From their quarters of Ramsay solution. Gas me from our car rental snooty owes its the day Ramses work that is done just gang and paid off, taking the place of the Bmw as the status symbol of choice and I ran junior owes you jump able talk about your life in your money. It's a free call, Anthony O meal. My is my coat

today here on the air Ramsay Personality, author of the number one best selling book debt free degree we're taking your calls a triple eight eight to five five, two to five: that's triple eight, eight to five, I've two to five Jack is in Miami hijack. Welcome that I've Ramsay show. Thank you Dave, I believe, and I'm getting first. I want to thank you for giving me the tools to get out of that back in two thousand. I am wondering if you can help me with my feet my current situation, currently support my fifty five year old, legally blind mother. I helped went on order expenses. he's going on for almost five years Furthermore, I am honoured on helping, naturally, but its view I feel like Toby, but back on my financial future rarely have from family, can Hellboy think that they can help

brother is leading a nun financially responsible are like he offered an empty offer to help her give her a room in his house. I'm wondering what I can do to help my mother to get more income or get my brother to help out. I'm wondering what you could do: if you were in my shoes, while the latter have any siblings you have that can help out which you're outbound Jack. I have two seedlings one of them might be. They can help out he's if he has a family. He has to get done. He's earning with income grape. What what is it

thanks, I would say, is I witnessed so what I would do issues may be jump on a phone call or maybe about them all over dinner to say, hey, listen. This is where mom is. What can we do as a family to help mom and just have a conversation from their about out o? Have you no sickness it with my parents, but every year my siblings and I sit down a silk? Hey, listen! If something worse, I happened to Mama dead. Here's. What we can do here is way Anthony can do and added ass. We had that at conversation savvy one, a first step to see exactly what are you? Ok, I'm curious jack for five years you been painter bills and, and it never came in conversation with your brothers and sisters that you're the only one supporting them. It sounds: and then you're asking how to talk to them about it in

families that are moderately functional- you would have just said. I don't pay an almost bill right jump in her know me right so that came about and that's one, the offer of an empty room of a roman house came along buddy, it's not possible with my mother and my sister in law and its current on this occasion there so that won't work has more than one live there. So, but what we do, it is, money is on on. Then you said that if you said that these siblings of yours, they show back. They said that we should give them a couple. I'm like months too, like some time to gather that Sorters Boca being over two years, since we have a conversation while on the other I touch base with them, but they dont mom, like the money out of pocket,

Well, I'm gonna. Listen, you can't make them. Do it You can do is say, listen under I can hear this. It's not fair them taking here this by myself, and you guys really need to start a couple hundred Boucherie needs parts into something you started this month, absent or- started in June or started in March, but when you say you're gonna start it. You don't kick the canned on the road, I need to start it and if you don't, then I'm just going to look at you cross eyed, because you're just not taking care of your part of this, and you know it's just Are you not to be mean about it, but I think they think they ve. I think they think that you're gonna kent- You'd do there's, no matter what which is true and darker, there's not going to happen, and ass. I dont know that you're putting pressure on them is gonna. Make them do it by all. You can do to bring it up more often and more directly, and then

point you give up and drop it and forget it. You write Dave sesame. If you wait three years without say something you ve put them in a comfortable position with him, so I mean ass. I agreement but I will bring it up our even shadow that line a loaded with that fit state be far be aggress. but still be respectful. My eye, I need your help. Reject this, a business transaction aware. I have people, sometimes While this guy he's a crook, I knew he was a crooked. Why had contracted and now he's being a crook but and you won't keep, but you won't keep the content. And I'm gonna contracts not make crooks, not be crooks. If you knew it was a crook contracts, not magical wand. It's a piece of paper we agreed but no value, if you're not being with people with integrity. Congress Here's the same exact way! It's not that your siblings, your crooks, that's not what I'm saying but eel. You having a conversation with them or what they ought to do is the right thing

doesn't mean they're gonna, do it, and so far there sure they're not gonna, do it. So I ve got fairly low expectations that a couple of conversations of any kind are gonna cause these people to start writing check, because if they were, the kind of people are gonna write checks, they would already be freaking riding checks like you you're the kind of guy the Wretch Jackson have mom they're, not and I know this is going on- it's not are unfair, Then you know now, if my my wife has five brothers and sisters, and one brother lives next door to her dad and that therefore ends up, doing a lot of the work and taking care of the hit, that's needs and so forth, but we ve told him twenty times. If you need any you're the gown front lines you just let us now and if he calls as we need something we're not fill it if we can, if it we can reasonably do and because he said, gown for lunch is that if you don't call up, how do I know I don't know shown, but if you know it

point as you put the ball on their side and that they may hidden They may not I'm gonna, guess they with I'm gonna. Guess they work. I think that's. What's gonna happen with this bunch the question that I comes from blinds dot com. They have a one hundred percent satisfaction guarantee means. Even if you miss measure, you pick the wrong color remake your window, blinds for free. You get free samples, free shipping new promos they run every month. You're save even more. The promo code is Ramsay. Shore Gandhi was held the question until after the break, as it has looked up realising it second sturdy second for you'd, aroused in an area that question instantaneously, so when, under the bonds, dot com question right after the break in, you're gonna be in suspense because you want to know what Sarah and connect Oghee needs to know. So you'll be sitting in your car waiting on the blinds dot com question right after the break into a real good question, so ya out deftly wanna make sure you come back you know, you don't want to miss this one. No, this is the best one of the year.

The radio host as a radio. apparently mailing. It set this thing up before. Let not looking at the clock and will try to take care of business here. Look better, but anyone who come back from the brink will do the plans, dot, com question that you guys to hear that point Anthony, only all be reading it. The of these laws. boy voice will be operational, be voiced by Antonio. None of this is that ever amnesia.

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have a one hundred percent satisfaction guarantee the means. Even if you miss measure, you pick the wrong color, they re make your window blinds for free. Our question comes from Syria to Turkey. In, like I promise you are, this is a real what she says when my husband I got engaged, he got a statement in the mail stating that he had when Hunter. Eighty thousand dollars and stood alone tat. He was completely unaware of the amount of dead he had in his name. He got his teeth and agree on a fifty percent baseball's. A ship our whole Mary lives. His parent promised us that they will pay off too, and they were never ever be, our responsibility now lifted his eye to retire. So this is where it gives good their tune is starting to change my husband and I are babysit number two in our own try to be dead free by December. Twenty twenty went so day,

My question is: do we contain a focus on our debt and progress through the baby steps or We take on these other laws as well how these jes we proceed. Well, I'm like down a middle here. I think there is a serious conversation that needs to be had here with the parents, but then on a flip side is also, if you and your husband or any financial position to at least help your parents. I think you should. If this was me, I'm talking to mom, I'm talking a dazzling, a I get it. You want to retire soon, but you told us that were not responsible for it, but I still do have some some point of obligation to it, because it is my education that is carcinus much, but I will really have a conversation. Paris could you

a while ago and it would not be a hundred eighty thousand house today, Sir I'm Column Book wrap your husband gets on my poor thing in the mail right after your engaged saying he has a hundred eighty thousand dollar student alone. his name, which means he signed the Freaking papers and he no idea, bull crap. Of course she knew. Of course she knew haste. Freakin lying. or he's the biggest space cadet on the planet. How do you go to, grand in debt and go whoops. I didn't know. I know I d out plain both more come all seriously unbelievable. now that is more and I promised to pay it, so he didn't pay attention ball. Fairly like lady. What, if he's gonna play the dumb jock card? I'm column bull, I may he knew what was going on here. I gotta go point and so here's the deal you

Scott engaged and as the new daughter in law you Can there with money boots in their kitchen, and you start throwing your white around demanding they keep their word. That's not I go over so your husband, Who apparently has no idea what's going on here needs to step up deal with his parents He has a hundred eighty thousand, all alone in his name. You married him. You have a hundred eighty thousand, that that's the legal facts, if Mama choose to keep their word and help That is wonderful, but you have a hundred eight thousand hours in that you married a guy that NATO's northern bet, you guys knew this year going paying it if they don't, because this legally your obligation, and he knew this was going on ball. I told you this was, can be good I was,

to be the way I mean this eight ten thousand dollars in that, and he thought it was on the baseball scholarship me sign up couple piece of paper not have watching when he was a ten year old kid. I believe that A hundred and eighty grant you don't accidently fall in Bangalore, nor do let's just bull. Where did he go to school work? Fifty percent is any great ass, a lot of money. Now I mean for about one. Twenty, that's probably include, the interesting stuff? Well, I don't know how long held it out. People were maranon elsewhere. Barbers in long beach. I Barbara welcomes that over amnesia hate, even Anthony He thinks you taken my call and looks at it to get your advice will give it a shot long time, I'm a long time listener and thanks to you, I became that free in January of twenty twenty, though I'm thrilled to dare to be there I'm gonna be retiring from teaching and allay next summer and a good move.

Junior woman found in his life lived. I right now making a room. So I can save money for retirement because I had literally no money for retirement before I was debt free while good for you. Thank you. It's all thanks to you and your folks, I don't know what you did and I'm proud of you well. Thank you. So the question I am asking is my son planted. the North Carolina in a couple of years removing near them, so the first move she Virginia and then their plans Article North Carolina. So my question is: should continue. running in Virginia towards couple years, if they decide to move and when they move, I have a very small pension and less than a hundred thousand dollars in pretext, even though I'm pretty limited but the, but it could take some of that protects money and put down twenty unlike a tannhauser condo?

and then either rented out when they move or sell it. So I'm debating, if it's like face three years Could I continue renting Should I take some of that protects money and then to something and then either hope it it gets. A more value. So I can tell it without taking a loss or renting it won't work. We're not gonna hope, de LA but research yeah. Ok up so, if you think you're to be their two years or three years you ride on the Bob polished whether this is gonna work or not. You do not want to keep the property. When you leave you do I shall it when you leave Ok, so knowing that we're going into a situation where the fairly short term ownership, the only way this will work is, if the mark in the area that you buy, the Congo is white hot, and you get this testing from your real estate, agent, Godaddy remedied outcome at the e lp for real estate in the area and somewhat

the kind of thing and one already doc. I ask them to send you some statistics years. The two numbers you want: ok in the land, five years. What has been the average annual appreciation rate of condos like this one. Ok, I like them when you're looking at or the area that you're looking at or whatever, and what is the average days on the market. We call d o M days on the market of homes in that area. Ok, they're, usually you're, gonna correlate, meaning that if The low appreciation rate a long day, on the market, because a market slow which not goin up it's hard to sell it right, click show you she had two percent appreciation right turn: seventy days on the market that man months, you do not buy that condo, you rent in that way, because you're gonna get stuck with it right

now, if the condo instead says an eight percent appreciation rate and a twenty seven days on the market average now that's one you can get. of an it's gonna go up eight percent a year for three years or two years, which is gonna, be enough to cover your expenses. You're, not gonna, make a tonne on it, but you make a little bit and if they decide not to leave you already own it. So that's why I look you looking for something where the numbers tell you not. I hope, but the numbers tell you that real high, likely automobile will get out of this thing when they move to North Carolina and I'm not gonna losing they make a little bit and it's gonna be easy to sail. Excellent and now have used my wheelchair for that. That one ready to go the amount that thank you pull that Arthur Miller statistics it. So it can take some five minutes to pull up what I'm talking about.

quick rings study on the area should not hard at all and on its, but it should you what you're trying to ascertain. How can I get out of this without losing my and EVA, like how you said? Do the research first cause? How often do we see people just jump into something in their stuck in it, because I was a great deal jumped in now a really wasn't a great deal because they can't get out of here now and you know we talked military families a lot and there you know they're there at a location for a year, two years to three years in and then they moved for talking to God from San Antonio here as asking while gossip, where he lives. Antonio, now, for right. Now we're out your military, oh yeah, millions on when we move on and thank you for your services and so on in that, but you don't whereby if you're gonna be somewhere two years right in most cases, unless you have a white hot market,

the step into this room future- yes, folks, morgue rights are really low and, while that's great news watch out for mortgage lenders with a slick pitch claiming they have the lowest rates, those deals often come with bad advice and hidden fees. Instead, I want you to call Churchill mortgage to buy a new home or refinance because they think, like I do, call today triple eight alone, two hundred or Churchill mortgage dot com. This is a paint advertisement, animal s idea, one five, nine one: animal s, consumer access, dot, org, equalising lender seven,

Forty nine Mallory Lane Sweet one hundred Brentwood Tennessee, three, seven: zero to seven in the lobby of Ramsay solutions on the dead three stages, arrogant Bonnie, which can only mean one thing that their debt for aid regulations very cool. How much are you guys bite off? We have four hundred and eighty nine thousand along this take six years eleven months and you're range of income. During that time we started. seventy seven and then we dual income and went down to about sixty five to seventy for five years with binding common home and then we're back up to a hundred around a hundred dual income while excellent, what do you do for a living, I'm in purchasing and I met part time first grade teacher very cool

that's about as good as it gets. So, where do you guys live? We live in doubt and taxes, which is near what it's like an hour north of Boston, Open, I go. I welcome to Nashville congratulation so six years. Eleven a hundred eighty, nine thousand and belt in Texas, I'm guessing you paid off your house. Reading ass, they lay down worry completely different thing. How awesome is than we had a thousand dollars Donna car right when we started but the rest of the house, why really could lie like why? Why pay off the hook what was the what's the story here? Well. Well,

began, was so with our first born seven years ago, I kind of had my nesting moment was looking at the budget that we didn't have a realizing how tight it was. We still have the car payment we're looking at day. Care and country lies in how tight it actually was in so paying off the house wasn't the initial goal. The initial hoping goal was to find a way for Bonnie to come home. We wanted to have two or three kids at the time and after we did the first Euro based budget for the first month or two we saw in the numbers, are we really we wouldn't be able to do that?

First, dream was really for me to change my job so because of you, Dave cause your team and really looking at those real numbers. We realized we needed to make that change first, but then, over the years we just gonna head that goal of like one who did the house do what we kept. You now go into paying off the house, so he kept saying we want to delay the house and I was like out: ok, maybe maybe like let's just keep down we're doing and then just kept going and then it happened- and it was in this kind of amazing That is so fine. What's this house worth about three hundred jars, GAD, I've done detailed research or a hundred percent. Forty mergers are how occurred on home with a mortgage you're not up for that. Well, you know they loved a store because you are making sixty five paid off your home and a here a lot of people say only make

thousand six thousand hours. How do I get out of debt like what were somebody key things that helped? You will do that when you know do this whole process, you weren't, you were making six figures until recently saw what was the sacred, but for me it's the boring answer is, of course the budget is truly a paramount in plenary and won't we really realise that people think maybe one month to the next month or not gonna get too far off track, but get used to whatever you're doing at the time. And so, if you stack three or four months together you go from eating out, like maybe seventy five dollars a month two to fifty a month, but it's happened over six months and do not realise that slide. So having that monthly, we sit down the book it has to go to your only figure out where we're going. It really kept us going on on our goals, but actually so Bonnie suspender, but she of the am schedule. Let me tell you, I was a dream. You can say what he would have. We would have we put an extra five thousand dollars on house. What would I do

it literally. It turns into a time machine, as you see those that would take six months away. Like you get sucks six pass your life, Those are some of the really fun when you get like a three paycheck month or as for those kind of things, have helped us to visualize and see the value and putting them money there instead of to a car or vacation or something like that, and I think, as the recent data mom for all these years until just now, when I went back part time and being able to make those daily decisions of I'm not gonna, get that expensive, coffee or sure I'll take hand me down. Kids clothes from a friend like making those daily little decisions, helped us towards this goal, saying no to the little things. We could hit this big ol with huge. We call it excellence in the ordinary, yes or no data. They things when your actual in those you wind up by a thousand catch trying to tell you when you don't win with one big machete drop, the most people

that's well done. You guys areas were were here is because you gave us the bee. Hag Dave, because of you, and so we wanted to come here to say thank you to you and your team. I listen to you most mornings like last five years. I am, I would work and in anybody else, on radio who is still working on it, keep going yeah he's going your times come in six years, eleven march? Yes, so what? What enabled you to have that kind of perseverance over that of time was just watch and that I am scheduled. Without I mean what was it I mean honestly, life has been good like we haven't suffered for the last seven years life awesome. We have three beautiful kiddos. We started at the very beginning with the first so I remember when I first our first budget meeting, our oldest was literally a month old and I remember like bouncing him in the kitchen take on like near the kitchen table. While Eric did you know, paper

pen and thinking like what in the world are we doing and now to look at our oldest and see how big he is and that we ve been doing it for all these years, which has become a part of our routine through the months that we don't want me, as the free spirit doesn't want, you. The budget reading does continually pushing through that, and now it's just a part of our rhythm and if there's a month that maybe we're like a week late into the month- and we haven't had time to do our meeting like we start to feel a little a little off because we haven't said we haven't said our are our budget. Yet so it's just begun. It can become a part of them, which is just enjoy very cool. You guys well done well born, were proud of how things are. Gonna show absolutely fabulous. We gotta copy across Shoguns book for you every day, millionaires that is, of course the next chapter

story and the three kiddos had been born while this journey on their debt freely with you what are their names and ages, this is like he seven look. This is Clare she's, five, and this Well, Asia's Thurii you, you don't gotta boasted wing, yeah stuff, our I hear they are Eric. Bonnie Luke Clare and Lily, a hundred and eighty nine thousand dollars paid off in six years, eleven months: Viking, only seven two hundred km Madeira debt Breach group ETA, guys three too, why were you go you absolutely awesome man, you know if

we hope we will have to live like no. One else will later they can live in like no one else. Most people can stick with it for a little while, I guess a couple more maybe even a year, six years, an eleven months, seven years it s a long time Dave, but Most of you can't even watch tv show her without changing the channel. Oh, my gosh, six years, but look at that. Look at the bureau family down. This is all occurred. Yes from the term that big, o Luke was above

beyond her shoulder their first budget meeting, and this is that this is what it physically looks like for a family tree to be changed you're looking at it, you know of one thing I learned from Mr Davies, especially her being spinner. She said I had to have self discipline added. Tell myself now, and I can do this gotta look at it this way and always tell people that discipline is to break from where you are now to where you want to go, and so they are here. One hundred percent debt free own there a home. Now they can really do and everything you want to do, son of people go artist. White knuckle my way through discipline, honest hold on not his grip Monteith. Now you gotta, be you not in a holding on your reaching for something S past and the pain. No discipline seems pleasant at the time the Bible says, but it yields a harvest of righteousness. It always call should yes to win, it always call, should win, and caution to be mediocre, illicit, always a price to be paid in this call. This hour day, they were making sixty five thousand.

When is not a whole lot of money. When we start this secular way to go, you go, oh very well done. That's so powerful loved this. Is that a Ramsay chef

watch Christmas mean family food, probably all think about, gives both getting them and giving them I wish them on your list, which are by four instead of handing over a random gift card. What, if you want, if you help them, make a real impact in their life? How could you do that won't? Give me, any plan and the confidence to know their situation right now doesn't have to be the reality moving forward. It's a gift and one can use this year and we ve got great art with our Ramsay plush bundles. So you get three plus, which is the all access membership that includes the attribution of diversity, every dollar the whole thing, plus money tools, plus the tea.

plus even more contents, its customers to where they are right now in their money journey, journey, shop all the rooms you plush bundles and you can give it is a gift. Ramsay Cage Giveaway remedy Christmas cash give away for you no partner, sir. There were given way five dollars. Wait, don't miss out on that so I've, Ramsay dot com, slash, store and check out the Rams reply bundles, it's the whole package that'll help somebody get everything they need to do to get moving Clarks Weathers in Phoenix High Clark. Welcome to the Dave Ramsay show anything to me. I'm sure. What's up this quick question as far as with covered and the ability to pull out. Following K. My company thy word for word matching for wild three percent of I was contributing. I think we're going public or something like that. The bed it actually done away with that programme,

wondering if fires just no penalty is a good idea. Bearing in mind that the wall to pull out of that only right now Forty five dollars to pull out and then this pay off the big chunk of my credit card that and to do list steamroller anything now. I would not do that gap that gets really dumb, but the government did this because now billions and billions of dollars had been pulled out a for a one case and people are destroyed a retirement because of stupid, but legislation. So now I just because a government allow judicial, too stupid domain, you do it so the it's almost as if they encourage it. So there you stay broke it just crazy. So now I would not do that. So you

how much credit card daddy. You have total about ninety four hundred dollars and how much other dead do you have other than that Karl on for about twenty two? And what is your income about? Fifty two, fifty three very much your garden, yeah, we're gonna cars, it and they want transport, how much does it work? That's the sun part about, I think, fifteen to eat

I think you're there on that, an you're making fifty two and thirty thousand dollars in that give or take show it's gonna. Take you. If you live on beans and rise, it's gonna take you a year and a half ago. Yes, and that's what I would do, I would leave the fora. One k alone would stop adding to it, though New AIR Clark I'll pick up of actual job yeah. Let's do something gets metro him come coming in and accelerate that eighteen months down the Twelvemonths, absolutely that's a good idea, and I guess income man, it's a magic wand and get her. This damage is credible, and so you could be dead free six months sooner. If you work part time jobs just for a year. The present- and I get you something that is a good part on drivers paints

his box and would leave? We tell folks not a cash out for a one k and wishes to avoid a bankruptcy or a foreclosure, Jaynes and SALT Lake City. I Jane. How are you you might have answered my question, but the lad tat was the question J destination, but the question is, though I had zero die. Well, I'm finalizing divorce situation and so mean my three kids are currently when gene, which is pretty prayed me will be. Are we giving my a portion of his or her Kathryn? like that modrow and the beginning of the year, and so what are you trying to? Despite is if it makes sense to Geneva of their retirement? the need for the future or make them in any way to use a portion of that of a down payment

now come from you, my kids, though, that were not wasting money and went are you running rent for very long term, now know now? What are you may have an income? So am I in town I M back at all, but my info is probably seventy thousand a year, but that's just one child Coronel money, you're back at school doing what So are you getting ready to replace the respiratory therapy programme? Are you borrow money for that? No, I have money that if bade we set aside money from the thought, our homes paper, my school for the night. three to five years, I probably have like thirty thousand in the bank to paper my going far quicker degree.

has a long. How quickly, when you get it, I'm probably for years for now it was eight. Why was it took three will have to pay for the programme in the spring and then it was dark in the bow and then at the two year programme. Oh yeah, there goes up our sleeves to you, trying to figure out why it took you three okay, that makes sense so text you at three from right now, because you can't get in until next fall and in the interim. What is there anything you can do to create income, the situation where what we decided to do with the divorce? I have as not quite see your old. Though we were way the opposing handed me working, but probably a job it up. It wouldn't generate a lot of money, and that was pretty much a paper data

that must not mean that we were really interested in there's, not a wee air divorced right now I don't want to do it members of the real mother I'd rather not my daughter and later at this young woman age I worked for a long time and then I fear that gonna say I'm on my other Catherine own unchanging. When you're working on was an underwriters, whereas the whole credit union- and you made what oh, probably like eighteen an hour are the show you ve gotta game plan you're not going into that? No, I would not house. Until you finish your degree absolutely I would read something as cheaply as you possibly can. If you're gonna buy a little house will go Rennell House, and I because right now, what you're reaching for is stability in a very unstable.

a little situation where there's been a lot of emotions and lots of things going on, and your somehow equating house owning a homeless stability. It's not necessarily true Shall long term everyone should be homeowner short term. I would be a ringer if I were in your shoes and though I would not cash out for a one Katy go by house under any circumstances. There's not a circumstantial Matteo. Do that. Why do be Dave? Why do people foods of renting renting is so horrible? Well, it's been taught to us for decades that renting is throwing money. One and it is throwing money away over the scope of your life right, because someone at your paying for someone else to own something that goes up in value, and so it's not a good plan longer.

But a short term when you're, in the middle of a transition time like when you're going to get a new sort of occasion to go into a new career after a marriage came apart or any other highly volatile, transitory time, and you don't need to be bought a house where the Miller that right twenty minutes after divorce papers are cooled. You know it's just that you need a dish. it's ok, rent is patients, yes, until you're ready to do it with wisdom, see rate by with wisdom and its. It is not a waste. In that case, it is money well spent in that case Erika. This is home movement of young keys, twenty twenty one, twenty two is happened by Hauser Town home in flipping. Put ten people in my pretty way This is no wise. Now it's my wife, renting, there's nothing wrong with! That is largely a path to ownership and a path to wise, prohibitionist

this is that I roundly show this is James Childs producer of the Dave Ramses show on your smart speaker. You can add our skill by saying Alexa open the Ramsay networked skill from there. You can listen to all our shows Ass day, money. Questions like I do. I invest my money or what is the debt snowball find out? More Dave, Ramsay, dot com, slash smart speaker,

money, isn't the only thing we talk about around here? Get life. Changing advice on your career, for my good friend and career expert can comment on my can 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, can Coleman show is for you, everyone has a sweet spot yours spot, is at the intersection of your greatest talent in greatest passion we will if you discover what it is, you were born to do and then we'll help you 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, pretty or of the Dave. Ramsay show