Home Buying, Budgeting, Debt
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This is an unofficial transcript meant for reference. Accuracy is not guaranteed.
From the headquarters of Ramsay Solutions, broadcasting from a dollar car rental studios. That's that day, Ramsay show we're dead as DOM dashes gang and pay it off on mortgages, taken the place of the Bmw as the status symbol of choice and Abraham to your host, our co my coast this hour
on the show Rachel crews number one by selling author Ramsay Personality, also
daughter and we are excite before we go to your calls, a triple eight, eight to five five, two to five to announce
free ally,
stream, aware for you guys next Thursday June, the twenty fifth.
With all the things that have happened with the corona pandemic, shut down the economic calamity that has happened in and around the shut
People are wanting to know what to do with their money now, not when they're all
it happened and it was all hell broke loose. We sat down. We did the message of hope.
And you and me, and can commented that right, yes- and I was thought- was a very.
Sobering time. I think for the country right I mean there are still a lot of questions in the air at that time. No one really
was happening of starting quarantine and issues like this. This whole thing and just giving people peace and hope that its
to be ok, we're gonna get through that. That was. That was the real need for that now fast forward, three three and a half months,
it's been goes almost yeah. It's it's a different world. Now states are opening up people who are afraid
it is. Our job may not have people that thought they will lose their jobs. Did I mean like it's just like the reality has really set into where we're at and we
may we need a circle back and address the kind,
again, if of what now what to do now so holder, front tone of event, as you said, that was more somber. This is, is gonna, be like ok now what you know what we can do now and we're calling the event what now
because our by asking us ok now that week that the sun has come out.
We're coming out of their caves after the new killer one or what now and such she's gonna name is. We can come up with and its causes
whistler bilaterally, oh yeah, now and again, depending on where you live in the country. Obviously, there still some states that are more shut down than others warranted to see. If I ever
an accounting, that's very open right now, so we probably feel like things, Africa, Irma
I forget sometimes likely I owe you
California other still major lockdown going on in other still
Cities are, there are supports the country that still are feeling the effects of major major quarantine, but again
as he bar seen the light in the tunnel that things are starting to move the markets even recovery. I mean there's a lot of things, so it's ok,
What do we do now? What it? What is this look like, and it's gonna be a fine night Chris Hogan you myself and taken the stage talking about talking about your money. So often what appears to be the backs
of the pandemic economic effects. What now this one week from tonight, Thursday night completely free lives,
We're gonna live audience here in our building those tickets sold out about twenty minutes.
And work
be doing a lot of it, which is very exciting for all of us, because we ve not gonna. Do that all the events here,
to do this spring, and so Chris Organ. This isn't much greater
may we ve written material? Yes, we have. We teach
same things over and over because they're still the truth and you're gonna hear things you ve heard before, but we're gonna answer the question for you, your relatives, your friends, the pay
I think you're crazy. The people at wondered how you made it through those of
I wonder how you gonna recover after this? What are you gonna do Thursday
twenty fifth. What now covered nineteen in your money, Chris Logan, Rachel crews, join me
after the event, you will never again be the same. This is gonna, be a free event. It is live streamed. If you want to watch the event. All you have to do is text the word control
two thirty, three, seven, eighty nine and you can rest VP for the event and will set you up to be able to watch the event completely free laughs, drink text, the word control to thirty three, seven, eight, nine, thirty, three, seven, eight nine and that's very, very important. Indeed. I love that that arched pocketing team to says why looked at our control, but we told you and the message of hope one of the things you ve got to do is you can only control what you can control so control controllable. Yet, and if you controlled controllable, shown your life, they outside variables, you you ve, got some
Can you ve got some pad show that you get control. We keep control even when things are bad, even when the cargoes into a slide, you can get back in control again because you ve gotta,
system. You gotta process, you ve got the principles in place, and so, if you will,
control or you ve had control, and you want to know why you had control weren't each other stuff and
So I'm we talked about that a law and message of hope of, say: hey, really, focus on. Yes, the things that you can control, bang it still that even that word is still so so
and I just didn't interview yesterday and they're talking about you- know that
another stimulus package that Congress has beaten back and forth. Between Democrats Republicans is going to come out all this and I just thought you know if it comes out becomes out, but we or if it doesn't it doesn't like, but there's you want any control.
It's a fair and just when your hands
our house is deep, Washington Dc Gonna say: please rise cod, that that theme,
very strong and very needed of control, which you can
in order to break down all the other money things around. My show, it'll be
one morning had atomic can be like a two hour. Long live shrink roughly
well under two hours, isn't what I need, but what our planet will see how we can achieve we shut up on time, but our
I feel you might get a little passionate run over. You might think immediately. I might run laundering eminent, just wind, you up and you just got you girl, just pulls drawing on the monkey out. You can get another critical rights occurs early. I think he's Rachel had her John, but Dave want. This is that this is the over an under bad. Ok, but I have to
times already show, because in the choice of words,
you're gonna come on whether we are talking not bud.
Age account, do whatever flip Ahmad there so, but I'm not
we're not gonna go three hours. It's it's gonna scheduled for ninety minutes, expect to our explained under two hours, and so that that's what we laid out and that's how much time they gave each of us, we
if each of us, as we sat down map this thing out, so the event is called what now
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watch this just RSVP and we will set the link up for you and you can do it. It doesn't cost thing text the word control to thirty three, seven, eight nine. It will be
next Thursday and at seven p M central time, look under the tattler Sevenpm central time generally, when we do these things so at eight p, M Eastern, obviously, and so Plenty Tom Brady get supper.
Is out of the way up the thing up on the apple tv and just have a night there.
Your family. She didn't know what those press apple brutally reference, particularly where are you you don't watch all tiny law but screen, but you
if you want just Rachel, grows Chris I'll get me the event is what now tat the word country
the thirty three seven, eight nine control, one, two, three, three, seven, eight nine.
The diver actually show if you're right
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Like, although shows our Ramsay personality, gradual creation are borne by showing off oil. Josh is worthless in Virginia. I judged
I'll come with it. I Ramses. Thank you. First talk with you guys again, this time being there also, how can we help so? I've had a quick question
As of this week, I received my employment occur to go into law enforcement, an unlucky
to find out what better way
those who live in time to deal with other people
and why not overnight hard times, five, a partner that is cheap enough to live in as I've only could we make you thirty, four thousand for the first yourself to the pollution, and so my question is: how does the quarter by take on pay relate to kill? So, if I pointed out with a heavy killers, including, can I backed up by budget may be paid
more than a quarter but take opaque yet for was listed on that now wait. What does not rule? I may just a guideline that we shall don't don't spend all your money on. Housing should have no money. That's all amounts to, but
utilities are not part of the one? Fourth of your take homepage guideline: ok and Josh. I've had it are you
confident after the first year, your income will increase if you stay up job after the first year ago, from thirty four up to thirty, eight gonna think that that's somethin to
to factor into the math, and obviously you don't wanna make a crazy financial decision which renting a place, isn't, in my opinion, by
though it be, but if you're in your long least, you can just now that you could price they put if you needed to with the increase of the
however, that that gets bumped up yet
Even more room, in other words when the shower starch coming up, if you stayed for the following year in that same exact place, but
I'm with you. What you need is not something fancy. You just need something: quiet, thanks:
thanks for entering that profession, a lot of folks are leaving it right now. We need good men and women in their profession and serve
you Brandon, is in oh hi. Oh, I Brandon welcomed the day. Ramsay show that day, Rachel thanked her comical sure. What's up,
I can't I'm married down pursued in one eye was three years ago with my axe.
I'm getting married in September on China in a fix others wrinkled, so I co signed on a car for,
Annex I ended up. Let me take it very possessed the vehicle and everything is eleven thousand dollars still on the car.
I'm not sure. If we should, you no worry about their right now or can we have a powerful member state up, but we just want to serve. We should tackle ladder we that for later, until they actually never stew it. Ok who push, we might be attacked. Sorry
Oh, oh, I see ok well. She should not do anything until she's married you near here. I understand because that's what I tell you gotten us most in the first place, you adequate
So the amendment should understand the story. Right, you got divorced and then know it was you
Sean for it was a girlfriend.
Because I know ex girlfriend. Ok, your actions, your ex girlfriend
You co sign for a car for your girlfriend and then broke up than she broke up with you, or vice versa. Whatever and you have ended up in the car end up getting report. How long ago was report,
alarm referred Polly. Maybe I was six months ago. Ok,.
So rude rule number one
you you said I did a stupid thing. That was what you said. Okay, I and I agree with you that was stupid.
I've done a lot of open stuff in my life is in fact is. What makes us show entertaining is all the stupid things I've done in my life and
Ah
The thing I always want to do after audition
stupid is really wanna say never again and
the rule is never
Co. Sign,
alone
anyone ever.
And have you thoroughly learn that lesson now here? If I will never ever bear down that road
So if you got low brother or sister
I need some help. Would you co signed for my brain and I need a car with Europe
brother. Yet
they are now now can I have a better way.
The ruling that by eleven thousand dollars, Yanks girlfriends God, don't worry, I'm airport fiance like who cash you feel like it was a bright yet so here I don't know you don't use your eight thousand dollars to fix this right now. Let us said a little while you
You will end up having to settle this at least you're part of it. They can go on
your eggs, you and what I would do is offer about one
cents on. The dollar suffered some eleven thousand dollar bill out, often but two grand- and I would do that six months from now, when you get married circular, twelve,
there are some shop around Christmas. For so called these people have little
Until then they typically get-
none of this money, that's what I know
we get a zero
If you say I don't really care about her, meaning the excess name, I don't care
Alan Joe all I care about is
I'll settle. My part, you could still go
for her? If you want I'll settle my part for two
thousand dollars and you'll have to bid on because they're gonna, wind and they're going to act like they always
more than usually get nothing.
No twenty cents on the dollar. We can usually shuttle repo for one when our cultures, our counter.
We are working with people in these situations because, again the repo camp, the companies on the report deficit, usually get
thing nada and is putting that in your debt. Snow offers other debts that you guys are working on the clear up: yonder they'll, let that thinks it, but I've got a thousand dollars and you don't have any other dead and you get married. You still got eight thousand dollars. You know, then
all em up and start trying to negotiate. It may take you two months ago, back and forth with EM dismission with him.
One of the average percentage that they're gonna go after her, for that
I very the likelihood almost zero.
Because they knew she wasn't worth the cost of a bag, a flower
while they wanted a co,
They knew she was a deadbeat. That's why? I,
want to co sign of Entebbe she's in where I work harder. We at work where we end up
No, she didn't pay the bill. Cargo repose in what we call a deadbeat.
So that's what you call that so yeah I mean that's the thing: what's wrong, it's so one anyway,
a simplified semantics now good.
She didn't pay the bill so that that's me
pay. The bills are dead. You know somebody deadbeat, that's what you do for getting us if you screw up your life, so I just
but the eyes are over and begging your sister sympathising with the proper and what, if we
story. What have trouble we were. So I don't know nothing.
First sitting there. How old were you yourselves way,
What are your liking him? I know you said thing, but the whole picture are people like getting, but
picture, given the benefit of the doubt. I gotta
the joint aloni fists pump in the booths right now thing, while the whole picture and worlds right works works. But where are the three were expressing our mind? Learning is rarely armor and I'm just getting you shouldn't by the bill. Cargo reproach William College. Will college personal. That's it that's the lattice. That's the facts, not impossible, Pascal foreclosed, on what you call that called a Geiger foreclose deadly
this, not a debate more quit doing stupid, but stuff seller. You change the whole thing. That's your life!
but are growing up, shall area open phones AAA eight to five five, two to five proverb: seventeen eighteen King James,
the new king, James version, says one lacking incense signs surety for another
Surety is old. English Bible for debt, the contemporary
which version says it is stupid.
To co sign alone, proverb seventeen eighteen, the Bible says it is stupid.
The coach, I'll, never kosher.
Of course, I'm loans iota paying one poor fool,
ocean. For me, he ended up paying it. When I went bankrupt now to go back and pay,
but his wife still mad at me. Forty years later, that's what happened,
grew up everything doubt co signed the,
whose hungry to make alone won't make the loan,
really big sign that you got a problem. You co signed void this
but I am sure
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So now we have to manage the lobby Ramsay Solution, a humanist have all of you that some of you have come to stake from states where you have not changed humans in awhile, and you escaped.
In the Tennessee were open thanks for joining us right on the debt free stage MIKE and
Kristen are weathers from Baltimore Maryland good to have you guys welcome. You bear almost dead view to pay dollar hundred and seventy four thousand seven hundred sixty dollars well well alone to their steak,
three years in eleven months, wow
and your range of income during that time, certain
around a hundred and twenty thousand in Finnish around a hundred and fifty good, what do you do for a living? I fix big computers and I must stay at home. Go go very good good for you guys. So what kind of death was this one hundred and seventy five thousand dollars? Well? This was the last payment I work for credit cards. We had a couple that that
There s a hospital bill and then, alas, was a hundred and sixty eight thousand of our house
people in Maryland. Do I, like it very good ratio. What's this house worth three hundred seventy nice,
how were you to raise my birthday,
having or allow I'm thirty nine and thirty eight, not even forty not yet paid
or house on earth almost four hundred thousand dollars. Now we say,
impressive heroes. Well done! Thank you
very well, then. So what started? You got? A guy love it. You said three years in eleven months, acquired or Maria. So what happens?
us for years. Go I'll. Give you the credit that three years in eleven months, what happened then that Sarge
The jury will have always been on the money.
Things like the research of that
has been on a budget since I was eighteen, but above
years ago I started to run and I need
have a watching. I get outlines attraction running. Am I hardly know that stuff so as to create what watch was the best?
so then I went online. I found a guy that was a good everyone, viewing those and he had
podcast so
revenge on any back ass. If I download a pack has player and on it, so listen his podcast, but I can't just have one Pike S
sorry to research and money and
the day rams. You show pops up on a pack ass. So I start listening to your show. It was hooked from the first show:
I can wait, there's gonna talk about the Bible and talked about money in the same episode, and we heard about your book. They took the total money maker,
in that gave us all the steps that we needed and also
taught me that I was. There was doing my budget wrong. You're doing
I wonder what were you doing? That was wrong. You either
Spain is so well there you, dear budget, every single month, because what
in May, and habits in June doesn't happen in December. There completely different
need to sit down as a couple every month, Africa, what you what you need! I wish we had this big.
For the entire year and have remember everything progeny to do it every month, so that
the Uk- has a stay at home because I'm because you have, let you have to do is to kids and what holiday eight and ten months,
Ten months graduates have a little Charles, whose eight months of work, I feel you girl, Ophelia, ok,
was all that journey like
being a single mom you're there at the kids he's. Obviously you guys are being focused on where the money is going, the income that he's bring em, you play a huge role in this process.
Also you talk to them.
Out there that are listening, that our hall, like what kind of support did you give him? What did you do it the harm to help accelerate this journey? Well, I mean basically he was like well, this is what we gotta do when we have the money. You know we do the envelope system. So whenever wasn't that envelope, I could use there were times that you know I had to cut back quite a bit, but just I found that it's not something that I really needed. Things were what I wanted, so I had to decide. Do I really need this, or is it just on? One
and I was able to get the things I needed a man. There were times that I was able to get the things that I want it also familiar over Alfredo. That's right. I love it.
Oh wait ago, well, cause Kristen MIKE is a little bit wired up
just a little bit a main had a little bit. He goes from what, by
running watch all the way to putting you only on voluptuous, like one can't when one conversation just about right, rife, simmering resist thinkers.
How is how is your response say? I'm coming in and said: hey I found this whole new plan. You know it was. It was hard at first there were some things that we needed to
Sk I said earlier: there are just a few votes were guy. We got where we needed to be on a budget that I was happy with, along with him as key yeah. We worked it out together and we communicate together and keep on that budget system, and it just really has helped out a lie, and now I can say we are debt, free, no house payment.
So now, if there is really something I why, then you know so what are you ll be able to afford it? Now? You can lose, you live like no one else lighter and underwrite live and give like no one else. So what are you gonna tell people the secret to getting out of that was when people found out your name. Forty years old, you paid off your house, your officially weird, it's all right,
the day. Rachel is for things that we say one as yet have a budget. You can't you can't win without a budget by the budget. Isn't it
babies as a budget that I need to have a plan, and that was in that book. The seven step yet have a plan.
You can get going to be doing, but is not just the budget and the plan. You have had a belief,
If you don't believe you can do it, you're not gonna, do it, but just because you have that believe to you also have to have community education with your spouse. Those four things that I think are important. Absolutely that's good, that's good, and they do we together and depend on each other, like you just share that gas and as well
two things right. You have to have those right. The technical side of ink is yet like you said you can do a budget you want to live by. You should but some people they do it
they don't live by a big dick to it. You can know the plan, but if you do it that's a difference but having yes, the belief is huge and then yeah we're
as a team, and I love that you guys said that personnel are when you said TAT, it was a budget that we both agreed on and I felt comfortable it because it is its aid etc.
Team effort when you're married and the couples that have a tough time.
Once they are running on these separate lanes, but you guys are a beautiful example of doing it together and it's amazing amazing and for your kids, are in that's it's an exciting legacy.
That you guys are creating right now, why it again
guys I hear outside of your outside of your media family. I saw the two of you who are your biggest share later, I would say our parents,
are our friends were more like that's good for you, but I think now
looking out, while the order they actually did it by. Thank is probably more of our moms dad's, my brothers and sisters about that's cool
and brought the kiddos with an amended the shot. What is their names and age again? We gave one
electricity is ten who know she's a she's, not tat, say we go one in Heaven
no use, for he would have been five and then we have our youngest one. Here, hey the gracious sweet ten months. That's out of that! So fine,
proud of. You guys well done well done. We gotta copy across organs book for you ever
day millionaires, and
you guys. You know that is the next chapter in your story for sure you guys can do anything after this. I'm so proud of. You are, I might add, Kristen Alexis and Hayley from Baltimore
a hundred and seventy five thousand Beethoven, three years eleven months house everything before their forty.
Making one twenty two one. Fifty counting down. Let's hear a debt free screen here, they're going to cry, but we're doing anyway ready Alexey, ready Kristen, yet to one
why am I love it?
go you guys from awesome.
I do understand out there that when you start saving
Ass payment! Invest
the house may, when every month from page forty,
sixty five! That's millions
and millions and millions of dollars. So when I say
gonna be everyday millionaires. I'm not kidding it's mathematically. What's going to occur very well done very well by family tree is changed, love this stuff
This is that I ran Felicia
although this our rooms, you shall Rachel prove Ramsay personality, number one vast selling, author, she and Chris Hogan, and I will be doing an event that has a free live stream of aunt. For you one week from today.
For most of you listening
I live on the proper day. It's Thursday June, the twenty fifth
seven p m. The event is called what now code
Nineteen in your money! After all this thing we ve been through what now, what now Chris Organ Rachel crews and I'm gonna tell you free a free event. We broadcasting it from the state.
Here in the atrium at Ramsay solutions,
I've audience that his shoulder
by the way that those tickets were free to and are so text the word control to thirty three: seven, eight, nine text, the word com:
role to thirty three, seven, eight, nine and you can get your free tickets to view this next Thursday night June. Twenty
that seven central time can be a lot of fun. Yes, it can be a great great events, and I mean
love again that we fight we caught the early and on this with the message of hope event. We did about nine days ago and now just walking through cause we
you're the pandemic and everything happening. I gets its touch every one like everyone's been affected by it and so to be
to what people through and what to do and the money side of its something that is is
Hiding in- and I love because again we're seeing hope now. Ninety days, ninety days out, it's amazing how much different
tsar. Ninety days later and I'm gonna, we did tell you the truth. We told you this that this too shall pass you're gonna, be ok,
That's what we told you with a message of hope. It's gonna be ok and
it is gonna, be ok, it's not quite over yet for some folks,
over four others than solemn and so forth, but but but the young
We were unable to do with medical side of this equation. Everybody's got opinions on their. I certainly do strong ones, but their opinions.
Medical people? We do, however, we are experts on the financial parts of it and we're gonna walk you through. Ok, what now? What now,
through this event! She, when you go through something like this. You learn something from it. So what now we're gonna teach you it's? What we do in is completely free again text the word:
troll to thirty three, seven, eight, nine! Let your friends! Now let your financial peace groups! No, let your church! No! Let your facebook groups! No! It's fine!
Everyone tune in Thursday June twenty fifth at seven p, M
Megan is weathers in North Carolina High Mega welcomed that ever amnesia.
Are you guys doing great. How can we know good? So I have a question my hand.
Military and he's planning doing courier, ah, which mean that removing every couple years. So my question is: do we write for his potential twenty year, career khazar, bouncing state? Ah, or do we buy and sell, based as it could be anywhere from a year or two to four six, eight years in one place that there's no guarantee to start with a sharp moaning every month for the purchase of a home at some point either when whose career allows member stabilizers location or when he does retire either? One ok but you're, you're verandah, something we work with the military all the time and we have for decades
It is. It is a it there's, a pattern with military peopled, messing up their finances, buying a home in every location that they go to so now you do not buy, with rare exceptions,
If you're moving into an area that the real estate market moves quickly, meaning you can sell the house easily and it goes up in value a lot during the time you're gonna be there, then you can
talk about buying at that point, but normally we tell most military people not to buy gas because, again, usually when you went to plant
rates, and you know hey we're gonna buy is, is five years or more, and the fact that you, don't
You said you know it could be one two, four six we don't now and so costs are just so much mean buying a home. It's wonderful,
just financial purchases you make in your lifetime and having to do that. Uprooting constantly is less stress just to rent, find something great and their money of fresh money to do so because the problem is, we can't sell it because the markets flat where you're leaving you end up with a real property there, and then you go and do it again, and you do it again and the number of times I'll talk to somebody who has been in the military for ten
in years and they ve got five houses or for houses scattered all over from everywhere they laughed and they couldn't salad. So they rented it in
that being the worst kind of long distance landlord landlord by default, cause they couldn't get rid of the house and are scattered all
over it. I blame nation that that this creates a problem now, if you want to do the technical details years, what
If you're looking at an area, you say: ok, we're safe,
Navy and you're moving into San Diego? Well, that's pretty hot market very expensive market, but a very hot real estate market. That's where you might find something. Never you can look at these two statistics with your local real estate endorse local provider.
Number one look at d a whim days on the market in the area you are thinking of buying in and if the average days on the market or to it
seventy that's nine months, then nothin moving there don't buy a house. There is you're not going to get
of it when you move, but if the average days on the market or twenty seven days, I mean
in turn a house in less than a month. Yeah! That's something to consider! The second statistic is: what is the appreciation rate on the homes?
within a five or ten mile radius of where you're talking about buying, and you can get both of these numbers from the real estate agent. So the average appreciation rate is two percent and its US
seventy days on the market, you can't get rid of it and if you
it has gone up enough to even cover your expenses. Will you definitely what
by that market and that's what you're going to find and allow the towns, especially those that are flooded with military family because are put in houses on the market all done, and so
But if you go into an area new say, ok, average placed on the market is twenty seven and the average appreciation
it's ten percent a year. Well, if you're there, three
he's gonna go up. Thirty percent- and you can offload the thing when you move quickly and easily cause it's a hot market, then that's when you consider buying in that market, but
number of military markets that that is true would be less than probably ten or fifteen percent of em and so again to paint which branch the servers you're in all kinds of things will affect all of that. But thank you for your service. Thank you to him
for his service. We really appreciate your Justin is weathers Justin's in California, high Justin. How are you paying Mccall Charlotte's up to here? I have a kind of delimited I'd like your advice, art. So I and thirty years old, saying. Oh no kids know wives. That free and I have a hundred and seventy five thousand dollars and savings so definitely been safer to say the least, and my concern is about you, color in cars in high school and I'm looking at a car. That's twenty one thousand dollars, I'm looking to buy in cash. If the two thousand seventeen Mustang, the only thing is that there has got forty five thousand miles on it. So one I'd like to get your opinion on that and then to do you kind of have a baseline for how much if somebody savings should go to a car
in cash. Now I just tell folks not to talk more than about half their annual income in all the things that they own with motors and wheels. So all the things you with motors on wheels, which of you don't own anything but that one car it would be that one car. Ok, now what your income, a hundred thousand Loca, show that
that this fits easily within that. Do your conservative guy you're a savour you're? Looking at a used car, you make a hundred thousand dollars a year. You look at a good use car a coup car. I bought a car yet guided me once you like inflated C4 of the files of the cost of it. Look at that, but I mean that's not that many miles or Mustang on mustangs of solid product for building a good product, your fine, unless it's been ragout, some some teenager been driving it and her burden the wheels off after someone knows that isn't the first time this
owner of the car he's pretty much like thirty five years old, you ve gotten the carved unhealthy highland miles. All your fine badass him! I don't know! I don't know if that's what the cars worth or not. You not looked at up, I'm not an expert on Mustang values, but mustangs great car, again forge boma good product. I wouldn't worry about that mileage at all. I think about car maplike stress sincere, get absolutely threshold
forgotten, bothers our gatherings. Heavenly retro crews. This hour here on the neighbouring show remember Thursday,
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Transcript generated on 2020-07-19.