Oh boy, I'm translation broadcasting from the dollar car rental studios. It's the Rams word that is non cash is being an awful tragedy taken. The place of the Bmw status symbol of choice, Andy Remsen, your host- can common refugee personality is mighty. Co host today He is the host of the Kin Coleman Show, which is where are you all about your career, all about job

all about how to get them all about how to find work? You love, and so, if you have questions about career and work easier to help we're here to help you in general, so jump in a triple eight eight to five five, two to five: that's triple eight, eight to five five, two to five can all is weathers canal is in Columbus, Ohio. I can all what's up, I do in better than I deserve. How can we know? I had a quick question about felt baking with all her life insurance and whether it's worth it if you a crew, a cash balance and borrow against them. And pay interest yourself or if he should stay away from that and keep using a bank. Absolute scam: It's a whole life policy. It's gonna get her. It's not a term policy as a whole. Life and policy. Quickly whole life life insurance is where you pay twenty times more

for the same amount of insurance and extra ninety five dollars out of the hundred dollars goes into a savings. Account and on that you very long. You finally start to build it up, and then one of the ways there pitching it now is the shelf banking concept, where you use your own money which, by them When you have a checking account, you are using your own money on a wall think that's magic carpet, yet the use that should now I wouldn't use it. I would stay completely away from that. But neither is offering at any other offerings that they have, because it is a really really bad product, and it is a scummy way to sell who live life insurance, which is a scummy product to start with, but no one shall that stuff anymore, except people. No one believes that talks about a positively except people that are in that business

in this whole thing of you can borrow your own money. Why wouldn't want to borrow my identity will make any sense day, but this is the power of marketing, the message here is really look into stuff. I love people can calling and get advice Alice, but dig into stuff and does it make sense and if it doesn't make sense, why doesn't it make sense? But I put some wonderful marketing copy on this shirt from years. I'll give you another one, but you just keep my great and you pay. Pay them interest right to borrow money from your money that you saved up in your size. You moving money from your checking account to put it over there to the two. Not even get a good return ought to get it back. It's it's mine, We should move in a pile rocks on one side of the order, the other back and forth. Back and forth. Back of our man. Here's, the other one whole life, I've insurance you can you can you? Should cash value insurance, gross tax, free. We all know it doesn't that's a lie, but here's how they propose that you do this year.

You over pay for your insurance Bognor twenty times for all of your life, your whole life. That's where it comes from the deck your money you're alive. And finally, you have some money, and you say you ve got fifty thousand dollars in there. If the fifty thousand, is in excess of what you Dan L Take it out that is taxable because there's again right is, but not if you borrow it Oh, you put money into this investment. Now you can borrow your money that put in their back out, pay them interest, but its tax free, no kidding, I'm fucked up when you ve got bank and borrow fifty thousand dollars they dont charge you taxes on it. A debt of horse. It's not taxable. Debt is not taxable yeah, but it's not right.

Act, free growth on investment, logger Roth, I arrive or a one guy, it's not even on the same planet. Same kind of stuff that he's dealing with their and it's this whole idea of. But but the boy I mean, are you talk about? I mean there there are almost scummy is the timeshare people? such gummy there, almost scummy as the payday lenders there right there, are a lot of straight up manipulation. What you just laid out for us is clear, as you could lay out, that's manipulating people line got. We call dave. Ramsay is giving better. Because your whole life, you could get tax free growth. No you care to know. You can borrow your own mommy and pay them cherished and borrowed money is always tax free because its borrow, it's not actual enforcement oh yeah, that's how that works, but but I'm the

and I'm the one who doesn't know what are you talking about according to that industry? Now, if you want people pissed off thats, a good group of people that pissed off at the timeshare four pissed off at me here. The key fleecing people are pushed over me. The payday lenders ate my guts and a whole life people, like God, you were, Have you taken on the return for your people? You you know, I just do much anymore. I'm sure I think of anybody else. Lauer we should, while we're Doin ends in a whirl list of the Scum bipolar Christmas cards. Rob me out. Well, I mean rent on is action, and I have therefore taken on in a couple of our books and a couple of our courses over here really hear from them. Much is on a popular the downside of cash furniture People are not happy. Let me know better. Irish grew and people were that stuff for decades is eight the best by people

it's not hard to figure the product protection plan, people than alike, either now all the extras. Why What makes you the bag, because you try to save people money? Why strong to say people, that's the point, you're hurting the big corporate. Games, and so that's why they come at you, every by didn't already know? Payday lenders were a screw job like like all of American. Those does everybody knows. Timeshare is like the worst thing in it and like nor shot to the day. Ramsay Citadel allowed the timeshare Zeus Gummy my gown. Of course we set out loud. They were scummy long before I back when I had air there were Skynet will when you offer all these free things just for a meeting which, by the way I did

won t you didn't. I did you area and the guy you're cage here, because the package was so nice and they had eaten tiger for in our resolution you get a free pass to the zoo for air, so states had tiger as an evening for days but come in the cage and at the tiger for an hour earlier that deal, I didnt pay attention to. My wife is a great snowing he's like you're gonna have to sit there. Listen like trust me. I won't gotta go donors does a chance I wanted just Mr Stone Wall. Magna do you are the only ones overdone? I know an inch, there and just got worn out. I tried to be rude. I try to get kicked out. Did the The guy credit he made me so for ninety most but I'll. Tell you what I got stuff to Serbia was it was the last time I was. It is not worth it is our first married I you're all, never we're L Room, yes, buyer!

Hotel, Romania, worth it no path. The tiger and the tiger cage securing each year by year come other with twenty six thousand dollar timeshare. This worth that's dollar, yes, you can sell it for a dollar. Only by you can't get out of the. U S, dog baby impediment tigers, don't go. The tiger gave him even in three days. There's nothing to greening is a timeshare soiled. Oh, my god. This is the rooms. Listen. There are some basic things that you should be doing to take care of your family, a roof over their head food to eat a car. To get you for me to be an term life insurance term. Life insurance is an immediate need, no matter where you are in the baby steps, since your family is no greater risk than when you're. In that the only place I send you for this is to Zander Insurance. They shop all the top insurance companies and their committed deserving. You that's why I use them and have recommended them for over twenty years, go to zander dot com or call eight hundred three five, six, forty two

Eighty two: if you're a business owner or leader, listen up. Financial wellness benefits are no longer quote: quote optional for Europe it benefits package our financial illnesses are thing. The real Steamer Ramsay solutions recently put out a report that found that half of all employers say their employees. Your stressed about money, yet only berserk feel responsible for them. Boys financial, well being why don't make sense point bring their money stretched through the front door with them because they come to work with it. Every a turning your business with turn over missed work, launch productivity, delay,

retirement. She gonna fix this team to get out, report on what is happening in the workplace with Financial wellness and learn what they employees are actually facing Financial Walnuts to benefits packaging and will help your business text, Well, almost two thirds three: seven, eight, nine wellness. Three three, seven, eight, Our question that I come from blinds dot com. They have One hundred percent satisfaction guarantee the mangy review, Miss measure you the wrong color, their remake, your blinds for free. You get free apples free shipping and with a new promos. They run every month, yours even more use. Opera oh God, Ramsay to get the best possible deal, Today's question goes from Jennifer and Texas. She writes in I'm forty eight I've been in an industry for twenty years and I'm not passionate about I've done well, but am burned out feel trapped, I'd love to go in and nursing. Crazy to quit my job to go into a career I'll make less than one third of the income? If I stick it

for two to three years we could pay. Our house- and I could just quit completely, but I'm not ready to retire- is the financial and emotional Oro I from nurse. School worth going back to school, or should I stick it out? Well, let us first, rest the fact that you can work full time while inertia school is very, very difficult. Yes, but you can't do it. You could certainly work part time in health care, even where you get some experience and, more importantly, connections for nursing when you get out of school, so when you know the reality that you can still work that you and cash flow your way through nursing, school, here's what you can realise you might be able to pay off the house in two to three years, while Europe Cash following your way through nursing school, and if it's really about love, we'd love to go and nurse. Each of you really love the idea of caring for people in that she profession. You can make real good money, be very, very fulfilled for ten. You know you.

Ten twelve years based on your age. So is it worth that you have to answer that, but I would say it's worth it. If you can cashflow your way through and not going, debt because you ve worked so hard to no point: we're gonna pay off the house so sticking. For two three years in a job. You can't stand. I dont think you need. Do that I would make preparations to part time nursery school or you can go full time. It makes some other sacrifices. I think you go for a completely agree completely agree and is the you know her last question: is the financial and emotional are away from nursing home school worth going back? Go yes without question, your love, your work and you'll make good money. Yes, and you can pay off the house and I don't think stay in the job by great for two to three years, and I love the part time idea. So absolutely so yacht thing is this: you know

but make sure that you love nursing, Not you love the idea of it. And I M not you love the money. You can make that's cool act. So here's how you know that for those of you who will look into this question in a different field or maybe even nursing, how do you do that? So what does. Is she gets Other nurses, this is phone, calls zooms, coffees lodges and by the tons of different types of nursing ye are late delivery, checking people in surgery allotted nursing positions and by talking to you know as many nurses is you can in all these different positions. Here's what happened! I get head knowledge. They tell me what it's like day in day out what it's like to move the deposition, how you advance you, learn everything and then Airbus is your brain processes that information Dave your heart eventually, Ding, Ding, Ding or and that's. Why so important really know what it is, then your heart will confirm,

and now you ready to go, don't just assume you're gonna love, it chosen law, Kentucky. How Joe welcome the refugee issue thanks for taking my call sure, what's up the answer- and I he's, not a! U S citizen, but you do have to refer about eight years, we plan to go back to Europe to move back to Europe for a year to two years. While we do the application process, her permanent residents chain, I'm curious. If you think I should shell my house or night yeah yeah two great to sell out man producer miles. What should I do with that? extra money. I think I would add somewhere between eighty and a hundred thousand dollars? You don't have any doubt we would. We have no doubt which are our finances, are completely separated now

but where were we? neither one of those other than that the mortgage, and her family has a place for us to stay to the time when they are absolutely be living, rent free without work, remotely. Ok, so urine won't change! Let's go when you all night. America about a hundred thousand come self employed to engineering the shoes and marketing and legs around fifty action. One when you get married well does the big question when obtained all that'll pallaby containment, they twenty to occur, I I think I would part where you park it. If you're gonna park it for one year, probably just a money, more

account, you make any money, but you're not gonna, lose any for two years or more. You may want to consider putting part of that innocent mutual funds, something like a an indian fond and s and be five hundred funder, something that I do some of that, but now understand that damn money goes up and down and you could lose two thousand. Or you could make a few thousand doing- that You know you're a loose. Eighty thousand doing that, but you might lose eight. You know or something like that- show that you got up. If you want to play that little bit, you could it's a medium risk way to take a chance on units that are made. Eight dollars, you might make eight thousand dollars, but you're, not gonna. You're gonna get rich on any of this, while just sitting there is yours, parking had until you're married and come back home and so forth. Show Obviously the citizenship thing changes when you're married right here,

The process is delayed due to go there, there's a big waiting list. So let's challenge- family and quite awhile, so that follow Jews and do that Europe. We could do that here, but we cannot stay. Put me in and out of the border lotta process has taken place, I'm really on centrally the new law, as we know down on don't know how it works. Honestly. I completely agree of that. I just know that when you're you marry an american citizen, it changes the process substantially. Answer. I would guess that the sooner the marriage happened, the sooner the citizenship or happen in other words, but I think I would I know about that. Heard that advice and obviously that in their goal. What would I do that situation and because of the medium risk factor, I probably I get the money market but because it made me go, and I know that is gonna sit. There is like a game much at all, but I know it's there were to keep making money keep adding to that's than when we come back yeah, but

there is a bit affirming the money you couldn't make. I guess to me it felt like too risky for me now for the bulk the time I've been on the era. What I just said, Molly Mark right for that reason don't worry about it here and cause by IRAN last decade or so I parked a lot of money short term gain in and Tom or to which been down pulled out, let cause I'm gonna go about Eurostat with it down and I lost a little bit atomic motions on those up, and I made a lot during the time it shut their in show

What are our realising? Was the risk? Wasn't bad heavy that business you may a dozen origin entrenched life, that's a hundred, fifty thousand between them. So if you want to play with it, that's fine, but if it's emotionally on keeping up at night and certainly do some money market, this is the rapidly share in the lobby. Ramsay solutions on, but then restage J C is whether site J C o aria, I'm great everyday matter that deserve welcome good to have you any more? Do you live ending up

Cindy Anna one welcome to Nashville and all the way down here to do that for a scream. That is re, love it. How much will be paid off? I have paid nineteen thousand dollars or wait. Nineteen thousand eight hundred and eighty eight dollars How long did it take? It took fourteen months. Oh and your range of income. During that time I started out at about twenty four thousand and bumped it up a little over thirty six thousand good for you. What do you do for a living Monday, Thursday? I am a general system and then I have been a dog grimmer for the last seven years, so I do that on the weakens us, your smartphone, I recall what kind of debt was the nineteen thousand It was a endless cycle of credit cards and then my stood alone and my car are much withdrew. O stood more in the car,

thirty, five hundred on the stood alone in my car was nine thousand Roca and I paid to my parents, that was a debt to my parents so good to get rid of that. To me I was a big deal area for what happened fourteen months ago lit you are far girl. You got after yeah. Well, I was looking for a growing salon and they had unexpectedly just close the shop. MIKE, so they told us they were done and they were silent bankruptcy and we were out of a job so I was like. Men have a lot of debt. Like start of the year today. I had lost my job and so I just said to that it was time to figure something else out. I didn't really, for anyone else in that light. Grooming, so I started my own thing that will are already working the dental at that time.

Had that job all alarmed, but then I job ended and that woke you up as I am really wasn't, making too much. My other deniston like I can make A bunch of money is grooming, so that was where I really made a lot of my money okra, while good for you congratulations and how'd. You get connected ass, my parents had listened to you guys for a while- and I they'd mentioned some things about you- they ve always said you know- I'm really. Been one to be super responsible of money more with free spirit. So I wanted a kind of to them that I could really sick to southern in and you know get it done good, especially when it came to my finances, so they knew had been an credit that for a long time, and I just come the start of the year. My tax return would come in at all, go to my credit card that so I was done doing my show. What did you do

you start listening to you to watching your time pass on spy via non cash, don't every day to and from work. Every day that real serious about it. I gave you everything you needed to do this. Then Sudan yeah sure you didn't books or even from the paying out of no? But I did and I go into the bookstore and I found one year old or books- the total money make over and I started. Reading now and then I decided to sign up for the F p class and I was like me and a hundred dollars should I spend that, like it could go to my dead, unlike Reims II just do it. So I did of being glass, and it was a lovely worth it It was a little difficult because it was online during covert yeah. So I did the best I could with my three year old running around so but but it was EL fine and worth it I mean I stuck to it good for you, I'm proud of you,

about your mom and dad? Are they sure? Are they really are? They were journey along yeah? It was. There was a big deal for Christmas. Instead of getting a bunch of presence, I saved up two thousand dollars and gave it to him to put towards my car, and that meant a lot to them. They really were not expecting it at all, and so to see them. You know here, I'm talkin about how proud of me they were, and you know just the from my dad and the paddle, my back, and you know that just say it got me fired up to finish pain authorised so that's cool. Now, while you jumped from twenty four thousand the thirty six guessing, here's that some over time, but also a lot of dog room, all dog weakens yeah without the little man of the civil war to the hardest part was being away from him. That much I mean it was Monday through Thursday, full time at the danish job and then

Thursday night in the Sunday I was grooming like every single weekend. What have you gone? He did but right there, my three year old, beautiful now and I have the great accountability apparent partner, which is the doktor I work for Tony every day and he knew how much this meant to me. Every he'd come in and we would be talking weekend how many dogs you have to go on this way, how busy gonna be how much money going to make, and it just was like you gotta sick to it, you know A lot of my time went to that, and now I can say, is worth it now: you're, free how you feel I can breathe That's that's our wheels. I can breathe finally, elderly twenty six or institutional and you ve never been that phrase an adult have now no it was almost like. Having a credit card was Titian. How much did you get approve for you know

credit limits. Four thousand, what's yours that like my twenty one year old mindset, so russian trouble now you have to feel one lady said accomplished amended. This was nineteen dollars in that paid off. You changed. I did. I've changed so much through this whole experience. I mean I really thank you so much for this. I dont know how to say- but it's just it's been so I opening like I can raise him without having to worry. You know all my my go into my dad and not to what I could be doing more for him. You know I've got his saving, fond for his college started I've entirely ongoing thanks to Tony. No more He's really help me out to his mouth ass, Coquetry alone. That is just chauffeur cool. Why

Done well then, Jason and you're young man's name and age or get him in the shot for the debt free scream. His name is Cyprus and three. You up here I put my we do you Jeffrey Scram, she's worked or Thailand off she's a heroic. She changed her alive man's, I'm so proud of you so powerful. Well done good stuff, all right. It's J C and Cyprus from Indianapolis Man night! thousand dollars paid off and fourteen months making twenty four to thirty six. We are looking at some people who have changed their lives. I'm so proud of you, gotta copy, the legacy before you that's the next chapter for you to become wealthy now unbelievably- and you are on your way, I'm so proud of Vienna copy the total many make over. So you can give it away to somebody awesome, so I will give you one of each r J C and Cyprus counting down. Let's era, debt free scream, three two one,

oh man, Nineteen thousand dollar when you're, making twenty four to thirty six get on with it. That's that's more than some dark column an airplane. Over a hundred ninety grand I mean that's incredible, watch pulled off. There was apt, Thirdly, incredible here and she is complemented and the difference in white honour after that, the actual math, though freedom and are math. Now is just amazing she's, really really good shape, and you can see what you can't see in the radio. You can hear hints of it in her voice. Would you guess she's on her face here? Her countenance and see the sense of our she's a young lawyer,

another single mom behind April and yet she said enough and she did it- let's get weather Nineteen thousand fourteen months with a heavy heart after eyeballs, for its part, the lads exactly as it is a great place to go when you broke to work on this,

is the Rams, Asia

power structure that is Corinthians in aid and God is able to bless you abundantly so that all things at all times. Having all that you need, you will abound in every good work, Winston Churchill said the pessimists sees difficulty in every opportunity. The optimum sees opportunity in every difficulty. My fight goes score. Is zero cycle score its determinable? That's what they call. It sounds kind of evil, but

I'm under terminal, show how wonderful but I've. How do I make it pay for things and if I don't pay for them, I don't buy them nano. That's weird But it's it's! It's freeing concept keeps you oughta that you could teach her children to be cower cultural. In a sure that has lost its mind and we just drop it is up to eighty percent on our best selling kids products, so you can have fun and educational summer, the adventure package my favorite. That includes the new story: time collection, financial, peace, Junior, the smart, safer bank. And more to make learning about money actually find. The best part is, you can add an extra kid for each sibling or if you got teen the teen entrepreneur toolbox by, Anthony O Neill? Is the perfect, safe and flexible way for them to create their own summer? Job teach kids

the right way to handle money while their young that way they we live in their bait. Your basement, when there are thirty save up to percent off by shopping, the kids and teens sale online, at Ramsay solutions. Dotcom slice store, Ramsay Solutions, Dotcom, slash store Tina, is whether in Phoenix High Tina welcome to the Ramsay. Shout I can hear your doing great coming up. Yes, so I The can last week- and I wanted to thank you again for your advice also what would you do so we're not getting a recommendation on my part, and your advice was too wide and the potential employers in box with backward, whose Beckett's pick up my character and but in the long weekend I get back the day after a couple of days ago the bike beak with me, and it is wrong.

Waking goes through tomorrow, I'm gonna meet with birth. The teacher in that way. You then I will have a job, and they said they were very understanding of sometimes relationship if don't match, and but there won't give me a chance. I remember this so today I want to tell Dave web. So a teenage girl references from previous teaching positions but headed personality conflict with the principle at the school. She just loves: you worry that because they wanted to hire this new school wanted a higher, but that one leader wouldn't give her recommendation, and so I told her well, they have a lot of other relationships in the school system that can vouch for how great you are and that this was kind of a an outline circumstances. So she went and did it and looks like she's gonna get that opportunities are good for you, teen away, not quit. You did that you're, the one that went out there and believe that you had a reputation war. Sharing and does that's really awesome very call? May not you. I think you guys

the advice. I really appreciate it, one that banks it worked value various. Do you? Dare you around and fought for fight for things? Folks now, but you know what you told her she could and exactly what to do and she just execute she went in there and you know that Financial we want to do and the government don't do that survey like through often, then they call us two years later, nor should permanently, but then than other times that that's that's why we come down here. People like her exactly right, you say, do this and you start winning and she goes does that and then she turned that's pretty cool. It's one got the job. At the job can common job technique there go. I love it absolutely fabulous Amy, isn't Sacramento. I mean welcomed the Rams Asia rising so much for having me on sure. What's up, I thought I started a bit,

last year, while I was laid off and then I got called back to work right as I was about to start looking for clients, I'm really eager to quit, at least by April of twenty twenty two and focus on my business for time. It's a book. Listen! I don't mention that We already have six months worth of an emergency fund saved up, why, among on having an additional twelve thousand dollars by next April this year, my husband- has a job the where he gets Glade off. Quite often he's in the labour unions we would only be able to laugh about five and a half months are not extra twelve carried. If my husband works to get laid ah otherwise colombian orphanage load off for five and a half. Much I mean he was like in the last two, He was laid off once bursting man

ah other than that I would beg usually like maybe three, month on average vanished. Socks begin early yeah you got it. Does that fuller waiting till I get this journeymen card, because then you can quit and can take that anywhere. He court for the fifty something like body or any further long game, unfortunately show how long before this german car so I think it'll be probably another alike. For years, while the following me around for their own powers. You now, though, every time you get laid off, he doesn't get hours by anyways, though, if you get laid off and he could laugh onto found that extra twelve thousand and about five and a half months otherwise. You haven't begins the six month. Emergency find it have together job again. Ah, what do you

about I'm crazy for running the quiet? When I went, what does your assuming your business makes? Nothing I mean I don't you. Don't wanna estimate that Ireland is your business, not identity, Maloney area, Right now, I have to monthly clients and setting aside unlike clean up, worked at one time oh Jack, I'm only learning like three hundred a month, obviously going over you gotta glorify hobby, The reason why I want to create angle for time is because I'm spill like learning those left, and I want to focus my attention: a hundred for no wrong where you gonna, let you got it doing these side side job. Like this. Let's get it two nine hundred a month and then, let's get to fifteen hundred a month, let's see how many hours we can actually. To really really hustle and grow.

Your credibility based on your experience, but you don't go all in exporting hundred dollars a month. Yet you get experience there builded up. Ok, so why I work should take a part time jobs, but that's all I'm John here, Parttime Travers learning the sad about so much rain. Growing this side! Hustle, that's correct! Now this listen! You cannot defy giving up here. Career and give everything and walking into samplers three hundred freakin dollars a month, you have got to prove this. Right now. I know it's right now. Also prove me wrong. I'm going like some day. You do whatever you want to get out, but I'm telling you that dumb don't do that ok What's incrementally, let's get us go from

who clients two three or four clothes or let's, let's drop the to clients, replace them with with more work from clients. That'll give you more work. We want to get your bilbil was bookkeeper. This is all about your bilbil time. What you have is a theory right now: it's nice to move it from theory to business here. A business or something that makes money ongoing. That is subject central that you can live on you grow a business and as the This gets up close to what you're making now, then you quit your full time, but you will proven you're a bill, to make money doing this. You have to do that and you ve got this dream in your head. If you just go full time, it's all good work out. Honey has not worked. I figured I run- is dead on business. Yet you have Figured out. I make money with an you. Gotta go make some money, that's the whole goal there everybody's willing to do what it takes very

if you're willing to wait as long as it takes, and that's where you are the tension for you are now you'll want to wait, because you really love this bookkeeping and you get this day job you wanna, get rid of here's problem, you're, not ready, yet jobs going to fund the dream. Job go, build the Cyprus building at the door

about closer to the dark. Dont be jumping in the water, thanking you to aid and about about way out there today, you need to get closer to EU, can land in the boat. When you John, please, please do that puts us our the rams has shown the books will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's the walk daily with the prince of pigs, Rice, Jesus, it's Kelly, says you produce Ramsay SAM is designed as ever, and if you heard about it meant product or service didn't have a chance to write it down. Don't worry. We lost everything you ve heard about during this episode. It has shown that section Ramsay Santa eggs for this dialogue year in a row 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 Christians buyers, 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 carpal 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 creative hear more from the Rams network, including Christie Righteous wherever you listened, applaud catch, hey it's James,

Do of the Rams issue. This episode.