Wars will Graham resolution broadcasting from the dollar car rental studios. It's the ram, Felicia we're dead, his dog ashes and the paid off mortgage has taken the place of the Bmw status symbol of choice, diagrams euros. Can common Ramsay personality is my Cove Ocean today, as we answer your questions about your life, your money with Canada, or especially your career. You looking for jobs, thinking about tell the boss to take this job and more can can help you little Johnny paycheck Europe as their scattered brought that in their looks like that, that's gonna zoning rate saw the classic, but young people need you to finish that line. This, like the song, is take this job and shove it and we're trying to help you do that job. Don't job of supplying the right job has paid off debt. You don't have to go backwards in your debt. Snowball here

surely pursue work. You ve always wanted to do and not stop the baby epps. You go either question lot, which isn't it a natural question I will tell you how phone number triple eight eight to five five two to five Johnny is with us and San Antonio high Johnny. How are you tat, doing great guys hurry doing better than we deserve. What's up, very thanks are taken my call so I'm in my main late sixties and I'm thinking about retiring soon, and I wanna know I've got some money. Safe and savings. and I wanted to know if it's better, to put it towards the morgue age or do some kind of investment irae or at the end. If you have an ethiopian San Antonio, you would recommend, my income. Seventy five annual My wife's social security is about eight fifty a month, We have investment, but we have a fixed annuity of around forty.

and then I already always I array of sixteen k so that a total of fifty six cold morning, two thirty eight upon a two point: seven five: thirty years thanks for years, and what good for you why as you probably have heard, if you listen for more than by three minutes, we talk about the baby steps. All the time, which is the clear path to wealth and The idea being were out of that for your out of everything, but your house right car you pay for and how to deal with them, and you have your emergency fund of three to six months of expenses and pleasure. Rainy day fond right right, yeah inciting you re now got thirty three k and I'm getting another. Five thousand dollar bonus good. We do have five k allocated for a new range that we need to replace the only major your neck skull is continue. Putting fifteen percent of your household income into retirement and temper continued

build your nest egg and let's get this house paid off, that's baby steps forward and lakes. And suddenly into that house. Let's get that thing finished off how much you show your oh two hundred Armani right thirty pounds, the philosophy that becomes a big because if, by the time you quit work, if you have a really nice nest egg and paid for how she of a very stable situation, if when you retire used to have a home mortgage, its destabilizing, it's less than stable workers, you gotta stinkin payment land, their stern, accurate, and arm It changes the last thirty years of your life to live in a paid for house dramatically well down you're. On your way. Cameron is in New York City, Hey Cameron, come to the rams. You thank you March happen. They hurried into today better than I deserve. How can we help

calling I recently I have a question that relate to college and when it is ok, sensible or to derail the plan and are for college. My husband- and I we actually didn't even discover on your system, entail during the pandemic and weak Hey down the water, Gatt bestowed, a property developer emergency fund. Wondering what we might progress in one year. While selling the selling of ample property gave us a large sum and will last tab. Terrific covered by my oldest son is a fee high school this year The last year he expressed an interest that his dream school was a prestigious private university that around here I graduated MA, fun there myself so

Candide my heart- and I was supported by him that if he did everything that necessary and got the grades and kept everything up as long as he could get scholarships and aid and the out of pocket expenses, for Lastly, twenty five thousand dollars a year that we could afford to pay cash through the schools payment plan and that he can go there on my warm, however, he had some trouble, He started high school last year and he's getting into trouble and he's making court decisions and then, when they closed the schools, he kind of continued to go down a scary path from our perspective, asked ass if he could go away to a boarding school to military school. That's all Fatima. We live allies

that was best for him. We immediately in December, agree and I him and found him, but I? paying twice five hundred thousand right for him to go to school and our budget only has, after all of e on bills, essential, like food no clothing aloud and haircuts like really the full budget only has about four thousand dollars to spare in it. What your children, I don't know, right now we're at about two forty and wrapping up my arm courtship my buckle. Courtship, though I would expect next year. It will be closer to three hundred, if not over three hundred, which will give you the money to fund the other one and that's why I, but there's not a plan, were deemed illegal. You don't exactly my boy to answer your question on a plan, we're up what you understood and lunch

to our pleasure one as we figure this out or junior picture different school, ok, and his future is not ruined. Based on that in polish licit pause is, does it mean never doesn't mean, stop it the first year somewhere else s real years. Three through four are too reform at the dream: prestige school again, if he lines up all the scholarships and his team about an pocket with no student lunch. He can also work to this. You know me: he understands. What's Goin on the family and assuming you guys, are there some harmony there and he's as healthy eighteen, seventeen year old, can be about his brother situation. He can Can I help out. You know what, process as well to hey here's. What we're! I think this is a family meeting. I think you sitting Dally so easily. He knows what's going on and just say: hey! Here's where we are. This is reality. Student, is not an option. What I can do that this. What dead not been doing you seen us get, not a debt, bring him in

bigger picture and say: hey life happen. Sometimes this is often a yard. It's not fair! That's right! sad and you didn't do anything wrong and yet its affecting you but they all. It is a fact that you, and so here's what we're gonna do pretend that you're you ve lost your job, You couldn't send him to that school you'd have the same, convert. It wouldn't be his fault

You know you were lost your job and he would have to deal with that. Kid's kids can deal with this, so allow we're gonna, send you a copy, Anthony's book debt free degree. I want you all to read that as a family- and I want you to commit to working some kind of a cash flow game plan to some school that you pay cash, for this are the ram visa. How often can you get the best of both worlds? Not very often right well with the right secured program at Churchill Mortgage, it's possible! You can stick a low right now to nail down your budget, an average drop, while your shopping for home, though, give you the lower rate. So, if you're buying a home this year you

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more money back in your pocket. this party, as you can try it for free once you become member you'll also get benefits like the federal Classic E file, Ramsay Smart Tax Free included, the audio Rachel Cruisers brand new bestseller. No yourself! Now your money free included. of course, financial patient. Firstly, of course, every dollar premium version and, of course, you're gonna. Finally get your money under control. In order to show you exactly how to do that, you can for free but conform before becoming a member. Just go to dive, Ramsay, dot com, Slash, Ramsay, plus and check out the free trial, I'm sure dotcom slice randy lush Riverside California is on the line, can is calling high can't. How are you Hi days I can and should do. sure sure? How can we help

It's gonna start off like a sad stories in the turnout with a good and denied ball of actual age become their free Her disability thing with with a pale back surgery, turn infiltrated next week but day, I've done it You coordinating multiple times on this here. To tell you as everybody knows that your principles work, the Danish does work, and if I can do anything about it, can I went from being no higher than the Haug owning a successful business to disabled. I lost a lot. Didn't lose hope. Plug it away? I kept duly appear coordinating, even after all, that and Dave Council people held three boil the principles Obviously I enjoy people whose my personal level, on too long I'm looking at you teaching program, I've always

financial coaching as a ministry that I've never charge or and turn it thirty. Three next week I'm gettin up there. I am disabled comes only just under two thousand, a monster in California which being debt grieved mortgage, and everything is a good thing. wondering was killed there. He know the truth in everyday out he's a good guy. You ever saw my situation to save up, might take these six months to a year billet to Japan. invitation to do it as a ministry. Well, ministry or would you charge for it when you say ministry? What does that mean? I've never charge have always just done. The financial coaching prefer readjust something that I've enjoyed given back doing. I really feel like with my story. It's very reliable. I am fulfilling loud and should in highly can and stay positive. You know, damn well,

when somebody s raises a good career move. I walk through the sweet spot analogy, which is very simple. Our creator gave people talent things you do well and useless to users is tools to do work that you love that fires up when you think about it, when you do it and then allows to accomplish to produce results? That mean something to you. We know that this means something to you. So the question is: if I talk to her by the nose you can when they say that you're good communicator, Don't call me all the time I learn and help the people in my family right now. That's right, you're good at instruction, which is what it takes to bigger coach communication and you gotta be communication you gotta, get it instruction. You gotta have a heart for people. You have all three this, so the answer is yes is a good I would just challenge you. I have no problem with you doing it pro bono, or, as a ministry but I just sit here. Look at your situation. I think you could because there's no financial pressure on you to make money as a financial coach. That's a good thing.

This takes time to build? This is a one to one. We build one client at a time. I just wonder why you wouldn't eventually charge because our our team can not only training be a really great coat, but how to build your business? Are you opposed to it no. No, I just never have done hundreds of appointments. You know like last year: I think you do some both of em, you, ah you think you're gonna start charging for some and then occasionally you're gonna see someone. You just need to help, and you just want to do that and you just warning of them a leg up and you want to get em started, but the the ram preferred coaches, who have gone through all of the training and then that we send leads to some of them are making pretty substantial incomes. The top ones are and so led lectures per damages. Say you made a hundred thousand hours you're doing this for fun, You could also give away a bunch of your services is well right.

sure sure yeah, there's no reason you currently without here's, what we're gonna do. I'm gonna pay for it. I want you to go through that. I scurried anything. You need to go through the trauma. Yeah seriously you ve earned. It knew you you're. The man I mean you got listen now having a testimony is a wonderful thing. Getting wants a pain in the body of the true, and you have been through ass, the train so yeah I want you to go through. The training is somehow I don't usually give away it's a pretty expensive item, but Madison pick up and we'll get him through the first series, of course, as you can talk to the coaching team in vain around one, what the proper way started on. This is a hand on just tell my said this. Is it this one's a gift on me? That's so cool, I can't believe I did an issue I just did I told him that you go make a bunch of money and gives on what you have some effect, because he's gonna be in a situation where he can. He can do financial coach for somebody who may be gone through something he went through a physical injury that rocks your worldwide and I gotta tell you man, it's dead gum,

in an medical bills? Are I wish them and our counselling offs are coaching officers every day, all Ambrosch America it's over it? real, real, going without a doubt, Jane is what those in Colorado springs. Hygiene! Welcome to the Rams Asia! Thank you. So much taken my power. you're a girl chaos? My husband, I have shepherd accounts. We just put the house in both her ion. he already had. I could lay down on the House perfect car alone. Now he wants to buy more money to buy she firearms and workers. asking in both an angel joint Canada is not survive the ship. I He signed some keepers to say I can hear you can t help getting a lean on the house.

Sure I do it to bar guns. How old are you guys Sixty eight, seventy six, and how long have you been married Fifteen years I have a huge going to the latvian I'm a gun guy. I cannot possibly imagine borrowing on my house to buy a freaking gun I am wondering guy, I'm your husband, okay, I would. Would be on his side, but I can't possibly imagine what what gun purchase, there could be the justified borrowing on your personal home to buy it. What does he buying a tank

You know, there's a single shot, high wall, my warm whatever and when he went to a gunshot than they had been a great deal, and he knows he could get a lie. The money of selling them. Yeah hidden may begin the firearms business at seven six years old by borrowing eyes No, I don't think this is a good plan and if he called me, I would tell him not to do it in so I'm gonna tell you not today allow your home to be done, because when this all goes sideways and he can't sell these guns for whatever reason as an individual or a collector. What Aris getting into here. I can't tell the flip he's gettin into but

must be in a very expensive collectible gun of some kind of sound says I can get a great deal. He thinks all I can buy this now. Homer may shot he's gonna steal it from a gunshot like they're gonna, give him a deal, so he can make a lot. I got questions the I'm thinking thing binging mean nothing. Nothing warning warning morning, cassettes what retailers are known for, Davy other known forgiving things joy at cheap, so you can make more money later it done. Shops are known for not having no idea the value of the guns and their shops. Manx Arkwright, mainly of your husband's plan, sobs, don't get into debt to do it and that's from a couple, a gun guys. Oh my gosh, while Emily, but my mother, I noticed TAT S heart and above all, this is the Rams issue.

Why sure that I got from blinds dog job? A one hundred percent satisfaction guarantee means. Even if you miss measure, you pick the wrong color, though remake you're blind for free, you get free site. free shipping him with a new promos. They run every month, we'll save even more always use the magic word. The problem code Ramsay. Today's question comes from Amy Nebraska. She writes in I have a job and are you coming up for an entry level position as an assistant manager for coffee chain? if salaries not brought up by my interviewer? When is the best time for me to ask about it? you ask about it when they offer you the job, because, presumably not always, Presumably when they

For you, the job Amy they're, going to tell you what they are offering the job add as an hourly rate and their point, then you can discuss that, but I would not ask about it early on. I always tell people Dave in the interview process. You we are convinced that hiring manager that you will help them when we ve gotta, remember that there are people too, and there for somebody, there's gonna help them win in so there will come at in this particular question, where the the hourly rate, the salary whatever that is going to come on, I'm going completely through the interview and you're walking out of your first interviewing. You still have no idea what the pay is. You don't ask Well fair question but this situation, you can you good idea what an hourly rate is gonna, be it a coffee shop, a pretty good idea, and you can find that out. pretty easily have a ball park range.

It's not going to be something like seven, eight nine hours and hours, probably to be in that low range would be ten with the minimum wage. Politicizing that's gone, or I know you're probably gonna, be in that twelve to fifteen dollars an hour. So You shouldn't walk into an interview like that go and I have no idea what I can't I can't do saw its good points bring up, but you have you have to have an eye for an eye on the type of work and do your homework prior, the job. That's what I teach you can find out what people are paying. You can sign up it's a good coffee shop to work it before you ever show up. I agree with that. Sentiment that you would not If someone, charges here in recruiting They will lead with. What do you pay the benefits just in the interview now totally good luck. we're here for what they can take, no, what they can give you in charge of an That's the other under that sentiment right, but I would be perfectly careful at the end

of the interview. Have nothing has been brought up to start with that really Sukhi interviewer does not cover some of what's going on here is to intervene early entered, but That's the case. get to the end of an interest, go higher. We appreciate our time. Our conversation, I think I can add value here if this were to work out. What is the general yeah? I was that of over that, what's the rain, I'm fine weather or something like that? Yes, just so that our kind of no, what to interpret and you can go that because you may want to rule them out. Yes, want to go through three interviews and get hired for all of what you think you're going well you're, not gonna, go through three interviews for an hourly wage like this for gradual Lando job. So I know that is good context that I agree with me

point is this: when you're going for an entry level position, you need to have already done your homework on that place. Did they treat people like they're, just robots and soulless people and their just move and burn in turn through this? Do some homework find out is a great place to work. You can do that very easily to not difficult with all the resources we have in this world, so it with that The contacts I am always wanted people to show that interview and an apple we, we blow them away so that They want you when the time comes, the code of practice for a real job. If you're not gonna, bring up salary to bring that up in the first. Now you better, not a main, I it's bad, I may I had a young gonna forget one way back wait ten people, and where this young I ran into a much beginning church, he came up. He was real enthusiastic afterwards. I was talking to him for twenty minutes and I said, he said. Are you? U hiring freely? I should go. and he came over and he sat down. It was so disappointing.

Because he was such a rock star in so many ways. But the first thing out of his mouth is: ok, what pay and what you're benefits package makes me cringe hearing on is because, because he he instantly revealed his heart is, which is I'm here to take rather than to add yes, and I come into the business I own with that attitude. Yeah I'm here, that's what now take versions. What can I get you better put some water in a bucket or they'll, be no water in the market and remember for entry level. Jobs here What gives a lot of people that a factory? So I want you to, but your best foot forward on that. I like what you said I'll be ok with, but I want you to win the position, the win, their Austin covers where they offer it, then you say you're, probably don't do that in that. Fortunately, because you're about dear point, don't under section like waiting there shuffling people through the end, so you wanna be classy. Did you follow up the mere? Well? It's all places. That's the case. If

It has a smile passed. The drug test, fog up a mirror. Yet you don't smile, you can prove that, based on the people to serve gothic shown little bad except is ring up on your end, no direct, Sierra, Orlando, Sierra area, I more but afternoon? How are you guys out of them deserve. How can we help about taxes on since the first here that I will be doing mostly contract work, I workers- appear physician assistant? And I we? bout too, I think to appease are three and I got we're different answers to finance is an obvious confused one of them recommended that I open an LLC now and then pay myself. No ok didn't like it The other one said yes openly I'll see you around

well company now, but their morning, money monthly. The third side just pay twenty five percent every three months. The ending there's your answer. That's the one you want what I would tell you to do is just open a separate checking account in your social security number. It's a d, be a doing business and you have lost business account and you put all of your income into that business account when you Nepal money out of that and take it home to buy things at home or pay bills at home or pay dead at home or whatever you told back to five percent over under separate savings account to pay your quarterly estimates annual problem. Unless you government without energy or joint cover it, It's probably between eight to ten grand a month unfortunately there is an arrow now open Roger me around the world. I want to run it through that now that you're dead, that's ok, does it'll have its own. He ion number

and you just remember that change, but its serves exactly the same purpose. You just added the paper at the expense of the allow state of the process? And now you ve also added a new tax return to the process, because you get about early LLC. So you get them our tax return. Plus they say. Five thousand one show you I want to ask that day for her actions, you just shut that down. Then why go through all those extra steps? I know she opened issue paid money problems. Somebody here tonight is not that big. It is neither an irish reddish interest. Is it's a Haswell because you have one extra tax return? but yet you know you're, gonna have a schedule c on you, personal return. If you don't do they LLC, so you got some forms to fill out anyway showed for taxes, so you know it's not the end of the world. Do that a definite would not use apparel company to pay your that's nightmarish, but I don't recommend shallow pursuers unless they have lots of money.

now I see is not there for tax purposes and therefore risk management and its. Therefore, if that, when get sued Udall? be the individual that owns. It so as an example. I actually own absolutely nothing now a thing. It's all in our seas. preparations and trusts. And all of my real estate is my cars or even in an LLC shut. The car wreck. You can chew the key He'll company that owns cars, but That's who owns them. As our guys, the liability, its risk management tools are what is it at the risk down. It is not to get taxes off area,

so I dont use allow seas for tax purposes. They dont really serve one in her situation, get educated on all those right, ass being a ten. Ninety nine are contracted envy. Surprise how much you can write on that. You read your taxi. I'll be would be grateful. Have shallow like this. Are the rams

a scripture that I Romans eight hundred and eighteen, for I consider that the sufferings of this present time are not worth comparing with the glory that is to be revealed to us. to share the struggle. You're in the day is developing the strength you need to morrow. While, the truth: Brandons Weathers SALT Lake City, high Brandon. How are you I'm doing great. How would you guys better we deserve. How can we help while it's a pleasure to me How can you gotta I'm very thankful for the opportunity as Erika tell me out. I am I I'm currently in the job application process from a senior in college and on I'm currently I saw them why to a position that I really really would like for a large, operation by the way. problem, is I'm trying to be proactive in turn the contact b?

or anyone recruiter just say hey. This is my job application trying to stand out from all these from candidates, but I can't the recruiter, because there's there's hundreds of them in his company. I do have a contact fur. Am I connected with the person and be applying for only There is great, but I I don't know if it would be wrong for me just a jump, the whole recruitment process and kind them directly but cans going to show you how to do that. You want a well. What are you? What are you worried about if you reach out to them directly, you gonna get they're gonna blackball. Is that what you're talking about I kind of like this is annoying used is not following the orange light you ve already applied correct, that's correct. I played about a week ago.

Yeah well is a major companies, so they ve got a big big system and they ve got a process. So you know one way you could go about this. That I think, would not get you in hot water. You ve got a person whose hiring Dinner information, so you're, pretty resourceful young man do I hand written note just something simple: hey just won't, let you know I've plied recently and I love the company If I ever get the arbitrary work here, here's wide wanna work here, really short sweet islamic given of on ten or end of Attica. Go And there's a fine line between showing initiative and being just weird, I wanna be right near that lie. He acknowledged some homework here. Ok with me, he had written note is not creepy, not you find their email on their wondered. How in the world you get that, but that and on the executive under this autumn we go that's funny. Yes, I like that. I love that day. That's a great success, very, very good

the handwritten notice. The way I would go, but now when I would really work on is through all of your contacts here we go here. This is the proximity principle we're looking at your web of connections. We know from sociology research that these, I'll buy one way to get jobs is through acquaintances, so get outside of your family and friends. S that close personal network picture spiderweb we're gonna go out. Ok, so now we're looking at but he went on social media, how many people think they know celestial amusing. This example say you have five hundred friends on Facebook or how many to each of those five in five hundred her and you gotta aggressive they're. Just ask for people it'll be Weir's. Anybody know any by work. Tat acts boom, I'm applying of reply to company x Y, see you know anybody that works there. Let's see what that yields, and then I will go to the personal context, but also social media same deal reach out to every you know hey just want a shot at an interview. That's not asking too much b, as not arrogant. That shows desire

you'd! Be surprised. What that will yield, which had a really work hard and then let the chips fall where they fall on the official submission, because you're gonna go through the system. I have you look at the king, Poland, resume Guide, Six templates, should to the free one at the resume guide at my website, can common dot com check that out so The resolution that way you know you stand out most give it to him. It's done yet, free Madison all that? Well, that's! What's giving the six template yeah Gimme templates, free those two region and then and he's also, if you read the stuff it downloads that are free, can common dot com, you it'll show you how to build the latter to getting caught now? Add one other thing against system which can sit flawless, but it's almost Sales technique I used to use. If you do get an actual intervene level during the interview ask when you

follow up and set an appointment for the follow up work That way, you're not pattering it that way. Just following through on what you said they should where we will know and a couple of weeks, would it be? Ok, if I contacted you on Friday, the fourteenth. And they will say yes and they You call on Friday the fourteenth ago. Yes, like Rennes, that he was gonna call. He called a good sign for him, but also then you're, try to chase somebody and found our you're not trying to You know you're not worried that your pestering them on a follow up, because the FAO is set your schedule, your follow up, and then it's not fostering its expected, then let it go on One of the worst things you can do is just keep emailing somebody look if they want. You trust me. They're gonna, get back to you

a great job do your best job in the inner. We do a follow up. We have a touch point timeline, fearing guy gets, among other places to go after while you're going off this. That's right, don't sit around way. Good idea shall hold on that medicinal pick up and shook it. You, those templates and a copy against book. The proximity principle organised two up man for get here I'll be want Ellison. I need you to call, can comment on show and let him know if you get this job using these techniques? All you want here the store. Here we get a lot of fun emails, stuff really does work and there's a thing you know if it doesn't work, let's, let's let really figure out how to open up actions, because what people know Davis is They know everybody the already need to know. I know it seems intimidates though one degree of separation. It really is, is that when I was a kid placing called the match game, you got green kids now placed over the matter. I don't play with our kids are good and it so this this idea of what will you just start turn over the tiles and we go care sullen elephant here, I'm looking for another element, that's the it's simplicity of I've gotta

diligent. I know buddy? I need to know I gotta keep talking about it. I gotta keep asking people help if we asked the railway. That's exactly right and don't folks rather ok, there's a lot of people look over jobs can can catch on this and you can get all the details you need Ramsay solutions which are three hundred and forty people this year? If we meet our hiring gulls. however, we will have twenty five thousand applications come in. View simply fill out an application, and that's all you ever do there is high probability that we well, I've missed out on hiring you strip,

much will play the lottery. What you're doing that? It's really a longshot today's world, with so many people applying for each other's thing of I filled up. A hundred thousand applications are most should our common, not one com is like well, no crap, not wonder now. Are you slip recruiter and at all this multiple filings at one time, interpreters, great we advertise for, but but you can't just and mass. You know enough. Might against the wall. Shave Sumpter stakes! You ve got to find that singular connective spot which someone that no someone that no someone inside- and you Know- Jos Friend- works over there in droves. Friends names, Sally Ann Sally is gonna, get up here at least have connectivity point when there's nothing. I got an email at the last break that a friend of mine had sent a lady who wants to work here right answer our inaction over nature, that doesn't make sure you go get hard, but she's not in the stack anymore, all know she's at the top Jesus,

the polarization, maybe the top their own power right. You know, but she's energies not look she's, not guy she's. Getting a look at the issue is going to be a real consideration. Chances go up when we get interviews that we're trying to get interview. One thing we get all the time on the on the can common shared Davis people say: ok, can I did what you said. I really truly dull have occurred. action to some in a company, and so the next best thing is with the resonate guide and Erasmus templates. It can come into account. We have flipped our resident in the yard senior to send that to that guy only here, but here's a two year ass, a Lulli you can reach out. But what we down in our rosemary in our age. Our teams work with me on this. Within a world class, charting Ramsay solutions, The top of our resume Dave says who I know. So if you don't a connection to somebody in the company must she's really solutions. Example Maybe you should get a great endorsement for somebody who is a world class funny

adviser, so Smart Vest Reproach- we may not know personally, but there in our network or if you're, going to technology, get a great reference from somebody's picks out in that field. It'll make them go home page that puts this hour of the rams you show in the books will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial base and that's the law, namely with the principle of random family member. The needs of daily knows of Ramsay advised and their life. Let them know about Ramsay call other day podcast. It's a quick of advice about life and money under ten minutes check out the Ramsay call. Today, wherever you listen to vodka, I have you: ve got questions about retirement, investing and becoming an everyday millionaire. Go bigger and broader, with my man Chris open on the course open. Shall I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building wealth, investing in how to become an everyday millionaire subscribe to the Kosovo show wherever you listen about gas hates me.

producer of the Dave. Ramsay show this so it is over but check the episode notes for links to products and services you ve heard about during this episode