Yeah, live from the headquarters of Ramsay Solutions, broadcasting from the dollar car rental studios. It's the Ramsay show where that is dumb. Cash is king and the paid off home mortgage has taken the place of the Bmw M W as the status symbol of choice, KEN Coleman, Ramsey Personality and career coach extraordinaire is my co host. Today, as we talk about your life, your money, your career, and how

it all works together, were answering your questions triple eight eight to five five two to five show can This is an interesting and distressing part of our world. Today we did at rambling a couple of years ago, the law, just by far air tight research. The largest study. Millionaires and North America in the union, America ever done all the details, where they come from, what they think about. Did they their money where their career what's your marital status watch the race creed, color, whatever everything we can figure out and try, defined and to figure out? Ok, what does it take? become a millionaire, Canada millionaires, a million dollar network. For those of you don't know it's not a billionaire a billion

thousand million. It's a lot more. If you three thousand dollars, your closer to being a millionaire than a millionaire is to being a billionaire as an example. So it's not private jets, seven cars, ok that's not a millionaire. A million, dollar network is not that much but it is more than most people have theirs seventeen million millionaires in America and that's what you minus what you owe equals your network. Your assets, monitor liabilities internet worth. So, if you have no doubt, and you have made dollars in your for a one k, your manner that some that kind of thing Are we post on Instagram yesterday So what is society? Italy distressing that from this study. Not a feeling that we have, we didn't ask broke brother in law, his opinion we

ask real millionaires, ten freaking thousand of them. Who they are where they come from and One of the many Solutions we drew from this was the top ten career feels that we found according to frequency within the study, show who? What career did we find most often second, most often and so on Most often we found was engineer the second an account under sleepier. The third was teacher. The fourth was management. The fifth was attorney So not even making the top five a medical doctor. By the way there were six number sick. But they were not arriving in the top five We push that on there and to Graham and Facebook prove once again,

that humanity is full of morons, I mean fury comments after articles or comments after posts like this. You understand why some patient species, either young people, are dying. More than a rock out. There are a lot of mouth by some of you. Listening are dumber than a rock. I mean I never heard this is ridiculous. So here's the thing. Ok, we. On detailed scientific research to prove the sun is hot and we posted on Instagram the sun is hot. Some of you morons will disagree with that. Just because You think you have a right to an you should, stop before you post, something because it makes you look stupid. Ok was that your wife alarmingly, I've I felt like you- could have had a little bit more enthusiasm for what you are saying that America has lost a little fervour now,

Yes, we write you, this is data, and you know it's funny is like people what they want to argue like we're duping people like what we're just say it dry Cave, Ramsay teachers aren't really making that kind of money. Now, where I live, I my teacher teachers can't be millionaires. No way teachers can be millionaires. No teacher should be on their where the nurses, where the nurses. Well, you nurses get your button gear and I guess you'll make the dead gum last, oh, my gosh, or what their missing, what these brilliant mouth breeders have forgotten in this post is that has nothing to do with the salary. Has everything do it the way they live now engineers certainly can make way more money than a teacher, but it is have lived on less than they make they have saved. They have invested, they ve walked a clear path baby steps their babies, thus millionaires. That's what they're missing here they think. Oh, I know what a teacher salary, as you guys, are just making this stuff up. As it is you re declaratory. What all five through sharing common off our professions systems people, that's right: thou work systems, teachers, worker

teaching plan their lesson plan, they work a system and the date they Somebody gives them a lesson plan. They don't go, make up their own, follow the Marshall plan. Engineers. They don't make up their own thing. The bridge would fall, that's correct. They have to follow the system they to follow. The processes attorneys have to follow, process called belong. You know get a make it up. You have to actually adhere to a process all of it. Brought here two processes for a living and they take that same part of their personality and they applied to their money and while they become a millionaire. So what is the data on teacher income? Well right now the median income in United States sixty thousand dollars so now, but for some of folks start firing shy me on that. I said median. You know what a median anybody know of your men and a good teachers choir. She would have known your love averages. You just run your average, so there's no average is different than medium yeah. I yeah I know, but I'm say saying if you, if you look at the cross, the board of what

median salary is for a teacher at sixty. Now that means in some districts in the United States like, for instance, I got a friend who's teaching high school in New York, Upstate New York he's making over six figure. So this is a crime the board. You look at the median and now go okay. This, what you are looking at in the United States, but again it is about how they live on less than they make its. Not this studied was pointing to how much they make it was how much they keep and by the way there is one other correlation, between all of these millionaires, they love their work gap. High level, eighty percent around eighty percent. Are they m area this? If you invest from age? Thirty, two aged sixty five, decent grow start mutual fun? Fifteen per sixty thousand dollars. You have four points eight million dollar there it is now you can also far off- a bunch of comments about that, but was map you don't really get to negotiate with math yeah. That's how

works, just the izard isn't much. You don't get to make up your own world summit. So, if that's so, if more, you only one fifth as good as we teach right, I mean a family Box were appointed me, ok, you still have one million dollars, thirty two aged sixty five per day. That's all too clear, cut and simple for the keyboard warriors, there's gotta, be more complexity. Got a tear it apart. It's gotta be a game unfortunate. That's the sad part. The sad part is that we have a portion of our culture now who, rather than fix their life and address, The person in the mirrors deficits instead, once a narrative that declares them a victim there. It is that Kip possibly be true day, because if that's true, I could do it Perry, I finish, building you jake you. What do you know about my study? You just you just if your mom, was shut you when we make a noise- oh my god,

but J their mouth either. So the mouth can't Boucher shares seriously paypal. You really abstain from the comments reading them or commenting on. Oh, my gosh. This is the Ramsay share, something let's wait is fond of saying is if you dont know your numbers, you dont know your business that gets more complex as you grow. That's why we use nets sweet by Oracle. The number one cloud financial system across all of our business units. We get a real time view of everything we need to grow our business in one dashboard, gotta net, sweet dotcom slice, Ramsay right now to get their free white paper secrets of ecstasy of ours

Kim Coleman? Ramsey personality is MIKE Oaks today this is the Ramsey show up in phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five. Circle back one more time account. We can't let that late no reason that you and I both get show visibly frustrated with people that a victim narrative and in the stone spreading their victim narrative. We know from having worked With thousands and even millions of people that most? Anyone that follows a proven process can go, get a great job can get a dead and build wealth can have a good marriage, we know people that are that choose. To control their behaviour in spite of the negative

influences from the outside, in spite of bad things, having happened to them and we all have challenges, but instead, the challenges, we know that people can create for them. Carve out for themselves a good life if they bother when someone potion negative narrative this as our teachers can't do it, then some believes that or you're in co chamber with a bunch of people says teachers can't do it, then God helped but teachers believe they can't do it. And we know that that's not true and you then limited someone's belief in someone's future and you ve brought harm to them and we love people and we love people that were so much. We want them to win and anything that keeps them from winning, including you Debbie, Downers out there you're going to be at the, tip of our sharp tongue yeah. I agree with that and let me just say this as much as we will take shots at people that are constantly negative and cynical

I believe that we ought to do it. I can't do that. I feel sadness over that because, because you ve bought in some form or fashion, a false narrative you have had some Stuff happens, you may be, somebody did something. Maybe you made a mistake and you did something done that doesn't disqualify you from being a victor I've read a biography in my life, I've read a lot of them. Of where the the story, the person in the store that were reading about oh did everything right had no hardship had no self inflicted wounds had no disadvantages, so I have groovy, we get fired up on this because we are in the business of hope. We the business of giving people hope that they can be. Who they're supposed to be. They can do what they want to do yeah it kid. We really makes me angry when people just go. That's all a pipe! and yet it here ages and we live in a world today where people really are influenced shockingly by and I'm searching rather negative yeah.

Yeah. That's why I get a virus aside the negative, the negative, concrete here's my deal. If you really believe that Then why do you feel you gotta share that with everybody else haven't you who have the right to believe and say- and I will always fight for liberty to say it be negative and your that's it. You wanna be great, but d bring it around the rest of us now, countryside feeling ass, much to say what you say: nothing at all, mean life is too short passive friend of mine used to say it's not helpful, hopeful or promotes healing you don't need to say it. That's good yeah, it's not helpful hopeful or promotes healing you, don't need to say it, and I could take that advice occasionally to others called open to people stupid show, but I think that might have been though I think it was, it was a little therapeutic for both of you yeah me and you were healed yeah, but I will say this. I think it's fair to say that someone is stupid or unintelligent when they argue data yeah.

By the way, those the same people who go sites over here, but we're gonna. you said that we don't like any that you heard this until you don't like it. That's right. We here we want to hear we see what we were city man at just people. May then, oh, my Ryan is with us. Witherspoon Fresno. I Ryan welcome to the Rams, Russia. Go good. Man put up our eye so question for you I mean now, gaieties decision about four years ago, and I need your help getting out of it heads of everything we say in it Nandi many. It was a bad decision making rights for the compliment. But how can I put on what happened still my wife and I believe, on the property, with her sister, her husband again.

Twenty acres in how the primary house- and they had a mobile home on it. For my life, I reject the primary house under the reach of the mobile It was all agreed upon everything good. We decided split, the ownership. Fifty fifty you ve really, but they get the trailer thou what we agreed on your good negotiator, yet so I tell you a little bit more water for homeowners, ensuring that we are in Mary out, We do have the two separate ensuring just I don't know, that's how they worked it out. Do you wish? I brother in law here either I urge it to all the eldest place together or going on

me too by him out I tell you an agreement on how we want to do that? We are basically our relationship. Does showered, bye where's or Canada, at a standstill of how we can, we can go about it said yeah. I don't know why I don't know how much help I can be with the relationship. Part there's like. I have a couple of thoughts on structure. If you want those you went into it fairly. Fifty, so why don't you just have the property upraised and pay him fifty percent, but a great yeah yeah tenure Ok, why? Don't you ever variation you put in you have put in fifty percent right.

He got the shorter than the stick and lived in the trailer He wants to buy out. Why can't you pay him? Fifty percent of the value? What's wrong with that? Well, eulogium around one thousand yeah allow me to outline I mean I'm paying him. She wandered down their origins. He only eighty percent are very bought. Fifty percent of it you about fifty percent of it. We leader, on the home outright, though hang on a mortgage. Ok, together. Ok, then it's four hundred thousand minus the mortgages divided by two. So if it that you shine the total twenty acres in the two, the house Trailer are worth four hundred grand. Is that what you're telling me yeah, ok And how much is the mortgage.

We owe about three hundred and twenty on it. Okay, you're get that refinanced, to get his name off of it for him to be free. But you ve. Got eighty thousand dollars were the equity. You need a ride him a cheque for forty, not real. I know that in a minute, but your hand if you buy out his watch, why is complicated. I just I don't want to go into even more jet. I'm just I think, I'm having trouble figuring out how to I'm thirty help. Read the elderly. And then a cruelly to remain He got out of the mortgage but you also on the probably a hundred percent. Ok owning a two hundred thousand property. Now you own a four hundred thousand armed property So can you handle the mortgage by yourself? I think that might be the problem yet,

yet the what's your household income last year, brought about seventy two. You can't afford this this payment by yourself. Can you That's your household income. You and your wife highlights the earth stay, all ok, we grant a small family ouch, where we live now I'm sorry, sir. I don't think you can afford a four hundred thousand dollars mortgage or three hundred thousand or more rapid development on a shared view that our interests this does not work well for you

your payment, when you take this out on a fifteen year fix, should be no more than a fourth of your income. I think you guys are selling this property. That's what I think, and you guys are you and your wife are going to live somewhere else and your brotherinlaw is going to live somewhere else. It's a sad feel left. It's heartbreaking, can I want to revisit the lash collar, because I had a thought, though, right the brake solution, so let's revision he and his wife sister and his brother in law, for

border property together twenty acres The original california- and has a trailer on it and a home on it. They moved into the home. The brother in law moved into the trailer the brother you don't sound the rather launch out he wants to deal. They both put in fifty percent of the properties lay valued at four hundred thousand and they owe three twenty. Those were the facts going into the brake. Ok, he makes five a year. He can afford the payment on the whole thing if he bowed his brother in law out. I was my point. The breakdown of the shot like there can be forced to sell the whole thing I did have another way, because we shall also sit at the geese ranching on that proper account is or is not, getting rid of his house- was getting rid of his job, the sole income everything may all life's upside down. So

I hated to just throw him on the bus head and do a commercial break. So here is a thought for Ryan. You can subdivide twenty acres and take the that you want to keep and the ten that the brother in law keeps The brother in law sells his twenty acres, his ten acres and the trailer is on that he takes that money pays half of the mortgage off because he's liable for half of the mortgage. The mortgage is three hundred and twenty, so that puts it at one hundred and eighty did I do that right now, no three hundred and twenty and a half is not one hundred and sixty. Thank you. I'm the money! Guy, keep this in mind a little nervous hedge into that. To be honest with you, I did some quick math myself before I question Dave on that one I thought Dave. I had to take my shoes off under the desk. I told okay, so one hundred and sixty thousand brother,

all pays off. One hundred and sixty thousand dollars whatever's left from the sale of the ten acres after he pays off one hundred and sixty thousand. He puts in his pocket and walks away. I like that he's just been bought, now then Ryan has to go. Get a new mortgage for one hundred and sixty thousand only owns ten acres has no money out of pocket and he can put that on a fifteen year and survive making seventy five thousand dollars, but you're not going twenty acres Ryan you're gonna have ten tunic subdivided acres each brother in law sales. His takes the monitor sheets for sale, pays off half of the mortgage, SAM Ryan's Ryan's gonna have to get a new mortgage at the same closing title four hundred thousand, to give clear title to the new buyer on the ten acres by around ten acres and the brothers gonna get whatever if it shows that for foreign grant yeah whatever,

no one can sell hit by the law, can show his two acres, for he gets that money, minus one sixty years to pay off healthcare for the mortgage and then and can keep his property, but is only gonna, keep them can I growth, which is only ever had to start with, but because it was a partners, bond twenty acres. So now. If Ryan. Twenty acres to run his ranch. I don't they he can afford. There's probably up. That's the only aspect there are now one so and you're gonna to find a way to subdivide in most counties in the United States of America. You can subdivide twenty down into it in a very few places. Keep you from doing that and I shall it off and on the brother in law got what he got, that you have not argue about what it's worth. Let the market tell him what it's worth but he has to bring one hundred and sixty out for his half of the mortgage. Alright, now we got there. I feel better about that solution.

Jonathan is with us in Fort Worth Texas. If I pick up the right phone line anyway, there he is Jonathan's in Fort Worth, hey Jonathan. How are you hey Dave? the great things were taken. I called today. What's up, I have largely been Dave Ramsey for a year and a now and crucial year, will backgrounds we're retired military military retired in Texas, but through that process we had a house. Another state capitalism and talk about the past two years. We finally got it on the market and we're going to close on it next month, The question is the girls that we learn from the saw the house you we. That all our more deterrent taxes we also have about twenty k in a traditional irae, or do it to all that to arrive,

are the remaining balance to pay off our taxes, mortgage, while Nothing in the list is dumb. Both things could be the heading of smart according to what we teach on the baby steps. I would pay down the house in Texas, because I dont converter Roth until baby steps. Seven. I don't I don't want create taxes until I get my house paid off, And so on, what's the balance on your home in Texas in about two that four hundred eighty k I wanted to to five percent. That law and broader show the simple mouth. A thirty year mortgage, it was cheaper at a thirty but we're paying it off at a fifteen year rate plus a little extra. I think about on pace to do but about a level just how much again for eighty- And what are you? What are you much you're getting from the robbery that resettlement our expected,

gross about two hundred kwh- oh excellent, okay, yeah, I was throwing at the house. Okay, here's the deal I don't want to create taxes and give the government the tax money. While I still about house debt because effectively then borrowing on your home to pay the Roth. Taxation, you follow me. Ok, that's why I did that. In other words, if you Let's just pretend that you ve you out too thousand dollars on your house hundred, and eighty thousand Africa and you have the operator to convert Iraq Roth, but it's gonna create tuna thought where the taxes are? You gonna go borrow two thousand more on your house in order to convert or Roth. No, if you this money to convert to Iraq. That is exactly the same thing in a balance sheet scenario where you later, about you create the same thing, you did it in reverse that

I decided not to do that. That was the thinking critical thinking path. I use to say I wouldn't borrow my house to pay taxes on a converter traditional to Iraq and I won't pay taxes converting. Traditional to Iraq in lieu of paying down my house, the same thing but backward at all, that makes sense, I was following, but the speed in the past, by which you do it as it is. I have to really catch up and we would do you. You know that thirty five years of doing this spring good folks, ass, pretty good stuff. Well, it's nice, not rugged, but I am, but I have to think about how it is going where in, if at once, I get that, then I remember why I have the baby steps because mass tourism allowed us we're doing you made your ear clear path if you shut up of of Europe your steps of

the set of legal clarity and doing things you're right here, there's a reason that there are their right and when something comes up and you go- I don't know. Yes, this is an exception and you go, because that's right, here's the way I did they walk at their story is the logical may lose out. Then you can understand. That's why the baby steps still work after all these years. Yet that's why you're clear pattern? doing work. You love was younger work here from an order they get. Where were you when you walk idiot? What it does is by by using that method? in the way you you can illogically worth. That also takes out the emotion which I think is so important, because our motions get in the way. So many times just could be a little emotion. He doesn't have to be some big down full fearful thing. It could be a little but a day is the right thing. I'm a little bit nervous about this. There's a corner b of emotions that can get us into place. Rico always walk through this from a process standpoint. That's the power process,

so much of what we, you are trying to info she got to do is is a proven yes process and his question is really really good. Oh yeah has a high level question very resolutely and and its also really good, because neither answer isn't stupid column. That's

It's not like he's got some bad option. Do I lease a car, or do I finance a car yeah? Okay, both in a stupid column? Right so do I get a mastercard or a visa? That's in a stupid column, discover or american distress yeah, yes, no, both in the stupid column, yeah, whole life or universal, both in the stupid column, payday, lender or timeshare both in the stupid column. Both of us were in the smart column. That's right! This is the Ramsey show bye.

KEN Colman. Ramsey personality is my co host. Today. If you been stretched out about your retirement savings because of everything going on the world, should you really it concerned? Are you just in freak out money? downward, yellow drama acquaintance out of us right may as well and that's? Why you need somebody in your corner to help you with this stuff? You need someone walk with you when you're freaking out to teach you to talk with you talk you off the ledge and go jump off all right or in the middle of the ride. That's what you need to be reminded of comes to investments. What we

Commander Smart Vesture, proud of their investing professionals that we ve carefully vetted some. Mr Prodi, you have the heart of a teacher and I agree with us on what we teach text invest Thirty, three, seven, eighty nine and you find a list of the investor approach in your area where of them will sit down with you help you with a return. Plan help. Then I or a roll over for a while Kay roll over help you get kids college set up. And then when the market goes crazy, you can even talk to them about it and they'll tell you what's really going on text in vast to thirty three when eighty nine Stevenson Phoenix Heist, even welcome the Ramsay Shell how you doing it better than I deserve. What's up, so I mean it's you, Coming that free up my mortgage us. But what do you mean

the floor, and I want to know if I should tell my house in Arizona and pay off one cash in Florida. If you're moving to Florida. Yes, the sole purpose of that question. Are you move in Florida, just for cheaper housing or removing fur for purpose for professed all for family. What's Goin on I run a crypto mining business out of my house here, but I'm in an hoa and we're looking for states that I guess more leaning towards the red side, more freedom, oriented, but it's hard to convince my wife, bizarre here, because we currently have a mortgage to just pay for a cash already Florida without an each away, so I can grow them. Well you and your homework on the specific spot in Florida. That you got mind here is this: is this all theoretical now

Sergeant research, I'm looking nor of Orlando near the land area, prevail Running agar, so we're looking for them. Like a mining shed. And a convincing my wife to get on board idea. Tat was gonna like a big filling up the risk. Why is there not a risk? I did just a bit Change, I think, can she's is worried about it, Maybe the mining business not working out in the future the market. Does not always profitable ride but that's true in Arizona and in Florida, yeah, exactly So far, no mortgage in Florida warrior An unbelievably high risk business would be lost. Stressful than having a mortgage in Arizona while you're in an unbelievably high risk business,

How old are you going on Think your wife's telling you she doesn't like what do you do for a living for risk? Wise, I think that's what's happening. I could be wrong. Could be some family involved than one. The family I mean this is this: is it the issue here: a system communication sit down and get on the same page together. The problem is you're trying to reduce. Your entire life, which is your relationships, your church, your where you shop for growth, trees where you were, how sure to relatives. All of that down to a decision on whether you have a shed our mortgage, And it's not it's not that simple, there's more variables involved, and even I want the variables is it that you

unbelievably irish business and on the year, your wife- is, I think she may be saying that to you maybe she doesn't even know she's saying that to you, but that's scaring her, because but but it's not as simple as housing cheaper north of Lamb out north of Orlando an hour. Then it is in Phoenix which it is but there's parts of Orlando they're, not cheaper than faint show. You know if you go north of Phoenix will not north of inaction, but if go outside a phoenix on our probably not northward Sedona, but different direction. You might find land very, very cheap there, too, without an away if you sold your house in Phoenix proper, like you're sitting in Scottsdale, which is a very expensive market, you could move out of there and probably pay cash for something an hour outside of Phoenix. So I don't care where you're,

yeah, and I just want to point out that what it feels like David said: okay, this is really risky. It's making my wife nervous, but I can buy some more time to keep going risky business. If I remove my mortgage- and I just need a little more time- and I feel like their son there- that's that's, and I would also point out the dead knows. The governor of Arizona is a very, very strong Liberty champion solar zone is not the point Dixon errors are not order at eight, none other no different. So I just want that out I'm trying to take away the excuses Josh's in Nashville, Hi Josh welcomed the Rams Asia. They sure what's up hello, hello, what's up Ay ay always always gone, asked a question about them: student long God, I'm a position at this I just got married, but a year ago,

been working for a year, Congrats yeah. Thank you me and my wife have. We have a lot of minor teddy now consider anything We don't have a car payment, we're renting a townhouse, and we just don't know what to do. As far as paying off loans versus starting to invest kind. Where to even start for man. How much is in your checking account forty Gran checking and then close by alone early. He separated out I'll come to a decision. Sitting there kind of doing nothing and your wife is what. Cuba is between this barbarity. She works and home right now devoted to phenomenal careers with I'm down potential. What your household income right! Now it very

because I work in the emergency room, so ours kind of swing, but generally it will be from one hundred and forty to one hundred and sixty yearly. I think both of you get kicking in. You probably break the two hundred pretty quick between the two of you very good. You gonna good, ok! Well what we know what data data tells us in thirty years of doing this is that the quickest way. Between where you are now and wealth is first to alleviate debt because, as the biggest blocker for you own wealth building and it s react to your life and so attack the student loans with a vengeance If I'm in your shoes and to the point that your friends you ve lost your mind: ok Can I get height beans and rise russian beans budget, we're gonna, take all the o t we can get and we're on drop Thirty nine of the forty Onest student loans that day and we're gonna, put a pipe written budget together and big to attack the rest of this. You will be blown away that you're gonna be dead, free,

under two years may be as quick as a year, our, but have no life during that time? You understand here the wizard. You know what you're analyze anyway, no spend money with. We she became uneasy. And found out? You know next year, but what have you done? Nothing except pay on that for one year and you made hundred and sixty Oh by the way you said you had one hundred and fifty, but we just put thirty or forty on it. So you got one hundred and ten. Now I mean how quick can you of one tat. If you didn't do anything else, you might do it. In a year goodbye guerrilla warfare. Then you have your whole rush to your life to become wealthy. Without stinkin, Sally Maidenish per bedroom, yeah that's what we teach. What do you think about you know because the more we about annoy you think, I'm a we having that any. What he'll get your investment, if you remember two hundred and something thousand dollars a year and no

dad you ll be able to invest like a maniac era. Well I told my wife, my call and ask, but everything you're saying she said you say

Oh, I think she set you up. Yeah hang on I'm going to give you a gift. I want the two of you to go through Ramsay, plus our financial peace University, and I'm gonna give you Ramsay plus membership for a year, because you guys have got real potential. If you follow what we're teaching I'm going to give it to you free, don't cost you a thing. I just expect you to watch the dead, dumb videos and go. Do what we teach. I want you to win hold on. It's our late wedding gift to you. Kelly will pick up, have a friend or family member. That needs a daily dose of Ramsay advice in their life. Let them know about the Ramsay call of the day podcast, it's a quick hit of advice about life and money in under ten minutes check out the Ramsey call of the day. Podcast wherever you listen to podcasts hi

like you're in a rut 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 Wright Show where Christie inspires you to break through your limitations and create the life you're proud to live. Hey all I'm Chrissy right. You know it's so easy to feel stuck. You live life just going through the motions, doing dishes, doing laundry carpool lines and a whole list of commitments that bring you no joy. Why do we live like that? That's why I want you to check out the Chrissy Wright show. Each episode will help you build confidence in yourself and the God that created you hear more from the Ramsay network, including the Christie Wright show wherever you listen to podcasts, hey, it's James user of the Ramsay show this episode