From other quarters of Wales. You solutions, broadcasting from studios gets that day were amnesia, one that is just part of a more just taken the place of the Bmw status symbol of choice. I M D Ramsay your host. Thank you for joining us. America, open phones, a triple eight, eight to five five, two to five Miko urged on the earth day. Rachel crews rams personality, a number one by showing author a couple of times over body star others, our Wisconsin, high Bonnie. How are you

they ve been Rachel. How are you today great? How can we all question on life insurance, everybody favour topic, My my husband. I each have a whole life insurance policy on shore, my dear the insurance agent and thirty years ago he wrote a policy from my husband when we took only bought her first house. And I had enough insurance from when I was little that my be able for me. So I had enough that through my work, And to my that covered me, so his policy is still in a fact and ten years ago we built a brand new house and at a time we took out a whole. I policy on me words are for the house and I wish I've done that, after listening to you, I wish you had took our term, but we also took out a term policy on my husband that just expired, currently we have two policies and any fact one. I myself and one on, my husband and

the one for my husband now since has been an affair. For so long. The monthly payments is being paid by the interest rate that we on it. That makes sense, and on my policy that has come do now. I pay once a year is a very high price. And because I took it out at a later date. Could I just retired last year, so it very high premium, Margaret heard me, how much money do you all have. We're dead free. We are now much money in your gnostic. Poppy close, two million. Ok and your house's paid off in your kids don't live. How do we paid out last year before I became the major elegant with our eyes were missing too. There has been a return you, yes, he retired is well. Ok, So, let's run out of scenario scenario: number one you die with no life insurance.

He has a million dollars and paid for house. Is he ok? Yes, scenario number two: he dies with no life insurance and your left with a paid for house and a million dollars. Are you ok? Yes, congratulations. You have become self insured. So both of these policies, I should just cancel, and he held my wants now. Generally, yes, my law. Now let me walk you through on his because it's a little bit more confusing but yeah sitting on the situation is, is there's enough cash value that if you in took that cash value out and invested that into a mutual fund, you could buy ten times as much insurance off of the gains from that mutual

and, as you have now so you're, not really getting a good deal. In other words, there is enough money in their that at a very low interest rate they can still be. They can still pay for his low policy. So what's the balance in that thing so the policy itself higher value and closed the policy. What are they gonna? Send you? Fifty thousand broker familiar ever million. Fifty thousand in your invention. No one by the way. If he dies right now, you don't aims at fifty thousand, it's gone exactly. Who can get the key? Only get the insurance, you don't get the cash well, yeah sure you have a savings account right now that is providing you free life insurance, but when you die they keep your fifty thousand dollars and providing for insurance. I e technically shouting

How did you find them is now truly through abides by the UK and the stopping you pay on appear, as I got enough is enough I'll, it's kind of like you, show your got insurance on that you shall two years a couple, but I was a little bit what it's like having yeah so that that is not quite there were, but it's almost that bad, so you have done such a good job millionaire. I'm so proud of you! Well done you guys, you're everyday millionaires started from nothing houses paid forty million dollar mutual funds- and this is the out there is no need in life insurance that goes on forever. Accept your agents need for commission, That's the only thing that goes on forever and life insurance, so I would cancel both of them. If I woke up in your shoes, so there you go now folders climber, I'm in a better situation financially and I started life insurance. Why

I do. I have two million dollars on me or three dollars or mere whatever. It is because of S W. I Sharon wants it. And so that money she would rather me spend that than she would have another diamond and so whatever, but it's a complete. No reason to do it from a financial planning perspective: it's only a gift to my wife just cause. She will want some extra. Money as if she wasn't gonna be more than ok anyway, it's completely illogical, just in case. You know, I'm a bit aggravate s case just in case, but answer maybe not at your age as a cheap, though expansion of term, on only when he's all old ones, just after Gotti just up dollars a few more. Go, and I still was shocked by how cheaper

as an arena where young, just little puppies Murray younger little, probably is forbidden puppies. They dont charge much for, but really that the that the terrible products that whole life, Should it surprises verses which with term how inexpensive it as go term got her life. It's a big for those of you that I've heard this in awhile for what you can spend a hundred dollars. Month, foreign whole life. The same exact face amount that you get when you die, you can buy for five dollars a month. That's how its nine be. Fire is twenty times higher twenty times higher for comfort. Ensure for whole life and what it does then is. It builds up a savings inside of it call cash value that when you die they still, we pay the face value, the savings that you pay extra for all these years. They keep it, and so it is similarly, the payday lender of the middle class.

Car leasing, car fleecing and a whole life life insurance is the middle class payday lender the lottery. The payday lindore gets the poor area town the pawnshops, the rent to own. They get the poor area, tat middle class whole life agent, the cowardly so worse things out there, and so, if you just look around ago water people that have it that have studied in up here, think no one rights, article saying how life is good, no on anywhere in the financial world, except the people is out every one of the rest of us say it's trash And I was only their wants. I don't care what you buy. I endorse a term insurance company in every twenty years, called Zander Insurance, because even term life insurance and go to sure it's not gonna, get you a quick, easy quote and it'll be really you be amazed at cheap. It is like Rachel Munchkin were amazed at it, but I don't I don't money per policy over their Zander

Ok! I don't want any part of that, I'm not in the term insurance business, I'm not the life insurance business, I'll care, what you by various effect, my pocket book. You know what I Just one of those be smart about it and sire. That's the smart thing to do such rules Whole life never buy. In your whole life. We should remember that this is the diversion ok. I got another story for you about the online shopping tool: honey. My team loves it because they love shopping smart with honey. You can stop overpaying on thousands of sites, in fact, Christian on my marketing,

was tat. I may she uses honey every time she shops online and when it finds a deal, usually saved her ten to thirty percent. So listen, oh Papa Day, get honey for free at joint honey, dotcom, Slash Dave, that's join honey, dot, com, Slash Dave, Johnny me on the air today, Ramsay Personality is my co host Rachel crew, open funds, a triple eight eight to five five, two to five. If you ever get to the end of the month- and you have no idea: where are your money went well, it feels like. Renders the money comes and goes right back out. Ears thing: if you want to

control of your money. You have to be the one to tell us what to do, and that means getting on a budget giving every dollar a job. Every single, but the best way to do this with our new Ramsay plus membership. It gives you all of our best money products, including a premium version of our budgeting, app every dollar That's where you make your budget tracker spending clearly in Ramsay Plus, of course, you get financial peace University and, of course, you get the new baby steps Tracker APP and, of course, you get a whole bunch of other things to do a free trial with all of that stuff. A free trial of Ramsay Plus, all you gotta do is text. The word begin to thirty three, seven, eight nine b began to thirty three seven, eight nine Chris is whether such taxes high Chris welcomed that I Ramsay Shop.

How are better than we deserve. How can I help no offers I gotta bade the honour to be on the also love the loveless, maybe all Daniels Financial Bees University in Leather Daniel do for us. Thank you. Then, though, the gotta keep it quickly. Ample, my mom is turning sixty this year? She doesn't have anything saved, no retirement plan. She doesn't make much money, she's on she does have a w to job now where she makes about twenty five and twenty five g a year, and she just this year started. Receiving widow benefits Sixteen hundred month, gotta listen to your is if you have any advice on how my sister and I can kind of help guide, my mom through really get getting onto a budget, and preparing for

retirement when that time comes goes right now try getting her to do the financial Base University. I told her. She loves in Houston, There were about three hours away, not tolerable, for her to do a financial base university down there. If you just go to and others she's gonna like pushing brick wall? You know families, it's a tough, a tougher the ship when it comes to money, because you know as well as her kids, you in your sister pie, realising a well we're gonna, have some of this responsibility, possibly coming up in the future and And I think for me, sitting down with the parents and coming at the perspective of him almost We just really. We went to love you well and talk through what this dynamics and look like Fletcher's fast forward ten years. What are you thinking? Mom like? What are you processing when you're? Seventy, when you're When are you gonna one or retire what's happening because there are

to be. These results and effects that are going to come the place soon for her and she needs that reality. So if you guys had very start conversation like that. Yeah, we were we ve talked about at any time. I've got a visit her or wherever family gathering in our bang. We we talk about it. Now between my sister and I am more my budget budgeting and Gunnar setting up. Retirement in the future. As far as I know, what money and so on I gotta start those conversations we We ve touched on in, but we haven't gone into a into a deep dive, and I'm already mentioned to my mom that point we're gonna have to actually set aside, time to do a deep dive and urban jewels. As far as I know, there are banks they meant and see like where she spending our money jot offender up on a budget, not gonna.

After about you know main are social secure. Hey Jack she's getting right now, sixteen honour the mob, though we need to try to a per monthly budget as close to that, as we can then try to say everything else ass she makes from our w to job. So we haven't had a deep dive into the conversation. Your boy definite talked about it. What does she want? One hour watch our reaction. Why does she not want to address this. Not only that you don't want to address it. It's bad! She has never been. She has never been a budget friendly listen like whenever my dad was still alive He will he would have the basically hide money in Ghana, away money they're gonna, keep her from spinning everything has never been good with money and she recognizes. She has a problem with it, but it's hard for heard actually step and do it you become, I guess,

the boy and where she sat up and make sense gathers, as does one of the ones we are taking, what kind of in an earlier call, people are asking for help forcing them to change, but there I mean, there's comes a point Cresswell. She has to understand and realise that that this, that this age, coming, I mean like she's, coming to a point where she's I can't even work and she doesn't know worker entire life. You ve just got to say how rough you wanna get with us. I mean how tough you wanna get honour because it sounds like it's gonna take a you and your sister hurting her feelings. Get though, to her, because she is so deep in denial and she's just coasted along it out loud that her whole life and so she's, never ever it.

Fifty one years old had to grow up and had to say there's a finite number of dollars here and I'm going to have to act like I'm in control of it. No one has ever called her on her crap, and so you know it's almost like an intervention with a drunk or something so I You know, I dont know how to do that other than you and your sister getting personally fist early in the same location, where they're looking across the table and basically ah turning up the heat. Being progressively nastier until she finally years you and breaks down and admit she needs help and is willing to do whatever it takes. And then you, then you can put your arms around her lover and walk weather and help or get the help and help forget what she needs in terms of, and you can take over the budget for I dont care, but she's gonna have to get out of this denial and denial. Just not a river in Egypt,

hey man thanks for the call open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five. David. How are you better than I do they are you just the same. What's up my question, I working out. They feel about three thousand miles in my car per month. What my company has been of the ordinary we fight alors fixed per month, and it s not even close to enough blood and they have a veritable allowing for my of not luxury it. If, when the price of gas, though I have a relic What new vehicle, oh, no, I'm getting married in a couple months might seem to be white that the paper hoop be reminded her vehicles off the date. For my question is: why should I give Mamma the nice car? Yes, as I myself, something with more miles on it and look the flip at every year, yet your opinion

yup, absolutely consistent, the cost doing business your destroying the value of a car once a year. So what are you? destroy thirty thousand or ten thousand, that the price range you look or some about ten grand Yonder sat My point is you want to lose as little money due to be? road warrior as possible, and that me you're gonna drive less car because you, if you'd rather sixty thousand other car, and you turn it into a tenth not a car with these miles. That's not a good plan right, but if you gravity I was not a car and you turn it into a faster our car with all these miles, that's a better plan so you need something that is the cheapest car you can get that will do the job and let me help you with the definition and do the job reliable, doesn't leave. You saw the road number one number to use lot of ours in your car, and so you don't.

We driving some little smart car you'll, be in the Cairo right. Looking at as a your business, and we really what it s like. It's a cost of doing business, a utilitarian cost of doing business. If you wanna dry, I drive when I'm cool on the weekend. You can do that believe it in the driveway, but whatever you're driving, you are destroying so limit the amount of dollars you burn, driving down the highway, throwing Benjamin's out the window. Think of it that way, because that's what you're doing they're not having you enough to cover what they're making you do, you're losing money on this transaction. This is that it. Amnesia You know what angers me a sculpture. Those are morally hard times: identity, thieves, you're, using every opportunity to prey on us. The scams are endless. You need to be put

Saunders. I data protection is the only plan I have ever recommended and I've looked at them all. They just do everything in a smarter, more affordable. Why look? Most of these plans are just a bunch of hype, not Zander That's why I recommend them two colleagues, three five, six forty to eighty two or visit Zander dot com, and the lobby solution sound, but that we stay there here, Justin our where this with the t shirts, guys where to go much data you paid off one hundred eighty one thousand four hundred and fifty six dollars how long did it take fifty format for you range of income during that time. Eighty six thousand

seven hundred and sixty two one hundred and fourteen thousand fifty five. What do you do for a living? I must Scotty and I do think analysis for Signa, oh, very cool, very cool, so this is pretty cool very it's a lot at the ad Very well, don't worry I'll live. He research on oh yeah, nice welcome to emerge, will thank you in a hundred and eighty one thousand dollars. Fifty four months was quite a journey of what kind of debt was this, while we had about seven thousand rotating credit card that also thirty, five thousand plus or minus four, our cars per too where's that we had and then a hundred and thirty nine thousand four hundred and fifty six dollars for our house. You put up your yes, we're gonna work, Over four years. Yes, I mean with it s pretty soon.

Like four and a half years yeah just about yeah yeah man, amazing, so tell me, story. What happened to you guys fifty four months ago, so I all thought. I was dead averse what it turns out. I was more for savers as long as I can have a plan for something not have to pay the interests, I thought that was ok, that's my best friend coming coined the term justify when something and pay off a? U justified, it you're good to go: so in the first nine months, was really kind used to organise the process and understand the I was aware of who you were. I listen to the radio station and occasionally I read the boats, but nothing really stuck and right around here that we are paying answer on the carbon. No real reason why so we ve got some extra money. You know here some extra money for the car, maybe we'll pay down their credit card with no interest, but no real organization to it.

Entire short order and maybe a weaker a month. I listen to one of your shows where you said that you don't oh, a millionaire who was made their millions on credit card miles or cash back bonus. That was why the only reason I was really keep in the credit card like over get this money backwardness, money back, it's free money. And then I look at the budget. Probably too often even if they are even if nothing changed. I looked at it yesterday. We did nothing, I'm gonna! Look at it again today my money out of thin air. I don't know it's the nature of what you do. Yes, your brains, while thou absolutely out so for whatever reason I gonna wild hair and decided to run our mortgage out through the end of the term and It's not like I didn't know. What we were paying I didn't know is: I didn't know what the interest was, but at the end, unlike wet with tears, when we talk about it. We are needed Right, I'm a giant right now you we were looking at the old.

Twenty one years left in our forties now yeah. Today's her birthday, happy birthday in your hand, is years. We had too much time left to feel like we didn't have a lot in front of us. So, sorrowing just companies like listen, I'm runnin these numbers, I'm saying all this, I'm ready to. Do it well I'm assuming are you the far you more of a free spirits? Yes, ok now you have been very much more than I can tell you that I sell were so. How do you? How do you react that it? You know just looking at the budget it was kind of a shock at first I'm the gross shopper. Of course, so making sure that I stuck to our plan with our budget on groceries my sword, who pawning onto save us money, I worked so a second job as offer babysitting service. I would do that part time as well, and just all that work and x. Time into it. It was. It was tough, a first to figure it out, but I just knew he had to do it. So you got on board

fairly quickly, yeah yeah yeah, a sort of the truth is, I didn't bring it to her in the way that you all recommend. Every time I hear the stir the the conversations like all you that was me here, we're gonna do that This is why re known you were with us, we're we're doing now. Let's go out so it took a while before I haven't some of these conversations I think for her to feel more comfortable. I know that she was. She was on board. I don't know that she was like well- or I will just say something new now, Sir so for five years, and that's that chunk a time? So what was? What was the hardest time during all of that? Nickel is the hardest thing.

For me as just just being able to make sure that we kept everything organised, keeping are that setting aside some money for our kids sought for their college and things just just getting a head start on different things, just motivation keeping not going like. I said the groceries just being able to make sure I sucked to the budget and coupon Ing and then the extra time that I had to take the second job. Yell such as we organise the process, it was a putting everything in the then everything and in its place, so In time is we're doing the pay off the cars paying off the credit card, and there really focused around the house. We hadn't what we should have done his parents to really help our kids with their future and so where's? We couldn't help to cash flow of two percent of their college. We were able to figure out and participate, walk,

sighed the manifold, much good, and indeed it does go. Yes, such very neat, absolutely very name so You feel you have a payment, no oral, it's it's a real! If you were to ask me four and a half years ago I probably wouldn't giving when answer like we can go to Europe if we want. We can do this if we want now two, to quote a friend of the show I feel more focused, but not we hope Resurgam. Yes, sir, we now say one thing: we hope we have agreed. Where of our responsibility and when we say responsibility, alot of people may look at that as a burden, but it's a blessing now to really be able to focus on our. I we spent the last four and a half years on ourselves. All right. Now. What do we do? as a married couple as a family. How do we now focus some of our energy on other people? We haven't really done that I've. I've not done. I know myself. I have not done as much as I should do so now. And retired to navigate didn't have time before by

can learn and and really focused some energy outward which I'm really looking for TAT. I love it both. Congratulations. You guys very, very, very well done. Thank you very proud of you. Thank you very much want war, We got a copy across tokens book for you every day, millionaires, no question: that's an extra Yes, sir, they are man well done hold on well done. Stolen. Sarah Bain Exert zone a hundred morning hundred eighty one thousand dollars everything there where people, if you look deeply India, radio, you will see their tee shirts say: discipline equals freedom, they did it and fifty four make an eighty seven to one fourteen counted down. Let's era, finally grew Marie to one

well here is very well learn. That is so fine. Our question the day comes from blinds dot com. They have a one hundred percent satisfaction guarantee. That means, even if you miss measure, you pick the wrong color, they re making. The blind for free in free samples, free shipping Almost all the time used a promo code, Ramsay Rachel, a question. Yes, most of our friends went to college that free and dont have any other debt. In fact, they have trust funds, family money, their amazing people and literally all of them, have been one hundred per cent supportive of our journey. We are truly grateful for them and our friendship terms is hard keeping the jealousy of what are some of the data. They ways we can say, grounded and satisfied with our own path. Instead of comparing it to theirs who went around with trust fund, that's pretty cool But it's different. They find some friends of me

Don't have that other things in common? Oh, my gosh, you I mean, I mean that's. How do you keep from being Joseph other people's situation? Yet, while in the way that year some great obviously said were totally grateful for them in their friendships and and who they are as people. All of that, so I mean I think I mean the hard thing is sticking to the facts. Ok. Here's. What we have here is what they have it's the story. It is what it is and you're gonna have to go to that factual place and find the contentment in your life. But I was joking, my early, but further fine people that they dont. Have this, though, that you can do it. Waiting for the pressure to spending why they spend as well fine people like you, too, you gotta get hard and I go just turn it and say be some people that are. Successful, always celebrate other people, winning people who aren't successful, tear down People that are winning this is that every measure

our scripture of the day proverbs. One thousand two hundred and twenty five anxiety in a man's heart weighs him down, but a good word makes him glad a friend cynics is working hard for something we don't care about. Is called stress working hard for something we love is called passion open funds us our Rachel crews. Ramsay personality is my co host the phone numbers triple eight eight to five five, two to five, that's triple eight, eight to five five two to five Alex is in who is high, Alex how're, you huh

We re to hurry on a great deal here, about four years ago, my parents bought a dude like for my brother and I come from a trust. They had brought a paper. The housing costs and we pay them back every month with interest a normal mortgage on by I, We got married got here in November. Ah liar ya, looking cues, neither there are more money at the mortgage or save for the next house I was just wondering if you highly by above all- and I note one mortgage routers- each play our parents half of it every man? If I were to pay more money towards the mortgage, you hurry advice as to how to keep track of vat on or is it the poverty line?

You in our area is going way out to inside of me. If it would be better to just paid my the side for whenever we eventually more aware and fell, the whole. We are living at his word oh you're, living in this duplex that all about my buddy list on any new husband moved in with you. Obviously, he the idea he didn't have a property heathen

had a puppet. Even your brother, live on the other side. Ebay! A lot! If you get down! Ok, well, that this is a well intentioned gift that it has a lot of potential trouble. Why? Because, at the time they did the gay after the process they felt like they were helping you and you guys were excited both of your single you, both at a place to live, and you know anybody what your parents, but the downside, is, as your life's start getting more complicated in one of you want to get out of this or in your case may be paid

on its not structured to where you can walk all, and so I would be so radical is to say owing your parents. Money is a bad idea, because the borrower slaves to the lender and thanks giving dinner tastes different, even though their very sweet and their very no born there very well intentioned. It's still in the air being pardoned, with your brother while you're married is really tough. Living next, no war and living us. Croatian that were kind of splitting it, but legally we haven't and financially we haven't, I but I'm not gonna get my way in this, but if you you and your brother and your mom and dad we're sitting in front of me in a coaching session. I would suggest you sell it open. Well. What do you expect a positive factor, but I'm? But I appreciate that

is your brothers. He happy on his side of it, like I mean like, as he wanting out there like a team thing that you guys have the same common interests. Good I mean to be rude, you so he's the only other on only two years apart, but I just feel like feel like he ordered the buying alive and before I even got married and united feeling. I take care of everything and I'm not good at that not later. So, though I mean, I think, he's containing two, I, so he had started a conversation about what it would take to buy a mouse over very well, ok, dimmed over very well that they, like. I just got my guy. I told my shadow like no. I I. Think I either why to violence Where do I? Let you go I thought you realize your brother. You know like, gonna like that.

Yeah, but you don't have to download duplex. Will your brother to be nice to your brother row form I don't know. I thought tat I ever I'm I'm I'm impressed. You are already ahead of me. You already organ about selling it before you called because feeling the income grew and see that you are feeling the weird that's in the air and its pulling out you're from about different ways? And you know so and you weren't liking it already yeah, and I'm hoping that. Always though, I think that a good hurries I love this house like we are in the I thought you were really has been growing so quickly, poverty, value of Hitler's adieu likes it three down there on the market for over two hundred thousand dollars more than we paid for our house. Where you go I'll show you could put a hundred thousand dollars and each of your pockets and going to marry way. I, though, is that what you're ingesting

I can already tell my younger I'm in the financial decision to grow extra money I, but if it can't be backing oil problem is, if you do that in your brother. Doesn't there's all kinds of stuff in others just now They pay a down, but you'd have to separate the note with your parents between your brother has out, and you have a note- will be there to do that and they would probably be willing to restructure and let you pay your note off. However, the property, it has a lean on it because he has not paid his half off and I found another go. You have to buy amount anyway, exactly somewhere along the line. Something is going to happen here, so I think that this is again. I think everybody wanted to do a good thing. And if you get out of it before it, causes all kinds of problems. It'll turn out to be a good thing, but the best way for this to be a blessing for We wanted to put this house on the market I and then go get you something.

He wants to remember her. That's fine, take you heard thousand dollars and go by you and get a mortgage not with your mom and dad and pay when you're new husband as fast as you possibly can, and that's exactly what I would do for exactly the point. It so hard TAT S like with families and again, like you, said Parents, there such good intention their sons and goodwill about how, but you have to think long term in that situation. You know when you're that was four years ago, my mommy outgoing will I'm getting the interest which is more than I would get over the bank rain, and helping my kids out, but they don't think about the fact that the bar slavery the lender and it changes the changes, the town, the tenor of the looked feel the relationship, and here how sweet the person is you still their master layer, still your slave, how well intentioned they are, and so we do not loan people money, especially people that we love and

you know if, if they want to help you and I ve got some extra, my will give you some money. That's perfectly fine. I've done that and I ll do it again. But I am not alone someone money, because it changes the relation The old joke is, if you like, rather larger in dollars, and you never speak to you again. Was it worth it up, because you know it's gonna screw up the relation right right. I mean you think about the friend in the coffee bridegroom and he alone and fifty bucks for pay day and it what's it do it. There were the nicest and ever I was happy together all sudden their whole personality that body language changes everything and that have to varying degrees, but that's the process and so yeah that that's the plan and I hated in these discussions very gentle, and it has nothing to do with you. It's I got married and I wanna have my own space and one of my own life in this

are woven thing with my pair so my brother doesn't feel healthy and I just I love you, I don't want anything to come between us and so you couch it that way, and say were selling it yeah we're cell in it or you, on me out I'm buying you out for the three dead matter, you choose I'm getting them, do with a mad at you. It's I don't like where I am, and I have a say here. I am half owner in this thing and oh by the way you don't have a partnership agreement, the gives you the right to force so technically. If everybody Bowser you'd have to go to court proportion, which would be a real paying, obviously what a mess intention things that puts us our that I am sure the books will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's the walk daily with the prince of Peace Christ. Jesus,

This is James Childs producer of the Dave Ramses showed once again you made the day. Ramsay show one of the top for most popular podcast last year to get your daily dose of motivation and inspiration from the railway network subscriber followed suit egg. Wherever you listen, if I can have you got questions about retirement, investing becoming an everyday millionaire, gulp, beggar and broader, with my man Chris open on the crucial genscher. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing and how to become an everyday millionaire subscribe to. The Christian can show wherever you listen about gas hates James, pretty serve. The Dave. Ramsay show this.