Quarters of royalty solution broadcasting to put all our car rental studios. It's the day, Ramsay show what battened down casual gang and awful mortgage has taken the place of the Bmw status symbol of children's I'm they Ramsay your hosting Rachel, Creese, Ramsay Personality and best showing author is. My college today will be answered your questions. Open phones triple eight, two hundred and fifty five, two hundred and twenty five that's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five

crisis in Baltimore digress. Welcome to the driver amnesia. I Dave the third amazing. For me I actually grew up. Let's make your my aunt turns our lead round with Europe, but I'm really appreciate it. I'm honored. How can we help to nature? Here I gradually college on Sunday what should agree on a purely economic, Congratulations. Thank you. I am lucky enough to have no death from school and I have a job lockdown. to have three months. Extensive state and my fiance is in school to the suggestion that there is currently an because of your programme should incur speeding up

I'm trying away I'm saving for retirement of the start. My job burst disdaining to be ready to hit that there are at once we get May press. When do you guys get married? You thought you'd be in full graduate over a year were well for you I mean I went. I would definitely be focusing on your retirement right now because praying everything, I'm sure you sound, very responsive, very love. Some showed this wedding is going to happen, but, would do is still take advantage of the four one can the company. If you have that our raw fiery and then on the side, if you want to save some money, just in general and what you can earmark that four for a year from now, you guys get married that you can throw at her debts for sharks, it'll, be your debt together at that point, or you could even that is a down payment on a home later

have to whatever you want to do, but just earmarking it's on the side, but not. I would still fun retirement almost student loans to show that it should have. Like you, are going to be at or around a hundred thousand dollars. My changing answer. Ok and you you MIKE what are you waiting sixty five thousand year? Ok and then she'll be making probably about that when she comes out roughly two, so you have a hundred thirty thousand our income a hundred thousand years to London. Yeah, we're being that much, I might delay retirement for one year. You apposite really do and justice policy cash and get ready for them marriage, because as soon as you walk down the aisle, your hundred thousand dollars in that and you gotta get cleaned up. Then, before you start retirement in your twenty two, you got plenty get to retirement, either answers gonna be ok, there's not or not. Neither one of us

her. Neither one of our interests are wrong. It's just a matter of I. I think you sure sure would be cool if out of sixty, five thousand dollars in eighteen months you had put aside sixty and the only at night our forty. When you got married, will you write a check out? You walked down the aisle for sixty. yet a pile of money lay in there and then Have the knock out! Forty, when you got married, she passed his or her her bars, and you know her licensing an all out and is able to go forward but yeah. I because you're gonna have stop retirement after every do it for Alexander for one year as far as an interim, stop it and get you gonna be back in debt, but either way you ok, I'm and you can do your Roth. I re for one year like Rachel saying, is not or not not a wrong answer here. The fact that you Twenty two, your graduating in economics, she's graduating, is appear and you're, even asking these questions makes you a genius. I mean you're. Just so far ahead of the rest of your classmates

because they're gonna wander ransom for a decade before they can find a cheque book and so you just way ahead. Do you ask? neither one of these things are gonna mash up good good call. Thank you man and congratulate, Rhonda allies in New York City Hernando. How are you thanks to technical and well, are you better than I deserve? How can we help? I am looking tubes, I just sold my house and I'm looking to purchase new homes, I'm wondering if I should get a to family home, that's gonna, be a bit more expensive out. If you will stay in New York is cheaper, expensive but I plan on waking I'll, have it and that income, the project bring me down to that twenty five percent, it's getting commercial. I was wondering what are your thoughts on that Russia just go for like a regular house. Ah, I promise they would go for a regular house and reason. I would do that. Personally is a to family home.

The news is, your renter is next door and you can watch out for what's going on. The bad news is your renters next door and if they somebody's gonna, knock on your door, I mean it's. So it's up it's a little bit awkward at times to be in the same property, the thing is to family home ninety percent the time that is its sold. The is not owner occupied, many. It's gonna be an investor, buying a duplex buying a too to unit product and us your buyer, on that kind of thing is always an investor most always and its therefore they're looking for a deal, you liar on a single family when you get rid resale, is retail Joe and socially just got married once a house or whatever and son they pay retail, so so families of the exact same price will typically appreciate better than a duplex will just because of who the end user is when you get rid of flipped out of it but bits

Not a bad idea, if not the end of the world, but you know I sometimes we look at is the math and we're going all the renders gonna help we pay in that's gonna just be grand, and it's like. I know it sounds a lot. Crap involved That does not necessarily be fun, so I probably would I wouldn't personally because a quality of life I just went right next door. Marina it just I personally would wander the duchess and I've got a bond no property and I'm not a snob bitter winter. That's not the point, but I just did that. That's an awkward relations, what's the convenience of what they have towards you, yeah, What I mean you Polina driveway, above all, in the railways, lot weird next door, neighbor weird relationship show but No, what we eat- it's not a bad thing, but

can we not a slam dog? Oh yes, definitely take the income because there is more to it than that than just that when you, when you're running property, open, found a triple eight eight to five five too, who five and by the way there are what you learn, how to work with people in state business and you learn how to interview a potential inter for one of your property, like you were interviewing teen member to come on board with your company, is not dissimilar, You can learn to weed out. People are gonna, be a problem, he learned put in really high quality folks, a law, the rope either we have regular has been wasted. Runs are our impulse, Funds are all of our real estate and he does a great job screening. The tenants and it's not you

for one or two others too, have been property five years an hour fringe, they become friends, are good people and show that you know you can get The other you never hear me say were putting down. Renters were not because I've been one and we with a lot of really high quality people that for whatever such a quarter at this point or laugh the renting. So you can, you can get it. the proper screening. You can get a good situation. This is that every measure at takeovers We believe a great pair of cowboy boots should be comfortable right out of the box, and we believe that your harder and dollar should go far. So we only sell direct EU, no retail markets.

amazingly handsome western boots for men and women find your parrot tick. Was dot com, Slash, Ramsay and for a limb, Time use promo code Ramsay to receive a free, campfire mark with any purchase over a hundred dollars. That's at twenty five dollar value of rebellion online, only while supplies last and it and soon Roger crows, Ramsay personality to Tom, by showing author number one by showing author is Michael hosting, Answering your questions about your life. In your money, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five, Rachel fridges, no yourself! No, your money will come out in just a couple of weeks January, the fifth We will be shipping, it is on pre, say all right now

and a whole bunch of you about it. I had a time. Thank you, tens of thousands of you and I appreciate it if you pre purchase it before January. The fifth highly recommended by the way Not only does it help us should help you that's the important thing you are going to get a call whether Ramsay preferred financial coach. This is for a limited time. you're going to get the no yourself? No, your money, audio book, the know your no your money e book and exclusive video lesson from Rachel cruisers well a hundred and fifty dollars- in bonus items when you buy toys? Honourable, so why do we go to all that trouble? How do we bribe you like that? To get you to buy a book item, because it's a great book number one you're gonna get it anyway. You might as well get all the free stuff up front because it helps us with Bush analysed. Get him get a bunch of em precept.

And so it really does an end. So that's why we push it that like this is why we give you somewhat free stuff, chi, CHI and reject sure you're allowed to Djibouti. Ok in the region, and for the bazaars is not just for the title of it. It's because, if a book, it's on a vessel as other outlets, pick it up. They see it, they read it. So the other here about the book to help them and makes its Ireland everything. Oh I just we. Thus Otto eyes, we are already been number one twice a year, another bit better. Do it yeah, so that it is a cautious the book to be able to help us more? That's right! That's right! You so that its out in the world more because people can understand why the hands The way they do everything from how they grew up to their tendencies. Their dreams are fears, all of it a gives this validity of what we ve been talking about, that personal finances. Eighty percent behaviour: it's only twenty percent had knowledge, but no Why you have the behaviors, your hat. You have hope he changes avers that are unhealthy,

and when with money faster, so it's it's a fund new, deep dive into how to look at and yet, when you priority get hundred fifty fifty dollars with free stuff, check it out. No yourself! No, your money, a diagram, she darken Washington. You see. Tat is on the line. Hate Todd. Welcome that ever amnesia. every day how you do right, man, how can we help arrival? Gets you live in Algeria, Virginia thinking about refined in our house on tremendous retrial, thought it worth it. I want to give you some current scenarios, see what you think what your current referred current interest were financed last year, the end to those nineteen. I got three point: five, fifty. Eight fifteen arm had been pain extra because him away from the late this evening I wanna get this damn thing paid off to school. Can we get a like that? Ok, social he took a three to five arm yeah. It gave the deep remark ready.

And watch the offer on the refinance, crying and offered to point five. I was going to switch to a fifty year. Stick nope awaits yet there tell me the closer you got two they currently hold. My has grown old. I will try, be sixty five to eight thousand at the ball park. Watch her bow flows, because we owe three eighty four, we are all under sixty five hundred included escrow set up, but you get your other escrow account back what your closing clash, not to sixty five hundred they about thirty two hundred years now that right, yeah thirty five bank I shot yes, you're gonna do this area! what about your wireless network to the matter? and already your site. Your saving three quarters will point. So I'm gonna destroy one percent of three. Eighty five is thirty. Eight hundred bucks- you don't say thirty, eight hundred bucks a first year at you. Broke, even after your one, everything after your ones, greatly on the biscuit, you're gonna, save thirty, eight hundred

or so every year until he gets thinking paid off. Not quite as your balance is gonna go down, but overall, I mean you're gonna, save tens of thousands of dollars over a ten year period to turn but doing this reef. I absolutely delighted and what I now contain eleven hundred extra every month and write about just just paid out accuracy, the nearby Almost a hundred. Ninety thousand an interesting about switch. The fifty pages another about three hundred extra money the same pay Lumley, alright, now exactly unshaven off another forty thousand ranchers dandy seem like at the end that we say that's the shortening of the mortgage, which is one analysis but way you analyze, whether refinance is simply your interest saved the difference in the two rights times. Your balance version closing off got you in that now you want to do it or not- and you have a one year break even point on a break

Alice on that and if you're gonna stay files that are no brainer. You do that and considering its an where's your getting right arm is out of it to yeah yeah. That's that, never do an arm folks special in the lower interest rates and fifty years were you thinking from here up. We just don't do arms, no, no, no! No! No, no open eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five Ryan is in a Ryan. Welcome to the show Don't hurry now better than deserve? What's up aids, I graduated this spring and Virginia Attack, and, and take a look at paying off my student loans, and I was introduced to some of your videos to you

and I'm trying to figure out the best way to go about that cannot sit on that. You have rain just over. Fifty thousand, I think, like you won, t, have any other tat. Besides that car alone or a couple thousand, that's love it up quickly. Yeah yeah and it's the fifty thousand sit allowances are broken up into more Alonzo at one large sit align its multiple loans- and I guess that's kind and where the main question lies of them- saving up to try to take care of the highest interest rate. One of those loans to save myself money ends you're, watching your videos about the bat snowball im, not sure if I should give or take care of a couple of the smaller ones to lower interest rates, verse gotten at this hour last question how much you have saved is: have you been saving to throw the at the highest interest rate or you're? Just hang azure getting money, that's what you're paying off first

saving the do their style a couple months. I guess only about a month until they actually turn on six months after yeah, that's about the bank, my payment start in January, the urban their savings account right. Now, eleven thousand after another beer bonus, I think, probably more like thirteen. Ok and what is your smaller student long, sixty seven hundred, I think perfect. Ok, so you probably heard this on Youtube. We're gonna, lift your debts, smallish, two largest right. So today I would pay off your car, then you're smaller stood alone, any aid, but that would be the best of the best way I mean I'm definitely Saver it talks about our Europe safer spender. I'm definitely Sabre saddle

There is a problem that keep down with that, but you think that I should take their the smallest learning and the car first job, because when you look at the time, Nobody versus the debt avalanche is another way of looking at the highest interest rate, which are doing with at snowball not only halves. Please come out to show that it is the fastest way to get into debt burdens upon as you certain knock out, though solace debts and if you are limited, completely and what you're not factoring in is just the emotional toll and what happens to human hey viewer when you start to get quick whence and so by, knocking off this small step for We are actually doing so to keep. You motivated IRAN as a safer Europe. Putting we're gonna tell you. If you have thirteen, save your bonus, putting at all towards dad, except for that dollars is gonna make you feel very uncomfortable soldiers heads up on that too, but that gives you

urgency, as well, so by paying off smallest largest up telling you the behavior change that occurs in you. The motivation continues to get those quick wins absolutely left alone Africa. Fifty two thousand fifty three thousand dollars minus thirteen is forty and you make what shape it made. Fifty one the camera helma forget polish was income. Was it that shows how clicking on fire forty a maximum of eighteen, much yonder refashion added get after it. Getting This is that Abrahams Russia,

as we can. Ten you to face challenging times. I hear that a lot of you have been calling Zander Insurance to see if term life plans are still available. The good news is that the insurance companies are starting to loosen up the restrictions. So if you haven't dealt with this yet do it now. Let us crazy season, motivate you to get your priorities in order and check the big things like life insurance off. Your list rates are still low, calls andor, insurance today, eight hundred three five six forty to eighty two or visit Zander dot com,

Rachel, Cruze, Ramsey Personality is my co hosts they open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five or the day comes from blinds dot com level. One hundred percent satin can guarantee. Even if you miss measure, you pick the wrong color. They re making blinds for free. You get free samples, free shipping, the new promotional run all the time, you're safe, even more use a promo code, the magic word Ramsay and you get a better deal. Today's she comes from Monica Nebraska. We aren't baby steps. and we are in a large amount of debt because of various stupid decisions, my husband is really not interested in working this programme. I am the one that does all the financial stuff and I am the main Brandt breadwinner. He has basically said tell him what

spent on various categories and he will make it happen, so decides work for that snowball. Is it wrong to forward when he isn't really supportive. So what's the deal is the when you're married when you both can work together and be unsafe team and go towards the same goals. You have the same vision: you're gonna get their faster because we're both me willing to sacrifice you're, both thinking about a day in day out like that, is what your working towards as a team, so you're going to get progress a lot master. It doesn't sound like he's as our not supportive. You can't just tell me where I can spend it and I'll spend it Canada is gonna checked out? I wish he was more emotional and are not interested in working to this programme, but he said just tell him what he can light can be. Ben insert in various categories, and even I would tell him, I'm not your mother, be a man go down Walmart on I'll, throw him pick you up a backbone. Ok, no, really!

a little worse seriously. You need a step you need a man up and walk with your wife beside her. Yes, he dies by asking the question it's mine, because one of the Monica Diana was not acknowledge. I call him out you imagine if our waters in and told your mother that I did really care- and you just do whatever you want- you take care of everything and I'm just gonna sit over there in the corner, which can you imagine what your mother would do. She would and joint my butt. that would mean conflict now, really, call him. How now, but welcome to this, isn't this isn't this? A lot of this is a lot of people. Situations that America Everley as its shadows, woman, is has become the one she is the cfo of the household me. She really is the one doing the money doing everything,

regards to money, and so you have to realise women their number one that when your husband is on board, you win faster. So what do you do about? It number to go and I would say, sit down and have a frank conversation as respectful as you would like, or as visible as you would like. Take it that's up to you but to say hey here here through feeling, here's what I'm thinking here are my Where's here are my wise. Why do I went away? Why do I wanna get out a debt in talked him. Have a relief The ship have communications, you guys can get on the same team, and so when doesn't happen. I'd also say bringing a third party. I mean at that point at that point have more marriage issues, the money issues because you're not willing to work together and a marriage. That's marriages! You are living together and your unified and every subject, including money. Monica Rachel right about. One thing you are, you are one hundred percent more capable than he is you have the natural gifting you're the chef over the household? I am not discounting that

all and so you're the one this probably going to implement the plan. Your problem leaving undesigned the plan, but this idea that he gets to sit over in the corner and be spoon FED whatever he he's Tammy hijackings being oh brother, that's just ridiculous! That's absolutely absurd, and so you're gonna you're, probably the one that has the the greater talent in this area and obviously the greater concern for that's not going to change, but he does need to step up and so on I'll walk with you in this dream, I'm gonna could come with you. Let's look together at the bar you do the budget. I look at it with you probably gonna be the one to producers. It cause she's, the CFO of the house, and I don't care of this amount on the CFO. My point, but I got she's gonna end up really frustrated with him, be in a worse like this, and it's gonna damage their relationship because I have coached people any situations after Ladys try to do this for ten years. And she finally is tired of being married or little boy. Yeah does that's all

earlier those a lot of women, possibly listening right. The second are, it is exactly in her situation: don't they are finding themselves Husbands do not want to participate, don't wanna go along with it, not that there was not there I would not just ass if it's the Patty S, passionate passage in the sure. That's just gross seriously in this is and the Wolf suffocation of America and the fit the deal to is that we say life problems usually masquerade themselves as money problems. So there's probably other areas in her. Marriage is assuming that lorries frustrated that he's not whether its kids or whatever the situation is. There's all that's the personal, that's. What's that's the roles that have been placed not just with me and so being able to help him get on board is going to help also the marrow. Exact, because we are not without pre requisite. Do you winning here yet gaming? Absolutely, you are now gonna build pull this off. It was this with the formula that you're using it's not gonna work.

I mean it may work for a while, but eventually gonna blow up for relational reasons and financial reasons. He may get tired of being dictated to at some point you know being told and well my laugh out. Let me do they asked me what growth, and so you know that that that show that get it's gonna blow up. It's not gonna work we ve done it too long. Thirty years doing this, I've watched the church which will involve over and over again. So what he has to do and you have to call him out on this or go she a third party, marriage counselor together. What Rachel saying is exactly right on that the you have got to go in not he doesn't need to become a nerd and he doesn't need to become the one that drives the budget, but he's gotta be in agreement and has asked actively emotionally vote and say I I look at that. I agree that that king. Those steps is going to take us to a dream. I agree on that's a lot different than sit an inch you go and do the stuff? That's fine, no problem with that, but when

sitting back and you're trying to drag him along and he just sketches allowance. Oh my gosh, it's true Joe is whether in Rochester New York, hey Joe? How are you. You have our you better than I deserve. What's up. Joe I'm on baby. Should they decide to I've, been watching you on Youtube for a few months, and I noticed you enter a consistent message the contributing at all. So I regionally. the promotion of my job, and I believe I can afford move out like everything to fulfil, they fear should live at home until I pay for my death. I wanted to know if you agree: how old are you Joe one? Five twenty five from is that you have forty five thousand, and what do you make of it? If I were you I too, like solutions for my company law. Guess we all do ok,

Are you married married kids, nothing or not, I mean I'm saying we ve been arguing that this whole I'm gonna get so so mathematically. Could you save money on rats for a year or two loved your parents use what you pay for right throughout the dead guy. That foster yes, absolutely, but there is something to be said about Being a self sustaining adults and say hey out of my budget, I have rents and I have things I have to pay them taking care of myself and as a level of dignity, their Joe, that I think is really important. So I don't I I'm kind of war. the other I mean I probably would be for you to go and just pay rents, and

start living on your own, but if you're like really aggressive with this- that you want to get a bit off you're making sacrifices are do whatever you have to do and as that intensity fish are working towards the goal. I won't be about about that. All three of my kids, Joe, are, did extremely well, I'm very proud of all three of them, including Ritual Winston, but in and they were all hard workers and they were all responsible with money. When they were under my care in college when they came out of college and they went on their own with their own income, and they must continue to be responsible with money in it and they took on some extra expense. to not live under our roof. To do that in all three of these responsible young adults cases saw them grow up to more notches when they were on their own. Something happens. Can you gotta pay your own light bill and you gotta wash close and pay the rent and

with the landlord and something else happened I would do it move out within the next few months, not mad at anybody remained anybody, but it's not just a math thing it. developmental adult thing. This is. Abraham Felicia

Rachel Cruze Ramsey Personality is my co host today, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five Aaron is in Tacoma Washington. I am doing well how about you better than I deserve. What's up. yeah? I just found you on black Friday and I have Dobbin chew yours and Rachel books than listening like crazy, while thank you buy it yeah. Finishing baby said one on my four walls were required to reverse

However, as an approach in babies, that too, I have a possible funeral and burial in the near future. On my estranged, father has pleased me the executor. I dont know how much be space policy and I know there will be an act of faith. life insurance is paid out, How much does it cost and I would assume that I need to start saving, for that is the war I jump into. Babies have to work, I'm here actually was an hospice in California by my brother's picked him up and brought him back to Washington to call them. Go home in the town that Asia looking interest and tell them. You have two problems,

number one you have in a state that is gonna, be formed, shown he's a hospice and arm there's not much money in the estate, so the sounds awful, but I must say it out loud. Ok, it's what I would do. If our issues the funeral home and go. I need the budget funeral, what's the what's the bottom on it and you're probably going to find five hundred and twenty seven thousand okay, as long as you're, not in some kind of major metro area, and you get hold of some kind of crazy funeral home, but most of them have a budget process. Ok for families that don't have any money that you mean, and you know you can explore all kinds of different options, cremation or whatever it's up to you and under those things just, but you know, gather up the dollar's associated with the three best options and then you can think about the three best options. Ok,

and that that's your first, buying, and then you know what your target is, then the second thing ask them if they will accept an assault. Tumors alliance, his pals involved, but there's no casually estate. Well, they accede an assignment of the life insurance proceeds up to the cost of the funeral, most fear homes do that. An assignment I want you to say: ok, look here, who's, the beneficiary, a state or you, I'm ok,. come taken policy and show them. I am the fishery on this policy and it pays x number dollars will allow more than your own laid for the funeral right. Ok, yeah, and then you go, I'm willing to sign what just call it if the funeral was sixty three hundred dollars or comes making this up, but it in unwilling to assign the first sixty three hundred dollars out of this and have it paid directly from the insurance company or just give you a you know,

Raymond are written agreement that the money as soon as it comes to money will go to you, but they will work with you, but as you can usually collect that money with most insurance companies within six weeks and so they are used to having to do. That is not an unusual off because a lot of families don't have the cash but but do have life insurance shut. Two things one is gather up the information and then too, but the problem is its. a key to talk about its awkward. Even just you and me Talkin about awkward right short, yes, absolutely image it! Your dad he's estranged, that's eighty, you being haven't a fixation, take care of all of it when there is not much relationships. Ikey again and now we're talking about the cost of funerals but it just like I just life. I mean why and so were just doin. What

least expensive way we can take care of his final remains and it in a way that you, twenty years from now are proud. You did it that way. Yeah, I mean I've been call. I found you, I was just a credit card. Doesn't want a plan that I don't do that girl that while they may ask you to do that, but I would just say this option push back on again. used to working with families that have access to the cash, but they gotta. Now the estate somehow that's a fairly normal transaction, because most people don't do good planning and most people don't fucking one, I would assume to that in that part of business as well. There's different levels. There's ways you can price spend a lot oh yeah, I'm so making those choices. I think what is as more

be smart and to have the day in the dignity and respect. Of course, of your dad, like you said, like that advice that, like from twenty years from now, you don't org You know a lot of you. I really strong opinions about their final resting place, and so, if you listening right now and you haven't really plan that any care a lot you can to a funeral home and pre plan. We do not suggest you pre play prepay dont prepay for your funeral, but you can sit down and out. Look how want freakin bent How much a shiver lie. I want the Bentley I'm not Care at this point whether what color the thing else- it's not not black, color for but about six months anyway, so it doesn't matter you know, and so are you you may have different. You know we have wicked sense of humour and run remedies, but but the big I mean you can decide all that for yourself and then you're airs don't have to, because you know you're Rachel

I would like to spend a lot of money to make sure her dad rested beautifully, and you know Daniel would put me lacking by degrees at Geneva. So we ought to go play on this, so that I get what I want out of this. man The imo be in Heaven. So I'm not worry about what, but what by like, I'm not threaten it, but it's it's a such a where discussion and an hour and- and I think to IRAN. Is she to be thinking all this ahead of time this, because, when a passing happen. A strange or not. The grief come up with the right, there's just the human spirit in emotion that goes through when you lose some one and when, as many this trends can be made ahead of time. It's not so we talk about a will. That's what we talk about having a legacy drawers everything's and they like it to two met as much as you can on the technical side for your family as a way to say I love you as well, so

we have always said: don't prepay, but always pre plan and how much detail wanna go to enter on pre planning, actually call your wishes. If you're, if you would be a gas that your children spent twenty thousand dollars on the casket and the vault then go over there. Pick out the four thousand dollar one and tell him that's what you got in Ayatollah or vice versa. asked that they put you in the four thousand and little cheapskate instead I want to be in the twenty years our main Kayser. So another way so, I think we have heard you say this before that and in order for it to have life and hence the reason you need life insurances. If someone is dependent upon your income, but if you dont have money, Is there a reason that life insurance, a small amount, stiffer bury or burial glass, is that that would be a reason to get life insurance Llewellyn? Fellow and again, but that's it involves not abolishing emission rights, totally totally didn't get it, we checking the girl China, not a big expensive item, but the idea of pre planning through

anything that highly emotional, certain you're having your ear? Your will? Life insurance funeral plans all those kinds of anxious, just it's a gift your family folks, for you to do that, and so the you're gone Mama bear legal forms, dot com and even get your wilderness a few minutes, it's very easy to do. If you have a William updated it. You need a will If you go into it like this week than whenever buys around next week, you can tell him if they're in the will or not have a discussion or do a reading of the well worn arrive. If you want to piss off, do it why you're living now? But we say to do that that right yeah, we do know that delegation. I don't surprise you knew about it, but for real talk about the staff we we have a meeting once a year with embassies were caught. The wind Dave dies meeting its like what

something happens to doubt or mom, or both here's, what it is, but as a choice as a groan, adult child. I'm so thankful that you We are talking about it and communicate about it, so it isn't gap. There really ask my money: Python, move meeting unfeeling much better. It's just a flesh wound. This is the direction we shall have a friend or family member, the needs of daily dose of rambling advised in their life. Let them know about the rams. We call the day pod cash, its point of advice about life and money in under ten minutes check out the rams. We call it a day wherever you listen to pocket,

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