From the headwaters Ramsay Solution Broadcasting, but our car rental studios. It's that day, Ramsay Show or dad is DOM casual gaming and pay. It has taken the place of the Bmw status symbol of pretty ride. Ramsay personality number one by selling author- is my co host here on the earth day: open phones, as we take your calls at AAA. Two hundred and fifty five, two hundred and twenty five s. Eight hundred and eighty eight eight hundred and eighty two five thousand five hundred and twenty two five

Christy we're in the middle of the business Boutique Academy, open enrollment closures, Thursday night at two hundred and forty four dollars for six months, and for that I get your personal coaching yeah. It's a group coaching setting and you get this community what so cause we ve got thousands of members, but because we're teaching and training to the business principles it helps area. Everyone, and that of We have a video training library with over two hundred video lessons to help them on theirs. civic needs that they come in, like manner really struggled with pricing. Ok, that's video lessons on that or how to name a business. There's lessons on that time, management, taxes, trademarks and everything in it. And so really what I love about this is this. Is this one resource that they can go to to get the help they need? get where they want to be in that I love doing live coaching sessions with them. Should every see how do I get very excited? I talk fast and always go madam, but everything a month we check in, and I walk with them and get in their business with them, and am it's been an incredible experience the last few years and the success stories coming out of it are amazed,

so you were open to Thursday night. This is a chance to get and get their spot for this next season of six months, where a walk with them in their business cushy right com or business, boutique, dot, com, the business boutique, a cat equipping women to make money doing what they love in a day. now that we ve got just a handful. There almost gone have the twenty twenty one goal: planner can't think of anything, more fun and planning Can we start now? I was showing leadership leadership of meeting this morning, unaware twenty twenty one. We could do that we can do that. We can do that like anything to reach passed this dumpster fire of a year. True, etc, and the whole planners out there, the it's out and selling out very fast. We already had a place, a real put her it's just nuts is, I think people like you and me they're, really excited about twenty twenty one, but this is brand new, complete Revised all new content- and this is to help you in every area of your life- that's most important you. So it's not just business. This is for your face

and your personal goals and growing in every area of life and by the way, it's just it's just beautiful outgoing there art, the cup or the cover was done by one of our creates right out, like sort of our desire. Solemnising Ici really- and I mean it- with a pretty or things we ve ever done by us, but I think that the examples are I'd. Open phones, interpolate, eight to five five, two to five leases and San Antonio LISA. How can we help, I think, for having me sure. What's my question, I ve got a lot of toys. Fear I am currently staying with my mother, whose eighty eight and she has the mention our taking care of her I have a home that I'm about to fail and what we want to do. What is my sister and I purchase, a new home where we can take care of her.

My income, their care of nevertheless sister or your mother, my mom, our mother, ok, and your money and who are now taking care of her mom, so why are you showing them? Well, we ve got if, with my sister opera, both happen that means mom, myself and sister. If, with each sold all of these three homes and move into a new hummed. We were selling mom home because its aging and lots of appears Foundation and the list goes on, so we thinking more. Maybe we should most in mind that is yours. It's been without now and the rent who wants to buy. what work for you and your mom deliver it too,

robots a smaller home. Where were you and your mom to living it? Would? and so what was your show? How does your mom mom is eighty, just turn. Eighty eight and one stage issue on dementia season advance they other besides, the dementia have physical health is ok, no problem there and show. Your question is about what you questions exactly what new home purchase if it works We face the boy good idea. If we took care of me a new or home, with my sister's income? In addition to my and of my income- is significantly lower lower because I'm the primary caretaker Phillip fell of my home. I can completely pay off every day that I have

and on. Move reminders of her soul. when two new harbinger should error. My first normal, my sister, I would be so my home, what befell mom home would be felt at the new homeland are purchased by your sister, who was the only one that has an income to buy right? Yes, I would We would be call ok here and, of course, her My credit score right now is great. Hers is lower, but she has and come out. Are you a man? I am fifty one five one correct when you're six one moms and heaven, and even with your sister in a partnership and a home that doesn't sound fund me

ok? Ok, I'm looking out a little bit further in the future past champagne None of us want to look at why? Why I'm going to Heaven someday right. and when there happens? The net result is that we have two sisters, that her coach honours and they may or may not want to stay in that house together, they may or may not want to keep it together. I would prefer one of you own it and the other one have a rental arrangement with a for instance. I would prefer that you just be a tenant to your sister, and then later on mom passes. You could go on of your life in your sister gonna have our life and we don't have peaceful, real estate standing between us and life. Could you having your sisters home. I don't think we ve got. Is that that we, the existing sisters home? Could you just when bad the existing Stir has a toilet. And there's not a extra roman. Now.

lieutenant was gone were to be ok, be super tight. Ok, maybe it would be a real pressured pusher yeah so well. I can't If, if you were my little sister, I'm sixteen? I would Are you to love you here hair for your mom, and I love that all of your willing to Poland together and care for each other and mom. I think that's gonna, where thin, decade from now on.

States and permanent decision to make together. So if your sister has the ability to do this, deal, read to you and your mom, you know Ma Amselle Aubrietia. She buys a better house. I would go with that, but I don't want no signing of. How would not tell you, though she could not tell you to be a partner in this deal, because I think the long term implications. This is the diagram folks. I love telling you about great brought action today. I'm talking about American made grip, six belch, listen, traditional belts, never fit right and their uncomfortable, but grip. Six belts and straps are interchangeable, which I personally love and they have a clean sleeked, look with no holes, no flap and no bulk, and they hold tight all day, in fact, they're so comfortable. You can't even remember you're wearing and talk about affordability, while grip, six belts come without lifetime guarantee and the major can replace them for free to get this month's Dave. Ramsay special visit grip. Six dot com,

My colleagues today Europa deregulation around your personality number one by selling other personal right answer. Your questions are aaa to abide by the true to the college employ sheep. I Nicole welcome that Abraham Felicia. Thank you so much taking my car troop, which are always calling. I would like to start my under less than a few years, my Sunday, my youngest, is now too I think I'd like to stay home with him, but I would like to start something by the time the earth uncritical age. And I M a few heard of them by where people open preschooler day care within than nursing, home or and assisted living facility and that is my during job to do that I go to it tiny charts like that

people and I'm the youngest either through the next year, since my grandparents, I think I don't like you know it, for preschoolers or little kid wire. Paddling can lead to a home help me yes, They say it benefits both a a lot of younger kids. Don't have grandparents who live close, and a lot of other people about had children who come to visit them. Any time. Someone from our church is an area have place, or you know, The king brought up being or has moved to assisted living. I always think my kids to go visit them and every face down the hallway like back there, the meaner just changes when you're in there and they get so happy just see all the kids and I really like lounger down the hall. yeah in southern Asia they nursing homes provides you space to

operational day care, and then everyone gets the benefit of the social innovation. Yeah I have heard of a few places doing it. I can't find any in our area, but if I do it, I, why is like you said earlier on the phone crazy, I'm just talking about this year, starting a business as I wonder, is it well, and my husband is a retired marine, biological, logical man and I just what, like you I live in unicorns and rainbows? I wanted it, it's gonna be great, and it can. You know like how will end and the word how old background work? If you have to have that for residents to be around the kid? How well you know all the? How clashed I've been there got a lot of thought, This is why why are like, friend of getting an idea Like my eye, you said my son because birthdays actually on Saturday, but gonna, be I'm late kindergartner because they were his birthday falls though I would like to be able to

I've had my first year if I can do in my in MECCA as you know, with me, and have a way to still have him have me have My time as I am doing this, though I have a few years, plan am just didn't. I didn't other steps to do it like how do I know how much money you like? You fear that when they go into that are only that is our home, which we only Forty two thousand my son and we have no other Dat businesslike insurance. How about work? The resources, I don't know just kind of a place the star so that I can. Hopefully you see this through

yeah, I love, I love in a call. I love your idea. I love your heart behind it. I love your enthusiasm. I different tell me one time in every marriage there's a while person and a how person you're the while person, I'm your logical husband is the how person has so many how questions and those questions are not bad, but I just want to encourage you. They don't have to Rainbow Urim rain on our heading totally, I'm not trying to be helpful, total advocating this motion, but totally felt like it totally and I've been there, my husband, like I'm, helping I'm like you're, hurting its. I totally here yet their great things to think about the thing that thing you to do. That is feel really simple but is actually to be really and cycle. Is I just

won't you start digging on how people do this, because you can do that? I want you to call anyone anywhere. That's doing it and just say: hey can. I cannot deny but Decision Amazon gift cards and you start to give our kind of spend thirty minutes an hour with you cannot if they have any hyper zoom, functionality you know or any type of you know. A lot of day cares will have, like you know, cameras in the classroom. Anything where you could watch learn observe. I don't know You eat, there's anything you could offer in terms of just shadowing interviewing you're. Just gonna. Do some digging, how do they it all your questions, you're gonna them here. Some great questions to get you started from all the ones you just listed for me, you can ask about all those things. Maybe you know Laws and stuff may be different in your state, but but you can do a lot of of digging and find information. I would also ask the people that started the stake here. surprised you. What are some challenges? You don't expect in a first year what What are some things that are just like a row, blocks, you didn't see coming something that caught off guard

what are some things that make it work particularly well, second, make sure to integrate these into this. I would start there, The first step is all the digging in research from people that are doing this step, would be to make us scope out in your area. What are the assisted, live facilities, senior centres. That type of thing that you would want to be at I guess you would do. You're gonna have an opinion about which ones your ad and where it created in what facilities like and that type of thing be we'd work with swords, gotta scoping that out not with any particular agenda, just starting to con alike again get your bearings just learn about what out there and what you want to do, what things that I will go ahead and caution you in this year that we're all experiencing is the answer.

That you get this year. The information you get this year will not necessarily be indicative. How will always be because there are so many more regulations right now? I know my academy members around will improve borders, London up, regular while and then than theirs that around the they get the area the right. As I can see many years there were some place like here. they're gonna, be like you gonna bring had been aware. I now I know what it's into now right. Now, it's in the height of it right now, there's a lot of fear around the elderly senior citizens around the high risk population? So, yes, that is that is unlocked downright nail in a way that very unusual, I will say your time line, I think it's great right now, you're doing research just keep in mind that if you get some information like oh my gosh, this has never happened. That doesn't mean whatever happens right now. That's where the programme of their coming from. So I would just say your first starting point would be. doing some research asking people are willing to help. So many people are willing to help and tell you

I've learned and and gave you vice from that specific industry of how they got sort got started. After all, the staff is very like the actual set up. He would you can figure that out by the time, you're ready to actually do it right now. I think you need to learn that would be. That would be my first And what's going personnel reigned work? If anyone knows how question pleasure every is going to ask a question, he has to go find the answer. I look like. I want what what about insurance, our noble, don't you go find taken that went home day from matter? I met right. You got some research to do you know if you have a problem with it, you need to go, find out about it because you didn't, we might you can we make and ultimately we figure out, I'm not so Bennett legally from an insurance standpoint, an option and point and so forth, I'm with Christie, I think you might be very difficult in this calendar year to actually find What you're talking about being operational if it as operational suspect. It's not now

I might have shut down, I'm: U Narcos covert, just the whole, Nursing home thing was just a real issue, yes, I, the is a major hotspot. And so in every state answer even going to visit a nursing home and talking to the administrator just begin to brainstorm ideas is gonna, be difficult to get on property right now closed areas right showed. give yourself a little time here, but let's, let's Cobb, DOW back covered for manage here. I say: ok, you're starting to return in the spring for I don't know whatever happens, then you start you're impartiality, how there's probably what ten nursing homes. Only way more than that, and how many are very, like many other Emily Arthur I'd I don't even know how do you and others way more? They lot because I've been to family is that many will you only talk to me like men are: oh, you went to revisit ten different nursing home. Ok,

I will start with that should make a list of every nourishing home. forty mile radius of Meda. Ok I'll go in there. our Jamaica and then, when things clear up a little bit, you could go interview them and say I'm looking I'm try that aside, where to place the service I wanna, see if your eligible

Carrying them out what they can do to help you get this wonderful idea on their site, they might put all the stuff and lies because they probably have like money stuff. This is the diagrams Asia.

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by a majority of about another day. Ramsay showed pretty right round. You personally is Michael Ocean. The shower open, vulgar AAA paid to five five treaty by actually this day, Alisha is in Oakland California Alisha. How can we help things will happily sure I was calling her Some advice from you. I have an idea of what I should do. It is always good to call uncle they go so my husband and your mom purchased,

apartment condo in into thousand lake. They paid off December twenty, So they were a head on a thirty year more than long down to a ten year, essentially on. Essentially, the dilemma is whether or not to sell it or leave it when the time comes for us too, and how you're living worry but he only there we're living in TAT. Green there's no mortgage bought. My husband made an agreement with his mom at the very beginning to pay her back as soon as the mortgage was paid off he pays about lying around to buy her out. My correct how much does our to buy her out? I'm assuming She is, she found she put in extra money after her. your vision

of money down in the beginning she put down ninety he put down ten. She says she's put forward extra. I'm assuming you're around a hundred total, though yeah and what's Chicago Earth. Ray model will be worth about five hundred whose remodeling it. we'll remodel it by the end of next year. So, if you told him, five hundred thousand dollar calm down your Mama hundred to buy on her part, you would put four hundred in your pocket right eventually at any moment work. By the end of December, here, we would have paid her twenty. Four thousand. All only five thousand left or right. Now I have in mind, the very beginning of helping him close up Fine was too at some point: leave it out

I knew that money as essential you Marion come for both of them, but it's not that practical, I thought is out husband and me will sell it. And then we'll use that money to put down, while over twenty percent, far knew how in the main, the candles in your husband's name, yeah in both of my of their names, were social cohesion ok, sure you're going to buy her out by paying it off and by selling it right right, gonna give her the hundred girl, suddenly seventy five remaining or she's, going to write you a check for the difference in five hundred and seventy five, which would be four hundred a quarter right. she didn't see it like that their rights have I'm here what I think she will To force them to stay in a deal that right and you are now well

even if that did happen, how to coordinate its DOM liability. I know Andy trying to understand how to approach her. You know you're. The winding up daughter yeah, but you still have your spells the daughter in law. You don't get to approach eating. Your husband grows back bonuses, mom, I'm staying in a real property with you I'm telling you can take this morning by another rental property. If you want which is seventy five thousand dollars or whatever you want do, but I'm not gonna stay in a rental property, no way wherever the idea of a rental properly. But it is not practical, but you don't have to do with her. I mean nothing gets Herbert, like you know, yeah. I agree already grown thing owing

for money. I hate the whole thing. It's is started with good intentions, its quickly getting twisted yeah. So, but let me tell you from just life experience: you keep your mouth shut. Your husband has his mommy don't deal with his mommy He has now there's money. This is the kind of wrap that will visit you two decades later if you open your mouth upward my hand if this is your fault in her mind, this is a problem. He needs to square his shoulders. Be a big boy The old mommy. Can behind and swayed on being sarcastic, but he should be nice, honor. Her mamma appreciate this, but you know me a little. goodbye house re use is tat. We re use a huge stinkin equity and thank you, forget me

this deal, because it really did work out. I love you and why, a salad and I'm out I'm a write. You a check for that of the seventy five. If I haven't not even before then manufacture, a buyer out as soon as possible that in the discussion My question is: are you and your husband on the same page? I want to just assume that our union is I'm pay for this the only thing that will make it easier than if you, if he and her one of this deal and you and him and on the same page, that would be different. So that's great than yeah, just like Dave said This is his conversations have yeah, but here's problem day. He wants every little boy wants mommy to be happy a momentary. Mommy may not be happy when this is done then, and they history, rocky relationship, that's definitely ah sensitive subjects, which is why we don't do this deal shore with, but now here we are So this is this, is, is your husband? You know it.

he willing to lean into conflict, have confrontation wars that something the he's just would, rather just their personalities, doctors, types, real like to avoid conflict to leeward is her husband. I can no longer take by difficult your boards of this field, but I say you half and humans wiped her before about. A broken any trying to control here. Why job? And what not it's interesting? I I definitely think no matter what her than him in her until their absolute right. But she is she as you know, is how good intentions are good. Intelligent, charged control rob him along. Why she's an alarming it'll be interesting, the army's love to tell their little boys what to do and it doesn't matter how will they get.

as usual. However, thou make their my wife can have a discussion that is perfectly normal with my daughters and yet she to tell my son what to do and how This looks at her mom. I love you know Because he's like a man and everything, and so were you- He'S- got good boundaries, no, and the hairs who thanked her ears, what everything out coach him to do because of all the They data we have from talking to you last few manages I've been restored, african bombastic, which is my style? Ok, but what? I in his shoes. I would approach this very humbly. Very low tone, an octave drop, your art drop, your voice

If you can just be very kind unbelievably strong and gentle and grateful lots of gratitude and honour, is do her. She made him four hundred thousand dollars. That's gonna help your future. And I would bow to that- I would say thank you mom you have done so many good and wonderful things and the intent getting into this, has resulted in this wonderful blessing to us. Thank you so much for that. I thank you for thinking of me. All those years ago? We did the steel and others Won't tell you no matter where the young Stand or whether you don't worry, we're gonna, sell it I just want you to know how grateful I am thankful and it's not. He's asking her opinion. He's not asking is not taken a pole. He just got tell her what he's doing, but with a smile,

Thomas strength make MRS not weakness its power under control, and you're in those drivers, since this is the diagram

our scripture, that I flipping three twelve, not that I have already obtained this, or am I already perfect, but I pressure to make it my own, because Christ Jesus has made me his parents. throw said what you get by achieving our goals is not as important as what you become by achieving your gulls. If you haven't heard through the biggest things that folks are saying they need right now are met community help with their money. Discovered thing is matched up both for a lot of people. What if you could get both of these things in one place,

imagine being coached, encourage the Romani plan that you know will actually work its call Ramsay Plush it's one: membership, the God, you through our three big hitters, Financial patient, firstly, the class is taught millions and millions of families not only how to get out of that, but become unbelievable generously and wealthy. the premium version of every dollar our budgeting app, which then connect you to your back your spouse? Everything else are based on. The same page is running the world's best budgeting. App tens of millions of people have downloaded every dollar and you get our new baby. abstracting up and you get a ton of different courses, tools and access to financial, gouges, all kinds of stuff from Rachel from Chris Hogan from Anthony O Neill from me. God you do now have to figure out your money problems alone start your free trial, free trial of Ramsay Blush today, they Ramsay dot com, leisure for you just gotta. They ran

dot com, slice of pay you and start a free trial of rams. blush. Show Christie right. Has the Chris your Ipod cash rigorously? Yes, the Custrut show, as you know me at the break that this mother in law. Issue comes up a lot with the Ladys when you're coaching them doing different things, for you decide to do an episode on tell me, but I did so it's coming out in the next few weeks, but one of the things that I hear from people all the time- and we actually here this on a show with you- people write your in Ireland. I can several calls just like that less and here's how they phrase at every single time. How do deal with my endless here Wade camp here for a second and acknowledge what you're saying when you say that way like I don't I don't talk about people, I d love to hang out with like how to deal with them. It's obviously a strained relationship. If your phrase in question that way it's I thought. What is what is going on there below the surface between this? In its almost always, not always, but almost always

The mother in law, the daughter in law dynamic than you have talked about. There's you talk about sharing with your kids in your Ino brother our friends in law the things that I've learned in my relationship with my mother LAW Pam, who is wonderful, is this really great? Ships don't happen by accident. You dont, want care who you are, they don't happen just accidently. There are accidently awesome, especially when you got a dynamic of two families merging imperfectly, one. Those by nature strewn right because you ve got the older generation that has expectations and values of here's, how parenting is and here's how traditions are in here till Christmas, and then you, this younger generation trend, starting a family and be a family with a family. There's gonna be conflict, and so actually having a conversation with John Bologna on this and just talk about relationships and boundaries, and one of the things that I did in preparing for this episode is. I just call my mother payments. It has it. I want to learn from you and your perspective with your generation of what it would anyone. What are your friends talk about? Is the number one thing that they're talking about this? This difficulty to know one thing:

and for my generation of difficulty, and so we just crafted this less than this episode together around how to deal with your in laws and deals in quotation marks of just implying, like you, shouldn't, have to But then, if you ve got to help me wonder, loving people. There's no reason that the relationship can be wonderful, but it is gonna taken ten tenacity in our works. We can walk through five rules and I'll give you a teacher for one of the number one room they starting with is vast in their relationship like you want to be good, some people, our transactional with their relationships in laws just only communicating on drop off some pickup. If treated as transactional. It's going to be transactional, someone that you love that you want to be friends with you ask ideal in how is your week what he work. Nobody said about. You invest in their relationship like you actually want to have a good one, and that's true for both sides at some other law and the daughter in law you're both responsible to do this, so I walk five rules to help them have the best relationship possible, but it's a common pain point, but it doesn't have to be

terrible and hard. You just have to work on it like any good thing in life, while investor like you mean it, I love it, but I can actually want to have a good relationship. Imagine that what are you really? I guess immediate family, like that is the easiest thing to become transactional with everywhere else. You kind to have this instinct tool idea that if I'm gonna have a high quality relationship with a team member work, I would have a high quality relationship with somebody church or whatever. I have got a cat, that's not going to just having a transaction right and with your own family, your side of the family. You got this history, you know you guys have your entire life majority, my right of thousands or in the by right, and so your merging these two families- you don't have the history all said. We're supposed to be family worst, was to figure out how to do life, transitions grandkids, all this stuff, and it very quickly becomes, especially because I think with the women in this is me. Just units cannot hypothesize in here. I think with the women your

always the one in charge of plants whose John when we are whose you know where we meeting as a family, Sunday night dinner whatever, and so there communicating, but that can lead. it become their becoming very transactional and feelings or people stepping on Towser values or whatever something, if you just give some give people some some basic, I'd lines of hey here's, how to make this relationship awesome and if they do it, the relationship really can improve in those of the type things all of talking about on the Christian right, Georgia's real life, things to help you have relationships and better life and answer the question that we defer? The ever forget however, as in LOS Angeles, shot Jennifer. Welcome that I Ramsay show. How can we help diversify like the fact that the government a few days ago, I listened Here you see videos and I just purchase your book. Thou minded way. There call link you welcome, I they. Mining is Jennifer. I am thirty years old. I have forty thousand dollars that savings. I do have a few thousand. Sixteen forty other.

Completely paid off, and I have Ro Bell at all or should I come and die with my dad in my little brother, I will add the house As I would like to purchase my palms, I'm up what they were gone and I am thinking about purchasing without birth, one of them no harm the left backing about Malhomme. Until I can make you laugh. help pay for my dream home mortgage. growing on? How long have you been shown rules that I've been in it for two years? than I burned the number one agent for my company wow? What last year was number one in my company in this year, I'm in the running out for a number one is while a much shocked at all awesome. Well done. Bewilder, ok issue we teach in your new to all of us, you probably have already discovered it sounds like is we want. We would tell you to be dead free and I haven't emergence

fond of three to six months in expenses, lusher bound payment before you and I think you're there are very close to their right now, with what you gave me, I didn't hear any debt and heard forty thousand dollars in the bank And I so some of that forty we would earmark, as your emergency fund, somewhat earmark as your down payment on your home. Once you get that home there's a couple of different ways. You can do this lots of realistic people go deeply in that, and most of them go broke, buying lots of rennell properties the number of people they put almost nothing or nothing down there. Ten years later have not far bankruptcy is virtually zero show this. There that you can pull up a bunch of personal property with no money and lots of debt and be successful not true, I love real estate. I got morosely lashes and nineteen. Seventy eight! That's how old I am.

and so of Admiral state licence forever. I own hundreds of millions of dollars a real estate. I love it. I want you to be real estate investor, but I want you to go. Slow, rout, the safer out and then get your home, get your homepage off and then pay cash for your first investment property and the next investment property and the next investment property. And yes that can even be done and allay, especially if you're the number one age in your office, but I also have a lot more California, There were a much smaller towns and I'm a year you're saying what I should do is arches my first home and get loan and then one can get the first from paid off after you purchase It offers you can live there, save up and pay cash than actual save up and pay cash. The next one favor the next one pretty soon the start, buying you another one every so often, and that's where yogi. Firstly, thanks

not that, I think how midsummer great puts us our that I ran to show in the books. We will be back with you before you not in the meantime remember. There is ultimately only one way to financial peace and thus to walk daily with the prince of Russia's. This is James Childs producer of the day. Ramses show you can listen to Dave Rachel Crews, Chris Hogan or the rest of the Rams network anywhere with Ramsay Network on your smartphone catch. All of our full shows brows by topic or send clips dear friends, had to the app store and download the Rams network gap today,

looking for fun and practical ways to save money in your everyday life. You need to check out the Rachel crew, show a podcast from money, expert, Maidan, Rachel crews, guises rights of creators, and I'm so excited to tell you about an ipod. Has a lot of you, darling, paychecks paycheck their end ass. You don't even know where to begin that they have this. Need this money to get in control of their money and his match. You, you have come to the right starts. So each emphasised during at a time of inspiration and practical advice, not subscribe to the rates of crucial podcast makes region. Today there are more from the Ramsay network, including the Rachel crucial. Wherever you listened upon, gush, hey, it's James producer of the Dave. Ramsay show this.