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What are the resolution from the dollar Carmelo Soria rampage matters down measures it has taken place in the Bmw status, symbol of children's. They were actually your host like you for joining us, open phones AAA eight to five, five, two to five Christie right: Ramsay Personality Number, one by selling author and author of the newly released on sale as a pre sale anyway, new book called take back your time,

the guilt free, the guilt free guide to life balance so will be talking about your life and your money, the shower. It's a free call triple eight eight to five five too. Five and some say they advice is worth exactly what you pay for it. is whether snickers in Colorado Springs Nick, how you. How you doing better than I deserve. What's up question about whether I should finish but don't smell ball. They not must do alone, he's all right. If I should be financed at those times, authorities are so low. Ten thousand dollars on my student loans by re, write them down. There are fifteen year mortgage for one point, some five You're right, you're right currently on your mortgage, is how much billion one eight people want to live. Ok, and you said you were quoted what.

One! Seven, five! Fifteen year, fixed rate, the extreme bunch appointed so many points. Right now, they turn down a large point. Eight, seventy five. little wonder about one percent. Sounds low. Ok, Oh yeah, spacious, I don't think mortgage rates are below one percent below two percent. Yet less on this something over the weekend, which is possible, but I don't think I did. Ok, So this year they always I'd. Give us great. How can I watch a local cardigan, What's a balance on your own? ninety five? Well, that's a below market right! I'll, decide that way.

Ok show that that's an old man, so let us call a two percent down from three. You would refinanced just for that, but we don't role your dad and do your mortgage yeah. I don't want allowed in. What's the eleven thousand dollars stern long got to do with the equation, then all understood? I want to see, if I should finish gained with the earth or partially ah wisely is, It cost out of pocket to refinance. Then why would it affected actionable because it because much own up go into a fifteen year, you're talking about five to ten dollars. Ah, how can now I'm catching up? Ok, I'm will slow. Only objects are ok show. The big concern is not money out of pocket. it's not rolling the student alone into the refinance it simply you're gonna have a higher payment. That's gonna slowed down how fast you can get from Europe.

Lumping all right. What do you make the ninety five thousand good question took me a minute to get to the bottom up because I'm, like I said I wasn't gathering, I was too. A graphic where you were going and it was none of those placed the out yet Yes, you do this, it's not gonna. Lower down that much five hundred bucks a month and grecian payment changes. Your flow, six thousand dollars a year, making ninety thousand that doesn't keep you from getting a debt. Ok, slow it down a little bed, but it might slow number two months or something is already on that income yeah! It's it's! It's so different! the call we just had before the break too, because you have such a great income? Nick you're gonna get a debt quickly, Whether or not you refinance or not, so you can refinance and get a debt still in a very short amount of time, because you have such a great income, that's the real! We talk to people about getting

income up, whether through business taking a second job, their job, the bigger Although you have the more progress she can make clear goals. Whatever those goals are, if you don't have an income. There's you just your tight, there's nothing! You can do that. You dont great neck, That's awesome Lucas, where Lukas Charlotte North Carolina High Luke area do August. I am almost as a matter of course. He has probably answers. For a moment quite heard. It asked the time I've been listening, so it I've been answered the same question thirty year, another guy mass erratic My question is this kind of determining whether or not that sixty seven oh I've, her I have all milestones essentially met. The conundrum amen is still rent so attack. We don't have a mortgage, even those that set with pain because they pay off the mortgage and I consider myself as an aim myself

a mortgage payment a month on top of what I've already saved her my downpayment inches above you recommended amount or would it can't put me in the steps seven. Instead, it doesn't matter you're, doing great, I'm so proud of you. How are you to me all right man, you're doing good well done so the bottom line is you don't have any doubt. You have an emergency fund, emulation you're, putting fifteen percent of your income to redeem right. While look at you freakin rockstar. and then every other dollar. You save right now called down payment money, because the bigger down payment, the smaller that at the faster the house does get paid off when you buy it right absolutely just make it real clean. Anything is not an emergency fund. That savings is increased, downpayment We'll have to have two categories: I've, just pile up: a big ol, Paula Mun me

buy a house and almost pay for to pay for it? I love it. I want you guys, I ve already for the house about fifty three five three, why a girl? You do an awesome. What does your income Many want them good, for you Iraq and this man, so. I'm so happy about our two thousand, our house. Today you put down twenty percent because you know- and if you and if you wait three or four years, you project pay cash for it. Yet, That's kind of oil is gone with. This question is considering concerning how much I have feel quite difficult taken The debt, considering how much unable to promote suddenly now, I'm in no hurry to buy your ass. If there's a reason you don't fit and wondered at one of the baby steps. Just perfectly is because you're not normal normal.

People have a house payment and car payment in student loans and all the debt we walk them through, which is great cause. This plan works for them. A person has normal debts, you're, not normal. You have But how shut your possibly save up to you to put a huge down payment or pay cash you're, just gonna fast track yourself: The baby steps seven year do an amazing doing during a love. It well the answer. Yes, and found a triple eight eight to five five, two to five. If you don't have it on your calendar yet September, the sixteenth Christie right,

we'll be doing a life of their own life balance and she's, allowing me to push by African a company of my sweet of you. Remember that way. You're gonna make the old man some work to do so anyway. She she's a star, the show and I'll be the I'll be there for the window. Dressing could spell it out. It's all about life balance its on September, the sixteenth. You can check out getting your tickets, getting a reservation for the live stream at Ramsay solutions. Dot com

got a lot on your plate, a job, your home, your marriage and your growing family. While you are enjoying the present, you can't help but think about your future and your finances as you explore your options. Consider christian healthcare ministries or c h, M for your health care. They're generous maternity programme and budget friendly monthly programmes have been a blessing to members welcoming children into their families. Visit C h, ministries, DOT, Org, slash budget to see, if its right for you that c h, ministries, DOT, Org, slash budget. for sure I Ramsay personality is my co host today. Thank you for joining us. America were glad you're here, if you like your job, but you feel like you, don't have a plan for what's next or you need help club.

The career ladder wig from great news for you can Common America's career coach Ramsay Personality has put his years of proven experience into a new book from pay check to purpose the clear path. ass to doing work. You love it's over above appreciate all right now and you need this book. there is another how to guide out there. That will show you exactly step by step what you do they get into your dream job and to promote a long way and grow your career. If you reorder the day you receive the Gatt promoted bonus pack for free hitting an audio lesson on promotions. The disk assessment freely extreme access to Kim's from paycheck two per paycheck from pay check to purpose live event, and a thirty day free, trial, Ramsay plus and more over a hundred hours almost two hundred dollars or the stop free. When you

by this twenty dollar book on pre sale at Ramsay salute she's not gone, also giving away five hundred dollars cash every this month, Anagram prize of three thousand dollars at the end of August and while you're there Christy's new book as also on pre sale. Take back your time. They give. free guide to life balance, we have two books right now coming out this far, both of them, appreciate all right now, Christy's will actually launch on September the fourteen. in Cannes in early November, manner at in a daily for extra chances to win the Ramsay cash. Give away no purchase necessary. You gotta, be Eighteen years old or older text, cash for the free gash to thirty three seven, eighty nine and you can enter for the give away. That's cash to three three seven, eight, nine. Our question today comes from blinds dot com they have one hundred percent satisfaction guarantee, meaning

If you screw up, if you miss measure, you pick the wrong color, though remake your blinds for free. You get free samples, free shipping and with it oh promos, they run every month, you're safe even more years, the promo Ramsay to get the best deal. Today's question: comes from Mandy and Washington. I have a cleaning business that provide services to vacation rentals in a nearby first town, I have many long time, clients and excellent reputation for detailed work, because finding workers is dead but these days of had to increase would pay them by five to ten dollars an hour. The cost of supplies is also gone up. I recently let my clients, no their cleaning fee would increase. In a few weeks, several rental owners, understand and agree with it, but if you are just rude one of them, one You know what I charge all my other clients. What's a good response to this type of requests,

Bob. I have finished than fed his thick. You can't help hears about, have no clients coming on board at the higher rates of there's no lack of business right right. You just answer your own question, maybe I have new clients come. on board at the higher rates of there's, no like a business they're gone by just like Dave said by their gone. Here's the thing there's that fear and business it. If you razor prices, you're gonna lose people in the reality, as you will and you'll, who's the ones. You need to lose you is the ones that are rude, that you're spending all of your time and energy. On that, our headaches, more often than if someone is demanding to know what you charge and what you do, that is none other business. At literally it's not their business, Fifth, the literally at Europe, a Europe that we want. A good point of saying comes from a yes, and so you don't have to feel bad. If someone is rude,

they no longer are a and you wish them the best. Thanks for your business best look out there I mean. Did this to me This is a very simple. I know doesn't feel like it when you're dealing with actual people in and you care, and you wanna you now, but but if someone's gotta. the nerve to be rude to you, you have to have the nerve to kindly show them the door. Your art show here's what happens if you don't get hard, hearted or calloused hopefully the longer your ambitious, but what experience does give you is that allege that cutting those folks loose. Is you didn't realize how much time there are already taking of yours. That's exactly has people that are going to be a rude client are usually your highest maintenance client ice. They take up more of your time. You make less money on them and show there's always a percentage of your business of you, Revenue in business that you

could always consider firing. So You can spend time on the it's. What we call bad bids, since business it you're doing this night, it's not good not worth the trouble right and important one. That says: oh, you mean you mean you're having to pay more for labour and humane your supplies. Costs went up and out of the way I'm gonna respond to. That is, I'm gonna be rude. Do you instead of saying you know what a cash I've always enjoyed working with you, but I guess coin it myself, because I can't afford it right to do that, and so has been good, though my, That's the way you leave. You can't afford it, but people the canopy ordered sometimes or the meanest now or they can afford it. They just don't want to answer their main and that's work comes down to you by the yeah you having the confidence Let them go and know that you're gonna be ok. You already said you will be made it. You have no lack of business and

you have permission to set these people for it. You know how my Mamma do it Dave? She would fire customers in the? kindest way, so she was You see the wedding cake business. If she'd get some bright, Zella Mozilla's, all the whole gamut of they weren't or can imagine Julia and What she would realises is truly. She would spend ninety percent her time in energy on her ten percent, most difficult customers, the rest of more right, and so, when she found it was time to fire a customer which she got good after thirty years of doing this, identifying those red flags early on here, she'd say something like this like but this is your wedding day I want you to be happy, you should be happy and I can just tell by us, talk about this can be able to make you happy, and I want you to be happy, so here are some different places. You can go check out our wedding cake. That'll. Make you happy. I wish you the best in the nice. This thing I have ever heard, but this, but what she did

she fired, and the beautiful thing about this is the net effect. Was she sent all the ugly customers competitor? I knew yoga pointed out here. You got stuck a business guards in your career competitors to talk about genius, you're, so nicely your home arraignments go see more component or put it back on them. You go. You should be happy absolutely clearly going through that. Are you happy? I can't meet all your expectations. You put it right back on their Jesus. Couldn't make you happy darlin show you need to go. We are suggesting that every now and then one of em straightened out oh no, no, no! No! No! No! This is about and they would start to behave as good. Having customer, but she taught them if you're gonna do, This is me, you're, gonna, respect the way that I do business salmon, respect you and so on, but every now and then one of them was straighten up and they could say. But if not my voting card our not that unless the hammered out yet so what what we're safe, when I wrote when I interrupt in the middle of your reading, that, if a by that's from thirty years of the first

time, I did it. I almost cried out. Oh you! Yes, I did because I was so scared that I was gonna mess up the whole world and somebody wasn't like little Dave Ramsay. You know and then what I figured out crap about half the world unlike they felt bitterly there. Now. You know it's like the other half done, pretty good. For me, it's our! I M, be all right, so you know patrols and early I'll show you till you reach a point. You go it. didn't kill me and it didn't kill them That also gives you the power to be nice. your mom, what could she knew? It wasn't that I could get a cake made somewhere else absolutely and what's interesting, as you don't realize, how much of the emotional energy and time that were rounded up and those people and you're so much freer. you're, so much freer when you let those people go and in others what you ve done it for a decade, and you go I'd turn loose of five to ten percent of my business every year. I let him go in the name of their now,

worth the trouble, and I did a kind but powerful and strength to work their way once you ve done a bunch, You read something like this: you can get half way through it and go by yeah it's not hard. Hearted, it's not calloused. It's like they're gonna live though it has just freaking getting your house cleaned by their lives, so they self selected by how they behaved, but how they treated you ate shows that not you and then there's other bunch.

Just crazy, they gotta go to others about two percent of the public should be institutionalized and you really just don't want them is a customer for sure. So you despise them quick, that's a little more joyful, but don't about there's no reason for you to her cousin were care, people don't call and yelling cuss at them. Does I tell them oldest? Take you out of it at a base. We don't get. They don't get paid enough to put up with Hollandia with a problem, be nice and will help you women. This is the rams. pressure I Ramsay personality number one by showing author is my co host today are new, but take back your time,

free guide to life balance is all pre resale right now J and Heather are where those they are in Minneapolis, and it says on my screen. You guys are that free, congratulations, think they do Congrats, how much of you guys paid off one hundred tonnes, eight thousand dollars good for you ask them how long this take each other's fifteen years. ok, cool and your range of income. During that time. Thirty five to eighty thousand. Ok, we'll do for a living these days. an IP director for a library system, an unmistakable mile of nine kids, and I homespun them now- Who cares you I've got a lot of miles to feed is still got your way out of data we started

One can only started a baby steps when we added aid along the way and they were all paid for with cash. No no repossessions today, not that's good. I think a credible Heather. I can never complained about being too busy with not three stifled. Again, that's amazing! so don't worry. I saw a hundred twenty eight thousand. Is that house and everything everything twenty thousand dollars student loans and that was paid off and the first thirteen months and then the mortgage after that la I'll wait a guy you paid for us did you ever think you'd have applied for hours before the planned, once we got on on track and knew the plan we knew we get there's no definite way, but I'm back in the day, like those people, I ain't gonna walk around going you, I'm gonna have no mortgage. When I'm older people will say that much for you man? How old are you guys, I'm sorry,

five and others. Forty two Coca COLA Awesome tell us the story. What got you started on all this fifteen years ago, when we our first cheered and we were wanting to other to be able to keep staying at home and abroad scorn. Money was tight, You on focus on the family. We back then, and I got excited about your message. I got the book financial PETE around their financial, peaceful and then I introduce you to Heather and it turned out. She'd already heard your master somewhere once before. You couldn't get me! I couldn't get it through me. Of course you came around when I was your idea right jack, but that was long enough about ago. Probably doktor draft option was still on their way. Albania is a long time. That's cool! we made very fond and show you Aren't you shit now that she really?

Is that it was your idea, we can start this, and here we go right exactly I love. Very cool they paid off. Furthermore, quickly so what're, you tell people the key to getting out of that house and everything with nine kids is well. You have to want it and many have to start. Not something you can just want an unjust warrant and get it it's hard work. It's not you, You keep goin when it gets rough when you have been opening to get a fifteen passenger van out, it's kind of discouraging but keep goin with love. Hello mortgage. It wasn't challenging because we don't have that debt snowball to build up the momentum with, so it was just a swan once we get to the mortgage also hopes, are very important. Plastic Justin way too much discipline, even if it's just a debit card, Knocker LAW, envelopes at voluptuous place them ok, this is so interesting, so

sometimes I read ready, kill us push on social media. They say things like well that I've Ramses to have doesnt work. If you have a large family and then I have family people charm in and say- The only thing that will be the earliest. It's it's bad enough, all the things you have to think about with a big family, but to her those that considerations in the back your mind just nagging at you and it's very free that we just have one last thing to think about now: no house payments are made Sure thing that you don't have to think about no house by relapse. That's like yeah and so all we do is worry I'll always make enough to feed all these baby birds and close them. Make sure we have a nineteen passenger ran knowledge, stuff man, it's pretty incredible, dude, that's just beautiful! I love it so proud of you guys, how's. It feel, like you,

it's fine. We actually get to make choices of their budget now, instead Adieus buckling down and moving along, like the tortoise, knowing tat, you know, harbour and have fun and they can give. And we can all go out. It is a whole family, which is something we very rarely ever have done now. How is it with the kids at those non kids in a variety of ages range of ages? I'm sure they're through this journey was something I'll talk about as a family kind of get an area. He bought into this. This vision is a family of what you are doing we started early enough that we do the gay body to buy em. You just told me always gonna be dear. What that's that's for sure, by turning up good. Now, as we have a sixteen year old and Heather isn't working really hard to get him through college without any doubt without a huge amount of money in the college. Bunkers we just how baby college friends for everybody- I ve been doing a lot of testing for credit in his sturdy per second,

secondary raw materials in the fall in he's. Probably gonna get out with only a few dollars out of pocket to to get his degree loud. His very first car this week that free la like one having by butchers. two thousand three tourist you know you're hooky now want to pay for it went out. I love this kid. go away do too is gone, school, Romania and to go to school debt, free anybody's, first Carver thousand bucks. Gash me sixteen. already planning to go to college that free! Absolutely you got these We have we done already. I Amerika. You know, that's called parenting While a mom yeah the inmates don't run the asylum when you have nine, they do with their told It's amazing guys. You guys incredible so impressed with you. Yes, man, what a man

great model, one, but very, very cool, very cool. Well, We ve got a copy of the legacy journey for you because for sure that's, the next chapter in her story, without about an hour of the total money make over for you to give away to somebody and get them started lot of arrows in your quiver. That you'll be able to release and sounds like they know how to fly straight already, which is good parenting, and show the judges fabulously done you guys very, very well done a hundred and twenty eight thousand aright, I tell you what we need to. We don't need debate tradition here. We need you guys to name off all nine names and ages before you do that for each Graham quickly. kill of sixteen James thirteen Josh were twelve Anna, ten Mica Gideon six Lydia.

poor Timothy too and Ruth eight months, our right out there we go off a hundred and twenty eight thousand paid off housing. Everything worked they were pretty poor. First, you're going to do it might forty five to eighty, the downward Sarah debt. British three all those little voices in the background is firmly tree changed and it's a big tree, a battery oil. Then they will learn. Ok, so moral story, you know like a gazillion dollars to be there for a moral story. Large families not only can do the principle, We teach living on a plan getting out of that having an emergency fund? Our implies living on less than you make these simple but hard to do.

Concepts that we teach everyday actually the only shot, a large family Jeff, you know wiggle room, we got no margin for error when nine miles to feed right now, that's true as interesting took as it will have a big family, small family or whatever you're circumstances. You can find an excuse. If you look for when all we got a big family. Oh you don't understand my situation. You can look for an excuse and in your when, or you can just look for a way to make it work in it does work and we see people call in from all ages all stages all different careers in three industries and families, and they're, making it work, because it's a principle that can be applied.

Lots of your family, and I was I love that example that such an extreme example want. These principles were the truth. Like the law gravity is the truth. They weren't everytime large families. To this is the rams

this year. I personality is Michael host. Today me is in Sacramento. I mean our EU media. Our you might be mute, maybe my beard and push the button right. I'll put it back on hold on Let's try in Minneapolis High shown. How are you. Hey, I'm good already has done good work, you have to hear your voice. I'm good soul. I have recently picked up your total among make over from a use, bookstore I'm really glad I did. I saw a crazy lucky guy coming up on credit card and I thought what is this about

and I just I probably told then I'm done said aunt em up all my doubts and I can't forward. Or to the gates were come on staging. Do my girlfriend good for YA where my own question. My question is about the budget and the Specifically these things. budget for that. Could change animals the month basis, so like your bills and your mortgage is relatively easy, because good are really change much at all, if at all, but I can't struggling with the idea of like how much money should we be set for groceries or colombian phases of like that? I guess

you guys go out for like a percentage, for this are like a flat amount per person in the family. Would you recommend? Have you? Is this your first I'm doing about it? I'm all you had like a house both budget like I said, I'm doing the easier things watching until I started using me every dollar three, but I really started so yeah I'll tell you how I learned that I wasn't really doing a hundred percent yeah I'll tell you how I did it when I got started budgeting, and I think this is how we teach it Dave correct me. If I'm wrong, but what I did for my very, this budget is. I looked at my bank statement for the past three months to see what was the average that I had been spending on groceries or that type of thing not because I always needed to spend that, but it gave me some type arrange some not setting some ridiculously unrealistic, number and then come up great ahead too.

quickly spend about this much and then you can kind of structure. Soft. Your goal from there ll be no four for that some of those things that can fluctuate, but because you do among a budget every month so, for example, its eight August right now and I just went back to school shopping for my kids. They need the new clothes that outgrown some of the clothes and so on. So I know, are that's gonna higher clothing month before the month, yet you can predict that Why were right before the month of August is gonna be back to school shopping month, whereas You know in July I M not going shopping for clothes, for example, say you're, so we all sit down before the bunch month against every single month and it's it's it's the best guess. can based on past track record and in line with your goals of what you want to spend an end where you're going into it must ain't that right, you did perfectly quicker perfectly. Instead, Clark, even utilities will change from month to month like we're, Tennessee and show it's really hot and the summer's answer.

Air conditioning bill or electricity bill is higher in the winter. I hate my home with a natural gas. So. My electorate bills are fairly low, but my natural back gas bill goes up in the winter and shower. I can that December's gash bills gonna be different than change. Ok, here's an egg rise and look at last year's. I can look at last year's and guess pretty close to what it's gonna be and on that anything you want to get a little high, so ok. Last year's gas bill was make an upturn. Thirty five dollars or whatever ok, we're just going round that two fifty and put but in the end that way, you got yourself a little wiggle room. If something comes up, and arm and that's how you do it and then the last piece is that a lot of people, including my wife, the envelope system and will, for everything, but for a few things you mentioned groceries by the way, a hand on groceries, whatever you think you spend on groceries before you.

We start living on a budget you're wrong. It's more yes alarm, usually, if you think you spend five hundred, it's probably more like eight hundred, if you think you spent eight hundred, it might be twelve hundred, I'm not talking about restaurants, I'm talkin about groceries, only supper gross region, restaurants, a park of reference for entertainment and groceries, your food, Yes, you get food at a restaurant, but most of what you pay for is the experience of having someone else cook it for you and clean it and all that stuff. So you know, go that rule where there should be much much better off now saw the envelopes. Are we do that? As we say? Ok for the month, I think now spent eight hundred dollars you, but I don't dollars cash in an envelope and right food on the outside that I'm gonna blow by anything other than envelope except food and don't buy food except that envelope no treating, and so you are using cash that those two things one is from then on low gets MP, you know you ve, run out of money and there's a little catch mechanism there it's empty verses. If you ve got

plastic or even writing checks in the old days. You know you could just keep going. There was no there's nothing to stop you and go oh weave, overspent the budget, and you can do that further. back to school clothes. You could have a black to school, close envelope for August and say that's it because you know You got low boys goin back in their little boy, stuff scooters at low girls, not just about its gaming, that it's fun Gresham up now you know and you can go crazy in their easy enough and blow your amount and not an all council rationalizations justification, but if looking in that envelope, a real hundred dollar bills, real fifty dollar bills and they are leaving it slowly but down because you feel it yeah. I got a quest, but the envelopes- and maybe you ve, talked about this and I've just missed it. Have you talked at all about the envelopes wrought, but you have is like built in discipline, rightly because its visual, you can see it. He knows

since the pandemic Dave everybody has so much so much online shopping. New and Amazon man at the card, is still easy weaponry. Their genes are answer that disappointed if going by on line you're, not using the anvil up, and I used to run this changed over the years when we first are taking this thirty years ago you did not pay for gasoline at the pump yeah you walked in, tried to pay fright at over their old school, I'm over them and I hope TAT I used to carry and teach to carry a gasoline nobody. I share my cash for gas and then when it goes up five dollars. A gallon you're, like pissed at the president and so on that kind of stuff right show now, but I haven't paid whether women have a gas on below but their energies. In years we re with a debit card right like all doing online right at the at the pump, but so you ve still got a budget that an keep track,

have it and you gotta have some way and they every dollar budgeting apple, let you know, but you ve got it. You gotta categorize, each of those expenditures and when they pop on your debit card, especially if you get the premium addition words, what automatically logs and all that right, then you go ok, dragons A drag and drop. Your dragging that expense over into the food category at Amazon dragging a food expense over there. Oh and we ve got some cash over here. Then you look up and go crap policeman, Father bucks further should not work. I can't do this. One every door makes it so fine and makes it so easy to do, but you're right, because you might have a grocery budget or clothing budget and you spend majority of your monthly expenses out of that on below product categories cash, but then there's a percentage Amazon fresh or that you get a couple clothing items off off online and you ve gotta be able to reconcile that this is all coming from the same budget line item and it will up down when you start drop in those things over that are better transactions like you're talking with its midst. It's important to pay

mention too, because you ve got things coming out of different places and if you're, not careful that add to cargo, gets a man, not that I know anything about the took heart I want that is so you can add stuff. They suggest that people like you, buy things like this, and then you add to that our it's. It's like it's, not even that David, like sometimes your does haven't a day. I do not need to add some things from a cart just in a cart illegal. Court Wilson already had anything in it now. This is just for an interesting and early line shopping Dave. This has been listed. I guarantee other women listing or go like yeah. I mean they make like man around born going on. In the background I mean it's a real think that They make. They make doormats that city like

on man please had the boxes for methods online shopping is a real, no one. No one knew no, I didn't know, but I know oh, my god, like like you'll, see on Instagram a mean that says it's an add. Two cart. Gotta get a kind of day ok, so you know retail therapy online store.

a hundred percent. I'm glad I can help it. I M spending media is the big oil are just be showing just build shape. I dont not only you know about it, but you have done it. Oh, my god, I'm just curious range of our EU same maybe I don't know, but they wouldn't want Christie right. That's it puts us our the Rams issue about AIDS. Kelly says you pretty certain funds reigned over the reins issue. You would like to do your temporary screen lying on the show mystery visit. The Ramsay showed dot register with the plenary to cut the National tell day. Your story

you're right 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 and cresty right. You know it so easy to feel stuck. You live life just going through the motions of doing this is doing laundry carpool lines and a whole list of commitments that bring you no joy. We live like that. That's why I want you to check out the Christie Right, so each episode will help you felt confidence in yourself and the guy that creating dear more from the Ramsay network, including Christie, righteous wherever you listened, applaud, catch, hey, it's James, Do sir of the Ramsay show this episode is over, but the episode notes for links to products and services you heard about during this episode, thanks for listening,