the four quarters of Williams usually should judge Ramsey matters. Dom casual gaming in the period of mortgage has taken the place of the Bmw, the status of to day rooms. You your hosts, thank you for joining us. Your gavel, Ramsay Personality Ocean of the fine print, our IBM, most exposed, podcast worry exposes where the in print is growing you because it is

the old saying about fine print and we get till episodes in the in the can from last season. You can listen to now and planning out Many of these episodes, you're gonna be, but Tom shares going, fell. My good thing we do in that higher season dedicated to that my brain would melt, but we did have a lot of fun and where the biggest ones we ve we ve heard feedback on is the true cost of credit card rewards, because it's one of those things you can send your buddy, who has feelings about rewards- and Please just listen to this. Its structure Ski Baltic, its annulment. It is that's the fabulous metaphor, you put it and we haven't even delve into enough tease. Yet, oh my god, I can't wait when the lonely- and I were talking to your eyes this- the meadow universes now there and Walmart, as announced there going into the space, so you can buy a virtual draped for your virtual hails from Walmart. That is, if you would your drips at Walmart? Maybe you should give them a target, I don't know or cold. I don't know. Why? Should you get them?

March, not open anymore regional. They shut down if they were virtually those one left over and there's a relatively minor, virtually there yet a first efforts. My brain is well there's all there's a lot of strange stuff happening. I just on article real estate in the virtual universe, is five hundred percent up. Someone spent four hundred and fifty grand to buy the net. House. Next, a snoop dog in the virtual universe, We talk about yesterday, the little kids. This is the generation that grew applying animal farm and you could buy stuff. Virtual pig, and it was like not real bacon farmland. I knew James would not farmville. That's it and change. James knows this here, strange that you're, whereby or pay? I never played Farmville or botany virtual pigs, but we look it up, etc. You went looked it up, melted, the lonely, cloning butchered the name of it as a new, there are, though, and you could actually buy things for your farm look, it could spend far boxes a Frenchman money, and now they ve grown up and now they bought a.

Pretend house next door to snipped us? No dogs, pretend house that is real house, I'm so confused exactly. Why he has a real house, but there's a pretend thousand the virtual metaphor is pretend world and you can The pretend house. Next to his pretend house, pretend world: that's what You college that a virtual pretend workable means kinda were alike. I say I virtually love my wife. She would say that means you don't shared about us having chosen I'll, be ok with that there are virtually love my dog at times such as AIDS. Aware of that the way here. He certainly loves you down. I know he unconditionally love because he's a dog, not a cat, but yeah yeah, but it's ok yeah this out the whole, idea that

even the word virtual has got. It means sort, a kinder yeah. It means really not quite its virtual. Not almost virtually got away, but it was a bit the virtual reality, many not reality. I was virtual Agnes mine. Virtually graduated mimicking lobbies that it was. Thank you Lahti. Having a go at people have virtually graduated now, try it does because a covert they glad What is the average? Not re? Oh, it's not real! So strange. well, nothing re all its ultimate. It's the matrix! Well! Well how, in the main, we will help you guys in real life. If you want to give us a call how's that, You can check out the bog cast a fine print which ITALY, under this new around here alone, the fact get this thing stored in our brain and they just had become out our mouths, but am yet check

fine printers tuna episodes there, one on credit card points, one Michael score that this very informative right, one Stu loans should launch bankruptcy or eight coins bankruptcy. One was really good. Thank you. You around. I went The Bitcoin one was excellent. It was they really because you know that what we find is is that allow to be borne by the vast majority people investing by going, don't know what it is they bought it cause. There broke all that is an awesome. I been, they thought they had Foma they had to get in on it virtually so I'm just gonna drop that in my sentences, occasionally yours, we really have to be ever keep everything moving run, long, stay, trending, Dave you just calling everything virtual this time from a virtual host virtually Billinger. So there you go, in the end. The metaphors I can. We can all be what we want our cause. You could do shallow waters.

They didn't learn yeah like alarm. Money that it may affect money. This is where an outbreak so confused, as we know about probably are a Julie's in Seattle. I generally welcome the Ramsay show. Thank you. Thank you taking my color of her what's up. Well, I'm sixty six, my husband sixty two pretty much retired. He still works and we make about sixty thousand year. Our house is paid for in words about hundred thousand trailer occurs. We have thirty thousand in an urgent chief but I'll seven hundred and six and eleven thousand in retirement. We have long term shirts. contributing right now, turn retirement. Your millionaires go to view thanks to you following a plan for years

I want to know if I can take some: we can take some money out of the term a woman how much Take out your six hundred thousand, were the retirement of Exupere how's, your eight hundred dollar out of forty moody before thousand dollars? Yes, you are call me about forty thousand dollars when you have almost two million dollars. I'm very fruitful and very cheap, and I'm just afraid, if that happens, my husband and I'm on my ongoing. Is this house falling apart? What what kind of state, as it is already a thousand dollar she'd nine fiction up the kitchen good, new and what the forty what're you doing well and I've gotten your place is in the kitchen I'll! Have the cabinet bill a wild painted toward cabinets done and the counter to just gonna live?

Who can there? I don't need to be rope their feet, the deck doubling its be done. That's a million dollars! You need to do this right. Don't worry bout. Two million dollar love, nor so it is a city that is a million dollar house. Almost don't He bowed on the kitchen and devalue the house. Ok, and captain Frugal Julie, Julie live like no one else. Now, if you remember how the saying goes, you can now like no one else, so we gotta remember the second have to listen. You didn't call me up. One has been four hundred, I might have said, I'm gonna get tragedy

she'll pale, but forty learned our lesson. If you take forty thousand hours and burn the medication table done change your life. One minute tell me your name right, you mad at you made in your lab, like no one else now makes your brain tat Jim alive, and this is also making people happy. There is not even a aren't. You will get your magic depressing away money, yet the virtual reality you'd look box with all these devices in time spent on line having an idea that protection plan is an absolute necessity in this digital world. They only plan. I've ever recommended this from Zander Insurance, Zander blends cutting edge Cyber and prevention services, together with monitoring alerts, stolen funds, protection and unlimited recovery services to make sure you are fully protected at the lowest cost, kids or even included for free on their family plan, give them a call at eight hundred three five, six forty to eighty two or visit Zander dot com to get you and your family protective find a month. Twenty twenty one behind us last year left a lot of people feeling farmed out sluggish or, as your spirit, animal we're stuck we're stuck we're stuck between

when it choose your fresh start. This is your wake up. Call you own this year. Well, we are running our new year- say all right now shaking his seventy three percent of our best selling books, assessments and ongoing systems- and that includes brand new book baby steps, millionaires that will show you the quickest right way to become a millionaire its on sale there as well, not for sale, ten dollars, but there's law the butcher ten dollars be sure. I come out I've? U having here I'm bouncing back from the wild year check them all out redefining anxiety by doktor. John Bologna. Is there for ten bucks, total money make was there for ten bucks. cash envelope reserve for ten bucks and All of our best selling books are there as well check them all out. Ramsay solutions. Dotcom backslash were Xavier, is whether in Huntington West Virginia High, Savior how're. You know sir. They should take my call for what's up. Well I'm in baby steps too, and I have

very well meaning friends. I was asked, in their wedding, and they got married and other their kids call me answer really close to the family, and so when I found out those becoming that free, they were really hesitant. I have made some stupid mistakes before, so there were really concerned that it may not be the best day so how can I explain to them in a logical way, that being that free as possible is wise and still have life three, even though you may not have what you think with a low longer or something like that Zeb dear friends, pay your bills? No, they do not Then their opinion in your personal finances, don't matter and hurts to hear, but the true

is that why you can convince them is by doing it and you go yeah. I became too Eighteen months later- and here I am to live the life. I want not held back by debt and they go hold on how'd. You do that because, right now the theory to them right now. Coming from a guy with a bad track record on theory. You know me like light exactly a lesson: here's the thing. One of the ways that one thinks we finally study millionaires is they will often tell us having conversations with them that their breakthrough came when they loved their friends and their family, but they no longer gave them about. And I think I am right there- I think you're around loves you. I just think you stupid about money, I don't think you're gonna convention from the seat that you're sitting in

cause you're, not sitting in a sheet of credibility. For Georgia's right. You get out of that, and you pile up some money and you tell him nothing about what he needs to do, but always just tell him. Your story got listen paid off everything. I don't have any payments, neither feels its autumn. I feel so autonomy payments and other payment, you gotta, get money and I got money to do this and I got money Lou that does not pay it all out and payments. It is also an hour are you english talk about you and then they'll go yeah. But what about me? No one actually do it. I guess, but I must tell you cause. You know, I'm not that guy. Now, if you like, I appreciate that. Thank you, sir. I think that's what you do. You just gotta gone and do it anyway in no, and hopefully they will. You know it'll be Canada. It turned out to be turkey, but it can gonna, be it out Toby Keith moment like how do you like me now you know and you

play that song in the background- and you always say if people are your financial plan, a stupid you're on the right track, broke people think you're financially ion is after the near ride on track. That's that's how you know your wedding. That is, and you don't George the number of tat I mean I went to high school regret my high school redwing clash with foreign and with our people and arm I mean I'm old enough of your ma passed away now right, but but but the bunch, those folks are considered very good friends and I've come at moderate degrees, with several of them through the years, but the nuts of them better in my life, Every six months today, too, and on that note, my friends group has changed from my hunch, good Everybody right I'm not different by us. If everyone leave you, sixty years old and you're still running around with your hospital buddies. That's a little strange! Really, it is it's unusual.

It doesn't mean that your snob doesn't mean that their snobs, it doesn't mean anything It just means people change people grow, they move that do different things and so that it may be the cases were Xavier. It may be that this is the thing he was in their wedding in America as it was in their wedding and nor there are now in all If you ve got emotional maturity and I've got plenty of friends who disagree with me. Financially, we just don't talk life on it. There's a lot the things you can talk about. We can still be friends if we can't have a disagreement and still friends than we aren't really friends, exactly that's everything thing that goes with it. That's a good point. like that. Lauren is where this ensure Charlotte North Carolina Haleran. Welcome the rams issue. Dave and Argentina is doing better than we deserve. How can we create so my cousin I have been working on baby cept two, but we want to get through faster and in a smart way. Are we

baby number two on the way and yeah? I think you and I expected they care costs- is kind of books prompted our question here. So we still have it thousand dollars and do not want to tackle and always picked up extra jobs. To do this, we don't have a whole lot of Monetary value- you are Oh I'm to sow aside from my husband track, which happened to be paid off both of our vehicles completely paid off bodily refers worth Kelly cattle blue book value on his truck is about it. in nineteen thousand by your cell, so travel about your car, my car, is a ninety nine jeep. It was a gift from a family moderated by Bluebook on it.

On my car is probably not more than three thousand dollars a total of your vehicles, which are household income. a hundred and ten thousand and together without the fight job, and you are sixty five thousand dollars left in And what are your saw, jobs bringing him Probably only about two to three hundred a week they serve. Yeah I mean. Are our jobs? Take up a lot of time, though our side job don't really give us you got it. I got a good job. No, I mean these are often in a kind of kind of working. I've hours here and five hours. There is none of our a permanent jobs, take up quite a bit of time, We do have aside from our emergency, find it you have fifteen thousand, so we could take our student loans on the fifty which clan. ah, but

we do want to get through this faster. We want to be there when the debt scream ass, a little apart where you didn't use your fifteen thousand, while we just did that we did that fairly quickly. alas, you saved over fifty monthly yeah at least we have been asking it for too long and so about five months ago we decided or jumping- and we shall do you not know that babies to absorb no. We do I mean what you say, what what possibilities to emphasise fifty thousand and savings, while you have sixty five hours and stood alone, none none of the baby steps have that. Yeah. Well, I guess we're just trying to figure out. You know, under your oil seeds, fifteen to your name right now and cash. Yes, so I think that from the outset that down to one Is he fourteen to put on the debt which puts the right one? fifty one their correct. I wouldn't selling our personally. I wouldn't either keep your truck

can agree any cash flow. We don't have a payment on it and it's not worth forty five grand. So it's not you're gonna have to turn around. I twelve grand car anyways so yes into hustle, get better side, jobs focus hunker down any nearer this thing in sixteen months, pushing an embryo relevant here,

Nearer than here you got the other party or issues you're still going to eat. You still do the bunch. Other crappy may not be doing your budget, so you're still just kind of playing around the fringes of the stuff alone. I'm not send you a copy of the book. The total money make over and I want you to follow it sang. It works your plan such by giving joining us America. This is the rams you show where we talk about your relationships, your money, your work and your life. George Camel Ramsay personality is my co host. Today, broaches Witherspoon Fort Myerst Florida. I Bruce what's up a data,

I appreciate what you guys you got lucky. I love her ass when you get news enough people out there, why you today is that what you're talkative report your job is not on a degree for a red light. You get a job and corporate Amerika, because the contact yours, the larger five years- now that the reserve would have come about as you have done. it's not illegal, but its look at is unethical, but there's a lot of does that there that require degree than there like thirty thousand dollars separation from enough turn job. Requiring dont required, but- so what's on echo here, just the integrity of very much lying on Euro Med, those, but the company does not leave it. There but you haven't degree or anything, it is want to see it. I thought you said you were going to really get a degree instead as a safe, and you have one would add my plan bad. Why did you sent on it? Because it's not just the money thing

but like em in the lot of career opportunities- and I know a lot of you though, that these companies, you don't have the greed knave made it by word of by relationships by. Meeting but a degree and like the word that or on Monday night. Isn't working, but is it doesn't make sense to ensure, are running very if you should lie under resume? The answer is no, If the answer, if you, if you're wanting to know, should you get a degree and actually get one so that you can get a job, the pace, thirty grand more, that is discussion we can have, but now I'm not gonna tell you to go lie about having a bachelors degrees, even go get a job, even if it works. I don't feel good about that right and that the thing alive, I got you ve done. It ran onlooker care about your crooked friends. Unita and of integrity. Right! That's that's what I said: I don't wanna tell you automata I'll hire. People here we ve hundred and fifty seven people organ our team today. That says this morning

and our people based on having a degree not asleep person in here got hard because they had a degree they got higher, but at some point. In the interviewing process, we became convinced that they do the job. We were hurrying them for now, some of that convinced might be that they have a degree, but we of executive directors of marketing who do not have marketing degrees, and we have some that have a masters in marketing both Amber can do the job and they both got the job because they can do the jobs. If However, I was to discover with any one of the team members that worked here, no more. How long they worked here that they had lied about having a degree to get the job. wood fire them instantaneously, not because of the degree. But because they're a liar, and I don't want to with liars. That's bear. I am I I'm on your side data just headed,

I can do that. Your people done it and again. I know you're not that you're, not gonna too. I lady that worked here. One time the total share a masters degree and after she quit she came back five years later, she's a friend and said I have. guilty. Since I've known you, because I lied to you the entire time, I've known you and I have to come, and until you, I do not have a degree, a masters degree in marketing and she worked here twenty five years ago, or something still nowhere to this day and I still like her but I would have fired or for lying on that what's the harmony you just go in and get a degree? If that's what you want to do, you have to have a degree to succeed in corporate Amerika. No, do you is a degree valuable some are, Can you get in the door some places without a degree? Yes, you get into it. Get in it. Note that, or some places without a degree know some places where wire degree for you to even have a conversation and that

a place. I want to work anyway because are more concerned about pedigrees and degrees than they are actually getting a frequent friggin work done right. get your question you're gonna get he's gonna like I've, been a special forces for the Marine corps and those guys in the show. Seems like a shudder and so like that experience is We might even get any caused a great. I agree that it is different and it's a different kind of experience and expertise. like, but don't if I ran. If you ran a seal team, you can project manage right, but I guess my question is like it: there like a living in America backwards. Of course that spent well. But requiring a degree in just like us. Such a bad filtered You didn't just now it's not as if the. If the hundred filter as you must have a degree between you and me. I want more work there. You're, ok Do you know what you want to do it? Every cell summed up its business development but cells poorly.

Very few sales positions require a degree. They require the reality to sell liability, The bailiff to handle your verbal scales and articulate an idea craft, a narrative create a persuasive environment and show me, will the need and fell the need, this asylum, bill value. That is greater than the amount of time and they mount of money that the customer is going to put forth customer will part with their money every single time. In that same, that's how it works, he's got a great degree from Dave. You agree I doing indication, no one's ever ass. No one cares but a literary way, but you started here as a lonely. Intern, that's right Then one sure why all the way up to the email bag? That's right. I was marketing, though for four years and my degree helped. I don't think it was a factor in the conversation it was a factor in the sum of Andrew learned in getting the degree report tools, your belt, exactly I've got a business degree. I don't have a master a Phd in. Do you MBA yet, which is why,

less than John Bologna has happened. At least half a smart is John. Your phd. I'm sorry I'll tell you if you, depending on what your job was seal teams. I worked a lot with those a lot with special forces gas and we D, stuff with a military and I'm a tactical shooter hang out with him in the from them on that stuff, and so your more than qualified to step into some of these rules. If you can just get the interview so hang on we're gonna send you can comments to books, proximity principle and from paycheck but read those and your land, the job you do not have to have a degree to go into sales when you ve got military experience, a special forces, you don't and on, and you certainly want ten you to be a man of honour and a man of integrity. Is that's how you started your life,

and you need to continue your life that way. That is how most people prosper is from integrity. Very few people with lack of integrity have a long term prosperity and that was part of a millionaire study that we did as well as integrity shows up all the time here so I say that's why I there's. There are very few on the planet. I ate as much as taxes. I hate taxes. I think they're unfair. I think the monies. please wasted by Washington. I think it's a disaster. I'm, politically philosophically spiritually opposed to the believe, a bull level, taxation that our country puts on us, while still

Eighty percent of Americans pay zero in federal income tax and they take my freaking at off with taxes, but I pay every time I owe exactly not anymore, but we calculated pre cisely, because it has nothing to do with the Irish. It has nothing to do with a stupid congress. It is nothing. the stupid federal government. It has to do. With my integrity and we run a lot of cash through this place and every freaking dime of it is reported a and you know so I get audited. It'll be no problem. No prob come on in They got a violent, cheat all my taxes vows arrogant, cheat on anything bog it better ways to do it. It would be showered. You are right there if I'm obey a trader that be the bird life on the left right. There buddy, you wouldn't added degree aneurysm Dave

now, don't even come up, because I'm not pissed about yeah. I guess you have now to do a job interview, unlike ever spent awhile. I love to see that there are HR department interviewing you for the job. A ceo like protocol

get a job. It's tough you'd get worn out. This reproach every rational planning it wouldn't be because of lack of integrity faster. This Ramses George Gamble, Ramsay Personality is Michael votes to thank you for joining us. America were glad you're here, open phones, a triple eight eight to five five, two to five mark: isn't SALT Lake City a mark? What's up

I'm doing good. I take issue with some favourably in Dhaka. My parents give me two hundred k for our house. You know why, because they are able H M, maintaining the poverty they had and my other siblings want really hoping, and so Your friend and move closer and be with us, so I was perfectly fine and good luck, who took two hundred thousand dollar gift from them, and then you bought a house, so you can take care of them. so many words. Yes, I already had already paid off everything, basically that work for them, so I had to purchase the new are home to make it more accessible for them and their age and in their requirements like their vehicles and other things of that nature. How old are your parents

in our eighties, ochre sounds like you, ve done. A very nice thing only help to Iraq. bad for you to take care of them, so where did it blow up? directly under full marks? Are allowed in our time only were being racist and sexist. Then I gave em basic three chances to stop the lineup two kids at home, so eventually, since they couldn't abide by that they said. That's fine. The top house I'll have the bottom half and you know if you ever need anything. Let me know, Finally, I overheard my wife Was she told me she ordered them to their hard of hearing? They were saying that we are afraid that most gonna

Those are my money, but they ve been asked whether you want it came back. Ok, so when they were being racist and sexist there, eighty years old. They want the fact that we change. I didn't ask what you said: like you know you'll come upstairs. I wait a second the talk India's on your mumbling gap. If you're gonna, say sexist and ways of things at the tv. I know you gonna be called the centres to children running around in here that you don't start my politely so in a way that was carried taken care of How old are you thirty what forty years old. Ok sure. What are you gonna do

I don't know. I mean the junior gay job, was essential. Given and I didn't want. I have no bank, you I'll, take care of myself. I need it would came an altar medium where they said we, give it to you and we're not gonna. Do it than the one in a member to the helpless gave us today in the house, which was I'll, let you know you open the door, we do everyone on your for, you can't have it done live too little ones? You have to make sure there safe. So if something I just can't have it rendered all this blow up, so it's been a programme in over years and waited they wanted. This whole thing blob and they move upstairs beside. You. Don't kill him for their money, but not enough. So the thing is they ve been upstairs. They turn now. I'm a new random, Upstairs Tom go away because they were young. I shall start with the television known. No, that was dead. The upstairs is more, has the master bedroom there is it about

You told me that you told them to go upstairs. If they couldn't behave well known, Ebay item. I look up here that we will come up for dinner. Anything of that nature also. They stay up there, ok lifting around alone. So they had done more than welcome that come down but again their elderly. Ok down the stairs, isn't really action. Your mission the point I am asking when this big Conversation were you all had got crosswise happen could go a day ago. A month ago. Again, I get three chances in what would our that Marianna talk circles? What was the third Reich? Soldiers Drake was really essentially I listen why you try to have been around for together and so running late. There was an accident on the freeway, I call them told them. wasn't gonna make it. And then on the way home. I got a phone call from my kids boys, girls, we changed meeting happens night. Can you make it

I said I'll, give it a shot. So I get home, I have just looked and drop off kids two days ago, Those are the three months ago I had lunch. I've been living in those can't just stop. I wonder all that you ve in this tension for three months. in a world where you- because I was u need to sell the house- need to go on their way, any give them two hundred k, and then you go act to your other property or something like your other property, the equivalent thereof, and they need have their own life, understand and that's the easy way to say it? But again I mean you, don't just get the seller property. I have that you want it's been a while, We used to leave the market yours and like that, it's not here it all, you know, this is what you do, yeah and walk away. So you they point, did you she off on the isolated wanted there, but you have crazy, Playboy, perish of your house. Will they turn around

Look. Here's your inheritance Youtube theirs? I heard all that you have crazy people in the upstairs of your house. You were yelling racial epitaphs at the television telling other people that you're gonna kill them. Not going well. Have you know your shit rational, I dont, know what to do with the irrational. I try to get rid of it yeah, but then a word. How do I look at you heard TAT you sell. The house is not in the but he of the house was now. I know I went ahead because we worse very well financially off there. What's your shhh worth eating about watches rounded tonight undertake its worth. None Kay and what are you alone? It nothing EL the house and then two hundred k angle, Seven hundred thousand dollar house it's really not rocket science mark understand, but it sounds hard for you emotionally, but the actual step is is easy. we're telling you sell the house, that's it.

Retainer learn what so again I mean you want me to get your eighty euro crazy parents to behave like they're supposed to behave. I can't help you with that. Now, I'm glad! That's not what I'm asking my question is is really ethically do they deserve the two hundred tat? Yes, they are the ones who gave it to me their thy. Now you don't use the money. You have told us yourself financially. Well off, you don't need the money. I agree. This is about the money you could come. the money if you want, but I gotta you gonna, give them the money, so they can go by a nursing home or go play. Phonoplex live with your brother, something they have thirty. No, DR somebody else crazy done with this. I M doing here and I have to shut you, try to set some boundaries inside your own home and it didn't work people who don't like boundaries generally is shocking. They don't like boundaries, and so that's what happened. They went bananas when you drew a line in the sand there's no scenario where they stay there in an all. Just works out. Why

think I should do. I agree with you, however, that we want to kick them out and keep the two hundred K. That's not gonna work either. How could I not their deciding to leave tonight? Ok with that learning our they leaving what day. So I just now today, that's my lad today you are where aware: gonna get a place. I hope you are not here to hinder. You want her to. He always help right. We're gonna get out yet oblation, and do you have a thousand dollars cash lying around me? I am today But we have eighty o conall, and so we have yeah. But you know I am kids school, a pay for relief, without any really that's only delay, you about how you dont need now if they move out. What we do. We still need to space. Like you don't know,

the entire house that holds to people in the upstairs that aren't there anymore and so I'll get. What would I do? I think, your highly emotional and your eminence real problem thinking through this clearly show how they, what I would ask them to her tat. I would be in a hurry to do it reasonably injudicious, hey it's Kelly, says you pretty certain fence mania for their aims. If you would like to do your game prescribed line on the show, MR you visit the Ramsay Shout DOT Register library to tell your story. If you art, strapped, which student loans payments odds, are you know someone who is mill

these are having to put off things like buying a house and having it. Because their stock we produced documentary called borrowed future it on covers the dark side of the student loan industry and exposed How the system is built to work against you watch borrowed future streaming platforms or go to borrowed future dotcom borrowed future dotcom aids.