From the headquarters of Ramsay solutions. Broadcasting from Adela Car Rental studio B seems to me to show where America hangs out to have a conversation about your life. Your money, my name is Antonio, hosted, probably you to impart carousel the table which a boy Anthony O Neill. That's me, a co hosting with me is the one and only Christie right number, one national best selling out there and a host of the Christie Right Joe and also you guys- I just have to say this because I'm mixed

but this hour because Christy her academy opening up next week, Business Academy, Opening up next weekend is only open for four days. I think my right yeah well, I open twice a year scientists and I get a new class of people into my coaching grew and then I was with them and help them in their business for the next six months. So we won't opening an interval. Why asked of me funny man and on Monday, opened on Monday work, Amigo Business, Boutique, Doc, and we have a weapon are free weapon are on Monday. I will cut a sample of my coaching amount: teach them how to sell without feeling slimy show how to actually turned fans into customers, so he can get sales into your business and not feel bad about the process so that we find you gotta business, bitching, dot, com sign up. Your spot and your work sheet for that free webinar on Monday and then yeah the academies open, so budget talk to your spouse, planet get

while you can we close on Thursday and the prizes amazing you're. Actually, all my show on Monday. I know I'm so excited telling a letter about that when you want to go over to my you to show, because Chrissy is a fireball gave this woman. When she talks about business, she gets fired up about it. She knows what she's talking about. I think the thing that alone, you crazy, as you were, genuinely love helping people. Yes, you wanna help as many people as you can end the price you guys, unheard of Chrissy can do this much higher in school, down on numbers which she said. No. I went to her maybe later as I possibly can sell and she parent. I get into an argument or my show my day.

Finally, I love arguing with you of all people you're, like the top of my favorite. Less falling people know that we pick up each other hope. People know it's all you goodbye. I love doing, showed Creasy she's one of my favorites adieu. Americans, we have such a good time, is so hate this hour. We want to talk with you if you are a young, lady or even a brother, and you want to you- have some business questions, our business exe It is in the building only have two of em Dave Ramsay in Christie, right not Anthony only and so Chrissy is here to take your phone calls. Now you want to talk about money number one guy day? Ramsay is never too we can say we work as we have. The microbes will give us a cultural, eight, eight to five five, two to five triple eight, eight to five five, two to five and a kick off this. Our Cindy is with us in Kansas. How we hope is ending things taken my car

trying to figure out a compelling reason to pay off our mortgage. We ve been through all the baby steps and sweet retirement savings here, the cash reserve, I am working one more year before I retire and my husband S, retired, and so I max my for one k until I retire and would just be financed or how sorry get a hundred and forty four thousand and the raiders two and a half percent. So we only really have a six hundred dollars a month mortgage, though I'm trying to figure if we really should start down the mortgage and if so, what's the best way to do it? I hate her lot MAC. Before I one came and were about flights with cash flow back, I just needed an input now but your household income right now. Well, I make sixty thousand year working part time. My husband has some earlier come about fifteen thousand year, but he also has fifty four thousand a year and guarantees

and come what this pension and health security. Now that's it what a hundred and twenty three where gap, which will only go down by about fifty thousand a year. When you re title thousand, when I retired, will still have to settle for thousand. Ok calling me now dead outside of the mortgage. For I know no medical Levin had you have, much cash to you all have in this aim is again. six thousand dollars, eighty six thousand more than we should, and I don't really need that there are five. It's there right now and I'll turn total investment every time a wash where she was income there We have about four, fifty and retired outside of that eighty six thousand, thereby fortunately in retirement baby from it, that is guaranteed income as well of vehicle. So do you have any kind of retirement checks company and was on top of this, while she retired now, ok could not yet now

so. You think, therefore take it to my portfolio, but we're not planning on it very gay. I totally totally agree here's my thing and I don't have nothing deep to tell you Cindy guy, I'm not gonna. Try to convince you of something deep will be real. What you having no payments manage. Payments when you retire. That is all of the information that I need for myself. and I know you say more than six hundred hours Anthony. Well, that's six hundred. I was twelve hundred hours every two months. two hundred hours every quarter, and it s a lot of money that if you and your husband can just pay this off, and you, while we have. How much is the house worth about Twenty five there, three twenty five so listen if you if the money inside of the four fifty das going, RO three: twenty five and a house. You are close to being a millionaire and you all can pretty much live off the interests in income at you. I have come again so

I mean your shoes. I am definitely I'm gonna max out more for one, can cause you're absolutely right. I'm asking they sit down and talk what they smart best approach, because we you just having a six hundred out of mortgage payment. You way too much is sitting there not gaining compound interest, so we want a farmer's smart, this approach and able to figure out. How can I catch up? How work vessel a bit more into maybe honour Roth Irae right now. So right now, thinking you and your husband only me. Maybe fifteen Grammy, you save as account. You know, and the other money I'm putting their own air. So we can save and invest so, We take a chunk of that money and put it towards the mortgage, or should we start paying the mortgage extra each month from that savings from that cash real, quick one, one better way to do it. If you pay the chuck reducing the amount of interest that you're Pang versus spacing out over months casually, while it's only six hundred dollars a month, you have a percentage of

that is my interest only that you're just paying for no reason you don't have to answer if I'm? U at it, and now you do what you want you, but if I'm, u, I take a chunk of that savings. I can't think talking about and put that towards me. As a one time thing and make sure there's no penalties and in whatever your mortgage agreement is right, user there's not than that immediately. Throbs younger asshole down, and then you don't have, the interests is significantly lower on your remaining period, here's! What I'm doing sent out your case gay, if I'm your husband, I'm saying wife, the sake fifteen now's part that, in our same, is account for emergencies. if I'm your husband or wife, where, if I'm your husband, Saint wife, this put- thousand savings. That leaves us with seventy one thousand dollars that we can put towards is one forty four. That leaves us with seventy three thousand dollars and unless,

look it's own, attacking that over the next year before you retire now you retire with absolutely no major bills and you still have about sixty seventy thousand all the income coming in a year, gasp, youth! That's that's what I'm doing, and I am a man and I am sure this is the random 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 terms Fraid of recently dropped and its act? 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

care of this and let the team at Zander Insurance, help gotta zander dot com or call eight hundred three five, six, forty to eighty two, where'd you, personal read so doing is right to code. It is kicking off the segment right good afternoon. How can Christina help Guidelines for taking my call, I guess I have questions. I downloaded the every dollar app could out like to get a budget going to looking at yet some time ago. meant currently well say. Ah, What can I get my God disability? I guess it's gonna show in investment, but I guess again on small business owner. death, disability and maybe Cinema Termites term life, insurance and stuff.

I got your personal debt but I had about a hundred and twenty thousand indebtedness debt, any those loans. Are your percent interest I'm so not too terribly worried about those once the other one that should be able to pay off. I would say by August based on the seas in modern how'd. Here I'm trying to set up this every dollar on my budget. but my money, cancer changing it, I'm a seasonal workers middle landscaping saw em up and start space in always changing from year to year. In common mother fluctuate show ourselves can I go and plug in white. My arm where did he well said? You know that kind of an idea of what I can budget for investing into disability and life insurance. And what are you not should be honest?

contributing to my wrought iron. Six thousand a year This transfer my next steps as where I should be going. You no girl, you doing my networks. If you will say yeah great question, I'll tell you one of the things that I'm with you. I love every dollar and because I've helped so many women and men start and grow businesses. Why things I'd love to see in the future is a every dollar for business app. We just don't have it right now, so I, A lot of business owners that have used the every dollar out for businesses. I want to give you some tips on things to keep in mind. First and foremost, it wasn't designed for that. So it's dark, and we perfect, is sent me perfect user experience for you, you're gonna have to modify. You know some headers in the way that you just the way that you interact with it, because it wasn't designed specifically for business, but overall it going but what you wanted to do, what I would recommend those I would rather recommend you have separate budgets in every dollar.

Just like you have separate budgets in real life and you should just keeping all of your business and personal finances separate. So you can just simply use a second email address to set up that every dollar account business and then have an average argue that you manage for your personal as far as the incomes income. You know irregular income you're. Gonna manager budget one month at a time and the way that you will create a business budget in every dollar from revenue standpoint is based on projections and past years, actual rules. So you get your last few years, if you two August every July, we have a huge July than when you make July's budget yoga Four we're gonna path, more debt, that much and you got really low month. There may be some months that you are barely make it pay role or whatever that looks like with your expenses, and you may not be pan. Hardly anything in that and you just you create the budget but one month at a time based on the projections of what you your business will do and you just modify update as you go based on

actual rules in the year exerts. absolutely emerges timing. What I'm doing now and is not doing it on an app in. I just do it on on paper, so I mean in this transfer that travel down on paper as it is on the absolute down. I think, what's watch confusing news, if you will say yeah and I will say when you start to input it it'll take a month or two to get used to using it in this way, but once you do it's as it is such a better experience than paper and because it Has that category specifically for paying off debt. It's just gonna, be this awesome. Visual Frida remit. Remember here's how down here's? The progress were making it's nothing. It's gonna be even more motivated to pay up you can tell your point allocate the amount of money that you want to set aside for disability for all these other expenses, you're you're, just gonna plug a man. Just like you do your personal thanks and says, like your cable bill, your Farmville, whatever is going to be a separate up, a separate accounts and those are set. expenses. So you already, it sounds like you know what to do. I think it is a matter of setting it up under arrest.

email address the great question. Thanks are gone. That's awesome, Christie, love watch where you kill it better. Elizabeth is with this in Tennessee good afternoon Elizabeth. How can Christine, I hope, guys aren't you guys are the dream game we want. We know that But how can we help Elizabeth yeah? I so critical I am only dietician and women to be able to help, people lose way get healthy. I hated seen the growing obesity trend in America and thin. All these diseases. That really could have maybe not be prevented, both at least help. If to leave way, get healthy exercise.

That is why I went into the courier and I have ended up in long term care hates totally the opposite of what I really wanted. He gave, though, how in the world out of love, I would love to one data. Oh my own practice, how do I go from this job to private practice? When people with way in and get to overall better at last, stop well, there are so many different ways for you to do and Elizabeth, and sometimes that can be exciting, because you have lots of options sometimes like overwhelming, because you have lots of options either Even when you used the word practice, it sounds so official like that could be way way way off had literally start helping people right now, on the side, through a blogger hide Castro consulting or courses there, so many different mediums for you You do what you do and help people and their so many different ways to monetize it

what we now have on the side. I have been working with a company. That's like tell it. fight tell a dark working with the UN and it has been so slow and I to be able to move more the job, and I am now to more and better law making our clients through bad you you're working for company, though you're doing your uncle yeah right, yeah, I'm recommending you do your own thing and is it is not. The only option is not the only But I'm saying, if you to use their skills, experience and your why your passion for helping people get healthy. You don't have to work company- do that you can take your skills your certifications and who can help people through all these? if mediums, which is what I'm saying, what I commend you do is. I would recommend you figure out. What is what what are you? What's the word that you love doing at the most. Is it face to face? Is it something

are. You would like to maybe create a course or create something that you just put out there and it continues to sell on the background. Do you like helping groups. Is it you know what are the different format that you enjoy and then look at options to help people through that format. I would if you'll stay on the line, we will send you a copy of my book business booty, and this is a plan that the unintended eating Elizabeth guys, don't think I'm a businessman! I don't you read it even if you search on business, I want you to read it and look at it will only be this Monday dear. I will help you explore your options of how that UK do what you want to do and help people that you want to help and picking the right path for you, and just because this is fine I'm so excited! You hear a lesson whenever you complete that whenever you were the Collie back and we will give you a membership to the academy. But you need to know what your business idea is. This really for people already running their businesses, but call us and I would love to have you in my coaching group, because I want to help you export

options, but then bring those options and those ideas to life social stand, the formal we will send you a copy of business duty, any one of the things I see a lot of people, they don't care, How many different ways they could do it they do like this month were celebrating teachers you and our teachers- Europe, not in it, national school sense, because we teach it's a different way to do it, we teach their courses, we teach their shows to teach their pockets and so on, so there so many different ways for you guys do what you want to do and if you're not by the way that you're doing it or the company you're working for look at other. to do what you love to do. Absolutely absolutely. I just saw dinner hope. You understand this, but she said what you do. What you do call her back I can get. You saw the academy so collar, look

one is to grab at Christie, be right Christine you said yes, I ever see they re Allah reminded you say: that's ok, cholera, and, if you don't do it hit me remind with them, are watching this is ribs.

Creasy right here, three o Neill Ramsay personalities taken over the ribs show today that this has been the ramp d show with the Christie right at the table. So all in one and is so so so fine find out for yourself. Why bless com is a number one online retailer for custom window covering you get free? apples, free shipping and with the new promos they run every month, needlessly Even more use, promote. Ramsay to get the best deal roads restrictions apply so today's question comes from Geneva in North Carolina, my home state married with one child we, eighty five thousand dollars annually and have to Carlos Goodness, gracious

suing a nurse in degree, but can't get approved for a private stood. Allow good there's a thousand dollar ballots on my account every eight weeks and I currently use credit card to pay it. Can you help me in a better way to continue my studies, a pillow you're gonna, take this guy you're so box, I'm here for my this eighty five thousand dollars a year and you have to car loans and you can get up. For a private stood alone, good, A thousand dollar balance on your account. Every eight weeks, how do I currently use- and I currently use credit cards pay for this- is crazy. Can you help me? a better way to continue. My studies. Stop parlour your racking up so much tat, one of them We first things Creasy, I teach people in this situation is to stop, is to step back and take.

debt completely off today S account even enough is not an option. Debt anselma student knows: that loans, credit cars, by year, financing school financing, not gonna, take debt complete, lay off the table anyway, do. Is it forces you to look at different options, This may appear making eighty five thousand dollars annually imitated promised to Carlos. If you, if you can get rid of those new, you pay thousand hours every eight weeks pretty sure you cargoes bought himself was about twelve hundred hours every month, so how China can cause. You say he tried to get a private law try to get you try to get the most expensive lloyd. This is ridiculous, so here's what you do you need to pass We need to step back and say you know what hey I'm not gonna. Do this anymore. I'm not gonna put myself

to debt anymore. Take den offered a table you to sit back and say: no it hey. How do we fix the situation? Ok, you need these cars paid off me any to get them out of your situation. That's going to free up some money right there for you to go to school, now and then also look at what are some different opportunities out there. That can help pay for school, I want you to go to my colleague outcome. Go to my colleague outcome. They have a lot of nursing programmes, allowed a nurse and scholarships out, my colleague outcome that will help you out, but take debt off the table start attacking these, Carlos our honesty seller and go buy something cash, so you can go to school. Yeah, just acknowledged that what you ve been doing has not been working for you. So so, let's do something different digging open a whole is not gonna. Get you ahead for digging they're in the hall with a private loan is not the situation you got to do something different, and I love

You say that I'll take them off the table. You get creative and you come up completely new ways to do it. You want to do when it's not an option when it's an option. You'll take. It is easy route you sign your name, you get a credit card. It feels like free money. It's not the easy way out its aid front longer type of hard. So we want you to have the discipline affront to have the hard way of doing some research hang get scholarships and pay this debt off and it will pay off. Long run. You just gotta, you ve just got to do something different. This is not working for you and I feel I feel you hate you. Sinners had to me. She needs to go to school, and so she can make more money. Now now, she's dead in debt Did you tell her to stop going to school pay offered debt? The angle can pay cash for it's gonna. Take her longer. Who cares? That's good, the person Chrissy it takes them about twenty years to pay. there stood about twenty years to pay back their student ass theirs,

five million stood alone bar is what one point: seven trillion dollars and stood alone dead, me to stay here until this lady to be a part of that stat. Not now guy shaking his head out there like tell em Anthony I'm Othello. Firstly, when I heard it is the only thing to do and will make more money. No, I interviewed and met with the dentist Chrissy idea. tis, with nine hundred thousand thousand stood allowed nod Two thousand dollars: what kind of Dennis is he he's a broke? One he's a miserable one and no stop. Stop stop stop step that get rid of these Carlos. Up apply for things take a year two years to pay off the stuff. You all are making good money right now annually and if it she for years to complete this programme. Our rather you have a rather see you work and work, your boss,

and offer for use in a struggle for the next twenty bottom. Let's get bottom landscape: huh! Ok, we're don't go about David; it taught him out in a beautiful state of Florida the afternoon David. How can we help Hey guys finger tat, you like all this, I recently light. to I'm gonna be a bad guys. I sense. Thank you. Thank you one reason video from them? He came off I'm goin on, and I started looking to all this and a guy got my interest. I just wanna. I didn't know I was such a normal person. I thought I was doing good, but it turns out that I'm wearing one just one advised on what should Do because I think the biggest December. I think it might go does. Anyone turns, like I heard in the past two weeks, I can pay off,

that support for the house. Let me get the six month all I also want to do this in a healthy way for my wife is going to mean she's pregnant butchers. It's gonna be interesting. So I just why make it the right way and all the other nearby, for that When we I'm sorry, you said you could pay off all your dad and get your mercy fund by win by some Floyd. Finally, under it goes in good time before the babies born yeah well Spock, congratulations on becoming a dad, and I'm so glad you're. Here you're new to us. You stumbled upon the video and to examine your call an end to get yourself so well done for calling I'm just I'm so I'd your hear anything You have a great plan. The one thing I would take into consideration is how much what kind of savings you haven't now to have anything like Starbucks.

Ok, a lot about how much each item that I, like thirty gay, ok, I pulled the house, but that's why we're Income, because if you can get it all paid off by December, you must be making some good income. Enjoy between me and my wife and twenty thousand. Ok, you're, ok cool! There is, though, one thing I'll say, and you tell me if this is not the right advice, because this is this is what I would do again, I'm not as black and white. Also. Sometimes I like to just fond of a happy medium on things, because your wife is pregnant they're always could be unexpected medical bills and you dont want that to be added stress when you're already in a word about your wife, your baby, etc. I still want you to fact that debt? I think you can't do that. You can get gazelle intense. You can sacrifice you can get it paid out on the baby's here. I just would not recommend you drop your savings down to a thousand dollars Now in the process like we nor you? Tell people that x

a cushion, could be necessary in your specific situation in season that you ve got maybe on the way and baby the whole, the process is, can be expensive with doctors not happening, and you just want a little bit more peace of mind. If anything were to happen, that you ve got that express. That's what I would say I when I say a thousand dollars, but what you ve tried it out: you're the real Marilla romantic. I've got my greatest secrecy to your spot on real quick day before we go to brakemen how's, your health insurance is a pretty good. Oh yeah. I did the research what color there. What is his trees at some? I do this for more thousand hours, with six thousand hours I'll give you ten thousand houses, cushion to discover some medical bills alone. This journey, then yes, going ahead in Spain, the rest and attack this dead. If you can get that thirty thousand dollars paid off within a next, you know six, seven months great.

agree with Christie. Make sure you have the least thing granted savings account just gimme, some cushion just a case of medical bills. Come up. A man can again rats my advice, and that is as this is. The rams Today, scripture comes from sobs chapter. Fifty first fifteen call upon me in the day of trouble. I would deliver you and you shall glorify me. That's Brown went, say Chrissy, which I love this club when life you don't try to land on your back, because if you can look up, you can show enough

I love that lie and look up you can get up like. I love that John is with this in Fort worth texts good afternoon John. How can Christine, I hope, thanks for on guess her. So my wife is about your received. A pretty large sum of money, and I would leave, would like some advice on how she can be utilised that to set up her future and potentially a teacher at day as a couple. A great just about to receive about three point: six million dollars. I praise X, Ray John you're, not mess around ok. Incredible. I mean my my mama, my where she heard into money from from. I may ask him. She is a part owner, while her mother was a poor owner of a business at her family operates and when she past years back her and her spot the the ownership and her mother had in their business and they just sold that domestic wow. That's amazing, so willing at three point: six million dollars. I touch

bout. You asked financial situation. How much did you have we just have a mortgage. The at about two hundred and thirty, two thousand left there to Kay left on it. The showers combining come here, combined income before the dealerships sold is about three thousand three hundred thousand sounds and then what where amass? It is question later on a question as an actual. What were some of the things that you all need, but I think right now. How old are you too? I'm twenty seven she's, twenty four ok cool, so here's what I'm gonna make clearly gonna pay off after house? When you get the three point? Six million dollars you gonna pay up thousand, this we all want to upgrade thousand may not have a problem with that, but it Keith curious. You need to get connects will want to buy smart vessel prose, ok and you need to

connected with someone. That's gonna have a teachable spirit, because right now You all have the opportunity to really make some major major moves and two things on my day that I only invests in as mutual finds it s real estate, so, obviously, with a smart based approach to see? Ok, hey, how do we invested money? What do we do How do we make her mother, proud of is because she left it for us and then Oh there's nothing wrong with spinning a little bit of it and so on, but this debt gave? One of our smart disapproves Ok, how can we invest? Is in a you and your wife sit down talk about? Ok, what do we want? Do we want to go? Get a bigger home for a future family, Is there something we wanted to have a nice vacation? Do we want? vessel to maybe a small business? I don't know we went invests into some real estate. I'm just really have a good conversation, but definitely are smart based approach that would teach you and educate you

on how to win with this money in the set you and your kids up to it. John. When is she gonna get it you should be within the next couple of weeks here. Ok, so I'm up I guess immediate thing I will do. Is I get with your tax professional, we also have endorsed tax professionals to help you know if there are certain ways that you can manage the money to reduce the tax burden that you're gonna have on you from that, so that, in addition to in combination with the, investment conversation, but I would just that's such a large amount of money that it will make a massive difference, how you treat it The tax implication from that. So I would do that as well, but I mean congratulations, that's amazing and you there so many options for you can do and if you do it right, if you invest correctly, even in addition to upgrading your house or anything you gonna do with it like that

will turn into a lot more than that really fast. So that's that's incredible. You guys are an awesome spot. Absolutely mandate, you go hey! No pyramidal does he know we get. It said it. It is this that is sit. There followed a bit No. I think it's a wise counsel, don't be an arrest spin. It get. The wise counsel have the heart. years of a student, and I'm pretty sure you all will be well annual in a beautiful city of rally good afternoon how we help Really because you are young state your guys, progress on financing These people it's all my biggest philosophers, yeah thanks, TAT, Mohammed, the edge here, so I can't union unkind, growing image, financial knowledge and you're gonna know how to start off my final. Just because I'm a graduate student, you should review on twenty six and a half Sunday from school

but I wanted to know how to start off by finances internally. Retirement fine ginger like what are you start before I get to the workforce The number one image you need to do and I want to say this man, then you? How are you until you yet twenty six this day. This is that the most important question you can ask when it comes to money. What doin you right? Will you can be humble to ask a question man that DAS phenomena, you're gonna, be a bright bright, private young men in the future? the more they may. You can do right now what you're finances is invested to yourself, so how much debt art are you coming out with outside of college? So I would say around forty five thousand, but they don't you remember what I am do you have anything to save me right now.

Two thousand hours and say Mr Gekko? Anyone you graduate what do you think of your ball park? Income so a mere child, I go into the biotech field. I think that it will be around sixty five. I'm thinking more so right around seventy five. Eighty five range as well, so this is a seventy five to be on the lower side of my hand here's a theme am I what you got in college. The best thing you can do right now is to attack this debt I think you do right now is for the next three years. Armed even think it may be two and a half fears, if he really really were a card is too low like you're still in college is, the seventy five thousand thousand pay after forty five thousand hours. This way, you're dead free by time. On twenty eight and a half, do you gonna, pull

The reader six must have your expenses inside of a savings accounts. This way by thirty years. Oh your debt free with some money and account and by then I think, you're gonna be making about eighty five. Ninety stretch into a hundred. So now thirty years are you making six figures knew our debt free. You have it. Fully funded emergency, fine and Daniel tat. This man study just came out, then nearly fifty Seven percent of the people in Amerika Christie Candy or to pay us an emergency. That's up to six hundred out babies. Seven percent. So the fact that you get out of debt, the fact you have at least three months anger savings account. May your head of half of your France. and that's what I want to see you do at your young age. Now you gonna be tempted when you get this check, I can be tempted to. good and you know I'm busy your single brother and so any kind of single brother. They has a good head on his shoulder. Make little bit minded Ladys are common in other Ladys a comment, and so will you

keep your head all right. So that way, you do by your wife? Nearly sat there? Don't look at me crazy. I wanna true. You know what I want to see you women and so damn what I would recommend Chrissy, you ebony what actions. Now I love what you said about the paycheck, because you get this income is always sounds like so much money feels like so much money. I've never had this much money, you don't you're right. You don't have that much money because you got this debt, you get rid of this debt and then you can enjoy that income in a different way. But in right out of the gate, pretend like you, don't have that law on hardly anything and you'll get it knocked out so much faster, and then you do- enjoy that income and it's a good income. You you will have earned it. You just gotta, get this out of the way. First, if you want to live down a road Daniel. of course, on a God fearing sub like tat. Yes, I said, let me tell you met act, say this on the ram to shop. I think that the Kurdistan and the most

Best thing I think you could do for your future. Wife is it think about her now is, A good steward of your single seas and say you know what I'm gonna give myself prepared for their future and do in that by paying off your debt doing that by being intentional, with every decision in every choice you made today is setting you up to it, and I know your future wife delight. Thank you so much for thinking about me. didn't know

yeah like that applicant. But let me get up to show Christie. Thank you so much with no by James shouted Kelly for producing this amazing. So in America. Thank you all for this. Even Christie myself right here, Randy. So, given that you have a friend or family member the needs of daily those Ramsay advised in their life, let them know about the rams. We call the day potash it's a quick of advice about life and money under ten minutes check out the Ramsay call today, podcast wherever you listen to vodka money, Isn T always going. We talk about around here, get life. Changing advice on your career from my good friend and career experts can combine all my kid com and show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, Kin Coleman Show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is you were born to do and then will help create a plan to make your dream job a reality. You matter and you have what it takes, joined the conversation on the can com and show hear more from the Ramsay network, including the current common shop, where ever you listen, the pod cash hey, it's James, prick

serve the Rams issue. This episode,