From the headquarters of rambling solution broadcasting for the dollar car rental studios. It's that day, Ramsay Show were dead, is dumb cages. Mortgage has taken the place of the Bmw, simple choice and they ran through your hopes. Thank you for joining us America. It's a free call anywhere in North America, AAA eight to five five, two to five, that's triple eight, eight to five. Five, too five. Chris organ rams, your personality number one by showing author is my co host, today here on the more

is in Minnesota the start of this, our high Morgan. How are you. Andrew Unwell Dave. Didn't you to increase their total honoured to be speaking with you now you're too, sir. How can we hope so the question I I mean I'm twenty nine years old, my wife is twenty. Five year two kids, we are both full time: college students, she studying nursing, I'm studying geology and we, very in stable incomes and wages, I have a couple months ago us or trying to cash flow all of our school. My schools or from the g I go, were having trouble creating a budget when this month we might bring in thirty five hundred next month we might bring in fifteen hundred good and you got stipend as well right, correct and that's twelve hundred,

it's about twelve hundred buddy changes depending on the semester and whether classes are offered online are now mandated online. So you doesn't work and much I'm staying home, would like that. You, kids for child care and my wife is working as I see it. A ok and you're, not working at all. I do some online work for the age bout, a thousand there's a month. Will you got twelve hundred coming from the government and the thousand is too is twice two hundred so may your minimum is probably higher than you outlined originally, when you start talking about this tomorrow, the only course familiar wrong is in between classes, so in summer semester ends and far begin. There's an entire month that I dont get that housing. Staggered! Ok,

but, unfortunately, on the work of her three weeks, so you'll be working more ok, so anyway, here's the thing you Your budget on the minimum that you can exist on and you ve got, figure out a way to bring that in every month. Ok, the minimum existence as food, shelter, clothing, transportation utilities, maybe formula right. The men among you can exist on and then of that when you make money, you ve got a prioritized spending list of things, we'd like to do things we need to do but are not absolutely necessary for survival. And that list of what is them? If you want you break your basic budget year, four walls, then what's the net, thing. And then I want to do that. What's the next thing and you a list of as the money does that any keep that only yellow pad. If you want, then you can roll it into your every dollar budget. Chris. What are you

We can add an and Morgan here's the reality because of the inconsistency it's gonna require more structure that you ve ever had before, and and so in that mindset, whenever there is opportunity to be able to earn extra or to work, that's the thing you're doing, but what date? showed your set your baseline of knowing exactly what has to be taken care of. So any that comes over and above We're setting that after the side, because we know we're gonna, need it eventually, especially combat month where you don't you have the gap, sir, times one was having trouble budgeting because of an inconsistent income, what they really mean: you're, not making mightily eat on. As you may need to adjust you're your ability to earn between the two of you for a period of just for just to get through these two degrees because are you gonna have enough to eat on, but if I may Fiona irregular income, the total three hundred thousand a year, you wouldn't ever call me not the irregular mortgage killing you it's the lack of right and you get down

oh the line of necessity on a couple of these months, any you know you're in a hole We have a plan for that whole and don't have my setback for that whole then you ve real mass, that's that's the that's the pinch that your feeling so lay it out, go: ok, here's our rent, here's car gas, here's lights and water right, here's food food! She her clothing transportation utilities in the worst possible month. We can barely exist on X, right, and do you know the numbers you gave me, then they should be under fifteen hundred bucks within. You gave him cause you. Can you can pretty well scratch together hundred on almost every month, she's a sea and ay. Does you ve got some online stuff right and you know I don't get this type in one month. You should be abolished together enough to get by that horrible month, but then bigger months where you ve got more than enough, then you work, your prowess

how spending list- and you can do it with the every dollar budget law, work out right there in it. It's designed to help you do that and you just updated Knob Data is all you do. It leaves is whether Saint Paul high Elise how're you doing Chris I'm doing well hurry a great. How can we help well here's my question under the threat of an hour and a half. And I'm home with our young scientists and he's he's such a hard worker. He is very dedicated and he has all of these gifts in instincts tat. I just believe, he's working sort of an entry level position right now, but I I just believe he's men Vienna, a manager or coach or training role and he's insecure about the idea of stepping into something like that So I'm just wondering: how can I be a cheerily

billion courage to step in that direction. Ok, so the key has insecurity, but you strongly believe he's capable that what you say and what can I do? I get it Ok, you look at it. What do you think he's insecure about? Is the lack of experience or the lack of skill. Its oil act of experience has his college to college degree and experiences and the different field without his common risk. Is that a day what likely overlook him and hire someone else with more experience and managerial training router it's what I do is

As you said out, and you talk with them- began to talk about their career path, talk about the trajectory, the goals and dreams you guys have for yourselves, but also your family. Do you have any kid jet meeting we ever found out about a year and a half decades? We got a year and a half, and so you know it's a matter of looking at this in it if its helping him with us evidence. That's one thing: if its help in him growers skill said: that's gonna be another. Where he's gotta be a little bit more intentional to go after what?

where that is that's missing in his life. He might need to connect with a mentor that might at least be and encourage a thing for you to do if there's a successful business person or leader in your church or in your friend group for him just to go to coffee weapon begin to talk about his bath at one of the things as this any time you ve never done something, no matter what it is, if you're not a little bit scared doing it in secure doing it than that makes you a fool. Shall the first time you drive a car for some IRAN, a bike the first time you do anything this brand new to you it's. It should be a little sky, oh yeah! That's normal and charges talk there through with him, and so I do believe in you. But you know you, I guess wraps you gotta jumper. There give it a shot and that's how you start to get a feel for that and getting something some men in his corner, one off such commitment towards, or maybe even a low Babo study group of Gaza that are doing things and little encouragement

about a push some but he's out and asked. I know that this is Ramses people The country are discovering a faith based and budget friendly way of meeting health care costs through a christian healthcare ministries. Christian healthcare, ministries or c h is a non profit organization than helps members Perry, one another's burdens with healthcare expenses, and they have successfully shared each other's medical bills for nearly forty years c c. H is right for you by visiting C H, ministries, Don C h is proud, Sponsor of Dave, Ramsay LIVE and thence.

Today on the air empty personality, Chris Open one best selling offer so Chris twenty five, ago was February nineteenth. That's what it feels like feels like a minor do as they like. A couple of decades have happened since February US and stock market on February nineteenth, with the Essen P, five hundred closed at I record high on February nineteen, the economy was booming, the children were shining twenty twenty, it started off to be by and large an incredibly good year enter covert, enter porn, fear fear per annum. Murphy people so afraid that it's like their addicted to poor therein. Holmes huddled and sheltering forty.

Million people lost their jobs, the stock market, dives the DOW was it. Almost thirty thousand it goes down below twenty thousand lost a third of its position. People are calling on like they always do in the middle of a crisis screaming carrying on that they're about to lose all their money. I'm scared on Poland, all my money on the market, I'm not I believe, oh my god, oh my god. Oh my god, I do remember Dave weight as the entire month of March and April, yes months of March and April, trying to convince people, do not cash in their money. The refugee personalities did four hundred and fifty eight media reactions or do much birthright and the primary message was stay. Calm, don't pull your investments? That's exactly right! The return of things were bad, very scary. Those tough.

And we tell him to stay. True, follow the process we ve been here for this to shall pass. This too shall pass. We ve been here before we don't get hurt on rollercoaster and you don't jump off in another at that's right, we'd. We went back and talked about not eleven talked about the Sars epidemic, those seven dough, nine depressed some recession. Why to care? Why do we? We gave him history lack Monday, nineteen eighty seven the day Is that the stock market fell and the people were screaming and carrying that's right and we try to shame them we're right, one of them during the time that they were the most scared but just calm down, and I don't take your money out, because if you saw what the bottom you're gonna feel stupid when this recovers and it's gonna recover it's gonna recover. This fall. We did that's what, now you can go back and pull the podcast David Andrews said, and I will be back in the fall. That's right and you're gonna feel stupid. If you took your money, I remember you say in it. What have you found out?

seem to know something lower sooner, but look inside Marduk onwards. I know something como Ashen peak just at a record erasing all of the last pandemic losses five hundred capture a furious. Fifty one point: five rally that began in late March, and a new record today recovering over one, percent of any losses that it lost during the pandemic since February Nineteenth Chauffeur from February

tenth down into March and the light March at Dover and over and over and over and over and by today- and it's not even fall, not one hundred percent recovered so far. Will it go down again? Did s yeah sure will through when I go up again? Yes, it changes in living in council, and this is where investing comes in its weight unites, requires being a grown up and not a crying little sucking your thermal kindergartner in the corner. That's ok, you're kindergartners, not ok, for an adult at work, no you're right- and this thing you have got to have a vision where is no vision. The people perish, you ve got to look out in the future and you ve got to say, is the pandemic or why to Kay or non one more non one one recovered and fifty seven days haven't count

Number of days yet, but from the bottom of this, probably not far off about fifty something days, maybe sixty something days and I'll have to go back and look at when the bottom was, but that's about what it was I fear? I want you folks listening to remember how tight your throat was, how your stuff was half way up into your chest- how your heart was beating. How checking your forum. One k balances every morning, luckier checking covert cases and, like you were looking for. For NATO to come at your house, you look in the either channel at the number of covert cases in your state. The number of cases in your county and ear. Looking at your stock market go down and you are addicted to fear because that's what you were sold for, lack of asian people perish and

I'm not I'm not making fun of him to Santa told you so, and so you ve got to learn these lessons. Part of maturity is being able look past. What's going on and take what looks like a disaster and say it is temporary us, it is temporary its temporary. It is temporary. It could take two years to come.

It could take two months to come back, but will the pandemic completely destroy the? U S. Economy is the logical, critical thinking, skill you have to develop new. Well, it didn't it's a hundred percent. Back as of Tuesday, the Essen P five hundred closes at a record erasing last of pandemic losses, Wall Street Cloud back the last of the historic frenzied losses unleashed by the corona virus as the ESA. Ninety five hundred closed at an all time, high Tuesday, the benchmark index notched up a modest point. Two percent gained a bit his previous record high, set on February nineteenth before the pandemic, shut down businesses around the world and knocked economies to into their worst recessions. In decades,. That's an overstatement, it's not the worst recession in decades. It might be one of the shortest relations in decades, but it's not the worst. A worse one is one that goes on and on and on and on and on and on and on Mount we lost

We may in jobs twenty May in a majority back to work and some What our back to work, don't wanna, be four different, right now, you're, as everyone knows about the amount of money by not working Riah and child, got the government interference in our economy and usually what happened with that show guys. There are low and to be learned and these kinds of things, their spiritual, their emotional lessons, their financial lessons, their wealth building, lessons and you ve gotta, start looking at staffing go really. Where are we to day deal and we kept saying or wish? I was Doktor John Lunch at facts. Are your friends? You do not, you do not make good decisions when you're drunk and when you're afraid. Well, it's really important to remind yourself if you look at this and see this article and to hear this ended, know it, and I think you know, Lessons that we go through, we get a chance to learn from them and when you apply was them. It becomes knowledge right at an inn, some for yourself, but just hear this

their standard and then started, and understanding this process of investing of what's going on but for goodness sake, snow, on the media, to give you your reality, you ve gotta, keep your on the poles who know what's going on the reality was a start market was going down, but that the what media was telling you was that the world's coming to an end chicken little is here the I am against going to ravage the planet. It is Allah, everyone's going to die, two million people are going to die, don't each math and medical, apparently no so there we go out you just it. Just the whole thing is in her, while I'm so happy that these companies have recovered, because that means the job The coming back- and I mean the folks at need a job and want a job in Rwanda. Worker gonna have a place where they have a place to go yet once they get out of their home right,

And watch their economy starts to open up and so forth. I'm still I'm in such a bubble, because we ve been back to work here with a thousand I wish in this building months we were off for about. We were off, we were working from home for about five weeks and since then we ve all been back. Not a positive case in the building since July. The nineteenth- and how about a month now not a single positive case out of a thousand people? We had seventeen from one point: seven percent God the Covert, flew by at one time or another, zero deaths. We're all at work and work world each other every day there are cafe, is open and we're not being lately recklessly. Nonetheless, you do it by some of your standard. True, some of you ever loved your home, yet so

and yes, I am making fun of you- shall it's time to come out of your cake if this time, what are your guy from this is that I am sure binding A pair of sunglasses on a budget is difficult. Very there too expensive. They don't hold up. But recently I got a great pair of sunglasses from a company called shady raise. They are a game. Changer shady raise offers premium, sunglasses that protect your eyes and are completely affordable. I'm talking the best overall value in sunglasses plus they also replace you shades with a brand new pair if you lose our break them and other than all the time right. Now you get fifty percent off two or more pairs at shady raise dot com with the promo code, Ramsay Shady raise dot com code, Ramsay

of course get real. Some of your getting close up baby step forward. You start investing in you're freaking out. As you know, you're no say fifteen percent of your income for retirement, but you don't know how to do it. You don't know investing shame in their long learning about. Something new is always a process, and that's why you to have someone that has the heart of a teacher in your corner teaching you we do not recommend financial people who tell you what to do and you do blindly without learning you're supposed to learn what to do. The trick is to work with it. Investing professional like a smart vesture pro, I can answer your questions and English. Don't sound like Charlie Brown, Tee however, because when it comes to him resting you, gotta know what you're doing and then like we're just talking, at last segment, something like a pandemic or a downturn in the economy

whatever reason happens. Then you're not freaking out, because you actually know a little bit. The history, the stock market- and you know it comes up- and you know it goes down and you really expect it unexpected direct trajectory through the roof. Nothing does that and the stock market certainly does so don't freak out about baby stuff, just began the process of learning and find some more the heart of a teacher, Godaddy, Ramsay, dot com, slash Smart Vesture find a smart vesture pro in your No one is whether such Riverside California, high Nolan, welcome today. Ramsay show how can Crusoe gonna help. I believe- and I am of course thinking for kick my car. I just had a typical question in a vice, if you guys can help me out. Dr ok, so I'm gonna finish up college next year saw one your love within me programming

once I'm gonna die, be about only eight thousand in debt. I'm thinking everything home all my stood alone. Do not be too only bear our have now just curious. What's the best way, I can do once a graduate said quickly any effectively pay it off Well, no one! I would tell you this body that the best way is to go ahead, start to really look at it, identify it and then as graduate and you start working. You wanna keep expenses down very low. Through all extra money. The attack in these debts, using what we call the debt snowball serenity. Small is the biggest keep in life I'll down, make a minimal payments on everything, but the small one and through an extra money at it. That's that's! You're gonna: do that not scream,

living with it. This is attacking and getting very serious unintentional like like, if you don't get it done that year, somebody's gonna have right, like you, gotta real fast down like a great intensity, focus and intensity and then working them. All smallest, two largest, is the secret of how we ve led literally tens of millions of people throughout and Dave. Forget. We were just on together just a couple a week ago and we talk to to medical care to doctors that they paid for it paid cash for medical school, so you know an attack the student loans at over two hundred thousand and got about their lives. So I wanna hear people tell me you can do tell me you won't, but don't tell me you can't, because you can still not on the trick, is don't go by a bunch of staff. Don't raise your lifestyle, keep keep living like a car student, unless you get a job making sixty and you put twenty four sixty a year. That's two thousand dollars a month on your forty eight you're done into year, PAM, just like that

should in the nose and market as fast as you possibly can? in Portland, Oregon hygiene. Welcome that I've Ramsay show hey Dave. So I'm not a coin because me, an together for two years my went to school years, but unfortunately with those we keep couldn't really make up of mine what he wanted to do. Now he is worth a thousand dollars stood on that. That also took out another fifty thousand, an apparent left alone. So right now my boyfriend beloved by condo I'm not sure When ever gonna be able to do that. He now works the ink and thirty three thousand dollars a year I don't know,

after job and turnover out what I wanna do still if I go back to school you know, I'm gonna have probably take out loans as well at all. Just don't want to do that? You know I have saved up seventy thousand dollars. They are right. Ok I'll you I shall let's stop a second guy. Are you Are you guys planning to get married soon, Well, hello, Charlie. I could just show by the way you started answering the question. So if you're not, To get marriage and you do not bind us together. Very, very dangerous for you to own a house with your roommate. Room right up and leave. I agree husband up and leaves the cordial making pay for the house, not your roommate.

And so very unwise relations very unwise, Financially, very unwise legally to buy a house with a guy. Your shaken up with it put you in a very vulnerable position. And so until you're married quit. Looking at your lives through the lens of we because you're not a away yet you're, just at your interesting, dating couple, ok

and you don't own. You legally do not own anything together. You'd legally have not combined anything, and so you have to work on your career path in your debts and he needs to work on his career path in his debts. If you're getting married once you're married, then we'll talk about combining these goals and combining the ownership in the House but Jane limit. I heard here's what I've run into for thirty years of doing what I do that a number of times stuff, like this happen, a shack up couple Baasa House together their partners from a legal standpoint. There is no partnership agreement because they were playing house. Acting like they were married, but they didn't have the legal benefits of having been married. He gets killed in a car wreck. Now you own a house with his mother, because not the air. You have no legal standing in this situation whatsoever unless there is a will and in which

there's not than his air would be his parents, and so now You in his mommy our partners in a house This is a recipe for a life that sucks the ivory. And this was the Canada happens or he gets disabled or something happens to you and he has to do with your mother. I don't know what it is, or maybe it's the Father. I don't know- or maybe it's a crazy brother, which is the only air I don't know, but you there's crazy and screwed up stuff in every family and you get to play with all that as a partner northward you instead of as a girl thanks. I showed you Take your seventeen thousand dollars and decide what you're gonna do with your life and get about your business of living airline. That's right and listen! Don't just fall to school, as the next thing to do is have let go you, U Camp and too many people have done that, and we got young people that have signed arguments, they don't understand for payments, they can't afford. So you start to think about what you're going to do what it is. You want to do as you work and I'm proud of you. For Heaven's,

more money set aside. Be intentional! Don't let that We do not need student loans, no got a field of study and applies to study. That is consistent with what wanna? Do it's not a fall back? It's not! The next thing to do, for its intentional series of actions are gonna. Take you to successful living. You can't know one wanders accidently into wealth. No one wanders accidently into high quality relationships. No one! Wanders accidently into success. That's right! They never interview the guy, the of the super bongo. How that happen? because our motives of the Bush now TAT s not what had about this. It's a series of intentional acts that cause people to win at things and so Jean, what's missing out of all the different parts of this with your boyfriend an apparent plus loans and the forty seven thousand dollars in eight years in school. There's no intentional! he's wandering around chases tale. Said. I don't know what I'm gonna. Do you guys

We need to sit down and start think about individually and or together right, we're Mary. This can be the life we live, we're going to pursue these careers, solution. Things really stand some things up and knock things now, and you're, not gonna, wander into happiness, it's not gonna work wander into a level of success, a level of a level of, and for God's sake don't buy house was somewhat you're. Not married to this. Is that ever amnesia

our structure that I proverbs nineteen twenty one. Many are the plans in the mind of a man, but it is most of the Lord that will stand Robert Waterman said? Organizations exist only for one purpose to help people reach ends to gather that they couldn't achieve individually on Ashley's Witherspoon Payment, big kingdom to New York, I actually how're you dive. A crucial great. How can we help the question for me on a MAC set out. What, for I want my kitchen? commissioner, my I just I don't you- to go into a wrong because back to a lost my next day saving for a time and was better plane, you could give me

backdoor Ross. Also, Madame every year in all of the issues you open up an after attacks IRA and then instantaneously, raw led into a raw there's? No tax consequences whatsoever cause you're, not tax sheltering my start with and so on, and on and I did I'm that out every year with my wife and I both sought Money, obviously, romanian just do the six thousand seven thousand dollars. If you, if you are fifty years old or older, Are we put fourteen year in China do doing there? That's the odds, it's nice to do this, you can do is to have any self employed income. People are doing business upon a business along with my yeah, probably income, and it's not pay Yet she owes me money alone, but that might please not paying me forget what the projection not now requires a pang alone back first the open sky like a bank line first and then it'll pay me.

Back in Wales, freeway partnership, which was split profits. That point, I would take a portion, let let's say, make up an umbrella? Show your portion wants to bank loans. Done is forty, two thousand bucks takes others, repayment of your alone and some of it as income, and then you can take income as self employed income and do a sap on it. To return on an income, and so you could do it prevention plan that get some more sheltered. If you wanted to show more sheltered yoke your loan repaid slower but you'll, be able to end asked more over a longer period of time by but twisting that in doing so. Charging the business woman. I pulled this money out. My yeah I'd. Ask you if you like a gap, so I'm chosen a business backwards. Charging many sided gonna be like yeah we'll be back toward ETA. Would we put on the box near looking at my time comes, but is still the best path forward. Based on that now

you can repay the loan and then do take em come off the business. I was original point either ones fine. I didn't realize you had an actual dad. I thought you had alone that beyond attitude, but now you got dead outstanding someone a clear up that debt before I do any absolute seriously, because its use in your home right, you use largest monetary. I said for this, and so don't don't down that he lock get you a fixed rate loan guarantee a fifteen year fix, get thing out of your life or get paid off, and they let the business pay you back. That's where you don't have to have the obstinate in corresponding debt write. That would be my first go before the new additional sheltered income Kyle, isn't Billings Montana High Kyle how're you good area than I deserve, what's up, I've been looking for a lumberyard about fifteen years now, have they been around about thirty years and just recently they have offered to For me, the boat people, something

not to worry about being able to make the business run and be profitable from it, but the down for it is where were really struggling with a three to four. Companies are working through You know, you're gonna want ten percent down I guess we're I'm struggling as I have a profit sharing through the company that wanted so little belong and I'll be able to get kind of money out of bed. Then all I could take there I come my house, but I guess I don't know how that for to get a down payment ok, when you say three to four may not come you mean us, your top long gross will that's what it's gonna caught that could have in common Am I to out of it? So what's in that progress on this business annually,. It can be anywhere from seven to eight hundred thousand. That's pretty hefty price

I am in a way that they are willing to work with us are actually the leaf. The property is half the cost of the whole. And they're. Gonna leave us to buy leave at that price, for a long time. We need to tell you get the other lump it up by women happy down payment. We do not have the funds noticing. How much is in your profit, sharing. I heard about eighty five thousand and ok, I would structures, are still differently or I would walk away. I know this has been a dream of yours, but I don't want your dream to become a nightmare. I do not run counter to people who have enjoyable experiences with us, be a lunch. I run into people who have horror stories with us, be I love your leveraging into this number one hour break this apart into a piece of real estate that you

leasing with an option to buy at a set price a ten year, Liza with the right to buy it for Ex May in me into whatever they may involve any time during that ten years, so that gets than off the bought books. Now we got a million and a half purchase price on something this netting seven hundred k. Now we ve got a good deal. The sugar, boundless business, ok, yeah, and what I would do is set. What are you may What's your salary about fifty three thousand, I would tell the owners I will run this business for sixty thousand dollars a year and give you one hundred percent of the profits above that until we reach a million and a half. You do not get all their money, a hundred percent or money into or so years. If you told me correctly right right

Don't need to get a raise. You ve been living on fifty three, you put zero data. You have zero dad. If there's really row profit. Did you understand right? They get one hundred percent of the profits. Let's just pretend a pandemic here and they quit cell. Lumber like something like that could ever happen there and you ve got an s ba alone and you got payments in your houses and foreclosure new businesses and for closure and the land that the business sits owners and for closure, because you got the SBA which is the DMZ of small business running down your back. Right. Believe me: can you tell him thirty years I've worked with people in that situation. Can you feel it in my boy, yeah, yeah Why don't? We don't want tat my brother, so now, here We don't get in to two and a half years you on the business, free and clear in my scenario, if it does what it supposed to do, if it makes a kind of money, you think it's making. Ok and then guess what to two and a half years later, five years

the plan you now on the real estate free unclear cause you option: did it a million and a half year and you write a check and pay cash for it because you saved up because you continue to live on sixty two hundred thousand larger and put in the bank and get this done now, eight years from today, Six years from today, you own a piece of real estate worth a mile and a half in Yonah Business cash falling seventeen thousand- and you have no doubt at all dude You think you're gonna be well now. I think you're gonna be wealthy, now huh yeah or you get dragged, but this crap for the next twenty years. Screwing around with the SBA go with option a veto. And here's the thing buddy you sitting with owners and really have an eye, a real life precision you guys go into dinner, sit down talk about this thing, give you all the money I ever touched. You know that

not the scenario. I was thinkin, but that's brilliant course. It is. Kyle. Let me go back to where we get but having a real conversation in and also a real negotiation as it gets here. You need to see the books you need to the numbers, and this is all things that would be drawn up in a legal process, but this is a beautiful are offer you my for amateur what, when they start getting one hundred percent profit of acts. All of a sudden, I start telling you the truth about the profits yeah. There is generation. There is no As you know, we pay taxes on this, but the real numbers you this, which always comes up in a small business soil which major just full a crab. That's what that means get to what the real numbers aren't you get their real fast if they're getting their portion out of that and don't get paid other watch very gay man. You go get that business, it's a great, business but dont, do it the culture, your whole life, it ain't worth in

at this hour that I Ramses showing the bugs thanks Curse, Hogan. Thank you, Sir James Childs, and go it annual job. This is the day. Ramsay show will be back with you before. You know it in the meantime. Remember, there's ultimately only one way to financial bees and that's all dealing with the prince of pigs crises, This is James Childs producer of the Dave Ramsey show you can listen to Dave Rachel Cruze Chris Hogan for the rest of the Ramsey network, anywhere with the Ramsey network, app on your smartphone catch, all of our full shows browse by topic, or send clips to your friends to the app store and download the app you're in a rut and living life just going through the motions, build confidence in yourself and learn to trust, the God who created you check out the Christie Right show where Christie inspires you to break through your limitations and create the life your proud to live, pale,

Christy right. You know it so easy to feel stuck. You live life just going through the motions, doing dishes, doing laundry carpool lines and a whole list of commitments that bring new no joy. We live like that. That's why I want you to check out the Christie right. So each episode will help you felt competence in yourself and the God that created there more from the room she worked, including Christie Right, should review Lucian applaud catch hate aims producer of the Dave Ramsay show this