Live from the headquarters of the solution. Broadcasting from a dollar car rental studios, Dave Ramsey, show work that is done home mortgage, the B M w as full of joy. Thank you for joining us open volumes are eighty eight quintillion, eight hundred and eighty two quadrillion five hundred and fifty two trillion two hundred and fifty eight billion. Eight hundred and eighty eight million two hundred and fifty five thousand two hundred and twenty five Eric is with us in Oklahoma, city, hi Eric. How are you yeah Dave. How are you better than-

deserve. What's up, I'm gonna spank my call so my wife and I are expecting our first child this year, yeah we're looking at investing in five hundred and twenty nine plan and my question is you know after looking at some of the various plans going, the in state deduction or an out of state plan that might perform better and have lower fees and Oklahoma. We can deduct up to twenty thousand and contributions only file jointly, which is typically what we. So much don't know if you have any advice on that, it's the deduction- on the right now your state income tax right right right, ok, alright! Well, I don't care

state, your in here's, the guidelines, I'm looking for there are three major types of five twenty nines one is prepaid college tuition. I would never do that prepaid college tuition. I would never do okay and number two is a fixed plan which you put it in, and the investments are on autopilot. They start out with child being young in good mutual funds, and more and more conservative automatically. As the child gets older. I don't even those kinds of plans for anything either I want you to make the visions about your money and control. Your money number three plan Is a five hundred and twenty nine that allows you to decide which mutual You want the money to be put in and don't move unless you move them.

And so I would pick one that has that Ann has a selection of good growth stock, mutual funds that you can put money into, and it's just going to sit. The fees, usually are not that high. I do no Oklahoma's plans- and I don't know if, if that five Anna is available as an Oklahoma. Five hundred and twenty nine does that make. I would not take a bad five hundred and twenty nine just to get a tax deduction, all right better, yeah. I think there, like nine different go in there and they're like not. There is an age based option and then you have different options to where you can go in and select within the states plan. So there are no age based. But then you look at it and say: is there a mutual fund? where you control it. It stays in the mutual funds. Have good long track records, good growth, stock, mutual funds? Don't you just get in touch with smart Vester, pros there in Oklahoma,

city there with you: click smart, Vester, at Daveramsey, dot, com put your stuff in the drop down list of the people. We reckon and there in that market there several that have been with us for many years in Oklahoma Summer, good friends of mine? and just sit down with one of them and they will walk you right through it do it every day and You know that way: you're not guessing! I honestly have not opened up the thing and looked at it for Oklahoma in particular, but just as a general concept, let's get, let's not do age, based plan, a life phase plan that kind of a thing: let's definitely don't do prepaid college tuition and dead or just compute money in something that's going to outperform both of those which is a good growth stock. Mutual fund with a long track record and that's what I would do, Gail is in Austin TX high ABBA Gail. How are you hiding, I'm great thanks! So much for taking my call sure. What's up

So I own three rental properties and I have mortgages on each of them. That's the only that I have, but it's significant debt on three properties. It's three hundred and thirty one thousand and change, and so personal residence is paid for actually I'm renting. Currently, why? Well I'm? I I moved in with my boyfriend and we're renting and it has to do with well we're we're going to be, will be temporary, that we're staying here and then we're going to go. Well an rv and it doesn't make sense for us to on the home right now? Oh okay, so

Actually, I used to live in one side, I own three duplexes and I used to live in one side. So it's it's travelling down, you're traveling in an rv all over the nation, How are you going to manage rental properties in Austin, Texas, well, actually on a residential property management company Ann. So I have you know all of that set up. I actually travel a fair amount now and it all works out, so you have employees, yes, and I'm hired and services. You know hire companies that help with intense or other manage other people's properties. Yes in my own, ok, I'm back with you now. Ok, okay, so one of the proper It is owned in a self directed IRA, so aware that I can only pay that down to the extent that I have rental income from it,

um and then the other and then one of them. I all I actually on seventy five percent. I own a friend owns twenty five percent, so I don't totally control that and then one of the deep x, as I do so. As I said, I have three hundred and thirty two thousand dollars. I don't I'm not I'm not full of anxiety over that that and yet you know I read the total money makeover recently very inspired by it, and I realized that you might suggest something different than what I'm doing right now and I. But you know I would just I would want to have some kind of an accelerated process on all three to get them paid as fast as possible. I mean The whole thing is just is nothing on fire here, there's not an emergency. Nothing here that scares me to death. I assume there cash flowing yeah. You know

What are these properties worth? If you, oh three hundred and thirty, two? What's the total value of the three true value is six hundred and seventy eight about eight hundred and eighty thousand. Ok, she got a half million dollars in equity. Give her tag at five point: five or fifty thousand that's pretty strong, so they're, probably cash flow in pretty good. I mean I would want to be clearing up the debts out of the cash flows as soon as possible and any other money you've got an. I would probably just snowball them. The other thing I want to get partner out of that of the deal I'm at just clean up your life, and you know put yourself in a position that you own three, these properties free and clear someday soon, and so how can I get there? What's the process I can use to get there? and so the one that's not in the IRA and doesn't have the partner. I would probably start knock him out the other one. I'd be talking to that part.

What can I do to buy you out or what can we do to get out of this deal? that one sales and you pay use the equity from it, pay off the other one or something I don't know, but I'm just going to start to save three hundred and forty five years. I don't have a plan for these things. To start to be debt free, I don't want to just keep. Did mortgages forever? It's not a plan. So it's nothing on fire, but let's have a very intentional methodical process in place, but this is the day. Ramsey show about one point: six trillion dollars in student loan debt, one point: six trillion: if you're drowning the student loan debt. There are options. I want you to consider refinancing your high interest student loan to a lower rate, fixed loan from splash financial alone.

It minimizes the interest that builds, which helps you actually pay down the principle of your loan and helps you get out of debt faster. It's like found money and right now the rates on splash financial are the lowest. They have been all year, see for yourself visit splash, natural dot com, Slash Ramsey, that's which financial dot com slash Ramsey This is the show where we talk about money in a way everyone can understand it and in a way that applies to everyone. The danger of these simple concepts is view the view yourself as intellectuals, those of you

view yourself as sophisticated? Sometimes you look at something: that's simple and you don't understand how profound it is like the or or is slave to the, but use credit cards to get my miles. You I actually think you're going to take on a multibillion dollar company who studies if you're more than you study your behavior. And come out on the right end of the stick that doesn't make you sophisticated. That makes you blatantly stupid. Think about it, and you know the credit card is the most aggressively marketed product in the history of humankind. Nothing has been sold to anyone in any culture. In any case,

end of a volume close to the credit card. No product line or service has had anywhere near as much money spent on marketing and sophistication to sell it to you, hundreds of millions of dollars a year is spent, to sell you this product and then you're so stupid that you think we're going to get away with using it for free. If you do it's going to be a short term thing, or if you think you do, you left out some of the variables example when you spend using cash, it activates the.

Centers of your brain. You have an alchi moment when you hand over Uncle Benjamin Franklin, dad gum. I just bought dinner. When you were younger Benjamin Franklin in that black plastic tray known as his coffin fun he's run away and he's not coming back. You put him. That little these are American Express fold over vinyl thing that the server brings you and you lay Uncle Benjamin Franklin in there a moment with Uncle Bens Long, Cabela's literacy, you again, you know. Is happening when you pay with plastic interview, you twenty hours. Later you don't know what the total was on the bill. You can't tell me what you spent you don't know what you spent at the gas pump. Could you stuck a card in it? You pump the gas he walked away. You can't tell me what

gas bill was in the days that we used to walk into the market and lay money down on the counter, and then they would You change, because you didn't round it off when you were putting your gas in I knew exactly what we spent on gas in those days, Today, you don't even know what your gashes you don't know. I use a debit card. I can tell you what man was. Can I tell you what it cost to fill up my truck the other day. I don't know I did notice, just not guardian, but the gas in or a boy I'm just like you, cash activates, the pain centers of the brain two or three things that activate memory. Memory is activated primarily by pain. Fear, heavy emotion of some kind, positive pleasurable emotion, will activate memory. That's why you smell something in you. Remember a girl you dated in high school smell act,

It's that memory, that's what happens, and so it it's that that's the process, so here's the thing if you can't remember it, it means the pain centers of your Veinte brain were not activated and we do surveys, you spent on that meal. As you walk The door? The restaurant? You can't tell me what the total was twenty five dollars With two dollars, I don't know five thousand six hundred and fifty so before that oh, I don't even remember. I think I left the tip. I left a big tip. 'cause I've been drinking You know now you really can't remember anything right, so this is people handle their money and you tell me you're going to beat the credit card company. You spend twelve to eighteen percent, more on average. When you use plastic, then, when you use cash that all the study show us, because you don't feel the pain in the world's worst places the grocery store. They are the best marketers on the plane.

The best merchandisers on the planet is a grocery store. Man. I know how to put the food at the right place old an example. The easiest example is the bread in the milk, so the back right because everybody walks in a grocery buying, bread or milk and they have to go through the full length of the store and have every opportunity impulse on some kind of jar of butter and jelly mixed together, premixed for you. I don't know what you're imposing on, but there's something getting your attention. It must be those new each Cheerios I heard about today and guess all the stuff is at the high level. They get your attention and they a the position as you walk to the back to get your bread and milk, and you can't log out without spending money, it's the the are designed for you to buy stuff and when you use plus at the grocery store. You have no idea what your grocery bill is and you spend more he's been more on clothing,

Oh yeah, throwing that accessory. Oh yeah, you'll pick up other peoples. Tab at the restaurant I'll buy you dinner tonight, nothing anything about just dropped. Fifty dollars, never think I think about it. Now, I'm not saying be generous, I'm not sure saying you should accessorized. No, I'm not saying you should enjoy some purchases at the grocery store. I'm just you know, do it on purpose and if you think your credit card use, even if you're paying it off every month, cost you zero. Then you are a very naive individual that has been influenced by an industry, the a bit more to influence you than any other industry in the history of the world. That should give you pause. That should give you pause If anybody else was selling you that hard on anything you would your shields would go up, but for some reason

credit cards were like. Oh no Dave. I have this figured out, I'm twenty six and I've got this figured out, I'm twenty six years old. Make forty two thousand dollars a year, but I've I'm going to beat up on old, discover card there, now anything I've got him beat I'm getting. Those discover points not costing me a thing. Not stupid. That makes you sound when you say stuff like that. I'm making all my money on my airline miles. You know I've met with thousands of millionaires. I've never met a millionaires. A debut now made all my money on my airline miles. They. My breakthrough was my discover point I'll put him on offer. Every month Dave I'm beating up on the credit card company, I'm get the use of their money, wink wink for millionaires, just don't say stuff like that. Now some of music credit card, they do pay it off every month, but I can't tell you their lifestyles are so conservative. Besides, you know when I set them up next to you,

class people or spin everything you make and trying to convince me that I'm a troglodyte, because I don't use credit cards well, I'm not broke anymore. This is a multi millionaire, Troglodyte you're listening to. Because I start understanding that behavior affects your ability to build wealth more than all your little math tricks. You think you see all the variables on the bar is slave to the lender. It doesn't say, except airline miles, the borrower is slave to the lender. It doesn't say except discover, points, Borrower is slave to the lender. It doesn't say, except zero percent interest on my new car, which lost thousand dollars when I drove it off the lot, so it's not really zero percent as it. How stupid are way. I mean you're, you're gonna you're going to hand me a nickel

in front of me, while you're picking one hundred dollars bill out of my back pocket and call me smart, think, people think thing: If someone shoveling stuff down your throat at this rate, to the rate of hundreds he is dollars a year and their ability to it's a landmark it to? You is beyond any other sophistication. Of any other marketing program they're. Should be money in it, follow the money all the money. So I don't have any credit cards. I have two debit cards. You can do what you want

it's working for me. This is the Dave. Ramsey show

thanks for being with us Mereka. This is your show. Angie is Withers in Charlotte North Carolina, hi Angie. How are you I'm good? Thank you thank you for taking my call and give me the opportunity to ask you a question. I might and if we're on baby step three and the last thing we have for our debt, is our house an I have I a few lingering old hospital bills Then you're not already step three? Well, that's. Technically, no, I'm trying to work that out that my husband told me that you say we should only pay zero dollars and twenty five cents per dollar and I'm

going to work with the debtors to pay them. I only have one of them who are willing to drop it at all and they are willing to take off forty percent. An I'm. Only looking at a total of about thirty one hundred dollars so I don't know if we should do that. My husband tells me know that you say that we should be able to work it out with him to get zero dollars and twenty five cents per dollar an hour. I've been working with them now they also old the debts there about four years are you paying payments on them? Now we only literally just started getting: are white build a life together within the last year or so good for you, thirty, eight hundred bucks and what your household income monthly it's about The five hundred and our debt are allowances that we pay out in food and bills, and things like that about three thousand seven hundred. Ok, alright, I would take the four that one is a how big one is. That

um that one is a total of about two thousand dollars. Ok, so that gets out half of it gone right. Yes, yeah and then just get in writing the actual balance on the others and just pay him so we'll see that was gonna be my other question. They refused to do that. Then they get. They will not. Ok! I was there playing you and they're, going to come back for more late fees and interest on top of what they. What you think you owe I'm not so. Ok, so that's bigger than my husband were having he said. No. If he wants all paying wants to get all involved in this, it probably would be helpful. Ok, because I want him to get nasty with them. Okay, you have got to be kidding me you idiots want money or not. If you want money, I'm standing here with money, but I have have it in writing or I'm not giving you a dime, because I think you're lying because your mouth is moving,

ok, because literally this is this is where the guy tells me he goes well. We do not send out letters when you send out emails. We don't care if you pay your bill or not, because it's on your credit, it's your dad and I thinking, ok well consciously, I feel bad though in this money you know, I'm, like I said: we've changed everything I don't care, I don't care. If I pay it either. Let me talk to your supervisor 'cause you're too stupid to talk to This is how I mean you're not dealing with intelligent life. Your talking to a collector who just told you he doesn't here, if you pay your bill horse crap. Yeah but you know that's just dumb and just say it. You know just that. That's a dumb but statement. Do you think I'm going to fall for that? Let me talk to your search browser you're too stupid to work this out a simple now for you morons. I will send you a check and

have this cleared up and I'll. Have it cleared up? Isn't it your job to collect a bill, or you too, stupid and trifling to do your job? You I'm sorry people listening out there, that are nice people, they don't understand, but you've not been with intelligent life. The people you're talking to his parents are cousins right. Well, obviously but hey he will not- and I want to say one more thing and that other thing is that literally in the year, that we've started doing this, like things have done, such one hundred and sixty degree turn around everything like we just. We appreciate the program. That's working so well for us. Thank you. Thank you very much. Listen! Don't look at this conversation as a game. So, stuff that I'm doing right. There is psychological warfare there just messing with you and here's the problem. If you, in them a toner. Fifty dollar check on a four year old medical bill that you think is your fifty dollars. They're gonna, send you bill for another two hundred and eight dollars in late fees.

If you don't have it in writing that this is the actual balance, DR and if I will do that and not pay them until I get a letter yeah and just you know and column. Once a month ago, I sent you idiots ready for money. Ok, you know just start the conversation that way. 'cause everybody I've talked to over. There is a fool so far, are you a fool? You work there. You must be a closer by also works. There's a fool! So just mess with them, because that, doing with you and I'm telling you they're playing you and you will you will pull on the sweater forever. If you don't get it in writing in time down, you can tell there if their mouth is. Moving then Daniel is with us in Dallas hi Daniel. How are you I'm good? Sorry, better than I deserve. What's up hey, so my wife and I are somewhere in between two days to two weeks:

Friday being out of being out of babysit too yay. Yes, I will call back into our scream then so I'll be really excited. Just calling that so my question is: we've been really going to sell and France would off about once. Third, albeit about sixty seven thousand dollars pull up two one slash two years. Why did call man? Congratulations, yeah! It's been really good and then I guess my question is we both been working second job. So when is when does Dave Ramsey give permission for us to rest and. Quit our second job done quickly, but no you're, an adult and now you're a successful adult. You get to decide things. Ok, don't need Dave, Ramsey's permission to do Skwat, so your permission, it's really well for us. I figured I ask one more time. Yeah I mean you guys have been working eighty hours nine hours a weekend. Oh something like that. I mean, for she saw him work a little more. She gets over

I'm a city worker get comp time, so I don't get that benefit, but we've probably been working about fifty hours a week. You dress them like that. Okay, it's a man thing right when the that when the dad is gone and you're working baby step three. How fast do you want to build? emergency fund for sure you quit the second jobs after baby step, three yeah, a hundred percent. Okay, the only question how fast do you want to build baby step? Three, if you want to build it, a little bit slower because you quit the second jobs, Ding Ding to go ahead. It probably only makes about a month. So in fact we were looking probably about like four months to build up our baby steps. Can you been going and you been going like a crazy people for two one slash two years and you got your debt paid off, so if you want to take an extra month to that. Oh well, that's fine. Awesome, four

or if you get close, and she could pick up some ot that last month and go after it, even for a little bit, I mean Good NEWS: it was ot, it's not like you have to quit the job. You just say I don't want to tear. I do want it yeah. I think she loves working overtime. She has the second job is defined as, like you know, we're ready to start spending time with the family little mermaid, but yeah vantage of it. Yeah yeah I mean that's. That could be your role or they be part of your debt free celebration. You know or quit yes yeah, but that is just if you're just You make that adult decision, your making them. How quick does it do it? So one month difference, I'm with you I'd, probably quit I'm kind of right there so you know that's the deal hey thanks for the call open phones at eight billion, eight hundred and eighty eight million two hundred and fifty five thousand two hundred and twenty five this is the Dave. Ramsey show we're glad you're with this type of got a small four. Oh one, k from a past job. What should I do with it?.

Well you always role of four. Oh one k when you leave your job to the next job. Are I'm sorry to it to a witch one of my thinking, my brain, is not working. Okay. When you leave your work, you always take your retirement with you. If you can and roll it direct transfer into an I r, a and always select four types of growth, stock, mutual funds, growth, growth and income, aggressive growth and international. That's the process, so get in touch with Smart jester Pro and roll it over to a good mutual fund into a direct transfer. They are a traditional ir, a not are off. There's no tax no at all later, you can convert that to a if you would like to this

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psalm. Three hundred and seventy four delight yourself in the Lord, and he will give you the desires of your heart, Julius Erving, said goals determine what you're going to be sherry is with us in Phoenix, hi, sherry. How are you I'm good. How are you better than I deserve? What's up I'm well. I had a quick question for you, my husband and I we started your program about a month ago- and we're actually kind of to the point. I've talked to credit card companies morning, good seven, Seventy thousand dollar I'm in debt,

because we opened up a new business, so we invested the money, but now we're to the point to where we can't even make our four walls. We don't want to? We don't want to claim bankruptcy. Why you can Why you make your four walls, your income, going down? has gone down, he used to work, we haven't been used. Well, we have just to money that he's been getting paid, mostly because he was having to work out of town a lot. He was in Alaska for like four months and we have two children so for him, be able to be home more. We had to take a pay cut and decided to invest in this business. So that's The contracts have gone completely down. Okay, so as a side business. And he does yes. What is this side business. It is a we invested in and housing. You know what

what you're saying that, like flipping houses, your bra and you decided to start flipping houses yes Yes, we do, you have house. We do not, we've been on the best that we can good try to find one good? No, no! That's absolutely that that this is a good way to go back. For sure yeah? No, you should not be flipping houses when you are broke and so a thousand dollars in debt and can't even make your bills? So what is his day? Job the job is, he does x rain on pipeline, so he is a Yeah, it's not a good job. It doesn't pay your file household bills. What do you? measure? What is what is his income it actuate one, in the coming year, income a year. Eighty

live on eighty thousand dollars a year? Why Well, how much is your rent, uh I actually have a rental in Colorado and Do you have a house here in Phoenix so rental in Colorado. That's yeah! That's what I thought today about doing. Ok. What is it worth? it is worth I believe, two hundred and thirty, and what do you own it? We owe one hundred and sixty. Oh good, that'll pay off a bunch of the credit card that sell that too, So if you don't have that on the market by Monday, I'm going to come to Phoenix and kick your butt. Ok! This is ridiculous. What is current home worth Current home is worth two What are you on it? Uh we probably about two hundred and fifteen. And what is your income,

I stay home, how many kids we have Fran, and there is one thing that I did want to ask you about. And we are locked into, you were wanting to have a third child, but we have to do IVF. And we are locked. I v s o and we're locked into doing that because we made our deposit. If we don't go through with it, we is that deposit? How much was your deposit? It was five hundred and what's the follow through forty eight hundred forty eight hundred? Ok, yes, alright and you one thousand dollars in debt and you have a house in Colorado. What are you on your cars our cars. His is paid off, the a runner our payments five hundred a month away, so I told him to get rid of it.

Ok, good, so we're selling the car were showing the house we're going to finish the IVF, pay cash for it and he's going to pick up an extra job I'm sorry he's not going to see his children getting ready to lose everything. This is, do when you're up against the wall. You go to work, yeah a lot Not a lifetime sentence, but for the next two years he need be working. Eighty hours a week get this gum family out of the ditch yeah and no you're, not flipping any houses. Good Lord yeah yeah yeah three thousand dollars to go to that weekend. Class crap! Didn't you all! We paid seventy One thousand dollars wow hello, we got asked to be part of the the next level. So We invest more money into that next level of screwed watch okay! I know I know

unbelievable and I wasn't sure I tried talking to credit card companies because of course I don't want to hear it, but you need to list your list out your budget. I don't give a crap about your credit card. Just let him sit there if they scream in your credit, gets messed up. I don't care right now. You need to list your food lights and water pay. Your house paint pay your car payment. Until you get is sold. You have enough coming To do that, you were wrong, you can four walls. Ok, One thousand will do that plus he's got three extra jobs now I just gave them to him real jobs that pay money, not that are getting the ripping him off. You should not have to pay money to make money. In this case, you go, get a job making money I'll give you deliver pizza. But whatever you need. If I can get that, if you can get ot on his current job, take all the ot cuz, he probably worth more there than is anywhere else

side games in that industry, because apparently Alaska and now he's still doing x rays, so he's a pipeline guy. He probably has some pretty specialized skills that pretty valuable. If we put him to work right, score? Some money in clean this mess up the credit cards can sit. I don't want them to so the last thing on the list to pay here get rid of the car get rid of the House in Colorado immediately immediately. And then all you gotta do is buy food lights and water pay your house payment. You can do that. That's your four walls for walls are necessities. Everything else after that might be in trouble for a while. But I don't think it is. I think you can probably pay it all if you get on a really really tight budget beans and rice, rice and beans, and no you're not going on vacation any time soon and now you're not going to see the inside of a restaurant, less you're working there and Bob

or anything, you can do to pick up some extra income, while you're at home with these kids, would be awesome. One thousand dollars a month changes this formula pretty dramatically. I don't care if you're watching somebody else's kid that wouldn't be a bad thing for a little something along those lines. Anything I don't care if you've got a some kind of specialized training yourself and skills, you could bring it in home and do that to or three, today and you are a home economist, you are a coupon queen. You are a consignment lady in your cooking from scratch, because it's healthier and a whole lot cheaper and I, if you're going to be home, that's kind of stuff you're going to be doing, and I don't mind you being home, I'm with you,

on the goal of that and I'm with you on the goal of the next baby on my knee issue with that, but don't putting down the more deposits of this round of IVF done work until we get this household out of the ditch. The last thing you need is the stress around all this stuff going on in and then add to that the stress of of trying to have another child that just put you in a bit bye and bless your heart. That's a man you guys are going to take some action here, that's. Why is, and that is long term thinking, because you made several unwise decisions so far, the

you're going to offset that and turn it around. But that's what's going on here. You don't have a four walls problem you can eat, you can pay your lights and water and you can pay your house payment and you can put your car payment. Do you get it sold? You can pay and that's the deal so you know it. Just it doesn't make sense you can do you can do your four walls So that's that's the way to go. So thank you for the call that puts this hour of the Dave Ramsey Show in the books. Our thanks to James Charles or producer Blake Thompson, our chief production officer and Kellie Daniel are associate producer and phone screener. I am Dave, Ramsey are host, will be back with you before you know it in the meantime. Remember: there's similarly only one way to financial peace and that's to walk daily with the prince of peace, Christ. Jesus

hey! It's Kelly, associate producer and posting the Dave Ramsey Show. If you would like to be your debt, free stream live on the show, make sure you visit, Dave, Ramsey, dot com, slash, so it register. We would love for you to come in National Intel date. Your story, if you're like

sing for fun and practical ways to save money in your everyday life. You need to check out the Rachel Cruze show a podcast from money experts and my daughter, Rachel Cruze, hey guys, it's Rachel Cruzan, I'm so excited to tell you about my podcast. Alot of people are living paycheck to paycheck there in debt. They don't even know where to begin, but they have this need. This want to get in control of their money, and if that's you, you have come to the right spot. So in each episode you can get a ton of inspiration and practical advice. If not subscribe to, the Rachel Cruze Show Podcast make sure you do it today hear more from the Ramsey network, including the Rachel Cruze show wherever you listen to podcasts, hey, it's James, the Dave Ramsey Show