Familiar borders of biology solution broadcasting. Would all environmental studios debts that day Ramsay? What that is dumb wages paid off home has taken the place of the Bmw those status, and I ran through your host thanks for joining us, Rachel Creams, Ramsay Personality selling author joins me the shower to answer your questions Rachel. Crazy times. People are out a lot of different kinds, I am the revisiting what prince

Both they ve been using the handle money to this point been handling money. Some. The way we teach your feeling pretty good right now you ve got an emergency fund, your Hata dad and you're not nearly as freaked out, at least about the financial part of what we are all facing. You may be freaked out about the medical part, but No one can prepare for that accept, maintaining your health, obviously, but the YA, the financial part, financial peace towards don't go together, yeah, it's It is a crazy time and I feel, like the people that I've talked to that have not done so, you know they are still having paycheck to paycheck in there and debts they ve been by other means. I wanted to always challenge them. As I hate this could be a wake up call and to have the same sense of urgency that they're, probably feeling now

translating that too, when all of this, because it will all be ok when life kind of returns back to normal, do not forget that feed and just go back to your normal bad money habits, but to really make a pivot and a change. Let this be a catalyst and then Is that really done really well, like you said, Anne are out of date and have an emergency fund. This is a time that you get to not only to have peace, but you're able really generous and you're, able to to help serve ends even just give literal money to Places Well that need it, because you have that bandwidth. It's really fun to be able to give in today's environment. Yes, to justify you're going to drive through because, of course that's all there is and whether it whatever it is pick up some mistakes from the stake out solar cell number. However, there doing it and the sleeve and outrageous tip in situations like that caution,

the book, the folks that are in there are some the few that are left in that company restaurant right now. And they're scared there get ready to be losing their job in a week. Yet because Russia may not survive the downturn, and so it is really tenuous times for people letter paycheck patron and you know what was interesting as you have a great my grandparents had the great depression that was their wake up call and they became savers and frugal and budgetary and everything result of that- and my theory has always been that everyone has their own great depression, sometime It is a world wide event like this one. Sometimes it's just a personal you just go through losing everything because were bad divorce or go through losing everything like I did, because you are stupid and what about too much money and that was migrate. Depression, meaning

it was my turning point the time I said enough, yet not living like this. And so the bad news is some folks are going through that right now. The good news is this can be your moment you your enough. I've had it moment and in a one thinks we did last week. Was this message of hope on Thursday night you and comment, and I an arm so what we decided to do with each of the rooms you personalities, the other six of them. Colluding me, in other words, are doing their own message of hope, unique to their brand in the areas that they work. In John Bologna, being doktor de being our latest newly minted Ramsay personality, their posting them. Don't laugh surgeon in their posting them all of the different social sites of Rachel's will be on mine and whole guns, and Anthony asian companies will be on Man and Huggins region. So always outcasts, not enough evidence can be everywhere include. Action radios going to carry on and you're doing here tonight. Yes, a mine,

tonight and I'm focusing mine on what to do with your money right now, because there were so many questions, depending on situations in answering some of the most ass many questions that were getting into Canada's revisiting the money topic we set at Thursday night, but I still feel way of like we're, not health professionals. We can't really speak the whole world butts. Professionals when it comes to help and you as your money and so that we do best around here, careers and yet in John DOE education. Even your anxiety, yandah things for me personally, renewal, Gina, yet so being able to kind of look back around on that and and talk about some of the cephalopod vote on Thursday night, but I'm kind of they take it and a challenge to be bought their. So yes, my message the series begins to knights and I'm the first one first, one up so too seven o clock, my two chainz on Facebook and the other personalities, including yours and aeronautical. You Dave or die

here is what to say Dave. But yet, when I ran on yours as well, so that we will really play them on all social channels and podcast, so makes your check it out. If you just need a little bit of a shot of hope, We all do it's. Therefore, your inspiration, realities, motivation, just clue now right, positive, asserting that there's a truth that we do have hope, and to be able to speak that boldly right now in a time of chaos, as was really really important for our country. When we were you when you were a baby and was gone through, bankruptcies from France shut down with me, and he looked at me and he just very quietly- should you're gonna get through this. I already knew I wasn't: gonna die from it with bankruptcy. It just was really painful and horrible and losing everything and scared about paying the bill with babies in the house and keeping the lights on, which had already been cut off once and that kind of stuff, and so but it was just interesting for someone to speak.

The power, the turn the Bible says just speak there and calmly him, and he believed it. He knew what he was an older guy and he just should NOS twenty eight, and he was looking at me across the kitchen table. He said yearning through this Now he didn't guarantee me wasn't gonna get worse, forgot, better in guaranteeing we wouldn't be tough, but there was paying even guarantee me no bumps rotors car laughter, whatever political. If, though it and I'm you know, if you been been laid off, you don't get through this. If you ve been followed, are you afraid you're gonna be you're gonna get through this and that's the truth, if not just think positively, and it won't be okay. Now, I'm in your ear, you may have to wait. Do waste deeper ankle, deep in some to get their out another from manure out there right now, man I'm sure about with manure is a gross things so hum

the time I get the mesh like this something good comes out of it. Along with the bad and shut it could be the richest. Your wake up call it could be. You were doing Ramsay issue now, you're serious, it could be. You learn something about yourself in your own character, on how you have dealt with this fear and could be allowed different thanks check that actually got com. Slash, oh by the way, were adding new free things. Every day to day we added a smart dollar features. Smart dollar is what companies used to teach our curriculum to their employees for answers. All of cocheco has gone through it and that kind of thing your company has laid you off or if you are a company that has like people off for the laid off people we're gonna furnish smart dollar free with company contacts of all the people A delay offer furlough will furnish smart dollar three, so they can go through. Regular mother drawn about back themselves.

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Mitchell is in Georgia. I met your welcome other Abraham show. How can Rachel me help they re to break the party? Are you to watch wife, an iron babysits, four, five and six. And what way Thank you for your help and shown us how to get there, but the army into my income isn't affected by the corona virus. My question is: if we actually do thirty four hundred dollars in a stimulus package check? What should we do that money? We walked down the baby steps or give it or to spend it and put it got into yeah. I would I would definitely walk through the baby steps in being able to invest. Some actual right now is great. If you have

nobody to new do because you have no doubt and fully funded emergency funds are putting extra money in the market right now. It's not about gay an enduring some some more the house. You guys have kids here we are too did tell. Are they. One in three our case again babies and do you have a college plan set up for them. Word is good. Let started This money would go really good into that yeah. That's where you are baby, don't force your dirty to fifteen percent. I assume five kids college and you know you got back and you're just gonna set up in the markets, say, all right now button in other stock markets. Now is a wonderful time to buy and get your kids college did that money workin for you for kids college. I think that's perfect exactly what I would do. Ok and take even I mean even a little bit you

about the give parts we want to give some of the young generation as small as yet taking a small bit and finding something it right now to give tat, you think, that's a powerful. We are encouraging people pass babysit three. This is imminent, you are in a position to be able to give as well. So I wouldn't have thought out completely. There are definitely move, we take income as as evangelical Christians in our home and we tie down it anything that comes our ways, income and so on, to our local church and if you're not doing that at least take ten percent of this plan, and I you know, increase people's tips somewhere or find somebody that just the other just gotten light. Often pay the rent this month forum or whatever. That kind of thing you d, better with renewed. But now I have heard people wit weathers. What the stimulus check coming or just extra income asked the question: should I spend debts to help fuel the autonomy and the other? Is he asked you yeah? He asked that this, my patriotic,

right. That thing is, if you are smart for your family and you do something was for your family. You have properly supported the United States of America, but I can carry your family, and so you are not required to go by a bunch of crap to say you were patriotic that it now we're not gonna ever go there, and not that Mitya was saying that the lad I just I've, heard her guidelines. Lounged gets around from other stimulus check that came out get out back in two thousand. I think I am personally I feel moral obligation to stimulate the economy are right. Now I don't at all I'm not worried about. If leave me enough, other people are going to do that. You don't to worry, you're, stimulating the economy by paying cash for your kids college cuz, you find their college fun it's just not today's economy is tomorrow's economy. So thanks for the call open phones at eighty, eight thousand, eight hundred and eighty two I've. Five thousand two hundred five Peter, is on the line in D C, Peter how're you doing well, thanks

We must reject you, Michael sure. What's up, do I have a quick about when my rent is currently about twenty two percent of my take on page one might not sweet spot. That being said, I taking a lower paying job for one year and then after that year I'll be right back in my current job, making about twenty five thousand more than I do today. Why? But here's the thing so why. I am a lawyer and will be taking a job, the clerk for a federal judge. Oh ok, I got it mentions career to carry it, It is indeed but the thing during that year, my current round would be about fifty four percent of my take homepage, do you have a written budget? I worked out and unable to cover rent and expenses. I wouldn't margins that my question for you is, do you think I can say in my current? meant or do you think I should look for a new place during that year if

call, I don't know a lot about it, but of our colleague lurking at that level is a pretty strenuous job like a lot of people, pretty busy like not time for an extra job. I might be able to do little career coaching, like law, school during the guide: do you have any money on savings? I do twenty thousand ok, so you could some of that, your emergency fund and some of it I'm gonna, supplement my income and added some extra work to this equation between the two. The ratios would change dramatically. Wouldn t you like, but I was thinking Something like that. I mean like if we should ok we're gonna name. Forty thousand the emergency fund and six thousand is five hundred bucks a month for twelve months to supplement

and I'm gonna work Ekstrom bring another five hundred bucks on the side and it's gonna be a really tough here, but I'm willing to take a step back because once you ve got this on my resume, it really move my career along, which is I'm assuming. Why you're doing this right? That's right through it is of the up the connections and the resume notch in your From carking for a federal judge, the big deal- I remember right, so you know what you re here. We are you planning on staying in DC after this year will be going on something that's key right. I mean if you are you're gonna move you gotta move anyways. I oh yeah that those another good question yeah I'm trying to keep you from moving. If you can, but I'm ok we're moving The other world is expensive, emotionally and financially both to make a move just for twelve months, when you a good job of saving. Your obviously got that budget doubt in, but now fifty four percent, is not sustainable long term. Unless you some way to cover it. The good news is:

only twelve months you got some money to supplement it. You can have some money to it with some extra work you do. All of that I would say: you'll be able to stay seems to make sense. In my mind, is a pretty cool move to the clerk for a federal judge of your attorney. If that's the world, you want to be in the USA on a pretty serious opportunity and just attack on that one he's gonna have a year after this is pretty realistic. Some people take a job cut, hoping oh maybe one day I'll get to do Excellency make it back to my income level, but this is a pretty absolute which helps the they answer as well. Exactly it is it's very down: it's not area is free, but not thought I hope, you're right good. I think this is gonna work out right right, good point good point: Katy is whether such a high, oh hi, Katy. Welcome that I've Ramsay Show, I think you. How can we help, though I'm a high school senior thy I'm planning to go to college in the fall in uncreative

Did you hear foundations and personal finance class from four high schoolers and in that course you meant that we pay cash for college, and I knew that college was gonna. Be usually hard on my family's I bit by all that I can you stay out of debt, I've taken over thirty college. Could I say which is about one year of college we'd denied student loans? I paid I've applied for every scholarship bearable, I will be doing work, study, programmes, currently hold for part time jobs. Did you not car and not paying any payment on that is obvious. Had a house, have no that I say for what I need and I pay for in cash. I parents work amen: seven jobs as first responders generally out of debt diagnosed loans. It saved up for me go to college, we both taking your financial peace classes or why

responsible with money, but we still cannot afford to pay for college in cash. One on earth describe it should easily You told him by going to school what what's your tuition, expense. I'm planning on going to Liberty University in Virginia and it's about thirty six thousand year docile. Four times what you can go to the University of Ohio Force or you can afford to go there right, but it today, priority for me to gain a christian education. Well, it's me a priority to go into debt, for it. And carried. Let me just encourage you on that ends. I went to University of Tennessee poem. Diversity and, as a believer still kept. My faith had incredible. Community action on my husband Minister, that we had their Knoxville and you can one thousand percent still walk with

and have a relationship with Jesus and go to a public school, so some people they that's what they yield to the call of the christian education. Where do I, like you, bring trot with a cushion, were a real on everything. I think that's wonderful him before wells or friends of mine and I'm a brick supporter of liberty, but I would never tell you're going to dare to go there. For that reason, The only issue you ve got college choice is not within your budget which is normally what causes people to go into that. Over the years I have seen so many family suffer by not having life insurance. It's not that I didn't care, it's just that they didn't know. So they did nothing. That's a huge mistake. Listen

bones and wives, moms and dad's think about it. If you died, how would your family pay the bills, the mortgage food and plan for a better future? This is what life insurance is all about, and term life is the only way to go. It's not expensive and it's not complicated. I only recommend Zander Insurance and I have for over twenty years, call them at eight hundred three five. Six forty to eighty two or get instant quotes online at Zander dot com, Thank you for joining us America. We're glad your hair open found a triple eight eight to five five, two to five join Rachel crews for her message of hope, part of our series, with the Ramsay personalities, each doing a message of hope tonight,

whose denies Hogan was denied Christie right. Thirty Doktor John, the lonely doktor de Friday Kin and next Monday Anthony only your each of them will be posted on each other's. To Graham Twitter, you tube face? can show on so you can find them, but Rachel's will be done tonight at seven p M central time what to do with your money. In the midst of these, wacky and weird times are questions that comes from blinds dot com. They have a one hundred percent status, action guarantee, even if you miss measure, you pick them Color? They re your window, blinds free, free samples, free shipping, and with a new promotional run every month, you're save even more use the power ok Ramsay to get the best possible deal Rachel? dream in North Carolina says: I've been putting fifteen percent of my income away. My for a one Kay. The markets been dropping in a

a lot of money should decrease my contributions right now or should I leave it and can you to invest fifteen percent? It's like the number one rose, I take money, other market, I stop investing. Now. Considering I'm assuming that you are doing the baby steps and you have no debt relief, emergency funds just keep on that fifteen percent. This is the time to buy when you're in this position- and you have them neither do its one hundred percent keep going, don't freak out, don't panic, deafening money out of the market- and I wouldn't contribute less because of it in fact- contribute that fifteen percent I mean I wish I could say in even more if you, if you are in that position, but man, it since the time to buy. Now. If you extra money, for some reason and you're completely dead, planned by the aid of seven, and you got fifty thousand bucks nor taken account. I would place an order for some regional funds today, but otherwise,

I wouldn't increase, but that voting over Siberia. Fifteen percent is where you are and Christine the rule of Craig, I remember this. You have

lost any money until you sell and in the star and start market where we call that locking in your losses. So you you ve, only lost money on paper, and so you haven't really lost money yet, and so let me give you an example: ok of the stock market goes from thirty thousand, which it was it down below twenty thousand, which it has done, and it returns to thirty. Two thousand: did you lose money? No, you went for a ride on rollercoaster and you didn't get off in the middle of the ride. That's all that happened, and so that's what happens during these times and historically, if you get with only you're smart rushed prose as an example and asked them to send you some of the history there. Some interesting history pieces that the mutual phone companies put out actually could gather websites and probably get em american funds or vanguard or fidelity here. You know that, like the worst time in history to take your money out of it

Because, following these de ups dear to geopolitical national, weird events, there almost always has been historically a rebound like a ninety percent time, there's a dramatic rebound in the months and even year following an end. So it's like the worst p, Malta? Not only are you locking in your losses, if you get out now, but missing out on one of the biggest increases that you would have seen historically and southern some really interesting charge to read over this, like you know, following the caught the all falling after the cold war, following on one one following two thousand eight, following whatever scare, there was interesting one in the fifties: the stock market went down and this will almost make a giggle. You probably don't even know this unless you know your history of game, but in the fifties the Russians were the first to put a satellite, an orbit

I didn't know that. Remember the name of it brought back yard. You better! Go another cause of her friends episode, but you're going you're on your pyramid. Hours for history is from freely give lifecycle. We are a rudimentary we're screwed. So what happened after meant, because Americans were disillusion that the Russians were winning the space, so it went down space without your landlord Martin O, because business, like all the Russians, are kick in our but and then go we were the first put. A man on the moon stock market went back Ok, so unwilling that right right, but I mean every time- is a negative or positive outside the only time we really make it a huge focus in our lives is one of the negative or positive is huge. Actually, then we make the positive she break The negative that's right, Yellowstone, agony, and only if the world is coming to an end and here's the deal to me, I think about Christina Just assume that you're not a fan,

so planner by trade, and so when you are someone, that's not in this world day. In and day out, your natural fear takes, everyone takes a dip. You naturally want to put your money out and then when it goes good again anywhere like ok, it's better now I feel safe and I can buy back end than you lose your saying all the growth in everything so against buying its buying high and shelling low Rachel. Make you not ever make money. It's right, that's exactly right! You wanna by low and shouted Diana or better yet by low wage. Are there as well I have never sold in thirty five years of investing I've, never sold a mutual fund in a downtime, because our scared, I've written all the way back there in the eighties I've written nineteen eighty seven black Monday market crash came back. I've never sold phenomenon, I didn't sell because of what UK I didn't say

and you know what that money has turned into a lot of money, because I just let it shit they're gonna grow, I just left it alone and continually at and so the moral story is the only time we we're tell someone to sell take your money, audio retirement or something like that is if your facing a foreclosure or a bankruptcy which you should not be to date because of the corona virus, because there's very few people have Lost a job in January, other houses in foreclosure in May. Younger forecasts for being one month behind so you're, not in foreclosure, let's and you get a month behind right now. I still wooden cash out your for Ireland. Could not that's not a foreclosure bankruptcy, yet because next month you may go back to work. Are you may find these non gazillion jobs are out there today that are hiring like in the middle of this, and you may be able

hey you're, mortgaging catch up. I mean, if you had to pay to payments in May, because you didn't pay your payment in April. That's not foreclosure. Bankruptcies still would not cash out your for O K. For that, I thank you make that up with extra jobs and you'd make that up with super tight budget. If you work in turn around, so we don't. Even in that case, I'm not gonna catch it out. Now, if you're six months behind and they're gonna foreclosed Tuesday next and you want to catch it out a week early to keep the foreclosure from happening. Yeah probably would do that if you ve got substantial equity that you're trying to protect on your home that kind of thing than yeah you're you're gonna have to and you're gonna take a bath with arm in our penalties in and taxes and other stuff. But that's a really really good question and I get that allowed, especially people who joined started investing you're, just like you're all excited about it announced like bummer. Oh, yes, oh will you look at the number

that's right, you sign into your account and, like all girls, I mean my stomach, turns our suffering man, so it is, and it is about but you don't want no haven't. Even looked at my that's good news. Yeah, you know, maybe I'll just I hadn't thought about noted did yeah. I know it's a start more, I have no idea what to do tat for short, first, our home. I know what it was. A man Or to harass things I ve shown well done, serve any purpose, because it's like a changer right is like a ginger outcome. No one's things we teach leadership or teaching function in running a business is, if you know what the principles are by, which you run your bid, you want your values are among your cash about. That's my principal tripe show once you know your What are your decisions or a lot? I'm already made for you that just the pain of exit, Reading the decision and no other tolerate that kind of behavior I've gotta. Let that person go cuz. They behave that way.

The decision was already made. I just gotta do the hard thing that the decision was already made on my casual outside our brutally I'm not break, and others ain't got an answer. What am I looking? Not scared just that matters not going to make the decision retro crews joins me there's our this is that I Ramsey show Burma is in South Carolina Cavern welcome other Abraham show. How can Rachel may help having the iron curtain airline pilot, and I won't commercial, real, say industry, and what

thirty one. We have two young kid. For about a year we ve been saving a lot of cash and living about five thousand dollars under army, whose and our mortgages about ten percent of our entire in order to buy a pizza, land and build our dream home and were under contract to do so in a couple of months. But now, with this, unexpected crisis will really scared queues and so much cash right now, given our industries on you now. If this crisis goes on for more than a year or the year impact, her industry go for quite some time then were concerned that we don't have all that cash, though how much you have. About thirty five thousand dollars. How much is the lady and it's a hundred thousand dollars- I wouldn't have been buying at anyone. You know that we were

we were thinking. I will be ok because our mortgages so well in the land him. It would be a thousand dollars a month to that mortgage together. Would be under. You know: twenty Cyprus! but where new year's baby steps, we only honestly started paying attention. To this maybe a couple of months ago- and we realise there are a lot of things- perhaps you should have you not have been more the planned on, but I guess we were just thinking because we're living so far under our means that it will be. Ok, and now you know- what do you have other than your home I put my husband, your schools, we don't have any student loans, we have like a four thousand dollar car. You know total owed on one car, we drive old cars and, like a three hundred dollars a month car payment basket, it like you guys, are pretty common, wise people in General- and we ve just kind of started getting plugged into arsenal-

what happened to hang our stuff is, is it gives you a on the ability of food, tune. What is your positive nature already? Your nature is your wiser frugal. You take your time. You're deliberate, and then what we give. You is a lot of proven steps and processes to kind of clean up and give precise step precise movement to the principles you are already. Conall live does that make sense it dies so in Erin Haven tightly wasting had been more discipline to do the baby's that you know well not have taken the right steps under them. Right now I mean maybe step ones or thousands dollars you ve got that too is dead free, but the house by the car off tonight. Ok, ok, then, babies to have three is three to six months of expenses. The money set aside other than this thirty five thousand.

We contribute fourteen percent each to our foreign k from for an emergency fund. Now this latter Lamby English, toast, ok yeah, because what your nature was telling you was, you were gonna, be sitting there with no cash and really unstable jobs. Even though you are frugal people, that's not me, you can't frugal your way out of that right, and so your nature was. Cannot you telling you that you out in I used to Do it the other way opposite of you in that I've always been good at making. Can I thought I could out my stupidity and engage a kind of trotted out frugal. Your stupidity All I'm saying That's the answer to everything. You know it's not! You! Gotta have a game plan, so your thirty five thousand needs to be four thousand of the car and then an emergency fund of three to six months of expense,

which right now could be thirty? One thousand, I'm fine with that unused park. It and your illusion, how's it on the land they all unless they want to allow you to renegotiate purchase it later. But right now you you should not close on that issue. Right and also those casual were telling us when I needed to push over the edge and I'm in your shoes right now, I'm on the same age. I've got three little kids and so I'll just tell you there's just as some encouragement a monk we ve been taken, calls on the show of people and are sixties. Seventies, just start the stuff in not having even money for retirement all that many of us are just the wine and that they must you think, I'm even if you build your dream home and you press paws on only find a better piece of land but you're well, maybe even do something better the bigger something more. What you want, I mean all of those things just time as in your, favour, and so that dream of purchasing and in building a home that doesn't mean that that can never happen. It will be delayed. Sunday

a delay always comes in your benefits down. If you do, if you do, it usually you need an emergency fund. Inflation need to be let free before you start talking about moving on donor thou steel- and this is another house, do you now. Public gonna show your home living apart, I bought a land and, if we can put the land on definitely want to do it make it part of a construction ongoing start construction, rub them, but that's gonna be next fall at the earliest and arm. That's what I would look at doing if they want to hold a special plan until things compounds not like they probably got a bunch of buyers lined up right now, anyway, and so young and the peace of mind of having that cash in the bank is in jail. Haven't emergence the support we can avoid talking about, and then all of this hits what's been going on with with Colonel ass ends, unstable jobs, all of it you're going to breathe a sigh of relief they even continues for an ex couple of weeks or even months, hopefully not but manual?

We sell thankful that you have money in the bank verses a piece of land at that point, and here's how you can tell if this is wise. Catherine, you had this anxious between wanting to close on the deal and knowing that it felt on. Was you had this pulling at you and when I'd definitively said no, you can't do it you nodded. I didn't see you, but you did you nodded. You smiled a little bit and since apiece war washed over you, you can tell you're making a good decision if there's peace in your spirit when you're an ongoing when you ve got anxious in your spirit and you're gonna forward. You know you're heading wrong. Why? Whatever it is, some things are higher pressure. Some things are more exciting and that's not to be confused with peace. You can be excited the sty peace, but not anxious.

So that your your spirit was disturbed and you can tell that you kind of smiled. You cannot love it and you just and you I said no as if I get to make them and I dont think I dont get to break this is, and you just called for an opinion and it's worth what you paid for it, but in an interesting how you felt and that's confirming to you that this is the right thing. Sometimes sometimes what we're doing here on the show Roger you and I and I were bioshield. Sits in these chairs were just telling people what they already knew, but there's a sense of humor, are there any that just tells you yeah? You know all it was the other thirty eight euro, or forty zero version of you is making, better decision than the five year old version of you. That's a shirt get on Syria allow with a red facial mad, because mommy won't by the cereal. You know we ve all got that get inside.

Thus I wanted I wanted. I deserve it and you say stuff, stupid stuff, like entitlement phrases and I wanted I deserved. I worked so hard all this stupid stuff. We say to ourselves Morgan rate and make a bonehead decision. It always comes up, but it has no peace in that sank. The peace that passes understanding you gonna, have the sense of, and are you if you can't find. Peace in your decision making. You are making a bad call and that's a rule of thumb. What use are on her leadership, stuff and sad Ramsay, its rule fun, we used in Hungary, you'll grow up and I'm not gonna be panicked and I'm not gonna, be driven by fear monogamy driven by axed. I have been afraid I have been concerned. I have been worried many times in my career, but I'm not gonna make decisions based on that you'll kill. You won't yeah, absolutely aiming at

It is an amazing thing, a fella given when it comes up, little finance and all the craziness. Having aren't now just giving for permission more than ever just to go back to common sense. Right, like what is common sense, tell you, which is usually org. Like your saying, multiple know the right answer, but sometimes you just need that permit and ends: that's really gotta, giving it to you giving you permissions. I know I'm not doing their rights not live in. That way does that there were still alive, still live chickens, double house later in life. It'll turn out better than you have much more joy from it. When you write Wretch accrues tonight, don't miss it. The message of hope Series, continues with Ramsay personalities, they sure in tune in average, approves dot com and at Facebook and Youtube,

this is the direction we share. This is James Child producer, Everyday Francis. You can listen to anywhere with David. That's the full show roused by topic horse inputs, your friend had to be absorbed download the day brandy she'll have today. Make more money doing what you love check out: Christie, rights, business, boutique, podcast crises.

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