For my own waters of Ramsay solutions, raw gas going from the dollar car rental studios. It's the rams work that is done just paying and pay off a mortgage has taken the place of the Bmw. Those data shows scant carbon Ramsay personality, newborn bustling author and pushed up again. Coleman. True, is my co host today, open phones, Tripoli, two five. Five, two to five, KEN Collins and the House, that means you are more than free to bring your career question

your questions about job HANS, your questions about landing, position that you have passion for as well as get paid well for and all that constant shook hands here too you say you got an opinion on that stuff to do not gonna in about everything I know, and I am an expert opinion yeah. We it calls on the Kosovo toxic culture. What I do I gotta a jerk blas, but I've got on pain of death, Dave given. Regarding our experience with the dawn, stop you know, but somebody people or go hey. Can I pay off debt and switch jobs? Can I can I change careers while in the baby steps David, I can take that on as well. We tag team, yeah, lotta leadership, junk out there as well. That affects people's pay. Is this the right place, I'm doing the right work? Maybe I'm in the wrong place. There's a lot of stuff we take on spouse pay? My spouses is stuck, encourage spell so long. Questions. We can answer a money, an job related doing that meaningful work. We're all here for you

the phone number eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five the opt out and Madison, which is actually kins assistant producer around greater. So she actually knows how to screen calls for kin. So you can. Actually I answer. The question is why, where more care an answer all might arise river, the truth and if you nobly, may ask her right Genevieve is whether to start this hour in LOS Angeles, how Genevieve? How are you during the ongoing goods through beyond the call. If you guys you two what's up in your world, we have a new flags brought about by the EU the girl: and we are about to eighty seven on earth. I got you just everything, I'm on baby, that you have about forty thousand dollars left to pay off in the combination of goods. With any kind of guy, got that only five have

and we ve been aggressively paying for the last two years about sixty thousand already been paid out, and I'm looking to refine answered you pack for a law away in a more payment and are loan officer just dollars. You know what I have you thought about three financing How shall we in that, though, I'm wondering if bag a good idea to have a positive cash flow right now guy by now I like to continue paying off my dad only in that way one is that if you ask a loan officer of you should borrow more money, that's like asking a dog of its Hungary and it would itself until it died. If you didn't take that away from it and that's a loan officer, they will loan you money from from today on and they always have a good ideas on how to raise their commission

so now we are not trying to get into debt darling you're, trying to get our remember, yeah yeah funding as we come to the family of entrepreneurs and in back day than and I'm just like, I wanna be zero, but of course not compete. Temptation and, like you know can we be back. You know later on. The question we have to ask yourself is: what's the shortest distance between where you are and wealthy is Borrowing more money on the duplex investing that or is it getting out of that the actual data says it's getting out of that. That's the shortest this between where you are and wealthy, and so we're going to get out of that. Because of the shortest distance between where you are and wealthy, then getting into more debt would be actually moronic. Wouldn't he asked how coolly So what's your household income and how quickly or pay off this forty k, we your cash flow

within the year like tiresome, I like him. I have grave unanswered. Duplex put it on a short term, as you can put it on as low interest rate. Is you can put it on and let's get that do? ex paid off now to bow just like that. They want more alone options. You silly. I know I've been doing this thirty years and it never gets. What is a score Dave Ramsay, one million zero, Yellow Dave Circe are going to ask you. Psychology question there, because what happens she's she's doing there. I think she's working the baby steps penal, sixty thousand dollars. Forty two go within the year. Their debt free live nobody else and causes officer, they do what they do, not demonizing, but there doing what they're doing well, and I know you will achieve the narrative. So we have to the narrative back and go now. I called to save money which We get out of debt fast, because if I'm saving money on the current mortgage payment, more money towards the debts.

Boy. That narrative just gets all jumbled in their minds human nature, and it is really actually intelligent in a way to look for the easiest rout. We want the easiest round You really should. Why would you like? The heart out of their energy will not munitions totally considered Elgin. To do that, you want the issues route, but the inside of the easiest route we tend to its all of us tend to look for appeal. If I could just take that get out of that pill at Bay out of them, makin take that lose weight pill, If I could take that, make my marriage bill, we don't worry. Do the stuff no discipline strange pleasant at the time, but it a harvest of wretchedness, human, nature is to look for them. Easiest way out and that leads us if we are not careful over the precipice into they get quick mindset into the there's, a short cut right, then

he knows about for me, and I think I found it. That's the treasures and not one yeah, there's no short cuts glaciers worth going and that's the trap, Dave Ankara, the progress, all progress, a smart So the very thing that's not smart, its dumb to do that. Take on more debt. It feel smart because its progress, if it well, if feels- It's a shorter, yes, come ashore, Conor, quicker, all that's easier route because look. I feel better. All that debts gone when we think about Instead, I gotta crunching right running grind through the rush the year, but then, when it it's really gone because, Here's a is an interesting fact about the math on this. You cannot borrow your way out of debt. That is true I would think it does get gotta get you there in a minute. If you keep day, you can't get out of a whole while digging out the bottom You can move your dad to your home, we're duplex.

You're you can move around. That's what dead calm. Does it allows you to feel like you did something but the dead still there. It just has a new name. It just moved it, so you did so. Please don't act like you invent far. Ok, you didn't do something. That was really you. That's the end, but that's the that's. Why debt, consolidation, here's here's how we know this trip. Eighty eight the people to take out a debt. Consolidation loan to end quote: coach pay off their debts, which it wasn't paid off just moved. Eighty eight Thus, nine out of ten times end up not changing their habits and running up new debt. Obviously the credit cards over under the second mortgage another. New credit card, because they don't change habits aid. Not all of them times, but it felt like don't know very smart. This small are interfering and grand

It is all about legislative, not about the fact that I came freak, stop much. Spending like coming hungry in Should, and that's not generally. This is just as this is the day when this is the impression I get. Breaking calls and emails all the time from people dealing with the loss of a spouse or parent Many of them can't even grieve properly because are too strict,

about the money? This is exactly why you must have term life insurance. You cannot leave your family and the situation, but the team of Zander Insurance help I've trusted these guys for over twenty years, and I know they are carrying an profession, gotta zander dot com or call eight hundred three five, six, forty to eighty two Welcome to the rams you shall get common Ramsay personality is my college days. We talk about rare me ya, and your life and your money. That's what room showed all about about you you're. The subject turns out you Rita gum entertaining outer site does tons in Kansas City high dust and how can we up a day viable? nervous. I've been watching, you gonna have noted

my, whenever launched a patient, what's up I got about. This might birdhouse I've bought. I slipped the first one. Second, one was finding on puffing, but at least of the issue, but in getting bigger turned on, I am on my third Wanna have a year and a half old daughter. And hard on my wife and my daughter to keep putting these houses and living in them. Ah, this is the last night a guy. I got about both bars thirty thousand into us. They got about fifty thousand equity equity. I'm just trying to get idea? What I should do I got up twenty five thousand in my bank is now and is trying to idea. What's next we for living, I was working company, looking good for you, what your household income about. Six thousand right now saw heard. Your plan is, if I understood you correctly, to stop flipping Qatar removing or lose your wife is, an arm with a baby and all

makes an art So you're gonna settle in. Are you gonna, settle in on this property? Are you gonna flip this one out and buy the one that you settle into a bank that the gauze after this one to be done for a little while at least but you didn't pick this went out to live in, you picked it out to flip correct, show Europe the one out to live and flip into that hold an emergency fund of three to six months of expenses, and everything else goes into your downpayment to men. The amount of debt you have in the one you're gonna stay in fifteen year fixed payments to no more than a fourth of your take on pay and you have no other that right I say we, I ain t. We are about fifteen thousand honour that idea You need to pay that of tropical and pray that off. Today again, believe you, ten thousand in your account in your debt for except the house without,

for sale and by your other property. When this one sales and roll everything beyond three to six months of expenses into this property and don't take on a payment, that's more than for them to take on pay and then your sat man, you're you're, on the track to go ahead. Are your long term investing fifteen percent of your income babyship, foregoing into your investing and start your kids col farm for that baby and then any other money you can scrape together. Do you know, if this house paid off law. Term. What I would be doing, if I'm in your shoes, because you ve obviously had some success at this- is we're going to not I'll get your home It often once its bite off, I'm gonna build up our house fund to do flips within cash from this point four, but that's probably seven to ten years from today. What are my guess would be, but I did that long time. It's fun business. Only I wish but I did it with that. And that's what the reasons are broke? I wouldn't want you to continue doing that

but I think you're gonna give you ve had a good run here, but use it to settle down the family dinner paid off and then you can go back to doing business cash later. We think- and I absolutely agree because as a roofer, maybe designed to be a Euro zone boss one day, certainly as a roof. Where he's got all these connections, I think take a deep breath, like you said, and before you know it time lies, the child's older Raby number two's along and do not have to live in and to be able to flip at which is. You recommend, I think it's great decision gives him a lot of optional. So I think this is one of those cases where your wife is right in its washed center? Yes, we're happy wife, happy life. It's been said I can attest to that topic. Jeff, our foreign, Canadian, yes, did right collar buttercup. If I'm not even your talk about our quarrels, intestine Florida Carl welcomed. Empty. Shell, what's up gentlemen, thanks to taking my car for I have we need situation here. Ma am I'm sick

one of my life to sixty five, we have three properties to a rattle. They have no mortgages, no car, no car payments, good for you all remsen wider gun product development, maybe years ago, a lot Whatever I got, no, whether what both directly and mortgage, your mortgage, we also a poor one case in my question is: is this age? Do I continue to buy properties and invested, led the money in the bank or of what should I do? What do you want to do? I don't know I feel like I should be adopted then continue making money. Oh cried are almost sixty four, I'm sixty, I'm not sign up for death right now, you're. What is productive mean too? and I am asking this question- curl, not from productive with your invest. It's because you ve been very, very smart. Financially I mean it.

Sixty four, the fact that your freeing can do anything realistically what it was productive on you I mean just still being a wage earners only hired now not earn any major way. Do you know you don't want to three hundred thousand dollar field, but I just really not sure I would like to meet your net worth over two million personally good guess almost like I've done this before, show the way to go beautiful job? So now you ve landed on the island of Paradise. Now what do we do so? If I'm, U number one. Yes, I'm gonna continue to invest in real estate, normal pay cash for whatever I buys. I got we're not going back into that, but I think you have fun without other, give out a good run with property. You like property, you know, if you don't, I hate being a landlord than probable. That's not the plan. That's not! The definition of productivity is being unrealistic, but it's,

thing this at your fingertips that you already have some knowledge of you feel good about. But now we're not signing up for coasting in to retire, are costing into death at six four we're gonna sign up for continuing to plough the field, concerning our challenge alone is akin common challenge, and that is what your backup whiteboard this thing for a minute ago. If I could do anything I wanted to do with the next fifteen to twenty years. What would I do that you know Colonel Sanders, nourished fraud, any chicken delays, sixty four and its right, oh and add just happens to be Carl's ages. I recall how faith so Carl. That's you Listen, you don't need to be a wager nor any more. What work do you want to do we put it this way. What contribution would you like to give as Dave just sent over the next five ten years? You want from me in all over the world? Will your face. I don't know about that, but in all you want. What is the thing man? What's that, then your truly at a place where you can do that this is where most people want to end up now absolutely wealth. To answer so proud of you very

matches in Kansas City matches are going up, you're a damn thing my call to. Ah, I am I'm single. I have a daughter who was their mother and currently renting and make about fifty Kay here and grows among baby said and my on, because you have my current gonna show but I have about accounting collection but around. One hundred dollars owed, which is relatively easy to take care of. I guess I can offer them for a month or so. The problem is that I have heard so far the critical mass and showing me my entire debt or collection was how I find that. Listen. Who should I contact about the correct and most efficient way to get them? I moved them entirely well to start with credit card which crap, ok, delicious

I wish that so it's it's it's a bait and switch thing to get you signed up for port debt is mass, what I did. What I would do is let's go to all three of the major credit bureaus directly and pull a copy of your credit bureau report, You can get a lot more detail that way of exactly what is owed Who lashed reported to you, so these are old enough debts that they probably been sold off to some? One else was what you're thinking yeah yeah? Ok, so you need a dig. That and start contacting the minutes. If it's a bit of a treasure hunt, because I start sullenness bad debt from place to place to play like how old are these? That's how long since you paid on them. One of the most five year serve Jean Marie, but till now you ve got a past. Ok, but you ve grown up through shall you get in touch with them? Be sure you get in writing what your agreeing to pay, which might be the original balance that I marked up Sevenfold by now, but get it in

riding and do not give them electronic access, your checking account, but just go to the three major Credit bureau reporting companies. Experience, Trans Union and Equifax? are you still at what you need there directly and you'll get much higher quality of information. It cuz they're, not trying to bait and switch as much.

Gentlemen? Railway personality is my collage today here only air. This is the rams. You show alleys whether such a brass golly must green, says you're dead. Three congratulations. Thank you gave. Thank you such remind the unfair and honour to talk here. You too much of your played off. I feel, when he nine thousand one hundred seventy three dollars and fifty truth that the Erika How long did it take five months on the guy and your range of income during that time I was right out of school. I didn't work here, and so I would make an invalid zero dollars undoing.

I've been off that I made what would have been equivalent lot. Ninety and they now I'm back to about the average foreigners like sixty five, seventy ease them for you, ve done a lot of, probably ok, you could do. I have we did I hooligans these signs at all, going to sell farm facebook. I was busy busy for five months, but for you graduate of pasture bar and drove him. Yet the words, I guess I should say yeah, ok, yet, for it What kind of a nurse are you too? my full time job is in the Nick you I am at a level for in Omaha a man I do. We have the hospitals on the side, piano good for you, for what may shall fired up to knock this out so fashionable your ball. Afar kiddo

I had a friend who still on his social media, about how he had found you and how you principles early, changing his life, and I grew up with a family who, as you know, we taught by gave a new about you. I had gone to college and honesty for my first three years. I get free alright scholarship, but then with my in degree. I changed institution from my prerequisites to minors to school, and so my scholarship transfer from my senior year, alone and it didn't, you told me that I can ask take out loans that fourth year, though, I had already kind of banned game playing Hyrcanus paler faster than I started. Recent researching new and reading your books and listening to your podcast honestly, if that ITALY about treatment of the previous year and on yeah them I think they really ways what started there start, the ball rolling and you know what they started out of you started. Having conversations with my patient, a patient?

members only apparently you who were shooting between time with their infant in critical care and going out there was no other children. Just you know it is evident. So much more answered quickly once their journey started, it was no easy task to catch fire now get out some way to go. How are you I am twenty three I was twenty two and on pain of all his money, if you feel to be free to me, being honestly has already had such an impact on my future, to be able to put all of my money on toward exciting things. You know I M getting married. This followed a trick site about yes, yea and the word like excited to habitat, remarriage and starting off in all of the best ways we ve been able to retirement. You know just its light you know where, where a lot of I should like my peers,

He turned about the next steps. Could there's always a next step? The next thing I get to look forward to the next step. I feel really blessed well well, because your chose- hard path that ultimately ends up being an issuer pays. You live, now you can live and give like no one else in Europe. Operation. So what are you tell people the secret to getting out of debt? Is you did it you're, a professional thank you. I still a big part for me was the mindset I just have a rule it myself, even being like I'm tired, you know I've done with that, because the idea that the defeat wrote just came up the quickly sexually keeping in mind that Nobody, for me with huge. I think that you some pictures as imposed that no stuck on my bedroom, while the other on the Youtube generally eyes for a task, yet so each taking over

two hundred dollars and initially effectively from the floor to ceiling, and so I would post every two weeks. I'd make my payment onto my instagram for all my friends see. I got to the point where I would like I'm a night shift nurse so united Working Thursday night into a more even coming home and people be messaging me. Where is your dad Hurstwood? If you paid today the eyes of accountability with massive for me for that as well? shut up and are only by general group on Instagram. That's amazing, here all the time when this is a key thing here. Dave Aliona, congratulate you and in common on this, if I've got it wrong, that's fine, correct me. Their legal bother me, but I think there's something about the right applause. We used. Posting those things on, Inter Alia, people started paid attention. They saw all alleys doing this, like every weaknesses show up and they say you're I guess I'm just curious was

encouragement from people reading those posts. Was that also not just accountability, but also some applause. They gave you some juice totally Definitely, and especially, where are you I could get? The messages was an off on my that, oh strengthening I don't know where to start. I don't know how did you less sitting, I was able to call them and talks to start in the budget or Oki imprinted my evil to attack. I didn't have not your total money make overbook stable, crazy home. It's been really awesome to watch everyone else get on fire with e, because it become kind of this group shared vision. Yeah I mean I see, encouragement that I got each week was so often I had friends corps The me and have gone to your programme before any money for coffee on my way to my thick shift. You know they have been very supportive. You know it gave me hard as working and they were so encouraging so supportive.

You're, an amazing woman, I'm so proud of you very, very, very well done. EL, I we're gonna, send you a copy of Rachel cruisers lightest book. No yourself! No, your money, can't I'm pretty can rest. If what you get Fifty thousand alleys going. We could change the whole nation. As about all, I would think we can you wicked Tipp over all the idiots out. There are no quick and one thousand done it the whole world wide ago, I'm so happy for yourself, you're, so bright, so's, so loud, so so so just so come on out of you, it's pretty amazing, very, very good, our eye Alley in Omaha Nebraska, twenty nine thousand dollars paid off in five months. Megan be sixty five. All the oak tree. A nurse can stand counted down, let's hear a debt bridge grew

Oh, Pretty amazing, we have a baby and Nick you, but if I didn't, walked round the corner. Things would be a little better well said, while took about infect, man smiling just what else you smile and you knew her smile question, she's fired a man and you know, there's something between that and end the it's amazing over the years are doing this. With this we end up coining the phrase- personal finances, eighty percent behaviour, twenty, and had knowledge or behaviour flows from your beliefs, that's ruined. He would never act on something you don't believe to be true and leisure. A path so otherwise you ve been out. Farmers would never plant seed if they didn't expect a crop and so there is a belief that causes that behaviour, that action of planting- and her case. She believes,

it's amazing to me- I talked to Be- will make a hundred times year and they can't figure pay off twenty thousand dollars, because your is their spirit, animal and talk to me like her. She stood at a college. She had zero money and passions are bored get six jobs all in nursing want I'm I'm exaggerate, but when she went crazy because she just was on fire, I mean huge. In both hands and an ox this thing out in twenty nine months Dave you said, that is so huge Folkestone what he said belief belief in what going belief that you can do it, but also the belief of others. I just had the thought scenarios in her story in today's. More than ever because of social media. In twenty four hour news in the Woke mob and all the things we are so worried about criticism when other people say, and we ought to be well not be word about criticism. We oughta be looking for the right applause from people go yeah. You can lose that way. Yes, you can that debt off. Yes, you can get that Yes, you can get the job you can do that we need

applause. That extra bit, I believe from people who know why we're doing. I believe that we can do. It is change Merriwig, offsets applause for all the troll dont worry about ratings this ramp,

in common rams, reverse banality is my co host today shows to begin Coleman, show suddenly fabulous radio stations, flush of hard cash ever popular, show on serious axiom, it's all about careers and jobs and finding your purpose and show jump in joy KEN Coleman Show, and you can join candidate right here, the phone number eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five branch, whether some boy she Idaho I burnt, what's up all basic taking. My call are coming up to him.

No idea started a new job, a mother to go on, and I accepted my salary not happy enough with it, and then I found out that my co workers are making about fifty percent more than I do. What do you make those wondering making? when you do an hour? Don't want medical advisers and their ragged thirty three hour, Thirty two? Are they measurably more experienced than you know?. How did you come about deserve all dealing how'd you this information from them? He will not work he got to others and me that were working on which one would you call them

I gotta women, like I gotta, tell you, are going to need a little bit on Dave. I got some thoughts with David. I wonder if not all, but you gotta unique perspective and how many people are fired and culture development, but so so This is really challenging because this is all psychology and your human until you get up you gonna have to rise above. This is the straightforward answer, because, if you do, this is good, to eat you alive, and I think your last very long. This is the the now RO comparison comparison is a cancer, the only person. I try to compare myself to. Is the me of yesterday and it's hard. But that's what you to do. Because if, if, if you're saying things are equal, and it's an equal Plainfield, they don't having more experience in you. They don't have any additional scarcely certifications are all that stuff. This is a really nasty situation to find out about. I gotta tell ya slight bit cynical me

We suspect that you got the information from them. On that same, they lied to you, but the whole thing just sticks and if you want to be there, here's last peace. If you want to be there in the sense that it's the ladder you need to be on your career, where you eventually want to get too beyond this wrong to get to the next wrong, then you're going The really suck it up and be the better man here and and stay out of this kind stuff in and earn the next wrong if you can't handle that than your eventually probably going to self selected and have to get out there and I'm sorry that a topic as it's a real devastating psychological blow. It's a really good question your brought to the forefront and the interesting thing about it is your tone when you're asking the question is not whiny you're. Just like it's like a curiosity to you, which is a positive thing. There's. Not? Are you not angry or bitter or such like that? You're just like this doesn't make sense like a scientist strike a meanness theirs,

here, and so I join you in the riddle. Why would you if you were to guess why that rapid, shook him pay. What would you guess they are in the business of the kind you get a little pays little? I came from me. She only gives an oversight in other. You don't think they I'll something different in your qualifications in the other guy, you, you don't think, there's a lot chicle explanation other than just sheer they ve nor pay as much, and they thought they could get away with it and they did. And they did I didn't come in. I thought the job the technician job, not a technologists job, and so they didn't. I pay out like love. This is really exciting topic fiscal like or back more than I thought I was gonna- be

then I found out with a job really entailed I'm a biochemist, not a medical and scientists in the morning to play golf and I figured out the secret to happiness, low expectations. So there you had low expectations and then you gotta four dollars more, and you thought this is wonderful, and then you found out your ten dollars under and it's all about expectations. What can set its psychological problem, What is the environment lying? What's the environment like between you and your supervisor, or your hiring the personally that the hiring with you is this, open, conversational, good people, or is it very The chain of command real shut, your mouth get your work done, meanwhile, is authority. Or does it the question on the only time I met my supervisor is the day was interviewed? She went on leave right after that and then has been come back. If a member state, then an

I should be so I haven't. You dont like them. Well, What I have found out is usually there's going to be. A difficult conversation is going. Be in your head and your heads, gonna explode, offer eventually or you're. Gonna have a difficult conversations and the train is how to sit down with her and have a difficult conversation and what One thing we teach leaders to do and your leading up in this situation is to just if, if an elephant in the room: go there's an elephant over there, don't act like you are there, and so let us call out a couple things that we know here. Ok number one. When I interview for this job, I first thought it was this and then I found out it was that I was four dollars more than I thought, and so I was really happy and I am grateful

by the way. I am grateful for the job and I I've got to talk to you a lot because you ve been out on leave and, of course, on night shift, but I'm sure and by this afternoon to have a five minute meeting with you just- and I want you to hear nothing. Attitude from me, but I've got to talk in the gas in the lab, and I found out that I'm the only guy with the exact same qualifications, it makes twenty two and they all make thirty two and what I want to ask you is: what can I do to make myself worth thirty? Two to you guys. Because I'd like to measure up an apparently not done that yet and that pretty well. Exposes the crap. What are you going. You Paypal rep me off. That's the other way to approach it, in which case you just get fired. Brent. Really, quick on Japan asked this question. Are you do the market research and be able to show that there is a rain income and that the work you are actually doing,

pay higher can is. That is not something you can find the evidence for show that in the market place there, they are actually above average. What's the other two are making no one What do I do? I will just say all of this number one: happy a twenty two I'm not coming in here to gripe about them? Making more number two I know the pay a brown hair is above average in general, but what I am do we figure out how I can be more valuable to this place so that I can be worth it and you put me in for thirty two is to have a twitter, but I want to earn it and I want you to tell me how I can be the best personally debated. Do that and I don't want you here anything from me but gratitude! Listen! If, if your boss gets too about your boss is an area. Where is your side? not a long term stay there The one thing I go shut up and get an account, you accept. The job then then start looking for another position, but but they will

you're bringing it up and what you're doing is your exposing the fact that all of this facts are here: oh by the way are you can also say, I accepted the job at twenty two shall I did the steel and I'm so I can't come ailing gripe about that. I'm not here to gripe about the real. I took the job and the fact that someone else makes more does not make me unhappy, but what I do I do not want to figure out a track that I can get on to be of value to this place, to where I can and join them in that kind of an income, because I would make me feel really fulfilled, and I would know that I did a good job for you guys and I can't just keep up that way, but you know I took the job I did the deal, so I got no gripes because if you have been thirty, two have been to have been a whatever number you taken the job and show you took the job you no interest, met that emit that you're on your grateful. And we don't have a relationship- does not see new and just put These things are facts out on the table so that that there's, no

shhh whirling around as aside an occasion this not happening and be real careful with your body language, your tone in your patient and be real palm. Like you been with us and not whining your octave down no high arctic, this is the rams. Russia guises, Kelly, assessing and producer Further Ramsay show. Did you know that over sixteen million people listen to the rooms he still every week and a lot of those people listed on one of our six hundred plus radio stations across the country to find his station near today, Ramsay dot com, slash shall, if you're looking for fun

practical ways to save money in your everyday life. You need to check out the Rachel crew, show a podcast from money, expert, Maidan, Rachel crews, guys its rights of creators, and I'm so excited to tell you about an ipod. Has a lot of you, darling, paychecks paycheck their end ass. You don't even know where to begin that they have this need this want to get in control of their money and his match. You, you have come to the right starts, so each episode jeering at a time of inspiration and practical advice, if not subscribe to the Rachel crucial podcast makes region. Today. There are more from the Ramsay network, including the Rachel, crucial, wherever you listened upon. Gush, hey, it's James,