From the headquarters solutions broadcasting from the dollar car rental studios, it's that day, rammed Felicia were debtors, DOM casual gaming and pay it off old mortgage has taken the place of the Bmw status symbol of choice that they only around your personality number one best, selling author of the book debt free degree is my co host today on the diagram show, Ashley is going to start as office, our intimacy, I actually our young. I don't think he submitted my car sure what's up

Well my husband and I are making a decision on meetings and help to make a decision quick background. We move to Franklin last year have, with you haven't, looked about thirteen years. He was in the military and we moved away driven back. We purchased a home, we thought we could afford. Basically struggling looking at a furlough, he applies for dealt airlines And I have taken a pay kite women moved here to work remotely from harmful and making, out thirty thousand a year he making about one twenty year right now they have him on reduce pay just trying to figure out. Please me trying to figure out where I guess what were the chip will fall in the next month, so we have acquired over the past couple years about seventy thousand dollars worth of that the home, that we purchase, turns

of a lot more work is about six acres and we have we do have some animals. It got four horses in two dogs it has required a lot more work and a lot more money than we expected. Even though we did budget for certain things. And we are facing a decision about potentially moving to California. Away from our family, which we just move back to you a daughter, his fifteen months old, but out California. He would have gone back up plan. I have would return to my old salary of about eighty thousand dollars and he would have an opportunity to make what he's making Adele and then some so about one sixty and living expenses would actually decrease out there as well. We not at all. Email, I dont random, California,

when they creation over the varlet. Your live on that you gotta say all, but they dont decrease over Franklin Drowsy. Well, so that set out for out there would be. I would look. We live on the property of my former. I walked around. I worked out there in the resource industry, the property We would be living on would only have our ran to about five thousand dollars by and then our horses would board They are at my work, so those are two major costs and for those with decrease allowing a lot more work of women are budget out there. So ass happy ass, they have. You are actually set down a written down the budget as far they compare behalf too each other and how much of that aid might wonder how long it saving on about six thousand dollars a month. I think the arm. The problem as you presented two options, both

now staying where you are is ridiculous. In the situation, Ariane, you overboard, you got you look on more than you can handle on your plate, your emotionally drained by this property and financially drain by their property, and that was all exposed by his furlough. It was already occurring, but it was exposed and heightened highlighted by the furlough, but you wanted to be near your family and you left California yeah, ok, so I am, I think, there's a third option or fourth option or FIFA or sixth option. Look, I mean just going back to where you came from that didn't work, so you left. It is about option staying where you are in a situation, is about option. So, ok, here's what I heard and you

Take this for whatever you want to use it for ok, I think you got a property that you over bought by double and I think it's absolutely wasn't asinine purchase and has something to do with her and your love for them and I think, If I'm in your shoes, I'm gonna if I want my fifteen year old to be near their grandparents and the quorum. Of life and the situation of the community that you're an and move into a property that one third of what you paid this in your immediate area, and you can do that cause. You bought some stink, inexpensive, real estate. Did I miss something. You know that you're a hundred percent right now, here's the hard won. No not gonna have room for any little animals, part in it

But this is, of course, where you choose where you're going to raise your fifteen month old weather or whether you have horses, because these horses are killing you mathematically, because your ear Europe Europe making all of your plans around where horses live in this whole discussion. In both cases you made a bad purchase, ear talking about making a bad decision to go back to California, because in both cases there is a place for a horse, and that sounds really harsh, because the horse person, and I understand that. But I understand you, I think You get to the end of your life. You're gonna be a lot more concerned with where you raised your kid, then what not you had horses and arm in this stage of your life for sure So if I were in your shoes, I would consider a possible third option: others, and you can look at others if you dont, like mine, I'm fine a year, and I know you got to do what you want do, but it would be so

property and all those animals. And stay in the area that is half the cost and let's get delta airline. Back up and flying which we all it's just a matter of wine and it's not two years, it's it's not two months. Probably, but it's not two years: let's get them up and flying? Unless remember why you came here and you just the way you did it, Good thing the wrong way when you came to Franklin and you overboard, and you took on too much responsibility, and then you had a baby. So that's why I heard your saying now: you do you want to do and be mad at me.

Are you mad at me? I'm trying to love! You well and just tell you the truth so, but you got to decide cuz, I'm it's not my horses. If you told me I had to sell my dog I'd have to think about it, a lot cuz. I love my dog, but but not choose my dog over my fifteen month old and he better not growl at one of my grandkids again. If he wants to live meanwhile, should soon. I looked him of this. Can take you out boy, you know I can t so arm, but yeah. That's. You know that that is a dog love model. Where did not my grandkids non Muslim are going and so you- you just gotta layer, ok, what are our families priorities and Where do we want to live? Where do we want to make our life in proximity to family with fifteen month old, and where do we want make our life and then later on? As you rebuild wealth, maybe you add some of these things back? Maybe you ve got

seven year old, and you become millionaires six years from now and you can afford them up in property or by a piece of property that gives your room to have horses again at that point, but the care and feed of a very large four legged. Animals is expensive, Shelley's. They are expansive hobby and at best to their expense. So again, I know you love them and I up and all over your toes, but just want good things for you hunt and I think of it from option. This is that I am sure no one What time of year it is focusing on your family's financial plan is always a smart move,

questions all the time about where to start and want to do first getting term life insurance needs to be a top priority. I recommend to the twelve times your income and generates for fifteen or twenty years. This gives you plenty of. To get out of that and bill wealth. I've been commanding Zander Insurance for over twenty years. They are. Stand and live the strategy and will take the time to help you find the most affordable term life rights, gotta, Zander, dot, com or call eight hundred three five, six, forty to eighty two mobile phones, the shower this, is the Dave. Ramsay show my collage today on the air, Anthony O Neill Ramsay Personality, you jump in

about your life and your money show Anthony one of the things I wrote about in the very first book. Financial provision has been talked about in a lot of different ways. The almost thirty years since that book was written. Is the the idea that we just keep acquiring things would keep consuming things and two were completely overwhelmed, not only by the things but by the debt. That's associate. Wear them in this idea that, if I just if I get that I'll be happy, forget that'll be happy. Forget that I'll be happy. If I get be happy. If I get that I'll be happy and we'd only Marilla we're doing, we don't think of ourselves when I was doing it? I don't think of myself alarm shallow or I did think of myself of oh I'm a materialist or on the consumer or I worship at the idol of stuff- I didn't think of that, but we all have.

A bit of or a lot of a disease called stuff Idas did we do we do when we really do it's real easy to get caught up in these things, that jingle and the gleam and an even I've done this to. What what the possessions that brought me joy and one time in my life, in a different phase of my didn't bring me joy. They don't, but I kept hold onto emptier to the point that almost end of hate, nor does it make sense. It makes sense if you know it s there still true to myself today, after a Mamma self of that you know it is not the role of nice. Things is not. The Roma won T nice things, but just make sure that that you know

your your priorities in your focus, her life. You know there is a saying that I am always hang out a went to look rich, I wanna be wealthy. Onawandah had the fake ridge, I'm gonna have a true wealth, and so I think, a lot of people we just want to get the nice cars have a nice stuff, and you know how I think, as you move through, and I have had the do this consciously and the best examples of this are our friends, the minimalist yup map and they talk about. Does this bring your joy? Yes and does this item? What fun does it play touched it in a year out of you enjoyed it in a year because what happens as we move on in another phase of our life and the motorcycle that we had before we got married, we don't ride it for three years

it's no longer a part of our life right and the thing still sitting there or the both that we had or the property or the horses them that we had talked about our last collar. I'm not saying it's what happened to her, but it just made me think that that was a possibility and their possible narrative and her situation, but that you know before they had a child. They were really unto the animals and a lot of people. I mean we had one couple. We were broken godly bankruptcy. They gave us their dog because they bought a home and it had two children and then what the dog in the house and waited The little smelters, a great little dog raised, our kids sweet dog and we are praying for a dog, and so we get a free doll. Godson US adults, but they do move past the dog phase in their life and gathered up here and now I M not suggesting thereby gets pass dogma watch on that talk about that.

That's not the point, but the point is there's things in your life. You need to re, evaluate, and we do this in business to around here. We call him sacred cows. Yes, we always that way in the past is not a reason to keep doing it. That way there. If there was a principle that were there's guiding us that we're sticking with that's fine, but this idea than that, Something that brought me joy when I was sixteen is probably not gonna.

Major when I'm thirty six, what took it! You know a day. Man. Did you hear your absolutely right things? Balikh four years ago I grew up saying everyone having a low baton. Backpack- and I said you know what I'm getting. What I got me one and day by will walk around airports like I'm the man, but now I probably have even touched a bag and two years that's it. Have you got to house that face whatever he academic look cool but on my odyssey tables overnight, bagging an online a road to three four days at a time, and I spent all this money for this bag and I cannot really use it either

the plea for my life right now so site, you know a day but give it away to women who will give it away that when you might need to sail offered a name, you said before you said back actually recognised. That name my wife has might have recognised. But you know you do that, there's something about like we're it. I was doing a typing for the minimalist. There are new things with Joshua the day and he was talking about. Ok, what happens when you move? Yes, you go through everything and all that crap that you're not using. Get rid of it, but you don't do that until you move yes and I wonder what there there's a good spiritual it's a good emotionally maturing thing is also financially freeing. There is to say I will cut bade on some stuff, yes M M and on trade it from me and use that money. For my feet,

your rather than my past. I you know I get rid of everything, something's or nostalgic. You wanna keep some items in your life. That's fine! I'm not saying you need to live spot lifestyle or whatever. I am not a minimalist. Ok lovers! I think they're their message is really cool and a bunch of people can learn a lot from them. The idea of contentment- and a simple or life and those your things to us prior to but- I have noticed that when I put too many things all my calendar too many all my budget inn too much stuff around me the more I found the more repairman I have to know. Yes, Sir We been the only benefit as I get lot relationships, repairman and so she's manner. Something always breaking It really is a diagnosis, Minimalist Ashley, Josh and Ryan held right furnish my house, because neither yeah, because there was I any think about despite this stuff, that you need bike.

Wally myself but dont by all the stuff for your house. So when you walk in my house, any team members- I came a mouse o t Dave that if nice, but it's very simple and it is very- went to three shot over decades, not over decorated at all. It is really not issues. Is nice dove, but my liver is not decked out. My bedroom is not date that not only have a dresser RO. I don't have a bed in two chairs and a backpack about out as well. We all have stuff I'd us. In America, meat was a book even written called affluence. The idea that the Florence, the disease of a fluent in other words, is great title books, probably fifteen years old, twenty years old or something but the the concept still is there. And then there are the number of hours of television that we watch is correlated amount of debt. People have

Because the advertisements yes says that these people are blinking and Lincoln right in front of you all what I'm telling you that you need something to be happy there sure I need this to be sexually. I need you to be happy. I need this to be cool. I need this to. You know be caught up honey this to whatever and on you know where the most marketed too. Yes, holter in the history of the world. We talk about that. You do in financial pressure, merging the mercy and on the day, the odd and with that marketing comes the Dat. Guess that overwhelms us from the stuff that we own, as and so under the debt is this disease he's called stuff I'd us. It is it's kind of materialism, but it's not really a shallow was materialism. It's just. I just kept up a bunch of stuff and I never cut loose any of it down and- and it never did for me what I thought I was gonna- do it for real even goes back down to that our cue Pawn shop in Dave people just go, buy stuff, and I don't even yeah

I'm not gonna, say who, but my mom for a better invade, might sound like my mom were well, I mean you have six of these new. You want a year so that you can be sure, so you don't count storage Now the gas should grow, because then I'm not sure where you got a bargain. You still spent money, the I it's a type of hoarding swerving she's listening. I love you and that's, ok, I've seen people do that fill up their basements with bargains this in that way, we think about them. Think about it. She has so glass for three years what scope for three or four three, well nobody's gonna? Be there that's good, that's good!

clean. My dear sir, this is that I rams business leaders make your life easier with fresh books, whether you're starting a business or you been added along time. Fresh books is one of the smartest decisions you will make this year. Fresh books is an accounting software design for people like you that lets you do the things like automate, your invoicing and your online payments plus fresh books saves the average user a hundred and ninety two hours a year on admin tasks. So you get more time to work on your business, try fresh

for thirty days, free, a brush books, dotcom, Slash, Dave, Ramsay, that's fresh books, dotcom, Slash, Dave, Ramsay feels good to see human beings back in the lobby grimly solutions, even if they were here, not all of them, but there a whole bunch of monarchy out here, because a team member is on the debt free stage to do her debt free dream. A NASA Roberts is where this hey. How area and How are you re congratulations. You made it. Yes. Thank you. The t, shirt, I'm dead, freeze and how much paid off. Thirty. Three thousand, in seven hundred and fifty dollars in twenty months good for you well done. So what kind of that was that? It was a cell phone car payment and most of it was stood alone. Smokers

fairly, normal very normal and you're on our team as a copy rider. You been with us well over a year, my notes, size. I shall write about a year and a half Three months of that was as a contractor, ok, cool. Then you are so good contractor. We had to make sure you state. Yes, we're good work! For that. You major you stay there again, good trade, very cool. So how are you I'm twenty five? Ok, and so twenty months you just start all this surgical, schooler Tommy. Story what happen so it started for twenty months. So in two thousand and seventeen I was laid off from my job as that day. I started applying for new jobs and I applied to work here. Ramsay solutions I had heard of you, but I bird dog in found out what you taught so as part of the interview process I started. Reading your books listening to the pack has washing the Youtube

and all marked yeah. I made my first every dollar budget and I did not get the job at first, which is totally fine, because I got on the plan, and that is a huge game to injure for me, because what I thought was gonna be just like a couple months of unemployment. You know Tiggle, it will break and then get back into the workforce wound of being ten months of me only being able to afford to keep my four walls well. I was substituted, Jane, tutoring, doing small things on the side, but it was a challenging time but single month. I made a budget and that kept me on par, paying off or staying up with my payments and things like that than the interview process paid off just a little late to get you a contractor and then following their yearned, joiners Volta have a God had a plan as soon as I started working full time. Salaried again, I knew

actually what to do with my money, I paid up paid off or excuse me started. My thousand dollar emergency funding got that saved in the first month and then from then on it, which is paying off debt, bad girl, your sharp, I'm so glad you're. Here Thank you, MRS Amazing. Very well the very well that show. Did you grow up in a fight way that new about money or a family. They didn't know about money he's yours? I dont want embarrassed villages just change. Likewise, let me say this where most others didn't most families, because most people, money well from most families. Don't have that and you came in not knowing about our staff and then took these tools and use them so your biggest cheerleaders once you started on this and the UN, so I started on this. I would say you were my biggest earlier. I would watch the Youtube chat, all the limited of high costs and hearing we'll get up on the debt for east asian. Do their screams mean that was huge for me, but

There is one person in particular. I really want to call out as a cheerleader. I was living in Clarksville in commuting here it was like an hour and a half so there Three hours of my day gone, it was really have to have a side. Hustle budgeting is really how I was able to pay off so much money so fast, but mutual friend I met a woman named Chris, and she found out that I was trying to get my finances together, trying to path tat She was so generous. Tell me to rent from her. Until my loans are paid off and she charged me less than the average rate in the area and leave. Her generosity was a big part of why I am able to say on this stage today and say that I am to have free were cool, that's a great gift, yeah that's from, and so they kept you from Hamlet along commute. Yes, yes, I moved while coup. Your family shared a chair, you arms, so they been cheerleaders. Yes, they have been leaders as a matter of fact, over quarantine, eleven

a few clause in there all on the plans? Are there not hearing their authors, sidelines they're playing so yeah, all together, very cool, very cool show? Where did you go to school, I went to the University of Kentucky for College and I went to high school in courts, Fellow S, Creek Highschool Roca, very cool. Obviously a very sharp young lady very proud to have you on that. He wrote well done very, very well done good stuff, good stuff. I show your copy rider yet Ramsay you paid off thirty four thousand dollars worth of that. Tell people how they're supposed to do this work, sacred to getting out of that. You gotta decided. This is something that you're gonna do you make up your mind. You stick to the budget and in the first few months of budgeting, when you're not used to it, are super awkward once you have your mind made up that this is what you're gonna. Do you?

Do what it takes to see it through to the end. So just make up your mind, I feel another stopping you know, but can't wait about your all over Europe. You did that she raised a great daughter, should stop she's got a robber out of it and you daddy to well done very, very well done the teams proud of you gotta. Problem. Stand about here, not work and watching you. Do your debt free scream, pretty much any excuse shares just the way it is now that's great. I hereby loves you Then she was ass was do this a few months ago. Yeah and down a memory was all looking forward to this one, because we ve watched her on his journey. I'd. Ask you one question, for you guys want let Dave due to talking. Does we talk by the time I got ass? You don't already up twenty five so to meet. You started journey at twenty three twenty two years out. What would you tell that? Twenty one, twenty two twenty three zero km now to college right now? Why

going. This journey is the best rob honestly, I think about Rachel crews. Had one side like a lot of the time in college we live like were twenty four twenty five years old, we spend money that we don't have and now is the time that were feeling like were struggling. This is the best I am in your life to get your finances together, there is no better time there right. How and that's for anybody of any age group, but don't wait till you're a to income household to take control of your finances. Do it now I think, I'm just gonna let her fill in for me, and you too can do the show. Listen now, down. I am as she does until he died in doubt. Touchdown task is advancing at very well done very well done. Well, I'd give you a copy occurs.

This book, but you probably wrote it resolutely. Road, the coffee riders do a lot of work round here, but she's gonna find it should be seen to suspend Sandro have for their curriculums. Definitely, no doubt no doubt, and we can tell how well, it is very, very well done how hard was s was a tough. It was tat times honestly there are times when I felt like I was down in the middle of it and all I could see we're just more months of paying off that of seeing friends go to inserts in deciding like you know what I could take that money and go to a cancer. I could take that money and put it towards this day, and then I can go to all the concerts. Do what I'm done so? Those worrisome. Decisions by it was well worth it in the end. Now that I'm debt free, I have half my emergency unsaved. I look back at this and think it was worse it- and it was very here-

for me as well, I think, for a young people, a lot of the stuff that gets us into dialogue. Insecurity is trying to make up for our make up our value and the things that we were in the things that we own and for me I confronted a of that in this season. So it's tough at times, but it's worth it short. I had the feeling the way you were telling the story about the room that you were able to rent to get from Chris to get rid of the commute that you would cannot. Your emotional tank was gettin empty you and fight, and but you were, it was a kind of a down moment and her giving you that break gave you the gas. To finish. Did I hear correctly. Yes, it was task as I've been looking for places in the area. I was getting tired. Was working in commuting three hours a day. It was a lot too to take on as a twentysomething, your old, but I would still do it all again

and if its, if the idle out what I'm sayin is to the Christmas out there you be watching for the nieces out there, because you got an opportunity to do one little kindness and you can change, help be a part of the story of their changing the trip Three other lives are donation authority, four thousand paid off at twenty miles, we're sovereign. The Euro. While count it downloads, zero dead breach, grew three two one:

this is the day rams

power structure that Libya to three do nothing from rivalry or conceit, but in humility count, others more significant than yourselves John so says to add value to others. One must first value others. Well continue with the thing started indeed days ago, for I thought we'd never do done it for ninety days, a ninety day, free trial to financial peace, university and the men ship is a year, long membership, of course, but you ve got access to all of the lessons during the fourteen day. Free trial, thus ignited they free drop you day during A few days ago, we started a fourteen day free trial. The realisation that rock show up

retribution. Firstly, almost six million people been through it actually family, so much many more than six million people and This includes the every dollar plus, which is the world's best budgeting, app tied to your bank. The baby steps up all of this- this is the premium product, all of it completely free for a trial for fourteen days, without almost a hundred thousand people Senate. I love it if its a good time, Romania, because after covert been out we'll go, look out and a mass. Never again, I'm never going back here, I'm going figure to do so. Ever again find myself in this situation. So I got news. Ramsay dot, com, slush, F, P, you and you can get the free fourteen days, I'll. If you ve had never again moment if the crisis was your wake up call endemic slap on the economy woke you! but you said I don't wanna be without an emergency plan and I want to be in death. I don't wanna be

control I'm gonna grow up. I'm gonna do what it takes to get my money under control, whether I'm twenty two or sixty two day, Ramsay dot com, slash pay you for a fourteen day retrial James, is whether such North Carolina high James welcomed the diver him Davy Anthony Pye, also much for having made a day sure. What's up so my wife and I have a home in Charlie, and we bought two years ago and they ve been tight if you have moved in more than once, am I am curious. What was if we, the cut losses and made a move back to renting or maybe hold out for a little more. You don't want to stay in Charlotte forever, we'd like to move to different parts of the stage, and I'm looking to do that maybe in two or three years I was just trying to seek some guidance on what's best. We are very much in the middle of it.

That too, and arm I can do this number my dear how much that you have not counting your home. We remaining who house slots at forty thousand and what your car payment none. We paid off all cars. That was the money when we set, I do so the first thing to do. Ok, and so was the forty thousand, and there are ten Kay. Credit card balance. Thirty k is a student loan balance on her London, so much debt of you reduce. Since we started working on the stuff we we decided to do on the same page about a year ago, and so I'd say that hours were How much of an orange year, Greece, Ireland, three thousand in one year oh no one! So I'm thinking Counter year

you said something: ok, white women in the Eu- you ve, been working on this Twelvemonths. Didn't you yes, ok, and how much of it, paid off in debt during that twelve march, so our cars, which are two thousand and we recently started, none that credit card. We brought it down from from two thousand to two thousand and twelve thousand, all ok and your house, come on what it did. Hovered around forty eight k take on pay, and how much is your house, payment or house payment ranges between twenty five percent and thirty percent of our monthly budget? and sir it's about one thousand one hundred and forty eight Kayser take home pay. Yes, I'll, go the other way round.

Now the house was not killing. I dont know why you're more progress in its except you don't you know I mean, I think, probably what I do is try to increase my income temporarily Yes, Sir Ethelred, while another, Russia's Dat, part of that you're discouragement, as you ve not made huge progress on the debt, but the eleventh, thousand Dollar House payment, other three thousand and watch out of four thousand in much Killilea. I probably would try to raise my income, which some sad jobs are some kind of a great site hustle by thousand bucks and see if that doesn't help, you move the needle This basically outline of a thousand dollars a month, unwritten dead and that's gonna. Take you forty months at is ambiguous yapping simply what what? What can you do in asylum cures, whereas some extra hobbes you could do it aside as far as

side, hustle sure. So I like I, have the option to do its work at my current job that is its own different can of worms, I'm actually looking for different work for different reasons: gap. It s, Nest, more hours until talking about, Did you get more hours or they pay? You appear overtime? Oh, yes, are ok, ok, come on we're gonna what they pay. It could be. Hours a day could be a hundred, and thirty three does depend,

If you want to work on your off, they are not something in it. If you can get an extra five hundred to a thousand dollars a month s gonna cut your time in half. That's where I'm China you had so you can get actually hundred dollars a month. S assess ok, but I'm gonna get you two. Five hundred two thousand hours might now you're your basically reduction above our large month now, and if you can, if you get out a thousand about with a shout us or hard bucks a day is ten days of work, ten days of overtime among thudding, an Achilles and so on. What we talk to people about is what I did. What Anthony did as you work like? No one else show that later

you can work like no one else, and so I don't know what the toxic situation is: their workplace and you're looking at changing. But in the meantime, while you're there at work, all the o t, I could get a hundred fifty bucks a day, that'll changing numbers, really fast hundred percent of it going towards death abso, because you're already reducing debt by twelve months, twelve thousand dollars, and so that that's what we need to do is to increase that somehow and that'll changed the numbers, the situation. The house is not killing you, it's not wonderful, but it's not super expensive is not yet two thousand are helping with four thousand or take on pay them a baton. You sell it, but it's not killing Andrews up energies in a high energy right, quick, I'm short on time

Oh hi gave an anthem entering. Thank you so much for taking my car. I'm I'm just wondering how do we get her head and our situation? We went to a few about fifty years ago, with our daughters and their men. Twenties now, there is one area where we on baby steps and what to do next, my husband, a clear change for years about our income dropped in half. It was a good starting up to you in the middle of it. So wondering. What did he used to make here is to make a hundred now makes fifty why's, he not be over three years, was not as shaking jobs, to get back up an income seventy now! Ok, and how much don't I gotcha

we have now got only our house, I'm a hundred and seventeen thousand under house. Now that you have your motion, she found him blush here, will have that this month you're down the working on retirement and getting the house bite off simultaneously with seventy Earl and so that put your baby steps for five six, but I've done count. Kids are grown, so no college needed and on it it sounds like you guys are just gotta, get very, very diligent, very careful with the money that you have coming in and make it work as hard as we can. If you wanna go back through financial patient diversity, is my guest Kelly I'll pick up and help you do that? Ok and we'll get you go, get you back in there and get you got started again. Sometimes you just need to refresher. There's nothing wrong with that of all many thanks rang out today, Dave Ramsay America has been thought good day than that

our thanks to sack Bennet filling in his producer this week with the vacation in James Child, of course carry Daniel our social producer and phone screener, Andy Ramsay. Your hopes will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and national walked daily with the prince of peace Jesus,

Missus James Childs producer of the Dave Rams show on your smart speaker. You can add our skill by saying Alexa opened the Ramsay network skill from there. You can listen to all our shoes Ass day, money questions like how do I invest my money or what is the debt snowball find out? More Dave, Ramsay, dot com, slash nor money, isn't the only then can we talk about around here? Get life. Changing advice on your career from my good friend and career experts can combine all makin 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, it can com and 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.

Conversation on the can com and show hear more from the Ramsay network, including the current common child. Where ever you listened about gas, hates James Pray,. Serve the Dave. Ramsay show this