The waters of worms, solutions broadcasting from our car rental studios its day? Rams ratio were debtors, door measures and the paid off mortgage has taken the place of the Bmw status symbol of jobs they ran through your host. Rachel Ramsay personality is my vote today. We're taking your calls about life. Ten money, open phones, Tripoli, five thousand two hundred and twenty five, that's eight hundred and eighty eight eight hundred and twenty five five thousand five hundred and twenty two

Happy new year, America, it is time, I'm for you to get a fresh start on your money and part of what we're doing a remedy to help you do that. Israel launching a brand new book today by Rachel, proves it has been a year in the making, no yourself, no, your money is officially on sale, another number one, I'm pretty sure we're gonna numbers. Kenya we want for a week, but I'm pretty confident that relations. Thank you. Its exciting. It's weird. It's always weird. With book launched acres again, it's a project. You worked on for so long and now it's out there and yeah hope, is people love it and it helps thou. I mean it's kind of a new way of looking at the way you handle money and it's really dives end to your decision, making how your wired, why you do that? You do ants. It's it's really exciting. Looking down the back of it,

and I knew we did this, but now, when I look at it in the shutting it's pretty impressive, the endorsements on the back of the book or Marcus Buckingham Doktor, Henry Cloud Candish came, and when you re is I just as our chairman her left her so much and that well I mean you loved her back when she was on full house me were located. Show there you go Bobby bones of coercion but here in Nashville this country, music, icon, radio radial icon. I guess I should say Christine came another icon and the minimalist so in lay their new Netflix thing may have dropped I'm getting some comments on social about my parents on it. Gets out for all the good must hear those got her great. The minimalist awesome will allow some awesome wish. I love you. I might there are the wonderful quote, their minimalist challenge right about in the book, but its fascinating, because it's all about understanding. So one of the tendencies, as do you are you quality,

Quantity we talked with us, tendencies earlier in the show, and so I am quantum but I would rather have inexpensive. Things, but have twenty of hearings. Verses, like one spare of hearings. So that's all I bet it's always gonna how I've shops and have said so much crap like I have so much serve afoot for their minimalist challenges. You take a calendar month in every debt, whatever the date is used that number to give away, they sell, something throw it out. So if it's the fourteenth of them, there's fourteen items on your house you gotta, get and get rid of it. You do it every and its number one is so great, just minimizing your life and just Jennings now not just of AIDS. From LA la I mean our care under the number now I cant do the math like Wikipedia everyone about raising, so it's their their awesome, and I totally and their message goes. I mean it's an end again. So much of even this book there's that level of not letting stuff

so lately consume you and I think, that's a level and a reason people just go. The debt and I think, a lot of life problems masquerade themselves as money problems. So you look at a debt problem and it can either be through consumption of things you can afford it. There can be a contentment issue, there could be a planning issue, yours not planning your money, well, you're using dam and all of it at all. Its together in this huge cycle, and I love kind of connecting other dots MO yourself. No, your money shall one other tendencies is one to tee. Ursus quality. And as you say in the book. Neither one are bad. Neither want good, it's only you go to the extreme of one of that's right gap so. The moderation is ideal right. Gonna have both on early in our neighbourhood, who would bar coupon stuff and like seven thousand Georgia, peanut butter and her basement, not quite what it felt like it. When I was a little kid whacking enough jars

peanut butter to last you into the millennial right, and I was looking for a long time ago, so I mean like it, you can buy a scarcity mindset, two of like this fear of oak. I should actually that's all you're like a proper before there were programmes, but our coop honour that gone crazy. I don't know, but every that's that's gather itself for I mean that's like sorting and that's a quarter. Llanos rural organised, chauvelin hoarding, but yeah they share. The organizer lady come before she was born to, but so yeah, but one of them. One of those. Drums that you we gauge ourselves zone in the book is experiences versus things things so unusual aimed and money on our experience or a thing with regard to eat. Or would you rather have a nice shirt bright, exactly where and where the tension can be, and this is not as much as ex rooms but released

no tension comes up a lot in this. So married couples when you value spending money on different things were different ways: that's all conflict can come into my own experience of the chain. Yes and worse than is not now she's all things even earlier married, it was our first. I think it really was our first, your marriage. We go out to dinner and he we'll get water and I was like just get a glass of wine or get a coke like I don't care just like the skin. And enjoy in his eye payment. I'm glad I'm with my water, because I can take my seven dollars: go or die too late. Or a bottle I or whatever it is it in four words, though, is frustrated me a little better than me, and just like enjoys like I'm good. He genuinely was so good. I am good and then, as I was like, Ellsberg thing, what sort of like? That's it like? That's a prime example of he just does really value experiences. He enjoys in its fine, but I want the whole elaborate thing he's like no I'm goods and

Yeah, it's just makes me laugh. Even our Christmas lists are Christmas. There are a hundred per cent different like I want a small gift card. I want a zoo membership with the kids like All this experience and he's like I want, elects a light bulb, so I can turn on my living room thinking that I elects a drug laggard up. All that's not right. Now, we're him think eigenvalue. If I worked hard to make binding nor legs a light bulbs, worthing orgies. Now you don't get the conspiracies of everything plans anyways. So he had like that is. That is a real things when you budgets are down as a couple, especially for getting at that you haven't make sacrifices like we you're, putting your money. There can be tension, so there's the warning flag of that. But that's where conversations can come into play. Shaver version, suspender, guest the tendency of the season and again extremes, not good. You don't be a harder on the safe side. Spend everything you make them outside to name it. So are you experience or things on which work? Your experience?

Are you quality or probability or you're about quantity, quality, euro equality yeah like I don't I don't really care in. While other euro spender, I'm almost bender on devilish bender, but our, but it's not court, but I yet again, I'm not gonna. If I go to buy a whatever the best one, a pair of boots, yeah I have no desire to have sick participation, will have one really good per second worth rushed. Milan yeah gets from the cap, both share that I've got appear that I've had for twenty years. That's, probably number twenty more but and they look shut up shining sure they did that polish up or fashion they will use the polish harsher is not throw them away. No yourself! No! Your money, Rachel cruises new book is out on the stand. You can find it anywhere great books or sold Amazon. Diver Amsterdam. Comrades recruits dot com,

It means that the enormous Walmart finding which other good morning America in the morning they watching it around eight fifteen or twenty Rachel well beyond talking about the book so check it out. This is that I am very sure not

why do I d thieves commit crimes related to financial fraud, but now we have to deal with home, tidal fraud. Thieves are using your personal information to take ownership of your own, so they can take out loans, and you end up with a pile of dead and foreclosure notices. That's why Zander Insurances, the only programme I have ever recommended their plan covers all types of Idee theft, including home title fraud. They also cover your children for free on their family plan, visit, Zander dot com or call eight hundred three five, six, forty to eighty two, it's just the smarter way to protect yourself

Rachel grooves Ramsay personality is my co host today. Here only urge both launch day for her no book. No yourself! No, your money! There is a virtual launch party January six that would meet tomorrow night for most of you in January, seventh, Thursday night, Wednesday and Thursday night to do virtual large parties at sea, p M central time in that region. Bruce dot com. You can go, live and asked courier money questions and participate in this book launch, if you'd like we'd love to have you again to go, your crews, dot com and sign up for the virtual launch party, Wednesday orthe. Thursday night this week at seven p M Jesse is whether some Grand Rapids Michigan high Jesse welcomed that I've Ramsay. Shall I Thank you. So much for everything you ve taught. We are just having a lot of fun. My husband, I dont our dreams

Four years ago we went into the steps, should baby steps now, fifteen months ago, and I didn't think we get term as fast as we get the law against accepts while grew yeah. We feel good. So I'm kind of a nerd aye aye punch farmers every day and I've gotten a little addict because, as mortgage pay off calculator good, and it, though arbitrarily picked a number two people are two kids are college, currently ages, Saxony, and I two hundred dollars for each kid into an essay, but I'm If I do not want to borrow an rearing these steps, because I know that even people calling, but Can I, or should I lower dollar amount in the USA in order to put more on the house or shaded leave that be just stay calm, ended, paid off were currently paid in cash for a barn aching extra right now, putting aside to build our minds, I'm just wondering your thought,

How much money do you guys have saved in the US? Is so far to me, as there are only about eighty four grand each Canada what are our shoulder income? Two hundred thousand, I will be on your home two hundred and seventeen suborn cost we have committed. Not sixty only have we have twenty thousand changed currently So. Turner dollars a month is twenty four hundred dollars a year. I don't know they move the needle on Barnes or houses and then you can, if you want. But it's not really gonna move it that much watch moving it. What moved you along so fast Israel's attention to detail in your intention reality when you have wonderful income.

And you're using it to accomplish financial gauss wait ago, touchdown so technically, to answer your question about rearranging the baby steps you now we just say by Mister Fogg Save over college. We dont say how much has it ranges show much what you got little kids, older kids. What your household income is all that come druggist what you can put it on his still accomplish by still be putting something towards baby steps, six but if you in the bag it down to fifty dollars is ok, but my point is its twenty four hours earlier yeah. I did Like I said that market tragedy during on your website is amazing and you can see what a lecture opening were paying out extra unfair mortgage, currently absolute limit, our Bowman Anthony by now You're the boss vanished away, let's hope, you're asking if you stay on your current path, the barn will be done in the house. We paid for wine, Two thousand learn about it here,

another ship, that's what I'm gonna get so doing, trying to doing this changes it for much. Ok, ok,. For me, there are, but I'm not far off and maybe it might be found much to remove the Dave calculators torn by twenty four hundred dollars or mean overwrought oceans, I've, ten thousand, that's right! Yeah, it's mine, you're not gonna move the needle on it's, not gonna change if it changed your pay off on your home by five years. Three years or something like that: yeah, maybe we changed by a month or two months shrank or three months, now wouldn't do Alien, Jesse you're? What your husband? What's he saying as he is here border you do as he can. We can catch a little bit oh yeah. Now he he started listening to Dave, am radio ban? Will you go landscaper regarded beating stock used He saw children, he decided you know them. And growth that will gain in the USA in matter

and then the low income on the mortgage give the growth, hey account can keep yeah. So the technical baby step answer is you can do either. Probably will stay with your current plan because they get moves. The needle that much to change it and I think you'll be glad You put money into the yes. I am really not even worried about the growth on the S S verses mortgage bound in other than that. That would lend your to say. I'm allowed the USA up but even more. But right now you ve to your touching the base, which is what you want to embellish that value and do something towards gets com. And then you moved on to do the other staff, so yeah she's an example of the nerd. Not I'd on the extreme? I don't think you're unhealthy by any means in that sense, but run a number she's calculating. It's almost like you, wanna, be Gazelle, intense thrilling, babies, ups and you're, not supposed to Europe S back after the fact you guys are safe for a barn. I think its awesome I got you can just yet take up

even I you're crunch the numbers and you're saying the difference: We are paying to some interests even for two years of a home having a mortgage versus not, I think, all, that's us on that you're wearing. What a free spirit and understand that is that when nerds, like Jesse and me are running these numbers. That's actually fun for us. Well, she said I want a lot of fun or not or not, or not, fretting. It's not bothering us. This is like we do. Instead of watching Netflix, we would rather run numbers on something. It's just more fun than watching Opera re run, so we actually get joy out of this. I know it's hard for people to grasp that. Don't think that way, but all Donors- they're going to yes, spreadsheets rule, yes, and so, but that's If you turn it, if you turn it all away over to where it becomes an obsession, then you're wrong and she

and now she then, as I said she, but I'm saying she's at a perfect example of a nerd, because she's loving husband, we got this gas, so very, very intentional good job, just what you guys have done, a wonderful job, all your money, so proud of you has anything. There's Oprah rewrite nuns anymore, I will probably somewhere ban, is in my agro falls: Ontario Hyperion. How are you. Are you guys better than deserve? How can we help well, I'm a bit of a morality, are you so? My wife and I but they also debt. So I used to be driving really cute junker go alone. You say that like Mama gets to go and live, she moved over. You years at Christmas, bemused, now here five minutes from work.

And I'm about forty minutes route, so I've been driving like a good, currently been driving a drunkard don't use it doesn't mean I don't know, but I'm worried about the junker, obviously well no what the law is in Canada, but in the United States, its illegal for you to drive car I'm kidding, it's federal law. Mama gets a good car. Does she a ban as she good we want to encourage soldiers. This is something you have like a conviction that, like all, you feel bad that you're driving the nice car your wife's, not I think you're ok, has only been baby, nothing for how much longer. About ten months, sure switch every other week. I used to do that large made that up. I have no idea, but I mean it has to do

it has to do with our by feels about it and more than it does the reality. Obviously, the stupid car breaks, one of he's got a problem and Canada is a bit a wee bit cold this time a year shall you know You know you don't want her stuck out in the cold. For sure I mean I literally could be dangerous depending on your situation. So does she spied minutes for more analysis took picked laid her, but the hope but walk for minutes in that stuff, but the eye you just which out our in all, the thing is not given any trouble. You can drop. It

it's our it's a joke, but it's about marriage relationships and, in our understanding, sacrifice all the way through this thanks you're, not an evil guide, either way, then it is a joke, but the air by gets the job because Mama gets a good car has a sense of gallons of gallantry. To civility to this is that I ran to show too, Johnny is over. Let's start this new year strong make sure your housing strategy is working for you. The right plan can lower your interest fees drastically and ultimately,

Have you paid off years before others talk to Churchill Mortgage CALL Aaa alone, two hundred or Churchill mortgage dot com. This is a paid advertisement, animal s idea, one five: nine one: animal less consumer access, dot, Org, equal housing, lender seventeen, forty nine Mallory Lane Sweet one hundred brilliant Tennessee, three, seven zero to seven. Rachel Crews, Ramsay Personality, newborn, bustling author launching a new book today, no yourself! No, your money discover why you handle money. The way you do and what to do about. It is my co vote today our course it comes from blinds dotcom found out for yourself. Why blinds dot com is the number on online retailer of custom window coverings. You get free samples, shipping you with the new promos they run every month, you're

if even more years, a promo code Ramsay to get the best possible deal. Today's question comes from merrily and Nevada. I just If my soon outlines back in June, I just finished the legacy journey through Ramsay plus and with love to begin a giving category and vehemently budget and babies step. Three already give ten percent of my income as a tide smiling culture but I am wondering how to create something a little more. How do I just numbers. Is there a recommendation on how to start giving passed her time? Do you have recommendations on which organizations get started, whether even how to begin giving. I wanted to my research before I give money away if that makes sense, yeah that definitely makes Hence I may We always recommend ten percent, no matter where you are, and the baby steps and the whole process. The baby steps is to give a little until you can give a lot and obviously that allow pew Declaration, pointed out maybe step seven when you have your house paid for,

No dad kids college is taken care of your funny retirement. Then you are able to give it none of your income, because you have a lot of all your income coming anchors. You have no debts so you do so want to start giving a little bit more in Europe every step. Three, I'm burning, that's great! You can but maybe just a few percentage points right now. I really want that emergency funds for Yucas. Once you have that stability vineyard. To be able to give beyond that ten percent for sure. So I would recommend a few percentage points if you want to right now, a lotta organisations, especially their five or one c threes. They have to publish budgets on their website. They have to make that public, so you can go in and look to see how much coming as an organisation is gone, to fees or administration or to the actual mission are doing? You can look at all of that, get a feel About it- and we take giving pretty seriously here a room see when we talk about is the how much you spend on your retirement accounts

vestments is the time you need to spend on what you're, giving a mean you as a as leave her. You have been given resources and, to put it back out to help people you want to make you're doing it really efficiently. So I think you researching organisations a smart. What tickets did with? I mean anything, passionate about that's what best things about our world today is the internet social media. There are so many organizations out there at anything you love in my heart for whether its foster care or rescuing he bought a human trafficking. Digging wells for freshwater in Africa, helping the homeless community human, like anything that you have a heart for. There's, probably, innovation that helps with that mission. So, just recently are there of what you have done. We have chosen to give Stan substantially to a few surrender family foundation not to give farmers are too busy and different people

spread out. They understood, would rather make an impact on a handful and so, if I were in your situation merrily just getting started, I would just pick one for now. There's always more valid need, and valid ministries filling those needs than there is money for that you have there's always more and so you cannot be everywhere and don't try to be everywhere. Don't dilute don't give a damn. Two five hundred organisations give Father dollars till one or whatever it is your mother after- do that. Your life, much simpler, get as many emails provided? Dismay dinners you get, fatigue you do you do you get philanthropy Teague. DA, show you're not gonna get there with all. I just keep it real, clean and real simple and do some research like you're, saying you're gonna, do and the way we pick the minutes is that we support, we usually know something about them or their one degree of separation, personally, want Ramses, do

or one of where the Ramses has our passion. For that category. That shall be they end up in the it is over, personal thing with Rapture Family Foundation is how we do it with our giving as a family and so ciao. We would recommend you do it, and I were in your case once you finish baby step three beyond the time, if you to just put a flood of dollar mouth. To start now: ok, Molly viral dollars more month or whatever make up a number of girlish ones further along I'd, recommend a percentage. In addition, ten percent on your tie, that would give another ex percent to other things, how we do it at our house and no matter what your income becomes over the years. You ve still got your formula always be, is you more you'll, always be giving more autonomy. Equally, and you don't have to stop and rethink and all that kind of stuff you and choose to increase your percentage. If you want

to later on, but that's not always know, Sir either dawn is whether in Grand Rapids Michigan head on committed over him. She shall I ever gone great man going up Question about on where to put it, retirement fun saw I'm leavin payments away. My wife, Ireland, we came away from being out of our inverted creepy and then we will have no I'll, be right into their retirement session, other soul. So if and all your order, retirement typically by if I Maxwell my la for on care, work on she's a contract bookkeeper, so she can do a lot for one k shut up her, then and then we could do wrought iron aloft. My reason, for I have an option. I ought to do it ages, a modern obliged to do in ages, a cadet, Emily, double packs

They don't pay taxes going into account. I don't get a glow tat. I would but I'm just trying to figure out how to best placed at last today at the age of say, if you use for medical is a double because you take the tax deduct Even if not really because you take the tax reduction and then you don't pay taxes on it as you use it, and so it's really just wants and you can at the growth on it. You check out a company called health equity We have our age essay savings with and they have mutual fund options. I ever used my age s, eye for health issues knock on would consequently, a couple of thousand bucks on it because I just up every year, its one no way I can max out things and if what your homes paid for You know you max out everything, so you did you take bunch of everything at your fingertips, and I will be both Roth's both for a one k, Ross and the age. I say, but you get aid.

Acts deduction when you go into the age I say, and you don't taxes. Only when it comes out show that is like tax free Use of that money, if you use it for health, and you would you use there before? does the Irene now would you saw at first because its grow its tax free growth, regardless what you use it for What about the measure that I thank you for the cop open founder AAA eight to five five, two to five carriers in Dallas Texas, I carry happy new year, hey hey it happened to you. Do you too, and thanks protector Mccall chirp? What's up I'm here in child lots. To the tune of suddenly thousand dollars loud and credit card that here

I note the purchase my years ago, almost now lots of things went along with it that wasn't all the alarm given advice from a friend a year ago, to just start pan the credit card that they were all zero percent on the interest rate started. I knew they were about to skyrocket, lose you gonna get point when I could even the minimum payment anymore, and so they just quit tan stop paying, and I did try to call

they weren't willing to negotiate anything with me. They didn't want to talk to me because our current on everything I had always been a course. So now the comical circle, but they were alone, would come back from this break will get the rest of your stories you would get on this. Is that every measure

Rachel grows rooms. Impartiality is Michael. Those today open phones AAA eight to five five, two to five or targeted, carry in Dallas Texas. She ran up. Suddenly there are large and credit card that, as the interest rates went from zero to a blown as they always do, she was unable to make the payments for French suggested she stopped and it's about how far we got the conversation. What else is going on miscarry I started work in your programme last month are reached out and a financial adviser found me. And we ve already met she's, got me on a budget He done plastic surgery. I've done our homework, we're meeting body that again,

the new things are actually knowing gray and I will show you how you're out of control you're starting to feel in control. I'm more income taught me. That's the first time I've ever been on a budget later on. I checked out every dollar, but I think we all this be fault that, after the you need a budget line in a b, calm with better for me because of all this unknown I don't know I don't know, I'm gonna get on our ok. It's gonna be much. What are you trying to run to debt? Snowballs is up Sir I've got I do ask Rogers and paying two of them are not do it

I got myself. I got something for two others through the same debt collection agencies, law firm and I did get a lawyer for the first one and could keep myself because I realized I can do it myself. So weak that he settled firmly on the first one, and then I guess it good, The template to know how to do it for that's what I pay, for that the second one. She is that snowball burns. It's gonna be common at me. You know the different. Now, how monotony and wants it goes. Someone's got to settle those out no euro, an adult, ok, like you, but in Texas? I really can't do anything like that.

Couldn't get control of my bank account, which would be not in tax reform, not in exercise, I thought I'd bacon, Can you already know, I think what you don't need that only data given your bank account information, right, I figured I could you switch bank accounts that were the case now. Ok now. We're not gonna, let them create the emergency, we're gonna, let you created all national and our seventy thousand dollars in default. You're. Ok, and what other dad do? You have. I only have my own my own one. Seventy eight on that, because of its term I am currently on everything else. The seventh o seven thousand perfect and what a low profile My income is seven,

eight thousand, I am also work in I've been doing over eat inside delivering and also about a poem five hundred dollars ass. We know where to go on our planet suggests, keep while Europe by right, I mean your inspiring made a huge mass and then, when you decide to do something about it, you gotta blood from the lawyer, you met where the financial adviser, your work and your plan. You picked up an extra job budget made a budget. You do in everything You are really on higher, I'm showing route. I do so. I am, and I just want to keep the spider, as you get little summons. If you want to stop and settle those, that's fine, but if you get one and a huge one. Just let it said one common. I, like I don T, mean to eighty two hundred. I tell them. I spoke with them,

the phone, and she was the one on the talk to me without she wanted me to make a good faith. I cannot do that today. I don't need to know what you would be willing to settle for. So I can you know, plan for vat and be able to give that to you in a month of key and should go back in the thing with you right now that you now than hang up go ahead and ongoing or murdered around. I am joking, The site is not actually the woman, she's gonna hack lectures, attest pilot for a broom factory trader. Then, ok, That was you hurt yourself. There's not Europe, that's all a technique. Let's go intimidation and Don't want to do that to you. You got a plan, your I'll fire, you gotta system, and so one you don't let me hear airs, what's gonna happen again, you have three different someone's and or collectors coming at you- and you are two thousand dollar sitting there.

This is in the future and the future. What you're going you're gonna mess with everyone. I'm gonna go two thousand dollars who wants it? First in the UK you will get that as a settlement on eight thousand dollars. That's behind or number one, then we're gonna go to adore number two and three which every one of you calls me backfire. That's whose get this money I'll get back in the rest of you later. When I got some money- and this is a game, show baby. You know. I just have some fun where their right and then you know how to settle and to do that, get it in writing and do not allow them electronic access to checking account now why they don't know where the flippity is right. And they don't clean. You rest everyone, but I been settled on the small farmer. Did the two that are settled on

I do not need to pay online or anything like that, because it is in its settlement Emma Save to just go online and pay them or do I need to do the cashier check every time you going online means they have your bank account information? Do you think they would do not do that? Ok, ok, that's what I thought I was gonna die because they they at once they have if their unscrupulous and some of them are they confer on clean up. Your bank account ok, you're gonna get around the working with everybody, we're not trying to ditch and we're not trying to be a dead Bates we're just not going abused embryo aplomb against each other. Until we get through this, so I need it might be thought there, nor by Klaus tomorrow I do have three cards that our current I'd knock them out We cannot now I'd knock em, they're gonna knock them the current ones. You now

met not bother with saying calumny different in our well. Normally I normally when we tell you what your advice restrained, that they are merely what we tell you is run to debt snowballs run current staff and pay first and let all the stuff it's in default of shit. What are you ve gotten where the car payment and the three active credit cards everything but your house, then that gives or cash flow to deal with, others in default. That's our normal routine. Yoga few of uncommon at your right now, If you want to Canada Randal, butt, head, fake and jump in and out of that and jump over, one of those summons. That's ok, there's not a bad here s. What I don't want you to theirs. I don't want them threatening. You are giving you hard time or bashing you around to become the priority instead You set your priorities. You have power over money for the first time in your life, carry use it,

You may not have been taken to court and sometimes a lot of pressure to settle a thought or we shall have to provide justice good, not words, right, but I thought that they would be the full amount plus court cause nobody will, but we are also going to negotiate that damages cents on the dollar can an economic giant there. It is junkies, aren't dont there. It is drunk bet. Already hunger fault, it's called junk that in time for this they all say no weapon. Learning the cardboard itself to allow gave a corrupt, the third party, they either own it or they don't, but when they get right, a solid they're gonna sell it for a nickel on the dollar right and so that's what it's worth to them. It's Johnny, Depp it's it's almost a year since they been paid they had their. Abilities they another probabilities. Almost zero is five percent chance. You're gonna get paid, and

that you're working with them get some all excited. You actually have a phone number their works. Everybody else the database? Doesn't? I mean that's what who there dealing with and so the ear you're like a unicorn for them there so happy to talk to somebody who abuse you so,

ray query carrier, doing great, listen, you're, not in Ramsay, plus I'm a butcher and hold onto my colleague pick up and make sure your time that, as you are doing everything right to straighten out your life, you are doing a full reset, which is what we're doing next Tuesday night guys you dont want to miss out on that. It is a free, live stream of aunt next Tuesday night at seven o clock text, but the word reset to Dave Ramsay, Dar text it to three three: seven: eight nine reset set three three: seven: eight nine and join the new upcoming live stream next Tuesday have a friend or a family member, the needs a daily those Ramsay advice and their life. Let them know about the Ramsay call other day, pod gas, it's a quick of advice about life and money in under ten minutes check out the Ramsay call of a day. Ever you listen to me, you ve got questions about retirement, investing becoming an everyday millionaire, go bigger and broader. With my man Chris open on the criminal gangs, I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing in how to become an everyday millionaire subscribe to the chorus of insurance. Wherever you listen about gas hates.

Producer of the Dave. Ramsay show this