The black waters of Williams, solutions broadcasting from the dollar garden was videos gets the neighbour amnesia we're not as dumb as paid off just taken the place of the Bmw status, symbol of challenge, Carbon Ramsay Personality, hosted again com and show. Is my colleagues today you're only or we're taking your questions about your life money Andrew Careers, your questions about your job. Maybe you need one in the middle of a pandemic. The end pandemic. Whatever we are

one thing, I am sure of care on the phone number bother. I triple eight, eight to five five, two to five. I did notice. that it's almost November first, which means were the dumpster fire, is about to go out called twenty twenty that's right. The year of the dumpster fire could not get here any quarter so I figure I'm herrings. Unbelievable Lavish no yours Party, I'm in to just say we bad days back there in twenty twenty, were moving forward. Yeah he's at me, burn? A lot of things is a symbolic just ass, a foreign minister. So voice boys are pie rose. You don't have to burn stuff what's a cleansing process when you in it's there and then it's just ashes and then we can move on to twenty twenty one. I hope that happens is gonna happen. Our guarantee Emily Barnes Oh, I know I just bought a totally tory. Well, we all

on the relay, but some, but you may already moved three people have yes, if seven of us good things are happening, though, you know we're seeing job numbers unemployment numbers are now drop were in the seven percent, who would have even seven percent unemployment were in the low self down from forty unbelievable, so you know Baby, you know was tell: did you hear that report in all night winners, but no, you dont analysis as very say this. more. I don't know if it's just me and Stacy we're too about the southern I the world that I hear Reed and see from the media is very different in the world. Here that I live in our continent. Now that I live here I mean I don't see what I know and other cities. I've been in other cities of its they're, not burning riots and they're, not there's people walking around doing business, yeah shaking hands hugging next week, with hundreds of we're we're not trapped in their based much hiding, we had a bunch of people,

an otter master series last week and their from all around the their winning their winning whatever like that, Our actions are fairly normal. Unlike a whistle five presidential debate right, my God, Can you put any more glad? Could you put up more plexiglas? Please, yes, for IRAN to support the entire plexiglas industry for those wisely on you too right now you this there's no see glass between me and Dave, does. Does no plexiglas we're ok yeah, but you almost touch me you need to be careful with the key word is all you know my boundaries. I know we're not going to file a complaint. What amount on the complete department, yet here the CEO ever go right to you now, I think of what's exciting David. I think we are beginning to see There is a third of the Teague. It's not good. Man should be alone. No, but you know, there's fear, fatigue. I think I think that what you neither cried now or to the fair people. Stop listening to the boy, cried Wolf at a certain point. I think it's time for good men and women to go. You know what

there's a reason re to be scares time to get back to life, it's time to get back to solving problems for people it's, to get back to doing what we were created do and orders go wrong. the punches? That's life is uncertain and we can't walk around being scared about Boogie man is gonna jump out from in the corner all too always risk. One of our leaders at lunch. Robotic should not cafe area our team and just popped out? I boy she much afflicting Europe discuss pilots licences house on Facebook, more safe. There then he's all driving up the interstate to get to the airports, because no one in the cockpit ever H, a big mac- puts all make up and shit and text while their drive through your zero becoming good poor on the interstate. You are safe. What, when you're in an airplane, comparatively speaking and and

We do get into an aluminum tube and fly through the air at rapid miles per hour and call that good, it's gonna be nice to fly places again to citing my wife said. Miss cruises, I don't know that's a sensitive time for you on a well on a sensitive topic for lotteries and generally in just as a Dave statement, idleness cruises, but the other Ramsay crews being cancelled is still an issue when funds a triple eight eight to five five two to five can comment. Is my co host today, Rick is in York, pence I recall you by day? How are you great coming up? I have a question. No sixty six, my wife is back turned sixty seven were both retiring at the end of the year and I dont know

out of focus by savings. Now that I have reached retirement or if you could give me some guidance, I'm sorry focusing focused on what I've been saving fifteen percent for retirement. Now, I'm there. What do I do now? Ok, what how much we have set How much is your mistake? Worse, it known about a million and a half ago mass good, for you every day may enter, did your heritage or you save at all. It was all working leading inherit. Anything ok, so that home, if Ology thing a very by inherits, what their wealth We knew that by, but our right, so you work for your sixty six. You gotta may have so. Obviously going to use it to live off of correct. Yes, sir, they saw some of them Russian returns are to live off of you, don't necessarily have to grow it any more. If you want to you, can

many very likely will live another twenty or twenty five years, statistically I'm hoping, while the average. I like it here and there you go and so far it worked out for you you're a may in hers, you no good for you. So I mean I guess you set your mutual funds up in your investments up to where you draw enough of them to live and have the good life and be outraged The russian you have? Kids, yes forget or ok, and so at some point, your managing at some point, your mentioned the investment to leave them to change her family tree right, yes, sir, and so I'm an important that legacy, meaning have discussions with them or what it looks like when they get this money, so they'll screw it up after you spent your whole life building and so without allow those Ramsay discuss and although I mean if you

stupid or your misbehaving you're out of the whale, because I can't leave gods money to you for you to manage because you're bad manager and others of the discussion we around our house, so you doing cocaine. We can't really believe you bunch money, you kill yourself, a cocaine should dumb, so you don't miss behaviour does funded at rip at inheritance, but, yes, your saving money to enjoy to be generous and a change of family tree a great desert. manage the portfolio to do that and you can continue to grow it. I mean I'm just right behind you, I'm sixty and I'm saving. Investing regularly, like I like on thirty August, keep keep going and it's all about legacy at this stage. Can it isn't contribution? Just because you retiring doesn't mean you stop contributing? Maybe that supports hunting. That's a charity effort, maybe that's a new business. What do you want to do that to assume that you're not gonna make any more money? The rest of your life is, I think, shores. Did he didn't say that we did get into that? But what's your country? Can anybody that solution right now in your six visionary time, because retired does it mean,

no longer like citizen would throw legacy. That's pretty on important resolution very cool stuff, with a couple million dollars when they had retired stuff, you can do with them This is that I am sure your charge, There is a dat not sat there is no equity in it, but there are annual fees. In fact, in response to covert nineteen timeshare developers are actually sending out special assessment fees. That's ridiculous! with timeshare exiting they have exited over twenty two thousand feet.

and when you hire timeshare equity before the end of the month, they'll give you a huge savings, call eight for four nine: nine nine exit or timeshare exit team dot com. Some explosions apply see site for details, gentlemen, Ramsay Personality hosted again common chivalry dogs evokes every day about their careers, their jobs, their dreams living their passions, open phones. Here, as we talk to you about your life, your money, reverse phone number, cripple eight eight to five five too Five Teresa is Weathers traces in Tampa Florida. I Teresa. How are you I believe my kids are gonna, be super excited they them with an increase in favour. Babies while go are going.

Ok? So we about our harm that we currently within four years ago, It would be a loan, is a thirty year mortgage but are our home. Prior to this we have paid off early, so we had a large down payment to put on it. We're looking to refinance and my question: is it because It has been a long and all is that the streamlining version of the refinance you have to lower your monthly payment by a certain amount in order to qualify that just gonna part of the rules. If we, if we went into a fifteen year, we wouldn't quarrel. So one could only refining and too much. We hope it wouldn't. Well. The house is it wouldn't lower monthly came in enough. Contract yours, then you go to a fifteen year conventional. Do you not qualify for that. Why haven't looked into it honestly because of the Rio streamline, may not be a good deal anyway. Ok,

Why does have the regulations or the rules are that you're talking about where the payment to go down and see what streamline is there's no closing caution. No no out of pocket at all. The interest rate higher than more closing Costello, the closing cause, we're gonna be about seven thousand dollars on the visa and yeah. Really, ok. Will you definitely want to go conventional? There. Ok, why not look into that make? My question was going to be. You were planning, I'm kidding Mortgage early anyway, we can offer last mortgage after twelve years of living in the Holocaust, and we owe me founding for him. They may be halfway into that, so that we really go down my husband. Did you get an increase in getting a new job? I hear what should be about twenty thousand more year than we were making, though our planet to pay off early. I didn't know if it would make sense to, even I guess if we're gonna be paying down early anyway, powerless

how about Three hundred and eleven thousand dollars laughed and I think we could probably through an extra thousand hours without I'd like to put his entire increase us a little bit more extra in addition to our monthly payments for the past ten years thirty thousand rendition. She went on to our normal monthly, came and went off your here's, a here's, the calculation for you go to church your mortgage and found out the interest rate on the new loan. What does interest rate on low vs alone? currently worth three point. Two five and we ve been getting about a few points. You five is with the offer. Enough seem probably get a two point: five more or less on conventional

Usually conventional. You can't get a glow of an interest rate, though, is that correct knows no anorak. Ok, usually slightly higher, ok, and so, if you check with Churchill, and you find you can get a tuna quarter versus the Rio quarter, that's a one percent drop. That's three thousand dollars a year saved in interest on three hundred thousand alone. A great yes you'd about three thousand dollars in your closing causeless pretend your gloves in calls for seven thousand dollars for the conventional, and if so, how long does it take to break even with

three thousand our savings on seven thousand, our cost a little over two Bayard lover to catch here. He found out so if you're gonna die out emulator figuring, so I knew tat. If you don't pay it off later than two years, then you go ahead and you do the refinance totally worth its. No brain now remain, but if you're gonna pay it off in three years, oh unscrew, it's not worth it means you're gonna sites resolve matters on three two thousand and two a bunch of work for that and it didn't work. Benefits can take you eight or nine years. Usa, three thousand dollars for pasture closing calls for five years. That's what starts to be some moaning them and a little bad. It's not it's not a ton of money either way, but the get with Churchill and get a quote on a conventional. The aim is the most expensive of the loans among F Hiv, unconventional, most expensive of them openly.

A triple eight, eight to five five, two to five kin common, my co host today, quick on that break even Matthew are there can? Yes, will you look at me and I was like dave- you got this one but I'll throw a little cited in their because you know our strong. I am on the money question. Rick is Import Lauderdale Eric? What's up not much. I do ingratiated just great talker. Do you guys? six years old and mackadoo military and retiring in two years and region a classic, don't you pushing major lava benefit plan. I really don't think gotcha participate in it you know your take on that. Well, thank you for your service. Ok, so the survivor Bennett plan works like this. As you know, you take less per month and then your wife gets it for her life. But ok, if you took the difference per month, you're took the full benefit wooden.

survivor and took that extra amount that you're getting above what you would have been getting had you done their survival. And invest that it won't be long before that investment is big enough to pay that difference. in the interim. If you want to cover the difference, you goodbye term life insurance policy to make sure your wife is, as a survivor benefit from that. you're not buying more by taking less money from the military show. How healthy are the two of you Both nature. Do very Are you we'll both are have love Lebanon, I do not think my network when the J even think it thinking about it. So: what's your net worth about one point, a hooker so if you die she's, ok, so you take the big check. You know

and she's. Ok, if you dont prematurely, because he or she doesn't not get to eat because you didn't do the survivor benefit easily she's, with one point out: you don't have to take out a term thousand above the average regulation works like there should be two states. Have you ever felt every one ocean, both ways what it's gonna be, What's the difference between the two bodies? she's, quite substantial yeah and whatever I mean per per month by violent way, right now, based on what my requirement they will be ready, Five hundred. Ninety dollars, a month, deference yoga Run six hundred bucks a month into an investment. How long before you have enough to cover the whole stinkin thing now long rally list only to an analogy or less substantial delights, and so you know that that's you're doing this correctly, and but what what the people in the retirement age,

are the people their speaking to most I'm broke and you you're not broke, and so, if you're broke and uninsurable, you ve today the survivor. Even those not have good ideas. Mama's got out a mighty with when you die, but Mama in your case is in great shaped, as you have done. Phenomenal job. Much too millionaires were doktor, yeah, she's gonna be Oda by many pairs of shoes. You did that calculation quickly. Did you again, I ve. Sharp to arrive at the top of my game. I think so, but I mean it's interesting that we're getting all millionaire calls. It is everyday milieu Chris organs a happy man. He went during their everywhere there are, and and. One other thing in the air right now that says that you can't win in America and you- and I have seen for too many years- that that is just not the case, since this is a gentleman who served up

tree and, as we saw with the everyday millionaire book in the study teachers everyday millionaire. So this idea that you can't win, you can't save money and you can't be a millionaire. If you don't have this big glitzy, glamorous java, let's just completely a myth, or that the only way you have wealth is to inherit that's exhilarating, see if you can dad boyish that lie in America. The only in that way you have wealth is too inherited. You didn't learn it then that should easier to say, take the money away from them, but if you establish truth that everybody earned their wealth and by large, were seen ninety three percent of the millionaires under wealth. Then it makes the arguing take it away from them violent really quickly. Yes, because now stealing much stuff that I earned that's right at the point of a gun from a government. Now your wealth, this redistribution crap melt down into violence? Pretty quick, because I'm violent about my stuff,

especially when you earn it, this is the redemption in the lobby of Ramsay solutions on the dead free stage, bill and Olivia are where the fat guy so are you welcome welcome? What are you guys live, sending a telephone, and all the way relative that free scream Phil? you'd, be in here little different. Yes, but not a wee bit different well,

glad you whether how much should be paid off you paid off. Seventy six thousand eight hundred dollars right along this. Take you eating way to go and your range of income. During that time we started at ninety six and we went all the way up to Sixty wow for a living and how did that happen? and my own pet care. Business cited dog eat, dog training, pet care, bananas during Kova. Yet, while I'm cool, probably going together on dogs, Romania, why they want to do to get for you very cool, so the pet busy, is booming in San Diego. What kind of debt was? Seventy? Seven thousand we're a normal. We had for credit cards to cars and forty one thousand and student once while sure we'll get you go started on this agreement should go

found us well scandal wider story than that, but my mom Carol. She actually gave me your book when Ozma early Twentyth and I looked at it. Then it sat on the shelf. Pretty much like pretty much. I coaster are now, even if it has, even as mostly unlike the bookshelf, leave Tyler way back and yes, I was getting America from a friend and she had mentioned that she had just gone through a few with her husband and she knew she kind inspired me to get the book back out, and so I did I read it and then I got really excited in outlining came to my wife and today we still feel so they now we take the ass. He convinced me to take the class already talk you to do, and now he was like. We need to combine our own comes. You know we're getting married in you know. We need to get on the scene he drew out money and I knew I need them on the spend hours. I knew that I needed help and that no area, so I agree, reluctantly wanted a glass stumping, my feet,

dragging your to complete the class and they still as really on board and then always work. We both us into podcast overworking. Ah, he sent me one of your pike ass and I listened to my first at free. Screamin almost cried and then realize that while anybody so after that I was on board and then during this journey and a chance to cry, we both became sober, and once we became Silber it really, you know got our debts. Are going good for you gosh pretty amazing, so how long the sober two years? Why were you would rather earlier credible great job as more important than other?

in Albania the Dave I want Astro quickly you. What are you all believe? Looking back on the journey, what was the connection between getting out of debt in deciding to get clean? I realized that so much harm. We are a kind of like our at the time our budgets worked together to work on a line to one another about what we are spending money on and in all the catholic drinking, in kind of going out, not some kind of lead to like making bad decision so especially no eating out in everything else, like not talking about things with each other, and we must communicate very well not really when we became silver. The communication thing was really the thing that worked and by combining our inner comes in

Secondly, doing everything together. Now is really the thing that kind of set it offers while lot of mental health goin on here between the two things working together, we see that alot discipline begets discipline, self control begets self control, and so is not unusual for us to have some by the does it every scream. This also lost thirty pounds or whatever in our hands so, but you guys engaged in some really really tough personal work during this time, but at such your whole life free, then when you can, when you get control of these areas, is that you're you're, just out of control before which most people are by cutting herbal really. So what are you tell people? The key to getting out of debt is now that you did it I would say on spender, so I would say saying Alot being ok was saying no and definitely did you ever get used to it.

well now I'm so, you said that I dont know how to spend all your, the other one you what the other direction that I am definitely intentionally and just paying attention working together. I know he had some yet some budget fights here and there, but they made a stronger pressure, so I would say intentional Indians or what was the biggest budget fight about the worst one thing this movie. This, I think, is probably self care like I always wanted to be like. Can I get a facial he's like now? Are you may not know that First avenue figure is nothing really major? We never thought of ribbon huge light, but there is a time for this tension. You know it. I think I might really go on.

They didn't want to get things done fast as possible, and I, like em, pushing her. You know to go faster. I want to get a facial, is different and self care. I mean you tell your wife, you can have self care. What kind of man does that I don't have a facial, not a budget like that's when you put the self care right for you can do to put a lot of crap under that she's been worst, I'm I'm, I'm I'm buying a girl in a motel sure and that there is a great pity self care. You relieve attention, that's right! The single awesome! I love it so cool. So what advice?

have the couples who are struggling with attention in the air over the budget? How do you get through that cost that what you want you been there is tough near. I think, honestly, like communicating with each other is huge, and then you really do have to give each other allotted grace first of all, and then give up a lot of what you want for the other person, and I think that was huge, but the thing is that makes it betters it's difficult, but what makes it better that you, Sir, to communicate with each other, and I think that's the thing out through sir parties are now having a lot of yet look inside you yourself and see. A lot of things are wrong and try to change human and related. Both this thing to working together have led to a way better communication in marriage, and I think that it makes us happy like we can talk

anything in its fine like there's, nothing, that's taboo anymore and I think that's the thing that helps us like make it that's very, very grew. How are you all a merry three and a half years than remain highly notice leeway to envy you gotta get up any pointed out. There was a little bit of a question in the way he said it again, but he got killed. Not that he gets points, not very good. Well done very well done the all very proud of you. So where did you twelve step or what you do? It's ok. I thought I heard the language good, very good, lots of successful programme. You too successful programme plugged into Well, that's death. Dave, maybe section twelve out of step with the Czech must step for the day. Well down your very well done, and you brought your daughter with you here and how old is she she's gonna, be ten All right way to go Lily will welcome to Nashville as she'd been practice.

You're her, I know for sure Margo. We need organ that are. I fill in Libya Lily from Serbia ago. Seventy seven thousand dollars paid off in a teen months, Megan, ninety so, the one sixty and sobriety during that I'm so proud of. You think you can download share a great debt free scream, very three: do Why are you very good? Stop? Oh man. You always that overlap in two marriages received the overlap in sobriety. Wait, large and careers that when they get evokes get intention, about controlling one area of their lives and grab grabbing the variables change careers. That's a number taught me.

We go about their income to the huge we change the way. You think what you, what you have seen folks in the story, is they change the way they thought about finances they thought as possible. I love that she said she was no pike ass. She heard a debt free screaming. She said anybody can do this, that change of mindset when we change what we think we change what we act. It cannot change the way you act. Will you change the way you think when you can see this baby step leads of this baby step, and I can do this and you begin to experience the momentum in that Noble. Did it changes your perspective on everything he can get sober and get a better job? It really is beautiful to see the great. A couple weeks ago, Lily your great devilish murmur, good stuff, I'll pay for it I was rather amount. They just don't change their whole lives so impressed. Incredible. The impact are gonna, have unbelievable. This is

ram solution So the debt price range on you to wear. The thing had turned the young lady around Olivia just a minute ago, but going through financial measure virtually laid the foundation for them to be able to do the work rams, plus is one membership for a year you can free trial on it. You get finance

patient diversity. The glass teaches yadda money. The right way not getting out of that, not a budget by building a wealth being registry, generous learning how to live like no one else later you can live and give like no one else, Premium version of every dollar, yet the baby steps tracker up and you don't have to you're out your money problems alone, your boy in the community's, you ve got access to financial coaches. you're gonna be all up in your we're gonna be walking with you hold your hand, taken you bought whatever it. to get you to move along today, Ramsay Dotcom Slice, Ramsay plus for the free trial, Ramsay dot com, Slash, Ramsay, plus Joel as weathers in Massachusetts. oh, how are you could have? The new gave you better than I deserve. What's up thanks, you're taking my call so my wife and I are. We just accepted an offer on

That's my property that we have remained after our taxes in commission everything we're going to take home a hundred and thirty thousand cool so my question is what do I do with that? And the situation is that we have no debt. Besides our primary residents mortgage, which is two hundred and seventy thousand and a thirty year conventional, other investment property which is a hundred and fifty thousand in a thirty year conventional, so I just They want to completely get out again and potatoes off as fast as possible, and I'm not sure the best way to go about that. So what your household income. The annual leave about a hundred ninety thousand between the two of us, but it the grosbeak fluctuates, got any money. That's not retirement than other emerging, yes about

sixty thousand in a stock of total stock market index one. I think you're gonna pay off your personal residents with that in your procedure, so that would we so we are two hundred and seventy on the personal resident. Our done quite get it. Ok, yeah! Not why but you may priority here so you know you're done in two more years, though yeah I'm throwing the totals on thrown a stock fund and the proceeds at my personal residence and I'll get my house, but often eighteen, twenty four months, and then a moratorium pay off the other one, you can go the other way, the way I'm analyzing! Listen! You can decide how you won't do it then draw is I'm looking at it? risk management perspective, meaning if there, if the world went crazy await it just did, and I ended up losing sampling one of these two properties, because I couldn't pay the bill

one of them, but I could, on the other one or I had one paid for in one wasn't so I end up losing it which one but I'm gonna lose. Will my obviously had looked at my home, protected from weird world sharks and then I go over and out. I'd, probably also the original diving on the ball for your home is I'd like to get paid off from a risk management perspective. But if you go the other way, you know it's not the end of the world. That makes the other thing about going near the way, as it would free that the property is rented and makes money, so it would free up or provide another proximately, twelve thousand dollars in cash flow per year. Right now, that's gonna help on the other, but you're still, you stood up Am I to go so you don't you get my cash out? The the index find completely and some out have some throw it we're residence and pay off them the rent, or you can go that

the only reason I would go the other way if I were closer or I could get your house completely paid off. Ebay slammed on four made a move on your house first. Just because something happens inside of you when you're home doesn't have a payment, we dont purse Eve, that work is locked out of a low, great backache. You don't think about it anymore. You just use to a mortgage and when you get rid of it. You realize you were carrying around this low grade back. I guess you have this thirty pounds put bum dump on your pocket. No question understood what use two with his other scenario. If he pays off the rental and he gets the extra twelve thousand years, throwin often profit used at free on that. If something were to happen, does he still It seemed backup plan assuming he could live in the rental move to the rental, as we still have using that less than ideal. We, if you had the mean right pandemic, gunshot way, lawyer or whatever, that kind of stuff so and in the centre. that I used to be you don't happen

go. Well, I mean yeah, but these were escalation. Areas not happen. and other got twenty twenty on my back pocket. I can just pull that. I use it whenever I want to do so. True, don't tell me about worst case scenarios. Never happened, you couldn't you spell pandemic. Twelve months ago, boy, in the truth, So now you got this thing, I mean it truly, I'll talk to launch our leaders. Yesterday there were in town for that event and small business gas I told them. Look when you're out of that, and I read the three little pigs to him like when you're out of it, and you have your merchants- she fun and the big bad wolf comes you're. The third pig- and I think I'm on duty should be the third pig I like that, because we all know the third pig? Was he's the one in what common house of the stones brick outlook hell somewhere and we have been involved. Can I make no limit? Couldn't get an right now in two thousand

couldn't get in, and nine eleven couldn't get in and whatever other scenario where the world is falling. Freaking apart in your life or culturally, they can't get him be. The third pillar and that's all I'm doing here with this guy's a same exact thing I having your home paid for you're, the third biggest one going. Crap comes up one must sign or about what force Gumption United One whistling or about through, and so when all is not here, this It was all me had nothing to do with shared and are being ok. It was all on just pretend the team here and making sure that place data. because a family sheer depend on us to eat that wish to stress that we had, but it. Like oh we're, gonna lose our home, all we're not gonna have food, gonna have whatever we are. What are we want? Still any time. We wanted it as long as you could find some way to get it in the middle of a pandemic shut down, and what in that's the key word, shutdown, folks here, where your add on this whole thing, but what we

all agree on is that we didn't know what was really happening. No, no official really did even the health officials in the scientist really didn't know what was going on ass proven and what we saw is that government has the power to artificially shut down an economy instantly in, ITALY was almost like hitting a red button and the role, MR stopped in the middle of the tracks, and we to be really wary of that. The future, because this was an artificial shut down, not just in the eyes date will talk about all around the globe and yours Governments in Europe now go to a second shut down and until we understand that what Dave saying here, you he a control? What a governor or a mare or present, depending on the laws of of a nation, organic all Health Department official, yet you can control that and they can officially take Europe a way to earn and severe cash for if your debt free

your cash Roy in ready to go, and you can you can pivot with whatever panda come on your way. That's the place to be, and if this is not the wake up, call I don't know what's gonna wake up some people, but this is why We have to be wary of government and artificial shutdowns. Control. What they do. Well, it's you know you have to do the hard work harder work to build the brick house that it was the straw house where the wood Mauser sticks. They went up quicker. They are cheaper than easier. It was, no short cuts in places worth going, and you ve got to do the hard work and when you do the hard work in your life and and your financially sober and your sober and you ve got a career track. That's working! You got it. You got a big bills, skills that are marketable. You just give yourself options when times are good, and you give yourself options when times are bad. This is the only such a principle.

And money or life that work in both types stirred the borrowing. Good. Dad only works in good times. There is no good debt in bad times You know when the tide goes out. Warren Buffett showed you can tell it was going to give it your and suppose are revealed to be lacking and that's what they are stupid is unveiled, and you can see a real clearly and its causing a bunch of stress and about pain. Never again, people never again be the third this is the diver amnesia.

James Childs producer of the Dave Rams issue. Once again, you made the Dave. Ramsay show one of the top for most popular podcast last year to get your daily dose of motivation and inspiration from the Ramsay network subscriber followed today, wherever you listen, apply, calf

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 comment on 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, can com and 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, join the conversation on the can com and show their more from the Ramsay network, including the current common shop. Where ever you listened about gas hates me producer of the Dave. Ramsay show this