From the headquarters of Ramsay Solution Broadcasting, you dollar marginal studios. It's the Rams, Asia work that is done in the pay of mortgage, taking the place of the Bmw how's, the status symbol of challenge that only a limbs, personality number one by showing all three degrees Michael's today. Only here we're talking to you about your life, about your money, open phones, a triple eight, eight to five five, two to five triple eight eight to five: five, two to five Charlotte

Grand Rapids Michigan Haitian welcomed that I've Ramsay Show Anthony. hey! What's our man, I'm not much? I'm just wondering come on baby step, or I guess and what the other is no gas, because to complete it, one two and three but You don't know how said I am actually saving for retirement, because I don't No, they could ever like envision. Myself actual, retiring up, I'm silken right now? How would he right now? when his eyes? How will you be next year? Twenty six February? Ok so do you see what I'm goin here here So you're saying I don't you're getting older, and I do not know that yeah and I it's you limit their mother me little

I probably sorry about that off Rowan I got Dave started. I'm sorry now alike it why entering undersized early twenty five years old not motivated to start thinking about your future. Hey, let's try this one of which the word from retirement too rich. I, like that way. I mean I really like the sound of that two sides hang down and I understand that, but I just really enjoy working meetings. I plan to work until I die a matter of fact: I'm gonna stay around here and to spread heightened ascension in this building. No, my ass for me, I old and old, and dementia crept in and others not be making since on there and James live to be hit me Dumbarton. Will thanks hey what you have put it, but This is what I'm thinking like at that point like say, I were to go

Out of my mind, like dementia, like cannot kings physically, not work any more on. Couldn't just have money in the bank to be able to take care of those. You have a problem. the bank pays crap. Yes, they like to persuade- and I shall let let's pretend that unless pertain that you the tyre you reach old age, whatever you want to call old at twenty five years old. the old mouse lot older than it used to be so, but if just pretend you reach old age and you either how a million dollars or you don't write. One life is better than the other one here then make choices about whether you want to work or not work dude. I haven't had no work in years financial police a long time you yeah

what I want to work out, what you're doing yeah, and so you do the same thing. Man build Europe, some wealth, and so I think what you are confusing is. Is it you think you have to sit on a dark and fish at fifty five years old and may be catch fish and just get a sunburn and you call that retirement retirement. to us means you got our huge pile of money and you can spend the next thirty years, giving giving it away and never have given it all away, because the PA was so you'd think pieces in September that what you think about your future, you thinkin about fifty five. What if retired forty five, when he can be a boy if you could be like gave em myself casino I may find entropy is I don't work? I actually enjoy doing what I do with Dave and our team here. This is not a ninety five I gotta get up and have to go to this. This is our love, helping people what, if dec- b, you at thirty five at forty five, but you have to start practicing these principles. Now an evolution a million dollars in your mind.

funds at retirement is not a lot It gives you a lot more choices, then not have any money at retirement and depending on the government, for social insecurity. Yes, and so you do not want the mantra of your life to go all my life and up the government, which is well known for its ability to handle money, will take care of me. That's not a good and so now you need. The point is retirement. The pointers build wealth, yeah, that's it that's the point, so just Andrew Van Accurate, our own, a change, your verbiage on it and maybe that'll changed the way you're looking at it. Now how we build wealth, the most efficient way to build wealth is in tax, free growth which happens to be in this thing called term a plant Roth, yes, but that's the most efficient way to bill wealth. Yes, keep the government's freaking hands off your money, absolute and that you know, or by paid for state which had been it grows without it

actors on the growth until you sell it. Capital gains growth is not taxable its realized, but not recognised under tax law, and so you can do stuff like that, but become wealthy, so that You can not all live, your best life not only be, outrageously, generous to others, but someday. You might have a family and you actually want to change your family tree, the biased as a good man, Legion inheritance to his children's children. Now that's what we talk about Dave now begin legacy legacy das there. that's not retirement! This was a money. Its wealth and so it happens to be- that the most the first steps to becoming wealthy and the most tax efficient, invest. are those inside of retirement plans, but Just take the word. Retirement often call this is the best. to get rich yeah there. Then it changes your mindset, maybe, and- Davy now I want, I want to say right, dare which cause you you ve taught me so much from joining

our team, a really just learning from you watching what you do for your family. here is another reason why I am always recommend into millennia, so think about rich think about wealth towards retirement. Not just words retirement, because what can you leave to your children, children steep Harvey was on the show with open and pre allow back in He was tell a story how his great great grandmother was passing away and she Steve, she says to you: do you know you great grandfathers name? He said No, she said: do you know why and he said now she said because he didn't leave you anything and that shook me when I was watching her up, and I said I don't when I die and much older children. I dont even know my name

the Vanderbilt, no Cornelius morality. This be really got a picture of the other Commodore over that had come on over the mantle baby. You know when I look at you you're your grandchildren, children would know your name and I, the last up, a ruckus. You did, and I hope to build for what we have people. And so we are. You know death for me. Is that why you know I want my grandchildren and about my kids said: hey idea is not well for wealth. Shake you money, just a pilot up, that's mental illness. You go to Africa, but the money is only good for cup, thanks, desert, give it yes, enjoy yet. Yes, I am have long term eternal, impacting the changing of your family traffic data, and so you can take some money reach over and change the destiny of somebody's life, change the direction the trick, factory if someone's life and they might

we can t guess her like a great granby. Yes, then money has had a value at that point, data just piling up to say: I'm rich. Nobody, I mean that's shallow nobody's a crap like Are you drive pastures, shallow, shallow being about once a day you for what car you drop? Don't let her go on the impact of future, not impress this is the Rams Asia. Folks around by our market is fierce this year when the market is this tie called Churchill mortgage and get the most control through their certified homebuyers programme, simply go to Churchill, mortgage dotcom or call triple eight alone. Two hundred, that's Churchill, mortgage dot com. This is it

advertisement: animal s idea, one five: nine one: animal s: consumer access, dot, Org, equal housing, lender seventeen, forty nine Mallory Lane Sweet one hundred Brentwood Tennessee, three, seven zero to seven programmes are for select loan types only and are not available in all states locations. Romeo Ramsay personality is my co host today of the funds for polite eight to five five, two to five, he is with us in Pittsburgh, Pennsylvania. I Becky. That I am sure my gentleman things for you my call sure. What's up, So my husband, I are currently babies feminine virtue. We ve paid off about Let him thousand over forty two thousand dollar that since August, were planning to make a move from Pennsylvania to North Carolina in July, and my question is: should we halt baby Sab two or put money aside through dialogue, it you're gonna have to it's not hold,

We just have to adjust, stop everything and pile up cash for the move. Could you do play don't sell in our house here to make a profit on there and then raining when we get down there until he could make us in a substantial He met side it now if we should do some other profit from the house, Sir, but when you show your home and you make the move them Skype. That gives you the cash to pay off over the driver. dead, free, then a new gone and restart your baby steps when you landed North Carolina, but you're probably gonna need some cash to make this move and we're gonna get the household, cracked and back here, Here's a key theme to over the one should do is on babies. Have too much a hero. Debt Dave said he set pause in a stack of cash. Now for me that means budget due to search identify how much money you need so view. Neither safer, unexampled tank random. The move washing the ten grand go ahead and go back on a baby set number two and you start attacking it. Could you had the cash stacked away,

now, of course, when the House shares your project and pay off, everything starts at a good move. That's fine good! For you, guys, Brian is whether the range and Memphis shy Brian welcome that I ran Felicia. Sire. May my wife were blessed enough to find your programme back in August then, somehow, after on board in worldwide the two rock and well? We got rid of sixty six thousand mile. It's all this. For you, my Earl, the word out for blood well done my question is about? We ended up with two more to weed out through a home bought a home before we sold, are other home and wore a mile limit is forty three thousand on the home and we try to sell at the real iter settled about ninety added on the market for about eight months with zero interested in buying overwhelming many running it,

We cannot just got tired of carried him a house and decided to run it. But our readers are getting ready to leave, and my next question is: how does the intense should I be? Don't get rid of this time without this doing something stupid, as far as you know, put monotony thousand our alot herself or forty three thousand just to get rid of it? While wouldn't I wouldn't do that you're not even for closed down, there's no reason to give it away. So you have, we have left problems, or both your house What price to how are your realtors adieu, fish, number two is finished, her gay, which may mean that thousands price do. I do. I don't know I'm eager zero interest of any kind. I'm thinking it's not if it may not be a ninety thousand around. It might be an eighty thousand ourselves, but we know it's not a forty three thousand. Jump online, a diagram she'd our common get in touch with one of our key opiates for real estate, their high.

train high protein undergo shoot. You strike one of the ways that are real her real stage and is an excellent roast agent and moves alot of volume. Is they don't talk? listings that are surprised listings that are priced for sale, not to give away, but their price properly, and they don't got a seller. Doesnt gets it aside, dad in the sense that you That aside it at your house, but I mean ear look at actual statistical evidence called out comparative market analysis, an appraisal of the property than the real estate agent does showing you camps in the area, and you look at that NGO. This house does need to be listed at ninety needs to be listed at eighty two five and then move or whatever it is annul now, but I think, What's happened to you? Probably you could be just a little bit off and just enough off that you ran off because what happened get give it give our role when they

your price, bread and butter? beginning to give it away. Start fresh with a good real estate. Agent get good information and less price rise springs. Coming ass, great great great brain roasted hoppin man, a really is until I'm doing the same thing as as s what I would do day good go alone, Alex is college Station Texas, delay and what's up Alex davy, I'm just a good question, though my wife and I I'll, be there. We value the year clear thinking, but I can only thank days to get the three are explicitly said in the House That's not looking like for about two years. She eyewash you go to school. she's able to

neither degree in teaching and became a teacher Can the buyer that just in case we move, I really like the job Just look at this, be one that should be That's funny destiny, some about twenty five, twenty, four, surely, and pilot money for dumping. It now be to you anyway, for years I don't want you to go for years without investing Alex. Now what you can do, invest percent and while you're vesting fifteen percent going ahead and star saving a load a bit now, once you all find where you are a lot of what you are about to have a pair jus pausing load a bit to save up aggressively for a down payment, but right now I want to take advantage of your age of the season investigate percent, you can start saving some extra aside then, when you I'll get there by thirty fine, you, your home, your city, then you can pause to aggressive legal act here.

payment by. Please take advantage of your age and time and investing right now, you're, exactly that's exactly as well done. So what I would do you know how that is falling Plan but just look out their lobbying say: ok, today, it's for years, but a couple of years from now you look at me, go two years and were kind thinkin by then we want to be over an x or why city? And you start really kind of dying in your details and you go ok. Two years out, I might stop and pile up, and get ready for Madame payment at that point. But right now, I'm with Anthony. Let's get started on the investing. You got plenty a time here and you can always started in that context of if you need to You may be able to save her down payment beyond the fifteen percent and never stop it. That's a possibility to I like that, and you know if you just keep working on it and and pushing along now. I obviously we're doing this while she's in school he's working so well paid budget. My guess is brought my locker room in this, but that's not

had planted on Walden open the triple eight eight to five five, two to five thank you. for joining us America now how many you guys are stretched out or you're hurting potential retirement savings, took a major hit last year took a major hit last year. If you took it out at exactly the wrong time seeking. Maybe your super close retiring in your wondering. If you should work a few more years, maybe you're trying to say out this overall situation in. I don't know what to do with my investing, so you need a pro when you're corner the coach you and it's not to tell you to do. I don't do what the Ethiopian the smartest approach tells me what to do. I learn from the hum and then I make it a fish. I have a suggestion probably, but this is not my Tell me what to do with my money and I blindly follow my guy. You don't do that If you want to learn to invest where you got, questions about your retirement text, invest

three, three, seven, eight, nine! fine and investment pro in your area, never again face a global crisis alone text. Invest too thirty, three seven eight investor. Thirty, three, seven eight and I want to say is suited to America when you do that tests were about, you can get like three to five smart there farmers who are highly qualified individuals, but let me say this interview, all five of them and see and worse best for you and your family. Maybe We're slowly yet what do we do? You connect up with them and what always looking for with financial people, whatever kind of financial point, it is the heart of a teacher I was looking for. Someone is teaching you and you'll know you. Ve got some more. The heart of a teacher does not feel slime You don't feel sold you

learn something irritably conversation weather and that's what you want to do. You'll be around people teaching you something so that you can make better decisions with your money. How this works really know What time of year it is focusing on your family's financial plan is always a smart move,

questions all the time about where to start and want to do first getting term life insurance needs to be a top priority. I recommend to the twelve times your income and lock in rates for fifteen or twenty years. This gives you plenty of time to get out of that and bill wealth. I've been recommending Zander Insurance for over twenty years. They understand and live the strategy and will take the time to help you find the most affordable term life rights, gotta, Zander, dot, com or call eight hundred three five, six, forty to eighty two: The real real Ramsay personality is my co host. So they hear on the open phones AAA eight to five. Five two to five crystal is whether, in Orlando Florida high Crystal welcomed that Abrahams ratio-

I gave my Anthony good afternoon. Things were taking like all true. What's up, I'm very long story short, my myself and my husband are buying a new peace, but we are spelling our current home to over equity in foreign. You down payment all under your guideline, but my spot kinda. I've been. He actually would like the purchase, our current home as a length of property, and he would just be paying cash already for the property. I'm focus calling Your guidance is there anyway to do things. The right but also avoid paying any unnecessary feeders budgets for them nature or any associated costs, fifty transfer. That overture heavy sure. Its fairly easy. Today we have a real estate agent friend. Everybody does yeah yeah, yeah ask them which title company they use and to give you a an introduction to title company

You can either get the real estate agent friend to give you a contract. Contract and show you how to spell it out as a favour or the title, but I can do that. And then because you do want to do a contract. why not because were scared about diet or something, but because issues like the prohibition of taxes or whatever issues, repairs. All those kinds of things need to be a been covered on the contract, so that everybody in the deal knows what the real looks like. It's not a big deal some fairly simple little real residential, real estate contract form, there's not smell, science and then that title company can do the closing, for you all agree, now prepare the deed and your daddy when a cash transactions was very easy. If I were him, I would purchase title insurance, I always by title insurance when I buy real estate, and then, and he could buy from that title company and they will probably charge you

very, very little. To actually do the closing and in the closing, involves drafting the deeds having him down by signing the deeds, though, closing statement This shows that the proceeds coming in and the expenses going out the preparations going out and the net proceeds to you he'll, give my cashmeres check. They I'll give you a casual check or even wire it either. One small news, Stay in time to do it. Why aren't you at all by email? Nobody even goes to the title company in the old days were used actually go. There have a physical closing moment where we signed all the documents, but that's not done that much anymore and so, but can do all of that. For you it's couple honour box. Maybe plus or minus him by a total policy. If he chooses to- or you furnishing imitate apology if you choose to do that by How? I would and let us have the total Kameido for your parents. They could think

so much and my husband and I went through a few feet off the hundred and ten thousand dollars and thirteen months. While you do anything now in which can't thank you enough, Craig putting us in such a good one for a place, you guys are in the new babies, I'm away you're dead. Three, the also sold to dad to life is good way to go. Thank you. Thank you, Thank you so much. I do appreciate your calling all some very very cool Zack is in young town Isaac. Our you not you burn area better than I deserve. How can we help to date? long story short. I got injured at work at the beginning of this year and can lead to another. Now, I'm about seven months behind among mortgage payment and looking at port closure

looking at all options and feel like bankruptcies. My only way out I'll see if there's any other way. I'm sorry are you feeling better. yeah, I'm getting much better. I had surgery couple months ago and unjust now, starting to slowly get back into work by paying you workers comp. are, but that has been up and down rollercoaster from the get go. I one about four or five months without any pay before it. I'll get settled, are you married? the moors for years. the person in the house man, I'm sorry down on a horrible thing to go through. Ok! Well, let's talk through for a second watch, the house worth who already now I was actually in the middle before I got, hurt us doing some remodeling

Could we shall it for quickly seventy five and what I want is eighty five show you ve torn it up enough that its devalued even below what you, oh yes, what kind of mortgage do you have f, HIV or conventional ethical? Ok, and your purpose for falling bankruptcy use what Basically, what goes around the house do you know what you did for closure, and now I also have a five per month. Child support five hundred dollars a month, our payment about two hundred dollars and adapt consolidation that I had done after that, wars support is not bankrupt, only there's, alimony, ok

it's not going away the car payments not going away like the car goes away. Shell, the car- let's and if the shop, here's the thing banker she's a ten out of ten being an atom bomb on your credit and your future. Ok more closure on a home except for her, She's a buying another home is about four out of ten, it doesn't really effect. you that much and everything, It does not pursue deficits, meaning heard, doesn't come after you if doesn't bring enough, so stay there until the foreclosure have a rental land up a move out and in the meantime, pile up caches highs. You can pilot, sell the car get. Five under dollar payment, the child support are going away anyway and if you do,

all of that bankruptcy. He's not gonna, do anything for you there. You're, going to go through the foreclosure worthy of our perhaps you are not there's bankruptcy doesn't stop or for closure and theirs a bankruptcy that wipes out of car payment, unless you hand them the keys to the car, so you don't get to keep car. Without the car payment and this carbon it's killing you for the car needs to leave, and this house's a mass Euro Europe, you saw the car and you movement or rental, and you getting an income coming again. That's your quickest! rebuild your life. You don't need a file bankruptcy. I agree with you David Zack, hello. Would it be before you can get a income coming back in I'm starting basically a sliding scale to your back to work and then about half a day now, hopefully within

three months? I will be back for tat same company, I'm gonna pay! You your back workers comp the main question. It still is since the beginning there some paperwork on their side of the file correctly. federal jobs, the departmental labour took over and they haven't. Having been the easiest to work with either while our work in March was held, Rennie excuse to network with a covert stuff, so much I'm sorry. Well, I mean we get your income coming back in and here's the thing: have they given you an actual date on the foreclosure, yet. No, not yet. I had tried to apply for a mortgage assistance to lower the payment temporarily and got dragged on up until about a month ago and kindly said that they would deny my dear

and you know really might be far more months before they actually do the foreclosure in Russia. Live there. pile up cash and get it thinking car and get you again car with no payments, And which into Ramsay plus I've, been right. Where you are, it's no fun, Ramsay plus I'll teach you how to handle money, I get you into financial peace University and I'm going to pay for it for a year cuz. I remember how it feels to be scared and then be right where you are with a foreclosure breathing down your neck,

scripture of the day? Second Corinthians, one thousand three hundred and eleven. Finally, brothers rejoice for restoration, comfort, one another agree with one: another live in peace and the God of love and peace will be with you Reverse said you must read your children and you must hug your children and you must love your children, your successes of family, our successes, a society depends not what happens in the White House, but What happens inside your house what we say all the time around, how the time I'd forgotten tomorrow Bush quote, but are you going Stephanie is whether Stephanie is in Washington Yakima. I how are you good. Thank you thanks for having me on and a new listener pressure you taken my all our were honoured. How can we help?

Yes, sir? I wouldn't be coming in to him and heritage that twenty five thousand dollars and I wanted to know the best option could not not me. and to how should I investor properly my husband and I only honour harm, we don't we credit card that, though we paid off of a credit card that good and have a k, though we don't have much in This is a large sum of money for us and I want to invest in the best way possible good for you well born and what was the inheritance money and then what formation it's gonna be. A cheque book I showed you. Ok There is no taxes on inherited money is not answerable, so that's it. He broke out equation and then.

Anthony, we teach alone to present a new listener, our new arrival at Ramses Stephanie. We have a system, we call the baby stand. Yes, yes, I was but assets Stephanie said no credit card dead. What do you have any of our cities any? I only on it the only other than other than our home mortgage came in from which is but actually almost fourteen hundred dollars a month is a hospital payment. When my husband and I lost our baby and then pay no more or less than five thousand, any cargoes now My own view my has another company right so as a new listener. Stephanie right now, when I want to suggest you do, is followed the first three baby steps going.

and pay off that five thousand dollars and jump straight into babysit number three and go ahead and get a fully funding emergency fund of three to six months. I now have expansion of expenses for set aside for emergencies, so that's ok, we found is: is that being dead free, complete? youth House later on house and everything is the shortest path to well and stability along the white? Yes, so maybe step one is a thousand dollar saved, obviously were skipping through. That, too, is to be dead free, but the house, that's what Anthony just outlined Knox out the five thousand dollars. Three is a fully funded emergency fund of three to six months of expenses, what your household income! my husband makes approximately four thousand dollars a month. S arm and I'll bring in actually about twenty four hundred dollars a month.

Gosh you guys are making about eighty. Ninety thousand algiers genre, Lastly, it between sixty or seventy thousand. Ok, ok and if you were to set aside fifteen thousand dollars as an emergency fund, that problem representing three to six months of expenses and never touch it except for emergencies. for then that would yeah right so that using up twenty, if we show fifteen of the five thousand or that of the twenty five? That vision of the five thousand to do something with you might start investigating that that move pasture We should have three baby step for five six we do at the same time, for if we put fifteen percent of our income and retirement fathers. Kids college, if that's appropriate and six is begin to pay if the house- and so you would be it baby step for getting out getting here.

You two ranged start putting fifteen percent of your income away and we can use the last five thousand of this twenty five to jump start that may be with some Roth I raise and click smart Vesture Dave rooms you dot com. You find some smart, Mr Prodi, in your area too, maybe help you get that started, but it looks like you're gonna build a lot with it and you fully for the emergency fund knock out any debt that you got there get that thing out of your life has been great, cannot have that payment again, because you know you make that payment. You have to read the memory and the pain of that of that aware, and shall be great to have that on your life and death and then began your investing and timely. Before a one case started an absolute Raphael. Re started in those kinds of things and part of that getting on a budget now, jumping in Ramsay plus or something like that? Getting your budget going

with the every dollar happen. Euro dishes really gonna. Take your longest preclude ouses thinking now say, while in blink of an eye she's aryan, babe such four five, six and the blinkered by just like that, not there, and show that that's pretty cool Cassius Weathers, Cathy's, Springfield Massachusetts hike? Actually, our you. Kashmiri weather maybe not our limits even get to Armando in Miami High Armando. How are you good. Thank you very much from listen to me. I have I have a question and I beg you, listen to you. We legislate and you'd say that if you have any money, any savings account once you have an emergency fund, which I do it's better to pay off your house with that money. Apart from the emergency fund, the situation I have in the little bit peculiar or different in that way me and my wife, abortion, tired.

I shall use a hundred thirty thousand dollars a year. We have I'll get you a hundred thousand dollars on the house and also I have five hundred thousand aiming for one case. The parameters, if I take Take the money out of the hole, cave become salary and with a shovel. We are making unwilling to at least twenty percent on average. Fifty thousand dollars in this common isn't gonna cost me more money to pay off the help, and I couldn't those right now the multi came into the house and only six fifty dollars post tax and insurance. So I can, I can pay for that very easily, I'm still putting away thousand dollars a month. Savings on UK now on? How were you thinking? I'm sixty one sixty one sixty one o. If we stop saving money, you're making it Odin thirty, I quickly can you

the south off our your cash flow. MA am yes, I want to live in a canoe retired. I want only half way. You know we're gonna wanna keep away yeah you do whatever you want to do. What I'm gonna tell you. Is this the data that we have all millionaires is, and you do not want to go up India later years, still hanging onto this house payment like it's a freak and pat I won't get rid of it. You decide how you're gonna get rid of it. If I'm in your shoes, the house, payments gone absolute, I'm either get rid of it by cash flow in it over the next three years, and you don't want do that, cause you don't trimmed down your lifestyle, your enjoying your retirement. Ok, then Paul about a year. Five hundred k to knock a puppy down and I'd be done with it. I would absent- may be done with it, and then the fact that you don't have a house by british pay yourself out payment rebuilt from investments, overtime with that but in the meantime you're not pay

stinkin bank interest and I got tell you man when you had down every house permit more. The grass feels different under your feet. That's why I'm gonna tripping David! Why would you not wanting ahead ingress of the do that someone? You are older, you you don't have to worry about nothing. You can really enjoy asian joint retirement now than monitor beneath the hundred thirty that our income, that's cool, but european more than twenty percent on the taxes and as you pull it out, you're gonna have taxes on for a one guy, no penalties, but I would pull out enough to pay off the house for a one day to day free. Take the owl payment. You'll rebuild that amount lost within a short period of time, just by casting a house payment for years Off into your own situation, but Armando you do whatever you want to your last, you get your money better. I thank you for the call that a good job that I pay Dave thank

puts us our the Ramsay show in the books thanks a James Childs, our producer Kelly, Daniel our associate producer and phones greater I'm day, Ramsay, your host, we'll be back before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's the daily with the prince of these crises. This is James. Child deserve the rams issue. Did you know the Ramsay Show is one of the most popular pie, gas in a world of scribe or followed today were ever listen, money? Isn't the only then can we talk about around here? Get life. Changing advice on your career, for my good friend and career expert can comment on my can com and 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 Coleman 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 we'll help create a plan to make your dream job a reality. You matter and you have what it takes joined. The conversation on the CAN Coleman show here more from the Ramsay network, including the current common shop, where ever you listened about gas. Hey it's James, pretty

serve the Ramsay show this episode is over, but