What is it all about? Studios, its thirty day, rams we're debtors, DOM Casual paid all taken the place of the Bmw status symbol Makarovitch today only a regulatory Rwanda showing off a remedy personality. My daughter, you book, you, Google, you too, but are you Buber? here we go dollar yoga caution. The nice version of the family and people like her on Youtube, because she's not nasty to act now

that's it I'm bolt, sometimes amicable, your bank and other much. I mean we have different approach of how we take them we give the advice. Sometimes people love you, though that's motherless, fingernail, That's: u make good radio! Well, it's compelling screw. You could build the list I will go talk you guys about your life in your money, we're here to do that and will obviously have a good time doing it. We hope you are triple eight, eight to five five, two to five years, I should free some say it's worth what you pay for it: atoms in Philadelphia, Hyaena. What's up. What are you doing and was an undeserved? How can we know so? I think my wife and I bought a house that might be much worse,

well. I guess we'll talk that time to discover it too much after you, ve already bought it. You have reported in late two months later discover do not back the greatest timing was really done it beforehand. That happens a lot that automatically so what's a wet other. What's the math what's happening so I mean it's not like I'm definitely, but are so they ve come what I understand it. We want our borders payments without roughly twenty five percent on a fifteen year war about thirty point, five on a thirty year fix mortgage and we fill out that I'm not sure, like maybe job to their, including that new downsized bore it. Maybe I should follow my god. We sit down side now, there's two levels to making it to two levels:

Panic are there's two levels of something of motion that cause you to move on this level. One is panic which you can't exist today and you can exist today. Ok, there's another level that says out there for five years. Are you still not prospering because of this thing, but you ve been able to exist. Ok, you're, not in the first one you're, not in a panic, you ve got a you, do have a little bit too much and you ve accurately identified that you and more than we would tell you to sign up for show What is your household income and what do you do for a living? But before tat worked out, one look at one point be based on bonuses. My wife and I are both teachers. Okay, so you're, probably not gonna, see a sky rocket in your.

Come on. We're not gonna projected gonna double in four years right now, we're about we're both chartered school teachers with well, though she's the form, but I'm talking about the inflation rate You won't see much decline, the no camp and how much debt the you have other than the home twenty four thousand, not too bad you. I feel like you out, for you Adam you kind of our on that on that cost, ants and wet sweats hard again, it's like a cave look out five years, here you go about. Teachers like you said so, don't like you're gonna make commissioner and of Yoda like just blow your and come out of the water kind of thing. So so you have to take that into account and then do the math and bigger, ok, how quickly are or how much are willing to sacrifice to get out of this twenty four thousand dollars of dead. How will take us to get an emergency fund like kind of guy to map out like the next couple of years?

mathematically of what your monies gonna look like and then see where you guys armed like ok. If we had a twenty five percent take on pay mortgage, how much would that be, but we that extra money? Is it worth it at that point to sell em by another house and go to that whole process. So it's kind of one of those who is fifty percent of your take on pay. It's like a no brainer for me. You gotta go now. Thirty percent of its right there at the at that? You know come about edge? then get somethin. You in your wife you to talk about it's ok. Is it worth that of what we're gonna save? If we did get a lower mortgage and indifferent House or are we gonna be in this You have to sacrifice their parts of our lives to get other staff faster agreed. Let me give you a strategy that goes exactly with what she sang was traverse. Ok, let's say we're. GonNa Tudor extra after school, and create some shot income we're gonna get away beans and rice russian beans, budgeting clearer, but twenty four thousand which stuff.

Already knew. We were gonna, say right and as soon as that you're dapper. While that's cleared up, let's run the math out and say if we were to pay This mortgage, that we currently have at the current interest rate at a fifteen year rate rather than a thirty that creates a payment of acts. What does our income need to become so that that acts is twenty five percent of it. And lets say that within three to five years, somewhere in that range. If you dont get your income to that level, then you probably are having a house that slowing down your progress, because the problem having a high house payment is not that you can't pay it in your case cause you can pay it the problem, as it were, he's down everything else showing eager to buy an ex car? You didn't have any wiggle room in your budget to save up to pay for the car. When you get ready, Christmas, your goal, you're having a bug really really really tight, because all your money being sucked up by a house payment and, in your case

all of it it's just too much of it. I didn't you can make it you're just going to make very careful choices and I think you're in I'm gonna reach that twenty five reach the point that you're paying a fifty near all, Miss Mortgage and its twenty five. None of your income. I think you'll probably reached that in three to five years and so you'll be fine. It's not deal. It's not what we would have found your poor, but it's not bad enough to Of course, the sale of a house artificially right now, ok encouraging. Yet we will get the work right now will make we're doing we're gonna work gaps only an hour at the other side of the coin, too, that we do talk to people in they decide on their own, even with all about math. Aren't you know it's not worth it. Roussel get a small house in just go: have have money to go crazy on debt and lifestyle and all that we have whether ruminates worth it for them to do so again. It's

get either or answer, and so it's kind of it is up to which you guys, but you guys want, because we ve heard both sides- the story Rachel giving example about that's, not small items. Croatian, but when you were a tiny child, a couple that was in our church and they had three kids that were older than you all and we considered them good parents, so we were kind looking his parents of babies were kind. Looking at this couple like conflict have parts of their parenting. I like what they're doing they'd right before we met them, they had moved down in house. Like thirty percent down, I mean way down, substantial change and neighbourhood and house everything, because they felt very very very strongly in their house, and I'm not impede this on everyone that date that the law We want to be at home full time with her kids and the only way

He could be a full time at home. Mom with goods was not in the house, they had so they set were making a choice. She can either be home or we can have. This house we want a home and of them home and they did end up raising great kids term for that matter. This is that I am sure, a business, Anyone who has to talk with customers often listen up. You are the backbone of this freaking make an just by staying open to serve your community year, providing hope to your customers. That's why my friends,

podium want to do something special for you there offering you the opportunity to text your customer base for free, so sign up at podium, dot, com now and join our crusade to communicate, connect and spread hope, that's podium, dot, com. My caused on the air today, Ramsay Personality number one showing author times over with a new book out. No yourself, no, your money, resale right now: Rachel grudge Rachel Cruises, my daughter of course, and on you know this- is this with part of her story right here. Nearly every great success, never again moment. Were you run into something, and you say never again my going to hear that

May the originals born and nineteen eighty eight I fell by group see that Europe should never again, as my family gonna be indisposition. Never again is American Express gonna call my house unless it's wrong number. Never again, are they gonna? Take the water made her out of our house To make sure that we can turn the water back only illegally. Never again are we gonna feel that level of stress around money in our home and once you have that, never again moment changes things. Some of you are. That moment because of the economic upheaval caused by covert you ve lost your job. You been fur load, you been pushed, round, even pull around or even afraid that you're gonna be, and you're, saying I don't have any money and humbly boy in debt, ever again. Am I gonna be in this place. My grandfather, never again moment in the great depression

so they went I'm pulling nails out of boards with him and nineteen seventy to it. Years old. I got they throw the nail away, and he should oh, no, no, no. No, we don't throw that away. We put that in a coffee. Can we straightened out we're gonna, keep it cause. His life was changed because he said never again, if you're in it were again position right now and you're ready with a lot of our stuff. Vital to your Ramsay Plus, is got a free trial running right now, which get you into financial patient adversity A lot of our life. Changing books and tools are seventy three percent off, and that includes our kids pack. The adventure pack for kids, which includes a box of teaching red part, but Tom Stores, to read the children. What about you? I don't got my own kids buck. You re in there. You know you're the subject anywhere near Esther. Remember my name yard you. Yes, I don't remember that in my book you don't

with these segments ago. But I remember this peculiar spoke like oil careless at the carnival careless with the carnival, doesn't really happened. It did really happening. We talked about much more money for kids. I think too, that yeah yeah yeah as every parent. Now Your kids are obviously also differently so yeah. I was the this, but still am the spend our kid love spending money still stay less money and I spent a too quickly and that a theme park and you guys at once, you're monies It's gone, you spend it all on the games. You're done no more and I spent it like two minutes plan some three games and I was like I am more money. Should the water in the clouds mouth and blood the blow near the coroner rather Carney stuff a rip you off, though games are all designed to lose. Rachel You're gonna lose and you're gonna be out of money and you can be wanting the rest. The daggers we're not gonna, give you any more money. I oughta she wanted but she had perseverance really tried to religion.

Get some more money, so is so as a kids book, because our Are there and to teach kids, those same council things, but they don't don't be impulsive and other countries. We are spending and you Joe about being spent- or it is your nature, but your very mature and very controlled noontide learnt. Yes, you have developed a supply on the scale. That's nerdy you're out of control, but it gives you an adult view on spending resurrect verses, a child's view on spending for shark. Yes, what that's one thing about the budget? You know that talk about that. It was so hard for me, like the budget was worn part of of person, and ass. I was so tough just gotta, mockery details. I felt like the whole time budgeting, which, just like all constructive, you can't make fine like you can't do anything else. I should I want to do budget and then doing it and living online plater. After once, and I got married and realizing well, a budget really gives me that permission dispense like it allows me to spend the money while I'm in

Trawl there still guardrail, sir so boundaries, but I can spend money now without second guessing, with Worrying without stress like all. They really is this tool, my life, and I am able to do it. I love a k, spend money, but I am doing it yeah with a boundary and place, but it just if it's so much, it's so much more enjoyable like even Amelia. She started kindergarten shit after they are full days Monday. So technically association has now started. Putting myself, I saw a former days through most technically isn't started, but we did some back to school shopping stuff, for close, and I put it in our effort. Our budget, like back to school shopping within a dollar amount cells, able to go and like we're ever pick out some staff and get it, and I wasn't We doubt I wasn't like allows us to manage this. Ok like it was already all questions are answered when you budget and will you spending control so yet that is, may I went from Cairo a carnival to an every dollar buddy. And I love it like a lie,

have you ever our budgetary. If you know it, the transactions come in and you get to drag and drop em, so a favourite of it I do turned her into a nerd. Shall season Utah Chelsea? What's up So if you want a question, so I didn't babies kept too, but I just had Like aha moment where I know what I want to do with my life and I found that I want to start a business. Igniting home right, good. He ordered picky leg. Legally I'm gonna have to put some money into it, which is its knocking Any more than five thousand dollars does not take five thousand hours. She started home organizing business. Well, I have to get like why He says, unlike while you were in classes. They're not going to take a clash on organizing.

You are how ready and organised person. Look up organizing on Youtube and watch it for five hours, you will have become most anyone, most educated organizer on the planet, just handouts from card should go to people's houses and take their money. For that you don't even need to get a licence to is it's not you go to operate a single person. Nervous oriented business, where you go to some one's home out of your home on a small scale in any municipality, you have you, have you built this up to be way bigger than it is just go? Do some work make some money Ok, how much you got charge? I was thinking probably like a hundred to two per room. Where'd you get that number. At my boy

probably allusion pizza Laura bursting, lose it altogether, as a hum organizing, it is like a fad right now. There's a lot of instagram accounts. There's a lot of people doing a lot of people doing its hope. You will. You will be able You will be able to do it well and then, and then Ask Europe from different companies. And around to see what they literally archer online instruments from research for organ. In other words in your area and try to find out what their charging and so what you do is you. Competition in your area in and people that are doing it in similar sized cities across Amerika. You can do all of that with some simple goop google searches- and

Then you'll figure out that its ten dollars a room and not a hundred hours room or your figure out that they don't charged by the room they charge by the house or by the hour or something I'll show. You look at different pricing models in different ways to pull this together and you lay that out and on your report oh yah, evocative close my eyes. I could keep talking. It's gotta, be a former owners of the Sum Yeah? It's called in business when you're looking for you look for successful people and copy their ideas. We call it best practices and so for launching marketing campaign or approaching structure or a business model around here we try to find someone who's been six following that space before and we Emmy? or model or copy them after that. So I thank for the cop. This is the diver amnesia

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country are discovering a faith based and budget friendly way of meeting health care costs through christian Healthcare Ministries, Christian Healthcare, ministries or c h is a non profit organization that helps members carry one another's burdened with healthcare expenses and they have successfully share in each other's medical bills. For nearly forty years c c h is right. Bring you by visiting C H, ministries, Don see age is a proud sponsor of Dave. Ramsay live events. In the lobby of Ramsay solutions on a rainy day galaxies whether say Alex our area, aid aid- hey Rachel. How are you welcome? Where do you live? I'm from hybrid? get cool, welcome to Nashville thinking and all the way to do your dead, free screwing? How much of you paid off about a hundred and ninety three thousand nine hundred dollars?

How long did it take? Nineteen months this and what your range of income I started about. A hundred thousand worked its way up to about a hundred and sixty and then now covered shifted that a little bit since then broker. What do you do for a living my software engineer for data politics with the healthcare company. Then you are taken but yeah well, very well done so one. Ninety, four! In what nineteen months student loans knew, what was it was you paid, was everywhere to fit out where you and twenty seven years so it is an idea what you did it out? What's this? What's this house worth I it's probably two. Seventy to eighty now could eighty Lord so amazing yeah,

It would be like our air. It feels great web nuclear running it made you Alex, want to do that, because that twenty seven alone people just going to settle in with the mortgage and just say you know it's just the fifty year. Why did you do to kill it? Well, I my story, started before then, probably about ten years ago. I graduated college, you know anything about money, but it happened to listen to parliament, got books from family and was able to pay off about thirty thousand and do loans. Pretty quick and I love you. So I kept listening to the podcast like breeding your books and it just was more and more ingrained in me over all that time. So, my house two years now a girl- and I thought I'll, probably do quicker than fifteen years, but I wasn't gonna go super gazelle. Then it became a game. FI, throw this bonus at my house. If I get an extra room to live with me and I

bring not end? If I get an extra side hustle, I think one point I had up to six side hustles. While I was doing a lot. I liked sting busy kind of did what was the most lucrative probably having roommates for sure anywhere between two and four at a time. But I had a couple catering jobs, turned all of my passions two Hobbes, so I love fitness. I became personal trainer, awe of air bunch of other little I'd miscellaneous things, but it became a game. The more throw. I saw my miss spreadsheet nerd through all this extra money. How many months it would take off of mortgage being, it will pay off the house and eventually down to ten years down to a downed five, then it was nineteen months, and I said you know I gotta do it, so I did it yeah amazing lingering families with you may also what it. What are they ve been saying about? This

not much they can save a while ago. There were there very impressed and they help me along the way. Became that free last year, so that was helpful. Long, my journey, yeah friends from Connecticut falling Pine just became that free, so we're kind of doing that together everyone's very happy legitimate wore away and everything you touch not gets knocked over well done something: well wow. So what was hardest part or you get your twenties set of a man in the seven so mad ok, as twenty seven year, all of your working like crazy yeah, making sacrifices, obviously not doing like an increase extravagant with your bonuses and you're. Getting now that's like how does that for some twenty year olds are watching, are listening in our thinking, man, I don't know, is it worth it? She didn't have a very good life. I was still a little bit import college student mode, myriad step above that. But able to save a lot and I

and it really need to spend money. I knew what my needs were. Verses wants and prioritized. I wanted to get my house paid off. It seem like a great goal. So that was my priority. I stuck to have you always Burma, gold rhythm, like censure, look here even probably some of you, I always get either at the entertainment for you is knocking stuff over yeah I mean knocking. Also cynical, that's entertaining over more entertaining going out to a club bird go. Another trip entertain for use, knock and Sunday getting Talkin about. Raises a Muslim and we'll get that than even now. You just shoot your built that, with that incredible. Any applied to the subject matter yet, while exactly and obviously to your career as well we're making an outstanding- and I am personally sir- so just touchdown girl the ghost re Alex Somali what was the hardest parts? As you know you, you know

the twenty year olds watching right now. Listening has impossible, even know how. How did she do like what would you say if I go yet this was the tough part of its, but obviously does not only do not all unicorns skittles roaming or maybe it as unicorn kettles! So I'm a very disappointing person and so it wasn't that difficult for me and I knew what my goals were and I stuck to it in some days last summer I probably work sixteen to eighteen hours at three or four jobs a, higher? I was tired. I come home and I'd have roommates all over which they were all great people. Buy You know. Sometimes you just need to relax every wine, but I knew it MIKE. Always, though, as the time has not made a ban. I was able to get through magazine absent incredible, Alex absolutely incredible. Unborn y know the bumper sticker on her refrigerator doors is no whining. She knocked at the door. Incredible, absolutely incredible, very, very, very well done

Ok, so we have somebody out there that has a mortgage or has a large stood alone that that's in your age group and we have all read news reports that say some people think in any age group, but always in your twenties, it's your more susceptible to it that I'm stuck, and I can't get ahead. So what would? What do you tell them from your life experience? You literally paid off one hundred and ninety four thousand dollars and nineteen months. So what do you tell them? The key to getting out of debt is because it can be done. You're standing here is proof. Yeah. One of my favorite sayings it started when I was big and fitness came into. My financial life is sacrificed today for a better tomorrow. So you'll make your life better with the things that you do today, you you say multiple different versions of that same quote throughout your show.

Ah love, Lord, no one else show later you examine. I have like no one, it yeah yeah and it feels great when you're there so just pursue. So basically, it's a short term sacrifice, and you can you can you can do almost anything for nineteen months yeah, you really care. If it's only ninety much, if you do that for nineteen years, we would call you a workaholic and you'll be out about psychologically nothing else, but for now Much is paying the price to win the Superbowl, and now I have so much freedom. Because of that you can do anything you under the rush. You live here and be a multi multi multimillionaire before you even forty ethical them. May I ask myself: the math is unbelievable. You take a hundred fifty grand a year, culminating you have zero payments in the world, no house payment even and you start investing just a decent, Some of you have an incredible life of consumption and generosity, but just

resting a decent share of that it turns into serious matter that feel that the moment you pay that last mortgage payment, it was great Ah I was in office and it was two days before Connecticut shut down for covered woe, and so is able to do a little. I'm not free scream with my family could known as an office. I was alone, but history is great. Amazing flying overhead and you got no payments exactly I didn't have to worry. I wasn't really worried about jobs in particular. And it was pretty stable, but I still had that in my pocket. Outta. The worry about your show impressive. What a hero think well done. Your inspiring to our viewers are listeners. Everything else. Absolutely absolutely incredible. All right. We ve got a copy across Shoguns book for you every day millionaires, because there is no question that the next chapter in your story so very, very well done, Alex from Bloomfield Connecticut, twenty seven years old hundred and ninety four thousand paid off and nineteen months

That's how soon everything she is hundred percent that free she's of provisionally Weird Canada down, let's era dead, free scream, three two one dad. Absolutely incredible amazing so impressive wow. This is that I rams issue

I read your brains, rams your personality, not borne by showing others Michael vote today, you're on the earth. Kiley is in Kansas City Kiley. How are you I gave a low rate all my windows that we should probably going. Like we're coordinator, but I think we just whatever the hell didn't, seem a little bit more confidence. I get it we're doing it any facts for about four years, and we started with a hundred and thirty four thousand in student the non mortgage debt and we found this house about three hours away from family. We promise help its people her for were eighty thousand dollars and we just calm down at last week, so we have like a bridge

for that, and we have our house a Kansas City under contract and is looking like will have about a hundred and thirty two thousand dollars. It proceeds from selling our house So it just true that decide like do. We pay cash for this house and home town it needs about. Thirty to forty thousand dollars in renovations to be livable, we need to pay off her student loans in about sixteen thousand five hundred left and that we need about four thousand dollars for baby step. Three So we just want to make sure like stewardess money well and making a good choice with this whole. Until long payments have been like that, we ve had some people kind of say it stopped. All your money right now we are already bank should do take under that. So some people are struggling. You're a financial peace. Overstate coordinator, you know the answer to these ideas, Guess we're just Araminta show what would you do? Look? Why? Don't you tell somebody in your class? What is that?

what is around the answer to your question- the work that the pay of our lands squarely. They do step three, and then I guess that's the issue that we're having with paid off the house in the renovation is just. If things come up, that it ends up being more expensive than we thought like we ve done, are due diligence and what we need to work on the house, but there's always surprises that I don't wanna back ourselves into a corner and then not have the cash on here to get at Liverpool. Israel should monitor household income, a hundred and twenty about them, and what does it take to get confidence in the bids on the rehab? Could you not confidently rehab bitch I think about forty now I'd like it. What does entail for you to get confident that you're rehab bids are accurate? I guess just knowing once we

I know that in a way that no you are not. You are not confident that the rehab bid is accurate. Could you tell me four times that once we get started, we think we're gonna uncover something something's going to come up. It shouldn't come up a rehab as a project. A project is estimated, will get more beards, get more contractors to look at it. Do more in depth, figure out ways to get fixed pricing on some of these things, so that you know you got a complete job for ex price and let's get more confidence in the rehab beds before you start three can because it listen. If you were a hundred percent sure or ninety eight percent sure which you feel like you're about sixty percent sure to me that it was gonna cost you thirty thousand dollars to fix this house up, you could run this out and answer the question by around the baby steps, but the place your stumbling is every time in the conversation you get to the rehab portion, you say what

part I'm not sure about, and that's what scaring me yeah am I wrong did. Did I miss something now idea? It's just, I don't think, there's somebody and now I'm going to start carrying out the pirate, because other it's an older home in your worried that yet make a floor, and it's all right it underneath Then you gotta do the foundation again, so yeah and inhuman arose that you're alive to have so to speak. I pull up a piece of the floor and look at it right like we do when we close, we found out there like beautiful, hardwood four hundred eat the carpet, but that would like a big wind by like the foundation. These work- and this is the list- will be our for power. So. We're a little colony in fourteen out like when I knew these were not getting in. Another had been nothing too much by like we ve ever had do foundation. Workin would like I don't know it's a they contractors it s like adds up and then adds up and adds up in

didn't you care on where we have to work with people like what, sent over bad contractor. You ve got to manage the project better than your outlining for me Erin Rehab for years to build houses. We built buildings, commercial buildings here, and there is an innovation. We dig a hole next door over here which we did the other day to put a building on and the buildings up. Now we don't know intensely whether we're going rocker hit, a single is an unknown, and so we can blow up a budget on a fifty million dollar project because you can have a you, can have a million dollar swing in an can all go into a hole in the ground right and so what I ain't? What do we do to offset that went before we set the budget? We do some cordials over there. We found out what the flip the

oil is and then we go. Ok, we got some bad stuff over in this corner, so we probably gonna an extra two underground on that and it just another zero in your numbers but the same process. You manage the risk of the project by continuing to unfold and and gather information on the project and tie things down? You can't just run around with your hair on far gone. I don't know, I don't know, I don't know, I don't know, that's too much stress you can handle it. Handle you can handle. It is all you know what it is and you can manage through at them and you can decide. Ok, we're gonna have to not do this portion of the renovation until we can have the money out of a hundred.

Without not our income. So if I'm in your shoes, I'm gonna do that, I'm gonna get a lot more detailed and more due diligence get actual contractor bids multiple contractor bids on things, I'm really unsure about your ensure about the foundation. Let's get three or four bits talk. It through you're gonna, start to see some trends in the way. Those guys we're talking about that and you gotta go. Ok, I feel very confident now, if you're talking to four different people, that will build a do it for acts. And it's not a hundred percent, but your confidence level goes up verses. One guy goes on with these foundations. Won't you store, you don't know what you're gonna get where you just fired. Ok, I'm the hidden another one right in so You just got to manage the risk on your project. That's what you're doing answer and really before you pay off the bridge loan. You get all those numbers together, but you do We finish getting out of that. You finish your emergency fund and then you're sitting on enough tat. We think pay off the house into rehab in the bow and the remainder, but you got em. You gotta, get your dad,

tales hometown tight, tight, tight time. Pretend like I hired you to do this rehab in your report, to me for the accuracy of your estimate, and you were working for someone else in other words, and then that forces you to not be slop, with managing the risks on these details. Rachel have been worse than runs all of our real estate, this, what he does all day long in it. Now I am absolutely walnuts. That's gonna, say to its your family home. Did any city again. Those unknowns are there when you don't have choices, you know have options you for stuck in something, that's when the stress happens, but just like me, just like you said I might get a couple of bids get options when you have options that gives you power to say, okay. This is what we're in this is. This is the reality what's going on verses that just being in your head- and you have one guy that tells you one thing? That's at so ok, your colleague at this point, you're dead free. You have your merchants, you phone and you have a hundred and two.

Ten thousand our sitting in the bank, and you have an eighty thousand, not abridgment. Ok, that's roughly, where you're gonna end up so you're by thirty thousand dollars. We think for the remaining wee wee wee authority, Thou art for renovation. If we pay off the bridge limit right to grant? And so now you gotta manage the project to get the house livable within thirty thousand and then stage anything above thirty thousand in phases to come out of your income which, by the way you have no payments and you make on enjoy thou noisier, and so you can stay agenda that I do not think this. Eighty thousand our house was gonna, eat much more than thirty grand if each forty ground, the other ten is in two phases of four thousand and the six out nor phase that your cash flow out of your income and you'll be able to do that easily because you have no payments. So that's how you gonna work it, but the stressful go. Why John collars talks about this in leadership and in business all the time and doctored only talks about this too, that the challenge does not count.

Anxiety and stress, the unknown causes anxiety and stress, and so that's what you're looking at right now. That's why I keep coming back to in your situations. The unknown is: what's driving you, nuts and making you go crazy in Follow the steps that you know to follow so all under get us into a known situation, we're gonna? If you can get this house level and I'll betcha dollars to donor chicken within thirty grand rehab, then you're, gonna pay for house and your problem we have some other work, you wanna do that you're gonna cash flow, and you can do that. In fact. That's what the number so Mcdermott Great job colleague Thankful, Munich, ordinary about this that ever amnesia

its Kelly associate producer advance greener, for the day brings. This episode is over, but if you heard about an event, product or service, it didn't have a chance to write it down. Don't worry, we lost everything you ve heard about during this episode in the pot cast Jonah section or had ever Dave, Ramsay, DOT, com and click Dave recommends thanks for listening they allow you're in a rut and living life just going through the motions, build confidence in yourself and learn to trust the God who created you check out the Christie Right show where Christie inspires you break through your limitations and create the life your proud to live pale. Kirsty right. You know it so easy to feel stuck. You'll live,

just going through the motions, doing dishes, doing laundry Harpole lines and a whole list of commitments that bring you no joy. Why we live like that? That's why I want you to check out the Christie Right, so each episode will help you to build confidence in yourself and the God that created dear more from the room she network, including Christie Right, should review Lucian Applaud catch, hates Aims producer of the Dave Ramsay show this