Ramsay solutions. Ramsay we'd, better DOM casual gaming and paid on mortgage has taken the place of the medium w status symbol. Andy Ramsay, your host Michael O Day, Ramsay Personality Georgetown, leave fine rooms in that work, production all season of that part cash. Now in the books, you should dial but the word pod cash found and listen.

The fine print you'll learn a lot. Georgia does a great job with that. We talking today is always about your relationships, your money, your career in your work, and you phone number. Here is eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five, However, is in New York City Trevor welcomed the Rams issue. He gave Hate George Happy best sellers, Thank you, sir. We appreciate that. How can we help yourself? Regarding my student bone, I took out happily about seven years ago. I went to college when was unable to do it without kicking out loans, but between how I wish I could have lived, back in and at that time we had a Kosovo go onto that world. It was a family member. Didn't really want to do. It proved that it can be like a planet and unfolded

nothing that ever happened with it so far, and now that ever deeper up too fast to today, I've been paying off all that my one syllable dial and my question is doing that in a part of my why I recently received a toast each application for that alone, and I was curious what you guys, but about if I should go ahead, act on that casino. Willy Meyer, offering to release the coastline have never heard of that, because it's been a certain amount of time since I've been here a long after like four years so after I think it's twenty four months, they offer you to be able to draw up a mythical zeiner drop em,

why wouldn't you ok? Because that kind of part of my, why do I want to pay off in, like it's gonna, giving me my intensity to go hard core? So in essence like? I could take them off, but then I also fear like that would handle hold my progress. Although my motivation, why would a halt to progress? Was the motivation behind having the casino on their toes? I haven't been on there and makes me want to pay off even or to prove to them that it was possible to start with and that it was it was it. I note with a good decision at the time, but that I was trustworthy with that. Didn't alone is not gonna. Do that you're gonna. Do but the way you live your life, the lawyer you're, trying to make the student lung work too hard in this relationship dynamic bill. It does not have the ability to make his person respect, you dare sound,

I think you can manage your own motivation. The fact that you can ask question tells me that you can manage your own motivation and you need to let them go as soon as possible. For their sake, your sake, the secular relationship browser point in having a mole. Nursemaid lowers the risk of the overall situation. I love it. Yeah get rid of definitely yet I don't even know me. never heard of it. Shots awesome, yeah, yeah yeah. They figured it out laugh with them enough anyway to release them, and then you just be a uterus man up and say I'd. I gave up my bit much motivation, so I have to have a new motivation. Yeah positively one, let's just get a noble one. That's not me pissed off, somebody I'll show you If he's gonna show em it's. You were moving them as a co. Sign that media go on get now about it. Let some girl doesn't show that he's reliable sure unto his point, but but you know that something else to motivate you. That was my

distinct. Was you need a bigger? Why than the ship on the shoulder liar you at the family, that that was it anywhere, but I'll spirit of the intensity. You ve got to pay this thing off, but dont, let the family. Be the motivation. You need a bigger. Why man, you gotta, do it! For yourself, I mean if they can't look at you and say, look out, ever paid off Alors loans, while he's gonna. Let me off and caution always want he was going to do and I did it and it proved it if they can't do that. without being a coach honor, they can't do while they are kosher. Yeah they're, just gonna, be that guy can be the torp the rest. However, this is theirs commit war, and so that you know that asking the student loans to give the power to make them respect you, and it does not give you that power You being you, U Manning up you taking care of business, if you put hullo seat, that should be respected and then it's their choice. Whether under that are not Saddam,

this situation to do that, for you that that I would look at it, but it a it got. You started give it that, but at least I got you started in catalysts, there's nothing wrong. Will have an a little bit of shellfish naked. reason for getting started, but then you don't keep going well started a historic other pissed off at American Express would in arms. Stop it, but it's not my motivation in India in ice anchors STAR, but it's gotta turn into excitement about your future, though yoga good, good, Marcus is whether Sinhala hey Marcus. What's up, Mr Andrews. I do it better than I deserve. How can we help uniform I wonder if you got to help me out of my life would do for about our fourth kid, but in the next couple of weeks, Why should you appreciate it. We have a worthy Leopold that I used to work and I would piss off.

Or if he had come in word carefully, gonna need a new vehicle to be able to accommodate the extra child. You only have one can only have one vehicle, yes so? If we have one vehicle and watch it worth boy, we would say market value about five thousand now and what is it So did the regular Sudan afford you would all what you saw five thousand dollars a ban on your behalf. I felt more minivan. Ok,. The simple lesion is exactly the same place. You were, but his guts, each yes, sir, and she asked. They pretty, but that'll give you motivation of great as you get through baby step to and have some cared dangling there in front of you, but it'll get you for me to be of high level. looking for, we just want to know yeah cuz, we Ok, though the mark is crazy. Follow these vehicles it they look like they're up about twenty percent plus some they are, but you're selling one in that market to Georgia.

So you're selling us today on that's not a great vehicle and you're gonna buy a van, that's, not a great vehicle. I will readily philosophy, but but you're gonna, let just point you're, not gonna stay there. You noted earlier decisions by you get out of that, and we don't get ourselves moving and get this baby step to finish, then we're gonna get a better car, and honestly after Babyship three, it is what a whole lot of people do. They have. They been dropped I'm gonna freakin hoop d and they do a move up after baby step. Three, I wonder what procedures brats north of fifty percent of the cars those things everyone feels that they got up great on and when you're in dead. It's not the time to do it. When are you gonna get who do you you're out of us hope and we'd. This Dave its. Meanwhile, man, why

the car markets? Crazy right now, there's no deals to be heard, and you know I love a good deal. Georgia's got your house, you go. You know a day. Let me borrow your car thrown while you won't miss it too much I'll. Take your national, not about Michael. I will take your words our car, about your car. You don't like you wanted swept on. You know. I have good cars, not flipped on me, but all you got wonder to let me borrow it'll be all right. I got a spare, but you you're just three zero years, cheap, our we landed there. Thank you. This is the rams. Everything is getting more expansive gas.

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Code, Ramsay George Camel Ramsay Personality is my go home today. If you ve been paying attention are mostly market, you ve noticed the competition out. There is in part because available inventory is low inventories low. It simply means there are more buyers and sellers and that turns pressure up and drives the prices up, and it makes it hard to snag aright house sellers warning the right offer. This is not amateur our. because a house or sell quick does not mean that you to do this on your own good way. For you screw this up, you need a pro by your side, if you're buying in it's weird market, you need a pro by your side of your selling, this weird market It really miss out on tens of thousands of dollars. If you know it's a problem, the

just that we endorse our endorsed local providers. Years of industry. Success they're, not gonna, compromise your financial gulls. There pulse rate doesn't change there not running around like a chicken with their head cut off trying to get a deal done. They're gonna, walk with you, go easy boy easy boy, that's how you do this. Yet, money when you're selling it? Shall you get the best deal when you're buying it? You can certainly connect with all these endorse. Local providers in your area just go. Ramsay solutions, Dotcom, sledge Agent, that's a rams! trusted agent fine one near you during your neighborhood, Ramsay solutions. Dotcom slash agent archive some of the day, comes from blinds dot com. They are the number one online retailer of custom window coverings. You get free samples shipping, it with a new promos. They run every month, we'll save even more used a promo code, red We need to get the best possible deal today question comes from Britain in Utah my

if nigher in our early twenties and make about a hundred forty k per year with no. They're, dead other than our home. While weeks our income to increase once I graduate college in a few months. How do I Actually, the proper amount of life insurance if we expect our income to go up drastically over the next fifteen, did years, wow good problem to have in this situation the amazing. Does any one person working and they got one forty K covenant so do question though people think If I get my life insurance, maternal, we recommend term life ten to twelve times, their income and people go. Ok will fight. get that in place. What happens if my life changes? My income goes up. My goes down so too question about our friends Zander they deal with the stuff all the time, but you can change of term life. You have made much more and thus a thing just by what you need now, fifteen to twenty years, and then later on commercial, more fifteen to twenty or low and that's what I've ended up doing and here's

strange guys not true at moment in my life, but there was- period of time over fifteen or twenty years, that I was buying policies ever so often new ones. To add The coverage and some of them are starting to drop off during that time, life insurance, came so competitive that the rates dropped. And I was buying life insurance ten years later for the same price. Why? Although I'm ten years older and so it still is still very, very competitive and their store. A pressure in your place in that direction, but it's not like that and today, but the point It's not gonna cost or if they are twenty Hurley twenty, column, twenty, four okay, if you at ten years later, thirty, four and you a policy. It's not gonna, be brazilian dollars difference. It is different, but the difference twenty four, your own authority for your old is not it's not,

just now is not fifty percent or jump, and it's gonna think you're not gonna, see that much different. So just add policies as you need that a link the time you have coverage by the way. If you fifteen to twenty or every time and ten years later you do a fifteen or twenty years. So you got another ten years on the plan. Now, if you need it, and and that's what I have done through throughout my career here and now, and then you know at The point I dont need life insurance we have. Some of the joke has always been because But you Asher and watch it, but those powers. These are dropping off I'll drop to two weeks ago. They the end and I'm not renewal. and so you know, use change amount and I'm sixty. One are obviously don't need life insurance, but what'll happen as you just keep Adding in what you are doing. Is your kind of parleying? Listen layering it out here, and it's to remember what life insurance is for to replace,

your income for people depend on it, We ve got on questions of do any life insurance on my baby and I life insurance until I die, and we always talk about. You don't need life insurance. If you follow our plan once that, fifteen to twenty years up, you gotta it for house you're on your way to becoming a millionaire you're gonna, be sorry ensured tour you're, not we're gonna need to ruin your income, they can use. You know them from the life insurance of summing did happen within the policy. Invest that and peel the money off to live off of. So it's a great And its it worked for millions and millions of people, Georgia's where this Josh is in Huntington washed Virginia Josh. How are you. I'm sure you're you better than I deserve. What's up I saw one thank you. Are you planning to tell the buy it now ass, an earlier date, three, the paper house? Why, then, let us do their work thirty five without it has paid off.

Six years old, that may I'm anyway. thank you so anyway, I don't want to get much more time, but one we're doing, budgets. I know you do zero based budget. What comes into paychecks put that down And what happens like with your savings if you got Do you like some major new budget now? Instead, the word we ve got savings, and I wanna get torture so say we're gonna purchase of flights or trip I d How do I put that savings into that without an because about both the flywheel? savings in an it blows up my budget. How do I get this strategically to account for the savings are extra cash? above and beyond as much another thing, you have had a job at out: you're not blow up the budget, I guess you're be two types of purchases you're doing there are very large and then a small purchase, booking of flights, small purchase and let's say you booked a three thousand dollars worth of airline tickets.

The money set aside for your tree up in this in your trip savings, and so you just move the savings are in your checking and it shows up in the drop in the budget as income for that month and any ok. Now you just integrated in a large purchase would be that you, you know you cite a thirty. from bucks by car. Are we not running through the budget? I'm just gonna write a cheque for lab and discuss it. Checking account doesn't mean, come out the budget poker It makes the EU has broken out little blue, born on my budget over time. We did that kind of stress and well, I guess the differences, if you're using a debit card and shown up automatically in your every dollar, then you're move that money. That's a smaller purchase and you're gonna move that money out of savings over into your budget as income, so that it and blow your budget up, that's what's happening with an airline ticket purchase right, but my point Your bonnet are you're, probably wiring money under the dealership wish of our Ashiel check or something like that and so you're not necessarily running through every dollar.

if you do not run it through your every dollar budget than you, you're not gonna, run into this issue beyond simplicity of dissent. All right, I've got three thousand dollars for this trip when moving from savings to checking that now counts as income. That's than allocated to that trip in the budget Your vacation line item in your every dollar that point you funded from the top as income and then in their own by the way when you're airline ticket dismount when you're gone the trip? And you go to dinner that that same one in on you allocated over there and you to your summary minutes budget inside the budget there for your trip there for the drink? Your travel trip that's great there they're doing stuff, I'm enough to address them and twenty nine years old. There are seven right off the house very well done. it's beautiful, amid the guys on his way to be in serious, cherish wealth there and here's the thing about all that. It's a great question, Unbloody aspect: it is good to get the whole nuanced things these little issues where a gig gets tat more than structures run unlike a machine, were you just don't have think about it? You get you get it all up,

The machine registered guard runs right and you Jimmy Naturally, you started, it runs and your your systems, of systems and processes implies that run, and you do need to get those tuned in, but here's the thing. all. That means, as you're paying attention in ninety eight percent of the people, but don't win? It's not because of a new wants in the system, because any pension to get this guy goes beyond paying attention paid off his outer twenty nine is beyond

darling. You know now on the budget the applicant probably have no, I just you're dying in processes here and just take heart. Those of you that are doing this is getting caught up on some small, like that smile enjoy the ride, for figure now make the machine run. Lobbyists, mother, but you're fine, because you're paying attention broke. People don't ask these questions. Example. It comes down to exact George Camel. Ramsay. Personality is Michael O today in the lobby of Ramsay solutions on, but that three stage pages whether say page our ya, get. How are you welcome? Welcome? Where do you live so

City Utah tat a long way to merge. Well, yeah, always an excuse to come. The Nashville Right chairs were glad you're here, margin cold for you, so much doubt of your paid off twenty five thousand, a hundred and thirty seven dollars per you, and how long did it take six month while kick and your range of income during that time. Fifty eight to seventy, ok- and I welcome that- was the twenty five. All student loans are right: yeah. What your degree in sixteen design in management, with emphasis in nonprofit management open while good. So what do you do for a living? I am innocent. getting manager actually just got a new job started a couple weeks ago. That's a good good use that knowledge, they are very good. So how long you been our school three years in April, made you decide six months ago to turn this onto this Ramsay stuff. Well, a kind of

before that of like when I graduated, I would just lay awake at night thinking about these student loans, because I just hated that they were there and I didn't really know how to tackle them, especially because when I got out of college I was making fifty in it just felt. Like that's half of my income that I need to pay off in the principles were so high that every time I paid the next month, fella gives the same exact balance was so is really disheartening and then Cove it happened. There was no interest and one of my friends randomly had mentioned that they listen to the Ramsay Show, and I was like I've never actually listened to that. So I started listening to the podcast and I was like wait. I budget, and so I started to realize: yeah yeah, I was working from home and size listening to every single pod gets every single day it just really what a fine underneath along- and I just said, a goal that I would be done by September of twenty twenty and not at all first of twenty twenty I paid off the last of the balance she had to go just like that thing. Doing exactly that simple wow

was awesome well, his show. You use the fact that there was no interests during that time and you budgeted and you'd leaned in and did your income go up early? processor lighten the brush, I'm kind of in the middle sized started trying to look at different side. Hustle things coming, I heard on the pod cast a lot, and so I voice had an interest and interior designs are actually started, taking on a couple clients in reviewing arms and so that helped bringing about twelve k on top of my income. Why is the huge piece of it? I was one more years of your degree. You have your this all of your income because it was going towards debt was going to ask those some kind, a side also involved here: yeah yeah, rationally, side hustle, while variant of racism we want to keep doing or, if you like, I'm done for now, no Actually I love it. I am continuing to take clients and hopefully will transition to a full time clearing the future while Mobutu yeah for you for us. If you will be free, it's best thing. I can go to sleep at night without these fears of

losing a job and having the state to pay off. So it's been is then the best have to spend so happy in trying to get everyone to understand the joy of not having any debt who's your biggest cheerleader along the way. I had a lot of them. I had some really great friends. Actually, one of my friends when I told her he started the sink. The Dave Ramsay Podcast. I got an Amazon box. Melanie was the total money make over book a while, but the note said: love Lebron James, because I'm a huge Lebron James until I took a month for me to figure out who it was, but a blog is essential if your friend, I want to say out, o Brien James got me involved because your mail multimodal this year and then my family has been super Osmond supportive. So just had a lot of people along the way arrive on. Ok now could hurt you, you can't it is hard to do this and not talk about it. So when somebody says ok, ok, ok, ok, ok, ok, shut up. How did you do it? You pay off twenty.

Thousand in six months. Megan fifty eight make twenty five, obviously I've ever was a sad also. You kicked in that's away the numbers work right, and but what Toby relation. Ok, how'd, you do what you do to get out of it. You said you tell him what two things for me: one, the law of typing, being a religious person. I just know that like being committed to that that Christ, always as it says in helps, make up the difference in the second is budgeting obviously goes hand in hand with that of just making sure that when We know where your money going. You realize you have so much more money than you think you do cause I'm not just going to target every weekend and dropping money on random stuff it target and so which is all too hell yeah. Why? How we're doin with one I am a random stuff, while you're here impressive. So here's what I want to know page talk

the person who may be as like you but they're gone well, I mean stood alone. Forgiveness is gonna happen and I'm it has no interest in the payments. Why would you even make a payment and instead you at now making extra payments? I want this out of my life. What do you say to that person? I think they, when we wait for other things, to happen to make it so that our life is easier, where gonna be waiting a lot longer than we think we do, and I think that it does so much more instead of being told like. Oh, actually, you don't need to pay this before it's more like. I do of better human being and have more control over my money, because I know that like no I'm the master of my own finances and I'm not going away, the government to tell me that, like oh for giving no need to worry about this anymore. It's just get it out of the way and move on with your life and take the next step to becoming millionaire might drop while she says it was such a sweet voice. I now speak: but I would like, therefore, to take pictures.

by drought. But yes, that's exactly what you did a very good. Most people, don't even think it's possible. They don't think they can get control and you just decided one day that now I'm gonna petrol, I'm gonna be the master of my money. That's incredible were so proud of you, Jeffrey screams. You think you ve watched probably like at least three hundred woe. What's the lot, listen to a lotta day, Ramsay inside or outside it? Well now thought now I was just thinking because now you are that for someone, because you were laying awake and some by so check this out tall in the pot gases like this is a strange, strange, pod strange radio show and then am. I gonna pull up Youtube and watch some of these people to their every screams and then now that you that's a pretty cool, transparent process there, the chief Dante, we are in a very proud of your thinking. Well done, very well, then, how ineffective he'll be free again, amazing best.

copy of the brand new number one best seller baby steps millionaires for your. How ordinary people built extraordinary wealth in how you can too and I also give you copy of the total money make over and you can ship it to Lebron James Lightning because he might meet you never know, probably not a page from SALT Lake City, you dollar, twenty five thousand paid up in six months, Megan fifty two. Seventy plus the old home Interior side? Hustle very well done are a page gown, a download, zero dead bridge, Graham line to three I'm dead will go just like that. Why not the time to do it? It worked. Man works. Impressive young woman, inspiring inspire a lot of people that work like her. So you know it's.

Shit, she just said I don't wanna lay awake at night. This is enough. It's amazing how much real estate, our brain, how much free rent in our brain that we give these negative things and about talks about taking every thought captive and really and assist us what she does she want. I'm not live like this and I need that sweet voice and demeanor therefrom, here and there a lot a great while grip. That's a good word. Lotta warrior and she moved you now look in the mirror and said I can do that: yeah and my generation is just plagued with anxiety and fears and cynicism and ginger generation, failures and generally, but especially on that day, we love to complain, things, everyone else's problem, and we can't do anything to it- just happens to us ever always: ass right, every generation,

social media now sweeteners, blasted alot more than you guys, get you to have an opinion, but other than that Romania ever ever generations had. This idea is not its mean in recent in recent memory, unless fifty years boomers, two young, even those horrible boomers. That's right! Thank you for saying it out loud or I'll. Think in it

It's amazing what happens when you get control of your money? How much of that can go away? They are not cynical anymore. The anxiety goes away. You can sleep at night, even the boomers but deserved. This is the Roma issue, our treasure, the regime's thirty four nineteen, the righteous persian mayor troubles, but the Lord's delivers him from them all so much pain at the heart of the conflict, the more flourish, the triumph.

George Gammell Ramsay personality is Michael O today, as we talk about your life and your money, it's of Recall AAA eight to five five too Five Eu Japan and we will talk Karen- is in Washington DC. I care, and how are you crazy? Are you day better than deserve? How can I help well I learned baby spent to paying all dead, I have a credit card game of about twenty five thousand. And then I have three mortgages one more. you're just a rational property. There appeared Nike Maggie a ban. The other is my primary care and then my mother has left me wonder we have a mortgage on

My dilemma is recently lost my jaw and am Bixby and I was wondering an army tire rather than try to continue for another job. you have on no money shaved though well, I'm sure, look like hurry up about three hundred and ten. Oh, that's! Helpful, ok, good feel a whole lot better. Now and I'm ok. What's the house worth that you're, your mom left you? Ah it Finally, a word about one: what are you? I won't? Oh I'm back to one! thousand? What about the other rental, what he I won't get the money Oh an hundred body. No one was it worth.

It's probably of at least two hundred thousand or maybe to twenty five then the condition of man you're out the mandate. You We are less. Are you married now? I'm single! Ok! are you in your personal residents, what are you alone? It cheap boy, and what is it worth it about three hydrate. Will you hydrate, maybe twenty four recurrent breed fortieth of Portland? Let me ask you this crime. I think if I were in your shoes, I would want a real, clean and simple life Would lead me to shelling

Your mom shall shown the rental and pay in your house off with the procedure. You can get enough out of those two to pay your house off. You get the right. You have paid for house no bills out twenty five dollars and credit card. You need shop, those things up and you know you got get some money together and get those get rid of those, whether you take it out of your nest, egg or whether you just scrape it together and get them knocked out. But that's not that's, not keep. from retiring. You get it you. I want that to think our credit cards paid off and I take the money from the shell about two hours and pay your house off, and just read this in for second cuz. I know what you sold your Mama's house. I know you got a tear in your eye when I did that. Okay, but revision for, say you're sitting there in your house. It's the we thing you have to repair the ozone layer, nor did they would tenants It was insurance and taxes. You got your house in its paid for and you ve got through thousand dollars in your next egg and you ve got your social security coming in.

You're gonna. Be ok you if you do that for you, the old, relatively quickly laid off of me building. thank you, I think, if you go back to work you're going back to work to keep those are the two houses that you probably shouldn't gape right here, right here, right yeah so get in touch with one of our endorsed local providers on real estate. have them help you get those things listed. Let's get him sold, there's at and be said for simplicity and our lives for just cleanliness yeah. It's definitely underwrite and a lot of people, especially when you're sixty four and you ve got all these mortgages and you lost. The job. Edges adds all of the stress and your life when I'm sixty or I wanna be relaxed. Ma lax and I've ever been in. That's what I want for our foreign Karen here. You can see draining down that three hundred and ten drowning. Does one of those are the proper propped up here? It sounds like to deal with their parents and what she loves uneven act. I think a talker into it.

That was pretty easy. There might have been your best sales pitch, I'm I'm I'm shocked. Does a folder mom, trout, good salesman and you ve been a real say long time you get a future in this. You think it'll work out for me things in SALT Lake City, I Nathan. What's up, I gave my George: are you guys doing God? How can we help as I'm sort, of course, about what we should be doing extra time money. So me and my life, we just had a new maybe in November? Congratulations thank you and we have just finished our baby stab three, but I fully funded emergency fund yea had I'm Goin University Ethics, WWW University, I have two years left so sharply: continue on two four five and six Dignan Retirement and unified twenty nine for the baby, or if we should just be like what we should be doing at this point

are you able to cash flow, the rest of your school. We be able to. I haven't had to spend any money on school so far over for academic scholarship and I get the programme as well. what is your household income I make about forty four thousand dollars a year before tax? Ok, what should agree gonna be here biochemistry but I'm planning on going to medical school after Soviet, more school. Ok, think we invest in you right now. I think you get your. You finally got clear that and I think you just keep piling up as much money you can pile up before school, because your best writer I was gonna, be on Nathan yeah. So would you recommend putting that in an index thunders we discovered in the bank both use? Just you know some of that? Probably but the money

leaving alone for a long time. You can drop it into an index fund. But how old? Are you guys we're both twenty two me knowledge, if you drop it into an index fund, you're gonna, be fine and just loaded up and you how APOLLO money. You can get me I mean you don't know me here How does it make if we four thousand but thing we can do to make about this? Medical school was gonna, be the way to go there to avoid any kind of stewed loans and the house, and all that stuff, it's gray in the college lacking come later. That's all the other college. For the kid you get that trouble you gotta go be an empty and you know about the house. I wouldn't worry about my I'll, show you right now that is, on four Nathan you're twenty two years super young. You got all kinds of time here to do all this stuff, the other the other acquisitions in the other processes. If you're dead,

doctor. You gonna be able to do all of that easily and not be stressed that you're not gonna have three hundred thousand dollars and student loans than trying to go. I gotta my house, I gotta do all these things are good question. May I thank you for joining us. I think it's a good idea to remember. We are huge believers in buying in owning a house, but we do I agree with what mostly I will tell you in the culture which is Babylon rather second, everybody out of my house, my house, my house, my house, my house, my house, you'll, be out of debt. And she found in place- and you ought to be stabilized mean You're not finished we're going to jump in cities. and because company and allow the houses are super expensive and buying a house is a good idea when done those things, but about everybody should not by house no matter. Bro Bilbao should make you broker. It does not make you anything else as well: the column brokers, but

it's just I see it all the time people had twenty nine authorities may go well. There there's two things either outside pressure, that's gone! should by house what are you doing, unity or its pride, I deserve a house and bold origin or formal houses. I gotta go. I gotta get it, I'm gonna be ok, I gotta get him for the for the imo get placed on the market are gonna get in and none of those things are true. Now those things are true: you'll get there

you'll get their patients grasshopper, wonder. Who knows what that made? No one knows no borders that puts this hour of the Ramsay show in the books will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial these nets for warp daily with the prince of peace right Jesus they guides us is Jean see you producer for the real issue is no over eighty million people. Listen to the recently showed every week in a lot of those people. Listen I'm one of our six hundred plus radio station to find his station near you add to the ranch. You showed that America has a one point: seven trillion dollar student alone crisis and it's out of control. We produced a documentary called borrowed future where we uncover the underbelly of the predatory student loan industry and show you what you can do about it. It will inspire you to see that it is possible to avoid student loans and graduate college that free GO watch borrowed future on streaming platforms or a borrowed future dotcom pay its James producer of the Rams issue. This episode is over but check the episode note.