why I'm just going to let all studios Ramsay Show where matters DOM. Guy she's in the bay of mortgage has taken the place of the Bmw how's the status symbol of choice. Merry Christmas, America were so glad you're here Thank you for joining us. Open phones AAA eight to five five, two to five, breaking news. President Biden has given Americans a gift. Today

a bunch of whom he has extended the student loan non repayment, another ninety days, and so may first you to start paying you to launch back. It was proud that ninety days can be what February first or something like that you're going to have to start an Some of you are saying we who now don't pay mustard launched or may I can kick the can further down the road. Our advice you, of course by them off as soon as possible, regardless of when the president's is the payments are due. You can use this time off these interests. Time off is awaiting accelerate your repayment, rather than a way to put off your repayment b where of politicians coming bearing gifts, Ronald Reagan used to say The sum the scariest words in the english language are I'm from the government. I'm here to help so I just keep that in mind about its good news, though

I mean he's gonna help some of you have tough couple years and it gives you has to continue to do this, but please don't use it as a way to put off doing what you know you ve got to do that. Not going away the monster in the closet and you get it paid off. the highest and best use of money. The reason to become a baby steps millionaire every day, millionaire. The reason to save and invest is something more than just the piling up of stuff. We all know that it is better to give them to receive, Some know that more than others. But changing your family tree and outrageous generosity are the high And best callings of wealth. By the way. Those are the most funding joy. Ever do with wealth, get you some stuff, Get your nice car I got a shiny truck down the parking lot. That alike. That's fine, but Your definition of happiness is what you drive your shallow. So yes,

draw back a little bit look up a little bit, raise our chance a little bit and set a high calling on this whole money thing and we talk about in others about five things you have to do with money. If you want to be successful with money, one of them is to become and establish a pattern of generosity in your life and so what we do every year, because we are pretty much corn balls around here on the rooms you show. We are corny and proud of it. It is do all kinds of stuff like we ask what you're thankful for Thanksgiving, Miss, corny and more proud I've just like is walking dad joke gripe. That's! Ok! I'm sixty one, I'm a grant Bogdan Luther scrap. By the way on the things I can do, the scrap, so there you go, this, what we're doing but generosity the shower and next hour, our we always do a giving show, as our last live show of the year you'll get stubs until January. The third show couldn't be ready by Does your actually our best, which means

better than sometimes when we're here shouts you're going to listen, but beginnings. That, though, should those kinds of shows, but today for three hours were and take your calls, those of you that I'm giving story because we want to set the bar on generosity. We want to inspire call people too generosity pay the person groceries in front of you, unlike the person in front of you at the car thing in line and by the bye that per person behind you. Whatever go ahead and just do some weird stuff of money. Leave a thousand dollar Tipp at a table by somebody. A car. Do something wicked weird awesome with money. They just blows people's minds and, by the way, your mind I'll be blown in the process. Can that's the beauty of generosity? Is every body benefits. leading the giver. Shall you're giving stories as we have done, something really cool with giving, and I now your modest- and I know your humble and you dont- want tell your story, but you didn't give anyway, God gave it each issues you to do it so shut up. I wanna hear your story so

call him make us cry, your job is an Be received something maybe you'll give somebody an idea, because you received a gift that was unbelievable. Now, don't wanna hear stories about twenty dollar tips. I mean that you should be doing this stuff anyway, but pizza. Guy says how you are. You say how you doin the pizza, so better than I deserve. That's cute queue for its co For he listens to the Ramsay Show she listened Ramsay show their working there probably get out that you have to triple your tip to them if they say, That's just coat, that's not generosity, yours years doing so but how about something big, I wanna hear shoes: tories. Right now the phone numbers triple alight. Two five five to two I've, you're, giving or receiving stories were inspiring generosity today, Howard is in New York, Hey Howard, what's up crash much smoother. Dismiss them so.

short story is my wife and I plus City mission of Schenectady, what our first six figure gift: wow over a hundred grand salt? Amazing? yeah. We ve been long time: donors, small donors, Felicity Mission I had a side, no back story, they are not. President of the local Animal Protective Foundation very well aware of nonprofit in Schenectady and paid close attention to the city mission over the years donated along the way, but they the city mission, does amazing work providing shelter for nearly a hundred men, women and children. they serve more than six hundred meals daily, along with it, One thing that I found very important: they do this while providing everyone dignity and provide training and lay skills to graduate

and move on graduate from the street at good network. That is good work, Very cool show you also you're saying this is a good investment, not only because of the work they do. their efficient in their work, It's not a waste of money, it's not like giving it The government and the penny on the dollar and going to the actual thing, actually there highly efficient and in fact many of the people but they are bringing off the streets and train lay train to actually do the work of the mission, including building the buildings. Case. It was doing we're gonna a brand new courtyard courtyard, is meant in the centre of all of their buildings, including transitional apartments The places for family Life Centre except for very good amazing facility, actually very cool, very

and you said that your first time to give a six figure gift. So you ve had a pattern of generosity but you're ramping up exactly, very good. What you're not worth. Ah. Lastly, form a good girl God. Yes, Figure gives out of it by alive now you're, also man your also option. Proud of you and you gotta know you people, you gonna, listen TAT Tom Power they also stinking good feels amazing and in fact my wife made the point that said that she told us that

This may have been the best gift to her she's ever received a man almost selfish. I feel so good a love. It well done. Brother, touchdown man. I regard what I'm talking about. That's what I'm talking about giving show right err on the Rams, Asia. You know, I heard a sad and touching story recently. Zander insurance has set up a scholarship for children whose parents died without life insurance, its touching, but also sad, since it's a situation that occurs all over the country and can be avoided in so many cases. This

The reason why I talk about Vander and term life insurance every day it's not expensive or complicated. Gotta Vanderdyke Gom recall eight hundred three five six, forty to eighty two, so I don't have to keep talking about these sad story. You know, a lot of hopes are bravely today's rate of inflation rate of over the word. You're gonna die for it about their jobs and is causing a whole new surge in get rich, quick stuff out there, people trying to cut corners then don't

she cards and you know what happens trials. Your cards are revised. They fall I'm right. When you build a joiner tower, it falls Y got great. If we really want to build wealth, we have a huge event, Thursday January thirteenth called building wealth and work. talk to you about proven tactics not fly by night. You gotta spend three thousand dollars at a weekend or had us by nothing down real estate, which doesn't work by the way. but we're gonna teach you how to really bill wealth. Rachel crews George, come on, I'm going to make sense to get rich, quick noise and real talk about how wealth really is built. Why to build? It works. from. We are sold out of the impression tickets about fifteen hundred of those sold out for the event in about three or four days so offering allow live stream completely free. You do not want to Missus event, got Ramsay solutions, dotcom, slash, wealth to register for the free live stream of

building wealth live again, On January, the thirteenth thank you for joining us, Our annual giving show where we talk about giving and receiving. We talk about generosity, and I were hearing your stories of you have a great generosity story. Receiving or giving money to hear from you. The phone numbers triple eight eight to five five, two to five, soon, is in Pittsburgh. Why? Susan Merry Christmas merry Christmas view very go. What's up, tell me you're, giving story? Ok, Oh, my story is about being on the receiving end of guess. I was haulage, my last master of nursing School and I had paid for what the point with wound and my last the master. I came down few owing about six thousand dollars to finish off and gradually and everybody.

My family had tried to co sign for me and I can't being denied for alone. I was pretty damn. Brad, because it was very hard for me at this point to even to make it through college and b, where I was, and though I asked a friend of mine, if she would be, to try and coastline alone for me, and she told me that she always ran all her financial decision by her parents and that she would have to talk to them. Back to me and I ve been got it All brown her mom- and she stated you know that- will first be asked me you know what situation I was in a sort of a detailed surrounding like my schooling and how things are going in feed. And told me that they would have be advising their daughter to co sign alone for me, but that that they wanted to give me

six thousand dollars the finnish paying for minor things, for I noticed something yes to a nice gift. I love it exactly I was crying. I was beside myself. I just felt like It was, though, generous with them to do that. For me, you know just being a friend of their daughters and since then My husband, I have been a large that free journey and were now that free and were looking forward to being as generous as they worked me some day and that is very, very cool. The iron, I actually referendum on years ago, a gushers, probably thirty, years ago he was Tom in a story that guy that he didn't even know that was a wealthy guy and that community heard about him and his studies, and paid for his entire college. because I have heard of the same kind of thing like up

one degree: a separation like with you in that lady and through your friend and that's pretty good Also yeah, that's cool thing, pick up pick up a tuition, Oh from somebody that's worthy and you obviously our the you're you're somebody who almost there you have it a prize. You were your scratch claw and trying to finish it up and get out there, and you know you weren't and off you. Aren't you weren't some trust fund baby. You know you you're right. and that new you're just attractive to them and that's very cool yeah I feel very black, but that happened about. You know that I'm out where I met today in our budget gosh you at least sixty thousand dollars at your relic. I have to do that about ten or twelve times you're, not around you know it's a good way to move forward. I, like your music, is going to talk to you. Susan, that's a great story. A great giving story Thank you very, very cool

I read is that that's not planet all this, generosity show that we do once a year when we talk generosity receiving an giving. If you ve got to stop the phone number eight hundred and eighty eight eight thousand two hundred and fifty five. Two five Stephen is indicator. Alabama Stephen, Merry Christmas Mick the girl those days, you may go absolutely tell me you're giving story my family hooked up with a single mom for children. They came into. School year pretty late and we got to know Worden became friends weather She, then scratch icon and running for like two years. Her family history is very, in two of drugs and heavier. She decided to change your life round a year and a half ago. earlier this year, her house burn down. So she laughed Oliver. Possession safer were what was in the back yard and stored shed She then she's just a

Strachan Incline and trying to get as much assistance ass. She can And my wife and I will teach others like ok- is there anyway that weaken radio she moved into the same avi park is us in what she moved and was pretty much a damp. It was a very well before was found through the route taken. An she actually found, new ideas like a late nineties. That was in, like a grammar grandma on top Our wages really well cared for it. Just order model There was a very good price of like twenty three hundred dollars and my wife knows at first told her: hey will sponsor you, go dollar for dollar at the end of the time were they say we gotta get the same offer a lot. My wife just as I too purchaser day give deter for Christmas, and-

so she was struggling with employment and the place on all fours higher like crazy. Those able to get her a job interview there to double carrying out their diet I care those babies wow, by his cool. That's a lot of money for your back. I mean you, give some place to live for twenty three hundred bucks. Oh yes, a strong and unified teach analysis should honour in the right direction to double or income just by changing jobs and. damn. Churchill float the ashes gotta. Just fine, you don't know yet. She got people like you looking over her shoulder man. Well done! Oh yes, it is now. So how long did you and your wife talk about it before you decided to write? The check we're in baby three right now, the joint three hundred extra and say well in the dark

final really doing anything when it. So why don't we just help the family out and take us about two seconds to decide our generosity. Well, did you will never struggle with money, is larger than open handed mentality? Oh yes, well. The answer I'm proud of you man, that's all some thanks for sharing your story. Very good the thing about holding your money with an open hand, some of it might blow out some of that money. It just can lay on there. It might leave, but also, the fact that your hand is open. More money can come into your hand when you hold it with a tight fist. No more can come in. What you have won't get away, but you can add any because you're, It is already wrapped up. and so there is a beautiful picture when you say open, ended Dog understands clenched fist or an open hand dogma.

Just open handed down from her baby. Comrade down, look at your leisure, crazy! You know Even a dog understands you double up your fish anywhere in the world. I understand what you mean now closed spirit, open!

generosity generous people are highly interactive. This is the rams. This is our and your generosity. We talk about giving we talk about receiving a remedy solutions. We now have a thousand fifty eight people as this week on our team of all buildings. Follow people doing incredible work, doing incredible. Job

one of the things we do here and I stole this from somebody a few years ago, I'm gonna do you guys that especially those view that own run businesses and hope still the idea in addition to our normal paid time off, our normal p, o your vacation time or whatever you better year, We will give you an additional week off per year who shall serve a ministry. Some so you gonna mission field. You can go serve Schubert mission, you can one gather that I want to our technology guys went and build a website for this man. A man website, for this minister took a whole week and plug in for this non profit. This ministry understood a great great job. So what are we trying to enter this whole idea of generosity into our team is where we are team as all kinds of opportunities throughout the year to participate in. A different generosity initiatives and conflict

I guess what we end up, having a whole bunch, generous people and the people that are here become increasingly urgent so part of our giving show is to have some of our team on and Miss Emily Cummings is where the gentleman with a seven and a half years, she's a real estate coach over in Ramsay trusted working with real estate agents around the nation that that a remedy I stood and emotion than to integrate, for a long time. Almost a decade now show ah, but you can break. Giving story. I hear tell me what it is yeah, so I really want to remind a couple years about two years ago, husband and I had saving to buy a house we had put away. Good chunk of money, and then at that time my husband wanted to go back to school, and so we invest sacrificing that money felt like that the better decision to put that money towards his income. That will be losing our call

is education and grace versus Bauhaus sure I'll call good bad. We really thankful. Obviously, we had our emergency fund in place. We were debt free at that time, so it was a pretty easy decision to make, but that meant that we are sacrificing the the purchases gonna take significantly longer based. of our kind of estimations we weren't, even gonna, be able to save up the money until two years after having got hired so we ve been he'd, been in school for about six months ago and had coffee with my dad and he's. Talking he's like why I want to talk to you about something I was like okay. He says I've been praying about this for an entire year, but I want to give you one hundred thousand dollars to my house exactly ass, they were ends. My dad is always ban. A very generous person has helped me out when we were struggling to get pregnant,

financially gave us money even then, ah but is completely unexpected and so and even then when he, when he said the words and I'm gonna, give you this money. You know like the dream, you have you when the lottery like this is a real like this. It's not gonna happen for much bill. Your call for the local almost spit it out at employ, walk, Mosher Mirage, and so we can gifting us the money and were able to, of course use the rooms he trusted. Ethiopia's killing, Casey Wallace them to buy a house even in this market and just. given that our house three months now and is completely ball in a language other than what is thy giving yeah. So we we closed and moved in September, assesses re literally three months two days ago so region, oh my gosh, yeah, yeah, so

am I mean my parents for your mama, obviously done very well: financially, yes understood, strain on them at all, no answer think about rather Schuman, joy at it, while I'm here here that was examined shall you're behaving you're, not gonna, blush that if, if you're their spending like you're in Congress right? Why funny I I facilitated financial peace closet, my church, they go to church this and they took the class, so I'll teach them as they They might. I was always been frugal, but he never budget at before until he took the class, and so it's kind of quota c that come full circle. We had already gotten out of debt, our selves and then my parents too, class and now here we are where their agenda we giving to us so that is so cool. I love now, how do you and your husband so Thirty eight and my husband is thirty: five cool and you're able to Barbara Knowledge home with a hundred thousand dollars down the S gift, not not long racket

wait a cow, that's so cool wanna go dad touchdown. We will make a cup of coffee like it very, very nice. Well in and the other thing that It sets his. It burns his legacy into your dna. You you can't you. Can't avoid generosity now it's now begun Arthur who you are you you can't you don't have an option it just it reset your brain. and the word sites an automatic default mechanism for you to be generous and he just right. You are already that way, but he just you know he is dumped a toad Tut tut chemicals into your brain because you to permanently be general, That's very me, we're just think, what are beyond the four five and six baby steps. Now we're like ok, how quickly to weep off our mortgage, so that we can start doing something very similar, and who can we impact because of that?

That's what I'm here now so that the poet forward you can't keep it from happening I love that great story, Emily very cool thanks for sharing that absolutely merry Christmas. Giving out about informing Imo studies. Also, ok, see like that very cool stuff Rico, I got time as that's amazing friend of mine, that decided he was his kids he was the last rent. He was the last person in his we try to be in debt, and so he pay cash. get trousers, not bad under the condition that they would sign an agreement and ever borrow money of any kind. Ever they would teach the grand than ever borrow money any kind ever so that, if not I stood in other words, long on pay, but by your house that you go refinancing Babo right, show that that piss, you off right so you don't do that, but you don't like it out, and all three of these kids are now thirty years old millionaires. Now

because I'm not a house payment, although their twenties and they make their careers and they just our pay. They start investing. And I mean that you that serious jumpstart right they're pretty pretty Russia like that and we did have a debt. Scream one time. The guide couple was on whether to grown kids and did it that free, greener their baby, such millionaires and on they had their in that effort scream. I had paid off their house and then at the end of that right before they did their devilish grimly. Should oh, and by the way we just road checks are kid kids that one's dating right. I don't know this, but we just wrote Jackson both of their houses to shop all three family, are now doing that for each Graham together, the kids crying moment outcry and I'm cry, and it was great. It was amazing. Generosity is cool guys are right, let's go to grab and for Wine Indiana hot Gregg. Welcome the Rams ratio hey Deveria better than I deserve. What's up alien,

receiving story back in two thousand and fifteen we gotta go. from our ongoing any said. He wanted to contribute to the kids College Fund, We know we talked about it. We said aid. I would be odd thanks so much until that point we'd only saved about thirty five hundred dollars to our college fund with a kid and they run Eddie fourteen and twelve, so we would more new and very good form. So anyway, weeks later I get home from work and my wife said on the couch and she's, crying and hey baby. What's goin on issues like hey, we just got the cheque from Uncle John you the tangle agony he saw idea. I pulled him out and I noticed that each one of the key I've got fourteen hundred dollars and we were. We were so excited about that and she looked at me and you like a. We need to look at those checks again, an side it so, and I noticed that I left off the zero each one of the kid got twelve or fourteen thousand dollars toward your college fund. And so you know it is blown away by that good men you yeah

and the only thing cooler than that David. Over the next three years. He also did it again for each one of them.

came over a hundred thousand dollars, guided twelve thousand dollars over accords. The four years wanted it that way, blown away about that. That's the rich uncle we ve all been lookin for a lot. That's a great story may and the annual giving show right here in future. Welcome with Ramsay show we always talk about generosity around here, but we also take the lash live show of the year, which is today and

If you three hours or generosity, we want you're giving stories were talking about the power of generosity. What generosity does how it is, spires us to be better people. How things move around life is good. Life is good. And so we want here from me if you gotta generosity stored, maybe you're the giver, maybe you're the receiver, but in Spain others- maybe maybe you give them an idea by what happened to you- are what you were able to do and I changes changes We think this thing called General, the convinced of we, the people increased our generosity about three percent a year. Every single one of us there He put the government out of business, lotta good intentions, just think about it. I'm sure it if we start taking care of each other. The way we spoke to you could make them relevant there already irrelevant, but you would just gonna put a highlight around it befitting ground.

Julie's, where this in Chicago I Julie, welcomed the rams. You shall tell me you're giving story I'm so glad to be able to share the story with you. It's actually a story of leaving and giving eight years ago December, twenty thirteen, my husband stave Cancer- was starting to spin out of control, and that month, He was part of a clinical trial and cause a problem, but we actually had to exit the trial. Then started radiation treatments the same time the national marrow registry he was registered and the national marrow registry we're looking for a stem cell match for what was to be a stem cell tramp. The third one that would be coming around the corner and we were at the hospital every day. Meanwhile, our kids were ten four in sixteen, and we were just trudging through life, everything obey them going to school and we are going to have every day. We are

oh applied for disability for him, and we were looking at them. you months of no income. While we are waiting for disability to kick in, we were down to about arms a threat an emergency fund. He was now at this Wayne unable to help me make decisions about money and in our these huge decisions that are looming I'm and made a very uncertain future at that point, so I just did not know what to do about paying Bell aunt, let alone you know helping. My kids have a nice Christmas, in the middle of all their fellow foaming, relying on going to take care of our needs, and many more people became aware of our situation. That's when John, ass- it s just started pouring in there were a number of things they experienced, but especially there's one sweet way that a group of twelve I shall love and care to our kids, especially they called it the twelve days of Christmas.

day after school, all the kids but come home and find a basket on the porch. I'm for I'll days leading up to the holiday. and every day they. You know a spade theme that as best they could to the fund, which will be the Christmas, but the kids got baskets of toys. Candy supports it. Wait meant movies, games, books loud It's really great and my husband, I forgot you, don't give some areas while because he needed a you know, sir. And encouragement himself enables a bright spot in Arab, otherwise, sad and very stressful December. We also got a card from people that some of them we didn't know very well it all that to set us some cash and just a number ways. The God worked everything out for us and then I was able to piece together everything until he died three months after Christmas, my kids were able to experience. I mean they told it separately. In our words that

and frame and then later on, reflecting back that they just by how God took care of them and our whole families, through the generosity of other people, and I'm really stirred me to be more generous, especially Christmas time, going through her time in life, is just as always hard, but can feel extra hard when you're going. something like this at Christmas years after my husband died, there was another family and our congregation that was going through almost side to call thing, and I was a member of choir at church, and I went to my friend Clarence and hey somebody the deal Her friends did this. For us, a few years ago, can we do less, for this? Other family and image was really special to pass them on blessing to another family at the holiday man. That's good! and you keep that alive

yeah that's on poignant, while powerful so cool very clear man, oh yeah, some it doesn't take what a million dollars, takes noticing and an action. It takes more time than it does money. To be creative in your generosity They will bring gifts over every day for twelve days. That that's you know, that's the thing right yeah its tangible as a way of putting your arm around somebody. In a way, and in I'm there, with you. I'm therefore you Hey you know, I want to tell you one other thing right before my has about a year before he died MA. Am he in our remission, but it wasn't going very well, but our church dead financial Peace university And so much congregation month relent, and so we dead and my husband

taking care of the money and paid the bells, and I was not a lot of input for me and we were able to you now about money, get arm in arm had skirt and tight and talking together about this and have a plan and it very long after that, at all God, you know my became my responsibility and I knew exactly what you do wrangling want to know, and I know exactly what to do after he passed away. Thank you very, I beg you, that's that's powerful and arm to my terms from other spouses handles all the money, and that seems to be ok until are gone, and they're gone suddenly, and you dont know were you not eat? You came on the builder or you don't know where the cheque book is much. worst of stored or what bore the bank lock? My maybe I don't know, they were there, Madame mysteries that are going on around that time is just an more sudden, someone passes often

the worst. That is silence, and that's a good word from you to say tooled up cause. You never know garage that Old Howard was you any past. Ah he was fifty acceptance. Forty five You are you're, no baby. You know you now the measures laid down in which case arousal by air, your passwords. There were a few path. The died with him that I was unable to get away from here yeah. I remember flicker of he had all of his pictures, loaded up, the flicker and now never got an act That is when it is sometimes, as they say in Japan, yeah. You need a password on storage system for sure Well yeah I can hear, and between spouses than I picture I like picture than he is. They are in every now and then you can just roll back the clock. Like a curtain and take a pig

and to say either do ok now, like you. I know how you do good we're doing. Ok, thank you. Thanks for sure and thus powerful appreciate, gingerly, very nice, very much there's something there happens in the human spirit. When you take your eyes off your shellfish self. And you reach those eyes over annually. I'm on someone else suddenly realized everybody's got a story Everybody's got something going on maybe I'll be a little nicer including me. She made this reminder to me. They were ever bicycle story. that person over there that you thought just grouchy and you know, but you have no idea what they went through this morning So I get your ass off yourself herself in the season is about that, but generosities about that in it,

He does I mean so this earlier to Emily when shoes on our team member here, but it really does form your brain. When you have a dramatic generosity of them

whether you're the giver or the receiver, something that that is the has a weight to it. You feeling, in her case Julie's case twelve days of Christmas, at a weight to it and left a mark and leaves a Christian and that's what generosity doesn't reformed, whom you are and that's what you want with only reforming this is the Rams Asia have a friend or family member, the needs of daily those Ramsay advice and their life. Let them know about the Ramsay call other day podcast, it's a quick of advice about life and money under ten minutes check out the Ramsay call today for gas wherever you listen to vodka bail out you're in a rush 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 brow, the live, pay on cresty right. You know it so easy to feel stuck. You live life just going through the motions doing this is doing laundry carpal lines and a whole list of commitments that bring you no joy. We live that. That's why I want you to check out the Christie Right, so each episode will help in felt competence in yourself and the guy that creating hear more from the Ramsay network, including look Christie righteous wherever you listened, applaud, catch, hey, it's James!

user, of the Rams issue. This episode is over the check.