For my part of Ramsay solution is broadcasting from, but on our own Bhutto's, it's the day. Ramsay show that is down cash, is gaining paid off and has taken a blaze, w status, symbol, Andy Ramsay, your host Chris Hogan Ramsay personality is my code today on the air they open. Phones are for you, the college free and some say the advice is worth what you pay for the phone numbers AAA eight to five. Five: two to five: that's AAA eight to five five, two to five

Kay law is whether scaler is in Washington. I came a how're, you try! guarantee how Mr Hogan it such an honour to speak with both of you you to watch up well, I'm a whole mom. I've got a little boys and the one on the way, and I They'll run my own business, but I want. Andy and I really want to grow their eventual wanna, one, my own company, so I guess I I have a couple of your question. One is how what are my neck tat to expand? My business then get to this point why it is really really successful and then also I would like to invest in a man

hardship that might help me grow, but am personally were on baby steps too, and so I didn't know, if that's ok, to invest business money back into business if you're on baby step to how much are you my own business. Last year I made about thirty three thousand profit about their like twenty nine thousand profit. Ok, good, very good, So you're making couple verandah month after all said and done overtake and what would investing a portion of the two thousand dollars a month or twenty five hundred dollars a month? Would you put back into the business? Well, that's the thing it apron,

and courtship, and I'm not sure how to gauge how much I'll get out of it a night. When what I ask what you were going to spend out of the twenty five hundred, how much would you spend o five hundred or seven hundred either one a month at less than about a month noticed one one time: ok, ok! Well, out of twenty nine thousand would spend a thousand dollars on education or seven hundred dollars on education young, once I've verified that the education has a value by studying, and learning about it in it and don't look for magic beans, their own in a magic beans. No one has magic. I won't. We shall leadership, training and work on trade leadership, some of them Kosovo's. We don't have magic beans. You know what Jack found wanting. The top undoubting stop giants. You dont want MAGIC bank right right now. I want to put in the work- and I know that at a time in that

yeah, but don't don't think that some certain mentor or some certain entre leadership event that we teach or something else is going to suddenly make business. Easy is still gonna, be hard Yeah Taylor, what kind of business do you have April? Photography, business, ok, and so you are the business correct. Yeah I own my job and that's where I like. How did those I own it and I want to get the girl I wanted expand- will bid so grow in your family, so you ve got two kids. You got one on the way right, that's all right! now you're, the one that is travelling. Are you go and do in weddings? Is that your primary source yet adding, then portrait, but the wedding ring in the biggest passenger and see you that you are the bottleneck for that business as well. So you know you gotta, look at

and give yourself ample timing. What can you devote? You got this new baby? That's coming! You gotta be very intentional with it, but you are right now the product and the service If so, how much more your time can you give and are you charging and afford, as would be one of the first steps, I'll walk, you do have our coaching, you now this was put human cresty rights, business Boutique Academy, and do that for a few. Launch and that puts Christie right up in your face cause she's. All she's got her hands deepen that stuff and do that Bavaria. Pay this mentoring and others pay for that, for you will give it to you and answer you can get things moving over that cause. I think you're bottleneck right now is that you ve got a lot of Four things on your plate and probably your biggest holder is not some magic pill for your business. It's it. You just happen. About time? Could eurasian baby? It's right! That's! Ok! there's nothing wrong with that and you got your priorities straight if you put them version, but

Maybe there's some efficiencies you can gain and let's see, if you can do that for free before but on the mentoring and I'll put you in her business Boutique Academy, which probably caused so much about border and spin on anyway. If I didn't give it to you so and it's not even open now you can't get in it, but another gather owns it. So I can get you hold on I'll, have Kelly pick up and we'll get signed up for that. Will soon that's carelessly just spoken. We said it. I said on the urn that makes it happened to my tricks. Starlike owed much dream. Ideas like it is like somebody No US follow. You know, what's up other goin great. How can we now pay zoo? I'm just curious what my conversation with my financial adviser should sound like I dont come off like a listen to this guy park ass. They told me to tell you this will. Basically, I have. A little over a thousand and a Roth account

in a little less a little more than that in a non retirement account then my dad, help me set up with a friend of his from high school. You, the financial advisor at the time. I don't know what was going on inside this curious Hum our thinking about taking out be about eighty six hundred inputs paying off my arm stood alone, and so I was wondering how I should approach that conversation The arch day and why I should know what question that should be prepared to end right Noah. How old are you on twenty three and twenty three years? Oh, my goodness is fantastic, but here's what I would do as you talk to this financial adviser, you wanna talk with them. Just like you were having a conversation with anyone else, talk with them, not Adam. And what that means is you're, also you're you're putting them through the places they need to prove Who did you want to hire them on your team, and so I would ask them questions. I would talk with him about.

The goals in your dreams. They are totally be asking you about that, but you want to find out what's their level of customer service. How often do they meet with clients? What's your access point to them? If you have questions and just become a walked and through the process to find out is this male or female somewhat, It's gonna help me reach my dreams, so I'm not. Maybe I misunderstood I understand that you ve already have the financial adviser and you're gonna take your money out of your wroth and you want to know how to ask them to do that. The rock the arm in the non Iraq not acquired account, but I well ok, here's the thing. The guy was the gather your currently with your dad handed you to write yeah. Ok. So there may be a bit of a challenge in that because he may, if its ago gargoyle, they may adopt a parental tone. With you,

and I wouldn't I would if I were you, I would gently not tolerate that. You want to be a young jerk about it, but you can you say now you work for me and few: to teach me things not tell me back and if you can't do that because of you, and from your bad than you may need to get a guy that you hire rather than your dad hires, that they can have the heart of a teacher and walk with you through that girl, so you're looking for someone an end, doktor parental tone with a fifty year old, blue that just what they doing, that business search stay away from that most

security companies try and trap you with high prices, tricky contracts and allows customer support simply safe. On the other hand, as everything you need to protect your home with none of the drawbacks of traditional home security, professional monitoring keeps watch ready to send professionals if there's an emergency. All this starts at fifteen dollars a month tried today that simply safe direct dot com, you get free shipping and a sick today risk free trial. this outcome acknowledged today here on the day, Ramsay show is next autumn, is in Birmingham item. Welcome to the driver Amputation day. Thank you, my call

I wanted to reach out to you, your currently using your foundation, the parson, find enough to live out to children in your heart. Go age crying and the Bell Investment chapter you described we heard a lot about the belgian about between the proper share of funding in a mutual fine smell me at large gap in international investment, and so I went back and pulled my courage below one case duff I fail to see where I had my money. In my options in a motor saying, but I have the option to do small and large cap don't have a mere cap option is defined. The only thing that I have no value than international option is a world equity, fine, Your input as though you should Ireland, Spain, that buys their hiding twenty five.

For sure everybody without a new cap option, you probably evanescent me private index vanish, be five hundred Rondonia do happen, That's it that's mid cap. Ok, let's run the metal in it. Some you know that that's that's was close to me. It's gonna perform very somebody mid gap and might have low better diversification than a typical mid gap and about it, but I will perform real close as far as the World fund, although in differences it'll, have some verses and international. Have some? U S in it and are mixed in with other countries and it because of that I will actually outperform atypical national a typical international blonde, because international have the four categories that we teach people to use. The international has lagged behind for about eight years. Show that the World Fund is is that of fidelity by chance? Allah is actually all the guys who saw three Nokia

Well, I'm not looking too, I was looking at the world on the other day that it just now resumed room so but the yeah I'm not pick up the world in lieu of, but it slightly different and then pick up your five hundred in place. Your mid cap, although it's slightly different, but you still got good diversification across types of funds and as that's assuming none of those four funds, absolutely sock. I'm look at their long track records and see how they ve done compared to other funds in that category, compared to some the trim lines and those categories, and if it's all right there than you would be just fond of that curious. What does your network Adam, ah ah Miladi out on that? But, to be honest, I just all our young guy probation a couple years ago, how much and which is in your for all, engage

a total of about a hundred and fifty in color to flow engaged between my wife and I did for you. Well, then, you got a really good start, but that's how I would do it at the large cap is sometimes called a growth in income or bluechip. The mid cap is a growth fund or inaction. Be five hundred falls within that category in general, the small cap is an aggressive growth, or an emerging markets fund was the way those will sound and then, of course, the international sometimes called a foreign fund in the kissing cousin is world fund, because it s from U S in it are some absolute orphans front. Orphans called a global fund. If you just think what it may mean the whole world versus justly international armies, the whole globe, versa, just international, unless the nuanced difference

windows and again because it's got from: U S ended it while perform the typical international. So that's cool man, good that you're looking into it blew teaching your care cause you to get your for a one day. I D go pulled out, look at it that I think that's really meet you should probably. I would tell your kids you did that that hey, I went to go look and you know what I'm making sure that I've got things in order. I think that's a great way for these young people do not just here about a day but to learn it here is the other thing. Let us be real clear. He wasn't even sure the council mutual funds he had run or when you start looking at what the other coms and yet how much honour the hundred to five hundred fifty and anymore he's doing right. So what that tells us is they return some things right, number one, but what

keep till. He was about day Ramsay his right of return. He quotes and day rooms. You didn't help you get rich diagrams, showing good for poor people will you're stupid, but is what you are because here's the thing we know that the day tells us that seventy four percent of the region that people bill wealth is they actual vast, that's right and argue Paypal, you get more people to invest in all these people. Writing financial blogs on their mothers basement Yelena that's about rate of return. Since, as you know, is right or return had no idea, you got a hundred de granddaughter just bothering to invest right but Finally, somewhat matter not pick, and only on these great our rail, but not argued about my ip ratio, I'm not worried Burma expense ratio. Oh no, I grew diverges analysis. It isn T work yes MA by guys got a hundred and fifty thousand box in there and you ain't got nothin. You live in your mother's basement. Ok,

that's the thing they may seriously. Is this not just ridiculous? is that what we found is there that the National Association of actual areas, which is the National Association, urge in depth research study? This says this: seventy four percent of the reason for retirement build building Europe, Success in building retirement is actually investing, what savings rate nobody calls. Babies have four fifths

percent of your income, that rate of savings that this is highly correlated more than Rachel Return, more than expense ratios to ending up with some dad got money in your pocket. Yes, for your future bottom line is, is you know you can't get caught up in all the silliness pins? Follow the recipe, follow the recipe and stay focused? That's what we found all this big study of them national studies millionaires than it over ten thousand of them. The number one reason they said they invested in the used employer, sponsor retirement plans, and I raise and unilaterally some of them we're so steady that they should have changed some other funds, yeah and didn't some of them were riding a lame horse, all the way down to a million six. You know that, but the thing we if it had been running a little bit. It's been two point two or two point three, but all the idea that all these idiots that talk about things in theory don't do, is they freaking did it? They did it, thereby such

with paralysis of the analysis is ready, aim aim and in a shout, some Put some money on your mutual funds, my god you know what you're doing more than the stupid, but people are doing nothing that live in their mothers, basement no you're right and so for those that are out there. You may be sent. I dont know what I have guess. What pull it out go sit down with the smart vessel pro find out. If you got some limping, if you'd make a little tweak and make it run a little bit better watch her? But yet but here's the thing, there's no shame in your game cause you're, actually an african game, our joy or doing something which is only four percent of the reason for success: the right, the other twenty five percent Is the fine tuning right and understand the investments in doing stuff, which is what he was asking about? Brilliant but listen! You got you act, the north I'll talk to a guy. You got two fifty thousand dollars invested in this forum. One k ends

poses, drive and a huge toy Oda who hang out to Nicholas Rubagub, try and tell him he didn't know what he's doing like. Hey Bubba check the fruit. You know it's a doctor Phil moment Ouses Workin for so don't be dont be shamed by some intellect weaker than the financial community. Some article on the internet or some Bowser Rotten, a blog out of his mother's basement. When you got more money than five of those people put together, could you ve actually, even though we all know that perfect you're actually doing it, Not unless you pull the trigger baby ready. I M an aim which car killing me. We have tapped into a vein, Reims II is awake and is ready to roll. Well somebody on Twitter. I know I know Dave they're out there and are stupid. Now I just got here what aggravating out or they like me or not, but their misleading? That's right, these other people and

sitting around joining the paralysis of the analysis club you right, that's again and analyze. Everything. That's really reflect you away from a single mom I'll get me rather sit around and look stuff and talk about fearing it he's a library something that I Ramses, if you Ruggles during a normal you're to pay for that time share our big of a burden. Is it now get

out of it called timeshare exit team when the timeshare turned you down. Timeshare exit team will go too bad for you and get this when you hire timeshare equity before the end of the month. They'll, give you a huge savings for paying by Czech or Ach Otto Draft call eight for four nine, nine nine exit or timeshare exit, team, dot, com, son lotions, apply, see site for details the lobby of Ramsay Solutions ride home at every stage. Crystal is whether Cyprus, all our young, tie, Dave I'm doing great how're. You welcome welcome border. You live. I live in Boston, but I am a sudden girl- and I have my parents here with me- from

Charlotte North Carolina, very cool or welcome to Nashville here to do your debt free scream. I am and very excited to do so. Much replied off two hundred thousand dollars low alone that three years in two months, and your range of income during the three years in two months started at about one fifteen and then wrapped up at one ninety three. Well, what do you do I am an eight hour. I started in house HR at a biotech company. Then I switched jobs. This pass December into HR, consulting and it worked. It works doing doing you kill knocking down girl. Well done. Thank you so two hundred k, and that was for what student loans

Guess where did you go to the underground? With that Georgetown University in D c? And then I got my NBA Duke who you don't truce troop school? No, although sometimes I I really think it, but it is not working itself out while that very impressive pedigree there very well done good for you. Thank you, show your your mba and your undergrad was in a jar, so my underground was actually financing international business. Ok, so did investment banking for a little back then also did non profit before making the switch and each hour after getting

Ba? Why do I have the feeling she could do anything very focused young lady crystal? What did you learn throughout this debt attack? You know, I learned a lot. I would say the biggest thing, wise, rosa resilience and knowing my why and keep my focus their there were so many times where it got really difficult, having to say no to myself and to my friends and the budgeting process that was not fund show what started on this journey. So every flashed back to May two thousand. Sixteen. When I graduated, I had my job lined up to start off in August and, as you know, they give you that six month grace period, which I think is a sham, but got the six month grace period and decided to take it as such, which was not smart. I took the summer off to hang out vacation just fill out a bit,

and ass. I got closer to that six months. I realise that I need to figure out what I was dealing with, because I knew I still had undergrad loans in addition to my grad school loans. So I go to my email and I total up all of them the numbers in the balances across private in federal loans and see that its two hundred thousand dollars. You know my shoulder before no free go free, exactly so complete freak out and I'm thinking everything from ok how Medina pay this off? What am I ever known?

able to buy a house whose then a date somebody who s twenty thousand dollars into her head of major events, s hand at some point during their freak out, actually call my dad and down. He said something to the effect of you. You are where you are. All you can do now is make a plan and make it happen. So very practical did make me feel good, but it was practical and down. Thankfully, around the same time I charge had announced financial peace University so enrolled there and that's how it got started. Awhile, ok, good timing! Guess very much well done so. You're done moments break a minute ago, and they should like really reasonable. Be people marched more people in all show our measure when your dad

two hundred thousand dollars. He is staying com for you, but he probably went well. Yes, what's funny, as I ways, if, I'm being very honest Dave, I was not only was I freaking out, but I was ashamed because I see myself as someone who typically has a handle on those hyper things, and so I didn't tell him the number. Oh, I didn't tell you either my parents, the number until I was maybe You know, maybe forty thousand dollars out of completing it, so you are almost done before I met on. Let's get I didn't want it. I didn't want to tell them so I told them it was a lie, but I didn't, but they know how much it was. A lot is variable. Her death love. Look at you. You know what that does in. You know to your credit. Sometimes when you look at that and you got, how did I do that? The sense of shame does come since regret. Come sometimes that paralyzes people guess

but in to your credit card you to bolt and action like enough. Not not this girl, that's what you said and you know you got a freak infinite, degree? So the NBA, while they irony me to go on our broke following that stuff here, so yeah, that's man! I love the motivation. You had to total up to two just stared in the face, and I think I would love to hear your advice to people that are out there that are younger, maybe not so young that are staring at that student loans at. We got fifty three trillion dollars in student loans, that impact and forty seven million Americans right now

one point? Seven one point: seven trillion: it grew! That's why you're talking crystal what advice? Would you give to people out there that find themselves in that first step? It is and definitely one step in front of the other. You can't an elephant. Haven't me my favorite animal. You can't take a whole bite, but it's taking one step at a time and just realising okay, it happened and how can you get organised and not just having a budget would actually sticking to it? That was one of the most humbling aspect.

Of it. There was one time I recall I had figured out a way to get my grocery bill to only a hundred dollars a month and a lot of rice and beans, and so I am in the line- and I purposely when I was the grocery store- would not bring my debit card just it does to prevent myself from spending more her. I love to eat and I love to cook so I'm in line, and I remember the cashier ringing up everything and I might have been at a no seven or ten bucks off, and so there is a line behind me and I have to say I'm sorry but. Take those items off, and so that was hard because I know in my bank account there is money, but I was committed and so to answer your question Chris, I think it's you know one step in front of the other having a plan and actually sticking to it, because it so easy to make excuses or just quit midway per virtue. A hundred dollars a month. Groceries girl, I'm ok, tell

me or what were you eating? Oh, like gas, so there is actually a farmer's market. That was not too far from where I stayed walking distance out and have to pay. You know a cab or trade rights get there and they have a lot of produce. So I was very terry. The lot alot of potatoes, and so I can get like a bushel of stuff for like ten bucks now, as I will just male prep, and that would be it for the for the week really good for you to look at you very. Well done em out. I've ya know your moment out a proud of you. That was incredible. One incredible thing. Thank you, pay its mean the degrees you got from the place you got them are incredible. What's more credible story, thinking at eight that that power of resilience that power of self discipline you apply those things you can as smart as you are you build do anything you want. Do you are on fire and you are doing that. You wonder when you make a serious bank, well done very, very well done so

where your biggest cheerleaders, oh gosh, definitely not just my parents by my family in general, we have a group of family group tat, and so I would give them milestone updates. Sometimes that would be strategy solutions in and all that good stuff, and I would also say a couple of my really close girlfriends too, who I traveled a lot with an eight out a lot with so having to say no to them too sometimes was hard when we wanted to hang out. So I would say those two groups were very helpful ever with me. Every step of the way look, I showed you should who's gonna go out with somebody with two thousand that so now you're gonna our date any sits down. He tells you he's got her thousands in debt,

David. Please do you have a plan without question: do you out about big blue gray world crystal world? You gotta copy Christmas book for you everyday millionaires, no question that you will be one before we know it. Thank you have completely done everything perfectly well done, do and pay off in three years and two months, Megan one fifteen one. Ninety three counted down: let's hear a debt three, to what I am, free? How it's done, I'm telling you! This is not a generation of victims. You know I've been paid that way, but people would have agendas this generation

five, exactly right! This is that ever amnesia. Our scripture that I Romans twelve twelve love one another with brotherly affection outdo one another in showing honour, William Lord said, the mediocre teacher tells the good teacher explains. The superior teacher demonstrates the great teacher inspires while out a government. That is a good one. That's wall worthy right there, so good

The actual excellent excellent John is weathers in Texas, on John welcomed, the diver amnesia legally I'm having trouble here and you John. Can you hear me? Yes, sir? That's a little better! Ok, we'll thank you for taking my call sure, Can we help, and so I am new to hear your show and a little bit about me. I'm twenty eight years old. My wife is too, we have a nine month old. I am student working on my daughter degree and have a nine month old daughter so I have about three hundred thousand in student loans. Forty thousand personal once twenty six thousand and credit card there, you're working on what kind of a degree the doktor degree in what

organizational leadership with a focus on health care Administration, with a plan to do what What then, five to ten years, hopefully been an executive leadership position, President seal oversee eel. Why do you need a phd ready to do that? a little bit more lenient. HU, the Elk administration science. So I can get a better aspect of of that room, ok, about seventy thousand remaining on my suv, my wife I together have about a hundred and sixteen thousand remaining are mortgage Right now we bring home a total about fifty seven thousand together after taxes. And so last year. My parents advised me to go file for chapter seven bankruptcy, so I went to an attorney.

Retained with her since August last year, however, she's requested that we can assist. Then are. We cannot push back the bankruptcy until later this year, like December, early next year, because she wants to see how the elections term Alan see, if maybe what the new party coming and if she can bankrupt or file chapter seven, almost at once. I am sceptical about that. The only otherwise have been given to this point, so I guess my question to you What are you round? Bankruptcy are you're still longer bankrupt boy, you're mortgages and bankrupt would you keep the house where I found bankruptcy or the Then you know the forty thousand and personal alone and twenty six thousand and credit card debt. So my question both, should I continue on this path to do there

should I do it sooner or should I use all chapter seven and follow through with a different set of resources, are steps to getting when do you enjoy. In about two and a half years and you're, not you're you're, not working, but your wife is. We both I work. I worked for time as well as walls of being a full time student Allison Uncle, but your household income is fifty seventh. Yes, I bring home about thirty eight after taxes and she brings home right teen after tax in your ear, undergrad, ASEAN and and want my undergraduate is chemistry, chemistry and then respiratory respiratory care summer respiratory. How are you paying for this Phd for the next two and a half years

May I too take hours on top of what I already also if you, if you found bankruptcy units that are you paying for the by how you pay every phd I haven't filed here and now I got out, but if you ve got bankruptcy, you're not gonna stay. I was not aware that a mail, so I I'm trying to figure out where to start John, you you right now, my friend: do you feel the weight of this right Nobody, I do do you really does you said you just recently found us and so what's your hearing as the wheels turning as reprocessing, because you ve been sold a fake dream. If you think bankruptcies gonna fix it. Ok, because it money, and you ve already had this authority on retainer.

Tell me we're gonna wait for the election to find out if the enemy stew, loans or not been corruptible gaiters goin anywhere other? And so I want you to restore to look at this and feel it and not look for the quick fix, but look for thus fix, there is the problem. I am certainly why why I'm trying to find other resource, because that made me so sceptical when she said that the eye are, he was China putting just pushed his back in and thoughts. While I wanted to find other resources out there and around you guys. That's, moreover, I appreciate this. So I I've gotta figure out a way to get you guys to get your income

moving sooner than two and a half years from now and that's what's that's what my hold up period, because I'm not trying to the thing is the debt is always not the problem, its eyes, the symptom of what's going on and one including when I lost everything went bankrupt thirty years ago. So I know how scared you guys are, and this is a huge pile up on you guys, and so you have bet You bet the farm on this phd. Turning into serious income, did I mean with three hundred thousand hours, plush continuing deposit up, so I'm probably gonna start talking to healthcare companies now about working there and letting them finnish pay to help. You finish that as there

continuing Ed programme pay to help. You finish your phd and you go and get a career track started now of a thirty eight thousand dollar job you ve gotta chemistry, degree. You ve got the intellect to step into this. You ve got a lot of the training to step into this and let's accelerate the Phd completion and let some one else pay for that. Get that all of you and then get your income up to begin to address the three hundred while you're doing that you can address the other stuff. You can seven. If you want to and clean it up clean up some of that stuff, but but you ve got to eat in good conscience. You can't continue borrowing if you're not gonna pay other people. You owe me from a moral standpoint and you ve got to stop an address that as well, and if so I can't. I can't recommend you that union

pay, someone in bankruptcy and while you're, on the other hand, borrowing money on the other out of the other side of your mouth right, and so that that just inconsistent from an integrity standpoint me so am I gonna put aside. To the bleeding meaning we gotta have a way to complete this phd without any more that and that that It is a from having any more debt and then be It gives us the leeway to say: ok and we fight through these other types of dad or are they do they need, the banker right. You got under an amazing amount stress, and I say what they, what I'd like to do Kelly get his information. I want him, get get him connected with one of our financial go. Yeah, I guess it s, my waterways, you sit down and unpack and what it will pay for a year and more than four says that unsteady found bankruptcy, legitimacy down. Man, that's a good idea! Absolutely because we gotta find out Dave with this doctor broke. This could be the kind that you gotta go to school for them

years and then spend two years right near doktor of dissertation. He said he gave a completed and now, but that that the thing is. You're. So far into this, I can't pull you back, but the bet that you have made is untenable hundred thousand dollar bad on the Phd causing you to have a degree in executive of care- is there's an untenable bat Is it reasonable thing to get a phd sure sure you ve done it in an such? unreasonable way. It's what you under the all the stress, I'm so sorry. I know you're scared. So what we can his walk with you and others pay for don't fall bankruptcy. Let's see if we can help you get this turn you're gonna have to Uganda attack this from multiple fronts not merely getting rid of the credit card that in the past I'm just getting rid of that that you still got

other matters- and it is still getting worse if you dont make that better. Unless your such what scares me here for you brother, you hang on Keller, pick up and will pay for your counselling will help you get some help we'll get you some help, Chris Good job. Thank you, Sir good. We would suggest that puts us. Our that I ran to 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 fees and that's to walk daily with the prince of peace. Hey. It's Kelly associate producer and funds for the day. Ramses. If you would like you to your temporary screen, live on the show, make sure you visit, Dave, Ramsay, DOT, com, slash, show and register. We would love for you to come to national. Tell Dave your story.

Money? Isn't the only thing we talk about around here? Get life. Changing advice on your career, for my good friend and career expert? Can combine all my can com and 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 it can Coleman 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 help you discover what it is you were born to do and then will help create a plan to make your dream job a reality. You matter and you have what it takes, joined the conversation on the can com and show here more from the Ramsay network, including the current common shop. Where ever you listened about gas, hey, it's you! producer of the Dave Ramsay show this so it is over but check the episode notes for links to products and services you ve heard about during this episode