From the headquarters of Ramsay Solutions, broadcasting from a dollar car rental studios. It's that Dave Ramsay Show where that is dumb. Casual gaming and pay off home mortgage has taken the place of the Bmw as the status symbol of choice. Griselda Ramsay personality number one best selling author is microloans today, as we answer your questions about your life and your money, open phones, a triple eight two five, five, two to five press forward, jumper the phones. I want just take a minute to say thank you to our good friends past.

braggin, Amy, Rush, Rochelle Life Search and the whole team at Life Church in Oklahoma City. We were there yesterday, all day, doing doing pre taping some things and then last night that our reset event? Oklahoma City last night, Craig spoke and you and Rachel, and I and about two hundred and forty thousand people or registered to watch it. It was the number two thing on you, too, in the world the only thing ahead of us on Youtube. Last night was the impeachment hearings and you ve got like one negative thing going on and one positive one positive: that's where there are helping people and the all of the speakers were on their a game. The delivery was incredible. Craigs talk was off the train and other team behind the scenes, our team and technical team and the gods,

life church to build a push up like that offer two hundred thousand plus streams going through Facebook Youtube anything else out there. It was. It was incredible, it really was- and you know what's it in this time right now that we have gone on people need hope. They need a plan that actually works, and I was so excited to be a part of it and, like you said that church and the whole entire team, there is absolutely just they have the heart to sir and so it was just a great opportunity to be there with them and to help people. Well, then, I only want to argue- she's America, but they have not the largest church America, but their technical scale is world clashing ministers that these are the so put out a? U version Bible Apt that has a half a billion people around the world using it with a b? and you, those pretty crazy and an anti of all about Helen in size and scale. There is not an easy

person in the building now I've known Gregg, fresh Gregg for twenty plus years, since he was doing the thing out of his garage and it is just grown leaps and bounds, and he has personally grown through that time, and just incredibly humble and loving serving people. Yet that's the word than I can think it as he was hanging out just talking to, just his heart. His heart is to serve people then hold aims at why the whole team everyone now not to mention they got like command central. I walk by that, and I was like is this: this looks like you and me some states, and yet our financial, let me go into turns of knobs and I didn't I don't know what I'm doing Vocs Fox business wishes they had set up like that. It's incredible zone, this event was obviously a blast. I was there had a chance to be a part of it. Can people this Dave after the fact, other we're gonna autumn. We were running. It live of course, last night and I think the gas for posting it. Today we can go

reset twenty twenty one. Time to get a research time to get a fresh start, its term after twenty twenty to put that new rearview mirror, and that was our messages and showing you Do that from each of our perspective, ship from the actual thing, the actual every of the content of the tactical things too. take away undue and of course were a special and rooms, plus a bundle associated with it. It was incredible and Thousands and thousands and thousands of people bought that last night, and then I want to tell you: I'm not a dominant, put out a tease here and trust me. It will not let you down Dave's, take on the three little pigs Solomon to tell you I want you to go, watch this and listen to it, because it is absolutely hilarious, but it's on point Dave, on the three little pigs reset, twenty twenty. You need to go, watch it, and then I want you to tweet me your PA, so my instagram. It tell me what you thought, because I loved that story

we are modified version you need is illegal We need to watch it though it is, and it so applicable right now and the end up more children's books rather than a tortoise air Three lonely: I witnessed bring out all the ring out, although they are, they are Old Tom here, fairytales or whatever, but seriously gouged. Thank you guys. All of you that turned out hundreds of thousands of you watching that last night, it'll be by the end of the week will be well over. A million folks are viewed that and arm it's just ass. It was an incredible thing to be part of an to be able to put out at a time when folks need something to focus on that is not correct. out of Washington or not crap out of public shaming for this or that

and, of course, as always, wanted to negative nannies out there, but there that is part of it. I may be doing of scale. You can expect the more honest to show up as part of who shows up. So I will have you get out of bed and leave your house. You're gonna have somebody growing up and then like there, oh yeah, they don't like the way you won't tell you produce, produce slammed your door Dave rooms. One way to avoid criticism say nothing do nothing and being. I think these are not options for us. It rams now so I would hope the criticisms part they are stable stakes. It's part of the permission is part of the yard. Part of the sign up fee to be me, and I shall end up, shall bring it bring it. In the meantime, hundreds of thousands now well over a million people are getting help for free and somebody forgot what a bitch about that really believe, but It was an incredible incredible thing, and I just mean I have gotten to do a lot of

age. Major ants in are and other things that we have put on, or I've spoken it large things our term twenty thousand people and live in an audience icon everything over the years and those of its US it's an experience to do that kind of thing. this was a fairly small audience. You know it's not a huge auditorium number one number two with socially sensing and those angle. We abide by the local government guidelines and everything and you're. Not but the number of the size of this online audience for this thing was it changing, it's pretty amazing, show. Thank you guys, all of you, the Tunisian. We appreciate it. you, haven't you on post it and you'll be able to jump on diversely dotcom figure. I will watch it somewhere we cannot have that worked right now, David did. I can't life telling me that another, both so and hoagie,

opting story adjusted You're hoping talk about him. Grocer, hopping and the view that the visual of that goes into your head will never leave its worth watching just for that matter, content, was our awesome and again. You'll leave it'll be worth the hour, power. Forty five manage it, takes you to watch and it'll, be worth your time and again didn't doesn't cost things Ramsay DOT, com, slash and we want to as to reset we won. To win, we want you to choices where you're, not phone everything going on out there sections of this nation portions of the spaces out there that completely lost their wreaking mines and the only way you can insulate yourself from the

in this, it is too is to follow. Gods. Principles are mainly money, and when you do, you put yourself in a position is being delayed. That's right! That's what we're teaching in the good times and bad times the same principles about you to prosper. This is that I am shocked at two cobras. We believe a great pair of combine boots won't just make you look taller they'll. Give me the confidence boost that'll make you feel taller too covers. We make traditional cowboy boots for men and women that look great and feel great, so you can walk into a big mating around on the town with comfort and confidence and because we sell directly to you with no middle man to mark things up you're going to get quality at a great value, find your parents, to dot com, Slash Ramsay, and why

taller, organ Ramsay personality is Michael Holmes. Today, open phones, a triple eight eight to five five two to five David is in Washington Dc High David welcomed room. She shut her gentleman, Thank you very much for taking my call chirp. What's up question my wife and I have a five twenty nine plan for our sun in the state of Virginia and down he's got one and a half years left until leaving for college. We think it's much fully funded Saward only putting small amounts into it now by working that may be our distributions our little too aggressive now, so we ve got like seventy eight percent in stocks, eighteen percent in bonds, four percent in cash- and we

but it s kind of no. Should we back off of that a little there now or next year or as we had in the college, how much is in there We have in their right now, hundred sixty five thousand poker weld Hon, Congratulations as final about its great merit, fortunate and when you so stocks bonds in cash you're talking about you ve got is a mutual funds. Selection you're, not an individual stocks or bonds, that's we have a mutual funds through american plan. Yes, yes, well, here's the thing: Barnes have an inverse relationship, as you probably know, David to the interest rate market, so as interest rates go down, bonds prices go up, interest rates have been. Unbelievably low for an on board. probably long period of time.

There's not a lot of places. They're gonna go but up in terms major moves in interest rates in the next five years. Ok, while get out of school and so while bonds are typically pitched. If you read the standard for she'll planning. Writing people pitch bonds as a stabilizer in a portfolio in annex ended low interest rate environment. My personal vision is that they are a d stabilizer because I think is interest rates took up those bond projects are gonna, go down, you'll lose your butt. that part of the portfolio and so its polished supposed to be more safe than the than the stocks I think it is in this current world personally so you do what you want, but you called show that that that's an opinion a worthwhile worth what you paid for. Consequently any bonds right now never really use bonds, much investing at all unless or in a fond or something like that. But so

then the question just become too: do you want to be in cash? Or do you want to be in gross doctype mutual funds? For the night, three and a half for one and a half years caused both the Pisa one he's not gonna, come out for five for four years rise: road, correct by going stay. on how worried you are about to stock market I'm gonna the less worried you are, I'm no stay heavy heavy heavy and in them in the meat in the gross start, mutual funds and in the little but a cash and the more worried you are the more I would be by about cash. But I dont think its Sophisticated amount of interest to differ way of thinking is a different, critical thinking set to avoid by number one and number two to say The risk represented by the market is not so substantial amounts on stocks that it's gonna drive me crazy. Well, in the mindset Deva think this year has or this past year. I keep to keep going backwards here,

pass your shown us as we looked at what happened in the stock market in March and then how it rebounded and came back in October, yeah. You know for us to make sure that we remember it's. The long range view right and- and I think that is I'm gonna keep beaten. That drama wrote ride the roller coaster long if you look at, what's goin on, don't listen, what people are saying watch what's happening down. I mean on the short term? The only thing that discard derby me for the stock market shake, more. They also just put level of political unrest. How I agree as a short term. I mean, if you believe that go on Russia's gonna led to the the nation unravelling than you'd get out the stock market completely. I dont believe that, but the stock market does not like an unpredictable world. Like some predictable whirl, even if it's a liberal world or conservative world right, a democratic Republican it yet Let me know out what it is and I can predicted and when

things aren't predictable show for war springs up across the world, a geopolitical and, unlike that, this going on in Washington, on boats, so the aisle right is astronomically crazy. When the cities were burning. Last summer, getting into reasons or what Greenland or anything like that stock market. Unlike it right, but it's a living breathing thing is you ve told people for years and because its living breathing, it's got feelings, and the stock market, ass feelings and so the magic too much unrest or too much this or that happens there. going to be a reflection at some point now it's when people are worried. It chose right, that's really what it comes down to it, because it does not depend on what their worried about any All that to say David, I personally If it was my kid, I Heavy and stocks are be light to none in bonds and, to the extent you're worried, I would grant up my percentage in cash

and you're worried about the next two years of volatility, but as the saying goes, ten percent. That would be almost maybe one of the biggest option twelve months in the history, the stock market. If it went down ten percent, That will be sixteen thousand hours. Then keep your good for going to go now. not really playing with huge you dress, you're, not gonna, have a situation where you lose. Fifty percent of your money that has occurred only who times in the entire history of the stock market- and I do not that item on the horizon, it could be there, but I don't see why I must talk. Quick here about, obviously, would student education and going to college. You got a hundred sixty five hours, that you put away you know you start to look. In state at ten thousand a year you ve covered at us to which it has twenty two thousand a year and private It is around thirty? Six thousand, so you know you at the dollar mount the jewel of set aside David, you all have done a fantastic job, a being prepared now, dude finish the job? I guess that's what I'd say, help you

person make a smart decision and don't pick a school based on sports team and don't pick something based on a mass got. Let's Pickens pick something that is fair. Lee responsible that you to pay cash for a year ago Daniele is whether Indianapolis I Daniel? How are you are you sure? Mr Holding, how you guys great, coming up my fiance and I have been listening to your show for a member to now only like your advice on a lonely payment decision, we're getting married. This may after I graduated from college and rejoice regulating that three, pointing out The graduating that I've already paid off around eight thousand dollars in penalty ones from social fund that I've been awarded on during the past year and my fiance will graduate college of later in December of this year and around nine thousand dollars a barrel unsubsidized on that and about ten days and of private debt, odious parent

I would like to pay off better off, do wonder now so that it will accrue and more interest on before graduate and you just get it the shoulders and we prepare the marriage, but he wants to until after he graduated in December to table wound on what he does. I think the we Switching over here I felt it. I've been around for fifteen years, the love that you been intentional and that you're gonna graduate debt free. This is this impressive. Did you pay for where did your parents before I where am I perceived? Power should five thousand dollars for the past two years ago. That need help me to pay for it when I'm proud of you and another favours baby will double over this love that you ve joy. Did you listening to this love that you guys it at a young age or talking about this, but to tell you something. You know first and foremost, and I wouldn't be- doing anything for his debt. Until you guys are actually married

Until he says I do and you do and we do, then you can start to have a plan together, but prior to that, need to stay focused on what it is you do and he needs to come up with a plan to try to attack that before you get married after marriage window lodged up, I've got to go. Play that leeway and until married in May the boy you knew that either way, but you said and lay them do you pay it offered while December doesn't matter.

You ve got the money, that's fine after merged knock, it out, don't primary concern of goddesses that he finishes with no additional. That can be ashamed, pay it off and then not have the cash for him to finish that last matter, nor in the fall. So if you ve got that set up and you guys want a going to start attacking it, there's not a wrong answer. Your at both of these are smart choices. It's a smart or be smart meter, but all of it comes after May. This room, seizure,

Chris Augener algae personality is my host today, open phones, a triple eight, eight to five five to two If there is one thing we learn from last year about investing, you cannot invest alone, absolutely need someone in your life. Who knows the market better than you and helps you make smart decisions. Teaches you as you responding to all this crazy out. There listen. I love the I. Why do it yourself, but I dont Beaumont wreath on a more common cars more. Do you investors I'm telling you pull your own David, you make a mistake. You liked it buried to make good investing decision to invest in the wrong things you get caught. trends we reach.

Stupid article on the internet, and there is a lot of stupid articles on the internet. You make rookie mistakes. and then a year like twenty twenty comes along and are all your man, eggs are revealed as war if it says you can tell it was getting dipping when the tide goes out. You see the mistakes, so bad, It is an illusion, trust me, you don't need all of this last year, Where's your stay in the past say never again, let your return be at the mercy of a dumpster fire. To the word in vast, get with one of our smart. Must approach text, invest to three three: seven: eight nine text in vast to thirty three: seven Eighty nine Paul is whether she Grand Rapids Michigan, Hey Paul, welcome that over him show David curse I'd like to say I really enjoyed. presentation last night. Thank you

real back about myself. I'm an everyday millionaire, my wife and, I should say way to go. we're just gonna level because her life, we don't want the best. And tat was what we hear we to small cars, one we can the issue. We were just what does concerned people who unable save and good, and my question question is right: now, I'm a retired a year ago, and I've got lay traditional areas and then a fire is. The tune of about five hundred thousand dollars for each one. Now I know there are, is coming up one and seventy one rain on sixty five, but it makes sense to convert the traditional tv just stay with my hair.

Well, obviously, converted you have extra cash to convert and pay the taxes with yeah Gabriele thousand hours. On top of what I other local, and just miscellaneous obvious, view. If you roll five hundred into Roth, it's all becomes taxable so you're gonna, creating yeah, yeah yeah you're gonna create taxes of what a hundred hundred and fifty like that out of that if want to do that, and then that that that does why we are empty issue, because my guess is part of. What's bothering you is you need any of this money. You want, let it role. Basically, I am hoping to love half an hour Children Lastly, the delay of his own raw agreed agree that your search search to take a bus to tackle them that they, the math. I work out this way

You will recall at about the ten year mark. and so, if you're, not that five hundred, that's in the traditional, if we show our the day we were all at ten years. Today, you ll be glad you did price that you won't be you would have been. Rather you'd have been better off to have left it in there and pay the taxes on the growth, the continued growth and pay. Taxes, on whatever you have to draw down on on r pull it out and so You know that your gas? If you guys are in good health, I'm probably rolling it, but I that extra tax money you pay has the same exact effect. Mathematically is having invested that if you dont, reduce the five hundred by the tax and you allow the whole five hundred to stay wrote in the wrong. It has the same effect of putting another hundred and fifty under Roth or what,

Tax bill is calculate the tax bill. Well, not really, but I think were probably in the twenty percent points range so then the hundred hundred. Then, as what we're talking about- and you know what could happen as you might it Michael's bracket creep? If you do it on one year, you may want to straddle a calendar year. I want to show me some young and twenty two to keep out get me guy run. Tax person run some calculations on when you move it, but overall, if you guys are healthy, I'm moving good and polymer tee this. I love the fact that you have this legacy mindset and want to pass some audio gives by Will Junior wiped enjoy it like. I want go, do some stuff take some trips, get you an but you know I mean I want you to start to live and enjoy this, whose you all been very intentional. You ve worked very hard to reach millionaire status actuations your hard work and indeed

Just inconsistency paid off. Well done very, very well. I shall like the house dependent without should always to me and our network. All easy! Yes, oh well, that's pretty incredible and you know, it's not your nature, to be frivolous with money, that's not what Christmas suggesting, but you did work. You know you live like no one else. So now you should live and gave like no one else give portion is part of your legacy. You're planning with the kids and all of that, but I don't want you to you know each day, Innovation, re on branch, other kids get four dollars more willing to me. I think that's ridiculous, so its import, but definitely talk to attacks professional and David at the thought of able to straddled over the year and spread it out. That's very wise, as well as your investment professionals, eco, exactly where you are the timing, and what to do

and also real quick as we talk so much about smart best approach. You all, I really and truly want you to make sure you get connected with one today, if you're not envy times with all the stuff that's going on, it is imperative that you have someone did you can reach out to to just. A conversation about their thoughts, what's going on or what could happen you dont have to speculate. You don't have to listen to the talking AIDS. On on on tv news. You can talk to approach really want you to know. They're, not gonna, judge you there there to help. You so definitely reach out De Ramsay dot com get connected with smart rest a pro day ago, open vote. eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five a weathers in Austin, Texas, say Abigail. How are you. I gave I'm great thank you for taking my car shook up now

I own three rental property and one about my own with my ex husband. I am seventy five percent and twenty five percent joyful and well you and I we actually get along very well he's a welter unruly alter the eyes of those noticed humming a around the management of the proper. But when I saw the deal is this, do you know what you were doing the situation given that, in rates oh he inquired with my mortgage banker about leave fine. and saying so right. Now it's at four and a half per cent and she told me we could get down to two point: sixty five percent, but at that time my ex husband said you know you want to buy me out, because he, he's like I don't wanna be financed and extend the long. Whatever goes, let me know that we could well at all in together. the problem is that

so how'd you, the value is somewhere around four hundred to four twenty five. The measure would be around a hundred and when I just want the numbers it looks like I would negative cash flow by a couple thousand dollars, per year. If I click on additional Gatt loud and so did. I just wanted to get you your opinion about what you do in the circumstance my husband is fine to continue. As you know, refinancing so Decided tat the mortgage is two hundred labelling heating now your current balance today is what one twenty one twenty

I am calling upon the clock, hang out back in this break. We'll talk this through with this. Is that every measure? resolving Ramsay personalities, Michael vote today, we're talking with Abigail in Austin Texas,

aren't Abigail. Let me go back and make sure got a numbers right cause. My head spending a little bit here. You gotta original property, you own with your actions worth four hundred. You, oh twenty you only seventy five percent. He only twenty five percent you're talking about refinancing from an interest rate in the half wars, to an interest rate down in the tool which makes a lot of sense. He doesn't want to do that, but in a while I came up, he said hey just buy me out. Is that what you're told that's all that exactly correct- and you told me that if you were to refinance and by him out that they You would be negative cash flowing per year. Ok, where I got lost because it see here you ve got a two hundred and eighty thousand dollar equity by you should be buying them out on the two hundred. Eighty thousand you should buying based on two based on four hundred minus about forty four expenses and so

That about a two hundred and forty thousand dollar equity is sound about right. I got lost their attack. If you're buying a partner out on a piece of real estate, you dont do it at retail, you do it. It would be net in a sale. It's over Sell a foreigner. Does not a piece of property. You guys are real state agency wooden might not have the commission's commissions, you would have if you pay a commission and yet other miscellaneous expenses any negotiated a little bed. The four hundred be discounted by about ten percent? At least you wouldn't net? And you might net ninety percent the grocer mile right. Ok and so there Forty thousand off two hundred eighty thousand equation to an forty thousand dollar equity. So portion is only worth about. Sixty ok she, how did I mean? That's nothing mayor, that's not rippling em, all! That's not ripping you off nobody's

a deal here, but I have the same thing set up in my state plan. If I guess I've got a bunch of real estate of one of the kids wants to buy out one of the other it's on a piece of property, so they don't have to together do it at an eighty percent ratio because because they fair to do it at full appraisal. It's not that that's craziness is not the way that, because I can't get that became, get full approach that meant match or anyone sixty one. Twenty is only one eighty of a more it's on four hundred. I do not understand why that properties, not cash flowing. Ok. Well, in that I in that scenario may not change things. If I'm, I was thinking that I would add, adding a hundred thousand dollars Cuba Bow Well, there's no way is a hundred thousand two way yet at the most suited to

thing this, because we have two there that it's the equity verses The balance, in other words, buying out you'll. Now you have begun. The echo has only thing if you sell it seventy five percent of equity. He gets twenty five percent, the equity Average Spencer's agreed Ray and son, Twenty five percent is only worth twenty five percent of the equity after expenses. that's what his positions worth your positions, where seventy five percent of that that's let United, If you were in a court freshness- and this was at a negative break up- that's how the judge would make you calculated, because that's up that's the problem, We are doing it because if you have put on the market and sell it, that's what you're gonna do that he's gonna net about sixty right and so anyway, at at at at hundred and a hundred towards our mortgage today, plus sixty or plus even eighty, which has not yet, which is too much. It's only two

thousand on mortgage on a foreigner thousand, our property that should cash flow. I don't know a lot less is- is the rental market in this particular neighbourhood suckin. No? No! No! No! No! I mean I'm getting right now. I've got some cash flows right now, I'm getting at the such a kid who houses on one march in combined it twenty for safety total ranch. Not much on the four hundred thousand dollar value as well, sure you're correct, but we had very long term tenants and so to the point that you're just grounded your dear rental by that thing remagen one percent a month anyway, you ought to be made for grand on that actually we, then maybe you need to sell his remaining property. Does your cash? cash return or your internal, turn on this. After

doing an ally, and everything is deeply. You ve got this thing discounted. This is not a good property. I wouldn't I wouldn't whole abacha, I'm gonna you pure, not even based on numbers based on life base, on simplifying your light and putting you in the driver's seat. Is not gonna own property with an ex I'm not ends Oh you know, I'm gonna be there by out, as they was talking about, I'm in a cell They are just real simple there. Reason for you to have to continue to go around and around, and I know things are going well right now, but you and I both know it's just to take a hiccup, it's a scam takes then for old stuff to come back clean you life out, get this thing! it had gone, and then you can go by home the right way, whilst like three or four different things going on, There's that and that's all to get rid of it. We ve gotta, get the calculi and if you're gonna do the buy out down to what it should be and not over pay for the by

and so at least ten percent discount on your gross reducing you're you're equity, forty grand and then the other, Our problem is discovered laid in the phone call, and that is that you guys are not making very good money on this property. If you have four four thousand dollars invested in a piece of property, you need grossing thirty, five hundred Aforethought hours month on that, markets in Austin Texas is not bad market is. Are you to be making somewhere in that approach in one percent a month on it in top line in order to have justified tying up that much money into something shot of em. I listen. I allowed a of property if I've a long term renter, I dont always get full more but I'm not running at sixty percent of market ever. Why think. She was rather wrapper head around. His debut just gave her a phd at real estate and she's a realtor me too just look at this and talking about how to discounted before you sell it, and so that's not so that everybody knows

being aware because you're right, you are gonna have fees, you are gonna have expenses, so you kid, do a straight twenty five percent or whatever it is in someone else's position now by me, now the day of the year for him I would be a great deal. That is where the Saxon Kalamazoo Zachary. I'm good. I didn't Chris, and you were taken my call so my life and I are big fans- Greek, eight May with Resale Iceland's needed for that. Thank you target I'll, be right! You! It's all. I have kids and need help figuring out how to allocate money in that year. Phase reach around based on each of them, so much of their sex. and then I had to twins that the age of two and then I have one more on the way in March eighteen. Well, you know what I would do is sit down, what you're, smart rest or pro with a financial calculator, and you can decide you're talking about

much money to put in based on their aid dried. Could we got it next to nothing started for anybody and throws up a six year old and obviously, if closed, isn't there were wondering, like three Morton's bucket yet in our word and that fair, that's not unfair Equal is not firefighters, not equal what what what is correct is to sit down. I mean it technical way to do it, I'm enough of a nerd? I would actually do this I mean I would just sit down as they were looking at X for college and let us make up a number. I want a hundred thousand dollars on this account is probably not enough, one hundred thousand dollars in each of their accounts? What about put in for a six year old, do that? What am I gonna put in for a four year old to do that? Moreover, gotta put in for a zero to do that? zero old, and so could you can start that account other born and you get number anyway, but you could sit down again like that- and you know, if you wanted to like say per month and then

and then, if it comes out and the total of those numbers more than you are ready to do on your baby step. Five is? gives you a ratio if the six year old, double the the zero double no baby, then, whatever you put in for the new baby, Dublin for the six year old or what but if the secure all take half of that part of the boat get a ratio of even if you put on really fun today, which is binding. Not today, you got young enough you'll catch up later. You know

If you'll it address, what shown by Mr Fava start doing something? Yes, that's gotta putsch, give you peace of mind and clarity for the future and make good jobs that well dancer. Congratulations! This is that I am sure, have a friend or a family member. The needs a daily dose of Ramsay advice in their life. Let them know about the Ramsay call that a pot gas, it's a quick of advice about life and money under ten minutes check out the Ramsay call it a day wherever you listen, money, isn't the only then can we talk about around here. Get life. Changing advice on your career, for my good friend and career expert can combine all makin com and show, according to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, it can Coleman show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is. You were born to do and then we'll help create a plan to make your dream job a reality. You matter and you have what it takes, joined the 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

producer of the day. Ramsay show this So it is over but check the episode notes for links to products and services you ve heard about during this episode.