From the headquarters of Ramses solutions. Broadcasting from the dollar governmental studios gets the day. Ramses we're dead is down gauges. King in the bay of mortgage has taken the place of the Bmw as the status symbol of choice. I M D Ramsay, your host Doktor John, the lonely, Ramsay personality best selling author is Michael Ocean. He talks to folks about all things: mental health, whether its relationships and boundaries, crazy relatives a crazy looking at you and Morocco wherever it as you can help you with it here and of course we will help you with your money.

You have in your life as well. So it's always a good time with Doktor, John or any open phones, a triple eight eight to five five, two to five: that's triple eight, eight to five. Five to two five Kelly's gonna start off this hour in Dallas, Texas, gaily, our you. During the day I am better than I deserve. How can I help our two part question now on how to pay out how to pay back or emergency fund. We a thousand dollars a month, understood We had to use one hundred dollars recently of our emergency funds to pay for a car problem. Wondering if it makes more to you, MR about Mars this month, to pay back I'm immediately or if we should do this, My personal view that in the next few months to pay back fully for not giving a month opinion you're talkin about eurobonds. Up one one thousand dollar account yeah, ok,

you gotta stop paying on down until you rebuild that have used it for the same reason we wanted at their money. For the same reason, you wanted it there to start your baby steps. You wanted there to continue your baby steps right, Goodness you have not there when that little man on a dollar bill came up or be new downright right, so that You want to stop everything, go back to baby step, one vanish it and then go back to baby step to again get your get you a fresh start file. You guys doing we're doing right. We ve paid off about eleven thousand dollars in the past few months, very good household income about forty one thousand mocha, very good. Actual was at super rust or was it one of those that yeah, of course its frustrating but was come on man. We're got such good momentum or June. Miss while each other say my gown

the early so depressed. They started going asked whether we can just paid off this month and keep Goin cylinder the great attitude man good for you. That's awesome, that's perfect than that The way you if you get, his ideas on these principles that we talk about in the rhythm of your life instead of being like white knuckles and for and that's what you're doing it you're just this is a rhythm which had a prayer thanks thanks money. Thank you got the money. Was there like a guy? the morning when the money back and thank God that way go on an ex ante God. All here we go. You know I mean that's! That's like that's kind of a rhythm too that I have heard people when they call in and they got a thousand emergency fund than the thing happens in it. They throw up there ends as though the cosmos is against him in a row. We don't know, that's the point. right is for well? That's good, I do you Cayley bore! Well,

Julie is in Denver, high Julie, how're, you Highgate thinking for taking my car sure. What's up, I'm I had a question about being for I have a cap for humanity, house cool and we are seeking count we're on baby step to it, sounds like a sweet deal, but I'm not sure it's a great idea, but I wanted to see what you thought about it: you fucked. Different chapters have different terms that the union's for the process, and so How does your chapter work? I'm! Not! A hundred per cent sure were still in the early I'm interviewing process and we are being considered. I'm wonder. If it's a like, if we got into the house, the payment would be about six hundred a month would lose eight national they're, not giving you

ouch free unclear there, giving your house that has a dead against it, correct a hundred and sixty thousand mortgage. Ok and what is the benefit of it being a habitat house that What do you mean? I'm sorry, you could go, buy a house for her sick to down are mortgage without habitat right. So why abba tat? What are they giving you opportunity is waiting. feel fight, because the market in our area for a house, this five would be near three hundred ok. So it's half off it have not sure if you actually gain equity and ever have the chance to sell. Yeah some of em, don't and that's why he had learned the terms? Ok and some of them, you you get the home but an if there's any there's all kind of wacky stuff on the default and

Things are in that the programmes are meant to be a blessing, but what their pushing the reason they build. Some of these, I guess weird terms in Turkey. the payment planet into the mortgage and into the sale and so forth. Is I've had a recidivism problem, live, have people get into the homes and fail yet and so like a lot of em. So that's how we ve got an invite just album or not? I handle money so when they get a free out seraph. All files, or whatever they end up going by six big screens. best, buy on migration, with caution and end up losing their house. In that gonna crap has happened to me with habitat. Habitat is a wonderful organization and they do not really really good work, but they're just Rhonda People's behalf years have to change? It became a free house, though screwed I write, a minor behaviors, don't change and so that in future trying to not be unable they're trying to be real helpers and other their spare

good, I'm an eminent of habitat. We ve done a lot of work with them through financial patient Over the years we ve worked here and on the national community very closely with them, but again they eat you need to learn the nuances of the terms. I mean terms as in definitions. I mean what are that the term, but what is the restrictions on? equity and the sale, and what is the pay back in You refinance, lighter and not be in there and you could get. You could get a stock in summer, deals and again there well meaning, but they dont. But if work out. Well, it's not as well. A blessing as it sounds like sometimes depending on how they put the the process together. Cousin limit the sale are they want some, the equity back? If you do so or if you refinance you, you know you gotta refinanced, through the portion of the equity that they gave. You they can move on to the rest of the houses and build them, and it's just its. It gets real complex

so dig in there and learn what you're getting into your very wise. To ask a lot of questions and make sure that that the blessing is not so mixed, no one mixed blessing. I didn't know I did I'm learning public thinks that they just gave him a free house at right and they don't and there's a lot. Hardly understood our name, accordingly. Now it so we can get a free house in flippant sellen now, there's gonna be all kinds of caps and restrictions now should yeah, there's a purposes to give someone that doesn't have a home home, an end a third of homeownership, it's not to make new not to be, cable tv engulf left. The house was due habitat, whew NOS three enough have I'm having so it's it's gonna, but I've had people's trotter scanned the system and I got up they gotta put some protect absolutely s either not bad people, but you need to You need a really know what you sign up, for. I am a smart to do that in and so

you can decide if it's right for your situation, Doktor John Bologna Ramsay Personality, my co today. This is that Dave. Ramsey show. I heard a statistic region, The absolutely blew my mind in the: U S alone, over three thousand people die every day without life insurance. What are people thinking understand how taking care of your family isn't a top priority use the new year as a reason to do something right like protecting your family

life insurance or something that every family needs its not complicated. It's not expensive and Zander Insurance is the only place. I recommend gotTa Zander dot com or call them at eight hundred three five. Six, forty to eighty two, that's zander dot com. Not drown. The lonely Ramsay personality is my colleague over today. Open phones for polite eight to five. Five two to five tax season is upon us. Try to contain your excitement, no one likes to in taxes, especially after a year like twenty twenty, no one extra taxes

it's a hassle to begin with, and then you get to give money to the government, which is always a fun things, are so efficient with it. And then you get free time software tools, which gets you knew deep into the filing process and a sucker punch you without on fees, credit card pitches, opportunity to financial refund at rates that would make a day, Lindore Blush hoof. you find ensure for an iron days before you. You going to get your refund instantly and then they then the or sign your refund in it pays off your loan. You know quickly? The Irish would have century refund and they jack you who it's like? What but by using these things online, where you can buy shirt and pay for it, a month or somethin, yes, It's the same thing! If you actually get up the interest rates on that crap, like eight hundred percent, I mean it no banal, but why just re now, paying a few dollars to get my money early, because your child, your child, who cannot delay pleasure you're getting killed, you're getting sucked into

people. There is a better way to do it. empty smart tax, our teams brand new tax. Software will help you file with confidence with Ramses our tax, you get up front pricing, or deal by the white trash seventeen dollars no tricks ever premium for thirty eight dollars, I mean it's pretty and gradual get ready. Axis guerrilla frustration. Don't get ripped off, don't get sucked in tax to the word tax to three three seven nine Ramsay, smart tax text tax to three three seven, nine Zack is in Charlotte Zack. Welcome to the diver, show they re doing better than we deserve man. What's up in your world, I need a little bit of help. I'm trying to figure out how to set boundaries with my roommates, who are very irresponsible with money and I know that eventually you Bobby Tommy disbelieve by the

issue I have is my wife: does it will not allow it at them? I'm trying to deal with our marriage gambling, but until I can get that solves, I need to figure out how to set the boundaries of the I don't have to keep going. It alone will not allow you to leave you're, irresponsible roommates. Is that what you just said Ok, so watch her walk me through wife, plus roommates yeah. That's to start with. I am already confused. what The Vienna we is her best friend of since they were kid. We live with her and her husband and because of that particular relationship dynamic, she does not want to leave the same household. I'm fine. What do you think the citadel of these people, but well, in the same house. They can make an irresponsible decisions with money. I keep having to clean up the mess and I'm getting sick and tired of how does your hand up living with them. Just like her

a commune deal have sheep, chicken, Sweden, on the other, What happened was so what happened, much MRS Breyer, back into the white twenty eight and started twenty nineteen, my wife and I almost separated as I real issues, guy that's prize, but then you guys thought you might know. What can you I know it can help we gotta get roommates, Now you may she moved in the June movement with Edward. She moved in with them. Kind of both. What happened was asked. Approaching when we get back together and to say we're, gonna, try and work things out. A friend of mine me while we try moving out and our Caroline was that we live in a cholera at the time of the separation, How we live then had a lot of toxic people. That was part of the issue. I am

don't try to get her to some good counselor. That would help her out because the council in our area are not very good we moved out there and then through the financial, strength, Pre Dave. the pandemic and stuff we were able. Get our own pleased or better. situation in a kind of all too, where she just doesn't want to leave at all. As you want Did you have always you wants to limit these people for the rest of their lives like we get out the other stuff like that, but irresponsibility, that's not gonna work, so Zack you're your marriage is in trouble and you know that right If I'd know that looking so left an unhappy about it? I'm not happy that's right now, so do you, There are two separate things your one is to answer your question: do you have legal responsibilities to clean the mess up of these roommates, meaning

Did you tell the police in their did? Ok, then, to set the boundaries their stop spin, your money to clean up their financial masses I wish there was a more complex way to do that you to sit down and say from this point forward not bailing out the home? For you, part of fill in the blank bill rant etc. What is that actual arrangement. You live there, you paying, are legit if, as we go, fifty fifty on the Rhine and the bill, the stuff he is right now, one of the There has been another couple he is currently. Employed and were waiting to get a new social security guards and get a new job. Somebody stole his wallet a few months ago. I am willing to fight We ve been trying to replace it, he ate and framework because of the virus we want.

I say we because I did shell out if he likes to help him. You have been getting closer to forget, so you can get it while awaiting until you ve felt what'd you. What does your income like what do I do for a living here? What do you make a year? Roughly thirty, eight K. What about your wife too? She work. No, she awoke children. There are none better than she had a daughter, but you gotta nor customers. So why does she not work, He got really that social and lady and that problems and I feel that they have another with the matter. She can't or she won't Turkey argon, assign them trying to kid or in the council, and so they feel free to Bobby upside the head here at this point Zack

but my wife, no one, thirty days, I'm gonna move out. It's not a helpful is not a safe play. For your relationship. It's not a good funding. Arrangement you run in a household of four thirty thousand dollar income and you're married deteriorating. Underneath you and she's told you point blank, I'm not leaving. and so in a way she is separating from you by staying, put and it somewhat. You ve got to take care of what you and take care of which is you I would, you feel free to decide the article one bedroom apartment and This is where I'm gonna move, and I hope you will join me here- where my money is gonna, be this is where Our care is gonna, be and then at some point you have to stop blaming every cortical mental health problem- No in your area- and that means We tell you guys, have tough yacht didn't feel like hearing, but you can to go, get some some help on your own, whether from a good pastor from a council in your area, You got to work in a new man, but it somehow

the fantasy of this age, just gonna roll back out, and it's going to be good you're choosing to live with her friend and has husband her husband over you and that's just a reality Some point you gotta kill! fantasy and start living in the reality of you cannot make some plants in decisions. You need to shut down the marriage counselor to guide you through how to phrase this in a way that is hopefully healing and hopefully would lead her to go with you. You need to leave, because let me just show you meet Rente what I heard. Ok, my wife would live with these people, the rest of our lives. I heard you say that now that's either drum overdrawn moderation, hyperbole or just weird just

right up strange, so someone's gotTa Gore she's done with you and she's not going to make our battle that maybe the message that maybe the message- and I don't know you ve- got more two guys in this country more high on marriage than they re. We, both hi hi on marriage. this is a situation that you ve got to stop protect himself and she's. You're gonna get out as sorry that solar panel, really a man, is the day. Ramsay show you ve got a lot on your plate, a job, your home,

your marriage and your growing family. While you are enjoying the present, you can't help but think about your future and your finances as you explore your options. Consider christian healthcare ministries or c h m for your health care their generous maternity programme. A budget friendly monthly programmes have been a blessing to members welcoming children into their families. Visit C h, ministries, DOT, Org, slash budget to see, if its right for you that c h, ministries, DOT, Org, slash budget, not withdraw the lonely rooms. You personalities, Michael vote today. I M Dave, ran through your host in the lobby of Ramsay solutions on the world stage, Daniel and lorry, or whether say guys. How are you better than we deserve a love? What are you guys? Live Dayton Tennessee, oh yeah,

very fond re Dounia or I will good to have. You got a welcome and com debt, have you to play off. We paid off two hundred fifty seventh dollars, while longer that its along it was a long time coming by two years, and three months to and they re not a new range of income during that two years we make about. In ten thousand and our salaries and with our air begin, be an extra jobs we made about thirty thousand on top of that each year, Loca very coup. What do you do for living? We're both professors? I'm a business professor. and I'm a math professor. I teach online and stay home with the kids what school. There are forgotten Brian call. It yeah yeah, classic lotta history. There very cool bury me so two hundred and fifty seven thousands at your home page

we're weird where professors I'm going to say, I know professors and there are pulling the tune of fifty cents. Thousand dollars she almost to work for a season right, but this is really like. Fifteen years we ve been working towards this. So I join houses. We moved up here from Orlando's what helped to go from that real estate market here pay cash for house bought a dream, a lot on the built a dream home on the lake sold the house that we owned outright use that paid on the mortgage and inward alot dumb and show your living on the lake we, on the lake was ethnic, a Chickamauga, Magua yeah. Ok are yeah beautiful area, so jealous. That's all you guys three, we are yeah, that's So what started you on this journey to beers three months ago, that is when we started building house the dream,

So that's what we just paid off, but we have been your fans for twenty years. Well, can we ve talked to you on the air a couple times you sent us? You gave us, tickets to alive of that in Orlando, allow our sun has done foundations of personal finance and while we're just your fans than we live your way, basically our whole Yes, that's fair, because we are friends of you got here as well hold on, though you're a business. Professor, your way, smarter than all of this right, You know what he is an over your overstating intelligence and yes, I did not mean, I know a math professor could get it gives you can do man right, that's easy, but I was more of the nerve. I like this spreadsheets and I would put the money you know we had this thermometer thing out, fill it in every man than it was just so exciting to see an m. Others do you got sharing your classrooms of your life. I get ashore early often actually teach your personal finance class and I get too sure.

Some of my milestones it is nice to have to build a sure that in the classroom whereat causes I haven't really shared it. You don't have to serious this curious, etc. Very well done you guys how's. It feel them no payments in the world. It's amazing yeah, it's it's like ATLAS, took the globe off just walking around. Now it fills wonderful like it. It gives us thus free to do things, fun things, but also- and so we have an urban be. It leaves us free to bless other people with that without thinking that we need the income from it. So I'm a couple families, even we did this at the very last day of twenty twenty. So even a couple of families and twenty twenty one have needed a place to stay and we were able to say we have a place they'll without we didn't within need the money,

The refrain that suddenly you guys are amazing, so proud of you. I don't think you well man well done older. You too, I'm forty foreign she's, like twenty years, yeah forty one and you mentioned yet little ones at home. He got home you're, not so little anymore, our sons, anus sixteen and our daughter Sophia's. Thirteen look at you got that And so what are you tell people the key to getting out of debt is regulating your lifestyle, just dialing it down making choices purposeful yeah, I was gonna stay the same spending their money on purpose, deciding what's important to you. We, like we shop, a good will and our cars are super old and we have you no old,

phones and we eat gum by the half, stick to make him last. These things are important to us that silly, but will also drop a hundred dollars on pieces for the church use group because that's important to us. So we decide what we want to spend our money on end and do that, for you not just completely troops good now drifted with her That's right! I like that live like no one. I also later we can LEO Vand, give that's right like no one else, two or three pieces of generosity already in the story: ass, obvious you're, living with an open hand, I'm so proud of you what God has blessed ass ends, and now we get to use as blessings even more for him and for others. So that is so powerful, so well done. Well done well done. World can just

I'm a nerd too so February? Edna, that's right since February, one rolls over. You got out your budget to pay your bills and ya had exhale for a second, because there was no mortgage descent right walk. What is that you said ATLAS took the globe off drill that down for me what they feel like well and for the first time we're like you, we could. We ve never taken her family snow scheme like as a family with like hungarian friends house into a little scheme, the warlike hey. We could drop a thousand dollars and go snow scheme like we ve, never even thought about something like that before it's like, because that was life than our mortgage payment right allows, only earn with we really like every month. No gentleman here are starting to think about just doing things differently now getting a better car, maybe it

you're so expensive, impersonal right, my flower, early and yeah- that's not really important. Otherwise, there will run into the ground there's only two hundred thousand miles and my Toyota, for none of them had been southward. I'm just getting started, love a man. How exciting you guys are so fond of so proud of you. I got a copy Chris Organs book for you every day, millionaires funding. There is no question that that's the direction go. What's this house worth lowers mid for me? Maybe five Look at you you're! So then, so great well done Daniel Lorry. We are big fans of you, Guys Chattanooga Tennessee area actually county: we need to be specific area Dayton, Tennessee too You started badly paid off in two years and three months, Megan want in up to one forty without a sad vessels, Canada, Zira debt. For each group, three two one

Well, never gets all love. It now other history on the whole, they know so brand college. If I remember correctly, maybe get corrected on twitter is always do, but if our members, William Jennings Brian who was the famous orator and barrister attorney, scalps mucky, draw Ok I'll held indictment earnestly regularly. Thus the brine college ends up being there. I'm pretty sure, that's the origin of Brown college. Isn't right, I'm get them. from that. We look at them. Look at me when I do see history love. It is very worrying

Ray counties, beautiful area to we're it's really amidst picturesque, and this other there there, like house, is just ass. If you listen to this in California, New York, usernames here should be salivating. Four hundred thousand are like us, think ten million dollars right that areas, so beautiful wonderful wound is lucky, so they move from Orlando and I get lot the quality real estate. ices or less great deal greatly on a family. Buried alive and raise a family. I mean it's just its! That's that's good! That's got country rather think that moment there You know you excited, you pay the less payment everybody's x. You know you're high five, each other hugging, all that kid's, wherein they have little pomeranian dog, run around Europe and so good, but it's real until you sit down that x must pay your bills, and then you go over that much monies in the account yeah, it's not going

Dublin you want to do and it's like my most powerful wealth building tool. It turns out as my income and then you think, he's gonna come next month in the month. After that I saw a great social measure. What need people? That's all such a powerful story. Very well done. You guys very well done the diver amnesia,

John Deloney Ramsay personality is Michael Holmes host today, open phones at eight hundred and five eight, eight hundred and twenty five five thousand two hundred and twenty five. then came about love the rural area, South Jackson, Mississippi, but that's ok. I I do appreciate opportunity to be on the show and posts in the sea waken up Small, bless them that we're going the right way, ok, I'm gonna help. They work my wife, and I should see the big money person in my mother. She handles everything, I'm not not much on that, but but anyway we ve met.

Her home place for years and have always wanted to have something over there. But to you to go with me, little seven hundred square foot, nineteen, forty eight house from the county, did over there get a lot of work. To get it. we re model, then they all back up and everything a cautionary on this rural area, them best bill, They are let that I want to be paid every week. Structural. I was out of the way the way our house was paid out for used a lot to do it not approved for a certain amount, because we, other monies. We did not not use the whole. He lock him all, but always wanted. This applies to stand on its own. Dear and so is sitting there. Basically free and player Lock is always there. We got a much luck. We got a prince four hundred shift, nor how my only you got it you are you

I envy you were just wait, just through their misspent ninety thousand dollars on seven hundred square foot house. Will we have built a flying start old age, And now you add one thousand square feet to it. Now How do you mind be thousand dollars on seven hundred feet? When you, when you're starting from Square one, now wait now, we have to add yet because seven hundred. We had no utility room, we had none. None of that manages to it. So we have to build onto it somewhat, whereby it wasn't just as little house and the land worth nowadays work for this. They look to be about a hundred eighty thousand with the acreage Scott. What's the acreage worth bakers by sales, probable by sixty, ok.

Part, so you have a hundred and a hundred and eighty thousand dollar property that is paid for in your own. Ninety thousand extra on yours, and what is your first mortgage balance? First more, We didn't have a mortgage, Ireland. I saw nothing at a mortgage except the only mortgage you have as its ninety thousand already lock, yes, Gaia again and so its shipment about seventy seven at some point. Five percent now They were trying to do with this house and all them by the by different banks have talked her credit unions. Mister best we're gonna be able to do as a cash out on it about three point: seven Our task is to do that, but it out hey lot? Whenever little remaining balances there we'll pay there then make sure we got the subtle house called. its own day at three points?

Taiwan is a song tat, your dad was it after beyond than elsewhere beyond your, I don't want it. I wanted I really don't want to know my primary what does it matter because we're here These rights are not our own, your personal home on the he'll get rid of the hay lock and get you on first mortgage on your personal residence? you show. Your household income is household income that one twenty ok, so what I want I'm a but ninety thousand dollars on five years, fixed rate, no closing cash on your home at the credit union. At two point: nine no closing caused fix, Right, five years at two point, nine or less credit union won't do that, go to different credit. Gonna go to your local bank. Somebody I'll do that deal because you got tons of equity in both properties. Leave the little House stand of regular it doesnt matter which mortgage the houses on because you're gonna pay it. very short order anyway, if you're smart, but in fact you oughta be dead

in two years, you can't just that you just pay it off in two years and the largest, I guess I'm fixated on the central right. Well, don't make it does something. I wanted to be fixated on. Ninety thousand going away gotcha. That's true! We are forty five a year for two years now Yoni Yum, but but do in a first mortgage version. Here's! What we're trying to do on if you want to get a lower interest rate during that two years on Your lot note, like I just said: do it on you national residents, because you're gonna get a lower and lower rates and you're gonna get on a non owner. Occupied gazettes watch three: seven: five, because not occupied you're right. It's a secondary, prob and you can get your local credit union- do that. The lesson here run. numbers on this guy. The difference in seven and three would say two point: nine is four percent: on ninety thousand away? We don't have ninety thousand. We have forty five after a year away, so the

really only paying just a hand dollars to keep the he lock in place. If you get your button gear and yet despite often two years And so the actual nominal dollars that the interest rate is creating, the real dollar amount is not enough to buy a biscuit. Hardly in his sounds like the this. The need to get this property over road? That is good, I am doubtful and now that we wouldn't did it, it's not make anybody feel any better. now it reaches beyond my ninety thousand dollars, and we had everything freeing clear before we did that and journalism at such a what we're discussing here is you refinancing this? You might save eighteen hundred dollars if you paid off into your it's an eighteen hundred dollar problem words. gushing and has not worthy anxiety or feeling over it madame. So, if you want up, if you want financing over a five year, fixed rate, three percent,

under no closing cash, no closing costs must be fixed rate, no balloon for the amateur rousing on five years, no prepayment penalty. With your credit, they'll. Do that deal you have to lean on, but they'll do that deal, that's a good deal for them and they folio that lonely hold it in their portfolio that longer work and that will If you eighteen hundred dollars over two years, approximately maybe closer to two thousand and that's worth a trip to the bankrupt- was probably worth doing. But it's not your problem right Europe is a year. I think you use the right word fixated on the infrastructure fixated on the wrong things be fixed It is on kicking ninety Graham's, but get out of your life and next time you start a project like begin with the end in mind, because you have way overdone the little house well way, overdone Morceau Dave you mortgage, your home network is to place where your family life

for one seven hundred square foot over. Overdone did you spend ninety grant me run out. That's a thousand dollars was clarified, so we just spanish things, go the golden Sport, oh my god, and you can, in southern Mississippi. Four thousand years of it. I tell you what I mean by most of Southern Mississippi yard. Ass now go a long way. Show yeah combats begin with the end in mind on projects set better budgets on them. They give you more. Noble returns, but you know whatever mesh major certainly can be cleaned up and the fastest way to fix. This is to pay it off the fastest way possible, open volumes triple eight eight to five. Five. Two to five: you gonna jump in we'll talk about your life and your money. So back up what what I have done, if I woke up in issues again, Mama's all home place over here, more perplexed.

I make a hundred twenty thousand year our current rules, and has no mortgage or would it you save up and you pay cash for whatever you got, it number one: and you have done the exact same deal in two years as painless, often two years and the need to pay cash want now, here's what will happen when you pay cash instead of alarm. You know Ninety thousand dollars on several hundred square for the weirdest thing when you're spending your own money should a borrowed money, you're more careful with it could suddenly you feel like we got a hundred fifty to spend on this project. right yeah. Instead of having to get this, we want- have a vision for this and we're gonna. Do it I'm going to see That is why we threw me when you write to check out the he locked. Let's not romani borrow money. When you write your check out a year savings that you pounded to put in every two years, you're like

We need the golden benchmarking. That's right! Let's just go with wood, it changes the old man. This is that I Ramses guises Kelly says you pretty serve today. Ramsay shout did you know over sixteen million people listen to the day, Remsen show every week and a lot of those people missing. One of our six hundred plus radio stations prosthetic station near Dave Ramsay got caught flash.

Have you got questions about retirement, investing becoming an everyday millionaire, go bigger and broader, with my man, Chris Open on the crisis in Georgia. I M excited to be able to talk to you all week in week out we're gonna focus on your calls, and it's going to focus on building well investing and how to become an everyday millionaire subscribe to the Christian and wherever you listen about gas, hates J, producer of the Dave Ramsay show this