From the headquarters of Ramsay Solution broadcasting to honour our understood, he owes its other Ramsay show where matters down cash is gaining in pay it almost mortgage has taken the place of the Bmw status, symbol of joy, Christie, right, Ramsay, personality collusion of the day. You call him we'll talk about your life in your money, open phones, AAA eight to five five, the two to five. That's cripple, eight eight to five five two to five Jerry is in Phoenix High, Jerry. Welcome of that, I am sure they do.

You think you're taking my call precept that sure. What's up so my wife and I have been listening while on the label, of all about that the house We have But for years best we can tell, but four years before the House door, we got a long over. I on the agenda, it's a little found its turner. Sixty thousand in there we have twenty five. cash. You know get knowledge of the house. My coat, is this wise or the negatives. I guess I've taken Some of that you Sidney putting it into a walk I only want What should I do with that is settled deal shortly. Blaanor started

floods and funded a walk outside of that might do sixty. Secondly, has for years I would find everything from this point forward in her off our area and fifty to fifty two. Ok, yeah if you converted to grow tax free from this point forward and you pay the taxes without using some of the money to do that. Some of the money and the IRA to pay the taxes knowledge we pay. The taxes that it creates outside of their sites can be about sixty five thousand dollars at some point. thousand or something like that. Then that has the same mathematical effect of having invested that much more because now that Fifty is gonna grow one hundred percent tax free from fifty two on and it's gonna make me article sense provided you plan to leave it alone, you probably will leave it alone up into your sixties and even your seventy shows what it sounds like the vast majority of it you won't take out, you might take some men come off of it, but if you're, ok,

the whole thing in at age. Fifty, I'm half it might not work, but you shouldn't do that you shouldn't planning, but do that show now you know what I would ask the house paid off and then I would converted with extra cash that you have after the house, just pay but I wouldn't converted now you don't- need a sixty about down our tax bill. I don't pay off your house. Ok, guy you're, the guy. Ok, ok, very good! I pray I need your help. Sir. Thank you. We appreciate your calling in open funds a triple eight, eight to five five, two to five Caleb version: Daytona Beach, Florida Caleb. How are you Are you better than I deserve? Watch up aid so I was wondering laundering tenders into my boy, three be their employer and they match between five percent and the gift six percent, that ninety five percent donor boy,

the question? Is? I can afford more zero there right now. Just get a car get for you guys, Eisen Almeria pointed Ok, what do you make this under fifty mocha awesome good for you well Don Caleb, good job, Well, what we recommend is that you you're dead, free, accept your omen or that free, even without a home and you're. Putting fifteen percent of your household income away in Europe You are not putting that away. You're only putting ten percent a wifi would up that another five percent, a new problem. Could just do a simple Roth Irae yourself to an individual irae. That's a Roth in some good mutual funds get in touch with one of our small investor prose they would thoroughly enjoy working with a twenty two year old review there that's a great joy for them, because they know that they're gonna turn you into a millionaire cause. You got so much time in front of you and you're. So smart, you ve done such a good job.

and so I will. I will probably do another five percent of your income into thing and national quite fill up an IRA. But even if you wanted to completely Philip the IRA, you could appear. You got from room right now and do a irae in good mutual funds. Good growth stock mutual funds grow, the growth in income, aggression, growth in international law, the four categories that we recommend. Go man, morality. There is anything that he's asking those questions at twenty two are not credible, caverns and Buffalo New Yorker Cavern Welcome today rooms, you show those you to my car amputees ideas. Oh, I beg seventy five thousand thousand here, yeah she cars at by all. I have no data software which I just said: the poor child, silent elfish wars, but myself Try to I'm I'm away for big brother?

liver locked away. Really so my advice, I want my advice to you what you ever been fires the setting up of health insurance or by Chow it baby. I tried by Charles. She gets older, no more good. Dad thinking on your feet, man good for you well done well done yet The number one cause of bankruptcy in America is not too much dad some number to cause number one call does not have and health insurance. and so I immediately if this way give our you would get health insurance on you and your family. it's not a rip off and you can watch the way to make it cheap cabin is the big deductible and the big deductible is, you know, you might do watch called an h. Esa health savings account plan. A lot of those have a five or a seven thousand dollar deductible, which means

health insurance only kicks and on big stuff, it doesn't kickin on little stuff little stuff euro hard work or your work your way through the little stuff at five thousand our time. Two thousand are thing: you work your way through that, but it's the five hundred thousand dollar quadruple bypass with an answer you visit by you. They could break your family and so the one you want cover. That's why I've health insurance, and so that's what I have. I have a large deductible, I'm sixty large deduct health insurance plan, pays a hundred percent of everything after I had that. A doctor bonnets and h s a plan and you can check with go to an insurance brokering check him out on our website. You wanna broker that somebody, though shop among a bunch of different companies and get the best deal for you in, hello, New York in your situation and explain all of that to you but yeah. You need to get health insurance in place immediately for you and the kids, and then you can applause. Let's find if you want to start that before it.

That, though, I would make sure you're out of that, you have your emergency fund in place and make sure you're investing for your retirement, because the one that best way complaints. Your kids would not be a burden to a lighter. Why do you think that some people all are scared of. insurance like they fill it gets a rip off. Everybody, I think all of us secretly, all ensure full for sir. It's not for me. It's not even a secret just what we just hated it. Just we pay? We pay, we pay, we pay, we pay, and you know you never gonna, see never gonna work I'll bet, you're buying. Peace of mind of that big event that take you out,

That's the west, which are covering the generally we just hated, and a guy like that is off the grid. Really. This is the rams. Asia no, it's easy to put off taking care of something like life insurance. But now more than ever you have a responsibility to your family. Get it done terms, for AIDS recently dropped and its act easier to get coverage now with many companies offering to skip the medical exams. If you don't have life insurance or not enough, you need to step up.

care of this and let the team at Zander Insurance help gotta zander dot com or call eight hundred three five. Six. Forty to eighty two here, I Ramsay personality borne by selling others. My proposed today on the air is Weathers Ryan's in Sacramento. I Ryan welcome the ship they could be a date for sound, listen, he's ready? Sir? Have you what's going on So am I think I kind of already know that the answer to this I kind of want to know the tiny on this, so a little bit about me and twenty five I didn't have any at all. I love that life having no, that amendment friends. She brought along with her a eleven thousand dollars, stood alone that, on top

how to get a new car. So for her we are expecting a baby, so I want to get something safe so that got about fifty thousand. A total of about twenty six thousand. Do that now on that I want to pay off the student loans to thy keen Scottish! Like I don't know, I stopped I'm confused It says on my screen, my wife student loans, just your girlfriend or your wife. She's my girlfriend, but the reality is rather age, yes or no answer. Yeah you're either here the married or you aren't you We are doing now What are you getting on my way you're getting married? She wants. School fer. You fly financially reason why, on. national reasons. Ok, I have a baby, a car alone in a student loan, and you can't pay any of it cause you're, not married Dewar. I pay this

Aren't they the coroloni, though I know you shouldn't you. Yes, I guess, but I mean Heard you know just for the sake of look. I remember me dry only try to help again, you shut your howled quantified, I have a son there's twenty eight, If he sat down, man said that what we do in this situation, here's what I would tell him. You have a baby You are playing house, your ass like your married and you are taking. Tons of legal and relational risk that you don't need to take, by not being married. You are up a creek, financially and legal

if things go sideways here, let me help you with us whose name is the car in both the wars? Ok, something happened to your wife. You now own. A car with her mother You're not married, you have no right to the other half of the car you're in a partnership league Speaking to understand the guy, Every dollar you guys try to save everything you try to act like you're playing house doesn't work legally, does not Work, relational. and you ve set yourself up into a mass. Now you can do what ever you under young man made All this show an ash gosh. Ok, so what I will tell you. Actually all FARC here representing the offer contention is if, Look up in your shoes. I would get married tomorrow, and then we can ask the question how We get out of this debt mass

my wife is an of eleven thousand hours for the stone loan and a car we bought that we can't afford now what make a year I'm a life insurance agents varies from? Are you might hear about upwards? hundred thousand two hundred thousand actual. What does she make? She's fulltime student, who are students What a shame, how about twenty five so, with a hundred twenty thousand hours a year, I think you guys can figure out a way pay for her school. If you lose any rights, to have for her acting like poor p, when she's not in order to get poor people. we for college, ok, student aid, she's not do for student age lives. One hundred and twenty five thousand dollar household income. I and so long ass good a month ago- gave well good luck. Had at Albany here you gotta years worth of income or don't you I mean, I ask you what you made so list,

You do whatever you want! Oh sure, that's what you're gonna do. And you should be able to do that. You're grown person, that's fine, but if If you are my son, my own son, sitting, coffee with me. That's why would tell you because here's what we know we know there is a marital left to your career people who are married have better incomes than people who are married. People her married have much better incomes and those that are checked up and not married. There's that statistic data sets out their dude. It's all over the place called the marriage left. Look it up, ok, data, live longer? idea why the die. I don't know! Why do you want with people that are by water or those of us that are married, live longer added up it out? That will say: there's a direct correlation between strong social connections and longevity. An opposite is also true people that don't have strong social connections. I imagine marriage being a piece of that decision. Now.

There's environmental health for your overall psychological health. There is a direct correlation in all of this for her to get from it. Aid ever, he's when their migrant wave, our household income. So what. Would tell you this. I get married this weekend. you don't you ordered this will if I woke up in your shoes, no one. I know I'm from the old fart contingent, an unprecedented club, and so you know, if what would I do if I woke up, today knowing what in your shoes, nor what I know now having live life and not all budget crap wrong. I get tomorrow, and then I would get about them me and my wife and my baby, toy. Furthermore, income completing her degree paying off too stupid loans as soon as possible and moving only your life. You have a good life you're trying to the system for, and you don't get to treat the system, the system, meaning how life works. You dont you it's not an option You know things that I see. People do a lot of times even have definite been guilty of this before us. I think

The things are heard in his question to maybe I'm just give him too much of the benefit. The dobryna things I heard in his question. Is it sometimes I feel like went sit when the situation changes when the variables change still hold our feet to the fire of this. Was our original plan? Will the whole planet change? We need to adapt to the new plant. So in your examples like while she was to getting this financial aid and so I will now. This is different. We have a baby we're in a relationship we want to get married as well. That changes this changes your plans, it changes your actions that you take Then people don't some people like well. I was planning on your excellency and in this happen and I'm still trying to accelerate like no the plant changes when the situation changed when the variables change, you need to reassess what you're doing it. If that still right- and I think that's What you're saying here because word a new situation. The financial aid does not have a variable here to consider when you're talkin about the other, were important variables at play- well when you- if even if it is you shutters financial- I don't want you by now- you showed what what Happen if we didn't get the financial aid, but we had all each other benefits the other better.

financially mathematic layer, what I'm saying, yes, data re alike are gonna outweigh what you get it's just not worth it. It's not and so and by the way you ve already made all these decisions. You have a baby, you're sure, dub. I mean you're already play in house like the decisions, are gonna change and you're, just missing out on August Beneficial resigning out on, and I can't advise you to pay off, didn't alone. because if something happens it doesn't, you and your child. If something happens to her and and by the way I've been doing this thirty years. Something happens sometimes. And it's not always beautiful, the volume of their story, or at least the next. Appears not always beautiful and wonderful Goodness sakes, you wanna be doing the stuff in the right order and take care of business man, you do what you can do that

always your option, but you cannot expect ever. To get anything except our best love. We call here- and that's us loving you enough to tell you what we think and I give you the most prosperity and have the best life, and so sometimes people, linkage, love Europe and your favorite kind Dave Christie right I call host today here on their anti personnel in number one selling author for business to take and creator of the business we take a cab to me this is the Ramsay Shell

if IRAN Ramsay personality borne by showing others might hold a debate here on the name issue open functions, we talk about your life in your money, formulate a two five five, two to five that's aaa

two five. Five too who five Tommy is whether certain Tommy's Charlotte North Carolina high Tommy, Welcome Lucia. didn't primakov my question is around eighty strategies, so my full time position is as a new acts, product design Does any websites that sort of thing reduce freelance for Croatia fleets in Poland start ups building out, primarily their e commerce, brands and websites, and try to do so. Politically, I use to different models the sort of years, but it costs here's your design and off, and that sort of thing we should not run into. That is if the website goes on to do a million three million five million you paid me five or ten grand for the site tonight. The choir, which is awesome, but maybe I saw myself short and then

then foot sided, like typically will take less apparent to the website, then stay on for six months. Twelve month, Retainer Mackinac, sir? Even a percentage of sales or profit the risk there is, if I don't know Somebody goes Rome for whatever reason, I'm stuck with all this work being done. Ends Five per cent of zero profit. So- different strategy, but I should consider Mixed model account town that you guys know in the past, that minimizing my risk, but also as fair for all parties involved. You know I've got a question Tommy. First of all, both of the scenarios that you talked about, there's a risk on either side and that's just business. there's gonna, be a risk even mean I made you can try to structure a deal structure contract. You know where there is. There is very little risk, but there's going if, if you're doing it, once out of the other there's a chance if you're a flat fee

that you're gonna miss out on commissioner in our cut and then there's the chance of you. You know that. That's how commission works, that's just a risk of it. One of the things I'm curious. What, though, in your industry, specifically how contracts typically set up like what what it wouldn't in in terms of the competition. What is standard for freely that does what you do, regardless of client is a thousand are normally set up. I don't know, there's a standardized nation for that. So they all know is the rates of Latvia. Your and our values is a contracting party taking it someone else's business is highly unusual, yet, and I'm wrong, why that is good and it would just be a profit upon the ongoing site. If you don't have that much money approach to invest a smaller tourist

per one night I grow with the business business becomes more problem also either a rapture of their percentage of of those profits. As these can, I understand, there's nothing immoral about it. It just assumes that you were the reason that is the sales happened character. see that I mean. If I must say I was doing a total money make overbook in the book. Just was hot It's gonna, sell my main garbage and believe that the? U S, the? U S, experience that the user experience on the website help set sail, but it's gonna sell and so your Europe accentuating the process, either ways. Ok with me, it's just you got decide really what you, looking at. Is the product or service that your marketing with your skills, do believe in and enough to take a piece of it, and that puts you a big plan, otherwise I'll take a flat vague as our these gather make it. I don't know

probably that I don't think anybody needs fraud pickles on Broadway not undo. Also you to look at the product: go, let's DOM, I'm taking a flat for my services and get not dodge right. I gotta question coming: who manages the e commerce once you get it set up? They do I do believe me so down in the products inventory management I'll do the month to month, analytics reporting as well as tweaking based on customer journey, a sort of what I'm saying as usual interact with the website, it immersion rights, all that sort of that. So to me sport is a larger picture, play a partnership. So here's what I would do you understand this out there I would do about and that help people in all types of businesses, if they have a product label based business, to add services to diversify and grow, they ve serviceable business to add products, so they can diversify and grow. It doesn't always makes its rubber business, but in your case you

The initial contracts set up of here's your flat fee for you to set the whole thing up. You gotta guarantee then, regardless of if they sell, would you say jarred pickles front because, regardless of whether their business does well, not your covering your basis, of your work as your work has been done and you fulfilled that promised the other. per tree, though, is like- and I think you mentioned this is too on additional services or packages as a consultant or as an economist manager for a period of time months a year on retainer on going then you're continually able to increase your income creek continue the relationship. The client show how valuable you're too that client, but at the same, covered your basis for the initial works. I think I think you can. You can Still integrate products and services into what you're doing it could be the way to lower the risk and still get the reward is to Turkey. plan B. Where you take a commission, take a smaller commission are smaller,

vintage, but in a higher our lives, which is a hybrid. What you're not going about between the two plans, when place. I can think of that. I've seen that fairly normal is retail piece of work stay where there's a retail shop going in and a mall as an example. The least terms are substantial least payment plus a gross sales kicker the girl sales are the landlord gets The books are audited on their clothing, store in the clothing store. Europe as a percentage of gross sales on top of regular rent to be in the small yeah answer. That's kind of what you're talking about is a hybrid between the two. Yes, I one of the things I would say, Tommy from a marketing slash customer relations, perspective, client relations, who you're dealing with here. If you are doing Things if you are providing value through this relationship through your? U ex knowledge and experience that you are making that you're, not just setting up a store, you're, making

very easy, effortless beautiful experience for the people purchasing on this e commerce site. I would make sure that you can. metrics and you re We check in with your clients, hey Weena. The conversion was this, and now it's this or the sales, where this analysis and you're able to actually two dates. Point its gotta be attributed to you, but if you can show something you directly move the needle on, that's gonna be good for the relationship and good for justifying the what you're charging them, so the answer is, I don't think we have a really good third option. The only I deal that we ve come up with a kind of a harboured between the two and explore that which you probably honestly, it already thought. No for any help or not Tommy surf, and to talk about a separate and set out a great discussion is a very interesting world. Urine show you ve done a great job. The carving out a niche for yourself open follows a triple eight, eight to five five, two to five. When you get re, sell a house that may difference between a house of sales

sits on the market is real estate agent. Ross. Agent knows what the flutter doing is worth their weight in gold and with four there's, not that many em is truly the eighty twenty principle. Eighty other people do twenty percent the business twenty percent of people do Eighty per cent of business every take them we presented an eighty percent and did it again, you'd find it again. Twenty percent of eighty percent of temperature, that twenty percent, meaning or percent, are eighty percent of that business. Their answer. There's just up in air. business, that's true! In the real estate It is very true and you got to know the value of a good roasted agency. You don't hire some guy, that's friend of your mother's got his likeness three weeks ago to show your largest asset and you get I mean a monkey king, it arose day. Licence show its

and I put aside the ardent right, I mean that there is not much to this business when it's just too. her the business, but you If you're gonna sell two hundred five thousand seven thousand our assets, you oughta have some ice professional doing it. This too got a proven track record and did it more than three times last year. Maybe they thirty or forty fifty houses, medicinal two hundred houses. these are the types labour we endorse.

The high and wants to get it done. Protein high octane, don't settle for a sub porridge and uttered a Ramsay dot com, sledge agent click on our eel p programme for real estate agents. Fine, who we endorse locally in your area, from revive you without this is the Ramsay shut.

where's your eye. Ramsay personality. Pursuing other is my college. Today, your browser open fines for polite take two five. Five to two: that's AAA eight to five five, two to five Jason is weather stations and tap of Florida aviation. How can we help? Things were taken, my girl sure, what's up so I'm retired had been retired for about a year now, four years old are entirely Jerry View Marine Corps, tomorrow will be a police officer for seven years. I was injured about two years ago and now I can pick up anymore dealer certainly that had died no really

per se on the deck that I can t. of my issues? I dont wondered I don't Forgetting something that is going to set me up, my fault, I'm debating re now. Should I go the work, I don't know if I should they retired and go back to work. So I'm forty or do you think I've got pointed out my had a million different ways. I have children's collars taken care of. Putting more money away, then I'm spending I think I need to, but I'm getting a job offers. You only need to financially crack down and job offers it or what. he's getting job offers. I programme boy element in community around money like puts the finishing football league in a meeting born. I will carry you should you should come more forever so that in so doing something in my face Alla Time Gay,

I don't need a lot of money only from a meeting about my pension. Now that I'm putting money always said, I am reminded, still you my home is paid for. I don't. I don't think I need to work financially. I'm convinced of that to you, ok, the nature of your injuries, I had a year I told my labor was brief about the dead, remove it carry on a gear round of the carbon tomorrow. staring up. I got it is no wonder. At the moment I got into a big fight cream this guy injured and after after the arrest, now understand that while well. Thank you for service by the. Why? Yes, thank you! what we found around here is like giving for twenty years ago maybe more! I more twenty years ago, I was at a point where I didn't have to working more financially

over the last twenty twenty five years or so I've done what I want to do, because I want to do it. financially. The only reason I do it is to increase generosity. And on and on but it's not like I'm needed money, but the woman, I think I'm just. I was your age when I was having this discussion and myself oddly enough, because I'm turning Sixty there sure so, twenty years ago, and your forty right and so on in just there's a dignity and of much to doing something that you care about and you are a person of service you in the military you served in the community is a policeman and you know secure me. You know how firearms

there's a lot of ways. You could serve at a very high level that doesn't off kickin down doors around stairs I've got a good friend of mine. That was, using the seals and then he was police force after that team, and today he's the director of security for a huge company that I will name because everybody would know who he is nothing else and the The already does that in many does, training in this region have run into him because were hand gonna he has, since I've done, training wear them. Technical training with him show forth. But but he just in case like yours, a service. I think you're gonna be unhappy if you're not serving or you think regime No it's interesting, because even as he's talking, I'm just noticing, you know one of the questions I think we ask ourselves through our entire life is: what do I need to do next? and Jason you're at a spot where you need to do anything

and sir you're so used to making decisions like we all are, and what do I need to do for this goal or this financial galler? Whatever that thing is you don't need to doing things? We have to ask yourself an even harder question which what do you want to do? sometimes that's a very difficult question to answer. Sometimes all the options can be paralyzing, but it's also a moment of opportunity. Jason, where you dont have Anything breathing down your neck? You dont have any thing yet to hold her The fire you're, probably going to find some you want to do like you said, you're doing because you want to, but without that pressure on your shoulders, you ve got up garden, minimise counter clock. Forty hours away work eighty hours away. Now you can do whatever you wanted to yeah. I tell our team around here. If there's over something I quit having fun doing all for a little while longer while someone else picks it, but I'm done don't having desire. I'm not gonna, do a bunch of crap that on a low do I don't need to our arrogance. It's just. I don't need to October so, but I do get

I continue to show because it's fun The idea of serving into neighbouring region say it again in my dream of well, I've got a man with my friends. Whenever we talk about financial Diana talking teaching them how to actually arrogantly. I didn't want idea of they all want to be mad, but there's still a tenth eighteen years away. Just one of those who trade round number have anybody nearby, sudden watch your show in researching bad stuff, go go bar you dated someone. I dont have a goal because I've had a more for the most part you're here. You're young man shall gulfs and show you in a different country and I'm worried about going back to work because mostly been in service jobs. So now- I can't do that anymore. I'm The expertise entail new stuff, but you have the Edward hastening of their expertise in

military and in law enforcement you can use your brain and your teacher scales in that area easily. you're gonna go, do something you're not gonna sit on your button, go fishing for forty for years. you're forty years old, and I got fish for forty years and you re you're, not gonna, go bowling for forty years. God shoot me Russia! Whatever the thing you write a golf, wherever it is you're not you're, not gonna do that there is not there. happiness and dignity in serving and I'll find a way to do that and find a way to monetize it because a good way to keep score. If what you're doing it, active or not. I like the competition and the market bland there's the dignity that comes to TAT, with the pay check with the new income that you get from Jason. I would encourage you to not not only the past experience and expertise you have from what you have done, and law enforcement in the mail military, but even that thing you

sad and you said it kind of like you're joking, like her, you have my dream job. No, what what? What are you saying with that nervous laughter is there's something where you want to help people with their finances, are due coaching or do consulting or help people get to where you are there, so many options for you of what you can do now, but our lean- and I tell people all the time, especially to business, pretty lean into the things that make you light up. If there's something why'd. You up right now, even if it's different from what you have been doing lenient, dont shy away from it you ve got you got an opportunity to do those that is that tough question? What do you want? What do you want to do is a phantom basket, but in terms of drew out the work Oh you don't need my work financially. Emotionally, spiritually! You do need work, it's good for you. and others times that I'm doing something, because I'm just review, I just don't, want loose the illusion and work out a maniac just to win even though the money I just can't stand loose, I can't stand the launch a book.

Why are you guys with your personalities and had not been borne drop me not answer, I'm all over them down there with the all finite and looking to have the details and getting out of here. Looking little live. Events are going through, all is covered crap and it really wasn't about. The company was gonna beef in financial trouble or something here about ten minutes there. We worried about that when every by his word about everything, but the thing was it just now? Ok, how can I get to this? Not Luke? How can we standard. This different the way we reacted to this from an leadership standpoint can we do that? I and other nurses stirs up there's some like that I urge you up. And there's a lot of different ways that can manifest itself, for you did so you're going to do something but choose it and then don't win. Does this

is actually what you ve done twice now: good boy Christie, very good that puts this hour of the Ramsay show in the books, a friend or a family member. The needs a daily those rambling advised in their life. Let them know about the Ramsay call other day podcast, it's a quick of advice about life and money in under ten minutes check out. The Ramsay call today feel like you're in a rut and living life, just going through the motions, build confidence in your cell and learn to trust the God who created you check out the Christie Ride, show where Christie inspires. You break through your limitations and create the life your proud to live, pale and Christine right. You know it so easy to feel stuck. You live life just going through the motions 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 competence in yourself and the guy that creating dear more from the Rams network, including look Christie righteous wherever you listened, applaud catch. Hates

aims, producer of the Dave Ramsay Show