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from the headquarters of Ramsay Solutions, broadcasting's amid all environmental studios. It's the day, Ramsay show around she show TAT is done casual king in the pay of mortgage, taking the place of the Bmw status, symbol of rusty, right Ramsay personality and number one best selling author business boutique is my co host. Today, as we take your questions about life and about money, it is a free call,

a triple eight, eight to five five, two to five: that's triple eight, eight to five five too: five, you, Japan and we will top rachel- is gonna start off this, our she's in Washington D C, virtual how're, you anchor Gabriel, better than I deserve. What's up so my question, I hear greater harm. It used to be my home, we learn. I moved out when they had passed away about our almost five years ago, and still it's been about three years. I've been waiting, so now I'm about appointment, trying to decide. Do I get rid of it or do I do? keeping all about three thirty it already toward about five. Twenty five. where you live, and I bought a let alone do about another hunger. I did an how's your career, going

Well right now. I am in October twenty eight. You know, so I started a business as taxi accounting for small businesses. not not doing too too, I now club, where we decided to jump back into the workforce for that little butter, on the income side, makes you look at this rental. Yeah yeah lie because, after all smugglers, what the occasional vacancy and the occasional repair you're not making up enormously, not really it's covering the mortgage just a little bit over that an that's about it. Now, there's not much wriggle room in this deal go on. It just shows like there's. Not lotteries is to keep it yeah can holding onto for thinking about letting up,

Let me share with my husband, but yet at this point I am I'm at a crossroads back well understand and part of that, holding onto it, went away when you rented it right yet may not dislike Are you you're moving it from the homework? dead life to now business transaction, but that gave you alone further time to push him. Just between you and his passing low, but more healing right, right, yeah yeah, I'm an emotionally letting go of today's different than it would have been four years ago at the I wasn't ready, definitely wasn't right, yeah so crucial when or how her business will be affected. If she didn't have a strain yeah, I'm just thinking about just the progression, even us as you're, describing this Rachel from like you're saying five years ago, and then now, because even if you do sell it now,

It doesn't mean it's gonna be easy, but still you're still gonna have an emotional pool, it'll be easier than it was five years ago, but it still not going easy, but I just wonder what could be freed up if you did let it go, what could be freed up in your emotions in the headache of having to deal with a mean having a rental as not just free money coming, unlike that, that's work your part, its maintenance, it's the the dealing with the day to day of it, and so I think that while it might be difficult to walk through that to sell it, what would be only? side would be worth it Thelma. You have got lots of March in your pocket. I'm just wondering if your business might, if you took a little strange of a view in this land into that business. Should we make that business turned a corner rather than head back into the workforce, sometimes stress and the the weight of several things on your keep you from voting.

businesses are, I think there might be a release that yourself, I'm definitely selling it. I have no reasons on my list of talking to you to keep it. You're gonna be free. I made the EU delegation sadness, but but I didn't make you any money. It's it's really at the other day from a financial standpoint, is really not a blessing and the iron, the actual money in the bank out about equity would be, and I give you some options and stay on them. aunt Rachel cause. I would love to send you my book business boutique, there's a cover, a lot of different aspects of business in this book. It's your plan to women also might help you identify. What's not working. Is it your pricing? Is it your customers? Is it your marketing? What hasn't been working in your small business that you could, like Dave, said, improve fix, iterate to be able to make that thing work in this new season test I'm aligning Kelly concern that to you shortly dump our knows where this fort worth texture shy. Noah. How are you are you

better than I deserve. How can we help. It's all. I haven't attire hard time trying to decide between birth doubts in the house or investing. I really want start investing or maritime over them No, you can do that. Oh great, I am twenty years old. I just finished David step three in I really I just don't want my retirement at here. The potential outcome mobility have housekeeper nobody else? So why haven't effort now in it? That's it! I wonder what he make an unexplained without much good for you at twenty three, what I've got some intelligence, very good! That's gonna go nowhere, but up from her, where you live anomaly.

more than a home right now, but I got my apartment little monkey much month. That's good plan. Are they got a really good first step? if you're putting fifteen percent of your income away and baby step for into retirement. Can you not saved towards the house above that and I was on the planned by now. I should be setting Ripley almost sit down on me. I could be seen for house, but Well, maybe in three years from now, you'd have eighteen thousand between structures, all that's not the end of the world, or a point. You wanna Doll back baby stepped forward and will do what we call babyship three b, which has a reduced or temporarily put on hold baby step for, while you save aggressively for I am payment more aggressively, thou be fine, but you're making good money. Here's the thing fishing that you're not only mega seventy thousand in business, intelligent! That's exactly that's gonna stay here and we make it more senior already gonna make that go faster. I think you can put fifteen percent away and still have a house in two to three years and I think that's a fine plan

there's nothing wrong with that, and I also think it a little too shy to whom I thank for the cop. We appreciate your joining us open follows a triple eight eight to five. I'd five two to five smokers. You when you run a business or your own budget projections, are good looking out in the future and projecting your numbers are good. The first thing we can do is we tend to just take what we know today and extend that yeah linearly, assuming its gimme, the exact they like in his case, he's gonna, make seventy thousand for the next four years and you and I like each other gone twenty three like it's only already right: business intelligence, a hot topic, lots of stuff happening with data right now. It's war, the hottest career Future Cooper, we'll get into in the Tec World and and if he's good, added and leans in which he apparently as is already landing stuff, then he ate yeah. It's very possible folks that doubles of income in three years right right, You don't take your business income or your personal income,

and necessarily projected on a line like Megan whatever, like an elm, always gonna make that its very soul you do that some jobs here and you get cash living rising. That's it! but other position Joanne, while You can really be on a curve, the same thing through your business with a product line or anything else. This is the rams. You shut your number one. While building tool is your income? or business owners. This comes as no surprise as your you to putting an extra hours and watching your bottom line? That's why christian healthcare ministries or C H. M is a great up. And for those who are faith focused and budget, conscious, see

The term is not health insurance. Rather, it's a health cost sharing programme, its got harder, but it is different. To learn of C H. M is a fit for you or your business. This c h, ministries, DOT, Org, slash, budget, for sure I Ramsay personality is my co host today, open phones AAA eight to five five, two to five Charlie's and Buffalo New York. I currently our area how you better than deserve. What's up so My husband and I recently using an accident, a pebble I recently received a settlement of a hundred thousand dollars. As your day, not I It's actually a bike. His yearly Folliot fully recovered fell with that really like Eminem, Slovakia's about. Actually it was

very better than he broke his leg surgery. All of those all those bills have been payment was covered here. Ok, vision you gotta per thousand clear and he's ok now, yet how can we learn? Adventurers. And what is not sure what to do with it. I know there's worse problems to have, but this kind of burdensome look. I don't want to mess it up. You know, I feel like I, Until we don't know Arab, I'm an old it was younger. What to do. I understand you wanna, be careful with it and was well. We would apply it wherever you are beyond the baby steps. So, let's walk through their little Betty Evans dad other than your home oh no home Eddie their home that ok you're, not lately, That house and everything what your household income

about thirty three years, that a few thousand ok and, on the other, an emergency fund of three to six months of expenses, yeah yeah, it's close at a nine month. Good God. You're really get it right. I don't have that when he had heard about you, you ve done a great job. Your great shaped! Congratulations! Well, you know you. Yes, you could buy a piece of real estate. If you wanna buy that pay cash for it might be, pushing it to find a hundred thousand dollar property and Buffalo. I don't know things were going pretty high down but I would not want you to go to bed for a rental property. I think that be a bad plan, and so, if I'm, nurses and that's gonna put me a mutual funds, probably and so on, and you you take your time and understand that investment and you don't move move through the the prom,

of learning on that before you actually make the decision a good way to do. That is to connect with one of our smart vesture prose click smart vesture at Dave, Ramsay, Dogcart, Ramsay solutions, dotcom click, smart vestry to me changes for me. Remember thanks! A lot anyway, so yeah, rounded Ramsay solutions, dotcom click, smart vesture, animal drop down list what Mr Approach in your area that you can connect with sit down in for them to get our endorsement. They have to have the heart of a teacher. They have to be willing and able to sit down and teach you could. You should not put money in something, you don't understand, and so you know, when you don't something new like investing its intimidating yeah. That's all you need someone that knows that specifically, and I think some people feel like I once was to know this now, even inside this building, we use investment professionals for our investments, because they are experts, it's what they do all day every day. But your point you wanna, go to some one. That is trustworthy, that

line with what we teach, because if not, they could explain things in a way that you will understand and you end up making mistakes. Are you wanna go to someone? You trust there down, spent an hour with our tax professional, but does that handles the Ramsay family, God tax be open and I all the stuff in, and you know, there's no way. I'm gonna understand freakin ten billion. We urge that the irish row No them all that is job, but I do need understand enough of it that one up at my signature, at the bottom of that return that I know what it's saying right may not know every little nuance in every little thing perfectly, but I need to get the gist of what we're doing so that This blind lay signing things and not looking at them, yeah exactly and that's the same with investing it's the same. Doing your will. These are things that you don't have to be in our you can put an expert in your corner, but

even so my workin on your car. They come and go. Well, you knowledge can be eighteen hundred dollars to fix the gym again, the Jimmy gag them, what the flips Jimmy Tell me what the spark amount of applause, I'm gonna have to get a figure overtly. Eighteen hundred bucks. You just got my attention now. I want to know what the flips goin on here, so. You know you have to be taught and- and you dont blindly trust anyone because we're cynical, because it's our job to be responsible for our decisions, where you get screwed on anything from car repairs to investing in anything else. It's when you don't understand what you're doing Can you guess what all that's my guy you take care of me as my guy or you're too, or you feel like you're gonna, look stupid if you asked questions like this. Is your money at a hundred thousand dollars or whatever you're doing at your cards? Eighteen hundred, I asked the question sites I would know what does that word mean? We met not just sit down with our investment guy.

few months ago to come to a reset and where we're goin, what we're doing- and there were several things he said it I go. What does that word me only note that word like eggs and he explained to music. Okay, so dont be scared to ask questions. This is your money that you're invest. You can ask those questions and really good people will answer them in a way you can understand attorney of years ago, were working on not not litigation but allowed to conquer contractual situation and he's like you not because I said so when I don't got really, can feel that that momentum with us now you work for me. I don't get very far your but try again. Oh my god, applause, I said so. What are you hurt? My daddy does it know you? He didn't know not to say that lessons heart, you knows now area- is inserted, Tonia Irene, what's up after Mr Ramp, you thank you very much for taking my call my pleasure. How can we help I've been list?

we too you for about five years now, and I followed all your step. Oh, I have totally eliminated all my credit card. There, I've illuminated all my long that I'd have to be a cold. I have absolutely no car payment, a hundred and five thousand dollars left on my home My question is: I want to go back to school to pursue my phd arm, and I was wondering if that a wise thing for me to do the reason why I want to do that is because I've become absolutely passionate about my field of mental health and oh, I want to teach on a university level. Very girl, that's all some first. Our congratulations way to pay off. Although death, it's amazing What are you kidding? I followed each and every step of the historian. It completely transformed my life over the past five year, nor moving. That's awesome, show your pranks for the Phd.

but I'm going to do it. I still have forty thousand dollars left. Oh bring grant money, but I can put towards my education I'm going to take the rest of it out of my arm out of my baby to pay off the West Bow. Much but I haven't left recovery are not going back into their ever good. dipping into the emergency fund do this now. Will we not running left a lot like? Actually Mercosur understand what went on in a by making sure understand. So Europe I for Phd with a grant and the excess savings as what you wanna do? Why would you do it because I can't find it anywhere in your book. Why don't you picture box,

I don't know a lot about Phds. Only one I've gotten the U N B so like I'm gonna because now than bad faith- and I just need education- is not really more. The steps other then pay cash for it. For your kids, nation and baby step five and in any, purchases, you wanna, do were paying cash for it, and this is not a luxury of career advancement, you're gonna, move into a whole new phase of your life and youth positions yourself to do it. This is fabulous, you wanna do it. You have the money for it and it's moving you in the direction of where you want to go to check all the boxes. For me, Irene you gotta talk down. Thank you very much appreciated browser you're asking permission, but I think you are right it s right. You you're a rock star, absolutely amazing! Yeah! That's

and that is one you know if you're gonna teach at the university level than you know. That is permission apply that you don't have a stable state. You gotta have that debate to teach at that level, and so so wonderful. Feel too. I mean what John Bologna around here and he's got to pay at fairly normal, most ex about stage some days not somewhat Chrysostom. Almost that we keep him really much inland ranging Kelly do spot gas, but it's a whole Sandra. This is the Rams Asia

in the lobby, Ramsay solutions on that freeze, Michael Emmanuel, our weathers. By guys. How are you great also? our view so here to do it for you Graham, where do you live Farewell Minnesota so the twin cities bone our ok, very cool girl good for you guys will welcome how much did you pay off three hundred thirteen thousand two hundred eighty five dollars and six them? Well, how long did it take but forty month? Well, when your range of income during the time we started, adds ninety thousand all the way up to two hundred and thirty good, for you do for a living I went up to

I trust and I do agree. Research very good show what kind that was. Three hundred and thirty came down when we adopt three hundred dollars in about thirty thousand between two vehicles and the rest were Sally me luck asylum may shot him you. Did a number on yeah yeah, a big one while show tells a story what happened at last a few months after our daughter was our first I was born. We were sitting there and we were talking about in a meant and paying off these loans early and saving for college furred, our daughter and

I said to Michael this is over well mean we can't do it all and we were gone ten different directions everywhere. There was an appointment, and then I remember my best friend and college. Her dad had mentioned the book the total money make over my car. I called her and said in a what's this book we read it. I was on board right away. I thought the rule A great I thought we were all. We could use some of these principles and it might really help us and then we had our first budget meeting and there are some things going. with the job and we rode everything down. We realized theirs.

lotta debt that that was the first time we put all the death on paper and it was terrifying, terrifying, terrifying. Basically, we realized. We were coming up. Eight hundred bucks short every month, just on tat that wasn't even woe that wasn't even crochet growth is what you do. How'd you get that fixed. We move founded on your house. Well

We moved out. We found a new job opportunity basically, and he was able to get a job where she was making the same. Were we both were and we just we went and then like it. I was able to find a job and then from there and he was able to pick up more jobs, extra jobs, game. I kick your ass. What get this income you tripled? Almost your income, yeah yeah, we're at one point. I think we were. I dont think I had a day ass in a cup among them every day every day every day, but yet that's that's. When the snow morally really rocked the problem, as you work all the time, the Good NEWS is Michael, our money in turn right, but you can clean up a mass, pretty quick if you get bigger shovels and then you through it forever. It sure to part time thing is amazing, temporary process to do that to work like that, but you are working like maniacs, you haven't, you can only tweak the budget so much in

I'll wait, we we were able to get everything out of the budget. We could at that point you got up the income, they shall the cars or caper we kept them. Ok work your way through it very cool. So this really came down to move to a different city in Ankara, changing your income potential and stepping into that potential. Ok, two and a half years three and a half real, oh, no, where we will learn who's got the whole dividing by twelve things. Oh my gosh incredible some! I'm quite I'm curious because I know a lot of people are scared of that moment. You just described when you wrote it all down. They do want to face it because it is scared.

Like, I think you said it was terrifying? Well when he first faced it we're blissfully unaware. We have no idea right how many partly on a girl for how many of you are listening right now that are blissfully unaware and they're scared to face it. What would you say to them on this side now having faced it Ben terrified busted your behind to get out of it, and now your debt free speak to that person that doesn't want to write it down. wanna face it. You can do it, you can do what you can do it. We we had a culture, from zero up to our three hundred thousand dollar debt load and it seems overwhelming, but you can do it, you can we when we found this plan where this is a great thing. Everyone needs to do is wise. No more doing this, and then we try to explain to me. people and their just like, oh

We know that we can't do that or we all worked for you. You know you guys make a lot of money, and I mean that's why you want to come here. You can do it, we can do it, you can, you can go to work, go to work, a great place to go in your brother, TAT man that we're back close went in my head, almost everybody, because Saturday Sunday, like your letter, maniacs impression very impressive. So how old are you I'm thirty? Four thirty two you played off a three hundred and thirteen thousand dollars for a month and you know how you feel liberating just were free were free. Legally, it's different going to work that first day after I paid off. in all. I am going to work because I want to its totally changed. Who am working this autumn me till you get your hours back to normal grandma angel

Yes, not not a Saturday are Sunday ever again. Never again we work what no one else later. You can work. What no one else live like no one else later you can losing the of Lord. No one else, a train, you guys are incredible, show it was worth it absolutely one hundred percent what're, you top people the key to getting out areas. I would say the biggest thing going on board with each other in writing. Everything down that was huge for us. The budget I mean we every month,

We were going through that and the biggest thing for us, I would say, as you have to stay motivated three and a half years, is a long time is a very long time and we we had, like, I said our big gold chart and every ten percent, my god I we will go out on a date night and then, every time, every month we paid off things. We would have a dream medium and we say why are we doing less? You know what our future goals and basically that was our motivation to fill in the church, ass, an old two percent. Here we go, you can only the progress and that was

Probably I mean one of the hardest. Things is because when you have that much debt in a one percent is three grand and yet those those, I would say, are the biggest things ass powerful. I love that you guys did that. I love you celebrated those markers because yells every most people getting into debt as a marathon yells really was a marathon. I mean three and a half years a long time. That's a lot of money, but to see that progress and celebrate that progress. It probably motivated you. Ok, let's get the next thirty thousand, let's get the next to a ten percent. Whatever that wise and and you stuck with it because it out well done. There was talk too, because we weird consolidated all want. So it was, it was one payment and was then we weren't knock and little ones off ass. We went so so that motivation was, it was key.

very girl. You guys well down world on wild on very proud of you very proud of. You would get a copy of Rachel cruisers latest New York Times best seller. No yourself! No! Your money as a gift appreciate you coming all the way down from Minnesota to to do your debt free scream and share your story inspiring what you ve done. Your rock stars very, very well: your fry, you did, I feel free. Yet I call and Angela from Minnesota three hundred thirteen thousand dollar of paid off and forty munch, making ninety bid to thirty counting down. Let's hear it, that worry scream. Three. Do well, very well that this

Does the Rams Asia,

sure I Ramsay personality is my call. Those today Open follows triple eight eight to five five two to five Jared is whether in Sacramento I generally welcome the Ramsay ship. I guess I could he picture taken Michael sure what's up So basically, I wonder if I get a little bit more go I completed step one or I had my six be fun. I've been less than fifteen percent and I have no debt, but I also don't have a house and I've already completed the college that I'm looking to complete I'm kind of looking

the next step here that makes any sense. Could I don't necessarily think I'm the deepening house anytime soon our power cap cash for that purpose beyond the fifteen? fifteen percent of your income into retirement and then we're heading onto babyship, six, which pay off your house in your case you're, not ready by yet shears piling up catch older you on twenty one girl, Kate, GM varieties of our great job yeah, that's amazing. What should agree on. Thank you fire than any in communications and not necessarily looking right. That's quite good, but you got finished up about my view

So what are you doing? And what do you make? So I need fifty thousand after tax right now and I live off about twelve hundred, so Leslie, I'm cutting, got Tommy, Andrea, India, saving very mindful exceeding the fifteen percent. So right now I have ten thousand for an emergency fund, twenty thousand liquid, Five thousand to slow down the money doesn't really now weather phenomena. What are we doing is putting a fifteen percent into retirement plans for a one can work. Is that what you're using ideal moment Can you are using a Roth IRA. I don't got on my own. I believe you ok, so you maxim that out and then beyond that, what you're saving it for a future House purchase if you think it's gonna be five years three to five years than you know, you can't you could use an index fondest initially be five hundred. No commission no load

just to throw some money and it'll growing, whatever the market does censure planes from stocks and stuff? That might be a better Routh and plain those stocks and might be a better rather than just a simple savings account, but if you're gonna buy fairly soon, three years are less than I really wouldn't do that I just pilot into a savings account, but it sounds like you're just kind of you know you just got foolish frugally gear and to an awesome, especially for that young. They everything terrible about a house purchase that is so great. If you start early, then it's less stress one. You could put more down to you're just a better financial position. Whenever you do decide to my house, you got more options. You got more that you're putting into it so starting now. It's not a bad thing. I mean, if you do thirty thousand a year for three years of Urundi bumping up two hundred thousand bucks in you know if you should do it for six years

the product they cash for Cynthia YO and just depends on what you wanna do here. It's not a bad play at all great job. Every job lorry isn't Charlotte North Carolina high lorry. How are you going good? Thank you Dave good. How can I help? How can thirty six another three, no village, completely alone. The past nine months of paragraph seventeen thousand lover in their using taxes than yours. You now oh my relocated here from Alabama just to get out of the situation, but I was and on a kind of stock, now fell on coming daddy's somewhere to go. What do you mean? You still have a house. I had a mortgage- how in Alabama how I have had it. Since I was nineteen approached it when I was twenty three has ably leaky roof,

And over the last seven years old is due to installation air. Had three contractors cannot say the same day. I'm kind of like he now here our budget page. I just like I did there what my house or files for about thirty then I'm gonna say about eighty is actually about to be a their prey. Here's the debate. I'm trying to get it resign it together how the lake seeks to get the work is done now to show it s. My question why I don't want to settle I knew you'd inside my child. Does it want to sell itself? my safety learn something happens here. I mean I am here Ray, not a safety net, it's gotta be willing roof and its in Alabama, I don't plan on staying in North Carolina braver. Get them is keeping well you when you go by arguing body on life. It's not it's not that's an illusion honey! That's, not a safety net! It's a prob at a headache

and even if you go back out, who knows what you're gonna do? What? What are you? Are you, oh and forty, nine when we tabled a safety net, is thirty thousand our colleague from the bank and no hassles in three years. Five years time, twelve years you wanna go back to how about we gonna tell them and do something: you're, not gonna, Wanna go back to TAT House anyway. Necessarily you can have a different plan at that time. I think you're holding onto something hold knots there's your head that you're home I'll show you next. That is this really the first success you had after a bunch of failures buying. This house was like a triumph. I was ever, but it was you. your first big went right. Yeah and Learning Lucia feels like you're like you're, not gonna, be one anymore, because it was your first big win. But my point is it was your first, not your last.

In that way you know whether you own home somewhere in the past, It is an indicator of winning, but now it's not now it's a problem is causing you headaches. You know and you do whatever you want to get out, but you call me, and What are you know? You're gonna get my opinion when you got here, that's why we call it the Rams Asia. So if your Malo, sister Anne you are, I would tell you it's a stupid house, get rid of it and you don't need it it. It represents something emotionally that it be good for you to figure. How that is good, you can hear negotiate edited the even just the language of like I'm kind of stock or here's the problems I get rid of this, but I think that if you ask yourself the most basic question, the benefit and cost. What are you getting for the house right now? Nothing but headaches here is not doing anything for you other than this attachment you have to the past, but you could have thirty thousand dollars in your bank account which would give you a actual cushion with options and then in the future. You decide

You want to do then, wherever you wanna be Alabama or anywhere, and you do that at that time. Nor the irony is your safety net leaks you're so already for the twinkling, you're you're get excited about balance, their safety lakes. That's a problem right there. So, and you know you left, Alabama you'd. You told us, but you didn't tell us every scrap goin on that yeah yeah I had to get away from there. The array of she sells a longer. Imagine that, but I think she will feel free after the fact she has the cash to the bank and then we're going to close the door on that headache and that season of life very positive. Why has the reason the windshield is bigger than the rearview mirror? You need look forward more than you look backward and it's. This is gonna, be good for you.

You have placed emotional value of some kind on this house that it doesn't deserve that. It's not worthy of you. Your secret solves lorry. Has not this house that you put the money in your pocket and sell the stupid Alabama house it's stupid out. a roof lakes get rid of it. That's what I would do you knew what ever you want. There will still be french, but that's what I would tell you to do so, and I just did It is so very new,

raised by single mom Shalmaneser warrior princesses. I am yet the main they fight scratch law and finally get that accomplishment. I got tat by right. That's what I've kind of felt like that. That's right and I think it represents two. This source of stability of like I own, is- and I don't own something here, so that even the word safety nets. I get feels like that doesn't say because I own it, but it's a source of problems need at me like this, is a new season and has time to re, evaluate, what's right for us right now. That may have been right then, but what what it is now is headache when things I talk about him when things change, Things need to change, so things change who it's time to take us to think that our pillar teach that and put it in a frame in the kitchen. When things changed things me it is about. We get the big but allow it.

Of course, your eye Marco's this day here on the rams you showed during childhood, are producer: go down over social polluter and bone sprinter. I am directly road, then we will be by guises Kelly, assessing and producer from Ramsay Shell did you know that over sixteen million people listen to the rooms and show every week, and a lot of those people is one of our six hundred plus radio stations across the country to find a station near Dave, Ramsay, Dakar, Slash shell.

You're looking for fun and practical ways to save money in your everyday life. You need to check out the Rachel crucial upon gashed from money expert. My daughter thread your crew guises rates of crews and I'm so excited to tell you about. My party has a lot of you: falling paychecks paycheck their end that you don't even know where to begin that they have this need this want to get in control of their money, and if that's you, you have come to the right spot. So each opposition gets a time of inspiration and practical advice not subscribe to the rates of crucial podcast makes region today, you're more from the Ramsay network, including the Rachel Crucial wherever you listen, the pod gush hey, it's James pray. serve the Rams issue this epoch. It is over but check the episode notes for links to products and services you heard about during this episode, thanks for listening