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the live from the headquarters of ramsey solutions, the studio it's the ramsey show that is dumb. Cash is king and the paid off one mortgage has taken the place of the Bmw, how's, the status symbol of joy. We help people build wealth, do work that they love and create actual amazing, like the george Campbell, ramsey personality host of the fine print and the entree leadership. Podcast is my co host today. Open phones, a triple eight, eight to five five to two five, that's triple eight eight two, I've five two to five

Lauren is in atlanta starting off this, our high lauren how're, you doing. Ok, how are you doing better than we deserve? How can we help Now I will try to keep it short. My then I are currently upside down and the health, but more n and the mortgage again my name an odd desperate confined options. Besides, got feedback wondering if you think I I should just go ahead and I'll bankruptcy are. Behind no, sir, the house? How much is your name on? It is seven hundred and fifty one one hundred and Two thousand, and one is what do you think it's worth? that's the thing go back in two thousand and eight a lot of money in the house because my grandmother insisted on staying there. Ah,

until she path that without a goal was so the house was there under those in bad shape, then, but just on her. So could I had a friend that help me but working through the house. I was, the work that was being done wasn't done properly on, for instance, I could a new kitchen and honour rotted sub floor. They fill the house their allotted, Worrying sunday sat on destroyed the base of the house on it just as the house is likely to lose out about a year and a half ago for our health leaving our hair and a dog was in fact as well, and that we spend paying rent in paying the mortgage on thinking that we, you know We could just kind of behavior. Had anybody look at it to tell you what is worth it in the groom condition that its now it's worthless?

and another time and you're, a doctor launched out with a drama Have you had any body that professional real estate person or in MR look at it and tell you what it's worth went out, several people I am the sites zero. Well, forty thousand. Is, what the land its work that's what I mean we're upside down. I don't mean to be dramatic. It's kind of well worth less that with dramatic get, if not the house worth forty thousand bucks. So or more work anything, but the land worth forty thousand, how much land is involved. Five point: eight acres where in atlanta it's actually are side of outside atlanta, closest big city had failed but athens outside of athens, georgia. Rule community. Yes, sir.

you have homeowners insurance, two and back in two thousand and fifteen. I tried to contact them to see if they would help with the mold. I had some of the mold remediated, I'm in it temporarily collectively on but. How do you owe the monitor the mortgage company currently regions? is it an average? A loan of veal loan or conventional loan, I believe it is a conventional, but I'm not a hundred percent and what is your household income. my husband and I make around thirty thousand currently on. You are not bankrupt, but you ornament. The order you already knew that the esa, so what occasionally area? Is you get foreclosed on You quit paying payments on this today,

and the worst cases de I would go ahead contact regions and say I'm done behind. Was falling in. I can't fix it. I am make thirty thousand dollars a year. Put me in touch with short sailed apartment. I pay get in touch with a real estate agent at ramsay solutions, dot com and of you. Some of our e l peace, are endorse. Local providers ask them when you're interviewing them. If they have any experience with a short sale Very few short sales in today's world, but you have a house that is rotted down and lost its value and you ve got Structural thing. It just needs a stick of dynamite thrown handed out here. It's over one great house to start with and then it's gotten more and so on. here's what's gonna happen, let's pretend that forty thousands are real number, I'm not positive. It is

this land is worth less than ten thousand dollars an acre. I suspect you probably get more than that for it. It can afford. why I forgot to tell you that road, the railroad expanded. Well, the deity expanded the highway in front of the house years ago. We we have. Five acres is in a floodplain. No, no car insurance has been sweating under there. For for many years, that's ok. The house is gone So here you are going to happen, the real estate agent gets you an offer of forty years, fifty thousand dollars but Oh what you say one fifty one, fifty one one. Can he then that or goes to regions and regions can decide if they want to accept that. Ok and if except their offer. Then they forget. for the rest of the long now weren't. You must remember the phrase Remember this is a short sail without recourse without

the court would change they come back after you for the day, once in the one fifteen and the fifty grand you get for it, ok If I get ten thousand bucks on a girl, there shall be fifty grand, and take that offered a region's region, says hey, look after we foreclose on and we take this property back we're not gonna get one fifteen for it. We're gonna get fifty four. Then we ve gotta go sue. This woman named Lauren, who makes thirty thousand dollars a year, which She'll vile chapter, seven bankruptcy or go get nothing so we're just gonna. Take this ok, that's what a short sale is. That's how the logging works, but I've got an agent that knows how to make that pitch to regions and work through the region's mass. And regions is no picnic work, whether a pain in the but but Oh gravy- they just our it's a stupid bank, so but you know there's a thing what I m payments a

being number to get a real estate agent, though be with a short shall you can do that around the solutions not gone and then see. Hopefully, we can get them to accept an offer from an investor or local guy wants to just format and push them.

It's down or whatever right. Maybe your next door. Neighbor wants the property and they'll accept it without recourse. Okay, that way, they don't chase you for the difference kiddo, but this is going to be all it's going to take six months to a year of your life screwing with this, but all that time, you're going to be safe and seven and fifty bucks a month cause you ain't, paying any more payments. If they do come around and foreclose and come after you, you can deal with it, then settle with them. On that this is the ramsey show. The

The george campbell ramsey personality is my co host. Today, you hear me say all the time that everyone needs a will and it's true. It's a basic adult responsibility: there's just no good excuse not to have one. You have also heard us recommend an online will as the fastest most cost effective way to get your will take care of body lot of questions about a simple online whale is that right for every ones? the situation, I get them you need a trust, her you need a mirror will or what kind of powers of attorney dna with them questions in mind. Our team built a quiz to help you find the right option. Do you need a mama? Bear legal forms, dot com well online, or do you need an attorney? Will tell you

We don't montoni. We want you to get the right thing in your situation. After taking this quick, easy free quiz will direct you, The way you need to go but either way, you're going to end up with a will at the end of the story. Okay, take the quiz to figure out what kind of wheel you need go to ramsey solutions, dot, com, slash wills, quiz wheels and that's not with an apostrophe rico's will didn't do the quiz, but it's a wills quiz to check it out for yourself, rambling solutions to accomplish wills. With our question that I got from blinds dot com, they have a war, hundred percent satisfaction guarantee. That means, even if you miss measure, you pick the wrong color their remake. Your blind for free you'll, get free samples, free shipping, the new promos. They run every month, you're safe, even more years, mocha ramsay- to get the best possible deal too, question comes from Debbie in LOS angeles. She, my husband and I have two hundred and thirty thousand dollars in our for one k, we

to a money market plan about seven years ago, because we're both in our mid fifties, good lord, the sea. FAO, at his work, is now trying to convince him to go back into mutual funds here. As far as to tell him that we missed out on fifty nine thousand dollars and twenty twenty one he's right, I'm buying your we lost almost all of our four one k in two thousand eight: this man telling us it would go back up and stop watching it? want to ever. Watch that train wreck again. Why would the cfo be pushing for us to risk our return? and fund, oh boy. Where start with Debbie sweetened Emmy sweet little Debbie little to our high well filled up he's got cake with the cfo on this one. I think he's trying to help you retire with dignity and not lose our big, because you jumped off the roller coaster, mid ride and clearly there spook day from two thousand eight which is understandable, but being a money market account which means is just sitting in cash for seven years loose

against inflation, making zero percent. That's a plan. If you want to retire ever I Debbie. you can't win at investing billions drama Debbie, and you're being drama Debbie. You did lose your for a one came in two thousand: eight, the stock market, not go to zero. It went in half, and so, if you took out If you had four hundred thousand dollars at the beginning- and you did the money markets at the very bottom, which makes you the world's worst timing? Then you in thirty thousand. So that means you lost half of your money. You can't say we lost almost all know you did not not if you run a mutual funds, its actual mathematically impossible that you would almost all of it. There is not a group of mutual funds that suck that bad, that went down. Ninety percent. While the market went down fifty percent, went from the dow went from thirteen thousand to sixty five hundred. I know I was there,

my investments to the exact same thing. I was here on the radio sounding just exactly like yourself. Oh don't jump off the train, no one gets hurt, those a jump off in the middle of a roller coaster ride there add to the end. Now. If you had not dropped off jumper, the train at the bottom. You would not have lost half of your money because in just a few months. The dow was to where it was pre, two thousand eight, oh by the way, was a thirteen thousand. Then with a sixty five hundred, you know it. We're. Thirty thousand a day, Debbie so you would have had not two hundred thousand you what, add one point: two million right now you had to earn thirty thousand at the bottom in two thousand and eight, and he left it in their use of one point: two million right now you didn't, fifty nine thousand abbe a million dollars ouch.

You're being a debbie down or dave. Want you to know that I'm downing Debbie! That's me They were just having fun here, opinion on you, but anyway, that's the math amidst true. That's exactly scared to arrest. I dont know. with this man telling us it would go back up and to stop watching it. Well, I don't think he has. Any ulterior motive went back up, Debbie the cfo making money from you being in a mutual fund or in the four o one k, she among you, don't get margins on for a one case. None whatsoever he just trying to help and the way That is trying to give you the essence and the nuances of the market and show and then the markets back down which treats trashed right. Now, it's horrible read the second, and am I mean you everybody's employed and nobody's making money start market Biden. Could she grew up christmas, but I the be out, but but

done matter in know. I'm doing this month, I'm not taking it out its arms Well, Debbie crane elon musk is buying the world what he's going around the world. Are inflation? That's right, gas housing market. You know president can string together I mean these are the things that are happening out there and so the stock markets going home, so scared, and it's going down right. So you know I'm doing investing. You're not doing it goes up, and then he nodded I wanna does down invest. Why? Because the worst movement in the stock markets, history other than the great depression, was two thousand eight and debbie up Currently, if our reading this right, you managed to take your money out at the exact worse time. I mean you, you really hit it. Amazingly bad,

if you panicked at exactly the wrong time, you should have panicked earlier or later or something, but it. Oh, my god. What's the quote? It's an ad, not timing the market its time in the market, consistency slave. It allows so keep investing yeah. You weren't, you lost out on fifty nine thousand and twenty twenty one, but you probably lost close to a million dollars. If you took this out at the bottom of the grey, after await and moved into money markets and have made no money on it. Since meanwhile, my money, five exe file, vaccines, the bottom of the two thousand eight crash, real almost six x technically and the dow's down a little bit right now, but I mean it was up to thirty eight thousand, which would have been at six a oh yeah who That's. Why debbie? That's why because you're not really risking your retirement fund. If you quit taken down at the bottom, your risk not being able to retire at too

a thousand dollars at retirement. I mean, let's look at it, Ok, here's moving this forever by were reaching Debbie is an example, but your heart, but you walked into a debbie, so if the analysis I gave you is exactly half wrong in my case I'm I'm I'm half I'm off by fifty percent in the little math formula just did only the air okay, which I'm not Let's just say I'm off by that much you didn't have a million to him off. fifty percent you'd have six thousand it still almost three times more than you have got today, so this of your. She, if I would have had been drum, had a gleam drastically wrong, what long by thousands of percent. For you up with less than you do now that, why he would be pushing for you to risk,

return of one year, Our perceiving more risk with your emotions than are has actually mathematically there. That's what we're saying! That's the summary and if I'm Debbie, I'm sitting down with a smart, mr brown, to educate myself on what would have happened. If I left my money, they're right there I'd, educate myself on what I'm actually investing in? So I can make that decision right now. She needs that kind of coach, she's freaked out yeah, and you know george that they were too but the other day there is mutual fund that opened end. In nineteen thirty four. It has average, since nineteen thirty four twelve point, two five percent interest rate of return. A number of years. Eighty seven years has been opened the number of times it's been down. Sixteen, while,

sixteen years out of eighty seven was down the other you'd. Seventy one years was up. So that's the type of thing that should be in your me in your mutual funds. In here for a one k and that's even safer than the market, you gotta have a long term mindset. This is the ranch.

George to have more room should version now. What are you might call home today? Sarah is resolution. Marilyn Shariah says much brain you're dead, bree, congratulations! thank you for much davy S, way to go, and what should you pay off? I'd hate asked three thousand dollars good for you and how long did it take in five months all right way to go and your range of income during that time Well, I started out of nero. I had to make my first payment out of my very meagre, staving and then That's my job later that month, at eighty seven thousand, and now I make ninety go. So what do you do for a living

I voted against amendment government, cider, planner, nice and your debt, the forty three thousand. What was it that way? well student loans day, so you came out of school and a year and a half later jumped on it. And it's done is that the story, a while ago. What made you decide the job on it so hard I didn't want to turn out, like my parents, and you know that defines the paint on loan. I just wanted something different for myself now, You think you could actually do this a really big part of it is thanks to my boyfriend and his parents. Are they follow your plan to get out of their debt and they caught me everything they knew and I was like hey I. I can do this, that's cool, I'm impressed way to go boyfriend for an apparent excellent job. How dare you I'm twenty five, ok, sure you're, not waiting on the government to forgive you, student loans I thought about it like you know, I know a moment s. Lake

I sleep at night limited get the sunless done. You're close enough to dc to know it's never going to happen. That's what I regard as the real answer here. Amazing! Well, congratulations! Sarah! I'm proud of you! Thank you! how's. It feel incredible, you know like a huge weight off my shoulders, ten thousand of that Forty three was all interest that accumulated. It does not have that anymore. It's it's crazy. It's so great that show fun good for you, for you. You got also kind of feel like accomplished like confidence, I don't know I like to stay humble, but I really have to hide myself at some time to feel you like you know I did this actually been there, the little indignantly to it? yeah! I do you think I really could buy. I I was determined and determination carried me while list.

Your chance to brag right here on this call and when you have brought you were here to brag on you, you think you're amazing way to go twenty five year old, paid off your dad. You don't have to have some by do it for you, you, through your shoulders back and knocked out way to go, get a pop pop. I love it. So actually what kind of sacrifices did you make along this journey? Sarah? Well certainly learned a lot about delayed gratification. I you know I had a push things off to the next month. I did, and always by the newest video game or an always go to the movies of my friends. I put about a full page. How can a little bit more every month to my student loans and I could have been wasting that on like a new car or a better apartment, or you come out of college with great income. You think well now's my chance to really show everyone all my success. Actually, that's that it allows a lotta people dead, but you know I I just kept it like really down. Oh, I When I have an eye, I stuck with it.

guessing your boyfriend and his parents were cheering you on one of the cheerleaders. Did you have a amount sister. Definitely but other than my sister, it was pretty much ass. My boyfriend have parents, they knew they were their respect for the way and I would send the the screen shot for my payment so that they could you now and they have brought they were, and I could I could feel good about it good for you well done Your lover excellent excellent job. Ok, now that you ve done it. What do you tell people the key to getting out of debt is determination and sharing rent, absolutely. If you an apartment by yourself and you have a spare room, your way, the money- you know just guess, Else in that spare room sure your apartment, you, how does your screen mode to make sure crazy didn't commoner?

Well, my roommates, my boyfriend, but that one method of screening exactly now poison on raising couple years you now, I got the four major. Then the landing grid to sell a girl that noise or financial be scared, he's not I don't know. One airs dated gore credit card, no credit score good good for you white gown Sarah yeah, we'll we get a copy of baby steps millionaires for you best selling book and that's the next chapter in your story also we're gonna, send you a one year membership to financial patient, firstly, in every dollar, in Ramsay blush and on top of that organization, you a copy of the total money make over to give away and you ve already lived a lot of ocean. Your boyfriend certainly knows a bunch of it, but you guys can enjoy the going through the clouds

to gather, hopefully, as your married and and move on to the next phases of your life? Congratulations were very proud of. You are right, sir. I am Marilyn paid off forty three thousand in one year and five months, making zero to eighty seven, the ninety two counted. Zero dead prescribed, Why She wasn't gonna, wait on no one to pay off and leave her life. She said she wanted to sleep at night. If I, thought they would listen to them. I would send. two thousand of those that fresh grange from twenty five year old that we ve done to why and so they would know that the debt that student loans dont have to be forgiven.

ITALY, knowing allowing people that they can never get out instead tell them they can get out. Stealing their hope with politics. and we'd be ok, but instead we have oh you're pitiful you can't make it without me, I'm in the government, I was going to get their vote. However, how else am I going to get your vote if I don't buy it, so, oh and and I have to run you know, but she's got dignity, yeah, I mean she has the power she's alive. Controlling our life, not waiting on someone else to controller life, it's so cool megan is whether magazine minneapolis high mega how're you we're taking my car sure. What's up, I just started a business with fear and have a part time job right now in that same industry on the side, I'm on baby steps, four or five? Seven and I'm wondering now that I'm done with my school The horrible idea for me to quit this part time jobs to make more room for my kid this summer, or should I focus on building

my business or rachel build my business, or should I keep my job until I get more clients, but my business? Are you married? I am Yet what is your husband make so here about thirty five year and what do you make your job. So my part and job I makes thirteen hundred dollars a month. I haven't done macabre and what do you make on your business. on eleven hundred dollars a month. Ok, so you're going to cut your income by twenty five percent? When you do this, unless unless you increase your business size right, yeah yeah can and I'm the only reason why I asked her then I'm kind of I would really like to cut this off is because the for the past couple of I've been doing full time work full time school in I had my daughter, I didn't take a semester off, you know to have.

A thing like that, and I think actually I'm the kind of maybe how pulled out a little bit right now at the moment we are weak and working. So are you I mean right now and I'm working about like forty five, fifty the weak. So I mean honestly not like you burn. The working on, I mean if I will be honest I saw my business is more kind of like a night. You again and my our term job, is more like a now and the day after stone, fifty hours a week to make twenty eight grand isn't worth it even between your part time, job and a side hustle I'll get both of these things up I guess you might consider different career when we make some money You can get your business going is not enough to live off of, but I get your business rollin what I would do

If you liked the business I'd, get it up and running and get it running where you can make some good money on it at forty hours a week and get the husband's working hours? And you know I think, that's it. I think I think george is onto something here and if you can't do that, then you probably ought to look at a different career because you're not really making much money. That's what it comes down to. You wouldn't be sure that gm, tired of your megan one hundred and thirty thousand to thirty thousand this is the ramsey show the The the the?

our scripture, the day proverbs. Nineteen, twenty three, the fear of the lord, leads to life than one res content untouched by trouble. Albert Einstein says: whoever is careless with the truth. In small matters cannot be trusted in important affairs. No doubt about open phones triple eight eight to five. Five two to five paul is with us in jackson. Mississippi. Paul. How are you your honor I man are you doing better than I deserve. What's up I've come into a predicament here that a lot of people do not get the chance to do here, all my own agree receiving a cheque for about one point: two million dollars la night, where that guy Am a land deal.

Ok, so you you had a piece of land that you shoulda. It's gonna, you gonna, let you one point two million, actually it s sort of like a finder's fee. I found some land took. Two developer may was a lot of money and aid going to turn it around. So It's going to be my percentage of the prophet, while very nice. Ok I hate it when that happens, good job. If you find anymore or let me know how come but yeah, I'm twenty seven I have about fifty thousand dollars and debt than tat, in this kind of money, it's great, but it also can a scary because I don't know what to do a lot of work. I'm sure it's, why is it wise to be scared if you were strutting around acting like you knew what to do and you'd never done it before. That would be the the first sign you're going to lose the money. So a really good, really good

position to take a healthy kanda fear, not not toxic fear, not being anxiety, ridden or something, but I just go and others scares me low bed like this is a really powerful car and I'm not that great a driver. Yet you right now go the ship, should I should have I dont, a home run I'm I'm worried they should. I should I take down on two hundred thousand and put it down on a house, or should I mean she? Should I reinvest this money or you know- and I have a I have a day job as well. All this side, income that I have is is working from four thirty to walk at my and on saturday and sunday, not a bad side. Hustle now look. I've always been really driven and so what do you make a year on year day? Job? Seventy thousand

and you're used to living on that. Oh yes, nokia, Well, you know a lot of different things. Paul I'll give you a couple of things that first though some just basic ideas at you and then I'll, throw some conceptual ideas at you as well. Ok, basic de I is right jack pay off the that ok, you said you had the development that right you're, sorry about erotic, you pay off the dead. That's thing want to two ways: you sit down with tat, a good tax pro and culture. What the taxes are not beyond this and then that aside and britain like it's, not yours cause it's not yours, you're not get up. and you ve used our screwing around with a portion of this. That is, taxes are dissatisfied count over there be ready for next April when it roles around and hold on the money as long as you can hold onto it, but just put it in a money market account and pretend, like you, don't own it anymore, and that's gonna pay substantial amount of money.

it would be around two hundred fifty ya. Think probably It is probably three hundred but sit down with your tax pro and calculated exactly. That aside, ok and then tell you what you got to work with so much the three hundred and then, let's call the other, If and I gets so down aid. Fifty ok, wrecked, and what would you do if you were going to buy a home? Do you wanna house, no, not necessarily not not in the market that it is right. Now I don't want to pay. You know I don't want to pay for it. Four thousand dollars for a house is worth a hundred. Seven honey is worth three hundred. It's not worth one. Seventy five dubai! come back now. They'll go there real step process? Have retreated in the history of the united states? Never now, guy long term,

well. That makes me a little bit more comfortable. I mean we had one retreat in the thirties and it came back up. We had another retreat in the o eight and it came back up, and that was the only two times it ever went backwards and it came back up and we're not going to see a retreat in order as result of this mess were in right now, but we are a cigar, slowing and growth, show, but you're single twice: seven euro guy, you may not want screw with how you may well get a nice condo, domestic a for. I don't know what you're living situation is, but I, no pay cash for a residence, ok, That is so. Let's call that three hundred that still leaves you five fifty lay in around. What are you drive? What are you driving I've got a two thousand eighteen have to fifty, Well, my daddy is ok. Can I watch this drug ochreous? You pay after upkeep drug. It's great car. Keep it look at what you're southern ITALY

on that I mean you can always park extra money and a high yields aims accounting and use it towards your neck school. So I love the idea of getting a reasonable residence. Must pay If all the debt, let's go, get our emergency fund in place of set aside. Maybe you know twenty thirty k over here for that and beyond that look What your next goals are, maybe you want to do real estate investing and you want to pay cash for that maybe want to go on some vacations, or maybe you want to set it aside, because you don't know what's going to happen in the next five years. Maybe you meet someone you get married and saw like the idea of park. A lot of this aside, once we have our house paid for media. Not all of them. Now here's the thing, if you wanna do. with the fear like sometimes talk to someone, that's inherited two million dollars or something- and there like. I don't know what Do I don't know anything about money? and so you you that we put him through financial peace university immediately which we're gonna do for. You gamble pay for you to go through it.

once you get the basics on handling money down, and then you kind of build yourself, a little board of directors for this million dollar business and the boy directors, is a good insurance agent, a good. state planning attorney to help you get a will implies a good tammy tax, perfect in your corner. like you, already know a lot about real estate, But you may you know if you want to put a real estate person in your corner. That's fine, but you put some experts around you that will teach you different things that you need to know ah to be able to do things that you don't know how to do. My impressions, I stay plan is very complicated. No possible way I could have invented, but my knowledge base my estate plan. I paid and stay planning lawyer or a lot of money to keep one man lay from having to pay. tens of millions of dollars and taxes after I'd die because they text. Why should the eu s now? Because if your ritual on must be evil- and you should be punished so Well,

The lesson example I dont do my own taxes and I I could probably muddle through, but a problem miss some stuff on pull my teeth either so you know that that's the thing you're dealing with so you know Can I get some advisors around you so that you've got and you don't have to pay them anything they're just there and you develop a relationship and get maybe a good, maybe meet with one of the smart vester pros about investing in your funds? You may want take that have made em, you might be realistic guy and was delusion deals just do more with cash. You can't miss them up every you're with gash, because there's I've, never seen a single piece of real estate in my life go to zero. In you know, it's not done is not bitcoin. I made it can go to zero. So you know if you want to buy a piece of land and you wanna fool with it, flip it over about property of flip it. Are you won't bottom properties that create income? That's all! Ok!

good news about jackson mississippi? It is a reasonable, real estate market. Much more so than a lot of areas of the country so loud if you can do there, you got a lot of options. Congratulations shouldn't make very problem is to set him up for the future, these twenty seven. Yet if he be managed this money, well he's gonna meal to retire early, do whatever he wants to do while may. If you invested one million dollars and you made ten percent of those fifty thousand a year- that's not bad and you got taxes on that and other stuff, and you won't be ten percent a year every year, but you make ten percent average and he can about replace his income if he real close, and if you left alone, you now double over seven years show seven years, these twenty seven and thirty for it. If you know what I mean and so many forty wanted to make.

And just just off of that. That's incredible! That's something to think about yeah, but yeah, but again that's investing in mutual funds living alone cause you're, gonna fool real estate. You probably make more than that, but you've got more hassle and expertise that puts us our the ramsey show in the books, 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 to walk daily with the prince of peace. The day payer we just launched a brand new audience survey for the ramsay show and we'd love your feedback. You can be entered to win a five hundred dollar gift, no purchase necessary. Take the survey at ramsey solutions, dot, com, slash survey, the! If you enjoy this podcast, you should check out other great podcasts from the ramsay network, like ramsey calls the day check out our new ramsay call of the day. Podcast it'll give you a quick id of advice about life and money in under ten minutes. Listen to the ramsay call of the day. Wherever you listen to podcasts, hey! It's james producer of the ramsay show this episode.

it is over but check the episode notes for links to products and services you heard about during this episode. Thanks for listening,