What is more, I am sure you should be broad ghastly. Allegorical studio judge the Rams Asia were damaged, arm gauges, gang and paid all who has taken the place of the Bmw status. George Camel Ramsay personality is Michael Ocean. Today, open phones, triplets, eight to five five, two to five: that's AAA eight to five five, two to five mats, where those Indianapolis Matt welcome the Ramsay show. Thank you

firstly. Do we really appreciate it thanking? What's up the question I had a twenty four year career, the previous player. Arab countries, Spain, certain budgetary pigeon plan there there. I was given to you what life ability might be worse, five sixty two and sixty five in Alike We worry Birdie waited Schreider, converted that what it be a lump sum payments calculator, was not given to me at all. Ok got the possibility of a monthly payments for life. Yes, you can the possibility of a lump sum at fifty five. did they give you a lump sum today? No o o

I have the numbers for what the will of a well. They, well crumbling I would have to call these company. That actually knows the money, which is like one America and whether they were taught me or not. I don't know why. I guess what my question is: is it an option to take a lunch: today, not today, It is very sober, distractedly, supplanting, ok, some thirty five is the soonest. Yes, sir. Ok, here's what you don't want it, you know what take it at fifty five but our back in and help you with. The answer to your question is well what you're looking for this kind of cash flow analysis or a net present value of the money. Ok, and so

when you back that out- and you run the calculations with a financial calculator you're, going to find this unusually paying in the five to seven percent range. That's what you're gonna find ok and so were you to take the lump sum at fifty five and roll it into an IRA would know taxes involved as pre tax. I say right the pantry prepared. Yes, it is you'll get taxed on it. If you pulled it out when I open, I will do away with it when I read that was recently taxes on it, when you do that. If you rolled it into a good growth series of good Graustark mutual foundered, make ten to twelve percent and you're gonna find that produces much more income than the annuity would produce now. The annuity for life is probably calculated out with dying. Seventy eight years old, maybe eighty depending on which actuarial tables are using, how they run the numbers out, And so, but he hears the

the hook to the whole thing that that deal breaker way You die with the pension, regardless of which option you take your estate will go, precisely zero, yes when you die with having role this over to an Irae one. percent of money will be in your estate. Yeah, that's the railway doubling when a girl, so that not only are you beatings, twelve or ten percent over seven percent, but you're all beating zero over at death, zero, so you're better off alive, but are of dead to take it back. it's ok to run the calculation out and a smart vesture broke and help you do that and Sudan, Russia is a little too cumbersome to do on a radio, but I can't do it. I ve taken an intra EU of other drawer over do it for you, but but it's up its, areas of numbers and knew tat. You need to sit down and talk about farmers do it and you can figure out then what the act more interest, radios they're, paying based on the different numbers. It you're, giving you a formula to put the

stream in and you can make an assumption of eighty or assumption of seventy eight and there's a formula. But in a lump sum manners of pop formation there's another number at sixty five. When you those three numbers in there all gonna call out five to seven percent. Probably six may have something like that. What you're nervous? because pensions are regulated very strictly and they really are not going to ever produce much more than that. For that reason, it's interesting just doing the math on that and hey, if I took this out into the irate, let it grow, it could do a whole lot better than taken those payments or waiting any longer. Well, I knew you'd better and take them was within our half, you can't take him a fifty five, but but the pension this war, the regions that almost all mainstream companies have done away with pensions are almost all gone area, very much for a one cat, neither each do fine pensions and unions and huge companies, and certainly in government, fine, I'm everywhere in those situations, but true coming most traditional

corporations and America. They don't have a bench anymore, because just now good deal at its cumbersome, which credit manager from her employer standpoint its descent, it's really hard, but the but but show Big thing is just when you die, you get nothing advertisement You get something here. You're areas get out alone is good reason to tag. It should invest citizen his boss. Again, you taught me a hundred thousand bucks, but two thousand bucks, two thousand bucks whatever it is it just evaporates in our so that that pretty much destroys the math even the numbers were reversed. If you made seven moving it. What I got twelve leaving it. You still got a thing Zero at death in stock after the number, so in our Europe still gotta do the critical thinking on it. But it's ok to do the math and science like he wants to see doubtless Mart Mr Prodi can pull out a cat financial calculator in just a few minutes.

back into those numbers. I could do it, but there are used to do that on the air and dragged me nuts. As I get to eighty two hundred one number on trying to talk- and I heard it is just an workshop- I showed you really folks, if you have a pension lump sum option, take it to an IRA in good graustark, neutral, What is more, Mr Pro, because you die- doesn't evaporate, thou that your generally now may be some weird exception somewhere. So it's always good. Think about, I was going to learn about it. In general that some fairly simple reasoning that get you to that answer. Ryanair weathers in Johnson City Tennessee! I Ryan. What's up. George, it's going to take you out your to sir. I'm gonna, hear seriously question quite my story. They wonder School. When I was seventeen years old and our work on my hand in our last a beer. here too. I am today, but it twice

Thank you, Sir London, a heavy do some mechanic ever since our rights alone, Finally, the end: Major companies- and My father in law has approach will take over his construction business now, I'm not I also own know currently only by taking away so houses. On colonel, onto others all always done. The cash no borrowed money and others About really hard, it was born on market account decision in our work I guess you could say a very, very good question. I'm bump the commercial breaker sort of

like a little money, so we can stay on air and I will come back here and be sure to answer your question a little more thoroughly and I wonder at ten seconds shop hang around back with you. This is the ram shop, you ve got a lot on your played a job, your house. I'm your marriage and your growing family. While you enjoying the present, you can't help but think about your future and your finances as you explore your options. Consider christian healthcare ministries or c h, M for your health care. They're generous maternity programme and budget friendly monthly programmes have been a blessing to members welcoming children into their families. Visit C h, ministries, DOT, Org, slash budget to see if its right for you, Christian care ministries is our anti trusted provider,

George, Camel Ramsay personality is my most today we're talking Ryan and jauntily Tennessee started out of seventeen years old is additional mechanic. Nigh runs the shop doing really well fallen. Log by the way, don't fixes and flips on some houses follow comes along and says he owns a construction company and Ryan. We want you to come over here and run it, and that's about how far we got in the discussion. Is that a first summary what you told me so far, Sir Knight attacked it: ok, cool So what is the watch? What you voting on it camera, Cannibal Dunes and the blasphemy does today you know start You know, there's this evil can do in the next five or six years easily lead to pass it on

only you know retirees a large piece, walk this business for plus years blast. Emma Jane year seizures, he got older and his age and has not been as engaged as they used to be, but I mean it does I'm working in a really high and household. It's not you know, regular mom and pop tat powerful. So it's safe its specific work and its highly innovative had a man for the type of work that he does unheeded. is he those Ngos, basically still don't worry, has be Borg and the desert He goes to the jobs. I hope he has multiple pay for your pay crew and can a carpenter curve, but there too specific I like doing us running rallying together, don't yashmak there don't high and stuff, it's not slap on there, but he's not showing you the hammer paintbrush aimed more at ease.

those jobs Spargo he walks on sale. He might go jobs. I beheld gas. If I knew how could he he's not required to be there, like? You know like three years ago, building a business in this. My key note, actual at the business, get a little smaller than it used to be. He used to have about sixty or seventy employees, analyses Asia round Tony's, but, like I said last time, ten years he had really want the work. I shall we, the problem on the business I don't know it's. I hate we haven't sat down on tat those numbers, but basically he can it can replace as you know, as far as one unlike in here today, I'm putting into long term. You have to get your and come up. Yes, want to know what areas only replace my income, where you might now

might we, how hard I'll be a war between eighty five and ninety you know I'm I'm still early form ancyra in a hostile russia, but I do know framework programme. I argued in LA managed to dismantle hauled off how hard, how much work that's dead, As for my current job, that don't count my account me that I'm not lowered by himself houses. I think I might like between for me and my last year I made like one thirty five is sheer somethin, one of them, one of the terms of you taking over the business. Basically, he wants me to get in and learn this high and trade I will be with an owner. From day one. Basically.

so. You know he's always just they would go work, the jobs that and he would get to pay for the piper been over what he would say that, like at all, he paints open arrest, the money that all the other partners work and that he would make on top of what he may on the outside. He would dispute in the business countenance he would pay himself. Quarterly or once a year, just a balanced or something I am I'm in here He's got a very hard at work. Well, We may involve some he's done closing anyway, I'm gonna give you this business at the end of the story, the story of the bay he moved Menachem Ngos may get outta. This there's nothing. Now you running at funding is different than I am giving it to you, which isn't it if you didn't give it to me at the end of the day, but he does wardsmen along the target I underline run. A knowledge are largely outside of the end of the story. So you're too, five, when you're thirty. There shall be yours, yes, but yes, ok! Now

when your fifty. What do you want? We don't want your life, they shall mechanic, are running high in trade homeward. surf nights you know, that's not the answer I York for yourself do anything. the history degradation mechanic for yourself and run a shop or yourself are you going hi and trade for yourself or you won't be doing every morning when you get up Monday morning, you gonna work of a smile on your face, like I did this morning,. It so happened. Donors worry ears are still like it At the end of the day I die if I could be doing either one of these jobs and be happy at the end of the day, I'm bullcrap I am I both now. Listen you. You are good with your hands and you are such a. Wreaking hard worker that you are. You are a cunt

with anything that is hard work that you can make a living, and I want you to browse up above that and get into your head not just your hands and go what's gonna make me, smile when this is big. And you don't have to answer me, but you got answer you before you may Decision, I think you I go to work for him in the hand that take this over, but I to be really sure that you're not just doing it just cause. It's there. But you'll be miserable, don't be miserable and look And go I'll. Have my father in law dream Ryan's dream ass were after and it's ok to do that. I made my kids are involved in this business. There take it over there gonna measurable, we weren't gone to a very detailed just make sure it's gods call on their life. For them to be here or don't be here goes, things, worse and family business when some don't want to be there,

a day what data, I won't do anything emotional, measurable him down come home and you know me I'm a family and in due time on one of my family, so in some latin their range, your what you gave your doing. Those real estate deal just for money. You enjoy that project based get stuff Don T something and transform it and put it back on the market like looking better than it did and make some money on it. You enjoy that, don't you absolutely during our English you're, a guy who face, I think so I you're gonna end up doing this, but I want you to get down inside your heart, talk with your wife and The other thing is with your father in law: don't assume squad business but I'll be written down here. Sir. That's that's all Won't I decided to leave you. It is as yet on this date. If I am competent and I have learned the trade, you will turn it over to me. Yes, it needs to be in writing. Okay, so hang on

I've Kelly pick up. Can coalmines book from pay check. The purpose will be helpful to you, but more like hell. You give him this career assessment, though we ve got now, and it is, Brian adjust magical I'll. Take you about fifteen minutes to take it and you, insights into yourself. You can go over it with your answers with your spouse. You and your wife look at where you going over with your father ourselves like he's a great guy and just talk, it's her and go Does this the answer. to this assessment led me do you yeah? That's it! very interesting situation where he can do anything, you need hardworking guy. But what does he loved because that's what I'm looking at you could take over the business and our right. This is fun, but when you have in which he does right now. I don't want him to feel obligated to step into family business and then step into a nightmare down the road vertically and its on both of these jobs direct vein, the same stuff and shot at him, that makes him therefore, the fancies of victories graphics stuff, so that the and that's all perfect

they just what wonderingly say on that. But I don't push pass that and this this new book, that is, it is really incredible to get really clear. More leisure gander, stout stage, one of his seven stages to get to move from Patrick Reg. our assessment that you're talking about that purpose, statement that it gives you a so it gives you such clarity, and you gave up on a run it through this filter. Nope betrays I'm gonna, do it yet. I need to be addressed. Ghana gonna need to be realistic. and You do move through the process. I talked about this with kids Group Dylan. I only did that live stream for his book. You do move the process I just having a job to make a living You can read it the lights on move to career and then

best of the best is when you get to move from reared a calling when you move any calling. That's where the joy is further, so deep were in your work and you are both a tragic emotional, that's bad. This is the rams you share,

George Orwell's personality, as my colleagues today all, but that stage in the lobby of Ramsay Solutions, James and Emily, are weathers. Hi guys. How are you alone are welcome, What more do you guys live can a saw Georgia just north of Atlanta also welcome to Nashville good to have you can it Lana that free screamer today very good? How much doubt of you guys paid off just over fifty thousand awesome, and how long did it take you, seventeen

what's good for you and your range of income during that time, sixty thousand seventy four thousand very cool. Good for you? What you guys do for a living So I am now Emma stay at home. On this we had a baby. During that time a hand. I work part time at a time and centre to help substance abuse lines are growing. That was your career before it was you. I was full time man. I just can't took a step back to the chair of our baby, absolutely girl, nor by your dreams. What other arena, long care, business and the genocide awesome very cool. What kind of debt was your fifty thousand I stood around with my student loans. My car was a good that and then a credit card to

oh Mamma, you equipment and free business, because if you there's pictures of that too by the sea on their shown up here on you to include people, I was better when, as that for access that somehow pick up, you got there mumble beginnings, that's the beginnings of all for us right now, but I got a real truck now, pull it with a hard. Our court before good alert. Well done, like it that's cool, and so our debt free do marries Emily? Why and how will we album married, several years August: twenty twenty. We get me out so before even got married. You started on this idea of getting out of that and then completed it after marriage and then a baby he. Busy here was initiator over the whole situation can emerge with. How did that go down? Tell us story, so I had pose tour

early and uses two dozen nineteen and has come over that time. Where I I didn't really have a planner goals with money at in how I go just you know, flying through the wind with everything and in our cross your stuff from our friends and have like a straightforward direct like followed, instructions, things was was Seeber easy for me to get behind an hour. got so in a we discussed it go. This is kind of a and to do for our life and how we want to live our life and to grow and prosper and then so is the girl and then we found out we were pregnant with Lily, not long we got married and so that kind of made things right. And made things sort of like a kind of gave. The time I was really. I personally was sort of pushy whether they are really want to try to get some for. She comes. We can so that we can come home and not have to worry about that so by we did we ass soon, ass. She was born in home, safe and healthy.

As well as me. We paid off by Molly Chauvelin you're, drunk too, and that is exactly what you're both today and during that time, though, we were able to cash flow. Our wedding pay for an ACL surgery for one of our dogs and to pay cash for her birth of the hour. This longer business with gauge the holder yeah. He was doing and I worked three jobs up until I gave birth. you guys have been after it for seventeen months. So what was the hardest sacrifice along the way you guys had to make I don't know, sacrifice rosville, I really like eating out of doors. Part was probably when we came to the groups within a we did The peace as com, premarital thing. We we went through there, worse online. At times it was covered, but

We when it went out when I had to personally accept that our bank accounts we only join now is very difficult to do, and I wanted to do with my money anymore. It was like I had a and a bill. then accountability partner and it was kind of does the most difficult part to me. I think how so long journey you guys how to combine finances and you're gonna. I don't know how much I like this, but now you see the benefits of it when you get on the same page, Lily area also feel now to be free. I mean that for peace, the perfect way to describe it. It's like it's kind of I feel normal, like this is kind of hard to describe like I felt way down before and stressed out a lot and sort of unnaturally highs her person as it is, and so too not have to worry about that. Is just he ain't here really is just like a sigh of relief like it's like this parts taken care of. You know like we're. Ok, and we have a go in a plan now We have a direction that were gone and financially and I got really

want to do that, for our daughter and for our family honour, our kids, kids you guys are heroes yourself on the changed everything for her. I mean she's she's got a great future because of you too, because of that You ve taken control of your life. Congratulations are so proud of you take, yeah it's, it was tough, I'm a spender, I would say, and it was difficult but I think having him with super important but at times I wanted to be weak. He was strong and at times he to be weak like I was strong and I was like this is why we are doing at like. We need to remember that, and I took a ton astute alone, not knowing what I was gonna do and now my never gonna do that man, man, wilder now. That's that's the family tree that changed right there. It's not a fifty thousand. That's what I In both your hearts and your marriage and everything else during that time and that's worth five or ten million

That's, what all result in a young. As regards our older, you too. I'm. Twenty seven now be thirty five December Malka Jericho Good, for you guys have a future bright, baby, wagers, bright, very, very, very well done and what babies name, Lillian Lilium outrage visiting after the side. I understand she has the same. She might think she's a little camera hurry it. Ok, that's girl! No trouble! No troubles are good. I'll get well done. You guys, who were your biggest cheerleaders outside the two of you I'll say are for we're gonna cheeriness, all along the way, a lot of them They didn't necessarily friends and family returns on along the way they didn't necessarily by into what we're doing, because it's not a normal thing. and he has sided, but they that yours on now,

like everyone here on your weird, but I love you get free like you guys are doing good, that's good! I like it. When you never know some of them might come along now that you're having a sense of peace, that they don't have yeah yeah. So So what would you guys say to decouple out there is about to combine the finances are getting married. They got a pile of debt and there a little bit anxious about all this stuff. I would say I mean You said it really well George, when you said that, like a kind of it gets us on the same page has otherwise, even if we both have the same goal but aren't combined, and what we're doing is this still off a little? it's like not you're, not really there. You not working hand in hand on the same path. You're gonna walk into separate pass in a similar direction, and it's like just so much stronger as I did. car drive down the hallway, rather wandering like so much better for me trust like that extra leap to trusting him, because I told him showed up. I was I

kind of want a separate savings account. Just in case I mean what, if I'm and his exact, where you're setting us out for failure and for divorce and who is fine words who does party rob that was before being married, so we still got married pain. He was. He was right, like I don't need an escape route because her in this together, like grip, together in our hearts, tat of all beautifully sad strong, I don't need an escape route, has ruined it together. That's that rather tweet a ball. Take it back back when people that were real we're on Twitter. Oh my gosh way to go gas so proud of you gotta. b of the legacy journey for you. That is the next chapter in your story for sure. That's what going next and on the baby steps millionaires before you know it, and I can

wait to hear from you one that party or story occurs as well, really well done copy a total money make over for you to give away for one of those doubt our friends and maybe a bring them along on the journey, our at its James and Emily and Lillian from Marietta Georgia. Fifty thousand, paid off and seventeen months, making sixty to seventy four were counted down: let's zero dead. how can one too as you know, ladies and gentlemen, this is the Rams Asia,

hours of sure that James one twelve less it is the want of perseveres under trial, because having stood the test, that person will receive the crown of life that the Lord has promised to those who love it Joe Vitality said goal, should scare you a little and excite you a lot it's the truth, so let me ask you a question think of a millionaire kind of job? Do you picture them having. From Ghana high powered executive positions. Ceo Vp, Here's the thing: only fifteen percent of a mill millionaires actually have jobs like them,

The reality is the top five careers for millionaires and America are engineer, accountant, teacher manager and Ernie and this just one of the surprising things our team found when we conducted larger study of millionaires ever done ten thousand millionaires about who they are and how they achieved that goal. Our study also me clear that to become a millionaire, you ve got to invest wisely and a big part of it is getting good, investing advice, the vast majority millionaires, use and investment the visor to teach them. I make their own decisions are recommends trustworthy vetted. Investing prose from all over the country, we call them smart vesture prose to get in touch with a smile, Mr Prodi, in your area, go to Ramsay solutions. Dotcom, sly, smart! after the start. Building Today, that's Ramsay solutions, dotcom, slash, smart rest, her! George gavel is Michael host today,

is where those in Sacramento high Alex welcome the Rams you show. Infer, I'm sure, are coming on. I have a question about cancer insurance, I'm so I know you don't like a man cancer insurance, but I was wondering if that's the prize situation, I have a genetic mutations where the chances of getting breast cancer increase to about thirty percent, and I schedule appointment to meet with my insurance company and I'm I'm about to cancel it, but I want to make sure that I'm doing the right thing. So what is your can't? What kind of cancer insurance do you have it can't you surely others do my work based on basically by get like some kind of servers but related to count

I'm like a mammogram yeah, ok, don't let off check like a good job. By doing that, and then, if I get cancer tat again damage of what I would have got him, our working programme, covers your income. If you're off from work due to answer. I have seen how they can't your diagnosis. Deanna, understand them, but mammograms are free with almost every eye healthy, plan out there now right yeah, I guess so so really, this is basically disability. Insurance in the event of cancer only do have long disability insurance, yes, that you signed up now. I do Do you have an emergency fund, only without the thousand time they respect to how much

your cancer insurance cost about? thirty bucks a month ago, and what does it pay if you get cancer. Finally, one of your income right here for how many much. all I'm not sure I got to know, Because you know how long before it starts to after a cancer diagnosis, Six months after six days after that's important right show you something. If you have three to six months of expenses, I would draw even in your situation, it's a gimmick is always an ulcer attack insurance adjust, show cancer insurance as many people died, Agatha. Do cancer, but cancer, so scary, and it's such a thing you. Ve ever had a loved one, and most of us have that have had cancer than I just. I just devastate you emotionally, and so it's you're so susceptible of that. So I would keep it for now, but I would not

keep it long term, because it is really not a good product, but for right now, now, thirty bucks a month is covering you cause. You only got a thousand dollars, but what you, three to six months are expensive, set aside and long term. Disability insurance implies you ve got no need for it you talk about this in financial peace University in that insurance lesson there. So different types out their writers, you can add, A lot of mergers, gimmicks and recovered through your normal insurance are covered through long term. Disability, see really gotta. Look at the fine print, nobody to figure out what you actually need an Alex. I don't want you to do just exactly that. Georgia's right, because you don't know what you're getting for your thirty bucks and here's a rule and insurance if it Cash. Much there's a reason fact. It is only thirty bucks, three or sixty dollars a year as a reason, because it doesn't cover my

so either as an elimination, buried, meaning starts light or it's a short pay out than pay off for very long, and they know that on average, covering a young woman of your age, that's where you are so. I believe it in place for today, but I want to learn what it actually covers and the than I do want for emergency fund in place. The fully funded one and then drop it at that point. Because you in particular are worried about this because of the genetic situation for most people just drop it period. it really doesn't cover much when you get down into it. Just doesn't there's not much benefit for the cost, us what it comes down to show good question. Thank you for joining us Realizing Clarksville high Eli welcomed the ram she shall bear you. How can we help. so I'm sorry, Emmy Army are now in place they get out June. in June. Eighteen,

this coming year, I have about sixty days of leave me or I do get out in the army are still pay. You At that time, but not sure exactly what what'd you, when I get out hundred even argued and I'll just hoping that you could like hell we like early tat along like a window. I really have to figure out what I need to do Eli. How old are you Toy too, and I turned twenty three February awesome, while thank you so much your service and sacrifice, first of all to you so, when it comes to what you want to do you this. This is all you, ve known, is being in the military right, Sir

what you gotta do is figure out what to do for the rest of my life as a twenty two twenty three year old and we ve been talking about. You- know, cans book from paycheck. The purpose- and I want to give you that book and I would also give you that get clear assessment. That's gonna help walk through what are you really wired to do because a lot of you could do like you're saying I've got a lot of options is or anything like that. Comes to mind when you think hey man, if I could get out do anything here, is what I would love to do with my life. With my work, I mean I'm a really big fan of like helping other people. Out and, like you, Finally go you're gonna get supervisor type position like finally Peter, I thought I thought about opening. Better still light I'm tired! I write it learn a whole lot more about that. Before I would The move anywhere in that direction agreed agreed with a he got time, and I think that your first step I, like your first step, is found something move into and begin to fund

your way toward something that gives you joy or you can serve folks. You can get some sense of soul, so George is exactly right, will send you the get clear assessment. Take that it's our to you to say thanks for your service and will send you a copy of guns book from paycheck, two purposes. Read every bit of that and look at every bit of that dig into it and then dig into KEN Collins website, because you what you are you're on a journey, a process here of self discovery. That's very healthy and good people do at twenty two? They do it at thirty two and they don't sometimes and sixty two and that's all ok, so dusky your finding out what you, Chapter looks like the Good NEWS, is. Even if you pick something you don't have to do that through your life. You can just take a stab at something and give it a run and am in all, but Do it with some analysis and with some wisdom and will give you some tools to help you do that.

You'll be on your way a man and you're going to do it now. Don't wait till to start right now, really working hard on where you want to get our George Wilder times. Thank it. Jameson Kelly and both we appreciate you. This is the Ramsay show we'll 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 warp daily. With the prince of Peace Prize Jesus have a friend or family member, the needs of daily dose of Ramsay advised and their life. Let them know about the Ramsay call other day podcast, it's a piece of advice about life and money in under ten minutes check out the Ramsay call. Today, wherever you listen

you're in a rather and living life just going through the motions, build confidence in yourself and learn to trust, the God who created you check out the Christie Right show were Christie, inspires you to 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'll have life just going through the motions, doing dishes, 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 created steer more from the Rams network, including Christie Righteous. Ever you listened applaud, catch, hey it's James! user of the Rams issue, this episode is over.