What is more, I M, showing you should write gasping our car rental studios debts that day re amnesia, word battery cages and pay more tragic, taking the place of William W status symbol on diagrams your host. Thanks for joining us, open phones, Tripoli, eight to five five, two to five: that's Tripoli, to five five, two. Five Anthony only Ramsay personality, number, that's something author is arranged personalities, microloans today here on the air. Again, your car,

you're welcome and let's start off this out, We will in Memphis High well, what's up Dave and Anthony, and your taken like all? How can we help, though I am currently in funding Each university and my teacher Trish Havre, call me to bring this question to you, I'm instead to my wife is an automaton school. We have about eighty six thousand and then so when she did it, Not necessarily worried about being able to pay it off. The question is a current in contributing to six percent match on for three days. My job in my question basically, should I take stock contributing to that end, but that towards the debt or since I'm young, I have such a big price match percentage. Dr keep contribute The fat you young is the reason why I want you to stop contributing to it, because the quicker you can get out of debt in a way more might not weigh more, but the more money can invest down the road safety.

You're going ahead in this attack, all of you there are now so don't stop. I just wanted a pause. Washer you put what she was on annual income a year. Sixty thousand six thousand hours with eighty seven thousand thousand dead when she graduate in about a year and a half on coordinating six figures pretty quickly up good, I suspect that's true, b plus or minus covered, but yeah such that's, probably true. It was true in the old world absolute and so that news: I'm gonna get you got plenty of time and you guys must be fairly early in financial peace University because we cover in there that baby steps one through three. You stop all in there thing and you take all monies that are not currently in a retirement account and you apply them to whatever step your own baby steps one through three. So cause. You got a lotta stood alone most to clean up and it is a mess and dont sweep it Don't act like all: it's ok, because she's gonna make a lot of money. She might any money yet which action

make some money. We can talk about that, but I think she will. I think, she's got bad prospects or something like that, but I sure hope, no little thing hiccups in your perfect plan, because you need that six figures clean this mess up as soon as you possibly can and that your first go is by reached up one's a thousand dollars. To finish off. Being out of that, three is have a fully funded emergency fund and we don't do any investing of any kind or going on vacation or going out to eat or splurge in its beans and rise ration, and you clean up your freakin mess and the faster you clean up. Your freakin mass, the faster you're gonna bill build wealth, yes, shortest distance to wealth. we took a right out of my mouth. I get excited when I talk to young people about their, especially in his age bracket like hey, but couldn't you can get out a dead in a quickie

to building true wealth aid, I had that fake, rich, look all over you, and so I really really love them now and then I'll ever I'm hearing one thousand dollars on our social media time. You said in some other social media facebook group sure whatever that there's always these discussions about people undergoing vague Sherman baby step to like I guess I need to get in there intrusion by coming. Nobody no longer me about your all my plan, but when you're on vacation in baby step to make you cry right, I mean nothing. that's not baby step by step to his I'm in debt and debt socks, and I will do we're going to get out as fast as I possibly can. If you want to work here employers, that's fine, but I'll call you who parity my plan right right right, that our plan is git, your butt out of bed Our plan is gazelle intensity. While your aunt babes have won through three yeah, that's it I mean about all I give you don't know what that means is like this

I'll running from the cheetah trying to freaking stay alive. Yes, he's not like well! I think I've earned a vacation. No, you didn't your broken. I bet you do anything when, There are some day they earned the right to keep working right, I'm not going back there. I know they can. Is not in baby step to help you with that, and I dont want and tell me how tired you are or shut up their right before you die I'm overwork you pass out, don't worry about it! It's ok, you're gonna make it. We call the way ambulance. I they nation, I'm not vacation, was man trying to raise two kids keep the free the lights off. You know the case Asian was didn't work. Eighty hours that week, that was vacation in also funny, is today about the people who are in debt. Take they take more vacations than I do, and I'm out today that's true polite way, ass true way, other turn you know their heads nurturing and I have to have my time for me. My me time.

Gimme, a break you snowflake seriously. Unbelievable did kill us here on our clear. You know you wasn't here's what we ve learned with individuals who took furniture, peace, University Institute, the successful ones did what the unsuccess once we're not willing to do, they are women. May. The sacrifices are eaten rice and beans. Beans and rise sell everything it whatever they can within their means to get out a debt. They were willing to The things that people who complain about our programme are not willing to do that. The thing with me, as I'm, a band aid after an fast ripped off our own prolong the paint right. What is the shortest distance between where I am and what success looks like an how much power

is involved in that distance. Gas can endure that I live like no one else, so that later I can live and give like. No one else now will is not he's not got the spirit of the people were talking about, and he just asking a clarifying questionable. Maybe steps work, but that got me started on these people in the face, but groups are going and they can t be worse. Unbelievable, not going on vacation. My mom is paying for you all. I pay for everything you need. You ought not to be at home working and get this mescal when you bought stuff, you couldn't afford money, you don't have to impress but you don't really like you gotta stop this stuff and it's like you live like no one. pay approach to win and later there's plenty of winning the there's plenty of enjoyment. Yes, I mean you can vacationing. Were you wanna go ongoing, we're gonna go in a world that has just said assuming the stupid places open right now open, but that

that crap Posada mean in terms of being able to afford it because we pay a price. Yes here we did anyone born on third base. work. My way around the basis Dago Dave didn't hit, but one born on their base. I had a triple. It was just a scrap: Dark under your fingernails, you get to manufacture, bought all absolutely minimal. most use, while not warm about, Oh now be real yeah yeah, but you you know you have been a hundred percent true to what we teach your personal life before you even came. He absolutely absolutely work hard. I've been living his vision for by the last eleven years, when my dad gave it a day. Ramsay budget for I was on a new mission, has been its put Europe,

anything you want to do financially, though, before your love- and I love you know, and that's what I want. I want for you, but don't be thanking you can just serve anti certain time. My children, having seen me and like six hours I'll, go work. This is the direction around here were always looking for ways to save money. That's why I'm a huge fan of honey honey is a free online shopping tool that automatically finds the best promo code and applies them to your card. You never have to open a tab to search for a discount again. Unease found it's over.

Eighteen million members over two billion dollars in savings, add honey on your browser today for free at joint honey, dot com, Slash Ramsay! Anthony Audio Ramsay personality is my colleagues here only here today. I am Abraham share your hope this is the day. Ramsay show Anthony as honest

but a student loans pay off calculator, don't live with their student loans for twenty years users calculator. Shall you get paid up fast, gotta, Anthony O Neill, DOT, com, slash resources and are also, if you wanna text. I owe this text a Oda. Thirty, three, seven, eight nine! You can join the family. He'll drop you some encouragement in your inbox. Push will be the first to get exclusive Conner, and the latest news and free resources with stuff put Anthony's putting out folks. Do you remember life before you actually got on a plan being afraid at night about money hiding money problems from their spouse purchases from your spouse? Thankfully, that's now all in the past, for you, but there's millions of people out there who are like you used to be, and I used to be in their searching for help if you ve ever taken financial beach University or if you ve been impacted by what we teach them leave.

A financial patient first class and help someone else get on the plan that the coordinators are everyday normal folks who have helped millions of people are not budget get out, a debt become wealthy give generously, and we know that a lot of people are not meeting in person and were offering tons of virtual f p classes completely online makes it very easy for the coordinator by the way, and with every coordinator God, you have everything you need lead with confidence become an F p coordinator, help your friends and family. When text the word led: F, P, you two thirty, three, seven, eight, nine! That's led! F P! You all one word to three: three: seven, eight nine! You ve coordinated a bunch of clashes over the years. I have Dave in Iceland, China Corner some in a future. Here too, with some of our try people, I'm lookin.

where to go. It's gonna be fine, is coming river near they get you as a coordinator. They may almost like me, except nicer, ah well named another there saying I'm coming unbecoming, Livermore meaner to Siberia may allow me too much. I, like your style, open phones, trouble eight eight to five five, two to five, that's triple eight, eight to five! five two to five tell me is whether stony is in San Antonio. I told me: how can we help thank you very much day, her pretty shit all night and following your advice for many years? Consequently, we're very secure enough true iron, sixty years old, I am still work in fifty years.

And I have about about one point: four billion in my area for your wife, who was my wife, is a school teacher, so she's fifty six. She still got some years ago. She got her own. I hurried, but my question is a key figures. All of course I have access my irish, but my wife, the infinity God forbid. Something happened to me tomorrow. When does she have access to buy? I re was chief, my beneficiary ride at fifty six. When did she have access to it immediately, but with taxes on it? If its a traditional I arrived just like, you would have taxes armed if you pulled it out sure sure so, special and heritage spousal inherited. I re is available immediately. There's no ten percent penalty on that for early was rather than have to wait to. Nobody will have taxes. Everybody has tax struck me

a rabbi array, there's no taxes, but if it's I'm, assuming that causes large, has essentially been handed over many years, probably traditional in its traditional yeah so used to that taxes. On that one point: four: whenever you pull it out or she pulls it out, not the differences is that she has a lot if she inherit says she's required to pull it all out within about ten years. In the light of your not so she's going to end up, you pulling it out, even if you turn around reinvested, she's gonna activate the taxation on it, got you, but none at all, be in the first year can be made there's a few years, but it's either five or ten years that just change the law back in January, and I can probably thumb through this huge stack stuff. I've got here if I can try to figure out what it was, but it's it's something along those lines and so you're gonna get you're gonna get hit with something she is if she gets it out

widely. Why are you looking for that day? Tony, I have a question for you to younger people. Listening to you, I'm always teaching young people to invest in two irae, especially wrought area as soon as possible. When did you start investing into an IRA soon, a varied became professional my tool as twenty seven years ago, when I graduated college tat, got my professional job in right then, and there I met my I right or left out must always take ever touched it whilst giving getting a given in getting twenty seven years. One point: four million you didn't any of this money. You just built it up building No, I inherited a wooden shovel. When I graduated high wooden shove off, a billion orator. So this idea that everybody inherits all their money is wrong. So I did find the cheek she laying here on the desk

is ten years it's called the drain ten rule and If she, if you were to die today, she's gonna pull out one tenth of it every year and be taxed on it, even if she turned run and put it back into an investment for ten years. Four hundred forty thousand a year right now. Ok, so, basically, if she pulled it out, putting into a rock and can't you got your maximum contributions and as a whole, are less than a hundred forty. Graham now it's not a roll over roll over is not available they want our stinkin tax money, of course, and so on. At this thing up to where you know you ve got a man you ve got him a mandatory, withdraw beginning at seven and a half the required minimum distributions. You know that our M de Roo will probably that whole on smaller than a ten year drain, but if she, when she and heritage you'll have a ten year drawing on regardless of her age. She could be at sixty six bottle on as though you did

right, you're millionaires. Your problem multi may got. There's one account as one point four she's gone, you guys why the cow touched on this matter. occurs in Seattle. Monica. How are you. I'm gonna. How are you better than I deserve? How can I help Currently, a baby tat number two only have ten thousand left in diet, which I should be done paying by December, Recently moved can at all from California, but I left my home there and they currently do had rented out. but now I am just wondering whether or not it would be a better idea just to sell the home and holding to the money and job, but I'm not planning on, in Seattle for a whole lot longer, I would say maybe max two to three years and then move back California Pneumonia Matter. I should like to make two percent

the term some you'd move back into that house was almost zero road. Think you're gonna go back to that house when you go to telephone, I mean I'd like the area. In my whole life Montgomery Bear, I dont mind keeping the house if you we have been two years and you think I'm moving back. That's probably ok I was not a long term plan. I wouldn't have little the term game, Blanda Billet longest landlord. I may get rid of it. I ve learned we back now, we'll warn you having moved out my residents were, my children were and turn it into a rental property. It always gonna hurt your feelings. When you go back, because it's now a rental property and it's got a different vibe and a indifferent. of care, no matter how great the rent areas and how good a job they do. It still not their house and they still get over the way you do when you live there. So you're, probably gonna, remodel this

before you move back in yeah yeah plans to do that. To you, if I kept it yeah, if you keep it, that's what you would probably looking ass an emotional thing. I just never moved back again, but just walking back through I'm like well. That's why you Bobby version acts like those Blue Daniels Room, you're, always look what they did, that you know there's a little person inside of all of us. The candidates are low feelings workers over things, not the way it always was, and that's gonna happen to you when you come back to this, but we don't do long distance, landlord enough I would say we know there is possibility gonna, be there loading two years I was going to say if only roasted Gandhi, there's a mass exodus from their stay right now that we have not yet been able to. you're late, there's, no real good data on it other than the truth. guess, all leaving, there's no one going in, and

it's scary. What might happen to the economy there if the governor keeps up doing what he's doing this is the Dave Ramsey Show at Tecovas? We believe rate pair of cowboy boots, won't just make you look taller they'll, give you that confidence boost that'll, make you feel taller too at takeovers traditional cowboy boots for men and women that look great and feel great, so you can walk into a big meeting or on the town with comfort and confidence and because we sell directly to you would know middle man to mark things up, you're going to get great Quality at a great value find your parent to cover

Dot, com, Slash, Ramsay and walk taller and they re all rambling personality newborn by showing authors Martello today are quite sure that I come from Blanche, not gonna, find out for you. Why blinds dot com is the number one online retailer of custom window coverings? You get free samples, free shipping, promotional IRAN. Every month, you're safe, even more, here's a promo code Ramsay to get the best possible deal so Dave. Today's question comes from Hannah in Delaware, Delaware. She visit day rams it outcome to ask our receive my undergrad it in two thousand eighteen. I am currently making forty thousand dollars a year and I'm living rent free. I am We set member to an end. I am having trouble deciding which alone is the smallest. My private loan is only say thousand hours, total vomit

federal laws are twenty one thousand dollars. I'm confused because my federal count is broken down into six different laws, four of which less than three thousand dollars should I pay those down individually or as my private law and technically the lowest debt and should be paid off first. Thank you. So much for your help. Well! Here's the thing had we teach lineup idea from smallest, two largest you can see and if you laws are breaking down broken down into three thousand, like you say yes, like him, I from three thousand all be up to the largest one night. Make your minimum payments because also federal. It also tells you what is the minimum payment when you log To add to that account so call minimum payments, but then attacked at three thousand. Other went first attacked when first next and then go on from but you do when a lineup. All of you dead from small, is too large is exactly what I did with my

It allows because I had four of them and are broke them. Adele when I did have em and I paid him off that way. Much exactly right. It's it's by individual alone, if not by category right. So it's not like. I have two car payment, so good. I had them together now have two different car payments ripe to different. Let won't you have four different student loans or federal. If one is private and show you have five loans, you list the five out smallest largest and attack them in that order. The great news Hannah Asia attention and you're actually doing I'm so proud of you, Johnson, Austin, Texas. I John welcome that I remember he shall pay day right

Better than I deserve, how can I help pay? So I about how a question on about how I should attack my student loans so actually gonna lucky cause. I went to school, I graduated early and I got some scholarships from academics and they, like the MRS Doyle, me, oh about twelve thousand five hundred and loans. I have enough saved up to just gonna pay it off, but I was just wondering if I should just kind of way until after the election, and also that interest is suspended along the right now, a John I'm confused. So how we understand! Why would you want to wait after it after the elections? The scene of you know somebody, you know

I'm not like you know somebody wines, and maybe some new laws are passed there may be some dead is forgiven, and I really don't see that happen well now is now an average. I can't help you love making via, so what I mean if interests is suspended until December thirty first, why not just gonna, wait and see if anything does happen well empty? Why? Because you still India, I am, and why not just go ahead and attack it and get it taking care of now, Ok and create freedom, for you tell me, is how much money is being a savings account right now, so right now about thirty thousand dollars saved a jot angle before mechanical paid, his dead offer Could you soon have fifteen thousand hours and you savings? You gonna be one hundred percent debt free. You wait known white that the White House and take care of your house when the White House is proving to us, but they don't take care of our house. They really care about us

individuals, so you need to go ahead and attack that you still. How do you do? You sell your twenty two job get off to foment Gub Gub, hidden there, twenty two with thirteen thousand dollars, I did limitation master you're very impressive. I appreciate the words for years, but I'm gonna, I'm gonna correct you, you should. I got really lucky because I got scholarships and I've undergraduate early. Neither one of those things were caused by luck there, both caused by you, your stud man, well dine. You wouldn't dare

with your. You got above your button. When did something you weren't a victim, your victor, so yeah luscious play all the way through now. If you want just play one other low game, just for the fun of it, I completely agree with Anthony and he probably already gotcha convinced, but I'm gonna keep him a monarchy play in here. I'm twelve thousand dollars at one percent per year, which is what you are earning on: savings account for one and a half months. Ok, one percent per year is point o o eight three percent per month. You can't buy a freaking biscuit with the money you own between now and the end of June. Ok, that's the thing is, I am defiling, gonna pay it off. I know you are, but you do you're you're over working you're buying is all I'm saying the actual reality of the mass of your theory that you're working your bought off with you burn a lot of calories, just thinking about this aid, and so just pay the stupid thing off be clear.

Never in all the millionaires that we interviewed somebody go. You know I may point o o eight three for a month and a half, and it caused me to me my inner and it never came up ever so. Just pay the stupid thing off. You're, not cheating system you're, not going to break the system and by the way, if a president gets elected that thinks that they will cause a student knows to be forgiven. They have another problem before that happens, it's called Congress, yes, and the chances of getting that crap through Congress are zero just to help you with that. Ok, so, regardless of your politics, there's an administrative process that our government uses that keeps people from doing stupid, but things as dictators of the Republican Party or democratic Party and show you, even if you think you can do something you Congress in your way chef is always island. Misfit toys to deal with our Christine is whether some pussy Idaho I Christine what's up.

How dare you thank you so much for your programme to appreciate your ministry. Thank you yeah. I have a problem. I just love what you are teaching and I'm so concerned with it, but I have completely failed to get my husband on board and I just can't wait

for him to get on board. Show I'm wondering how can I move forward with the baby states dunk without him cathedral the demand of divorce? Don't do that. He has consider refused to go to marriage conflict and we just can't see eye to eye. But I read books I mentioned. Have you gone to the marriage counselor? I have good going. Are you talking to your password? The church? Keep going, keep talking to them, get some advice on the relationship. Unless get this relationship rebuilt and deal with that, don't use the money thing as a club to try to make him go along with you on anything.

I'm gonna work work so far in a drive, a wedge it doesn't he'll show. The biggest thing is that I have been very codependent no relationship for a very long time and which had kind of encouraged him not to work. I feel like I've, has not doesn't mean you can go off on your own start, handling money separately and end up anything but being separate. Show that what he has?

sided flash to do now. I do not know how he doesn't get to decide everything, that's not how it works. You have a relationship and you are getting couched on how to manage their this codependent. How to manage the co dependence out of this relationship and once that part is he yield, then we can talk about how to work the money together, but I'm not gonna tell you to run off to the side over here and start doing baby steps and keep telling him how wonderful it is and how stupid he is because that's not gonna end up anywhere good in the relationship. You know they ve got ass. His question, I'm pretty sure America was shocked to hear you say, don't because you say they get a fixed. There were no marriage and relationship. First has probability of our building wealth on the side. and staying married of almost got no data points about it. Now you dislike, we'll have a bad marriage was have a baby, it's nice of DOM idea,

bad marriage ceremony over how money now it's done they would have worked on the relationship. Then you can work on the money. Then you can talk about. This is that I am sure thanks for joining us, Anthony, O Neill rooms, you personality newborn by showing either the book get free degree going to college with no there. Ah, he joined me as Micro hope today here on the ear I have you

yet at the end of the month and too much money left at the end of the Mai. they were all your money went. I have no idea of illegal work for Congress. I have no idea where others went. Here's the thing. If you want to take control of your money, you have to be the one to tell it where to go, and that means living on a budget, and that means giving every dollar an assignment every dollar a job. Every month manage the money in your house, like you were paid to manage it as a job for some one else. The best. Why do this is our new Ramsay plus membership? It gives you all of our best money products, including the premium version of the budgeting up every dollar, every dollars, literally the world's best budgeting app. Without a doubt, and that's where you make your budget track, your spending and clearly see we're all your money is enough. Clues rounded plus, of course, includes financial Beach University. The baby

Tracker APP and a whole suite of things that cause you to know what to do, how to do it be on the same page with your spouse, for those of you that are married, get a free trial of Ramsey plus right now, never again wonder where your money's going to start. The free trial trial text begin to thirty three thousand seven hundred and eighty nine. It's a good word begin. thirty, three seven, eighty nine less is unwilling to North Carolina. I wash how you. Today the now doing right thanks. Thank you. How can we help on these two four five and six making about eighty thousand dollars a year, take home about six thousand six hundred and sixty seven months are currently spending us two thousand two hundred and ninety two to the mortgage she bought. Half of that is extra. On top of the actual panic

you earlier about a hundred eighty nine thousand two hundred and thirty three on the border region of contract paid off in seven years, I've and uphold area, but twenty six good for you. Well done. I give so my question guns and I'm about to get a raise about a thousand dollars per month and spying on spending. Most of that, if not all too the mortgage and I'm going to learn. Is that of being stocking Gazelle gently mode from baby step by two and three saw need gonna ease off my wife and daughters or if until they can have more fun or keep charging head towards these subjects. I it's been a long time since every sissy, a guy twenty six years old, call me and gave me his. Balance to the penny too, the penny than all the other that through the penny and so as a present,

Third, I am sitting here with great appreciation for you re. You are an incredible super nerd and touch down your winning you're killing it. Those of us that are nerds have a tendency to get very task and goal oriented and forget that the humans in our house wanna have watched known as a life gas. And so I I'm guessing. Your wife gave you that hint that maybe you putting this whole thousand dollars on the mortgage. If you wanted to have a good life, Well, we Morgan earlier budget about four hundred dollars a month. Bird shopping and fun stop and think that you'd like that to deal with a higher gear of your deletion. Here's the thing you're doing so good and From one nor do another, I have learned the hard way: the old nurse, the young nerd. Ok, I've learned the hard way

easiest way to win the war is actually lose a few of the battles because it should get more fired up and more enthused about getting the house paid off. If you don't keep the screws show freaking tight on the enjoyment of the money, she's not asking to blow the whole thing up and destroy your wonderful plan. She just needs a few hundred bucks out. Others thousand and I think I think you're gonna end up are actually getting the house paid our fast or doing even though the math says you're not here, because she didn't blow up on you later so yeah you're doing great but he outlets sluts. I think I know what are you hearing? I mean you know Deva, I'm here and the same thing too. curious, thus heavy, even to set down what your wife and say baby. This is what I would like to do. What what do you want it? I can't we just sit down, say Bay. What we're gonna had this increase,

is. This is where I see us going, but this what? What is by what I see? But what do you see? What would you like and then together you are just come up with the game plan. To attack it or, if she says hey, you know I want to go in a nice vacation. We can do that, but you better take me in a case of a nice vacation every summer for the next seven years, ok cool! I can do that. You know how key meet each other, but I think you can have the guy had a conversation to have the clear understanding, yeah yeah it sugar and that's that and better advice- and I gave you should just do that. J arson spark a J, R how're you I'm grateful I genuinely thankful for you in your tea. My wife and I became a strange in January eight years,

We started financial peace and just paid off two hundred and fifty four thousand eight hundred thousand dollars in sixty four cents as south. Thank you, I'm close I had few today was not to have to pay off and we had a full per month for that we do have a family of foreign alone, one one who hath bathroom house worth considering going back and getting mortgage. My questioning This is what are you? What do you think is the best idea for us. I know. Obviously I misunderstood, and you have said you and your wife or estranged, which we have now where's trade,

Where that we owe you are strange kind of our buying a house. Ok, I feel so much better with strange than a strange notified to ever see ever if she ever decide to leave it. Let me look like you're back my back at all, share and ongoing, whether so yeah gosh, are so sure. Is that how do we move up in house yeah? What's your household income, Ah now draw two hundred and watch the house, the price that you would move to we're lookin for forty why are you and what is the current housework to forty two hundred thousand, you make to our doubts, and so, if you took out a mortgage, you could procure thousand. You can pay it off in two years for sharing.

Are you haven't? You got your right, absolutely mocha or you can see. My errand was won by hours for two years and pay cash for the difference. The others like lush those are the two options: neither options in the stupid column, I don't I people call me up and gonna take out a mortgage. I can pay off in two years that doesn't usually come up around here right so that that's wonderful you now. The point is that you ve got the other, I'm not gonna, stay in debt, the rest of my whole break in life and pay the bank and make them rich. You got rid of that problem right. So this just how long are we cannot stomach a mortgage for two years hard to go back and at once you ve been out there think I'm learn a little more towards a just Bompard unsay hearing. You devote some cash in my way eyes is our Gunnar and biogas saying one buys bathroom and MRS I'm done with this. That's right.

But listen? Neither one of you are wrong. There's not a stupid answer here. It's it's It's just a matter of you now. Can you can you take a deep breath and swallow a mortgage for two years and knock it off now? If I'm doing this deal, her we're gonna, Greta beans and rice again, because I, if I'm gonna, do this, which is really hard If I'm in your shoes, that's what you're saying J R, then you're gonna use the honey organ donation, two years gas were not we're word this puppy right out. There you still way over here on the smart column way over in this market. I agree Agri way over in a smart, but I will try to miss. My wife is we can just sit. There is cheap for two years. It's fine, if it's just to a view with one baffled, bunch of kids run, run out crammed and their she's over it. She's done with that interesting stuff to get our

by drawing an out. I don't like you day. This is that I roundly shell hey, it's Kelly Associate producer advance Green up today, Ramsay show this episode is over, but if you heard about it a vent product or service, it didn't have a chance to write it down. Don't worry. We list everything you ve heard about during this episode in the pot cash show those or had today we have set out come thanks for listening,

last year in a row and living life just going through the motions, build confidence in yourself and learn to trust, the God who created you check out the Christie Right show where Christie inspires you to break through your limitations and create the life your proud to live. Pale Christy right. You know it so easy to feel stuck. You'll live just going through the motions, doing dishes, doing laundry Harpole 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 show. Each episode will help you build confidence in yourself and the God that created more from the room she network, including looked Christie right, should ever you listened, applaud, Catch hates aims, producer of the Dave Ramsay show this