Borders of royalty solutions, broadcasting from the dollar car rental studio, judge, Ramsey, show that is down carriages and paid off a mortgage version. I feel obliged to Bmw status, symbol of choice, the voice of retirement, the voice of millionaires, the voice, the voice of money, Mr Chris, Logan Ramsey personality is my co host on the air today, open phones at eight hundred and eighty eight five hundred and twenty two eight hundred and eighty eight eight thousand five hundred and twenty two

So how can or you able to keep the lonely under Control Doktor John, under control, while I was gonna variables full time, don't don't leave that up to me any more he is a wild card. Now he did a great job. We thought we had a lot of fun a taser underneath the best grandma like yeah, kept him in Lyon. Corruption keeps him on target, I'm bigger than him focused yeah No, that, yes, I am and scary. Open, follows as we talk about your life in your money today, Chris Augener, here to help you do that open phones triple eight, eight to five five, two to five Alan STAR. At this hour in Kentucky Island, welcomed that ever amnesia Deva Critical gonna get to speak about you all. Today. You, too sure that course today, Bomb MILAN, computer, you're gonna, like fifty a ten year old son out

in the middle of March, due to lack of work where employer, because the code with nineteen and fully I've lost my job there right now, money that I have found in the herb must made unemployment benefits, apparel unemployment benefits, they form a beneficiary array and a beneficiary annuity. While I think com table one had been throughout the pandemic. What made off. We started claiming tat of cash. At the moment and we don't pay our minimum payment. I everything we would therefore either well we'd have about three or four months of expenses. Data left for baby step. Three, got a chance, maybe have like six months later, in the July. But my question is: should we at this point? go ahead and continue to say tat personally start paying ordered it. What does she might? She last year was around forty seven

What do you wish to make an urgent matter? Twenty MA am at like that to get a minimum distribution farmer, sure I know down another bump your ears Rare you were making thirty grand and you lost their jobs, lousy job hunt going. Well good. We got a ten year old Weed and Kentucky we're not as far as mail to get held a can from daycare and stuff, and I actually open them back up for next week. And during the summer months- that's what we would do. Son. He would typically go to the different. They cancel that throughout the world a lot of them are still on home because But what are you haven't even large, correct department hard, so you haven't even looked no warning us our looking. Potentially, when school thought backup in August. Why? You think that I come from an open next week.

Where did he go through? What about other information on the Abbe concerned about getting back and get back in the saddle? If I were in your shoes in July, twenty fifth is unemployment runs out and on you're gonna be you're, gonna be getting back to normal before you stop pop star top piling up cash, I think you're either to Alan. I made you are aware that in July, that extra six hundred a week goes away right, ok, and so you being proactive right now, I'm if you guys have family members where you live, who do ok, because he s were stepping out of the box. You start to look into thinking your kid go over. There you're working, but jobs starting at that's. My fear, Alan, is that a lot of people are sitting back and waiting until the

the July to start to be concerned and the time to be concerned is now the time to be proactive is now so you you to put yourself in a better situation before the money runs out. Otherwise, there's gonna be theirs. Glut, Dave of a lot of people better? Try to job start, something that could have been an easier start, early, we have forty million unemployed, the ones at our own unemployment are all gonna be looking for work July, the twenty fifth yeah. I would get it ahead of that line. I don't want to be in line behind forty million people. That's exactly right and, as you look for a job, if it might not, in your area, choice and it doesn't matter I heard you say that years ago, it's easier to and a job when you have what you and so get some money come

and because it will just stranger psyche, I want you. Did it tat the answer, your questions? I want you to stabilize on the career side before you stop piling up cash, because I don't want you to come up short and I'm worried that your strategies gonna cause you to be unemployed, passed when you think you're going to it sounds like you think, you're going, no problem as soon as the childcare thinks, right drought or goes back to school, then have been published, picking up job, which is good news, as you make thirty thousand hours you're, not three hundred thousand those are harder to find. Show thirty thousand easier to find. So you know that's that's the thing I would get after and I want to get in line

front of all these people that are gonna, wait o absolutely, and this is the time to dust off your resume start reaching out to people, friends, coworkers. Let people know that you are looking. Don't be so picky right now that you pick yourself out of an option now, I think I'd better more urgent than if I were in your shoes than you ve been on this so far. I meant thanks for the call our add up next she's gonna be Sheldon and why an eye, Sheldon how're you doing going. Are you done this? Because you get your treasure what's up look, I got a question about expenditure and then some research. I got a little money in Iraq. I re on mutual funds and x and not heard you talk about expense ratios and basically my question is an arch. I've talked to some people at Vanguard and bright and they say that they say you're too pentroof shows when they show you the performance of the mutual fund during it I'll tell you

we ve spent ratio, and I dont know the expense ratio is calculated in need before they tell you that this Rachel Fund has a twelve percent return is that before they usually give you the total return, and if you want the average annual you a divided by the number of years that they give you the total return for and then your expense, Russia would come out of that, and so that the trick with expense ratios is this. You need to think how long you're going to be investing and look at the expense ratio for that period of time. Typically there. You know they ve got up a one, three five and a ten year expense ratio and allow the prospectuses and maybe a little some may have a fifteen, but you want a long term because your ear investing for the long term. So when I that, then it obviously you amateur rousing any frontline cash over that period of time it lowers the expense ratio. Overall, I will tell you this: I it's there,

I spend the least time worrying about. I glanced at it to make sure that their not written me off right, but I would there, have an expense ratio, that's a tick higher and a rate of return. This fifteen takes higher go. I spent all my time on Rachel return, storage of return. You don't wanna, know out in their own blazes yeah, that's exactly right! Michael host today here on the diver amnesia

ok, listen you're, cancelling the travel plans, which include your trip to that ridiculous timeshare that you got yourself into, even though its paid in full. You have these outrageous fees, get rid of it call my friends at timeshare exit team. If you make the decision by June thirtieth to work with them and you pay cash check or use Ach auto draft they'll, give you an exclusive offer with big discounts. Just for mentioning you want the Ramsay Deal colleague for four nine: nine nine exit or visit timeshare exit team, dotcom use the promo code, Ramsay Southern motto: host: they ran, showed a direction personality number one by showing author of the book every day, millionaires and above returns part so

as we interviewed millionaires for the large in the just study of millionaires ever done in North America. In our view, over ten thousand of them, whether research team for your book and waited and of doing the book with a hundred forty, the statistics in there in the book everyday May enters number one best shower the are the quick aid is now out of the white Paper that a quick read if you guys want all the details of the white Paper, if you have trouble sleeping nerd out on all the details, are the main energy, but the bottom line is out of all of that. We did find that one of the key things that almost all Millionaires data was north of eighty percent of them. They consume currently invested in their retirement plan. Roth I raise and or for a one k and almost every time and mutual funds never,

when we asked them what the key to building wealth was not one time out of ten thousand million did someone say I got the lowest possible expense ratio, alma mutual funds, drawing it did now some of em dare mention rate of return. Yes, I was careful to manage rich returned with their adviser or on their own right, but their watch, the mutual five major it perform but none of them said you know I didn't pay. By I gotta- go deal at my expense ratios. What may millionaire never comes up? No, it really does Dave and because this industry. The financial world has so many nuances, and so many acronym in terms that it can cause people to lose sight of the real deal, it's inconsistently investing overtime and a good brighter.

And a good rate of return, so you can outpace inflation, because the difference in ten and twelve percent is not one further one. Six, that's right! When you put on a compound interest curve, egos bananas, It really does two percent differences a lot. So, let's talk, the expense ratios. Expense ratios are a disclosure in the prospectus. When you buy a mute of one. That is a combination of what your commission all, if you're paying your commission on the fund of its aid loaded, fond and Recognition and the annual mindless face. That's right, which will be one face. Your call and any expenses associated operating mutual funds charge to you. The investor are included in that number, that's right, and so, if you buy for it what are called a shares, which had what I usually by Europe, pay Egg investment adviser registered investment advisor. Up front or if you want to do it in a management contracted the one you're gonna pay commission either. Why Europaea one percent annual

near total outstanding balance or you're gonna pay five and three quarter approach, which is a nature: ok, seven dollars and visions per thousand that you invest until you hit break points like fifty thousand hundred thousand million drops rhenish drop in what right charge, but this commission if they paint. If I pay a commission up front as I by the fund, and then I don't, then I get a lower annual maintenance fee in order. To show up that I've got a better field before you go ongoing, you ve got look at it over a ten or fifteen, your pretty tough, you look at it and one year it's you would just be destroy. That's right. You're looking at the expense ratio total all like expenses. Why percentage of your money going away too expensive over a long period of time. Now, here's the thing So if you had, I know, load mutual fun like a vanguard, be five hundred, which is a classic.

Everybody talks about her by buys about, but Bobo heads all those guys are another passive, investing right which are by the vanguard occasionally about a park. Some money there can who's, not an evil fund by any stretch, it's great fun. It's going to exactly with stock markets can do your expense ratio. You're one is gonna, be really really low because you know commission and overtime. Then you look at now like two years ago, I pulled up one, and I haven't looked at it in a few years- are not sure of the still accurate, but you can look at there used to be an open call, bugger one hundred and pulled up this burger one hundred fund and it has an expensive. It's a no load fun commission men, expense ratio, the annual minus phase were so how you wished. You been paying the commission because they charge to you every year, so their expense ratio was almost double what my commissioned mutual why expense ratio was over your period, it up because our so stinkin high right, even though there were in

While air quotes Noah right, you aren't getting charge the commission, but by God, wished you had that's right when they finished wait, that's exactly right, so you can look at that cast up here's the thing what people what you said earlier, that they beg cut off unnoticed by their face and they're going to boot. I got the lowest exports ratio, but I got a fund. That is mere eight percent or other funds? In that same genre, on performing a ten or twelve and so yeah, you saved a four percent over here, but you gave up performance of three four five points rang and so David to me. It's a lot like in the mortgage industry where people would get so caught up in the contract rate, they didnt pay attention to the annual percentage rate exact, and that's where you Have this contract rate of four percent but their charge, three points on the back. I would tell me, you, ve gotta, learn the overall math and the beauty of it. This now, with all the nuances in the financial world, you don't have to learn it.

Figured out yourself. We ve got smart best approach that help guide you yeah again most of their monogamy, showing you know, love they can, if you put em on if they put a managed fund poor I didn't do that they can Robin and their determination to be your. She shares and recommended that that's all cool lot. Doing that lot, our age or go in that way, a lot of our smart, Mr Browser, go that way: either waste, fine bottom line is, I spent about five percent of my time. I am one, I'm analyzing mutual fine, looking at the expense ratio a glance at it right and if it's over to our guard, kind of issue right over a ten year. If it's, what, if it's over, to that's, how I may and I'm really looking at what the crabs goin on here, but of its nor of its work. With a warm but south, to underscore move on, because then I'm starting to look at comparing annual rate of return,

over a period of time that historical were out links to historical performance of the fun and that's how I personally pick my funds, because, if you say, quarter of four percent, but you lose out on two percent: a performance give law, you didn't. We that's exactly right and you get a slack ambient cheapskate, but about some so cheap. It breaks you. Where is the same kind of thing? No, no you're, absolutely right, but again for people whose eyes just glazed over as we're talking spends ratios just understand. You ve got a smart best approach because the car wreck resolute, but you can have this conversation- asked the question and have a dialogue. Please don't ever be that intimidated that you won't ask them. I promise they will talk with you, not at you, yeah heart of a team What you're? Looking for? You need to learn these kinds of yes, but I m me when I first got over this goes on such a nerd. When I first got much kurdish lessons on November twenty two thousand years ago what idea, but how much time down and other stuff

came to realize it's just a matter. It's such a scheme! a percentage of the decision, making that you should be doing that that if you look at a good rate of return, Michael performance read your mutual find that way and be steady overtime, you'll be made, and I'm tellin you that's what these millionaires. Where do they invest fifteen percent of their income over time? And I'm telling you it works. The recipe works are questionable. Comes from blinds dot com. They have a one hundred percent satisfaction guarantee means. Even if you miss measure, you pick them color. They re make your window blinds for free. You get free samples, free shipping and with an approach. They run every month, you're safe, even more use a promo code Ramsay and get the best possible deal. Our question grace so today the question is, I make sick This is what will in Kentucky says. I make sixty thousand a year and I'm twenty three years old and pretty good I'm starting on me. Step four and want to know which Roth option to utilise the six

thousand dollar maximum into the Roth, I re will only be ten percent of my income, but should I always the max and of that and the rest until my Roth, for one k or put all fifteen posts into the raw for one day. Well will first for most. Whenever you hear rod, I want you to get Tingley goes. I do because that means after tax growth I would go into tax free tax, free growth, and so it's grow and grow in the government can touch it go with them. For one came, my friend, you can have a great opportunity to be able to put fifteen percent there and stay focused. The only way I would not do. That is if the mutual funds inside your Roth offering shock get well, then I might do more about your ten percent in Morocco and personal,

and then do the rest on the four or one caring for what to do. You got decent options are therefore one guy got exactly what Wkrisha do it. This is that I am. She shall people

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we're so happy to have people here. Indeed, their good look group people out there, too, yes, I mean accept that one guy who's Talking about me. Data quicktime about me about were speaking to people on the dead free stage right here, doing their debt, free, scream, Jason and Cheryl, or where this hey guys area painting. Now we're so excited to be here our honour to have you guys? Where do you live tat before the oak? Who made the trip up to from Florida. Tennessee things are part of normal in far too these days. Aren't gas second around on opening backup, yeah. Well, I'm glad will welcome so good to have you got much debt of your off two hundred and thirty, five thousand five hundred and twenty four hours in sixty eight cents why? How long did it take thirty seven months, can you arrange of income during that time started it? Undoubtedly, ten thousand ended up

forty two thousand, when you guys do for a living, I'm an office manager and I work for the county. I help parents who are addicted to drugs, hopefully get their kids back after they ve lost up. Oh I'm not gonna hate. What did you pay ya. Tell me the kind of debt you got rid of this two hundred and three Five thousand out loud. First we paid off our car. Then we paid off a rental house and then we paid off our house while You cash flowed all this. We paid off two houses in a car. We also cast flutter pool during that time. Also thing out of savings now who's. Savor in this couple. Put his head. What that's great aspirin yummy near this! This is a painter mirage budget in that area. You paid up the house and everything again we right up to house look at where pay your officially. We got the t shirts to programming. We live with weird with we love it very cool, so terms

story. What happened three years ago when I started aside hustle, I do social media marketing and one year I was sitting with one, my friends outside of work, and I said to her how I'd made twenty five thousand dollars that you're on my side, hustle and Let me share all what did you spend that on and I was totally clueless. I couldn't think of one thing: I'd spent that twenty five thousand dollars on and I came home to Jason and I said what are we spend our money on and he had no clue remove man. I just said after point. You know my side. Hustle was a blessing for us. It could go away to Morrow and I did want to look back five years from now and wonder what we had spent money on where it at once. I wanted to put it towards something and be able to have you no accountability, for I want to know where went was disgusting to feel like ago, I've nothing to show for nothing yeah, so how'd you get in touch with us. While he had followed your programme before

and so I said you know how to we. What are we gonna? Do we need to be accountable for this money so he's? So? Why do we do Deveria Ziad kind of in Davis before of the past, so we sat down. I bought your total money, make overbook. We ready. I list to your podcast, twenty four seven when I was in the car for three years, stray my friends would get in the car It's so annoyed that I had Dave Ramsay on again. We went took up alive events, one I hadn't Orlando's has kept us focus. I had to stay focused so filtration. You open the began a worm when you should go to that over him to think she was almost a little yes, yeah drink coolly began Y, all or nothing There are enough intrepid girl, very cool, so Jason after this is done. Hauser feel it's incredible. It just was it worth it? Oh, yes, will you gotta go back and never never, never, definitely Dave, and I do want to put out there also seventeen years ago. I was

was addicted to drugs. So here I am seventeen years later I own two homes and I'm just so grateful for your programme, because, through my recovery and three your programme. I am like a success story and I just want to build out there who are suffering from addiction and know that they can get sober suffering from financial stress that they can get through it. And then, if you're dedicated you can you can be successful only over twelve years, how long you been dropped seventeen years seventy year, seventeen years ago, you go get em.

What kind of drugs for you dont cocaine, one for you tat. Other hard won a kick. It is our now I help people who are addicted only. I guess I get their kids back now. Oh yeah, your job, real meaning. Now definitely does so. I've been working in the substance abuse field for for many years, but you know little walking, poacher trial on this can be done and how you can be homeless and living on the streets. And now we onto houses skies dilemma the great merge great kid trembling. I heard so blasts and so proud of you. This was very one thing, we know when the kids was when we started this journey. We made them make construction paper rings for every mortgage payments in two thousand dollars for every ring and they drew our house and we hung it across our kitchen and we had in forty three ring is hanging across the kitchen and every month, when we paid off from payments, we make the kids cut off each ring and tell us you're doing a well. Our goal was into on our house and what that meant to them, and these are the final six rings.

Cut the holder. The third time- and I will never forget the no never I read the return. Their grand key ajar, murmur, Mama puncture drug favour, growth, kid you know we buried offer our and the Teamsters kept getting smaller and smaller and smaller everyone changed your family tree. We add Charles, two of what you ve done. Young lady. I am very proud of you. Thank you in that journey. You had people telling you what you could and couldn't do, and really curious. What got shoe to the point where you started to take control? What got you through that dark period? To get you to this light lack say I got arrested and I looked back in my life and at what doing with my life like I went to college, my parents didn't raise me this way. I don't want to be this person and I need to make some serious changes, and I know that Eddie A life you have to put in a hundred percent view only put a ninety nine percent. You're not gonna, be successful. That one percent will get you

time so I said you know why I'm putting a hundred percent into my recovery, changing my life becoming a better person in giving back what was given to me now shall pay enough to earn thirty six thousands of big chore, but not after you, ve clams from other mountains. Now, definitely pretty amazing! You guys hero of your very well done our Jake what's a secret to getting out of that. For me, it's working in the budget to stick to it and just keep it going works if you work for your assistance guy. Yes, you like this We have an appliance Europe, I'm a geek, ok and she she's the chair later. Yes, now, ok, very cool. What are you tell people to secret issue? I think it's a cup thing. Is my mom told me right when I got into recovery that commitment is making a decision that doesn't have an exit plan, so you have dominion, commitment or misled does not have an exit plan. Second, you ve got a really assess what is a need and a why we can always say I need this. I mean clothes closer need, but you gotta be very far. Well? We stopped at good work.

Oh, we views Q bonds. We buy Generic. We caught everything like I need clothes, but I don't need to go to J C pennies. I don't need to go to cause. I don't even need to go to Walmart. I could live off goodwill if I want to be successful, so what's a need and what to want a beer frugal people make fun of making two hundred forty two thousand, and thank him like that. No, not really I mean I keep trying to get my friends to drink the coup I'd, maybe they well, maybe they want, but what you got reproachfully sometimes the best example is living gas. Lady Russell living a company is actually offering smart dollar. Now they sent my last week's I'll figure up, give back to the people in the county who looks gonna, kill him get the kids in the shot for them for each Kramer names again. This is Joshua he's and this is Cameron, he's eight our eyes,

Looking boy- and I are very our our weird- you are for sure, got that ensure to prove it to pay for an hour. We get a copy across his book for you everyday millionaire, son by him. That's where you're going next us the next chapter in your story for sure I'm proud of you here. I want to go guy Jason, Cheryl, tap of Florida, Joshua Cameron, Opie practice this weeding out at two hundred and thirty, six thousand dollars bade, often thirty, seven months making two hundred eighteen and forty to Canada, zero dead for each group, Eddie, three, two one paper lakes everywhere, where hundreds of deputy back they love it. This

but I Ramsay show everyone you are listening to the neighbour Andrew Show, I'm Chris Organ in here would be that we are having an absolute last. We just finished doing that, for he screamed with Jason and Cheryl, and I have to tell you absolute we been washed away paid off

we're two hundred and thirty six thousand dollars and Dave I'm tellin you something. This story touched my heart. It does hope traitor. My gosh of kids get met clippin. Those are put in those structural paper, I'm telling you oh and she said I was torn- whether to share that part of my story about the drug abuse. Send the history, and I said you know what that took: courage because somebody else life happens. People yet not bound. You knock yourself down, but you can always get back up because your Lord Sabre believes in you and it's a matter of what you choose to do from that point forward determined Yeah

I wish to tell a story about victory. Poor boy of Warner, I mean like here in a victory stories. Rolling. That's true, so true, I've never faced addiction of that type of any time for that matter, but I have worked with folks that struggle with that just the habits money not merely addictive, Focus on we're! Not councillors were not licensed people in those areas, but we work on people who just go so hard with changing behaviors yeah? So when you can conquer the person in your mirror, you're here, oh man, you can do some stuff you here at the outset, and not wait around on the that? The White House fix your problem in the Congo thou under misfit toys should not affect your problems. You get you to say I got it behind

under who. The problem is, I know who the solution is. When you do that, you can t you can do just about anything. You shut your Manta Dave, the statement she made about commitment, I'm gonna steal it soldier, or look for me to treat this at some point commitment the decision that doesn't have an exit plan. Paul S powerful right there Cortez burnt in the ship. It is I'm telling you have so far in the ship. Listen if you're out there- and you just heard that every screamed, if you're, smart enough you're watching it on you too, because I want to tell you something when you see one of these happen, you can see and feel the Emotional chains following offer people, and so abrading that journey this, the journey that you can take as well. Protection that you have to grab for you and your family went when you get in that. In the end, sound and the Super bowl

to celebrate. Yes, you can be made to celebrate bride Andrews Weathers in California. I Andrew welcomed the diver amnesia a day like this. I have a question for you guys, though I ve got a new job, a new director of a department, and I did the IRA Interview and everything over the fun of it and then it and when I got there they are not everyone. Pretty much stuck in silence, because I'm only twenty years old and the only other person that's younger than me, there has been turned into the apartment. So I was wondering how do I average people that are significantly on my own and still be able to tell you now commander authority and not have them. They won't you just under again to certain Andrew, listen to me. It is like you were tailored to call and ask me that question

I was in the exact same situation. You were coming out of it Let's go in to be a full time: coach, obvious coach, people that were older than me. I was working with people that were ten fifteen years older than me and eventually went off into the business world only to have the same situation. Let me encourage you to a couple of things, never once remain authentically yourself, don't you they become any one else. Don't pretend To be anyone else and an end to two people not Adam. The title does give you the authority that title gives you the title, how you treat me how you interact and how you listen and talk with them and not at them that gained the relationship that you need with them to be able to properly led them. Now, that's good Andrew, and what are you not? The fact that you ask the question

means that your exactly where you need to be you're scared, how you're freaking out that's a good place to start, because I mean you're, not an arrogant, young, Torp new and get you know you you're, born on third, based, like you hit a triple you're, not that guy, ok, and so that's good news What if I were in your shoes in number one, you can't command authority, you have to earn it. They can give the opposition, but that's just my your ball that make you a later bosses push leaders Pool John Maxwell's. That leadership is influence and so how you gain influence will flip over. How do people gain influence with you. If somebody want to influence you, how would they influence you? Firstly, you after no, you would have to know that they actually care about. You you're actually know that about. Andrew the person's twenty eight years old got a new position is low, but freaked out about.

I gotta know that about you. If I want to influence, you have got to know that about you and after care enough to hear about your story and let you talk, and then I figure out how I can serve you because leadership service and how can I help you get your job done better, and so the way that might sound in a sentence or two. If you're dealing with Fifty year old I've been doing his job, and he knows how to do his job than you know how to do his job, probably because I ve been doing it a long time you might just that just go up, you know Bob. You been donors before I was born minor. You know what you're doing department is given working longer than I've been born. Yeah. I suggest you know just say and go you been on this longer than that and so help me, understand how I can help you, because my job as the leaders not about your and my job, is to help you get better. We can do that. You could teach me a little bit. Show me

you ve been doing and arm example in my situation, I'm not younger, but I'm an apt is I walk into one of our technology meetings. I have, I think, they're speaking German in there. I have no idea what you're talking about and they're, using always initials like they're in the military or something, and I have no idea what all these initials me, and so I have to start gas, dog about teach me about this. I will learn this because I know how to sail in order run a business, but I dont know how to do that part in technology, digital marketings different and she had teach me and then I can learn how can serve you and help you and get blocks get block out of your way. So you can do your job better and easier, my job is the leaders to clear the road for you. I know a little bit mega learn little button. I got care a and The last thing is, don't be afraid to actually get to be.

To get very, very personal with people to the extent that they will allow you to, and that means just ask about their wife- ask about their dog. Ask about their kids, ask about their mama that sick in check no MA am said, send a grandma or to some flowers when she's in the hospital from you out of your own pocket, and just from you and tell him TAT program all that George over here, above all, does a great job and you enjoy working with me. You heard about her Listen, just just love people and serve them, and you do all of that and start reading leadership books. Everything you can get your hands on by John so everything you can get your hands on bites. Jim Collins, chairman Cynic, Lynch Yoni, Pat Lynch Yoni for sure losing yeah. When you do have to hold someone accountable, always in private, and with low tones and no profanity row and Dodge,

just be have some clocks and you can most. Do that. From a humble perspective, like I can't seem to get you there, and its worrying me because you gonna have to get there in order to stay and help me get you there and that's that can be reprimand in. I don't have to be. You know all Bob but you really can command authority the only place that really happens in the military. That's exactly right and Andrew, But there are some play Santa Claus here and ominous into Dave's book entry leadership so you'll get your information and send it to you that What I wish I would have had coming out of grad school. I was not properly broken for leadership haven't been in those roles, and so on mistakes as we go, but this book will help you communicate care and half connection with people on your And watch how high you help them go because if you help them understand you're there to help them as they said, serve them. It will change the spirit of things and stay

I was a young idiot. They kicked down the door like wider Europe and came in I'll say everybody around and that didn't work Gummy fired after about two weeks after another motion was an idiot had been well the former idiots club this is called to ever employee share,

hey, it's Kelly, associate producer advance payments for the day brand seashell. This episode is over, but if you ve heard about an event, product or service didn't have a chance to write it down. Don't worry. We list everything you ve heard about during this episode in the pot cash out or had today rancid outcome thanks to listen

money Isn T always when we talk about around here, get life. Changing advice on your career from my good friend and career expert can comment on my can combine show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're, just trying to make it to the weekend can combat show is for you, everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion we will you discover what it is you were born to do and then we'll help create a plan to make your dream job a reality. You matter and you have what it takes. Conversation on the current Coleman show hear more from the Ramsay network, including the current common child. Where ever you listened about gas? Hey it's the producer of the Dave Ramsay show this