Water is a brand new solutions, broadcasting from a dollar car rentals videos that is the has taken the place of the B M w as the status symbol of George, I'm Dave Ramsey your host thanks for joining us, open phones at triple eight million two hundred and fifty five thousand two hundred and twenty five that's eight hundred and eighty eight, two hundred and fifty five thousand two hundred and twenty five starting. Office hours Joe in New York. Hey Joe welcome to the Dave. Ramsey show how you doing babe

I deserve man. How can I help so I have a question today so me and my wife bought a business a few years ago around two hundred eighty thousand. We bought it for and we're ready to get out, four years later and we're going to sell it for around six hundred thousand order on five hundred and eighty god yeah, so Our question is only around fifty thousand dollars and- and we wanted and all would be wise for us to invest that for almost three hundred thousand dollars into mutual funds, what it there and bank, or should we do? Okay? All of that first one definitely pay off the debt. First, you should got sixty thousand in debt. Oh yes, around! Sixty years, the only thing on your mortgage. Well we're renting right now we don't have a house. Ok, all right, uhm, are you planning on buying a home? We, we're planning on buying a home, but when we spoke to someone who come for our friend Hard to find out bar situation, they said that it would be wise

earth, invest the money and pay off the debt with whatever we get in return from the mutual funds yeah. Well, that person is stupid. Did they find that they will get around like twenty. Whatever we invested, I want to personally yeah they recommended Charles Schwab, and they told us that the down. There really good returns on their fun so stock market, Eleven point: eight percent, since it began, which is half of twenty percent and Schwab.

No corner on the market. There are no you're not going to get twenty anymore than anybody else is so you invest in good mutual funds. You can expect ten to twelve percent if you do a really really good job of picking the funds over a long period of time, but you're not going to expect twenty percent. That's asinine. Ok, there's no data to back that up whatsoever. So whoever this guy is, you need to stay away from his financial advice. I would sit down not with Schwab, but with a good investment broker that actually builds a relationship with you over a long period of time. Click. Smart Vester at daveramsey dot com, I'm not in the business. I don't care what you do, but these are the people. We recommend it's the type people I personally do business with. If you're going to investing so I'd, write a check and be debt free, I would raise my right hand and promise to never borrow again. Otherwise this won't work, and then I would think about buying a house for cash with this remaining money sounds like you're, going to have four five hundred

hours after you pay off the debt you get in five, something out of the business, and so you may have some debt there that you're not mentioning to clean up. I don't know, but I'm going to start talking about paying cash for a house and now I'm not borrowing on my house to invest with Charles Schwab. So that's just that's just but dumb right, there, unbelievable All right Jessica is with us in Michigan, hi Jessica. How are you I'm? great. How are you Dave better than I deserve? What's up? Ok, don't yell at me, but I'm wondering if it's ever ok to focus on paying off our mortgage ahead of a wonderful federal loan student loan. No does denial. Is a river in Egypt? I know he's got The two months am on the ten year public service loan forgiveness.

You apparently have not been doing any reading about that? Have you I try, so I'm trying to be dumb about it. Yeah, that's working for other people, too yeah thirty, two thousand people have applied for it. Ninety four have been granted. Now it's relatively new, though right that it's not just now reaching the because it's just not wearing the ten thousand, it's just not reaching the ten year and thirty. Two thousand people have reached the ten year who had your plan. Ninety three of 'em got. It. It's the greatest american scam in history and everybody standing around watching it happen. Yeah yeah, it's unbelievable, not sure. How much is your student loan debt that you think you're finally going to wander out of? If you don't buy it its. My husbands and it's thirty, eight thousand four we all make uh roughly sixty four years ago and what how much have you paid off so far, it is

income based No, no! No! No! No! Your total debt! That did you tell me, you've been paying off debts. Yes, yes, we are much of you paid off in deaths. Um, including credit cards, probably about forty thousand mile, your student loans. So what is Trying to help you do that we They actually were blessed with a twenty three one thousand dollars inheritance so that took a really good size How long did it take uh with that then really hard at it for here a year So in one year you paid off twenty grand and you got twenty three grand to go with it right. Yes, and so could you average twenty eight year. That be two years you'll be done with a student loan. This is true, yes get it, but the house is only sixty four and it's a terrible, terrible mortgage. It's a terrible terrible what mortgage

mortgage like its Fha, it's got pmi, it's terriblr. What are you on the house? I mean what is the house worth? I'm sorry, the house is worth about seventy and we owe about sixty four ok. Now I pay off student loan in two years and then, if you want to keep at it, you pay off your house in three years. So five years from now Botham are gone. True, twenty a year divided into the numbers you gave me it did. I do something wrong. No! No that sounds about right, so get after it kiddo get after it. You cannot fix by avoiding it being in the mile in your work. You got to go in attack mode. It feels like it's huge, the other forty that you paid off felt like it was huge in this and as you started, it God sent you a twenty thousand dollars bonus check from an inheritance. And you already were knocking on it, knocking on it, knocking on it knocking on it, you prove

to yourself and to me you can reduce that at the rate of twenty thousand dollars a year. That means thirty. Eight thousand student loan gone in two years in a sixty four thousand dollar mortgage is gone in three more. Tara and you're, not that old, well done, call me back and we'll do a debt free, scream together, open phones that eight million eight hundred and eighty eight thousand two hundred and fifty five Twenty five Haley is on Facebook. Dave were on baby step, one got our thousand dollars, student loan payments equal approximately five hundred dollars a month? Should we lower those monthly payments to pay more towards our smallest debt or keep then the same and just pay the smaller that's lower, keep them the same pay the smaller that slower it really. Matter which of the two. You do mathematically you'll be debt free at exactly,

actually moment either way, because you're paying x number of dollars divided into why number of debt dollars and it's going to workout, either way, whether you split it up or whether it's paired around or what, but I would just keep doing what you're going you don't want to run backwards on these stupid student loan. It becomes fun, it becomes emotionally distressing. This is that a rancher show. If you're,

in a time share and feel stock time share. Exit team provides a way out, they've been doing this for over seven years, and I've helped over eighteen thousand people exit their time sure contracts. They know what it takes to take on the industry. Getting out of a time share can sometimes be a long process, but it's worth it time sure exit team is so confident in their process if they can't get you out in a timely manner. They'll give you your money back, call eight four, four, nine, nine, nine exit or time share exit team, dot, com and schedule. Today. He is with the sin: taxes, hi fi. How are you better than I deserve? What's up a

I had a question. So I'm currently one slash four year in dental school and I've also just been accepted to be a program and that will be starting in January and the deposits coming up, and I just wanted to ask you whether or not should go ahead and continue and stuff put the NBA now and pay that will or I also have the opportunity to delay it one year and start. It later. Ok, you're going to be a dentist. Yes, sir! Then you need an mba for what. Uh. So I'm planning on going to a different route other than just finish: a clinical dentistry. Ok, what are you doing? You're using your dds in what way That would be along with my dental at expertise, so

dentistry and mba I'm planning on going into like the corporate, consulting or academia. Academia. Ok, ok, so you would teach in the dental school. Yes, but I know that it is that is that is one of the one of the goals. Ok, I hesitate to ask because I talked to two DS is that have four hundred and fifty thousand dollars in debt? What do how much is your dental school debt so mine's pretty bad. That I'm at one hundred and eighty three is when I what expect to come up with ok, so I don't know the career track that you're talking about going on what the pay scale is on something like that. Do you.

Uh, so I don't expect to go into it right away, but I do expect to practice for about a year or two get the knowledge I get, practicing management and then add, eventually go into a consulting and back into academia. So I don't to go into the position right away? Maybe about five years within five years, but yeah my question whether or not that should start now or just go ahead, and I don't think I don't think I'm going to be able to speak into this 'cause. I think you've already made up your mind, but I don't think you need an mba at this stage. I, Get NBA for five years because I don't know if you're gonna end up doing any of this. I

and only when you do it will the NBA come into play, and you there's a lot of mba programs that you can do once you've cleared the student loan that and then you pay cash for your M B. A r after you've proven that you're actually going to need it with the track. If you stay on this exact track, no, I would not go further in debt to get an mba at this stage of the game. Okay, all right, not sure We're going to do that, but that's you asked so I'll. Tell you! Ok! Thanks for the call Kevin is with us in Indiana I Kevin. How are you I they are doing well. How are you better than I deserve? What's up, uh so start with baby sit three I'll be done about mid December, been looking at starting up out my 401K again and company matches six percent and also put

person and no matter what I do so I'll do the six percent of that, but there there's an option to do it before tax or after tax, and my my boss is saying: do before tax, my dad's land do it after taxes, I figured out a little bit. The facemask uncle Dave is the raw is the after tax a Roth. So I asked it was like hr and they they don't think that it's Ross. Okay, there is. There is before tax four, oh one k age, there's after tax for a one case and there's Roth four: oh one k ok, I would do an importer office after tax, ok, ok, if you can do are off, I would do it after tax 'cause. It grows tax free button after tax One k that is simple growing, then tax deferred is butts too but now we wouldn't do that math math. That's backwards, because you're gonna pay

the taxes anyway, when you take the money out, and so why. The taxes on the money you're putting in no you're going to pay it. Why is that people do not pay for now you're not going to pay taxes on the money you put Even when you take it out, but the all the growth will be taxed, so why not just hide the whole thing from taxes, so here's the rule of thumb. Ok, I wouldn't do an after tax four. Oh one, k that is not a Roth, ever okay, okay, because there's no place that you can do that that you you've already done something else. That is better. So the best thing you can do is go six percent in your case, up to the match. Beyond that do off now, if your want to hang around, if your four oh one k is not run off, then stop at six percent and go

an individual rof at nine percent. I'm sorry, thirty, nine percent to get me up to the fifteen percent. Well, if that is, if you can get up to, there was six thousand dollars. Can you? Yes? Okay, all right yeah! So yeah I would take my six percent match. First match is better than Ralph. Ralph is better than regular, an after tax didn't play in at all. They accept that hey Ralph is a type of after tax technically speaking, but we usually don't talk about it in those terms, although that is how it's calculated so yeah wrath grows, tax free, the bulk of what will be in your account is it is growth, and so all of that growth being tax free is a big hairy deal mathematically so like if you got in dollars in your account and

this all rof, none of its taxable, you put probably only put in about sixty or eighty thousand dollars to get a million in their overtime around ninety three percent. But if you got one million dollars in there would be growth. So nine hundred and thirty thousand sitting there tax, free or taxable or however, the one thing that beats? That is, if so, It doubles your money before you start and that's what the matches they'd your money before you start well, you can pay taxes out that still come out ahead of a tax. Free, Roth, so match beats. Roth beats traditional and never do a traditional after tax there's. No, Listen to it serves no purpose. You would have already maxed out doing something else. First, zero, hey thanks for the call open, phones that eighty eight thousand eight hundred and eighty two fifty five thousand two hundred and twenty five interesting question good call. You know when you're investing

it can get complicated like we're talking about there. It starts to feel like it's like someone speaking in another language. Well, just put in mutual once a mutual fund, how they work. How do you pick one? What's the deal with the midway by, I'll just pick me richer phone. Well, you don't do that. You know you need to know about it, you're, putting all your life savings in there in don't put name something you don't understand and so the millionaires that we interviewed ten one thousand millionaires, seventy plus percent of them used, an investment professional not to decisions for them, but to teach them so shut down with your investment professional, an you learn, anytime, sing? Something that's out of my league, I gather information. I learn. I learn I learn. I learn. I learn.

We're building a building next door to the one that I'm sitting in right now. It breaks ground Monday and I got the opportunity to learn about foundational structure And about four different ways to do it in a meeting the other day and it ranged from eighty thousand dollars expense. Two eight eight hundred and eighty thousand Mark Spence, and so I really wanted to learn about why I would do any of those in there there's like four options of ways we can go out why in the world would I spend why not go with the cheaper one? We don't want to be fall down, but why, when I go with the cheaper, when I got learn, I gotta learn, so you need to People in your corner that have the heart of a teacher and teach you in the process and don't be afraid to ask questions at your freaking money, I'll sit down with a smart pressure pro they care about your finances. They have the heart of

teacher and you will leave their offices having understood and you're ready to invest, go to daveramsey dot com, slash Smart Vester drops down smartvestor pros in your area and you select, this is the Dave. Ramsey show in the lobby of Ramsey solutions on the debt free stage, Christopher and Daniela are with us hi guys. How are you good? How are you I guess? It's Danella Daniela, Daniela, ok, good! I make sure I get that right where you guys from Durham, NC, wonderful. Welcome to Nashville, thank you and you're here to do a debt free scream. How much have you paid off one hundred and

fifty five thousand seven hundred one hundred and sixty five one thousand seven hundred and sixty eight dollars awesome. How long did this take about four one, slash two years good for you. And your range of income during that time was thirty, eight thousand two hundred and twenty eight thousand wow. What do you guys do for a living I work in law enforcement and I do courses online, ok, very cool good! For you guys what kind of debt was this one hundred and sixty one thousand. We had some loans from family members in our house if your house, you did I'm looking at brave man How old are you two Anthony Lane and I just turned thirty one? Then you have paid for house? Yes, so strange, I love it. I love it way to go. What's this worth two hundred thousand wow good for you, I'm fine! What do you guys do for a living now

law enforcement and you're doing online. Oh yeah, wow yeah. So how long have you been married for sixty years six years, yeah? Ok, and so shortly after marriage, you decide you're going to get really serious about. Knocking this out house and everything in this story, what happened so he knew now you through his parents but I didn't want it do anything about it. An he gave me as a present financial peace university. He knew that I, like press since back. I didn't like that. I am very much so we went to and I used to getting on board with it and and then I got more more state She became more intense and more than I was, and so ok yeah got out of control. Then huh yeah we did a cash flow around fifteen two? So from all my immigration things I'm from Chile? Ok, so when

unmarried, we start right away. Saving for or immigration paperwork and everything so trips to go and visit my family down there. So it was a lot of money that we need to cash flow, so very cool. So how did you all meet? We met in Chile? move down there to do some missionary. Church there, an we met and then I'll fun. That's very cool, good, good, good, good, good, alright, so how's and every Now how normal is it in Chile to have a paid for house over Now, when I start telling my parents about you, he they thought that Europe called leaders and they didn't want me to follow yourself and everything so fun yeah send them. The culture is very diff and when talking about my sure, more the christian culture, like you, don't talk about money at all, so it was a big big change for me. Coming she

he telling me all this stuff and show me your book and spanish and everything in between a big learning experience for me sure very cool, very cool. It's unusual here too, and I get accused of being in a cult here to there you go. The only way. We know I'm, not a cultures. I regularly tell people to leave so called leaders. Don't do that yeah. This is fun. You guys everybody at my work today. They make fun because I have a flip phone. Alright. Well, no need to show it to you, but now you got paid for house. So now you can upgrade get one of those three eyed monsters. The new Iphone with three eyes makes me feel like I'm looking at a monster every time I see one of 'em all right way to call you guys

shut up, you are at thirty years old, with everything paid for. Yes, God has been good with us very good. God has been very good to you and you're going to be in a position to be outrageously, generous, the rest of your life and build incredible wealth. At the same time, I mean it's going to be amazing, so other than the cult comments who who were the biggest cheerleaders I would say my parents when I was in high school they got on with your program, all the snack food The house, it was very traumatic So I grew up hearing them. Talk about you and everything, but they've been leaders for us through this whole process, and then we just surrounded ourselves by people who have been jurors to us the whole time yeah in my family that I'm bored like after a few years, What is social result, yeah, yeah, sure yeah? It's not you know we didn't ask you to drink

Kool, you pay your house, so life is good. That's pretty incredible! Wow cool you guys very cool. So when people ask how do people thirty years old have a paid for two hundred thousand dollars house making 38th and the one twenty eight through that period of time. What do you tell me a secret, getting out of that is you've got to work today, have the same goals when we first got married. I wanted to start working again strong as a second job, and she was totally against that she would complain. Every time. Why are you doing this, but then we have the same goals and we're working together. Turned out it transform from hey. Don't pick up that uh! job stay at home in the evenings too. Yes, take that job. Take that extra job. I was working, getting six nights a week and and she was encouraging me to do it, so it was a huge difference that we were working together now she ended up babysitting at that point too, and picking up extra jobs.

Itself, so it was a complete day and night difference so working together? The same goal, an io we always talk about like keep. And so we'd tied. So we give our tempers and didn't keep giving it because God doesn't want to take care of everything. Yeah a very m. We could see, God's hands and absolutely everything would absolutely I mean I don't even know how we got it paid off so fast in about two one slash: two years we tackled, awesome that short period of time when she started working and an you know, we would always be that we can get this done quickly because it was really hard. An jobs would open up right between two other jobs. I was already working and I would take that and just just give all They come home at midnight and get up early next morning. Just do it again, so it was a lot of hard work, but but God

yeah. Was it worth it absolutely absolutely? How does it feel to not have a payment in the world it's so weird yeah. It is good, then yeah well done very proud of you guys what a great story you guys working on it thanks very well done very well done very encouraging. I get to meet some of the world's best millennials on this stage right and everybody talks about about millennials, and I gotta tell you. I think the millennial generation may be the best generation we've seen because I get to meet the ones that are winning yeah there. You got a group of whiners in there too, but you guys are people like you guys are give us give old guys, like me, encouragement don't be ok. This country is going to be. Ok, you guys are alright. Well done. Thank you got a copy of Chris Hogan's book for you everyday millionaires. That's on the list of things to do now that your next chapter in this story, we slow down on the work a little bit and get back to enjoy

this money in the giving a little bit and also but stay on track and keep keep winning and you without a house payment. You should be millionaires are very, very quickly very well done Alright, it's Christopher and Daniela from Raleigh Nc One seven hundred and sixty six thousand paid off in four one, slash two years house and everything at thirty years old, baby, making thirty eight to one hundred and twenty eight count it down. Let's hear a debt scream. Three hundred and twenty one yeah. That's how it's done. So it's a done you know, I probably need to just load about five of the: U tubes of these debt free screams of people just like them in that same age group and every time one of the whiners from that generation. Trolls

on Twitter. I'm just going to send him about five of these and just keep letting him know you don't have to be a victim and till you decide you can just decide to be a victim or you can decide to be a victor which are going to be, and you guys decided very proud of you. That's so great. It is just so great. You understand at thirty years old, if you take which payment invested. That alone is going to be ten to fifteen million. That alone, by the time you get to retirement, ok, they're, probably going to be more, is forty or fifty million dollars. Look at the retirement if they stay on track. This is just unbelievable man. Math when you do it. That early is mind blowing this is the Dave Ramsey show

our scripture for the day, Hebrews. Thirteen, seven remember your leaders who spoke the word of God. Do you consider the outcome some of their way of life and imitate their faith? Ben Roth Lis weather says leadership is something you earn. Some chosen for you? come in yelling, I'm your leader. If it happens, it's because the guys respect you? Well. That's true, remember Peyton Manning told me story. You got the quarterback got hurt on University of Tennessee Peyton was either a freshman or sophomore put him in. Time with the University of Tennessee. First time ever gone into the huddle in a real game and he decided he's going to swagger into the huddle intellect like he was a leader Aung he started, trying to like pump the guys up in the huddle and one of the lineman looked at him and said, shut the blank up, freshman just called the play

yeah. Leadership is earned. He got to play, you gotta run the play baby. You gotta run to play. That's fun, What else is with us at least? Rather I'm sorry at least it is in Oklahoma. I at least how are you get These are better than I deserve. What's up? Okay, so I have four kids and my mother in law called and told us that she has four small savings, account that she like to add our kids names too a man I would like, or maybe we should think about investing it into some kind of education savings account, and so just wanted to get your thoughts on that? Well, is she gay I that option with her money, she's open to she just kind wanted to do some research to kind of figure out what that would look like how much is the savings account,

exactly she wants to put about five hundred each kid. I probably would just the savings for right now there are a few mutual funds that will open an account for five hundred. Most of them, or at least a thousand a lot of them, are twenty five hundred or five thousand, which is you know, they're very limited number that you can put five hundred dollars in, and so I would just continue to build that account and, let's just exercise, let the fam build the savings muscle you, the kids, grandma and add to this, and if it gets up there and it's two or three thousand dollars one of these days and you look up, you may want to move it at that point into a five hundred and twenty nine in some good mutual, but right now I wouldn't fool with that. Meghan is with us in North Carolina, hi Meghan. How are you I'm good. How are you doing better than I deserve? What's up? Ok, so I just started

I just broke up speak directly into your phone. Please, let's try again. Ok, I just started listening to you about three weeks ago and learned about your program and I am I'm working on getting it all started. I'm a student right now nontraditional went back to school, quit my job to go a completely different path and right now we've got fifty thousand in school debt, and I'm still not even done with my program and About thirty another debt, so I'm just I feel like now. I can knowing with your plan, there's a way to go, but what I'm struggling with is. Been trying to get my husband as excited as I am about do, and that is just trying to figure out how to go about. We got the thousand dollars and statements or baby step, one good Americans, the right, I feel like

need more in statements to cover things that I know we're gonna come up throughout the year, so I'm struggling with that step. Well, if there, if we know they're gonna, come up or are we worried for in You know I wish I pay cash for college from this point forward. Rather than reduce debt. I would rather, I would. Rather you not go further into debt, while you're paying off debt with the left hand, you're going further into debt with the right hand, let's just first do no more harm a large cash flow from this point forward. If, above that, you find some money, then we might start reducing debt as far as the amount in savings. What are you talking about? That's coming up through we're paying tuition or something like that or what well and then just dealing with white car maintenance. You know your inspection, any kind,

home repairs. We had two things break on us this past year, so that's kind of stuck in my head. What what broke? I also have a our our stove in her refrigerator broke. And one young. What is your? What is your husband MIKE? Well, okay, that's the perfect oh god. The guide is just so good. He he was at without a job for three months. Just started working in this month again and he's actually making well over What he used to make said this is our blessing and I don't want to get you for that and what is your husband's brother? He makes eighty seven Is there wonderful? Yes, right, here's the thing we have something that we do is unknown category car repairs are known category. That's a budget item in your budget when you lay out every dollar and get the every dollar app, and you and your husband sit down and look over the budget together star

building it on that app on your laptop or on your phone, it's free to use go to every dollar and download the app and, as you layout the budget, the two of you you're going to allocate money for car repairs, cars break; ok, so we're going to have a set amount and we just got to calculate what we think we want to set aside monthly for car repairs. You know inspections, one hundred percent of the time were coming right and so We got to allocate money for that to get ready for that. I checked this year. Christmas is in December yep, Actually we got allocate money to that. Ok, so all of these things are predictable events- it's not wringing my hands and worrying that it might happen. It's going to happen.

Now. You may or may not have a major appliance failure this year. That's an unusual year you at last year, but car repairs, car inspections and Christmas are predictable right. So we put those into the budget and on an if you run into a major appliance failure. Well that month you could just shift your budget around your husbands, making enough where y'all could pick up a stove right. So I wouldn't worry about home repairs or being in the as a major item unless you've just got some kind of funky thing going on with this house, but you just had a weird year last year, it's unusual to have two appliances go out in one year. So, but the other stuff is predictable and they're just budget items and your budgeting. One hundred and fifty dollars a month for cars, car repairs, you're putting in an envelope says car repairs on it in cash. You don't touch it. If you don't have a car repair, but it could along three months. You have four hundred and fifty dollars in there and then you

four hundred dollar car repair because things are going to happen. The cars it's about. The only thing you can count on is they're gonna break, and of course, the newer they are, the nicer there. Are they less they break, but they cost more, so you're going to pay, for. One way or the other. As far as that stuff goes so you're getting there. You just get your starting this process. Your dipping, your toe in the water, go ahead. And wait on and keep waiting in and turn around grab his hand and let him wait in with you and let's this laid out the more you lay it out in the more you take power over it, the better it's all going to perform Ann. The whole thing about money is you're, either going to make it behave, or it's going to. You know affect your by here Nate is with us in Florida, high Nate. How are you Dave I am proud not satisfied, and I am psyched to be talking to you. How are you better than I deserve. What's up awesome so

I have loosely looked at the baby steps and this past month I have. I have fully committed to at least in my head, I thought I have. Where I have share be a starter emergency fund. I've paid off of forty thousand dollars in debt of the 80s but I've had and the last step that I have is stopping my 401K match. I have not done that yet because in my mind, the matches. So good that I can't logically move to that point. Okay sickly. My are you married. I am you know how you married. Let me tell you you completely focused on her. That is true. If you want to get out of that, you completely focus on getting out of debt. An that behavior shift is beats. The math logic on attempt

very basis because you're going to be out of debt in eighteen to twenty four months and the amount of money you lose on that match. Ain't spit brother, but you focusing what you focus on what you what you win so if you're going to run a half marathon marathon, you gotta focus on it. You can get out of debt. You gotta focus on it. You're going to get married, you're going to focus on a child works you want to and so try and three things at once- just doesn't work well complete laser. Oh gosh, that puts a sour in the books will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's to walk daily with the prince of peace, Christ. Jesus

hey it's Blake Thompson senior executive producer for the show. You know you can listen or watch anywhere with the Dave. Ramsey show app on your smartphone catch, the full show or watch the highlights and check out daves upcoming guests head to the app store and download it today.

Money isn't the only thing we talk about around here. Get a life changing advice on your career from my good friend and career experts can call all my Kim Coleman show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, the KEN Coleman Show is for you, everyone has a sweet spot. Your sweet spot is at the intersection of your greatest talents and greatest passion. We will help you discover what it is. You were born to do and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes join. The conversation on the CAN Coleman show here more from the rams. The network, including the can call in show where ever you listen to podcasts. Hey, it's Jay producer of the Dave Ramsey Show