Familiar quarters of resolutions, progress from a dollar global studio risk is the day rampant, show where we are going to have a conversation about your life. Your money, I presume Vienna, CO hosting, would be this hours Christie right and we are looking forward to engaging with you talking to you about. What's on your mind, so we got people out, lie that so good to see real people. Looking good and smiling Christie. I'm excited to be here with you: are you

you can read it. I'm ready. I love getting to answer questions at EU because we get feisty and the combination as some tat anything tat. Your intense I'm intense you put together. This can go to your heart well to ask, and Norway is ridiculous, because her always ready to go when excited so listen, America. We want you to call us triple eight, eight to five five, two to five again, that's eighty, eight eight to five, two to five listen! I have go down a double check. The number because I get in the habit of doing my show- and I know you get the habit of doing yours where you're giving people an opportunity to be able to call an so triple eight eight to five five to survive, find on social media? Now Christie you without doubt or social media guru you all over the instagram. Hence I am, I still find it so easy you do. You are. You are much more video than me, but you have a lot of one. How can people find you at Christie? Be right? Ok, Christie, be right. Ok,

follow hurt. You can follow me actress organ three sixty and, of course you can follow. The Ramsay show at Ramsay Show so works We got a lot of things going on. I want you to send a new social questions. If you ve got a question, dealing with kind of life or death dealing with direction dealing with business or money find us on social media, sending your questions we do have. Some people have already sent a man, and I were going to the phones and take your call. So let's do that. Sweden Jamie isn't Phoenix Arizona Jamie. How can Christina help you from taking her? we currently Brandenburg Heimlich about fifty one thousand dollars a year are contrary to college, but I can offer in my dreams of California, but I would be such repute, your contract, making about twenty seven thousand a year. Is it worth the p caught? You know if it's just one,

why won't my dream, so your primary job right, no dream european you how much one thousand others salaried fifty one thousand and this dream job as you describe it. Would paying around twenty. Seven thousand is incorrect. Twenty thousand in the first year in the second year, would raise up to about twenty nine thirty. What's the dreams I miss that. Did you know those who had told her. She was that job with each other going to broadcast food boy would be an unequal o. Call. Ok May I ask you this Jamie, as we cannot talk in some of these numbers and unknown Christmas. Gonna ask about this as well. Have you looked at the cost of living costs? California is no joke. From what I hear I haven't lived in her to him you, but that's what I hear in addition to the salary cuts. We need to look at the cost of living as well. Yeah Britain I would definitely have to get a second job got your Jimmy? Is that up

Who did you notice your in Phoenix? Is there an opportune? be for you to do that or approach that in the Phoenix area, but all the more. By again, I'm sorry I found time and I've done a lot of internship here, but you do you have the move in order to credit, I'm up the ladder to promoted by the foreign invaders review. You so tell me this one. These. Were you on baby that he'll tell I have two thousand and thirty thousand bucks I do have air traffic chaos did there right. Now you got thirty thousand and student move that use recommends savings. I'm saving Owen savings. What kind of debt did you have

for? There was a lot that is deeply concerned about four thousand were ok and then I have about thirty seven thousand and stood alone. Departure. So you are this new job that they gave you an opportunity. When do you have to let them know by a week, while what you're gonna tell you, oh my god, my God probably tells me. I've been filled with people nearby. Only tell me just to wait on, but they don't understand that Europe is going to do about first arm. My God is telling me Away in maybe see if something can close Europe closer near to listen well know. That's called wisdom, young lady, You are able to step in look at this in a much different way, so many people would look this with their heart that they would say Chris,

this is the only opportunity if I don't take this, it's never gonna happen and you and I know better you, and I know that you gotta put yourself in a position to not only get there be able to do the job But it's Christie mention California they charge for air. You have to pay the grief and end up I want to tell you I like the idea, you pause in. Getting a more intentional about this debt and put yourself in a position to be able to grant that next opportunity. Well, here's the thing: the idea of the dream job sounds like a dream right now it will literally become a nightmare when you cannot make your bills and you resent your boss. You you're mad at yourself for taking the opportunity, but just like we said it's not the only opportunity, here's what I was thinking. People always tend to think in either or its this or that I like that. A combinations! I like her staying in Phoenix working on the debt, so doing the brand master thing, but doing maybe an internship are starting to like come up.

A shadow at the local new station to see what the daylight could. I could ask you to do something work, shadows, someone get some opportunities suppose you're. There may be, as you work your way into that field. Your brand ambassador thing Maybe they have an option for part time gig, where you can supplement your income still doing that. While doing a journalist work and it becomes this piecing together, in the interim, while you figure out what you gonna do verses this terrifying leap and not making any money, no you're, absolutely right, because the last, when you want to do, is get out there and be miserable right and you can provide for yourself. That's could end up being an irritation so Jamie again, I get more intentional. You ve got thirty thousand in the bank. What that means is that guess what smallest the biggest cars getting paid off today right you ve got that you need to pay that off. Then you can go down. Let's see, that's thirty thousand in the bank is going to leave you with twenty six. We need to keep a thousand and emergency phone. You got twenty five k going toward that stood That's gonna leave you with twelve gay, that's the bottom line.

I know what did some quick math, but we need to quickly put Who, in a position to be able to grab the next opportunity that comes your way, you are gonna, be fine. Keep your mind, focus start to reach out and be active in your connecting with people. As Chrissy said, you ve got an opportunity to do some stuff right in the market that Europe gain some experience. What's gonna put you out there and then keep your eyes open, but stay allergic to debt, because debt with holds it will hold your piece it with hold your your mindset, and it also can prevent you from grabbing opportunities. That's a big deal sailed. Allied Jamie we're going to send you a copy of kids, both proximity principle. I love given other people stuff away, so we're gonna send that to you, so you can learn how to connect with some other people. I listen state proved this.

Dave, Ramsay sure you got Christie right. Chris, ok, we're feisty and we can achieve all this. Is that ain't right?

hello, everyone! You are listening to the Dave, Ramsey Show on Hogan and hosting along with me as Christie right and we are excited to take your calls. Listen if you have been wondering with a wrestling with the money. Question relationship situation, business flawed, this Mccaulou's, eight hundred and eighty eight eight hundred and twenty five five hundred and twenty two five thousand eight hundred and twenty five five thousand two hundred and twenty five find us at Reims. Show we'd love to be hear from you now, speaking of which we gotta social question from an angel angel, says Christie. I want to start a business, but the one start has about. A thousand dollars start up costs. I dont have this, but I have excellent credit and I can get a personal loan from the bank but I know how you feel about death. What suggest do you have for me. I really want to do this. Yes, ok.

This question a lie and Hogan here's the thing people have an idea in their head that business debt is different from personal debt. It's not different! It's dead. It's all a idea, it's all yours that you ve paid into the day. So here's the thing a lot of times. We dream these big dreams like I've got this Cadillac version of my business my head and that's what I want to go for. What I encourage you say: hey! That's awesome for a vision for the future. Let's back out of that and figure out. What's the hunter accord, you know: what's the use carve with the baby version the low hanging fruit, the quick win that you can start with, and cash with cash that you have and then what happens, and you ve seen this a tender business coaching caress, but what happens is learning about what the market once business is a conversation with the market place as you put out your wife point a version of your idea, your product or service, you're gonna, get feedback from people, love this. We don't love. It validating your idea, you're learning a lot about what you need to do more and less of, and then as the cat. Comes in the business grows and you can put out the two point, o three point of origin. Eventually

one day, you're at the Cadillac version, but we're not gonna launch with that. Whether your car version is five thousand dollars or five hundred thousand dollars. We're not gonna take up debt to get their work at a start, small and grow slow. We're gonna, learn a lot along the way and own at every step of the way, and it's gonna keep our risks down and we're gonna have a lot more fun in the process. The island that and really also what it does. Christie is also helps to find out for people find out how serious they are about right, like what are you willing to sacrifice? Like you know, you're gonna have to give up sleep. You're gonna have to sell some stuff, you're gonna have less time with kids and less time with x or adze, but those things to find out if your seriously committed and there's a difference between being interested versus being committed? Let's go a lot. How I'm set guy says if you wait until you have success to commit you'll have either, and so you need to commit if you're going to have success, and sometimes that commitment is doing a Google search and settings some savings and doing some of the groundwork. That's not impressive and not exciting. To get to the place it.

Maybe I used always use the example the Iphone or on the Iphone eleven. Now I guess they start I found one well, you know and then to each integration has improved and changed based on consumer feedback. It it's no different for your business, even if it's a different industry, so just start small grow, slow, can avoid that debt drugs programme six or angel desert there you have it. You ve got a question. You definitely can get started, it's all a matter of taking the steps and doing it. The right way was fantastic. I'm gonna get to the phone, but before I do. I know people right now are finding themselves getting to the end of the month and having no, idea were all their money has gone and that's frustrating and its irritating and it can start to impact. All kinds of areas as you of your life and as soon as becomes. Then it's going right back out. So I think it's time to take control you dont. Have you want to be the the tills, your money where to go and win its allowed to leave. You can be in that kind of control. What you have to do is get. Tension and get on a budget? And I'm talking about every dollar every dollar will give.

An opportunity to have more control than you ever thought possible. Listen to me. Money will obey better than children. Did you know that money, sit down. If you can't go, do anything until you give permission, but what we have to do is take control. So the best way to do this is with Ramsay, plus you gotta membership. That gives you an opportunity to get plugged in with our money products, including the premium version of financial peace University? Also, the budgeting app every dollar and you're gonna be able to budget track and be able to engage more than ever. So you can give all of this a free trial. By going to ransom, today by again, never having to wonder where your money is go and all you have to do. Is this get ready to Texas word text? The word begin two, three three, seven, eight nine again text toward begin to three: three: seven, eight, nine and you can start your Ramsay plus trial today. Do it people it's a great opportunity to get connected in community, but also it gives you access to coaches and I'll talk level

about that right? Now we get to the phone we get Vivian on the line Vivian. How are you- we think we see how you both doing today, things are taking my call, sir. How can we help sure, so I am so close to them. King babies DEC two. I have read total money make over last summer I have paid off. Fourteen thousand more than that over the last twelve months, and I have thirty five hundred dollars, student loans are actually built really good to say. Yes, I want my pay authorised thirty. Five hundred, I will be that free, except for my mortgage around my question is I'm planning? moving in. I currently live in the house that I own right now, I'm putting on moving Emma my boyfriend at the end of the year. My question is: do I out the house and then use them Rental income profit to fully fund my emergency fund and then, after that, lay down the mortgage or

Do I just sell the house? I don't really have too much experience with real estate investments. I've been working out a room in the house to try and pay off this serious another that but yeah, I'm just a little lost on what to do How long have you and your boyfriend been dating. Since early this year, ounces early this year as the winds, the wedding. Well, we haven't thought about that. Yet, oh, but you ve talked about moving. Then I feel confident that decision. I would really like to just figure out what to do with the home. Do well up up up up. My concern is is that we're doing some step backwards. Video, okay, now listen to me. First and foremost, lesser hypothetical and you go hey. You know what I'm gonna. Do this the right way and we got getting gay. Marion. So you guys are getting married, is in which I can give you help then from their. What I would

We start to look at his home and say I am I in a position to be a landlord meaning if people come in and rent and they don't pay Do you have the money to make the payment on the mortgage? That's the reality! So push comes to shove, em problem. Selling the home. But again I'm not going to give up my home to go. With someone that I dont know is going to stay with me or not. So that's why I'm saying I'm encouraging you do not make it natural joint decision when there's not a joint right now right, there's not a weed as pronoun problem. There are you and there's a he, so you want to make decisions that, in the best interest of you with where you are in life and where you can be later, and I say that grisly because I've seen people that have entered into agreements with people they're not married to and they get sideways or you change, and now you ve got a business relationship with someone that you're no longer connected to at the heart that leads to a headache. Yeah

Firstly, the thought I, like you said, like I like to forecast and play out several different scenarios to see how they could potentially put out an optimist. Crests like any situation like it's gonna, be greatly. It's totally gonna be fine. Myanmar has been a very interesting discussions about that because he's like you know, he's like: let's be practical and unlike its fine, but let's say not fine. Let's say that Minos, Vivian cells, her house and then move them we're friends and then they break up and then on top of the heartbreak of the break up and big to move out. She also doesn't have somewhere to live where she was a homeowner before that point, and so just really compounds the stress really do I, like your advice of looking at different hypothetical situation, seeing how that would play out and then say: ok, I'm gonna make the best decision. I can today for me because I'm a me- and this is what I want to do, based on what's best for me, so I like that. That's good rivulet issue here that are doing just thinking through. And planning out and in again I'll, unlike what Chrissy say, and you don't want to have the mindset of best case scenario, you want to have the mindset of what's realistic right, and so

I would tell you to hold on to your home as your walking through and get yourself through the baby steps, if this relationship does get serious and does it have a ring and you got start to plan again, I wouldn't. Buying finances until you're married, and then you can start to make those joint decisions, but it's important. You know, and I want people Look, everybody, like you said, can assume the best, but you know happens when you assume right. If you don't go Let somebody I'll tell you. The bottom line is that you want to be clear and you want to make two year decisions. Here's what I mean by that. I want to make a decision today that I looked back on in two years and am glad that I made it. That requires us to have some four and some awareness yet some guidance be smart people. This

the day brands of show Lord reward? You are listening to the day. Ramsay show results have joined in studio this out with Christie Right, and I was just talking to Christie about her show the Christie Right show and I wanted to know Christy What is your show about? Is it just for women. Talk to me. You got a consequence. This is what's been fine, so you know this. I have held four years on starting a business

helping them start businesses out of something that they love and would have learned. The way is that what they might want more than a business that they love as they want a life that they love, and so we really expanded it's not so much pivoting as expanding and now I'm just helping them in other areas of their life, because what I noticed of the last couple years, Chris is women, would listen to the pod, come to the business boutique conference by my book, etc. I know what they will. What we're gonna business are you working on? You know what your idea that ought to have a business. You just help me with my goals or you help me push pass my fear or you help me. You know takes my career dream or or whatever that thing isn't, so we thought hey. Let's, let's listen to the market like we say and we're gonna to help people in more areas than just business, so we really started with the first five episodes in June being focused on helping women build com. From the inside out, focusing on their spirit their mind. Body their relationships in their resources and now we're just I'm doing deep dives on those topics were time on how to have more time how to have more energy. What is life balance? Is it possible so just real practical dated eight things

that we struggle with, and it's not just for women, even though mostly women watch and listen it things. We all struggle with. You know in the caught the busy culture that we're all in trying to get some three hundred find the shrill. Yes, it's on you too, the grizzly right shout it's a weekly show now, which is really fine and then also, of course, you can. Since the audio on podcast worthy, listened apart cast, a vote have been really find a job. To do that. Just couple questions here could be released, for women has Rachel crews banal to share with you yeah, I'm in trouble commercial right. Nobody really look at me. Has Rachel crews, on the show, yes Chris Hogan Ben Ali showed no less than you were on recently on the business boutique pied care. Has we just need to bring you back by creating to bring you back and look at you right about now? Listen Christie has energy. Tell you right now, female jump at an and being able to hear from this young lady who has of

are in her spirit and a love for people at a desire to help. You push pass, whatever standing in your way, are highly encourage you to get engaged with it and listen to the count and not just listen but apply it, and I'm proud of you. And I'm excited for the direction you're goin. I know you're gonna make an impact in here, so I really do value leader. Think I'll, listen, everybody gotta show was well you can plug in its Chris open to the christian show. We take call you can find out more about that at my website, its held an episode that I was on. Wait, wait, wait, wait, men, movement might now better leave me alone are listed reward. You calls out. There call us trip boy, eighty two to five giveth, eighty, eighty five to survive. I don't like it will understand, I'm here hear with this fireball over here Mark what rescue me, my Christy about do for you,

thank you for taking my call had retired yesterday after thirty year, career all regulations. Thank you no I'm better than I deserve our promises. This morning, some numbered by you and this confirm what feel that were confident reached. Ok, there were dead, three supper home. Ok we owe sixty nine thousand men and we probably have a hundred and fifty thousand dollars equity in it. The guy I have a young kay that as five hundred thirty five thousand. I'm an area that has turned forty thousand minute receiver annual paint Of course, there were fifty for that five hundred a year and my wife for one can't far away.

One has over six hundred and fifty thousand dollars in it. In will continue to work for another, for years and hurrying your salaries over solely down. Ok, we continue to work, how much longer problem after four years of work. What what net worth ballpark. Just give me a rough knows what one point: one million you're actually more, not my friend you are everyday millionaires and you are yes, sir. You are bad without a shadow of a doubt. Only Owen, sixty nine thousand dollars left on your mortgage. You all He rowing in on that and being very intentions you're going to be more than ok, yeah you're gonna drive my friend. I appreciate that These are my right, John. Great. I needed some copper

now, but listen to me. I understand, and I want you to do something I want you to you'll connect with smart rest or pro just you and your wife together to go when it sit down have them look over things to figure out. Are there some minor tweaks, because small tweaks can lead to big gains? You just need to have some right kind of eyes mark. I need to know too Frank Lady over years. Go ask you here: what are you Do now that you ve retired beneath that question I will turn to my responses. Whatever I want go, get your eyebrows, your boyfriend, gratulation on being everyday millionaires and sacrifices. You know Christie. I tell people, you know up when you return you don't wanna leave to go, do nothing right. I think it's important to retire and go towards something, and that might be more mission. Trips, Morgan,

being more hang it out, but you need to have a plan yet and I think one of the cool things as once you ve passed that major milestone in your life. You have of a blanks you have so many options that you can your life and look at this next season in this next chapter, with a fresh perspective that you don't have before. As you are finishing, you know that things, and now you can go hey what don't work at it I do not want to work moved the beach. What we don't want. What does that look like, but I love that because you're gonna wanna get into something Anna and that's the refund, to think about what all options you have? No- and you definitely have options and options- are a good thing you all. I want you to send your questions into us at Ramsay. Show you can hunt down Christie on social media at Christie, be right and you can find her own Youtube at Christie right. You can find acrid Chris three Sixty year a question in social media? For me with, Simon on this is from Aden from you too. Because do you consider on a contract with your cell phone company, a form of debt we basically o them are based,

this for two years, I don't like being locked into their contract. Ok, aidance! So you you're you're on what the cell phone company you ve got enough we right, and so you have. You have a service provider this thing, would be like with a cable bill right. You ve got us cable provider so necessarily looking at this, no I'm not counting that ass quote on quote a debt. It's a service right that you have now if you financed your phone make a payment of thirteen dollars a month for the next seventeen years. Then yes, I would call that a form of debt, but you can your service provider to another provider at any point in time, so yeah buddy, don't don't be too concerned about that, be more focused on hey. What am I

options as I'm informer untruths about this, though- and I M really asking you this Hogan, because I've heard that the way some cell phone companies are set up now with the phones that they force you to finance it that you can't buy like an Iphone, for example, outright, whatever it costs a thousand whenever that you actually bait, they put. You want a payment. Why are the phone? So I'm curious about that now. I would want to look into that, because I've heard they ve been kind of changing drug unit, and how they get you with these introductory offers. Are you coming over with no money down or they'll get you out of your existing contract had come to them. Yeah, I'm not financing a phone. Let me do you you get into that situation than yes, you do have a debt, because you have an item that you're making a payment for so yeah I would encourage you to avoid that. Like the plague phone that finance about here's, the thing people don't know how to count like the interest rates that that go into that where they have

fourteen fifteen seventeen percent and it's ridiculous out. Yeah know I'd, go back to a platform for Chris Nor put phone. I do want to add a pink razor you're, a millennium. I had a pink razor. Did you really have wept? Maybe you do well arduous.

Two Christine our coming back. This is the day Ramses

fellow everyone you are listening to the neighbouring regions have resulted in hosting along with me. This hours, Christie right and I need to give a shout out to the ramsay- show you two group this this group is on fire. They do a fantastic job if you're not joined in and not following the Ramses Roland Youtube you should get over there. There is great group of people on here that have feisty conversations. They were getting on me about other the cell phone situation, but again it's all a matter of being plugged in that's what we're about, and I we find. That life is not meant to be done alone, and so, if you find self launder. So many groups you can plug into whether its Ramsay plus we have an opportunity to be in the community. There's a Ramsay baby step community that you can again- and I haven't everyday millionaire Facebook group that you can plug into an christie- has a business boutique community that you can

into soldiers, always groups and ways you can feel connected. Even during this code situation where people of fuel were isolated right now, more than ever, and we gotta be in touch about our connection these days, you think it's all those things to where you can feel stock and it because its familiar, you just say start knowing well, this is just as good as it gets. This is how it's always gonna be. Why just live with these problems. I accept these problems. Are you now deal with these problems, but it's like there's thirst things. You can do it's like joining Ramsay, plus joining Wendy Space, but groups reading Toto many make over. You know, listening to your show that one small thing can make us huge impact. It can truly change the trajectory of her life and then you look like a. Why not do that sooner did I could be the day taken me the day that you do something that literally changes your life. Don't just list the car listen on the treadmill. Listen on a run outside actually do something What your hearing? It's? What you do that it's gonna come

tell people that other tankers like it's, not the thought that counts who made that up. Is that no one brag about what their husband thought by them it's what they actually do. You actually do that down low down. Just listen! Do somethin about here why Christie gets fired even more they're, beautiful p are there in the audience that are watching us and the Ladys all nodding their head. Yes, giving her conference so she's getting more feisty. You are correct, it's not just the thought you have to act on it ok, but he didn't. I thought, that's what you actually do. They encountered a simple water. What have you got a remit cup? lines now we're gonna see on the line here. Let's see here c c will tell us what you Harry person I could say thank you taking my call high sir I'm through currently working in the income position amicable,

in about a month for that, but more pay check it out and I wanna know, should I take my day, then an inverse good installed, trading, the worry works exchange market, k to start trading in what again? mark and strange and carry things. Yes, ok, so why? You interested in this as a possible career the one of my friend to I mean he knows how to make money like she just make money anywhere. He started trading and he's been posting like his that he can make a thousand dollars a week, an arm. I've been really like inspired by watching him globally, and I want to know if I should take their as a possible opportunity, make you no additional income for my job and I have now you are going end up there.

So this training that you would pay for? How much is the training In thirty five dollars to start training and fifty dollars about a constantly to start, best thing in your life account and are you paying a company? Are you paying your friend. I'm paying the company is jumping on yeah, I'm a cannon They got you. So I tell me Where were you want a baby steps? Easy. So I want to make another setback one currently, one again. And what is your household income right now in this job?. Right now about thirty five, and so what this trading thing? What What are you excited about with it. Just have another scream of income honestly, our eyes page after page. Your word

to be able to make money. While I'm sleep, that's all No doubt he can take any minor when they see how old are you I'm twenty two, listen to me: listen here. First of all this trading thing it Idiot say. How would I call it? A mirage. You'll have people that will brag about how much money they're making how well it's going, what they don't talk about the losses. I would tell you this if you're interested in financial world there are many other avenues for you to go that are gonna cost money, but you can make money that makes sense. That's? What I would do as I'm hesitant of this, because it sounds like a get rich, quick scheme. Yes, it s, it really does

those things are on late at night and in and it sounds easy because it's just two hundred and seven dollars initially and then fifty dollars at this and that the next thing you know I've worked with people that have tried it their fifteen hundred to two thousand dollars in it within a couple of months the sound of it. Ok, I like the idea of you, as a young lady, being intentional and on a career path about of moving forward. So I would want you to do this and Christine I want you to try man I'd much. Rather, you dust off your Razumihin start to reach out to people that you know and leapt No, that hey, I am looking for career or job change. This is what I'm looking for push it out there. You need something what some stability, so you can start to move forward and yeah. I dont know enough about this company or this opportunity to be able to speak to the details. But I'll tell you. Everything in me is just go one off red flags like everything What you said to me? So you see is like no! No! No. If it sounds too good to be true to us, because it is and most

I know that are making really good money in investments are posted about it on Facebook. Only that that, like you're in a legit financial industry, You'Re- probably not bragging about it and Facebook post each week, so I dont know the company s. I can't say definitely this, but Everything- and we felt my gut is this- doesn't fell right out totally your advice, while that of ice also concerned, like one of those pyramid scare, you gotta bring people live, and if you do you grow and I'll tell you that those things I want you to get your teeth in a career. That's gonna have a trajectory for you and again you are young. You ve got opportunity what you want to do a start to plug in build your networks, build your men tours and really start to look at something. That's got a path for you, but if it's a get rich quick, I'm gonna tell you right now, there's red flags. I agree with Christie. Those led to headache and heartache. You don't want it. I don't want it. Ok, let's, let's get here, we got Dave on the line out of Wisconsin Dave. How are you doing

I'm a joint show. What thank you, sir? How can we help yeah, I'm and thirty? Three I make eighty thousand dollars a year. I have a hundred thirty thousand dollars and student loans bye, bye retirement. Right now I got over eighty five thousand dollars on the floor. One key, but I also have this twenty five thousand dollars in an employee stock purchased plan, and I'm wondering if now is a good time to take the employees that body and put it I stood alone? Ok, yeah! Now with it. It's all better gonna be a matter of opposite as the price right of that of when it vested in it all vested. It's all yours right now, about half of it is my turn. Ok with it. What I who is reach out to one of our doors, local provider, tax professionals, so they can run.

Numbers on hey when you were gifted this and the value of it. If you were to sell this is what would be it is income so that what impact your taxes, so that's the big thing in my mind, the matter of. Are you ready for that? And can you afford that tax hit? But I like the idea of taking any kind of non retirement, investing and use the toward debt? So yes, I definitely would go that route and attack that because its non retirement, this with this was in the form of an eye array or for one day for three b or something like that and absolutely not I'm gonna tell you don't touch that, but employee start without a doubt. You can totally do that and through a toward the debt, what I would do again meet with the taxi Opie find out what that's gonna be understand. How much money is coming to you and the a that that money hit your account. I want you to do it immediately right, a Czech toward the student loans, don't let it hang out there because, if it does is

clearly, we got balls in restaurants and things of that nature. I listen. I'm going to achieve this target we may need to let us more time all the specific. On Fridays, we're extra right, I mean you're fantastic, get what I want to pay Chrissy right for taking the time to join me. I want to thank all of you offer tuning in, and this has been the day Shown Hey guys Kelly says you producers that Abraham Seashell did you know over sixteen million people listen to the day. Remsen show every week in a lot of those people, listen to one of our six hundred plus radio stations across the country to find station near you hesitate, Ramsay, DOT, com, slash

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