that Rachel, Daniel Denise we're getting married or being married, school, not only that free but with degrees, but also then they they had that money, and so that's that's what we're doing turns out like all super option, but there's no case where you're gonna go tat, gum, except if they were drug attic, something but there's no other way. Ok sure go. I just wish. I hadn't save that money. You know I'm with you I would save some and because it gives you options APOLLO money. Just really. It's good, for you give jobs, you never does, options. They are a good thing. You don't feel trapped, amen, children, Tennessee then you're welcome! they were amnesia. Highbury, vigorous thanks for taking my palm front. What's up So my wife got almost financial peace University about six months ago. Run baby steps to these knocked out.

Over nine thousand dollar debt so far, so we have three small credit card. That's not looked about six thousand between three and the next thing and mine has my wife's car we had to cancel. Are we had saved up some money for our adversary trip which were cancelling debt What's going on, I now and worth thinking about that money and with the stimulus money from the government or considering just hitting out for my reply, wife's car rather than paying off these smaller credit card debt.

Ok from a tree on the garden eyes, thirteen thousand six hundred and something but your household income by eighty thousand and how much we paid off in that so far in the six months we ve paid off about nine thousand she's, not really making good progress. I'd sure, like were due in pretty good. We ve made up cut back on our budget, definitely feels like we ve paid off seven or eight different debts at this point on good, ok! Well, I would do what I taught you to do, which is worker debts, noble, smallest largest? How much is in the anniversary account

about seven hundred dollars. Ok was not very big thing. Ok, so you got twenty four hundred and three thousands what you got to throw out the thing anyway. What you say you owed on the car we owe about thirteen thousand that's worth about nine. So has the stimulus knocking out that we have two kids, also less another thousand. She got thirty four hundred plus seven hundred is not thirteen thousand, one hour. Wait in the car is power alone. Is thirteen thousand and cars worth about nine thousand. You want to sell the car our took up a guy. I miss that I thought you were paying off the car you out. Border on the baby steps, but If you're using this to sell the car and clear a debt Yom back with you, then I would do that. Ok,

the three other debt we have our only about seventy box a month. If we do it with a car, refrain up six hundred dollars a month for our budget that cars a nightmare. I can tell everything about the numbers I sucks so yeah. I think the yeah yeah what we want. We always tell people to do out of order, because it's not a thirteen thousand dollar debt that you're taken on its a three thousand dollar that the amount that your upside down is allowed for. Dealing with and you ve got this cash young people. That in this case I would definitely would do that. Tell us about someone the car, ok, he said Take out you get in the car right, but are we brought him at the dead so that that's difference in so yeah I mean yes, that makes lance and arm and that's a big sacrificing there you go and here's a good news. You're gonna go on a better anniversary trip because of that then You had planned what anniversary this is, but Sherman I've been on from anniversary trips, since we were

broke anymore and they are nice. When you ain't broke, no more That's just a little bit nicer little criticise it merits a little bit. Nicer live like no one else later. You can live and give like no one else, and that's what you're doing right now, man, you pay enterprise to win proud of you or a colony, and I'm glad we can help gonna die Ramsay here on the day, Ramsay show listen

now, more than ever, your shopping online. Do me a favor, be smart with your purchases and join honey by downloading honey to your computer. Your guaranteed to get the best deal available. Honey is a free online shopping to that automatically finds the best promo code and apply them to your card plus honey supports over thirty thousand stores online and is a pay pal pardner gotta honey today for free, join honey, dotcom, Slash, Ramsay, pace elusive weathers and imagine if I picked up the right line anyway, I would have been and their re do their dad free scream from why arming guys our yeah,

Well, then, how are you awesomeness show how much of you paid off guys we paid you one thousand dollars and twenty months good for you, a new range of income during the time our range of income was sixty thousand to ninety thousand dollar. What do you do for a living I think I was a kid I was then I also clean a few houses, while our youngest that preschool a few morning, the weak, high school math, feature, I saw a worse depleting local church here I paint over the summer I do summer school, then I'm a soccer coaches, well, man, Surely all the time. So what you re thinking about what you do to kick the income, thirty grand just all those extra jobs and stuff Yeah, you know is one of those things that you know. We really wanted to accomplish this goal and we just got crazy. What Here again we found every opportunity that we could to bring our income up and down I thought we were able to get mad at thirty thousand increase their very good

That was the anyone It was his truck and our house nor made up your ass. We saw wherein Wyoming are you how'd, it go whirlwind Wyoming, nor central location, where this house worse, that you paid off, so the houses were anywhere When one forty and one fifty and like a nice, place outwardly in the pictures on Youtube. What's the squire footage on a couple thousand yeah, ok, so MECCA, and forty thousand in that area. Buzz a lotta house now area, Levine yeah. You know you got a great place there for that kind of money and your damn free combining grand a year absolutely hastily. How much did you all on this truck at ten thousand? Ok and south symbolic monitoring not as bad as I thought I was gonna be. So what caused you all to say enough is enough we're getting this day

out of our lives, yeah? Well, you know when I was gonna, my parents were always very conservative. You know it's not that they didn't. But they were always pretty conservative. When I started within a day sometime uneasy something called the roadmap exactly when, by It may no longer than men, and I knew I wanted to live that way and dumb. A little bit longer to get his views on board to give to the few years there so me like it had to be my idea for me to fully engaged in the programme, and I was funny about it- was tat. You know me about three years: a high school needed another man teacher to teach foundations and personal finances. I just jump at the opportunity and I was like my life- has been talking to me about all of these. I need really figure out. Why, what this is all about, and you know, We see after that. You can give me the opportunity to,

thousands, like you, know the programme? Now you know what you're doing now. Let's get it done just that while for it to be, Europe took four she's, a brilliant wife and children about making your idea. That's right. You got fallen, told that you don't. You know. You know I came home and- and I told her about like honey they're looking for somebody to teach foundations and personal finances soup, Basically thought you better. Do you have to fight for that class? You better make sure that they give it to you. You thanks for teaching at home and its rewarding watches teenagers, learn to stop it. Yes, definitely a hundred per cent in the actual listening to me right now. My takes very clapped him and I guess I am very happy that I get to share just our journey with them and that they actually can see at a very young age that you know it's possible is possible to live a death, a death

life and that you can still accomplish a lot of things without borrowing money shortly about ignorance about got, grew spots sitting here, figure your kids are listening to you too. You all or didn't really become real. He rose to them because you just teach him you did it you all! You did it and you're about to give an imprint in their brain that there never going to forget great job. I'm proud of you guys smile, ask Ashcombe mandate, you did it. For each Grandmama day, rambler show. I was listening in Now, I'm thirty, and now I'm thirty and I'm almost a millionaire. That's one of those kids listening rights. That's exactly right! That's amazing! Now: sporting girl, guy I'm so proud of your arrows, not only in your personal lives, but what you're doing there in the high school. Thank you for all that. Absolutely incredible! Ok, shout now Megan. Now that you, from a conservative financial family,

who actually having techniques to apply an and steps to apply. What are you tell people, The key to getting out of debt is you have a very impressive story here, yeah will definitely thereby did is viewed in and I really love. We were gonna talk. Not this is, I think, a lot of people the copy and paste month a month and oh man, I just so that work in our an dumb. So it's really key for us to sit down together this man, is that when the last month and something say the same, what we needed tweak some things and move the money around in Switzerland. Huge Brad. The budget is huge and I think I think I would add that Dave and crews that you don't dreaming together ensure innovations very important so that having the why, before the waters is crucial, and do what you're doing and to add with one Megan strategist, working together towards a common goal. You know I'm truly blackmail,

get off my wife- and I just couldn't imagine outcome is done if the report, both in opposite directions, You know, even though, for a good portion of times she wasn't bring in commenting on. You know she was now Cooper you know for either now and buying groceries only when they were on sale and, in fact, even when Megan would come home, and I would tell her You bring me my favorite chips when a store. You know my kid for always really quickly when they bring I'm sorry dad. They went on sale that day. Even I kinda train with that some very bless tee to have her. You know side and really had a great. You may now makes all the difference in the world and that's what people on our stand. They think personal finances, a math problem, it's a relationship problem where's your ship with each other relationship with the person on your mirror, and when you get all that stuff lined up, the math suddenly start to work. It's pretty amazing anymore,

I can tell you do so. You guys are really onto something there. Well, congratulations you guys. We are very proud of you. We ve got a copy of Christians book for one best seller, everyday millionaires. Finally, on your way to doing that- and I love that you got the six period on their way to being every day, millionaires go six period, were Soria love, it very, very cool. Our I did say: Susan Megan, eighty one thousand dollars by our ban twenty March, making sixteen ninety Kay reverting these people officially weird counting down, what's era, debt very scream here too one who live. This girl, wow, stinking amazing.

Our lives go to Melanie in New Jersey by monarchy and not hit the right, but never go Milanese in New Jersey, Melanie Aria, my lover. So thanks to my for taking my call, thank you. How can I help so my mom? lay in January, and she had several credit cards with death by one of the credit card company pulled out that. The balance is around thirteen hundred and they said that they would discharge it, and- you have to pay back, but you did receive claim against the estate from that collection, Asia am I wasn't sure if we need to pay we don't have to pay it, but the estate does have a guy that, even at the credit card company,

they destroy. You do you have it in writing now over the found, the I didn't happen, they lied. Have you don't even in writing, it didn't happen you're, gonna, Cargan, rather more collectors, you can tell their lying if their mouth move, so the estate has assets to pay its. That's all. Just gotta clean up a mass them in that they are paying. I'm sorry, but yeah What you want you pass away, what you don't know the money, but what he owned versus what Oh, we were asked to be paid assets liabilities as net worth and that's what the estate looks out so yeah they're gonna get paid. Now you can negotiate whether may get him to saddle

So what we are doing something with every two weeks ago, when our team left the building to work from home, there's a skeleton crew of thirty out of a thousand here, getting these red. Shows out again common show in all the various podcast and that Ramsay show and putting the Cryptogams all that, but we pivoted- and the first thing we do is we sat down on the Monday morning when basic the nation shut down that weak are the week before the week after a rat in there and a lot of popcorn doing a lot of people to stay at home orders, those kinds of things, and so a lot of folks are home. That simple and we said: how can how can we serve people at home?

And what can we do during these unprecedented high stress times where we ve tens of millions of Americans by the time or through will have lost their jobs outward about ten million right now, jobs report comes out again. You know it's gonna be by out again, and so I may, when you got, companies like may cease, lay off a hundred thousand in all the major rent. A car companies have laid out with about eighty percent and basically Mary out, and you know their various properties like the gay, Lord properties and the Ritz properties all shut down and all those people on the street

so you got bigger employment going rampant show. How can we help and we so well financial Beach oversees help more people than anybody else than any other class in in recent history in the history of last hundred years or so on? Personal finances, the gold standard of personal financed classes to learn how to handle money get on a budget. That bill wealth be incredibly generous and there's nine lessons typically taught over nine weeks, but you can take the many time there. The whole classes on line and so we said what we're gonna do is, and we started this it'll be fourteen days ago tomorrow, and so, when we're continuing it right now, I don't know how long will continue it, but for now its continued, including today, at this moment and financial peace University now, is a fourteen day free trial, which Proteus allows

binge watch that instead Tiger King, ok and the legacy journeys in there and smart money markets, there's a lot of stuff in there that beats narcos. Ok, and so I mean your bill, he's been, who are ozarks or whatever it is your bench watching I'm bringing up all the Netflix shows. I keep hearing people watching, but in a just cause you know it's it's guilty pleasures. I guess. But this is not this brain candy brain food and college. It gives you the information to come out. Of this time with the information and never be vulnerable to this type of thing? Financially again and it's a fourteen day free trial, Godaddy, Ramsay, dot com, slash Open Chris, we got a lot of other stuff as well. At that on that website that we threw up there, that's free or almost four. Oh, it get absolutely Dave. For example, you can get the book the audio of the total money make over

aids number one national best, selling book. It was the book. The change the game for me, you can get that audio for a dollar Ninety nine people, the audio books. You also have access to begin comments. Both the proximity principle for a dollar. Ninety nine important little comfort, absolutely or you know someone that's looking for a job, and so alarming fifteen minute call one of our coaches, which again here this hold on you, can get a free fifteen minute call with a financial coach. Ok, here this, and so you got an opportunity to begin to change the game, and I know a lot people out there are feeling the pain and fill in the stress and the crops, but I want to tell you something it's time to equip yourself it's time to ready for that never again moment. Were you never again feel vulnerable? You never again like your ill prepared, you got an opera, ready to take some take a stance for yourself and your future and we got but time on our hands, so don't tell me you do too busy or you can afford to lose

but you can't afford not to do this night such a nine weeks you can get in there and watch it, get it and start to equip yourself. It's it's a fantastic opportunity now, fourteen day, we ve never done this in thirty years, and so it's just for you guys right now and it's a way for you to get the information and the inspiration and dates of full premium product within dumbing down. It's the whole thing completely free for fourteen day free trial, they Ramsay dot com, slash hope to get that in all the other stuff. That's where there's a whole list of things they are there.

Mickey banished to everyday. So if you haven't gone back and checked and will, while the list is getting rather long go through all of them Georgia's in north gone, I George welcomed that I've Ramsay show thank you so much guides dirty work by both of you, my wife and I air, and my two kids for that matter, where account of all the time like this from following the principle. So thank you so much. Thank you. My question is about investments I have two different accounts zooming. I need it somehow get these two a rope. I re. I have a four one came through my employer. It was a role for one k, but they got matching when opening Roman was in. Also, I stopped in MILAN and apply, and I suppose, but I can't do anything with them one in July we stop working for them for three years or some sort of stipulation, but the other one

The ship library reported your traditional irae some years back, God now I want to point out that you, a raw right got, get bid in their Amanda. Just told me, I'd believe it's like thirty two thousand, my journey from somewhere around Cassius your gotcha seminary thousand hours in taxes, given what your tax rate is when you do that, to have that bill until you ve gotten anything else paid offer yadda that everybody else were chip away at the house later, eight to ten thousand a month extra principle now, don't go that you would delay paying off your house by one month roughly, if you converters, wroth and greater eight thousand our tax bill, but do that now why the markets, low wage dead matter,

got a matter that young people are probably would probably would because it does matter because you're right, because the dough shares then are gonna grow from this point. The this the next rebound, which may be rather sharp, would be tax free growth which otherwise, if you wait all of that's taxable Morgan increase the tax created. When you do the conversion, so ya think it's a great time to convert to Iraq. I haven't thought about that, but that's exactly right. That's why gwine to call an aunt you, because I was waiting because of the taxes I didn't. I

The budget as a year ago, I was in the tradition of NATO's back towards George. What's your household income, just under two hundred thousand combined, ok, yeah I'd, I agree with Dave. I think you could deftly go ahead and move on this put yourself in position. But again, then you want to turn your attention to attack and the house yeah. I think you're gonna start your own people, eight thousand a month you sat right, I'm out dear entrepreneur year, we got this thing is lurking behind man. You can hundred thousand about try your papa. You don't be done. No Doha things out his hands out so delaying that by one month to take advantage of the dipped market and low the amount of the taxes and then the tax free growth are the growth by tax for growth. From his point forward excellent time to convert to Iraq, I would not do it guys the rest of you listening everyone baby step to tramp of credit cards which up to now largely

your traditional traditional. You can go back and address it later, but he A unique situation where he's it in all the tail of baby steps for five six. Tail end of that and so wish again a little bit of a day to a rather and knocking that out because of the man. That's right now, listen to me! If you are out there and you're walking through the babies have do me. A favor Oh the recipe. Ok, I've had a few. I would call it the crossover enjoying their like we're hold on. I want to do this. No ok, recipe is not broke. Follow it right. If you want in result of what the recipe brings, which is what living like What also later you can live and give follow the recipe and that's so true I mean even right now. Don't try to recreate, don't think too much follow the recipe it works. Now thee she is hereby talks about criticizes issues. Are we sure that just its frustrating don't do that? Well I mean it all.

At some point have to realize I gotta have held, and if I gotta have help, I gotta take the advice, yes and that's submitting yourself and for me that's hard, because I'm always right about everything. Even if I don't know I'm talking about some Ayala that way to spend I'll go with me this hour, and next to this is that favour amnesia in the middle of these uncertain times. Ramsay solutions wants to give you some hope, for the very first time ever were giving you financial peace University free for fourteen day after day, Ramsay Dotcom Slideshow. So you can watch

money is the only thing we talk about around here. Get life. Changing advice on your career from my good friend and career expert can comment on my kin common show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, can com and show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is you were born to do and then will help create a plan to make your dream job a reality. You matter and you have what it takes, conversation on the can com and show hear more from the Ramsay network, including the current common shop. Where ever you listened about gas, hey it's the producer of the Dave, Ramsay show this