From the headquarters of Wales. We should logically from the dollar for real studios, but Dave Ramsay, show or debtors, DOM casual gaming and paid. Although market has taken the place of the Bmw status, symbol of control and they ran through your host Michael vote today on the Aruji personality Christie right number, one best selling author of the book business boutique, join us a triple eight, eight to five five, two to five. That's triple eight eight to five five two to five will is in Qatar? High will how're you doing

and better than I you better I deserve, sir. What are you doing Qatar, you in the military, yes, sir, I am thankful you thank you. Thank you. Thank you for being here. I'm reserve is deployed lobby. Oh patient wife is that he's back home or currently on baby step to and just finish class. Red tonight of the financial peace military addition. We have Nineteen soon that left three k on a car alone to complete step too I'll be common off of orders in the should be continued and knock out. The thirty two Kay between now November or switch at some point to preparing. For me to be out work and shall, in December and January February, and then back orders in March? Okay. So your back in March.

The user, so what you gotta find something to fill the gap between November in March Correct. What do you make I'd annually combined that one forty k: what do you make a hundred gay? so you're gonna lose that for a period of what six months. Yes, for six months, she makes forty, he figure out if you can live. If we stay on the debt plan. Like it's gonna be Roy tied. If you do that, so you're probably gonna have to have some nest egg built up to. Five, the downturn in income. Unless you have something lined up in between what have you done before when this happened? They really good question. Let us credit cards at the answer.

Ok, can you know how I had been all right so well, I guess what I would do run the math out. So what? What are you? What are you mean? Did you you didn't work when you were between orders before our the knuckles had huge knucklehead? Ok, So, let's per ten, have you got any ideas for income? Yet during that time, yep and applied to some jobs. Doktor GS, civilian jobs, and they're, not theirs, that local parochial school that I walked out before, but four point four volunteer have taken pay from it. So what I guess I would do so I would say to the extent you can Will the whole up by create an income, then you don't need to save up money right, correct, and to the extent you can't

fill the whole up with your income, either you dont lion something or what Then you would need to have some money to cover the difference through a period of time. Is that correct So, let's target what that is and try to figure that out. If I may, shoes, and I thank them. You know a bit build up a fund to cover that, Let's just say I am almost positive. I can make x and let me I'm gonna need why So let us make sure we have why, whatever planners was make sure you have why ready before you right right, If you can even almost positive during that six month period of time, you can percent, replace your income than you would be no money if you're almost that have during a six month period of time, you can only replace half of it, then you might need twenty thousand bucks to make them make the dead bright, or something like that, whatever it is right, let's just run population out.

And based on that make sure you slow down or stop your debt snowball sooner or now for a little wild until you ve got that pile of money to cover that interim, because credit cards, I'm option anymore. We all know that right right there abolished foam. That make does not make sense to you. The manoeuvres, I'm thinkin, my wife income of forty, a year that now you have for care much frightened being like no no buffer other than the thousand dollars a month. That, like worse, comes a worse now, You can make it on that. If you can get on man and you go, and I'm pretty sure I can add something to it doing something right then you're, probably right you're, probably ok. Did you have in your price. Ok, I mean you can go deliver. Pizzas makes if they noted a month and add that whatever trees, Duanan or whatever? I don't care, but I mean, if you can

can run the budget out and make it on hers, plus just a little bit that you know you can scratch up something right that then you have to do anything to get ready for it. You're just gonna be ready for it and the better job Yet the better this is gonna, go we're going The debt Cosette lowers the need for the income. Is you can be dead, before this happens right I believe that it would be right to the wire on Christianity, even if it's just amazing, when you write it down. I think like you're saying if he can write this down. Ok, here's how much I need here's, how much I can live on here, so much money to make to fill the gaps. When you see it, it relieves your stress

The unknown overwhelms us it's in our head. It's like! I, don't know how much I need it felt like this moving target. If you can sit down with your wife, if you can sit down, you know over a phone car whenever look at the numbers, then it's amazing the peace of mind that will provide, even if the number seems high tech, ok. Well, I can do this. I can either save this or I can fill the gap with taking a part time. Jobs will time job whatever those those forty six months. When you can see it it just man, it takes the fear out of it, because when you can see it, you realize what you need to do to get to work to get through forever talking through this law. But it sounds like that you can live on her income blush whatever little. You generate a view in a worst case scenario, and if you can live on man- and you don't add that then there's no reason to save anything. You can make it and then the you know it only gets better from their based on how good a job situation you get when you get there, that's describing on top of that there. But if, if you can't, if you both can agree that we can make it

then you'll need to stop. I'm pile up some cash to subsidize the whole until you get bored orders again Marge again. Thank you for your service progress. We appreciate your open forms, a triple eight, eight to five five, two to five something's things. You know what you're talking about there is We see that with business plans, when you're working with with Ladys are caught immortal, my confidence a low, but earlier our confidence is affected Am I if you dont, have all your doubts right now, in your minds are probably bigger than they really are when you write em all down and when you do a budget you're like we where's owes money go and all of this is the monster- the unknown, is much bigger than the money. Of them yes,

and when you write it out and lay out a game plan like he's doing here, it's very wise. It takes the overall amount of it takes. The stress of good good point. Where's your right, Michelangelo's, our dear on the day, were amnesia. finding the right pair of sunglasses on a budget is difficult. There, either too expensive. Are they don't hold but recently I got a great pair of sunglasses from shady raise shady raise offers premium, affordable sunglasses there right now you can try shady raise risk free for thirty days with a twenty dollar off discount. That means you can get polarized sunglasses starting at.

Twenty eight dollars when you use the promo code, Dave at shady raise dot com. Perhaps your personality Christie Rioters, Michael votes today here on the day were actually show man is in Minnesota, high man. How are you be? They could be how you doing packing up yet throwing the quick then on to your I'm wanting to get a new In my work plays, I work for me Ah No one on hospital and I would like to brand a little bit, but I I got diagnosed years a baby, and I I am very trying to think of.

Explain it like I'm sorry about that I'm way than how to get. Because I always am always nervous ass mice Can I handle this job because of my limitations with might and main daffodils order. What do you do now? I work Ah, Sir Neil Kinnock, I transport women in the hospitals. What are you, what is it you want. My career Darwin. Said the babies and their past and our peoples cancer, while good for you, and so what would you need to do to do that that you haven't done certifications? What we needed it

qualified for that I would have to go through another schooling, which is two years I'd like to bus. Do I get my You see it and then I would get my bachelors and radiation therapy does the hush resolved but are willing to help with tuition. Yes, they give. Three thousand a year for undergrad and five thousand leader for masters. What's the The downside of starting lap just might in our personal south of just having the competent knowing I could do it and disbelieving myself. Because I have had any deeper I was diagnosed in first grade and distant. Just knowing my Knowing what I am capable of, and so that the law sweetheart. I've always had just a confidence. Look. I'm all that is lower.

Now is larger than on watching back there logical putting me back so, but here's the thing confidence is built by. Doing something doing well, and Then you know you can do it right. So what if you started taking the classes and by going through, process of getting the certification. I think your confidence would be built. Don't you yeah it's at it so interesting, because I think sometimes we wait Matt for permits. Or for affirmation from another person to give us that competence, but that I'll. Never enough? It has to be from improving to yourself that you can do it and what so greatest are not in a jumping in the deep and we're gonna leave, this job and try to do a job that you're, not sure you're able to do the classes would not prepare you know it for education standpoint, but it gives you those wraps that experience that practice where you go after courses completed after you know several different things that you have to do:

you look I'm with oh my gosh, I'm doing it, I can do I think a lot. I know, your facing Matt Israel, that its Michael, I understand that I think there's also a piece of it that way, tend to put labels and limitations on ourselves or other people do and then we live, within them, as if that is that that is an actual barrier that keeps us from doing these things. I dont think that that you have proof that that's a barrier. That's Bing you from this job. I think in your mind, it might be. And handling Dave's that there's a part of its logical cause, you're being wise with like what are my limitations but Yuvan opportunity to try this. Trust courses trotted just you know, say if you get even shadow or or get meets, and people in that department haven't informational interview, some questions. What is there, what are their days like then the more you do that one tiny baby step at a time, your building confidence I did do alone that wasn't that hard or what, that was really interesting or I was able to maintain focus here, because this really engaged me in this in this way, and so I think you're

to surprise yourself and I think you're break out of the box that you ve been living in or think you're living in and building company with you, but it doesn't have to be this terrifying leap, it's just a tiny baby steps in the direction of where you want to go. The rapture- and I want you to take those applicable he's gonna build a true of any. I wish my first I'm your bullshit comfortably drive a car for something today, the first time you do anything. Europe were all a incompetent and be scared, and so not really conference, I'm good at it. Could you never done it before it from a turn on the microphone? I was scared on my mind. No one doing anything, answer the questions by a sound like a hit on the ear, and it is awful I gave the right answers and she's got to come back the next day, but that was it and so here I am thirty. Almost thirty years later doing this every day, and so

obviously I'm better at it now and more confident than I was back then, but because of wraps. Yet in a first I mean you know we do both of us or public bakers and writers, We write a book in our first I'm doing your ear Everyone build confidence by building their competence and competence. Gum, from in learning and wraps and tell me adoptive all attempts antidote to fear is action. Nothing was silent your fear of doing the thing like doing the thing so go. Do the thing: it's doing the thing that that fear lessons in your confidence grows and you got almost ass. I can I did it once I can do it again. That's true: what were doing our mammal scheme? Tell your ride with the boys and at the top of it was the day, and I have top of his dad gum, black diamond and so I thought I was part of a ball, I'm gonna land all the way in the village, So steep I couldn't see off a climate of, and I mean

Two years all I got there my heart starvation, that, like a four year old boy, At almost labelling we got ski because of ongoing underscore what it does about. Don't get moving the animal, The fears action. If I did not start moving those keys down, I feel that I was gonna frees up the top of it, but what happened little girl but correct what happened when you would happen when you made it climbed are being crawled that we gain. If I know the bottom? What happened was another we're going up there give us what happened, but it system- maybe you know, and you survive through it and now- and I still, but I still remember, Casus belli long long time. For me, where are physically scared- and I thought I have gotten myself into a measure and I've got it new. If I stood there and thought about it too long, I was an outgoing up. Take an excuse, walk, and that would be a two and a half hour rude will you all I just went now we're going. I gotta go because of and think about it

screw the shot you just gotta what you appreciate the story. So last week in my husband, I went on the lake I've only water ski, like maybe fifteen times in my whole life and grow up on a boat or anything like that, and so on. We can. We can have the kid we had. Childcare is to weaken manner and I decided trotted dropping. Good for, like you know, you're scared, like you're nervous, I'm like I'm, not a professional skill and barely and you're gonna fall. I did and I fell it. Maybe three forty, I finally get the hang of it, but man when I stayed up and our road that solemn afterwards is like much popped out. My soldiers, like I can't believe I did that I can't believe I did it to be at any age doing anything new. Were you surprised, herself and go? I can't believe I did that. That's a coffee that's a really cool failing to physical examples, but their career exactly and Hitler's relational examples or spiritual examples of where ya the best antidote. Fears action. I really like that. That's good that'll go that that preach outbreak. Good good stuff

We are we talk about runner. Even our are one of our core values, Ramsay that we ve got fourteen core values on the all that we really are there, not Russia, fillers and one of sphere, not right, and it's not that women are never afraid so Don't make decisions based on fear and so in Bali, us you can put us in a corner and you might scare- the argument. I just go carcinogen. Man. Are you much scare me, but that doesn't mean I'm decision based on that fit right. I'm going to figure out a way with you, but you have you put me in a corner and I've just gotta figure out how yeah- and I just you know the first step is to not freeze up and and surrender. People think at the sign. You're doing something bad office, just assign you're doing something new. The black diamond slalom, ski whatever it is, Joyce Meyer says new levels, new devils, the mode push yourself outside your comfort zone. Of course you're scared. You never done it before it's in the doing that you lesson that fear for do it. Your glasses right now go sign up today

On the contrary, if we are to work for you ever get to do the job anyway, so you got some time you get. You got work through this go. Do it I'll, do it this regulation no matter, What time of year it is focusing on your family's financial plan is always a smart move,

questions all the time about where to start and want to do. First getting term life insurance needs to be a top priority. I recommend to the twelve times your income and lock in rates for fifteen or twenty years. This gives you plenty of time to get out of that and bill wealth. I've been recommending Zander Insurance for over twenty years. They understand and live the strategy and will take the time to help you find the most affordable term life rights, gotta, Zander, dot, com or call eight hundred three five. Six, forty to eighty two, falling from Pennsylvania, obeying a dead breeze, scream drivers and Barbara are weathers. Hey guys are yeah we're doing great,

envy. How are you, sir, better than I deserve? Congratulations, how much of you paid off forty eight thousand, eight hundred fifty seven doll love. It also no longer tank twenty two months. And your range of income. During that time we stopped making one hundred and four thousand and we ended up making one. And thirty two thousand lover awesome, very good what you gonna do for a living, we're both procedures Did your income go up? Thirty are glop twenty thousand dollars in two years, Travis fried something in the summer time and I served the fish to people as waitress, then am I also went, working part time as a teacher to working full time there. It is ok, well done guys

Congratulations! What kind of debt was this? we had a little bit everything we want. We were normal, as you would say, we had there a pension loan of twenty four thousand two car alone. Just over ten thousand to student loans at eighty eight hundred utility loan at forty five hundred enter parson alone at eight hundred dollars to get a real state licence. Actually you guys were justness. Completely normal. You borrowed on everything so let me watch snapped what lit the fuse twenty two months ago. Tell us your story. Thank you, yeah. It actually started in March two thousand seventeen was March night Barbara. I hit a pretty low point when we had to go to declare bankruptcy, and that was

almost twenty thousand dollars and credit card debt and, as you Know- and I know a lot of your listeners now with really never experienced anything like it. It was, it was really got wrenching and we were sort of lost and floundered around for just trying to buy groceries It was like where we were those people who- are literally making too much money to be this broke in our men over that next year. I found your part, and found your programme and Barbara, and I we we managed to get on board and that just changed everything forest. While so this much of the debt survived the bankruptcy, then yeah. Ok, while.

Yeah, that's gotta get that'll get your attention, so you haven't you concept. I can't keep doing what I've been doing. I keep getting what I've been getting someone's gonna change right, never again, absolutely hundred percent, damn good for you well done, ok and show you start paying off the debts and twenty? months later they're gone has. I feel I can it's the most wonderful feeling, because they go far distressing, for not being able to pay our bills pounds into so many are things like one little hiccup and it believes in everything else in our lives. Now we get to make our choices, say how are we going to spend this money? And that is freedom, and that is love like we get to be generous and it's not just our bank accounts not just our budget meetings, but it's a part of everything. We do in life, it's its freedom,

I've never known, will likely never known it's amazing. You get paid, you get to keep your money, and it looked like a villain- not having the debt is wonderful, but having control is even more wonderful. I ended just having gonna haven't, I mean, which is so grateful Europe your plan, your wisdom, you know, I mean Barbara Barber did all her hard work and I I just read the books and listen to some podcast but it really changed the foundation of her. How we live. Our lives were just we're just in deep gratitude to you, Sir, and your programme. Very girl, more proud of you. Man. That's amazing, well done very well done. Who are your biggest cheerleaders? We did. We have allowed people corners you now I've and I'll go. Who was very supportive and tat in our weapon, my mother for sure my mom anytime. I pick up an extra shifter Barbara to pick up an extra shift. We had the

Mama right around the corner to baby said the two kids and Mom was always cheerleader, giving us all kinds of hence about headed, had a budget and save money away. So what is the number one thing you tell people when they say how did you do? There should pay our forty nine thousand dollars in twenty two months? and make more money. You remind your life in the process. What are you talking about? getting out of debt is free, I was, and I believe the key is communication and sitting down. To have budget meetings because beginning with hard. It wasn't an always an easy thing. Deal the more we were committed to making it work, the better the communication guy into flag, said earlier, like it please into everything else in our life and our communication, just is better all across the board. Let's call the night, I think you know the the discipline and integrity you know. I mean

and I have a touch of the free Spirit, a man anytime. I you know by new sulphur in Bible is right. With you know. That's that's way far out about your future in our if the weight non that yourself, oh, but when we get it it'll be on our terms early in cash for sure a man. Well done you guys, we gonna copy Chris Organs book for you every day. Millionaires because, as the next chapter in your story, one should keep going now baby step for five. Six Let's build some well known Finnish. Changing your family tree, ok, amen, well done however, some Barbara in Pennsylvania. Forty nine thousand dollars paid off in twenty two months, making a hundred for up to one. Thirty. Two download, zero dead, breeze, grew three,

why that's Wurzel lied when you know I'm really free I thought a loving congratulations. You guys were proud of. You very well done our question. That aid goes from blinds dotcom, find out for yourself. Why blinds dot com is the number one online retailer of custom window coverings? You get free samples, shipping, a new promos every month, always use the promo code Ramsay to get the best deal. Our question Christie, yes, comes from Alyssa in Tennessee she visit Sabre emptied out and says with ever. In going on in the world right now, I find myself ashamed to celebrate my business successes because other small businesses and small business people are hurting right now. I've always shared my success with my customers to show them how amazing they are and how they show up for support. How can I never This time that were in with grace and without making other

feel bad Interesting Dave is the people that asked this type of question. Usually aren't they? they have to worry about it. If she's self aware enough to know, I want to be considered of other people, she's probably celebrate her celebrating her business success in a way already is filled with grace and social awareness. So. How do I brag? She said how celebrate what's going on my best, What's going on my customers? Theirs, thing negative about that. If you have a lens on it, that is with humility and gratitude, it's gonna come across the room Well, you don't have to completely diminish, what's going on in your business or with your customers, if you do it with the right heart Well, that's how you go about it and you're, not aiming bullets at other people know so you're, not SAM. You do fish and look. I got I am now you're saying this is working Thank you or it might inspire them. It might encourage them. Young people need to hear stories of winning at any time and when times are great, went on for bad, they only to see examples, and here

examples, are now we ve got a friendly, minion Francois here in town that started a cupcake thing with five dollars and the ten million dollar business and she started that in our house making cup catch and up can't think of any region. I would want her to not celebrate right right. I think that we need, in any business at any stage. Well, it's you're. Bad should go love hearing than story right, that's good NEWS

good news share Good NEWS from the site. This is that I ramses Well judged, wait a minute. What TAT day was April fifteen now its July fifteenth coming up any minute. Are you ready? sailor, catch off guard when they move it. I got it

move Christmas Christmas stasis. I can predict Christmas. It's gonna be there by the way, in December, to my ready ye shall be thinking about TAT Day and Christmas and getting ready. If you're gonna follow tax extension, you have to pay your taxes any way or you ll get penalised and which, interest show you don't get to do an extension on the bill. Will you just get to doing stage on the paperwork? but if you need to do that or anything else, you got complicated tax return. You need to get attacks adviser. I certainly use professionals to do my tax I dont pull my own teeth either. So if you need some help with this and you will find tax about or that we recommend one of our endorsed local providers for taxes Ramsay, dark arms, lazy and click on tax services and we'll get you a little help. I'd solutions in Wisconsin High Susan, your question for Christie Ride in me, even Creasy.

We're taking my car sure? What's up, I have a quick question: You about life, insurance How can I just began baby set four five and six and was somewhat new parents So in our wills we named my sister in law as soon as guardian. If we were to die we want to ensure that our life insurance policy there are available. First, I'm right away so to do that. Would we waste are son's name as the beneficiary on our way to change, or do we with the aim of the guardian, Will that financial aid upon your death? Ok, if the mayor, both of you die and the child would go to your sister. Ok and then a new name that trust as the beneficiary? And so Now you ve, caught children's trust. Are your last named children? if you want to and there If you were to both pass away, the life insurance would be issued

within a matter of weeks, to that trust and would fund that trust. And then in your will, you ain't goin dictate how that trust operates in the event that this happens and so you can put it- May in May in dollars or whatever in that trust. Three or four things there you want to address number one is who's gonna, be the trusty who's gonna manage the money for the benefit of the child. In most cases I would want that to be someone different than those whose taking care of the kid. Ok, we have my mother as the person to sell our housing in Handle Oliver assets. They want, notably the tragedy of the money to manage it for the kid. Should there be a separate person now can be heard, can be her, but it don't you it can be the guardian of the child, but it just create conflict cause, here's what you can do in the thrust, you're gonna say what I said in mine, and then you could pick out What you gonna do. Ok, now mine

existing market, my kids or not grown, and so it wouldn't, I dont need em rush to take care of a minor trout, disown any minor children anymore, but What mindset when my kids were little, we name sister in law of take the childish like you're doing sisters can take them and the new site, the trusty, here's what we want you to do with the money they want. You to that in four types of mutual funds, growth, growth and aggressive growth, international, and just like we do just like? We teach you guys: growth growth in income, aggressive growth in international? We want you to stood in mutual funds, and I tenure track record or more than us and then we want you to pay out of. Funds every month, a stipend. I get the kids of acts and you give him a dollar. They pay on this one. So it's almost like child support for your sister right she's, taking the morning, your child shouldn't cost or money it does need to make her but it shouldn't cost her money. Ok,

and so you leave her in five thousand dollars a month or whatever you want to leave her to take out your job, then you say you can hit. Also the trusty can dispersed funds for the good of the child Sixtyth birthday to buy a car to go to college in the event of major medical issue. The money could be done. To take care that show this again, not a burden on your yours We don't want a financial burden on issues. She's already got her hands, folders, raising the git, and I am them if the child, when the child grudge from college. The money can be dispersal child then or a portion of it. Then, in a portion of it two years later or something like that and that's it. Ours- was laid out. It did those kinds of things, but you can make up anything that you wanted to do and those the terms of that and the new name, the trust as the Officially airy of the life insurance policy does left to your mom. It's not left fiercely. It's not even left to your minor child, because then the courts,

involved and tell the guardian the day after the money and something stupid like a cd instead of invested well always leave it to a trust. Get your will to increase to get there and all the insurances and all the things are working. But I didn't know that about trust, that's interest. I didn't realize that when you like the way that it protects it, you can take how the money is used in all that within the trust you can two hours to get other only on you can only turn the money out on Sunday. The EU can make up. So in so far as it will do bizarre stuff, sometime really really binding, where whoever memories of the trust they had like, for example, in your example, if, like investing in these mutual funds, they have to legally invest in that way. If they don't reliable and the child could come back and slew them light, while for not doing what

says yeah, and they don't have any options. They have to do what you tell them to do or they can get sued later, and people do get showed for misbehaving. But you see if the, if the guardian also the trusty of the money they ve got the responsibility, the child, Then there's more and very few people do this, but there is more temptation, to say well this kid on satellite we need. We do. We need a new cap. You should see that we know how we need a new car and benefits the child's organisers. Trust money in appropriately car, but in my mind I rationalized it because measures Let me with a skin. And most people don't think that way. But it keeps you you know when you keep it different people, one taken church where the child, one taking here the money that takes care of the child. It keeps alive cleanliness and you have a higher likelihood of playing.

Way. You wanted it yeah in that case, I'm not a bit. Fan of professional trustees, meaning like a bank, try opening one I wouldn't hire somebody. I would want a competent family, member and moms competent enough in this case, to be the executor of the state and take care of it then she's probably competent enough to execute that trust, special he covered all whether before you die Mississippi Sandy's calling I send a sandy. How are you dave better than I do, but a little translated about to say we were a little short on time. We're little short on time goes for your question. It's your well I'd like you to eight years ago, I started a little retire to business and has been quite well Missus, Munt alone, I am worried about eighteen hours a week and I like about fifty thousand a year I wouldn't want to get my part lunch baggage. I thought I have done everything

I really don't want to go check on a second job, because I'm Amadou Sixty dollars an hour. I have an underground large there's, no way I got their major Cuba. You kill me help me help me help me with a neat little hand away the devil, those numbers I could easily take such doing newborn. Ok, do a package on the watchman go somewhere weren't. Why do you not have enough customers? I know now are you I don't want to get into another, build, wouldn't come and money for part time work so you're, so you're working eighteen hours a week, because that's all the demands you have Life is not a phone and trust me I wouldn't want you know I can walk along more. Ok. We wish I was going to be the quickest low hanging fruit since are short on time. Referral based business- you got got incentivize your clients pass clients that have been pleased with your work to or further friends

My fall session spring session, a different type of whatever type obsession, just activate you're, client base. You have happy clients that are paying you good money for these photos. Sessions activate the activate them. Service based businesses, you're, sweet spot his word of mouth marketing. That's that's! Who does my here? That's, u cuts MILAN! That two takes photos of marble it's some one that will. I was referred by some one else. Could they did a good job so start how those pictures, your great unity, calls Randy. That's my girl. That's right! and they say that because chanteys gonna give him some foreseen

That's our forests count or something exactly good. Goodly goodly our oceans, copier pretty put business routine, and I think that will be of help to use. Well, congratulations on doing really well good problem to have this is that I ran to share this. Is James Childs producer of the Dave Rams shoe on your smart speaker. You can add our skill by saying Alexa opened the Ramsay network skill from there. You can listen to all our shoes Ass day, money. Questions like I do. I invest my money or what is the debt snowball find out? More Dave, Ramsay Dotcom, Slash marks

if you're looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel crucial podcast from money, expert, Maidan, Rachel crews, guises rights of creators, and I'm so excited to tell you about an ipod. Has a lot of you darling paintings paycheck their end as you don't even know where to begin that they have this need this wants to get in control of their money, and is that you have come to the right starts. So each episode during at a time of inspiration and practical advice, not subscribe to the rates of crucial podcast, makes region today nor more from the Ramsay network, including the Rachel crucial. Wherever you listen, depart, gush, hey, it's producer of the Dave. Ramsay show this: