From other quarters. Ramsay solution would all environmental studios. It's the Rams Asia work that is done in the pay of mortgage, taking the place of the Bmw status symbol of George Michael. They only remember one by showing over a couple times over remsen personality. Chris oaken would mean we're here to answer your questions about your life and your money, open foams, Eight hundred and eighty eight eight thousand two hundred and twenty five that's eight hundred and eighty eight eight hundred and twenty five five thousand five hundred and twenty two

five bodies, whether some blooming ten Illinois to start off this hour, a buddy. How are you good thanks, economical Sherman? What's up baby steps to a bachelor. Just now anomaly a grant its march good for you, everything around right now and we have had our out for about five Six years earlier, thirty or fixed about four point, three, some farther believe It's a good idea to pass. It gets a minute to Bialik Cash, blew a pecuniary fight at work and of the paper cold and gone What are you Obama House about ninety six thousand unanimous according to throw your closing caution to the deal. I'm sure that we set up a good idea to nearly before smaller stopping your debts. Noble, ok, it would be a good idea to listen. well. Aren't they wish to do ya

What does it decreases? Your monthly cash flow your payment, even by going from authority to fifteen, even though you drop in two percent, is gonna, go up progress without a shadow of a doubt, so it that you do want to make sure that you never refinancing just refinance. I met you make sure that your having some kind of savings and some kind of rate change there have you got no, buddy on what a payment would be on fifteen more about one hundred hours is able to do that. Yet another quality issues. Dear boy, without armoured hours, but should also got about a hundred forty thousand dollars. yeah. Well, a hundred dollars is not going to kill you and it's a good move to do all these rights her down And so we are going to take it to a fifteen going at two percent or whatever rate there quote me right now, which is a seven two to three percent eyes. Yes, definitely how to do it? And, but I I wouldn't have the cash flow you get, the the

motion calls out of pocket- you can throw it that in two thousand and dad and roll it up into the mortgage, you're still gonna recoup either way you don't change recoup recoup is two thousand dollars a year by two percent on a hundred thousand along approximately so you're gonna, come outbreak, is there a scenario where you would have someone pause baby step to just to refinance you're trying to think- and I know you think of me For the time when you're doing refinance, you have room to row your closing Karlsruhe answer. It doesn't come up very often, if that the case, that would mean they had almost no equity right, which would He paused on other things and cosmetics, We got too much house what's goin on. He lock, you know what's happening that work, all your equity go and learn more about it than because be a fairly unusual. Yes, it was an area, show your Roger good question to think through, but most the time we roll would only increase either way. You're gonna pay the money near the group.

When you pay off the mortgage or you gonna pay it when you approach you're out of your PA, get right now, you're gonna pay off the twenty thousand. Its pays me. Our pays me later don't get into the water, so that that's the thing I am. It sounds like I'm telling you to borrow money, but I'm really not This is rolled in their home, you're gonna Europe. Now your payment is gonna, go to your getting rid of fifteen. here's a payment, that's right, while you're at it ruins this makes a ton of all you out there doing how shop and remember number one you want to make sure that your added debt, you fully funded emergency fund and you ve save for a down payment. I know it's a low right now and people get housekeeper Dave people on Twitter token, yours aunt, Rachel so low Clearly, our our helps, no matter what the rates are doing. Dont. Let the rates determines your plan, you process and look at it and be clear on that, and also one more to Huggins tips. Today, lock, is a mortgage. People ok

equity line of credit. It's a big credit card attached to your house that using your equity, ok, that's creative thing, the banking industry is down in the last thirty years, but it is a more it's because there's a deed recorded on your property! So if you have a like you have a second mortgage now. It is a mortgage that, after the first mortgage is a second one, and the one after that call the third one, that's more than incomes for iranian rage. If you still got your but a mortgage, you really did and grab, and still take your. How should we don't pay? It's called a foreclosure in either case, show you alone If things the hard way like I did or you will learn them right way and not do them like me We're gonna suggesting here really is whether lilies and SALT Lake City Utah hello. How are you I am doing great good. How can we help I'm I'm just trying to get up to fifteen percent to fifteen percent or retirement savings, adding my husband and I remembered it- business and bestow army in order to self employed

I'm sure you ve got well fiery for both of us. They were not quite that fifteen percent. What can I do? I do I just invest in the stock market. Then there's no pack and MR no program like a fire, a family to members? You have on your in your business. People employed gotcha bout, twenty how many have been there been there more than three of the last five years, oh light three plus due in large part time, check in with our o o is there? Anybody ultimately there more than what three the lash bath. But maybe wise one or two, The kind of fluctuate mainly default gotcha. Well, the thing is, if you can do a sap, a simplified employ pension plans where you can put up to thirteen

which six percent of your not profit into your own retirement plan. However, that you have to whatever percentage of your income you have put in yet put in the same percentage of any employs that I've been with you more than three last five permanent employees, not not doubt not partners. You probably have enough people that qualify for that. That makes that a little bit unappealing second up problem with a better option is called the simple I re you can do in addition to your fora, gay, and you can do it as a Roth simple, as you are opening up a forum, one k for your little company, but it's called us. Oh, I re it's very inexpensive, fifteen dollars a year at ministerial face where I've got like a big with a thousand people, spend fifteen one thousand dollars a year in employee our enemy straight fees on our employed for a one day So this is a simple one. Now, the

We downside. The only requirement is, is that you? to match what they put in up to three percent. and you can said- and you can set the the I'd line on who can join your little miniature fora, one k and, recommend. You said it if I have been with you at least a year that you don't the mental company that size, but that of caution, little bit on a pocket, but you can also then double fund and really get going, checkmark vesture prose! I can help you do that game changer to get that going into small business. That's what we did here for a long time to we no longer met the guidelines for the summit. Not begun to big. So even if your self employed, remember you ve got to say for your future. If you don't save, you won't get to span now we run into that without her their ship near him all the time, the top where they cannot,

further. I can't get out, I think, as the only Aisha they ve got. Your small business is very important to keep investing. This is the Ramsay Show not only do I d thieves commit crimes related to financial fraud, but now we have to deal with home title fraud. Thieves are using your personal information to take ownership of your own, so they can take out loans, and you end up with a pile of debt and foreclosure notices. That's why Zander Insurances, the only programme I have ever recommended their plan covers all types of Idee theft

floating home title fraud. They also cover your children for free on their family plan, visit, Zander dot com or call eight hundred three five, six, forty to eighty two, it's just the smarter way to protect yourself. A sovereign Ramsay personality is Michael Holmes. Today, open phones in Tripoli, eight to five five two to five David, is in Washington Dc High David welcomed that I ran she shut her gentleman Thank you very much for taking my call what's up question my wife and I have a five twenty nine plan for our sun in the state of Virginia and he's got one and a half years left until leaving for college. We think it's Much fully funded share were only putting small amounts into it. Now, by working that may be our distribution are a little too aggressive. Now so we ve got like seventy

her son and stocks, eighteen percent in bonds, four percent in cash and we To do this kind of now. Should we back off of that a little? there now or next year or, as we had in the college, a much simpler We have in their right now. Hundred. Sixty five thousand. Ok well done congratulations as final about it's great their unfortunate. And when you say stocks, bonds and cash you're talking about you, ve got it's a mutual funds: selection you're, not an individual stocks or bonds, that's correct we have a mutual funds through american plan. Yes, yes, well, here's a Barnes have an inverse relationship, as you probably know, David to the interest rate market, so as interest rates go down. Bonds prices go up, interest rates have been

unbelievably low for an on board probably long period of time. not a lot of places. They're gonna go, but up in terms of major moves in interest rates in the next five years, ok, while you're good at school, and so wild funds are typically pitched if you read the standard for your planning riding people pitch bonds as stabilizer in a portfolio in annex did low interest rate environment. My personal fiction is that they are a d. stabilizer, because I think is interest rates took up. Those bond prices are going to go down. You'll lose your butt. as part of the portfolio and so it was supposed to be more safe than the than the stocks. I think it is in this current world personally, you do what you want, but you called our show that that that's an opinion wordpress worth what you paid for. Consequently, any bonds right now

never really use bonds. Much investing at all unless are about fond or something like that? But then the question has become too. Do you want to be in cash or do you want to be in gross doctype mutual funds for the night Torreon half a year and a half years caused both the Pisa. One he's not gonna come out for five for four years rise. Road, correct, probably gonna, stay debate on how worried you are about to stock market I'm gonna the less worried you are almost I heavy heavy heavy and in them in the meat in the gross start, mutual funds and and the little but a cash and the more worried you are the more I would be by about cash, but I dont think it's on. First decade, redirect it just a different way of thinking, two different critical thinking set to avoid Bob number, one and number two to say the least.

Represented by the market is not so substantial amounts on stocks that it's gonna drive me crazy. Well, in the mindset Deva think this year has or this past year I keep to keep going backwards here, the pen, shown us as we looked at what happened on the stock market in March and then how it rebounded and came back in our time yeah, you know for us to make sure that we remember it's. The long range view right, and I think that is that I'm gonna keep a drama wrote ride the roller coaster, long if you look at what's goin on, don't listen, what people are saying watch what's happening down, I mean on the short term. The only thing that distort Durban me for the stock market, shake more, they also just to put level a political unrest. How I agree as a short term. I mean if you believe that go on Russia's gonna led to the the nation unravelling than you'd get out of stock market completely. I dont believe that, but the stock market does not like an unpredictable world

like some predictable world. Even if it's a liberal world or conservative world right a democratic republic in it just let me know out what it is and I can predicted and when, things, are predictable, show for war springs up across the world, a geopolitical and, unlike that, Crap, going on in Washington on boats so they are right, is astronomically crazy when the cities were burning last summer right without get Two reasons are well, Greenland or anything like that start Good, unlike it right, but it's a living breathing thing is you ve told people for years and because its living breathing, it's got feelings answer the stock market, s feelings, and so the imaginative the unrest or too much this or that happens there, going to be a reflection at some point now, well, are worried. It shows a right, that's really what it comes down to it, because it will depend on what their worried about. Anyway. All that to say had I person if you if it was my kid I would

heavy and stocks are be light to none in bonds and to the extent you're worried. I would grant up my percentage in cash to the extension about the next two years of volatility, but if the thing goes down, ten percent. I would be almost maybe one of the biggest drops in twelve months in the history, the stock market. If it went down to percent, and that would be sixteen thousand hours. Then keep your kid from going to no not really playing with huge you dress, you're, not gonna, have a situation where you lose fifty percent of your money that has occurred. The two times in the entire history of the stock market, and I do not, see that item on the horizon. It could be there, but I don't see why. Let's talk real quick here about they would student education and going to college. You got a hundred sixty five thousand that you put away. He knows you start to look in state at ten thousand a year you ve covered at a state, it is twenty two thousand a year and private to wish it is around thirty. Six thousand. So you know you,

but the dollar mount the jewel of set aside David. You all have done a fantastic job are being prepared now, due to finish the job, Yes, that's what I'd say help you person make a smart decision and don't pick a school based on sports team and don't pick something based on a mass got? Let's Pickens pick something that is really responsible that you to pay cash for a year ago. Daniele is Witherspoon Indianapolis identical? How are you are you sure still holding how you very great coming up on tonight. don't say, and I have been listening to your show for a month or two now, only like your advice on a lonely payment decision, so we're getting married. This may after I graduated from college and rejoice regulating that three pointing out the graduate in that way, as I have already paid off around eight thousand dollars in federal student loans from Social fund, but I've been awarded under in the past year and my fiance will graduate college of later in December of this year and

around nine thousand dollars a barrel? Unsubsidized on that and about ten thousand of oh Jesus parent, and I would like to pay off its battle. Longer now, so that it will be a crew and more interest than before our joint answer just good opposition there a deep appears, the marriage, but he wants to wait until after you, I join in December to table wound antibodies. I think that we should bear no previous twitched over here. I felt that I've been around. For fifteen years, I love that you been intentional and that you're gonna graduate debt free. This is this impressive. Did you pay for did your parents before I feel I must needs powers five thousand dollars for the past two years ago. That may help each conflict where I'm proud of you- and I will say this amendment baby. No doubt all over this love that you ve joint. Did you listening to this love that you guys at a young age or talking about this, but

to tell you something. You know first and foremost, and I wouldn't be doing anything for his that until you guys are actually married, till he says I do and you do and we do, then you can start to have a plan together, but prior to that need to stay focused on what it is you do and he needs to come up with a plan to try to attack that before you get married after marriage. launched up. Ok, so I didn't say that, way until married in May. Will you do that either way, but you said and lay them do you pay it offered you idle December doesn't matter if you ve got Money, that's fine after merged knock, it out, don't primary concern of goddesses that he finishes with no additional. That can be ashamed to pay it off and then not have the cash for.

finish that last matter, nor in the fall. So if you got that set up and you guys want a going to start attacking it, there's not a wrong answer here. Both of these are smart choices, it's smart or be smart, but all of its terms, this is the Ramsay Shut. the lobby of resolutions on the jet free stage Lee and robs wonder whether state guy so are. You are very welcome. Welcome and you're here to do a debt free gray. More do you live enrichment? Cows averaging ups are ok outside Richmond them.

And you're dead you paid off, was how much ninety two thousand could no longer this take thirty, and your range of income during that time by two hundred and twenty five hundred thousand cool, and what kind of that was the ninety two thousand allows you're breaking up and love it? What's this house worth three hundred, but love. Erica along Youtube. Unmarried nineteen years tomorrow is just the first time you ve ever been a hundred percent that free it is wow. So tell me about it. What in the world happened you people thirteen months ago that made decide to be weird. We took my son and beyond say back through financial Peace University and we had a conversation with my sister who initially introduced us to you guys own, and then we d we knew about it.

just gave. We want to change our legacy, We know our why an dumb we just get on the same page, I'm gonna fire, but journey really started about ten years ago, when on neither one of her parents, we had financial conversations with us, so we went into it. Every car dad student loans on our kids did travel everything, even though it could afford nothing, and we got smart, and so we re finding its everything into a he like even the car, and so that allowed more monthly income. Just be more in debt, and we were just got stuck in that go go on then to help payments behind two kids don't know what we're gonna do and my sister, whose Joker she's talking centrepiece

I think, fifteen years no hundred husband and they stepped up- helped us out through a hard time and more just encouraging, and then you go through the first time. As a student and get the mesh glinda right. We just end. We waited Davis which we gave the guy was it's really hard. It was hard, but where so and then this time we are paying it forward. Sure you're, taking Her son, through, like your sister, took you through and this time you go, Wait a minute wait! Locking up to now your sisters had a lot of students in fifteen years, but she's not have one. She was proud of his. U rousing see you get choked up talking about your sister. What does she meant to you

you'll, never get answer, Gostar Cry every time she is just spent, always Morocco, my courage. So you said you had a big. Why? Why did you do this I have two children above more than my from being a mom is absolutely most important thing and out early Thirty one in twenty six will come and I want I want to be example. I wanna I wanted. someone I didn't know I want them to have a chance oh that we now have, through the help of others, to you, eyes, through the knowledge, have in the knowledge to do the right thing LEO, you find out about your way through this journey over the last eighteen months. She can be very, very determined flat,

What's going on five July, investigate all dropped off into the sea, get it right, but she's an amazing. What machine from very, very humble into watchers, she's she's, the gazelle like focus, was amazed. I wasn't gonna Personal board at first we did the Davis I was there. I was the wheel chalk. If you will you part I was the export, but once we got on the same page, it changed everything yellow have you have literally changed. Are our family? you did your heroes. Man were proud area true, but you taught us- and I am proud of your sister. The ripple effect of this. Yes, not only are you here would have paid for housing. Nineteen. of marriage and everything's paid off house, and everything never been that free before now.

Now you're change in the next generation, which is like that the hot your heart me why you do everything a Mamma, that's what I do and ass. I now they don't. They don't have a choice, and now that determination is aimed at next generation, which is amazing because the U S example for their people- that all around you they go to church with you that work with you there gonna believe that its possible right, you see, some people here this information than they think. Maybe other people can. But I can't because I didn't for money like you, I didn't come from that, but you all have proven it is possible. You brought your sister yes and her huh. Ok, what other names Heather enrich, laying a guy and look at the the supporting cast over here and not beautiful girls. My daughter, ok, so the twenty six year olds with you there, no thirty one, thirty one. I gotta backwards, the sun's twenty sites and ok cool beings. So we usually do this, but I think it appropriate that they're all up there with you, haven't love that

now, let's get him all up there I think this is a generation or family affair. I hear this is why you do this stuff. This is why you do this. And this is why Europe and attributes coordinator for fifteen years, so that you to see people like this, but what better than your own touchingly smiles on baby no longer sister. Whatever was, I don't know, but either, and pretty pretty slinking cool. Pretty amazing so proud of you guys you're heroes, dad you argue your why you're Stepan into it, it's very, very powerful, very well done. We ve got a copy, a Christmas book for every day millionaires, because that is definitely the next. after in your story, I show Your seasoned. Now you went through the hard part you gotta debt cleared off, then you go back through start train. the next family tree annually?

You gonna knock out the mortgage thirteen months later, Fomitch gown and I get a story right. Ok, so now you're you're professionals, now it does not you're, not you're, walking talking, prove it can be done and you're, not a theory right you're, real people watch this to getting out of that go off the vessel It was a hundred percent to be on the same page. When I was issued at her. I was struggle Is we once I got on the same page with our and agreed? Then it just that it's not easy by any stretch, but it was easier and that was that would be nothing. There are two percent being on Saint page and the why, unlike the wired and ate it very cool was a big deal. You got a big one like it, you gotta, where you going and why you're gone there are I it's IE and Roslin their daughter, Anne sister. And rudder and are all here, nine

two dollars paid off and thirteen months, how everything these are warrior, people making one twenty five to one thirty. There are a hundred percent done, baby, counting down Matera debt phrased three two one that's it baby. That's it if you re a good book, if you go to a good movie your friends and relatives you gotta reduce were yet another movie, but when you go to a clash of complete changes your life and you teacher for fifteen years it dont get you better than getting your sister through. That's right, I need to get a family member to here and listen and do is is a magnificent feet. Ah, I got family. Let's heard me talk

and they are not all the way in, and so you know. I then stop me from talking. Then stop me from talk on a more embracing is aware, Our drug moves- oh my god, it's funny while that's so rewarding, though? Not everybody in that pictures, winning

drastic, as you said, the ripple effect it real pushes the rams

resolving Ramsay personalities, more co host today on day were. Actually. This is common sense for your dollars, since it's called the day peremptory ship out is whether in Dallas, Texas, high airports up hello, rethinking Mccall true. What's up, how can we help So once you gotta, let me say that we learn that the county, close daughters, others that this capital recovery company had found lawsuit against me for anti dead.

We covered their teaching. Is that when we used to be a single income family and in my life through college, nor that we did it conveyed that debt even clear? It was a credit card, and so now is coming back to haunt us. After six, seven years, thanks on data saw several large farms have reached out to us, and now we can help you with this an envoy kind. To me, to see. If we just go headed, go directly with them and making arrangements they tell me you know what you can. Click this whole thing off some caution, forty five hundred or the go ahead to several months. Three thousand, but then the lawyers in the knowledge that we do not know what you have lucky. Not you hire us. We could go and settlement for less something We could be, ought to go limit a completely and it's gonna cost report hundred bucks.

Probably I grew up. She, lawyers colony. This will have on a dollar should probably for you to file bankruptcy or the other. The two hundred dollars are the common knowledge that is put them to go ahead. I'll, take care of the case He made me go ahead, you haven't you. I called you right out now hurry up thirty, Listen you a letter. How can you have it? Is there anybody rock? I shall watch the balance on the on the credit card. The credit card is forty, five hundred ok and they as in the company has already of that? Issue is already offered a subtle that for three thousand pieces you could be a sporting five hundred monthly payments. now over the next thirty thirty months. Not doing now, you could do it, but we could certainly for about thirty three thousand you have any money.

do you have any money money Now, where would you get This money we're talking about who I was thinking, these common programme to be part of the already baby steps, because we're on baby steps to paintings ass another what you're, what your household income one week like every man to talk about six Gran. After taxes, between me and my wife? Now I would not returning to the settlement of this type, its overkill, and Some of the attorney solution in your letters are not trying to work of settlement for your they're gonna file bankruptcy. For you now to be real, careful, there's a bunch of sisters in the space, so I dont think you need to What I would do is call the company back ass. I cant do three, but I can do to- and I can do that forty five days from today,

as you can do that, if you stop, that's no bony scrape up to turn that forty five days so and do what I can do to by January. The first then- loud and I'll have? How would I have to let them you're coming to that agreement. As long as you said here, The Signoria pander to grant him that you have to take the lawsuit against county because after they did but you didn't mention to me like that certainly papers as far as funding they saw this uncertain in the papers I have to reply to the county. and then someone like what I let them know, not a big male, they can lake and you can. You can enter into an agreed order. They can do that themselves if they agree to accept the two thousand tom- you need that to be an agreed order I'll. Do it quick order? you ve been so here's the thing them the most obvious working, ok, the company. doing this. This lawsuit it feels to you

This is some kind of drama lawsuit like you see, on television or something or like a court case involves criminal stuff. This is not like a lawsuit at that level. This is more like going to traffic court for a tick speeding ticket. Is it then these guys when they found this. They didn't file a single lawsuit against you that day they took box of lawsuits down there and did them at one time because they are a widget factory and are one widget out of thousands of widgets that are going after. So this is much more, it's very transactional for damage, much more like traffic court than it is. Parry Mason or Matlock or whoever rightly yes. I really really. I was right, show of that, yes, you ve never been sued and it feels very scary. And the unknown of it, feels very dramatic and very legal when I need a lawyer and all

If some I was soon, you for violence does not cause of a car wreck and an injury. Yeah get a lawyer. Ok- times, you need legal representation. I would not spending on this. If I were you, I would call them if you can settle for two thousand payment by the end of the year, and they need to end agreed order with the county gaming. Frazier, green order, agree or attack. down and reorder with account, and then they need to show that to you in writing and no you. They cannot have electronic access, your checking account, and now you are not going to disclose a bunch of financial information of them, including where you work or anything else and now you're gonna need to take a deep breath, because you're gonna need to be on the ball with this meaning writing it down. I love that you're taking notes, but you're gonna write down who you spoke with the date, the time the just the conversation like you want to keep a fool conversation log on this. If you cannot get it to come to an agreement Then you may want to spend twenty dollars an hour, an attorney to get him back under agreement for you, but make- Very, very sure this is

filing a- by signing the region's comes about, as I was in Texas, the other day driving down the road endless. bingo, yellow billboard where these two guys in suits on it- and it says the billboard is be debt free. and I thought oh, some local gas duenna to talk radio It should be pointed out that, like inspired bus or some other, that's pretty cool, and then I get a look at bill. Borders were driving and its bankruptcy attorneys but the ad doesn't say bankruptcy. It is low bay at the bottom bankruptcy attorneys. The big thing is just to Gaza suits, I M p dead, free man. Some. I also join the crusade. How some, but now they didn't, know areas, lawyers, monogram, and so this exact about the people that is so yeah I'll. Just be very careful if you do retain an attorney they are soliciting you and they are going through. The entire Bach

of lawsuits, sending them all ladders and you're just wanna write. furious is that you end up with a ten thousand dollar legal bill over three thousand all credit card gag. So just be aware out, thank you for regional body. It took courage, cause you could hear the fear and your voice, but you got steps now to be to take to be able to protect yourself? So three, You're gonna get on the phone with em come to an amount. Two thousand whatever you can come up with by the year two thousand. Or by year end, but twelve, thirty one! Ok, if that's, if you, then Secondly, you get that in writing and when you do that agreement- tell them that that needs to be an agreed order, so they stop the lawsuit until thirty one after twelve, thirty one then come after. If you don't pay it back, but you didn't follow through on the agreed order, then set step. Is it had all this has to be in writing to you and you keep up his paper, the rest of your life and then the third.

If they do not have electronic access to your checking account and do not give them any financial information when you pay them it'll be with pre, cashiers check or prepay debit card, but no access to any of your other accounts. We don't want them to know where they are or that they exist so your put, not the shields. You really are Was there good. They will ask, questions in a way that you don't feel interrogate areas that you are. You like, I have remained at this conversation is conversations about. Two thousand dollar, yes, makes us, go what I like all other questions. I don't have those that are not gonna, be answered. I deal with this. Thousand dollars and I am out of your life and you're out of my life and its in and no alike the actual from attacking gonna, be debit card or cash restrict those three steps, Great order were doing this by, and I've done thousands of those- and I am not a lawyer And I wasn't practising law when I did it. I just simply negotiated on behalf of climate.

of ours. A settlement and you're allowed to do that. For yourself, literally for someone else get are done Dave I wouldn't pay the money, let's get yourself painted into a corner and then get a lawyer to real lawyer, not a bankruptcy, protect yourself. This is the Ramsay share. This is James Child producer of the Rams issue. Did you know the Ramsay Show is one of the most popular pie. Gas in the world subscribe or followed. Today were ever listen. They

you're in a rut 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 browser live. Pale Kirsty right. You know it so easy to feel stuck. You'll live, just going through the motions, doing dishes, doing laundry carpool lines and a whole list of commitments that bring you no joy, like that Why? I want you to check out the Christie Right, so each episode will help you to build confidence in yourself and the God that created more from the rooms you work, including what Christie Right should ever you pollution, applaud. Catch hates aims, producer of the Dave Ramsay show