From the head waters of Ramsay solution? Broadcasting's would honour car rental studios its Abraham Felicia. What matters DOM televisions and all who have taken the place of the Bmw status symbol of television, radio grooves Ramsay personality is my co host today, you're on the air, open phones, a triple eight, eight to five five, two to five eight or coming up on the Christmas week, and as we come up on that, one of our favorite shows that we do, and one of your favorite shows that we do is the giving Shep an hour

week of Christmas, we dedicate a entire show to stories. from you about some giving you something. Are you giving someone something, and especially the whole idea is to just promote generosity to people to be jazz about generosity? So if you ve got a great give or receiving story email. Kelly, Dave own air at Ramsay solutions, dot, com, Dave on air. Ramsay solutions, Dotcom Kelly, will get that look at the store get back in touch with you and make you part of our annual being shall we want you to do that so Wretch having lunch today, which converting the related randomly walk through the cafe and sit down, and it was too These have been with us for

one on less than a year and one unless the six months and then a answer they are like and then Chris Russell I could see. I was sitting here forget him out. I got indigestion, I thought and Chris Russia was sent to talk and I'm sure Christiana was broken by the fifteen year. Soviets Chris losses House earlier in the year to the tornado. If it's completely destroyed and No huntsmen rebelled and, of course, we ve helped them whether working with him all the time- and we are talking about in about generosity, because it's a big deal around here right now, the Rams The party every year is outrageous. It is over the top epic in the budget on it is to buy the. Why, last year, this time we gave each of our nine hundred and seventeen members a thousand dollars, put him on a bus and took him the shopping mall too. really high and more. When I M in a nice shopping experience, and we had a blast and we had local, Babbage children, charm, which works for children, the dial homes and we had

Families in those support families- and we had some other people some pastors that we shall act in the area. We ever got them all a thousand dollars. They were all part of our cafe. Team. That out, first team, but they worked are part of our team. We certainly like they make our food every day. For a moment. And show that all them, and so all of us just had a huge part, would give a million dollars. In one day it was a very, very cool. There was a lot of fun, not this year. Fishery can have epic Christmas parties. Does your were heaven like barbecue, blue Jeans and Butch? Does we figured we need where boats, if you're gonna kick twenty twenty out the outlets and ass? My same needs to go, I to go away, gave each of our team members a Christmas ornament that is a little dumpster on fire with twenty twenty on the side of it. I was one of their gifts if each of our team members tuna fifty dollars and tell them to give it away.

Find somebody that has had a horrible year, because We all had a horrible year, but most people much more horrible than other people. Yet for some people, much more horrible so I was asking each Young Ladys and Chris, would you do you turn fitted out man, I'm sitting at lunch crying like one, found a lady, the single mom who it in our last night that you'd gotten kicked out of their apartment, and went and founder and she's Remo another place and just had talked. The woman come back. She had her the umbrella in woman, got home of non lope and just called her scream and crime. Should you have no idea? This is like interpret the dollar's blood somebody mind if you're really really in a pen, for general, and you just stories like that and the man and an there's nine hundred understood that none of the others doing it.

and we just to the press release. Yesterday we ve we ve kept at a big secret that we went and bought Ten million dollars worth of bad medical dat, bad car, repo, dead and bad credit card dead, would you can buy the discounted in paying Werner ten million dollars for it, but we took what we would normally have spent on this Christmas extravaganza and we bought ten million dollars or the bat eight thousand accounts and our team has spent the last month calling the eight thousand accounts and telling people that their debt is forgiven. Goes Jesus, forgave, us and forgave ten million dollars or that medical that an car report that an- I mean a lot less sure we give women dollars this year, we forgave ten maiden lottery and where the death now don't costs of me- and I was just being just to be fair, but oh, my gosh. How funny who has just been now. I had

TIM names to call the right name. You got ten, not got none of our got voice. My and numbers. If you get hurt anybody got the Junta to you, gonna hold up, yes, yes, and, one of the guys is aim. those less they mark them remark and he answered gives everyone you get of. Do this Verizon number husband, that's like what I kept getting your cousin burden collection Sunday and I don't want to answer their phone because I think are collectors calling right or it's been about numbers are like. But he said hello inasmuch Mark who is less than was like. Marxism You're crazy with the resolution that I gotta gave me the whole thing, and I said, and there was a set as six thousand an hundred dollar medical Datsun at a Texas and Hilo. Just don't believe me Khan, oh yeah, he was I I don't understand and I was like no markets. It's it's over, like repeated, repaid your medical debt

is excuse me who amuses like five items. I gotta Daydreams outcome, backslash, forgiven and you'll see that we're doing it as a company, and you can read all about it. You'll get a certified in a letter in the mail three to four weeks to prove to me. It was he think it should I don't know. I don't know. If you tell me you didn't know how to react. Will now believes like why go on go on. I hope, too, that what was Mark nobles but while I said good about it, it's a voice may have. What have we got through to the voice the amount of several voice when my other two numbers had something for your special. You got in boiling members were like the duty to do this, in line, has been disconnected. So there was no like no communication but militias what collectors go through drawn a farm peopled? act on em right? This is changed up and then again. I think We got boyish, my or because about I. If I see a number on learning collections of actually a number at all recognise a total Anna. That's why I wish you good like they like. This is not a collector, please answer. As we have been waiting

It was a credit who came up with the idea. Gliding even hear about it until our big staff me when we announced last month but brilliant idea, brilliant idea, capacity, Like we talk about the time like we did, the company words is a generous company party members and Christmas is a big deal. Just like you said. Look we gave a thousand dollars to every member of name, didn't get much looser, no in soap it, but but under the opportunity to help other people are living in an age when there are more high than if you too, given them. That's people laugh it like. If you are able to help people, it is doing, exciting fun, They mean it's it's amazing Do you know a bit nervous collar bone mark answered not me where we can forget about getting rid of several times, but I mean you're doing this. You call him up. body that you never talk to you before, actually had all for just a second. I had a little but emerged. Weird

the noble answered- shows no problem. I don't talk to any humans, but there was no great stories, alter the company people crying in saying. Thank you. Jesus and scream run around the room and all kinds of stuff seven. This is that I roundly show at takeovers we believe a great pair of cowboy boots should be comfortable right out of the box, and we believe that your harder and dollar should go far. So we only sell direct EU no retail markets. amazingly handsome western boots for men and women, find your parents to cope. Dot, com, Slash, Ramsay and Berlin in time, use promo code Ramsay to receive a free, camphire mark with any purchase over a hundred dollars. That's at twenty five dollar value offer vow an on line only while supplies last and it and soon

read your garage, ramshorn personality is my co host today, Open found a triple eight eight to five five, two to five: that's AAA eight to five. Five, two to five Kelly, is whether scaly is in Colorado Springs High Cayley. How are you I gave a great hurry you better than I deserve how can reach on. I thank you for teaching while still incurring, because my husband and I are just hold our home and were about to finish baby step to waive the profits from that and you will have Seven thousand dollars left over after the apparent at all right, I'm here one in Cuba and instead of going into beefed up three I'm his mom had helped us quite a bit.

he may be reinvested in Armenia and not making a lot of money yet, but we to give her five thousand dollars, because she's out of work right now is covered. and am struggling a little bit. My question is when we call to let her know, you're gonna spend that better. She had always give enough money, as a guest. In said, she didn't want every VP back and only told him. You're gonna spend five thousand dollars. Ah, she time have acted like oh that fall so now who were kind of worried about straining that relationship butcher, wondering why should then her more and not here by that right now and kind of war. the rest of this year or if we shared, over debts ill and lady, give her more monies layer. tell it to you

Is this an assumption that that's how she felt from her tone? or did she say with her work did. You guys asked questions and have a more in depth conversations that you know exactly what she's thinking so we try to she kind of You know I'm so happy for you guys. I want you to be out by you she has allotted that herself and she's just she's having a really time, I also know, though she even without a word. She in single she lives for free with her sister who the retired nurse oh she's got a roof over her head. She had food to eat. She guessed makes a lot of port with the money that she does make out. dont want you wanna, be generous. You dont want to keep you don't want to

people that it has to be dumped agree with the choices that make, but I doubt whether we don't wanna be all extremely relationship. You dont want to you She said. I find any five thousand piastres. I worry about me later and then why does she said? Never you're are worried that gonna be a never ending thing. You don't be her, her bad decision cash yeah. Why think that there's levels of commute nation that have to be had an there's. Can we boundaries that you guys are gonna, sat and so to be as far as Dave Ramsay sitting. Next, we would always say life to be unclear as to be unkind and so from the store you ve told me she is, can you there's money in the past to help you but she's never want repaid? Now you got.

in a better situation financially or get near that paid off, you have some extra cash and you think, ok, we're we're gonna, bless her and give her gift to help her during this hard time, partly because, yes, she helped us in the past. This is our gift to her no strings attached. So what you have to realise if there is a gift that you guys fill you want to give her. There has to be no strings attached. You're gonna know that she's, probably gonna, Miss manage this money and if you can furthermore, that the more going to miss, manage that money, and so there's a there's, an amount that you guys want again and say hey. You know again because of the situation during which using to give you this but mom, here's the plan. We as a couple are getting on a debt were going through the baby steps and once we get out of it, if you would like to come, long this journey with us and you want to go through Ramsay Plus, and you want to take some online classes and budget. And you start doing this. We'd love to walk besides you. But we want this money to be up.

thing to you and not a curse. Yeah shall here's the deal. If you give her five thousand hours, are you you're a fifteen thousand dollars? It doesn't change a thing. Does it young, so you can't give her enough money. Could you have enough money for her problems to go away so give her five thousand dollars and teller? Let your husband harmlessness, his mom, you can't handle it. You are the daughter in law. Means when you talk, it doesn't go well, so you need to be real quiet. He needs to handle this with his mom, very, very slow cadence of speech, deep octave, which indicate that he's vague feeling,

calm and very strong mom? I love you and we are so excited that we're getting out of that we're going to give you this five thousand dollars. When you gave us the other money. You said it was a gift with no strings and we're giving you this money as a gift with no strings. We're not going to be able to do this very often or maybe never again, and we would like to help you in other ways and t let you go along with us on this journey that we're going on. You may or may not want to do that, but if you wanted to go through financial peace and Ramsey, plus mom will pay for it. For you as a part of an animal that that to the five thousand dollars, but mom, I'm not repaying everything. You gave me because, when you gave it to me, you told me it was a gift and let yourself be free of her little guilt trip that she laid cut

had the tie on that clean, otherwise, she's gonna keep coming back to the well and she's gonna feel entitled to come back to the well. Welcome you didn't cut, he didn't get the apron strings, so he she's to cheat the only reason. She's misbehaving here, discussion, scared and she broke. This woman had money. She actually is silly generous. Could she gave you money? but she didn't have back then right exactly there yet shout she's. A bad person that breaks her promises. She's, just a scared person- and I really am gonna- have let her fear that is leading heard a shame me. Over there. In her house, not in my house, that's the boundary that sound very mean a very tough, but there's not of money to stop this from happening, and there is no end to this thread. If you pull it on this, better. Am I right guy gaily? Yes, that's right

We are worried about you. He asked to handle this, not you! You don't even need to be on the phone because you're gonna end up being the wicked witch of the west in the story. If you are- and I don't want you to get that reputation in this situation- I want you to be free of it. I met a fact if she's Madison by a rather be mad at her son, then her daughter in law, because that's harder for her to do this is not a bad person. She scared and she's out of control, and if you can help or not be any, if you can help or getting control at Rachel said and not be scared, that's gonna be worth fifty thousand dollars to her. not five thousand, but you you really can't you don't have any money. You don't have enough money to change this woman's life.

Later on. If you got a million dollars and you want to give her a hundred thousand and straight nor life up, you can change your life. Don't I had. She still go back a screw it up, but you can change your life, but right now you don't have the differ. and what you can do that strange you versus the five thousand is not a difference maker in the story. It didn't change the story, so I'd stick the five and lay down a boundary, clipped the apron strings and offered a cheerleading Helpin walk through Ramsay Plush financial biodiversity. Together with her that's what I would do if I were in your shoes, these are some of the most difficult conversations the people ever have around money. I think this kind of conversations even harder than a marital conversation because of the relationship between apparent in a child in its they're taking care of it. Iran's role reversal, feeling well and adjust the dynamic of it. I diaper. Do you owe me about you school close. I work. Three extra jobs

when you were twelve years old and you owe me You, those cutting your job, no matter how this works there is certainly a child is not a slave to you forever placed on your free. Miss behaviour now, but it maybe the next break will talk about the right, but but how to honour your parents dealt well. Let us justly sumptuous homage crippled great now with a leaf totalling tough,

open phone, so sour on the day, Ramsay show Rachel Cruze Ramsey Personality number one best selling other mercosur. Today this year has been art for everyone I'm betting, you know someone who's had a really hard Slam on medical bills are the pay check their relied on suddenly wasn't there was. I shouldn't have to struggle like that ever again, and they don't have to this Christmas. You can give them some peace of mind back and help them build a life. That is a little more bullet proof enough. Them feel some hope, with Ramsay, plus its our step by step money plan that helps people get out of debt. Fast, so they can finally say money because once or not sending all their money to the bank, they breathe easier when the next emergency gets. It includes financial, patient, firstly every dollar and include,

the baby step tracker, its everything you need to get everything turned round and you can give it as a gift. Ramsay plus got it Ramsay dot com, sly, stalwart, Abrahams, you got conflict store and we'll work it out. I'd gone into that break. We're talking about moms or bad asking for money are asking for help ya. Don't you think it's an interesting discussion has as a level of unhealthiness that apparent can have to say: oh yeah, I'm entitled to some of your money as a child and expect their adult chilled and to help them, but there also is the beauty and in helping your parents. If you ve worked this plan and you're out of tat, you have an emergency fund in your building wealth, and so we are somewhat like. What's the balance of not enabling bad behaviour, if they choose to to do poor things with money but yet being able to bless and help your parents, were you gonna

conversation, those of us that are Christians. We should clearly in the Bible, honour, honourable fire, mother, yet sour them as equal that our listening listeners out there. You know I've had a direct them and doing now. Well, if that's something that they choose to do so it's a little bit like honouring the president guy. If you do that, you may very well disagree with the personage in office. There politics their procedures there, the ology their beliefs, their values whatever, but you still honour the Office of President and you pray for the president. Even if you disagree with them dramatically, we ve lost a lot of our country and relaunch it. I think so you can.

the office of fatherhood are motherhood without honouring misbehavior show an extreme example. Your ear, your dad is doing cocaine and it keeps asking for money well, unless you're completely screwed Had you are, you know, you're released from the obligation to give a cocaine, attic money. I mean right, Russia now hurry, do how do you honor Father? That's a cocaine out. I mean how do you do that, while you have to honour the fact that he's dad the Father, but you don't honour the cocaine part and you dont, participate. in that part by funding it right right. You know, and so a mine much more minor example. Some others just like that last Friday is misbehaving with money. She makes bad money decisions or daughter in law, said

and she has throughout her whole life and she lives in her sisters house because should aim at implicitly of cash United IKEA, remind them, maintain the dignity of that and it's all because a choices but the story, we heard right right, so we can honour mom. We cannot. Generosity towards this couple early in their marriage when each first in the military and that as she said, but we the honour our situation. We want to honour her behaviour, arranged on her and love her right where she is, and so you can It's a little bit of love, the sinner hate, the same kind of thing, and so that allows you to be kind But it also allows you to separate the behaviour and not become enabler, and giving someone money that is not helping if it's not helping the right you're in enabler, that's what it comes down to and your falling for guilt trips and you

toxic environment, and will you know my I'm afraid it will have a relationship with them if you have to pay for a relationship that cop prostitution, that's not scenario relationship, it's not me. If you have to have paid for friends, you have real friends, and so, if you don't want your mom talk to, you should give her money this relation he's got a long time ago, it's time to call it an so You are not morally spiritually obligated to give any one Mummy anyone except minor children that are yours, you're Morley, obligates, bridge lab, had to take care of children. Me your own special but you're not obligated to take care of your sibling, you're, not obligated to take care of your uncle your grandmother, your mother Your grown child, who continually misbehaves starting women living in your basement

morally or spiritually obligated? Now we love them even the stupid once and you know we do and weak, and honour the fact that this is my brother, my sister, this is my mother. This is whatever right. You can honour that, but you don't have on other stupidity and you dont have to fund it to prove that you love them or to give them Honor giving honour is separate from giving them money there. Two different things, and it's very difficult to say. Right, especially when someone is a travel agent, forget trips and they just call you up, and I did this for you and now you lead me how angry I'll tear of all out in our If I get my daughter money that that my grandma this will have a mighty food aid, because that's what she tells me you're, like the mother called Tell her mother and says mom It's a money if you dont feed, if you don't get me from my your granby early well, that's just yeah, I just low blow, rather so because they feel entitled to talk to people in the inheritance issue

They feel entitled to their parents money upon their death snatchers, you I'm an entitlement to it. You have a right to leaving an inheritance, is a choice of the person who owns the money, not the person or saving it. And so you know that concept that somehow that that you hit the dna lottery bobbing in someone's family is, it is false, and so but then the problem is raging navigated. It's always a very rough conversation. because you can never give enough, and when you finally realise that, then, I also find out that that this whole thing was rigged out anyway, and it wasn't gonna work and in the relationship no sideways, and so

you can get somebody might for ten years and stop a normal speak to you in out, because they become entitled the short term bandaid yeah over nuclear issues, eventually, eventually, this runs out eventually somebody rooms on a money somewhere or patients or something, and so that that's what the Doctor Henry Clubs book the bat boundaries is. Is the Bible for this, for this discussion be unable to set boundaries in place now? The truth is that our family, my family insurance family, have not. being an issue. They ve been happy for us that we become successful financially and they don't know line up the door. What moneyed maneuvered none of Erasmus programme ever. That's pretty weird honestly, but it's a blessing, the actual we are not discussing like I have a friend.

early me we're not doing this? Is this and in our kids or self sufficient? You guys don't come to us from money, We certainly don't come to you for money in that kind of stuff. So it's, but if somebody in, if one of your cousins. needed, help on something their kid was at a matter. Thing or whatever we would be there and heartbeat, but there would not, but that have people that would lay that out as an expectation that we would be there. It would be a It's not generosity if you're shamed into it shall I tell you what you're talking about a spirit of it? Yeah, oh yeah, absolutely because I think worthies I've I have friends and we ve done about ok. So how do we honour our appearance? If kids have become more successful than their parents, financially that look like, and so having that discussion is fast. It is very interesting and most of the parents don't care a situation like that that there is a good friend about of ours and he pays

house off the other day, just to watch it gray, wonder she's dead graph. It was fabulous, just an actor general yeah, dad it in no way inferred that he would do that. This is the diver amnesia. our scripture, the ecclesiastics shown a better is the end of a thing vintage beginning and the patient Spirit is better than the proud in spirit here,

Elliot said to make an end, is to make a beginning right. Crews rounds your personality as my co host today here on the air. This is the Dave. Ramsay show our question that comes from blinds dot com? They have a one hundred percent satisfaction guarantee mainly, If you miss measure, you pick the wrong color they'll remake you're blind for free. They give you a free samples, free shipping, loop. almost all the time to save even more money used the promo code Ramsay. Today's clay, then comes from Todd in Indiana at my wife, in our baby steps for five and six, we continue to your monthly budget meeting and each track are spending on a daily

A sense of being the holiday season is upon us. I want to purchase a Christmas gift for her. That would be a complete surprise. This would be a purchase within our budget means and would easily catch her attention. If she saw the trackless transactions Chopin, every dollar and to withdraw cash from the bank would certainly be eyebrow raising as well. Well Todd. This is couple things you can do. A guy number one is Christmas. Suddenly me a huge shock that you guys are going to be getting gifts, so you could

say: hey, let's each get a gift and go by a visa gift card, so she doesn't know where it was spent and your by the gift, because it's Christmas and that's what's happening right, anniversaries, birthdays, Christmas kind of assume the biggest, but if you wanted to be extra stealth, this is what I did epicures if you get mad at me, for this advice did this for once some about in concert tickets for birthday once and I actually had my Muharram pay for them and then on the birthday after we went and whence the concern a paper back. So he went through the trend.

and so this was all hidden from me. Of course it is technically borrowing money, but I have money. I just didn't want it to go through the bank, because I've ratio tide US questions, dilemma. So genuinely you hear the gift giving dilemma. I would be. Ok, if you had money, ok- and you had family member for that has only recently when they hit it from its ensures injury was our interests that share in charge of this. There is sometimes share. Would probably what those now she didn't, but you can you can you? Can around insurance, great cholera, debit card of credit cards, as that card millennium, I don't have a credit card. You will say that we get my credit card out. My purse, like mom, it's a death, say you're in Ramsay

man it's the best since the best anyway. That's that's! Why that's what I did Boca so just an option. I think your first option, which, if you dont, have Mama secrets The bell yeah yeah guess are a toy is whether Search Lexington Kentucky dry. What's up Beg Europe, I can recall how can I watch listen, my wife and I just sold. our house on Monday, while you're one hundred one hundred percent complete, There are three. and we have ten percent on our paychecks. And we are wondering how to tackle this money that we have come into. Ok, ah, The first baseline I tell people, is it doesn't matter, I believe in tithing, but I'm not

legally about it, because your heavenly father is crazy about you. He teaches us the time because he wants us to be generous and be givers, because he's giver. He gave his only son, so once we get that Thou then, and the least ourselves from the detail. The new wants things like gods, not gonna like me. If I'm miss this up or something he loves you anyway. Ok, so you can't mess up his love based on screwing up the type so that we really gotta put that out there, for some people get all torched about this stuff. So the way I have done it, and now I ll get hate mail because our people, their torched about it but is you're gonna buy another house with it. You didn't quote: take the prophet Euro The end of the house, if you're going to cost limit and spend it, then you might want to tie down it because of the tidings scripture says tied on your net increase, which will be the profit

of selling an item, but with a home it's not unusual for you. like a hundred percent that money and put it into the next home, and so that, since you haven't profited personally, you have bombing it's a detail. It's it's a new, way of looking at is kind of like a capital game you used to in the old days. You can buy it, House and roll out capital gain in the other house. You don't have to do that now. You can take a cap again above two million dollars, married filing jointly with zero taxes and even if you do by another house, you can avoid it. So the dun help to terrain in the next year without power, I got that idea from what rolling it again. But if you're gonna act, they consume the money. You may want to pray about it, my it's probably in my case, I would tie on it. Then, if I was born,

The house, in my case I wouldn't dare try, I think to you guys are out of date. You said so you're in a place where you can be generous, so ten percent of that earning I'm sure, as it is a good bits, but you could look at it it just like out. We get to give this will have any dead. We don't a bill and were able to be generous zone em again, if you bring technical, it's not on the procedure, the house, it's on the net profit. So if you paid rain or thousand fort you shoulda for three ten year procedure be three ten, but you're profit would be ten, and so that's what you would tie onager net increase. What did you profit if you're being very detailed and very careful and all that kind of stuff that that's the trick to look for, show, But again I think you just can't think, though, that why another example I'll tell you that, as I dont tied on profit from this business as Lowell still sitting in the business because it may be

reinvested in the business the next year. Even though I have to buy taxes this year and still sitting here, I'll, take it home out of here to do something with that's when I die, that's that's how I break it down, but technically I have increased and you go if you wanted to be realistic about it gets out of wrong, so it's almost impossible to get a hundred percent of those unless you just over, gave on everything which, by the way, is not even about idea right Finally, over giving totally really can't mess that up giving is not so hardly mess up Hannah. Colorado Springs Hyaena. How are you How are you for taking my call sure, what's up I have an eight year old, daughter, yeah and she has a say the cow of about six thousand dollars. Every year we put the child tax credit back in her accounts and before God is in the military and we don't,

after worry about education, since he has the post eleven, but Michael I don't want to do a five twenty nine years command any other interests program that way she can accumulate over time and her savings account. Ok, postmen eleven a bill is wonderful, but you didn't five point: nine. In addition to that, there are some things that will cover gonna come up short. If you count only on that and so would do some savings. You ought to do as much as someone who doesn't have that wonderful benefit and tell your husband, thanks for service and I'm glad my tax dollars are going to that kind of thing. That's wonderful! But then saw the summit a five point, not as far as this account. I wouldn't use it for five, twenty nine. I would use this account for her your card and we deal with our kids. Was their little miscellaneous. Child savings account They were always saving for the first car answer, If you got fifty dollars,

They money you on spending, but we want to save some of it, then with their someone there. In that way, you had some money for your car Riah six grand though at that young of an agency that significant pressure, so you could I mean yet. I would say for sure too, to be thinking about the car have enough in there for the car and if it just keeps growing and grown and grow and grow in, and you want to take sound and put it in a mutual fund. Now it's not about what that grow and then add to that too. If you think that this is enough for the car, but it's a bend into again colleges taken care of their but letting that mutual fun grow as an option. well then, what we d beyond that, but it depends on the situation mom and dad around, but what we did beyond that she's taken the tax credit that kind of stuff. So I can give you the same feeling like what you guys got of age. You start working. I found a tax return on your earnings every year and put that much and were rough Iranians YAP gay its other ways. You can do this in a good mood. You got a pretty good Roth irate going by the time you got out of college and you but any of the budget

had ever income. That's right back smiling to do that puts us our that IRAN's you show in the books likes Rachel, strange things going we'll be back with you before you know it in the meantime. Remember there's ultimately, only one way to financial beech nuts for Warp daily, with the prince of its Kelly associate producer fence reigned over the neighboring empty shell. This episode has ever, but if you heard about an abandoned product or service, it didn't have a chance to write it down. Don't worry. We lost everything you ve heard about during this episode in the Pakistan that section or had every day, brands and got com. They recommend everyone,

for fun and practical ways to save money in your everyday life. You need to check out the Rachel Crucial, applaud cash from Bunny Export, Madonna, Reggio crews, guises rates of crews, and I'm so excited to tell you about. My party has a lot of you following paychecks paycheck their end ass. They 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 starts. So each emphasising at a time of inspiration and practical advice, if not subscribe to the rates of crucial pod cast, make sure you hear more from the Ramsay network, including the Rachel Crucial wherever you listened upon. Gush, hey, it's just producer of the Dave. Ramsay show this.