The headquarters of Rancey Solutions broadcasting from dollar car rental studio. This is the Ramsay Show where America hangs out, have a conversation about your life. Your morning, I'm John Deloitte Joint here by best selling author your personality and all round good human being Rachel crews? How are you doing yeah good yeah workers just survive, and you know for real sorrowful into a sort of how much we can you sort of thrive? Almost three can thrive sounds like

your hard drive, it is what it is where there were there go where we are taking. You calls on life and money in relationships and all the things can't help you with Rachel's. Really report and I will help drive Teresa gifts. He shouted AAA eight to five five, two to five, its triple eight eight to five, five, two to five. it's gonna, Carlos in Temple, Florida Carlos? What's going on You guys are infringing the third. You may call you Batman things recalling puts up, so I can from South America married my wife here, the United States. We have a baby, not all now and our train. To figure out what to do next. My plan was to get into a mortgage and get a house high came We have now dad, but my what it has an eighty thousand stood alone right now. We are enough to pay off I'm talking about that. Ninety five thousand dollars

stood allowed is eighty thousand but trying to figure out what it is. We should prioritized bad instead of thinking about getting mortgage and I'm just get it trying to get that advice from your light, Carlos stud manner? How did you guys accumulate? Ninety five thousand dollars over security man. I e that made a my wife argues that scan you. Silly like I was like, like a scam you're like a cyber security, growing audits after hey, thus tanks, there. There are elements in school. Yours will also lend also about. sunlight, Carla's number one congrats on the baby and your life is just that turned upside down

all the most wonderful way so congrats. So our rule of thumb here when we talk about buying a home, is that we say we want you completely out of debt and a three to six months worth of an emergency funds. So your expenses that total three to six months have that saved in the bank and then save up for a down payment from ten to ten to twenty percent for that downpayment. So those that that's the tactical that the whites have now the. Why, behind all of that, is that you realise soon after, you are in a home and own home that a home come ownership is extremely expensive. Things happen, I'm just the other day are gutters screwed up at an ice woman, Nashville and all our gutters filled with eyes. Half fell off the housing issues, I'll get a roof outer. We gotta inspected high five and then tomorrow,

no, you don't even cross by last weekend for a date and an inch of water in the court like a major stuff. Just happens when you home in its expensive, and so what in the packaging is a lot we will rush into homeownership because it's kind of the dream right, like you own, a home and its exciting in its fine. But you have no money, you have debts and you have no money and people go in and ends up that this house becomes a burden and a curse rather than a blessing that it should be so Carlos, if I woke up in your shoes tomorrow right a check for the student loans, I get it. I could ask you to her a garland. It's not fine, but listen, but it Eddie. I guess at the other end of it, though, you have no payments, you have nothing and then, if you want a bump, the rest that fifteen grand up depending on your expenses, save that and save a little bit on side, you are killing at four a down payment. Then I would by hunger promise if you go this roots, even though it sounds just like the simple formula, you'll move into that harm, and when something comes up, it's more like it,

inconvenience than a complete crisis rose so personally heard here. one question and that is surely waiting or trying to wait for loans will give men now that there are given away sometimes forgotten. For teachers in that something that should be looking forward to well. There is talk of student, lung forgiveness from DC, but pieces of it or yes, but honestly, the thing about the legislation. All of that look. It's not like the President, United States can just waiver. Why that it happens like there's a due process, it has to go through to actually let that happen

I don't know if it will when it well. So in my mind, Carlos I dont want to do. I don't want to depend on Washington DC to change my life or waiting on them to do things, I'm in a control. What I can control right now you can control a lot like you yourself, without DC, can do a lot for your family and not to political, but they promise supplement. If you remember your ten twelve years ago, they said if you went to school and took outlines they would for

those loans. If you worked in a certain sector now, so what happened and cartels if I hadn't ringside see watching some of the most brilliant mines, combined with some of the most extraordinary young men and women who went to law school, and I was an administrative law school and many of them chose to go into the public sector to help the least of these in our communities because of the public forgiveness programme, and then it was your six year, seven after practicing when suddenly they would apply to have these loans forgiven and they were either it just completely ignored or rejected, ripe inheres. Yet Carlos envisages me I'm a guy who signed up for a bunch of loans I gotta get. We got two degrees in our house between me and my wife. We signed up for a bunch of loans, we didn't know do and what we say we did. We

the numbers. It is what real we certainly oil. That's a problem for future down to handle. I have a integrity. I've got an ethical issue, my soul. I told somebody, I'm gonna pay you back. If you let me get through school, you guys, girls, Yaller of Means, you'll figure it out. You have worked really hard and you ve got this money here. for me. It's a matter of you know we can we don't you do it on the government were not gonna win the government they mayor meant. Who knows it's gonna come with strange gotta. Have your poet serves all this other stuff. You guys, if working hard, you told somebody hey. If you give us his money, we're gonna pay back, pay back hand back and then be done with it, wiped her hands of it. You have a few months. We will save up that emergency fund and then it's off to the racism can have dreams ass. The great point tail and an interest to applaud you, Carlos Mean United Kingdom from Visa Costa Rica from the city S South America, South America get having came in, killed a running

you're doing Amazing Carlos and you guys can do this like you can do you can do it. The numbers are here and you're only going to go up from here. That's the exciting part is like you said you have me, I guess there is because you did what was right here with right, like gaps that helps Carlos and are probably more born. There calls this you mentioned in that last call Right before a date, your hanging on the cross face explorer. This wish through here, go here is not that I know. Will soon me and she was nature- did not start inadequate hits and has a cross bathed that, like his man room down under the house, like, whereas tool benches, like the the shock in the cross, because Exchequer as you can stand up and technical aspects of the UN's space. The big eyes dropped down. There was no thought of pacemaker, that's doesnt have heating and air, and all that, like it's

anyways have initially it was. You went down to check on a mouse tribe if you really want to know that there were mice down there and he's gonna get sales masturbate, and your water interlocutors, loveless shouting about my friends, merit myself, our reservations are thirty minutes. You think I got. I gotta go get upon financing for the beginning of the classic ground complement this laugh. I come here. We got a date. Everybody looked down at the crossroads. I had about relationships relating to five five, give us a shout and we will walk along with you glad you with this. This is the real issue. Look, I know it's easy to put off taking care of something like life insurance, but now, more than ever, you have a responsibility to your family, get it done term life rates. Recently dropped and its action. easier to get coverage now with many companies

offering to skip the medical exams. If you don't have life insurance or not enough, you need to step up, take care of this let the team at Zander Insurance, help gotta zander dot com or call eight hundred three five, six, forty to eighty two, this is the Ramsay show. I'm John Bologna joined here by bestselling author and good for aunt, Rachel crews and we are taking your calls on life, money, Tripoli. Eighty five, five, two to five AAA eighty five, five, two to five: words lit up and Kelly's. Wouldn't you recall, let's go to Adam in Syracuse. New York. Adam was going on now. How much that today Mark I wondered how to get my wife, a boy with everything that days pass

You know that do under the programme. January about already dollars tat night. oh boy about fifty five- and I just want to change my family tree and be able to therefore, by next year, mail, Brigitte, your heart nude and congratulations, in turn, in this first corner here, Rachel Youth. heard this question for years and years talking with couples yeah Saddam. What's her biggest hesitation when what causes her not to want to get on board All the time That debate is also going to school, and that they should really focused on that watch. I took a proud of it I really don't know her basement were no reproach. Merchant

Should I go about why the wretched negative reviews are out there for all of us here? Have a mine Would you like to make an absolute sense to me and with it s hard to do by yourself guy you're right, it's almost impossible to do by yourself, as two of you are not on the same page, Ok, so what so? Does it sound like? She is good. I talked to some people. The spouses, like, I don't wanna budgets, I shouldn't, have fun and not be accountable, or some people say I just want to. And you to do what I do, because I d You know I've been night, there's kind of some entitlements issues that I hear a lot better, not sure that from her I just hear that she's skeptical process starts. She's she's, your server enormous blunder yeah. Yeah I myself, I'm everybody loves. You ask me

I wonder if it just sounds like a really big thing to two to bite off for her ass. She all these other things she's doing and she's? Thinking of the thing is gonna take overboard you but understand is that, yes, we say we're Mary coupling shuffling work together, but one of you naturally is probably do more and be more excited and the other Winston he's the nerd in our relations what he's the one that honestly does the Excel. We do every dollar four months, but he has an Excel things of map out the future he always has tackled you're. Who want to talk about it. I know what it's like common. What's it about I don't like you know it doesn't get on board, but I'm not as excited ass years or he's the one that pays all of our building. He does it all, even though I know being paid and are on the same page so so for her she just you just need her to you guys come together and agree hey. We want to start this process, but the heavy lifting of the technical Data day can honestly come from. You adamant that that's from from our perspective Adam, had you bring it up to her

no we're alone a dead one night. That's your problem! ok, so you roll over in flutter your eyelashes editor in chief letters back at you say baby. Have I got a deal for you then how that wind I don't have a man, you gotta be smooth that. How long have you been married? Eleven, having hires them again. Adam Man, ok, so couple things You said that I want to make sure our was schemer. Have you always had some things, Are you guys brings good ideas, she's a safer she's, a nurse she's working in hospital? She is east. Predictable rna play a hospital here. Are you the guy? Like hey? Listen, yeah. I am so you when you first called you talked about her car payment you're dead,

and so what I tell you, if you guys have a pronoun problem, and what I mean is if you have a you Her in a marriage in You is common to the very realities together, ok, you're, being together alone, you didn't, we, you tell them the other. For eleven years? Ok, so if you haven't committed right, if you are just write this together. As a in a committed relations married, I ask you can ask that they should be afraid of Riddick she's working for additional others, so that she's afraid of you I beg you very well good, Adam. You know the truth is that is at Rio. Israel honestly. I don't know

probably read out the money. So here's what I would suggest brother. I would suggest sitting down with her in talking about. What's a future gonna look like when you have two kids when you're not married, when you get together for decade. Suddenly, the days and weeks and weeks and months and suddenly you ve been together three years in five years and will think about this later. Suddenly, the future starts to happen in front of you and that's when one of you peels off to go back to school. To start, to create their own future. As we are clearly not on the same page, I've got mine. You ve got yours, I'm gonna go make some more money for me, so different car for me and suddenly you're gonna, wake up and you're. Both me sit on a couch. You can be two inches apart from each other, maybe two thousand miles away from one another. And coming in with something like this programme, which is we ve got a work, Supra close together, not close together. We have to be one on this deal because it's hard and it is back and forth and months. On top of me,

and suddenly you wake up and you're a united couple and your two or three years down the road, and you have this entire new trajectory soon. You talk about want to change your family tree right now. You got two plants in the same house, so at first you gotta do. Is you got to decide? We're gonna have one tree. When do this? One thing again, I am going to raise these kids in a certain way working to build a future together in a part of building a future together. Rachel is Money together right. So your heart is right. Adam! Your spirit is right. Your ideas are right, but it is out of order right now and if, so you gotta do is to circle. Back to this extraordinary woman, youth, youth, you ve created a life with the last decade plus and say: let's make this a unified thing, move forward first hour in the richness that comes from that, and not just the kinetic savouring get married, not just the commitment that we can work to have their money, not just the commitment I rent do parenting together. Well, like that whole life at your brain scan. It somewhat like all these separate

pieces and you start to bring together and it is a beautiful thing. While I feel like people it stone, merits stable, yes or somethin about it, that the richness of your life, it increases because as a level of vulnerability and unity that you ve never experienced before to say, hey we're, gonna be in this together and it's it's something I feel like is it enhances your life in its. Thing about there's something about being tethered in the anchor did not even to knowing that Ankara and ominous fall off this mountain sometimes, but among the die right. I made thanks decided angered into something, and somebody may show me off. She may show but we are heard in here right and tat circle impact we gotta be on the same page working to gather how hard as it so, you guess Ellen Gelban reared eleven eleven years of guys. It there's a myth that also

why didn't you figured it out and there's no more discussions? No more. I roles, no more. Whatever were corrected. Budgets rights, though such a rope now know me. I think the logistical side of the budget goes pretty quick. Like the budget meeting, Corncrake we'll talk, and we do it sounds like, of course it does, but we really really before the month begins. We sit down like hell, it's like a march or cable. We're goin to the beach this week on Spring Break, regarded ass, a nurse and you certainly mapping out, and we, as are all that, takes eight or ten minutes. If we do that fast, but it's the other parts of knowing being known by each other in a deep like his money is its. It reveals A lot of who you are, and so working closely with your spouse. Yeah can create. Some moments were like oh amount. We honestly, I love Amazon, Renault and people had Amazon, but I am I a cast up and they end like it's under his like

creating account years ago whenever we got prime, and so we obviously share the account. But I know every time by something he gets a notification noise like those in the budget, I know tat, I am the splendour the same result, even those things like hey heads up getting a new path. because our non standard we really needed in it creates a just, creates the conversation. That's just what I love. So it's everywhere. There are three years in five years. In It does get easier. You were routine, but it always brings you back to comes right. We had one attraction

This will give you my life or hear that back. We allow we. While this is the real issue, This is the Ramsay showed tribute to five due to five on John Bologna joined, hereby Rachel crews, and it looks like on that day, three stage we ve got a beautiful couple. I ve got Jared and Stephanie from lost cruises. Do Mexico and I think, This means, how are you you get folks were doing great how

due to the outstanding out, had I to tell us about last cruises. Crisis is a wonderful com. it is about thirteen hundred miles away, we drove all the way here. You got some way here along that. Take you twenty hours where we broke it open a couple days, though, get very Fourthly, on Monday, solicitous present, where debt very scary, I intervene your prize and I love it very rule. It so you're here to do your deftly screen how much, if you paid off, we paid off a hundred forty thousand four hundred sixty six dollars. Who hundred and forty thousand four hundred and sixty six dollars, and how long did it take you, fifty months, Woe house No no house just crushed. It came to a much larger incommodes rage and could we don t we started at one eighty, eight for three and we increase. At about two o: six, five, twelve thirty, six thousand rifle

Are you the nerd I am I'm here has very often dollar resolve like may gather IP round enough for Yoga Brazil, one eighty, eight, the two o six that still a lot of money to pay off in a year. That means you are making an extraordinary income. Still do and rational beings. That's right. I mean we. We both work in health care and will mean that this last year of theirs all kinds of work to be done anyway, so were able to pick up shifts and worker. where, wherever they may be and Stephanie is a nurse- and I see you so she picked up and a twelve hour shift for about twenty weeks. I'd say: you're work, thousands have asked to take: fifteen months. What in the world happened so I'll, take it back years ago I mean about three years ago I was I'm a pharmacist than animals do enough pharmacy rotation rule area, parts of New Mexico and one of a party that was I got to stay with my uncle during one was rotations and he was right

into Dave, Ramsay stuff, and he we knew that I had a large chunk of change to pay off without the salami alone and You know, have you ever really thought about what you're gonna do at that point? And I we can have brushed and by four that moment my uncle John and a united I picked up his. I picked up day, Ramses Book the total money make over end about. Maybe six after that I was. I was obsolete hooked right away that book as firemen who just incredible, and so about, of course, of course, about. years ago, my that my wife and I at that time was not quite married yet, but I admit, Durkheim stuffed I've been reading into, and I was kind of not we're going to pay off the dead because mean. I was still learning what that was about and cheek she initially was not on page when we married and we both put our bank accounts together and just were we're on fire from there. You know citizens like this

of a joke, a pharmacist, sits down to explain something to a nurse right. It had an conversation, go where you told your eyes near like now. Oh there is a bit of Ireland, but we have a few raw wrote trips to Albuquerque, where we listen to the dynamic show together and then I was cut hooked after that. They got to hear it for myself, but right, couple days after got married journey, me to my bank and used all of our wedding give money and we paid off my credit card So that was my introduction to why our marriage is gonna, be like that money from the wedding was settled she just like deep Believeth. How does it we all now, because you I started marriage, this whole new way of looking, at my mean, use it at all. Same time so now you're on the side of a u been married a little over a year, your debt free It was crazy, the crazy time we are dealing with a pin like everyone else, trying to figure that out we're working as a nurse through that was difficult.

And then we are trying to figure out budgeting for the first time figuring out marriage for the first time. So it was a lot of first for us and it was difficult, but we definitely praise God all the support that he's given us again? This is all him. That's, albeit with. If we want to save me, that's why she was wearing a twelve hour. She now I'm gonna, be I'm gonna go do so. What kind of debt was that this was a Obviously, pharmacy schools really expensive stewed loans. What else my studio on cause I had gotten of nursing school a while before that, but I was just paying the minimum payments. I thought I would never be out of debt. That was my mindset until June. And showed me that we could do something different, so a little credit courtyard also sent over the wedding. Yes, that's awesome! So what I mean you guys were the the beautiful thing your story? Is that your starting all of us together? We talk to some couples, who Jessica call last segment right in your there together, but they're, not

and together they already created these kind of money habits in their own way, and so you guys started from the beginning. So what encouragement to you have for couples? Are aiding, maybe they're engaged you get on the same page. How important is it? Do you think to be one in the subject? When you get much absolutely I mean? you I could not have done this without Stephanie. You know this means it was all kind of something I had brought to her her attention. But if it had been just me and not heard, they always that wedge. That's always gonna be there in that that that is something that we didn't for a marriage we wanted to go intermarriage knowing that that we we don't have to worry about the money issue as an issue. If we kept me count separate, it would have been a little bit more it oh there's. No, chance of its cause, an issuer trouble. I mean he owes you don't you know the rates of divorce mean yeah, that's not something that we wanted to be in our marriage and we know we knew what

When I get no, no, no, no, no you're exactly right in and to less so with marriage, because I think we we did a thing money. A maritime law is passing. I love your talking about couples about it, because would you say your marriage is stronger now what oh, yes, I I think that the most simple Being a part of this? Is that mean there's a whole grind goes about being able to pay off this debt and I've of absolutely lean on Stephanie in one of the things we are able to do, but God my gosh, like there's times that you know you're, just watching your your paycheck go straight towards a government and its the men were living on much. We ve been living on much less what even Stephanie made and at its heart incredibly hard issues on its sometimes they will only way why can't we all go out to eat like we, you said something we really joy, and but I mean when you give it to me when you use absolutely this, let him and

help me handle your finances. We are his manager since his money, it is get over that he'll ambitious, that extra boost in their actions. storm to lean on, because he has this always there for you and I just want to add Gorham Edges, runs over into every other aspect of your life. So I started kind of budgeting with food A yellow reading isn't easy thing to do and I was able to lose twenty pounds during this last and then, of course, we started budging our time with God more like we need to make sure that we're always being Thomas got every day and so that something that we How do you and we have grown grown closer to God? You have become stronger people, spiritualized gather. May then this finance has nothing to do with a book we ve, also grown spiritually has of are to then discipline right does not want to one area. It does a trickle, sir. That's all some well, I'm ready, so we anyway, you can't wait. Freons paid off

hundred forty thousand four hundred and sixty six dollars in fifteen months making between a hundred eighty thousand to earn six thousand a better marriage better health, better spiritual life man. I did Gerald and Stephanie when you're ready cannot down. Let's hear it through to one or two God where raising amazing Fred of all, you imagine, drive and up to get your Try not to get your medication and your pharmacists drives up in an eighty five Camry. You think what are you doing as changing everything of doing it all and that's what I love took as you sometimes hear about these high paying jobs is high per year. Earners and urges live in that their

to the very top, what they make eliminating fantasy and they said you know I went to scale down for one on their per year. From fifteen month premium fifteen months got everything's different. What a great couple no more twelve hour shift. This is gonna, be fun for never for them. Thank you for joy. this is, the Ramsay show

This is the reins issue: Ungentlemanly joint here with Rachel crews and we're taking calls on money life AAA eighty five, five, two to five triplet. Eighty five five did you if it's gonna mark in Washington Dc Mark was going on Guys, like you, take my call alarm, feel what should be able to talk to you and actually feel fortune, situation in, but for some time having a little bit of extra money, causally strike as well. So it's not all our roses. hey. This is it. This is a good call, the tank. So what's up man who did car use a picture on forty, four Tobin retired, Sixty M a wife, but why can t you kids, eighty two about. A hundred thousand in the bank. Seven hundred thousand in retirement o K

thereby re each day broke, reject anything. I have a pretty good come on over the past couple years. It's pretty much triple about three. Fifty four fifty yeah yeah just change jobs, Dorothy Fashion, but would you do me a better compensation, almost certain to your mess around here? We hope and get on the re. Your suit case at four o clock, but have a small k somebody on time you're asking Europe wasting. As we talk, then your talents again so what's so anyway yeah. So the only debt I have med school and I've been locked into down: it's a one point: seventy five percent darted out about two:

thousand about want one left, you mortgage houses about one point one and down to five. Fifty on that, we find it recently that two point five percent: that's my only that no credit card, no cars of big that so you're weekly. I came across a bonus for work or twenty twenty at the last couple mentioned your tweets. Terrible in general, but for healthcare workers it did give us an opportunity to animal but warrants you're too. So I came across a bonus by two hundred, and sixty nine thousand and we're struggling and not try to say I'm in a terrible situation, but I have bad signal. Did my head? How much do I keep in a bank? I've never started a five twenty nine. How much I put five twenty nine. Do I do a full fifty seven b dump it all into a brokerage account. Do I look and long term care, so I mean that position and I just sort a key figure out. What what do you got

man will thank you so much number one in it. You keep you keep using very passive language, you just likes or what on the street and stumbled into a bonus. My guess: you work here, but often some really scary situations in a You were there when people are hurting and you are not bonus and am grateful for all the work you have done, and I am grateful for your wife hold things together. Are you ve been working like bananas this year, some guy, you earned the bonus pressure not yet. I have worked behind closed doors with doctors with their Scotia folks through mental health challenges through relationship Johns one up and I'll. Tell you something. That's always been a mystery to me is the love affair between a doctor, a medical practitioner and their student loans. You guys love them, he loved gone to them and pet them and sing to them as though yelled in large here's. What I think it is I've got. I've got one percent and I

work with now who's kids are in college still has its students right, loves deep in his heart in time we again our time about it, but it comes down to think too. looking at this as a math problem instead of psychology problem in so, if I'm you Rachel happen here, I would take the hundred sixty five thousand dollars and I would pay off my med school before the day is over today. I'd pay it off be free from all that, and then I would start considering going down the rabbit I'll get my house paid off and then went forth and cats college. I am going to ask why what causes you do relate to earth what John just sab like? What caused you to keep the one twenty around. you're. So I mean it's just the leverage of the one point. Seventy five percent- I am I have this challenge in my life to arm- need some

that has a lower interest rates that yeah they haven't come across a person. Yet you know em out of let's go about twenty years carrier loans, but I just feel like hacking, Peter It doesn't way on me, you know having that having that burden, it really doesn't my wife's told me fine with it. I just feel like I can beat that be death rate. Yes, now turn. So I think that's what you're saying sitting on the math stuff, and you don't think it's weighing on your all. That and you're in a great positions are honestly you're not lose any sleep at night over this thing, you're, not mathematically cause. It's it's a small. Percentage of everything you have, but I'll tell you more if you paid off today and you walk out tomorrow guarantee you. There is a level within you spiritually emotionally all of it that justice gonna do do so just a little bit not even realise that cause you been hanging onto it for so long, so what we teach is getting completely out of debts.

first and foremost and said that it would mean yes, she's gonna painted off is getting out away. You have cash in the budget the earlier in the car. I write it down. You have a hundred and what was a hundred grand the very beginning. The call is ass, if you have any of seven you're, damn retirement hunched over the city of London. you're saying it's great okay, so once you guys again and see how much is six months worth of living of expenses. For you, guys, you're in DC sets Polly Gonna be will be higher dollar amount than someone living in Iowa figured out. What lifestyle as and keep that, so maybe it's that maybe the less or more are now so put that as I keep that just boring and a boar money market account, boring savings. Count, that's gonna, be your liquid emergency fund. If something happens, then I would start to look at your kids college and ages again are what tyranny tonight. So I would set up. yes, so you may not even qualify cause of your income foreign s as you may want to look at a five twenty nine plan and start putting

running away for their college. I think, would be the next best step to look at and then at the same time be funding determined through an extra that housing cause. You you ever house halfway paid off, which is amazing, sobering. You haven't got like we set an incredible situation, or can I think you can make a lot of ground finance if you just stay, focused here, you're doing a couple of things here and there it's kind of all over. But if you just make these steps- and you guys doing you're gonna find progress financially so much faster, I think than you have more quickly a surgeon or you cancer, cervical cancer, certain well, and so is it? Are you on the front end or you more insight fork, you care Well, you don't actually both arm ass, a cancer search by Karl just conclude that sixty percent of this we do indeed, final diagnosis is actually not cancer right. So you these people to get referred to so I'm on the front end, but am also known every What are the surgeon was going off

Look in your so is there a up early on especially March twenty twenty March April? May that the votes and in it mice it my sphere just my buddies and books it I've. I am connected to man. They they puckered up the elective surgeries overnight. Right in there was some folks. It were really scratch in their heads about men. If we don't open up somebody's level things, the whole hospital system rolls over because much of our income is based on common and were soon were was at your case. Do so to really interesting right, so we shut out for six weeks in April and may the health system or health system they announced they were they publicly announced they were losing knowing the mob due to the elected surgery right grace of cell therapy, is crumbling shore and we were concerned about attitude health system, the patients we take care of livelihoods, but I dont know if your things in your sphere but what I had seen is now that Pate Nanda people are home. People want their lead,

Service, because it up in his work, I didn't water, in twenty twenty Shutting down for six weeks than I ever had done in the other in my career discontinuing. Yes, it s very cool so here is where I was grounds aiming in it. Rebounded really well for you, which is excellent. The folks at I talk to you under this deal really got scared because they thought that that election, that elective surge- world was over here's what I'm getting if you, even you get is low interest rate in yes, man. You can sit there and giving us. I urge you to make the math work and, as a go on colleges? That's what you do in your head. Privately, nobody knows risk like you. Do nobody can sit down and say: here's probability here is ongoing. That I'm gonna walk into this room, I'm gonna make sure somebody stays alive to tomorrow? That's an

Jordan Nary a powerful economic terms, but I want you to go back to you. Got no payment. You ve got no debt. You ve got no stress of collective surgeries.

off, then you can be all about. How do I help other people? Not? How do I keep from? Thank you so much mark for your service and for your care, and we love you. This has been the reins. He show things, rejoined us and we'll be back right. You have a friend or a family member, the needs a daily those rambling advice and their life. Let them know about Ramsay call the day, pod cash, it's a quick of advice about life and money in under ten minutes check out the rams. We call it the day wherever you listen to hard get if you're. Looking for fun,

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