From the headwaters of Ramsay Solution broadcasting from the dollar car rental studios. It's that day, Ramsay show we're dead, is dumb geishas gang and pay off a mortgage has taken the place of the Bmw as the status symbol. George, I'm diagrams your hosts. Thank you for joining us Rachel crews, Ramsay Personality number one by selling offer my daughter is my co host today, open phones, a triple. I ate, two five, five, two to five: that's AAA eight to five, five to ten five jerry's go,

started off this our journeys in Columbus, Ohio. I jerry our area Ok, how you better than deserve? What's up, just cause my wife and I only kind of teachers in Ohio in the way the entrance, cleanest and up this passes, the other one still get the same income to lead a life insurance chop guy. The next question is what if one was gonna get paltry. Well, I guess you arrive life insurance But when you get it will get abolishing it's been diagnosed with Alzheimer's and we went through gender and they couldn't find also- and I got my younger Michael market on that- that's right, I'm sorry ok. So, she's got early onset them Yes in the figures, we didn't go through your book, but we are on that. Seven we have noted at all the working class. everything's, paid off and her income

to you as long as you're alive wants she passes through the school system right poor relation either. Why ok? and how are you deaf she's just turn solely on sixty four o clock. And what other money you have other than paid for house and these two pensions. each of our own lives. gonna, foolishly, be how we ve got, a major doubts about three hundred. Fifty thousand. Ok, I think you're all right to call yourself shelf insured. If you want to hear them Thought you ok, number one and the income, the pension probably does you're, probably right, but what the other the paid for house in the rain or fifty thousand definitely there before You ve got some flexibility, so the question we ask ourselves is at sixty four all she seventy and got early onset? All farmers are or Alzheimer's diagnosis.

If something happened to you, we ve got It concerned that she's cared for right. We ve already laid down a range of the wealth of the actual text Nickel care is one thing but paying for it with your boat. of your pensions and the three on fifty, I think, she's She'd be ok, right, yeah, sure, abolition of insured you refer, the question something to her, are you ok? Well, even more so you're, ok, right right, so yeah yours, insured I'm good with that? The part, of life insurance and make sure the one left behind got food right. yeah I want. Those regarded like, I said, were actually still saving giving way to go was down dusty and you did all this I'll. Take your salary Ah, yes, congratulations. You salaries! Well done! beautiful rights, while some of them very cool. the position you want to be a well done. In Philadelphia, high Amy. Welcome that I Ramsay show great thing.

Much for having made good to talk to you guys you to watch up, I saw I should say you are calling for my mom. Actually she was my grandmother's caretaker for a year had to quit her job I'd take care of her great job but unforced save anything. She now, if I helped my grandmother passed away a few months ago and shape, If, though, just now inherit, eighty thousand dollars those great laughing and she asked has been an eye, You know to help her with us, so I already had earned everyday by budget chosen, a small apartment And in our just, her live on that, but we want. We told her visitor egg and she really just doesn't want to mess it up this time she said so. She wants I leave you a guideline and dumb. We want help through that, so, basically or I'll call you to see what would be the steps

You don't want, we walk refuted. How do we help her with investing? What would be the right way? Not sure? At this point yeah me. Oh, my my first piece of advice would be too, down with one of our smart vesture prose cause they're gonna be able to lay out things like what a mutual funds as putting it in some kind of account like that. That grows and that she is able to say? Ok, how much is my lifestyle? How much I need per year? How turn D. I need they're gonna be able to really sit down and mathematically walk you services, that's the answer. She's gonna need. How much does she need to live on? per year, what kind of money do? What can it grow to? How much does she live off? Shore you. Ve got her shut up now, living on our social security right away. In our heads we just got, you don't touch it any longer. Just enough, and that's the decided just let it go alone- I mean grow up to ten thousand dollars a year, ok from that, if its invested in good mutual funds, I'm probably

I'm going to invest the whole lady, I'm probably gonna set. Maybe ten aside as our emergency fund. Ok, in a separate bank. Account is not connected. Debate to Yemen is not connected, your checking account or a debit card. Okay, so requires effort to get to it, ok right in a number of doing exactly what Rachel sad and sit down the smart vesture Pro, because don't want to invest the money and she starts watching. The news in the stock market goes down and she calling you in a panic instead you know she needs to understood what she's doing enough. She doesn't have to become a professional investor, but she needs stand, and what Rachel's explaining is exactly that they'll sit down whether or not only help with a budget, and you know were not touch this money, we're gonna, leave it alone, marginally, on live on your security and ok, Let us money role in each month and each year as a group. And on, but you don't wanna, you don't want her to losing sleep over this because I'm

we feel a lot harder, jumping wrong in the way to solve. That is to teacher and teach you The view- and I have a person, your corner- that you try Add that has the heart of a teacher, so click smart, restaurant, I ran, got com and sit down with them and they can help you do every bit of that very good question: very good job Well, if you're looking for some great Christmas deals, there are still some out there. Our team is using every reason we can to give stuff away. We now running assail the green Monday sale all week this week at almost ninety percent off for the first time ever. We they mark Rachel's contentment journal down to just ten dollars, plus the winds pray order that you know yourself. No, your money book. The brand new book by Rachel crews is closing. Do pray order. You get a hundred and fifty dollars worth of free, add ons, but you gotta do that. four January for war and Billy not that just around the corner, it you, but Epps January? The fifth, so no more excuses

new year, is the time to understand yourself and learn how to make healthy money choices and a crucial, happy unlock the psychology, the strength to challenges that come with each of the brand new seven money tendencies found in her book check at all online at Dave, Ramsay, DOT, com, the same on all the stuff ends this coming Sunday, and you don't want to miss out on this- pretty good stuff fun lots. Funds have happened, Yeah gloves and out twenty twenty lot of people are gonna, be help. Witherspoon had slipped my prayer

a lot of people are tens of thousands of already bought it and when they get in short reading it they're going to spread the word its eyes very helpful set of material. This is that I Ramsay show

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a day merger Bumstead, mock up shop are coming up So I'm twenty four years old I got about eighteen thousand dollars. Shaved Rocky is pure come on from what I was doing. The motor show the question is should I rode at all the talk about are a right now, considering the fact that I'm coming in school and I'm not working at the moment, you ve left the military. Yes, yes, I would it's rafter Roth, so there's no taxes involved and are you don't you don't you're gonna, activate anything and you got Eight thousand mutual funds to choose from where the taxpayers about six options. And now she option being the most vile it of all of them. But you can do a lot better than the text be options in the open market, with mutual funds to pick for your new Wroth and so the edge.

simple get with a small vesture Prodi, Ramsay dot com and roll it to a Roth Irae. We put it across four types: growth, growth in income, aggressive growth- and international. We always tell you to take your for a one carry retirement plan, whatever it is with you, when you leave with a direct for a roll over two and I re at the other you're on your own in because you got more selection and more control its position. and our shame vote here. Thank you for your service by the way have been found. Eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five Jessica is in Canada, hi Jessica. How are you Rachel. Thank you for taking my call

I am currently on baby step number two, I'm sixty thousand dollars you get. I recently started listening to. You shall gain international going Attic Othello Times when I think of twelve thousand dollars so far and thinks so. I grew up with a very unstable home when it comes to money on my mother's, a very big splendour and she never ever had enough money for the month. While I don't blame you enough, but myself from my by financial decision she, the ones who should move Stranger is guided me in the direction to make poor financial decisions, and, oh my god, I have his credit cards Ngos so now, then, being very fruitful. In some completely crazy. pushing me to filed for bankruptcy and every time I see her, it's a constant battle because we wanted for peaches, and I can't seem to make her understand that what she's teaching is long and what she's doing its work.

but you know you're caught on how to approach such situation. Are you just on twenty tat, while the hard pardon but the relational aspect of money, is that some people, just don't understand and the hard thing is you can't control them to force them to see that they are wrong? So I would say, on her end and unless she's asking and wanting to learn. I wouldn't push you know you're, your stuff on her because she's she's not asking and you talking about it. Unless it's celebratory, I came homage paid. This often I'm excited and you have had a conversation knowing that it's probably not gonna Spock and have the best response. I would I just leave finances discussion of she keeps bring it up, then their needs a boundary put in place goods, worth the strain on your relationship, you're, doing something there

is wise. With your money and you're going on this journey, she doesn't agree, and so being able to put up a boundary and say hey mom, since bring it up. This is doing I'm twenty eight years old This is why I'm doing less, because I want stability. I want peace. I want in the bank and can give very reasons wines. And if you do understand, that's ok, but I need your respect enough for me, not negatively she talking they didn't mean just having that cumbersome procedure, the router boundary this, as we cannot talk about the subject because with if we are going to about the subjects we we are not going to do well, rather how I'd rather do well I'd rather have the relationship. For instance, I have a relative that votes wrong. You spoke for the wrong people every time they they have an unnatural for it and blindly vote for one party, regardless

and so, which I have no use for voting wrong or voting for their own party, regardless our voting for a party regardless, no matter what now over party now that's ridiculous answer- but I love him What I have figured out is they're, not gonna change answer constantly parading them about. It is not gonna help and talk. To them about he's, not gonna. How, because it makes me my show the best thing Who is just not talk about power? what that relative cost. just wrong. It's kind of what you have done. Your mom is just like Mama. Can't talk about money. Will you because you're not even agree on this and we're just events are mostly talk about us. We love each other and it should so how's, the weather. About them, titans up mainly on the. about an hour. You can't funds, I e mails and you put that boundary and place like Rachel saying but its very difficult today,

and you know, probably the most difficult boundary is mother two grown daughter, That is one of the more difficult relationship by Irish, because both a relationship animals they feel entitled, they feel like it, right to speak in. Each other's lives? And so they don't you're, not from employers. Don't do well whether it's ok to set from boundaries and play and ask I would say for you- and I heard a little bit of your town and and the way you even framed the question that there's a loop. It hurts and resentment towards your mom. You sedge. The way I handle money today is because of what I learned from her and I'm just when a terrible swat because of it and so there is this this interesting dynamic. Now that you are a groan, adults and your king through a wow, my mom, you did things. In my childhood that I don't agree with, and now, because that's how I was raised, I almost just didn't, even

to do any better. That's all you got to this place and nutrition. Everything because there's rule gonna rule is what your thirty you can't blame nor parenting. How can you say that Doggery? I thought I blame, but there is real herds and things are going on. I know, but you can't blame them You can, and you can be heard advocated here my cloak allow this club talking about your parents you're not here to bash them, and I heard right, like opposite neighbor, Agora, Bassam, we're! Not here too, Send them we're here to tell the truth so tat just got like tell the truth of of why You experience and then learn from that grow, and so I think, both at the other end extreme are unhealthy. Causes Iraq getting to the root emotion of your mom said: there's a relational aspect. There too, just I would really dig into, and if there is a level of her and resentment, you may talk to them By that I mean, there's all of as very healthier

Suppose you, I say that what you're thirty can't blame her parent? Well, you can't I'm not care. If not, I mean you're, not blaming them blaming weren't agreement, you just don't want to statement but awareness, but which are both thirty. Apart from your parents, can serve home. You can't blame on, but I must speak out of. Experience is never die. Anything new radio show solemnly one hooligans, organisations and customs of the Ramsay. So those are there. There's a difference and blame them I can try demonic on how you can you can be heard yes and admit that there's a wound there. Yet but you can no longer let that be. the reason that you're not winning, guess a hundred per cent. That's what I mean you can't buy. One hundred percent blame is someone else's fault. I'm not winning. Yes,

as you know, is not, nor is not your parents fault you're, not winning once you're thirty, it's your fault, like it sang thirty Well just made it up our science Fact is just a David correct. If she's got twenty, eight she's got two years to go. She still owe me. I just got plenty of time. Just going you don't make. It read open phones, a triple eight, eight to five five, two to five. You jump in we'll talk about your life and your money. That's a lot of rights, but though, in the new book with the money, the bathrooms, so she grew up in an stable money classroom where the emotional The motion communication was very stressed, and mobile communications, primary open, knowing how her Mamma Zaza she fell, a lot of that conflict and tension growing up and unstable monoculture, but if it does affect you, all the classrooms affecting those leave hurt leaves a wound

You learn to overcome absolutely not not to blame for your dysfunction. Then that's one yourself! Now your money can be great. Yet that's right! This is that I rams Asia, where we all have enough on our plates right. The last thing we need is to not get a good night's sleep. Think about effective, you're gonna, be during the day. If you can't even think clearly, because you didn't actually arrest that's one of the reasons I've been recommending, tuft and needle my family has their mattresses and they start as low as three hundred fifty dollars blush, and try it out. One hundred might risk free go to tee and odd Gamba figures out they ship

to your door for free that, tea in dot com Rachel Cruze Ramsey Personality is my co host today, as we answer your questions about life and money, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five Zach is in Nashville, I know how you doing better deserve. What's up you're taking my go. Look at my college is me and my wife we're both in early thirties hum. Aren't we for six, thirty, two, pretty well that free. My is are weighty thousand hours or my house right,

the position that I offer. I have been invested in any way and I'm still learning that process, but I Do I I the house off now or do I might be start right now that rail I don't know what the best answer is much a story, and, like you said, Zactly pay off the house, so does that mean you have I'm guessing alot of savings, yeah you got about a hundred thousand dollars. My wife, both in August that leave us about twenty had been pretty focused on pay and herself. If I keep track right now, panic The principal probably put me out about five years ago: yeah, make it here. About sixty to scrape

What I would do Zack is concerned. I have no other consumer that you have a good amount of savings. I would work to still fund some money into retirements, I'm in the earlier. You can start this, the better off here even three to four years the fact that? U S and start in your early thirties, as can be huge inside funds about fifteen percent of their income and to retirements, so opening up are often irae. If your work has a foreign k, do that you guys have kids Two girls once said Anne and want a year and a half ok give any college savings for them. At this point, Now do not very near to the baby steps and my guess what I was trying to figure out what this would be now you're doing going into position. Yes, absolutely we all got european tacit position on paper for sure so get out from fifteen percent of your income to retirement then I'll go. Open up some college funds for your girls, so either an essay or a five point plan, put some money there

and then anything excellent. You haven't you wanna throughout the house. I would do that. I would make sure you still have an emergency funds on the side of it six, my expenses but anything beyond. That's I yeah. I would like to start with the house down, but I hear you wrote the view of a hundred thousand dollars and savings and eighty and paste the house off. Yes, I know that money just sitting there on just asking. If I have understood you right and I wasn't been sarcastically, so if I understood you right, then Rachel's advice is perfect. but I would write a Czech today and pay off your house and then, when you do likewise, the identity of the other two thousand, the other twenty thousand moves over into your emergency fund. Out of your income without hush payment boom riot. Now in your monthly budgets, you shut up a draw going into your for a one k or Europe. Irish like Rachel talking about are your company plant or whatever or sit down the proud when you may want to down them anyway, and they have,

you just start a hundred bucks a month per kid. I would go a long way towards a college. Young, as your kids are and so yardstick I get at least a hundred bucks a month ago in poor kid and in Asia, fifteen percent of your income going to your and without a house payment or any other payments in the world. You're gonna play wriggle room this budget to do that, yeah, no less, my question is: does it frees we're alive once you pay that once a pilot house off- and you did know if that was the best move gloomiest, I'm Indonesia? Thirty years and I've been telling people for thirty years, powerful house every chance I got. I've never had any body call me up and was pissed because they paid off their house I like David, don't worry you ruined my life knave. I've never heard that not one time people get pissed at me about a lot of stuff. I get a lot I hate, but it's Ben about paying off

I don't have a program like most people, mad about a lot of things, but that one, not people who get mad about that was held on. I'm gonna, give you a copy of the total money make over, which has the be steps outlined in it on steroids, every detail, every nuance, every question answered about the baby steps shows you exactly what to do when to do it, how to do it and it will verify the conversation that you had with Rachel and I and put in a great position, her brother and one of them thing: thirty, four jewish. Why go man paid for house tomorrow, dang, if you wanted just lie very wire, I mean that people do that all man. none ended better and to the point, though Zack of not having husbandry of no other debts when your income comes into your completely that for it, you have no other payments that fifteen percent is. Easily put away, and then you guys got because I could, I would think, live with a hundred grand of cash, overhear feels good, but there is a level of security there and when that trips

the twenty there's gonna be like out, but building that back without a mortgage payment is gonna happen. So quick while twenty thousand plenty of an emergency violence, should they not or income. No, oh, it is, but I'm just just the thought of oh yeah. We could go by. We get things with that money, that's term savings. Is gonna happen so quickly without that mortgage payment, so that, obviously of it, but listen social. Thirty, two to sixty two forty to sixty seven thirty five years. He just invasive. He never gets arrays. If you go forty It's your job and you never get a razor loser. Ok but if he never gets a. We only inverse fifteen percent, not more just fifteen percent. It's gonna be in good mutual funds. In a rough irish he's gonna happen, five and seven million dollars making fifty grand because Did this so early? That's that songs, fire man, that's cool. She that's what

that's why we tell you to pay off the house, because it makes rich and beer This should be out generous, you know it you can do is five to seven million dollars. Anything you want, I mean and one from half wrong. If you still ok still, ok, that's unbelievable, so this should want. Nobody gets mad at me for tat you to pay off the shaggy man about everything else, but I don't get mad about that a triple eight eight to five five two to five James is in Philadelphia, high James. How are you I knew that you don't, let's get going up, I myself quite quashing so my wife A hundred and thirty nine thousand dollars of student, learn that we reach. Your purchase a home about two months ago, really the only get that we have is the house. And her students to have no card payments

credit card that nothing like that. I want to know the best way to tackle. students learn that ship knew what he wished to say. Hey has a bit when we find or to save up but the whole. I don't know for example, how much she has made James a year, so my my wife made about what you do about a year I am a loan officer. I worked peace commission, but my ear to date should be about like two hundred and sixty thousand Why did you go a hundred and forty thousand dollars and debt making forty thousand dollars a year? What are you doing? does she went to a private institution? she was originally for, fashion, merchandising and marketing there huge market too, will break into. Those pretty hard to find a job but yeah

So here's what I would do if you make three thousand dollars a year and you have a hundred thirty thousand and that I would pay off your dead in one year ago, one. Forty from three hundred leaves you plenty to live on a guy how'd, we haven't got light, sixty six thousand fifty building in the back now good right that check against it and then your pay it off in six months ago, you're not going to be sorry now. I guess it is harder than I go about money, but yeah I mean that that would be dreamed of back. The Catholic does become completely you have to get rid of. This sally may is an ugly old woman and she's in your house, and she won't leave until you throw out and the faster you throw out the vast you're gonna get on with your life.

the problem with paying off your student loan that you're not going to do it. That's the problem you're going to get on this like it matters, and if you don't it's going to hang around for another ten years, have a bunch of theories and still have Sallie Mae in your bedroom. This is the day. Ramsey show our scripture, the Hebrews thirteen? Sixteen do not neglect to do good and to share what you have for such sacrifices are pleasing to guy I follow. Ambitions for the purpose of life is not to be happy. It is to be useful to be honourable

to be compassionate to have it make some difference that you have lived and lived well and, oddly enough by the way, all add that that will make you happy go figure. Michael, is whether Michael's in Dallas Texas, shame Michael welcome that I've rooms you show. I learned that sure, what's up good question. I have to put a question at the moment. I wouldn't have TAT No, she just a movie. I was trying to teach your worries to hear an email, just China, and I realize you didn t TAT S when you have the money available to us and here dance was

We need a line. You always need something I can a line of credit open and then my heard anyone argue with them. So I'm just a little money. Why would you want the line of credit open if you have the church and you have moved it. you just created here, that's just her that people. Have these sayings are I that because data show normalized and they don't even think sometimes when they say stuff about how ridiculous what they're saying sounds. What he just said is- always want to be in debt- its common, don't do anything like TAT, so that's all just lay down, but you have a credit card. You know you want your stuff like that. Ok, I can understand that. But I understand minority much work and quick question was. I have my kid Garber each time and I was trying to find out because myself I have a lot to job losses.

She about. How do I go about achieved on the little chance birds, the sand, better ended Gruber account to arrive in Ireland or what would be good for them to be, rather, in our age, be opening a five. Twenty nine is not transferring you to cancel a garbage and get a good man I their kids name for four or five twenty nine plan. harbour, is baby food company there, not an investment company and they sell gimmick. Life in whole life life insurance as a savings plan, that's a piece of crap and it's horrible actual so? If I were in your shoes, I would get with a smartvestor pro open, a five twenty, nine or nine, or an for your child and just casually stuff in and use that money to fund it. Yeah can go a step further. Aren't you said it's horrible, because I get as a mom when I I raised all the baby stores now you're pregnant, so you get all these brochures, so you ve got a man. I got so many of those fires and it's horrible

because the rate of return of what their taking is so small explain what you say: it's horrible dissolute listener. What does that mean? Well, it's a whole lot of life insurance policy. Yet for children, and so they don't need life insurance if it's a savings vehicle that pays almost nothing. And its housed in their life insurance world, and you know any You get around insurance of any kind, that is a gimmick me It's it's aimed at I'm kind of little weird corner of the world like this? Is life insurance for children for babies? For God's sakes, our savings programme for babies brought to you by the same people, you by your baby food from you, should that right, there's a clue in so Mickey Insurance is like cancer. Insurance You have health insurance covers you. If you have cancer, you have tat insurance. Why, cancer research, because you already have health insurance. Just why you're not and not lose your?

gimmick anyone is so gentle death black here more dad. If you die by accident, you're still just dead, it doesn't matter double dad you know and your family needs money regardless how you die? While I am likely to die by accident, no you're, not that's. Why so cheap that it's. A gimmick is what it's like, I'm! an extended warranty that only covers one side of the television, the other side of that uncover. You know it's like. I write that kind of thing, so you just don't get into that, and then you have in all other other issues, so yeah. It's just bad gimmicky, ineffective, return life and products product for children. And in its it's one of science, where the parents that company knows you have this emotional need to. When you have a baby

do something good for them and think about their future in your noble calling is apparent, and they too at all that and show you crap. South where this in Dallas Texas, I serve our you. I'm doing what are you doing better than I deserve. What's up. I have a wealth and made a genius decision and bought a car. I got it honours. Who sit car long and could begin they pay it off. It's a five year loan, and pay it off in about a year's time. Does it needs and for me too, but that money in some sort of investment vehicles or should I hang onto the loan and zero percent. I have met with thousands of millionaires. I've never met once said, Davy not made all my money, borrowing, zero percent on the car and investing it sure.

so the answer is get out a consumer that, because that's what all millionaires do they stay from payments of any kind studies, all the data points we have from thirty years are doing this all say that the people build whales are the ones who stay out of bed of any kind or they find themselves in that, like you have sure they work their way out as fast as they can and I would either sell this car or I would get up often about nine or ten much. I believe it putting out what I was looking boy out and then you take those payments. You never do this again. You pay cash. Your cars from known and that's the shortest distance between where you are in. That's the point. Because the paint your most powerful wealth building tool is the manipulation of interest rates your income, not given to some stinkin bank in the form of payments. and so stay out of the payment business and use the power of your income to bill wealth with, and that's that

the borrower, a slave to the lender means it changes everything again owing you're incomes completely freed up and you investigate and you watch it grow, while you're sleeping risk it does it work Italy is working for you, money worked harder than employee overnight. It works all the time nor twenty four seven. It never gets sick, Doesn't wine it just work. It's amazing, I may works, are Brian Asian Owens Borough Kentucky, Hey Brian, welcome to the driver, amnesia now. The guy for my question I have a hard time saving money. My wife gets on my bad about not not saving My problem is, is, I grew up, not having a whole lot. When I get paid unlike I want it, I'm buying it, I'm it now thinking about anything else,

so I need to know how can I Craig myself and I am not saved for my family- you know I'm. How old are you I'm forty, but let me give you one example sure I'm gettin ready to do a job in spring he'll Tennessee next week the GM play I will be there for about three weeks and in that three weeks I will make about eleven thousand five on good for you, you're growin up and you decided you prohibitions, bank is spent at all on Friday and then say, thank God. It's Friday will doubt if Monday, right now My big thing is short on Tom, Rachel Grandmama, Rachel Jump in here. What you think o Brien them, and I would I'm glad you're here using its. I would sit down with your wife. You need to do a budget together and you need start saving guinea to save a thousand dollars. You guys actively working to get over there and then save three. Is it three to six months of expenses,

the the habit. The habit of changing in your always gonna be a natural spender. It's ok, I'm unnatural spinner, actually you're a natural spender, but you If not, why do you safe, yeah for me, my motivation to save us so that I can do stuff so for some people robust on better later about your wife, would say she saves for security. She wants the level of senior. You know we're gonna be ok, I saved so that I can do things like you could never dreaming again. Brian you're, just gonna, save for it and make sure you

a cushion, though of of an emergency fund. I figured out against women more choice and I can give more, and so I dont say for shaping, like I say, for those other things and that other western, where he is aware that puts us our that Abraham 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 peace and that's toward daily, with the french police station, its Kelly SSC producer fence, greener for that Abrahams sham. This episode has ever, but if you heard about an advance product or service, it didn't have a chance to write it down. Don't worry. We lost everything you ve heard about during this episode question that section or had everyday Ramsay dot com. They recommend feel like you're in a rush and living life just going through the motions, build confidence in yourselves and learn to crush the God who created you check out the Christie Ride, show where Christie inspires, you break through your limitations and create the life your proud to live, pale and Christie right. You know it so easy to feel stuck. You'll live just going through the motions, doing dishes, doing laundry carpool lines and a whole list of commitments that bring new no joy. We live like that. That's why I want you to check out the Christie Right, so each episode will help you felt competence in yourself and the guy that created dear more from the Rams network, including Christie Right, should, wherever you listened, applaud, catch, page,

aims producer of the Dave. Ramsay show this