What is a viable solutions broadcasting, but all our car rental studios it's the day, Ramsay show what matters dog pages in the pay it off the interest taken the place of the Bmw status, a simple choice: they Ramsay your host your job and we'll talk about your life in your money. It's a free call, the Tripoli eight to five five, two to five Chris Oaken remedy personality number one, thus showing author is my coach to jump in we'll talk.

Your life and your money, as promised crystals weathers in Philadelphia high Crystal welcome that over him. She thank you particularly question sure. What's up, I am going because I recently inherited an annuity. I am not sure if I should just go ahead and pay off my home or a fire. should go ahead and law what over an investor how much is it it is a hundred and thirty nine thousand mouse. What do you know her. I owe a hundred nineteen councillors and have you got in touch portion? Look at it and see how much will be touched when you tell us out, I actually just contact with one of your recommendations. Our first welcome today, but on the other, three scheduling tomorrow. I also had ass. The three of your smart best approach, which I all right. Well, I have:

one. Yes, I'm glad it's marketers, so the your name beneficiary, on an annuity. Yes, it is divided we wait between me and my brothers crystal this to you. I thought you fibre, I think would you be named beneficiary Polly Gonna be more like a life insurance than it is gonna, be like an inherited a higher rate. I don't think you're gonna, taxes on it, but I'm not yeah I'm not sure. I think I think, as by cause your name, the beneficiary ANA. Thank you. She's gonna, come straight to you, I'm not very good at taxes, though so that People are out there listening right now going on about anyway, because to do so for sure check me out sound Ramos. Ok, so did that pay off my house unless our guard forty percent tax on this thing. If it's got a big, tax on it to some kind and you can roll into something at which I don't think you can do

can't rode into an IRA. You could Rowan into a variable annuity I'm very sorry. Nine times out of ten and eleven, you get just some ridiculously horrible information about the taxes. I am not get out. Even if I got a little about attacks and pay it off profiles Rohypnol Chris, how much is your mortgage payment right now? Mortgage and taxes is roughly Fifty can you imagine what a blessing? It is for your father to have left it to you to pay. of your home, like you get that you own it, and now you have thirteen hundred fifty dollars extra in your budget. I decided happy feeling in my heart, because this is business rough thing because my God, with handicap two years ago, and took careful for fifteen years, my brother just took care of infer. The last said that we had a family member that why choose

the attorney? Yes, my never invested his annuity Realizing the amount of money that it could have been what I was actually expecting was a little shocking about seven years ago and that person past way he went to live with them, family member. I brother, who I just power of attorney and he didn't invest the money either. So there's money grew for twenty two years at one percent interest so that hurt the bed Yeah, but now are still here the good measure your arms can be paid off, that's right and when you get ready to leave something to summon that home will have appreciated and it'll make middle, make a difference so at any rate, you know this is one of those things. Let that go realize your father thought of you and was intense, will have to leave something to you and you get a chance to write. Continue! Writing the story together Ben is whether some Knoxville I been welcomed that over amnesia

procedural, did Michael show. How can we help So I am engaged and I'll be here, get married your in April. Thank you about very excited, and don't you know go into the marriage on a big shots. Six, and combined income will be brought to an Italian, and I'm wondering how you suggest: encouraging or individual, more What then, are merged, for example, some of the young guy, and so am I The agenda fiance like snow clothes and furniture and stuff like that with the Good NEWS, is you don't have any dad accept your house? and you got a lot of money to buy guns and close I mean you call me up others problem, making amendments three thousand adjusted alone that, whereas I would have said no more guns and in a very few clubs, so but yeah I mean the Good NEWS. Is you can sit down together and I

tell you every gun, I buy costs me at least to persons. So there we have a way of formulate its programmes where the Argo Lotta guns, when you're, that means she's got a lot of persons. So you know you just go through some of that right there in all kidding aside. I think you just talk about it and you know it. Wouldn't a fair for you to spin. You know three times more than she spending on those things, but both of you, have some fun money category room in this budget you describe and been. Is this a first marriage for both of you? Ok, that's me. As the man about till you lives. Have you all done? The pre marriage counselling I will start by contrast, bats imperative and really dig into that. Get on the same page has financially. It sounds like you guys are in sync. Now it's a matter of as I do. People all the time you gotta speak French right

you her in you as we and so, that mindset of the muscles you all have already been flexing learning to communicate and flexible you're out of your biggest problem is: is that year both used to have on your own life now gonna come on lives and that's gonna require some outcome bill of that strategy. A lot of regard, Chauvelin, Siano, here's a area, moreover undesirable, puts into Ramsay plus and that hooked up with the every dollar budget and put you got there. At your patient? Largely is part of your primary concern. We're on give your wedding gift the earth, so you hold on and will give you a year in Ramsay, plashing Kaliko pick up and do that now what Do as jump on that every dollar budget and lay out? Pretend budget as if you were married, that's good, and

he'll give you want to talk about in them remarriage camps. Were we going to have some budget fi throttling but spend what you know, but again the communication on it being able way out. Looking after we had here, you have a common goal. Baby steps expand the house after that's right, so there's only things you can do with money. You can spend it to enjoy it, you can give it and you can invest it you need to be on the same page on how much is going to what end there should plenty of room to do all three of those things with what you have described here. You guys are making a lot of money. You don't really well can go regulations fiercely absconded ass. If they d you all have on us week of

pensions, because you ve lived, has grown ups with a lot of money. Now, you're gonna have to combine there and that's gonna be emotionally exclamation. Friction with that. It goes with. The territory is put on the table. Work. The friction work, the friction. It's gonna be great for your communication in your new merited loss and put the Lord first and then the centre piece of work out just by this is that every time she have, I heard a statistic recently that absolutely blew my mind in the: U S alone, over three thousand people die every day with out life insurance. What are people thinking? I dont understand how taking care of your family isn't a top priority use the new year as a reason to do something right like protecting your family term, life insurance or something that every family needs its not complicated. It's not expensive and Zander Insurance is the only place. I recommend gotTa Zander dot com or call them at eight hundred three five. Six, forty to eighty two, that's zander dot com,

Can I have your personality? Is my collage today open funds of AAA eight to five five, two to five, if you feel like you, ve never saved enough money or pay off all your death. After a year like twenty, twenty most of America feels the same way, we're all hitting reset Ramsay Plus, is our step by step plan should get some really quick glance. We're gonna give you need a plan day by day week by week, step by step, everything's in there and Ramsay Plus, of course includes financial Peace University, and you can do a free trial and see if you wanna, do they holier than ninety day plan I'll get you a fight. There is never too late to get a great start, trying to get a get a fast start, get a great start come out. I mean when you come out of the gate fast bone. Here we go rams.

Plus you try for free free trounce, if it worked for you, you're only blown away ram she'd com slice, reach, They were actually got com. All you shall lose some dead, crystals and I agreed J Crystal? How are thanks, I thought you were taken my call sure. What's up, regarding currently my husband and I are have no dead, except for a little bit of a car payment and our mortgage I'll lose by steady income that we kind of struggle just getting by check the check and wondering what is the best I'll get out of that right, which I'm gone, about six, about somebody, two thousand a year Oklahoma trials pilot. Seventeen hundred large car payment

Ah you about, I do about three hundred dollars a month on it. You would do what you can, payment. You have a payment amount. Yeah. I do about three hundred dollars a month. I got a little bit extra. Ok, Burma, your car payment is actually, if you don't do what's the actual about able to ten. Ok, that's what I'm asking are good Oh, that's! Ok, because you're near the extras, a choice and that's not a bad choice, because we're gonna get your car paid off and I won't be somewhat underlined a minute but but were put on more three hundred only but anyway I so you're, not giving me any numbers here that are causing mob. Into explode like you. Ve got major problems, which means that your problem like most people, including me when I first started this in

by not having a really good organisation with my money in every detail out laid out in the car, ass each these dollars for breakfast and a written budget. A detailed budget will you feel, like you, ve gotten arrays, because I'll give you an example. If you what happened, you guys get pay twice a month yeah ok, so I take home pay check is how much three thousand I ok so we have six thousand dollars. Minus house car payment is three after our groundwater saga, four thousand dollars laughed come on. We're done. Finally like Rhonda Second you're asking yourself, I know about water- and I know I don't know about electricity, and I know I've got food and I'll get some insurance I gotta by here and there. But you start

ask yourself where the flips money going and that's kind of what I'm asking so yeah you gotta get on a game plan and when you get our budget you or don't feel like you, gotta crystal, I'm gonna tell you, as I started off on dates plan some almost sixteen years ago. That is exactly what was the thing that was the awakening for me, I was doing too much stupid and grocery stores and in restaurants and so getting down to the root of. If you take a look at some banks, statements out back and look at the last three months and find out that category, where you're bleeding money and it could be online shopping, it did could be grocery stores. It could be eating out whatever it is. You're gonna do an analysis. You're gonna see it, but you cannot manage money with rearview, mirror right, can't wireless over and then go well that there are now you have to tell us what to do before it leaves on paper on purpose, for the month begins.

every single month and in agreement with your spouse, show they don't do something else. That's exactly right and I was just going to say with that when you find that trouble spot going cats envelopes on it. I'm tellin you haven't the budget line. they were talking about beforehand and having the cash I'm telling you gonna, give you more control, unlike data, it's going to feel like you gave you suffer, raise because guess what you did not jump on every dollar and start using. That is free to use it every day, I can download the app and start using that budgeting app with you and your husband, and you can start work on its night. You're gonna feel like you got arrays, there's a reason: you're leaving illusion there's just no intention reality behind the dollars and no one does by the way you you're not like you're, not a cop, I gotta bring nobody does. Are you have set down with people for many many years? What is the typical that area, the budget that people are absolutely lying about? What the one where you got this, isn't real atm

area. I regret I say, eating out of the grocery store, because what the stores we have now day they spend less at the girl. That's our yet. I know they spend a lot of reference, but when they find out what they really spanned, I got my yeah yeah. I remember I was sitting in a financial peace group leading small group one time years and years ago and No we're gonna go around talking about the lesson that night and we're like. Ok, wired. Why have you not been able to fund retirement whereas an investment lesson, while the questions which talk about in a white wine trivial, lacking when a little retirement, Countryboys Fetnah. Thing and Ngos are we looked at it. twelve dollars a month in restaurants and lower Germany being all been eaten it about a dyed labyrinth, Zangara about eight minute that that I'm telling you that's where love people do with it, they eat their future

scary- and you know what that something we can control, because what couldn't we manage? Our love? Restaurants, gala my I've got good friends, you and I have good friends, personal data. We share their world class ships that only restaurants we go to their place. I love that kind of stuff, I'm not against restaurants, but from budgeting standpoint when you're calling me saying I'm broke, I have no money, I will tell you that night percent, of what you spent in a restaurant. The money is spent on entertainment percent. Is your actual food caused so go home and makes thanks makes them make some high pains in corporate and undertake this even do throughout all this situation, with a pandemic of people being at home? More, you know, utilizing the sale now what they were spent in aid really did, because people are like what you ve got a lot more or less money where this money come from its right and it's all yours you're not going out on all the time,

so any intentional, be smart and end again, starting to set some things cut it back a little bit of crystal you're, not different in that regard. I dont know if its food that you're spending on, but you will discover it- we back and look at the statements like Chris suggested and when you start writing it down and try to make it behave hint for everyone, is starting their new budget this month. Whatever you, I think you're spending at the grocery store you're wrong it's more than that. I agree, and so, if you think you're spending five hundred dollars, you better put seven fifty and because you're gonna find that it's more have you been lying to yourself so long that you know really do that after these people tell me ridiculous. Never we may get off fifty dollars a month. Now you down, can't even issues eminently wireless below, but but because here's the thing How does a category that, if you under funded, you will go any their break? Your budget or you'll have to go back and correct,

your budget in the middle. The Mont adjured learning how to budget your first couple of months, go ahead and overfunded, you don't feel like you failed. You can always your food budget back in future months, could call for the first two to three months: you're doing your budget when you ve never done one in years over. fond your grocery store budget because you category, because you're all why everyone spends more than they think they're gonna. Do you people their super nerves and you do the coupons and you Ghali's apps on your phone and all the stuff you stay. spend more than you? you have just wait, there's something about deny all at the grocery store than we do We're in denial about what we meant. No it's good point and at the recent events, if you had washed agitated go check it out, I gave three tips, which is

the socialists. Only by what's on the list and stick to the dollar mouth, you said, you're gonna spend I'll, give you a fourth on Don Governor Shop and when your Hungary, that truth feature as I have I have ever done anywhere, but those burritos about from sands, where their good. When I got home, while you found two says two hundred seventy on, I was hungry. They listen to diagrams Russia at takeovers. We believe a great pair of cowboy boots won't just make you look taller they'll, give you that confidence boost that'll, make you feel taller too at takeovers,

make traditional cowboy boots for men and women that look great and feel great. So you can walk into a big mating around on the town with comfort and confidence and because we sell directly, you would know middle man to mark things up, you're going to get quality at a great value find your pair takeovers, dot, com, Slash, Ramsay and walk taller? Chris Hogan, Ramsey Personality is my co host today, open phones at eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five Elizabeth is in Tyler Texas. Elizabeth welcome to the Dave Ramsey Show

have been asking you take over doing the treasure for my property, ownership, insulation and they're, just smile, very I'm sorry, I'm late summit asked Peter I'm curious about personal liability. If I should be concerned anyway in regard to that, You would need to ask an attorney, I'm not one! I do many many many pieces of real estate in Asia. Ways and most of them are a hot mass yeah in southern always conflict and drama, and gossip and stupidity and everything else you would. As I understand the law and again I am not a lawyer, show your ear nose, a legal advice, question that you really asking, but, as I understand the law, you wouldn't Have any liability unless there was Miss behave, now are

Surely if you bought your of a new grill for your backyard out of money when you would obviously be liable for the mere behaviour or if there is a gross, Negligence, you did a horrible job beyond the pale of one any kindergartner could do then you might be held liable. Most of the h away carry errors and omissions insurance for their board of directors? so if a resident file suit against them for Meanwhile, mismanagement or net agents or fraud or whatever else the Vienna will step up the insurance company or step up and defend them. Legally him so much of the time your covered and even you're not. You may have been some legal fees, but you would not be held

two. If some I didn't like the color of paint that was chosen for the front fantasy right, which will happen. Yes, they then D. Then you're not liable for that year. Elizabeth dates not allowed to be on any kind of committee like that people. People would end up cry. I'm just going to tell you I think it'll. Do you have a lot of time? Do you want to do this, or do people just want you to do it? Well, we can achieve a situation. I would enable had had an h away, and he away and Motor Harper, you understand you shouldn t away. It's just for my street occur because certain expenses that we are responsible for it. just on our street, yes well, and so this is where the p away and so avoid. I am not so sure that we have errors in the bishop about because it touches off by war would have to be the wrong your street along

the h away that you pay money to a lot of ip away. Someone would have to get pissed off and sue you yeah from a practical standpoint here, for you would have any liability so as long as everything's, fairly low drama. You're, probably don't have any issue, but I can't make a promise of an age away, you can tell. I can stand no reflection on New Mitchell is like a sweep Teresa sweetheart. I can tell that to many, the people involved in an early dont have a life, and so would you tell me they what's the percentage of people that need to be incarcerated, two percent or as a groan, toot. No not incarcerated in institutional matters like same thing, with swords, yeah, it's a higher percentage and I join now. I'm not and is not a fan. I'm I'm yeah. Ok

the Collie, Kelly's Atlanta, high Kelly Area good, and how are you better than I deserve? What's up I thank you for taking my call it, but the last thing I have a question about May I draw the line they at home on the ends the married my husband makes about sixty per year as an essential wurzburg. I career has the potential to girl his salary to about seventy k within the next five years? we have children under three and I currently have on and aid in an essential, with a potential, think it'd be acting engineering after we can put our He sat number three That would be no longer than two years ago now We are currently paying off our house. Amnesty get that you have you choose about a hundred and fifty bad k left to pay off

They twenty used primarily thirties anywhere wondering at a deeper option it might be more advantageous financially speaking. Therefore, should I be if I go back to school and I gotta be asked and engineering and less than five years to jump start a career with a higher salary while maintaining our life ballot on these exceeded. Ok here yet extra towards other baby tat, the next opportunity. Should we maintain his salary and career at my lifestyle that you have now or the third up, I'd be, let it be better to go back to work. Part time ends on try, adding aren t his power, even for changing had a powerful would be because they feel like Harry. I should home as a kid you know, there's always bad de I e that the possibility of adding the historian, even though see at home.

Thank you mean there's two or three things going on: it's not just my path. If it's just my answer is how to make the most money yet bag, You gotta, say: ok but watch the watch. The trade off way that makes the most money. What what Where do you? What do you want to be doing career, wise well as wealth building wise as well as parenting. Five years from now, ten years from now and which It takes you to that person, and so on? So We call it around here or setting business skull, strict, more doing strategic analysis in the business we say: what's the desired future, you wanna be a man years and then what must be done. That's not true today, for to arrive at that desired future and acacia? Could it be ending Marie? Could it be a change out

and your husband, whose home, nor could it be a different way to do engineering. Could it be? I don't know. What has to be true for you too parenting dolls, your career, Gaza and Europe. relationship as well, that we are well done, indulging the closest and those things the debate by all three light out there at the end, and then you start acting out of it in reverse, engineer it and say: ok, what must be true? That's True now on your kind of saying that condition I gotta go back, get a degree of political persuasion and indeed go get the bs of under their trusted unjustly just the associates right and what be true. If we want apparent home what he might quiet, if you go, make more money and come home and be the throw light on bad. What must be true that your things, it must be true, the different options, but then, if you'd do those things you go back and say the trade offs cause they're always is through, were the right ones. Yes

now, you're right and end Kelly. You all deciding in talking about that. So you can put the priorities and your husband may have a different level of priorities, what I want you all to do is to have the time to communicate, and then here listen your heart is so easy to listen with your ears in your head, but when you listen with the heart, what you're doing is really hearing and feeling and understanding the person and if your when can feel that you're doing that for him and he's doing that, for you, you all will look through the lens for these kids and say he what's that, what's the rout, what do we do and like they agree with It's always given. Take we want to take take but we gotta do the gear fly. They too I mean yeah give an example had a young lady, the other day that was tarnished image, had always want to be a nurse and common, can combine and showed suggested she go and shadow nursing for a couple days. And she wanted a hospital and worked

beside a nurse and went through this ah, mercy, is a good career right. It's good money, get always get work and now was appealing but then actual doing of the jobs like do you wanna do engineering forty hours a week. ten years from today, with your bs. Is that what you want? Do nothing wrong with that? But to be sure, that's that's a lot of go a of stuff given up to get there sure rhubarb sure that's a ladder dream leaning on the wrong building. This is that Abraham show

like our structure is proverbs for twenty three keep your heart with all vigilance or from it flow the springs of life Michael Archer says: the bad news is time flies the Good NEWS, Asia. The pilot split again call bees whether some Brunswick Georgia High call be welcomed that ever amnesia. I think, sir, I haven't made sure what's up Joe eighteen years old, armor, freshmen college and I'm trying to figure out what I should do with the majority of my gun, I make about twenty thousand dollars between my part time, jobs and proposals.

so I'm trying to figure out if I choose to continue investing it? The way I am or should I just leave it in the savings account so one a graduate college. If I need the money it's there, what are you investing in this in the stock markets? analyze, eight thousand dollars illegal origin, individual stocks, then last year, five thousand men are Ross Irey good, for you won't on well that well colleague, Z, ash rate of return, on your money is copy What are you studying, the asian science and fight manager, so you're to make more money as a result of having spent money on education, Then you will make in mutual funds. Given that you are studying something that is actually usable, you're, not getting degree and medieval lefthanded poetry, ok

right show. very wise on your part. So the point is: is that the main use of money for you, the number one job one for money for you is, Dwayne Hand graduate on time and graduate debt free show I don't care if you save for retired, I do care if you read Joe you graduate. I do care that you graduate join on time and you pay cash. and you don't go in debt, euro, Workin, dude and you're a saving dude in your way ahead of the curve. Impressed with your jacobi. You really and truly are buddy. Who taught you about this? Did your parents teacher you self dot? my parents always taught me the importance of being lies at the fire Julian Cheshire, my grandfather,

I'd love to lie on college paid for sale on having a kick out of each state monitoring it that show how graduate college, that free, that's fantastic so I would ask you to take a step further. I want you to. someone that is doing a pilot, or some one, private or or someone that does commercial, but really find out the next level for flight school? What's he gonna cost what areas, you're thinking of so that you can start to save toward it as well. Are you way ahead of the game: young man alone, where funds are fine. Single stocks are not good growth, stock, mutual funds or just a savings account. Knowing that you, I don't need to be fancy just pile up carriage, a big Ol Pollack age when you graduate means you're, a genius and then you make all kinds of their voices for long term. Investments buying a home moving to a new city do our consciousness.

When cash gives you options at Genoa. Dave I keep getting on my show. The Chris Oaken show I'm getting people calling in that are twenty two and twenty three and they're they're paying cash for homes there they ve got it thousand safe return, unlike who taught you I've had of them. Tell me they went through foundations. They plugged into our high school curriculum took it freshmen list. Two. It got out and started doing it. While so If one of those things were you know in that department is making a difference. Maria isn't Tampa high Maria welcome that ever amnesia. I thank you for taking my call, pretty everything you guys have time. I do I question the can afford to dawn of five hundred and eighty nine thousand dollar home. What payments made why it should be percent gown it'll be thirty. Three nineteen

and that is that a fifteen year fixed that's a thirty year made have calculated on a fifteen year. be more than one fourth of your take on pay and so on make a sixteen thousand origin must take on Now, one making thirteen thousand dollars take up. You're getting ready to sign up for too much ouch yeah, ok, ok area that I have listened to me. Maria I'm so proud for calling him, because the banker the mortgage company will allow you to do that They will allow you to sign up for that headache and hardy trip you to be aware, you and your husband enough to say ah and downgrading you did I'm serious because they will allow it and you in and what you'll think is well. If they said I can, it must make sense. No, it doesn't. It makes sense for them. Of your take on pay on a fifteen year fix not take home. Pay is not after forty one guy.

don't pay is not after insurance take on page just after taxes, you get home with, but not counting your investments, not counting health insurance coming out or anything else, comes out your check, except axis all I'm saying, but I don't pay his taxes. So if there's a bunch, now to get a thirteen and if you add back in the Fora one k and you had back in the health insurance and comes out to be Dane than our probably getting pretty closer, because your payments gonna be on a fifteen year, a fourth of your a campaign. You're gonna be fine shelf its absolute, but you need to dig into a lot more and the girl would be one fourth or so give or take, but you just if you get, if you get up here, thirty. Five percent. You take home pay on it. Thirteen years, all you ever wonder could join without paid off. That's a big part of wealth building a thriving and I ve given up their thirty five percent. You can't do other stuff that you need to do you. You get Handcuff Dave, spent time in ITALY and in New York and I've seen people that a home poor that music so much how's that

really live and other places so do necessarily seek to buy the home. You want by the home that you can afford that since, for you and your budget Sean is in Houston, Texas, high shown? How are you, hello, I'm I'm doing. Good, I'm calling because your dreams the Buy American Express we were served he and the papers we all want a. We owe them. Eighty five thousand hours we have fifty thousand dollars find out who I leave the house on autonomy or should try to settle with them for the fifty thousand or after maternity told me will be if the one hundred I was tired, and I'm just trying to and I would like to go That sounds a little step to settle lad. And how far behind are you? we let me while paying in which we live, create them in July. Right after you know the polar thing wrong. Whirling hundred and thirty five thousand dollars on Amazon Card, it's up

Business card and mild then decided to do a business deal and find it all the material for a project and that's disk this is why we don't do ok. I just want to learn more. I want to learn the lesson with you. There ouch I'm sorry, I'm in charge your face in this yeah. That's a bit a deal, I'm not gonna. Have you settle that on your own? I would get legal representation, I'm not think you found the right legal representation yet and no you're not bankrupt, money to settle. This am actual do this, but they are there skunks they are not good pain and we deal with them all the time and you can tell their line of their mouse moving you really do need to get legal representation, are thinking satellite for fifty, your last with them. If you paid him since July, try there's not a collection, bully, dot com, collect prematurely, dot com. That's a group! I wish that we recommend for people that are being bullied by collectors, ok enough

One of them will probably pick up. Your occasion represents your for less than that. I might be wrong. It might be that much by ok, ok, If you can settle eighty five for fifteen culture, five grand that still deal right, there will be a year in China? Did you for being proactive, because People would freeze and the moment, and I'm glad, you're being proactive and acknowledging this for what it is. It is something that needs to be dealt with absolutely open. A triple eight eight to five five, two to five you're, not bankrupt, ok issue, again on her husband, but. thirty, eight percent of small businesses use credit cards to finance their business ideas where you end up on them?

your bankrupt! Stop that our galaxy grow your business with the passion that the business creates and if you can, but if you don't have the money or can get broken up positive over the project, don't like the bridle do it puts us our that IRAN's shown 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 for both daily with the Prince of Asia. This is James Childs producer of the day, Ramsay Shoe you can listen to Dave Rachel, Bruce Chris, hoping for the rest of the Ramsay network, anywhere with Rancey Network catch. All of our policies roused by topic, forcing that's your friends to the absolute and download the real money. Isn't the only then can we talk about around here? Get life. Changing advice on your career from my good friend and career expert can combine all my can com and 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, can com and show is for you? Everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will help you discover what it is. You were born to do and then we'll help create a plan to make your dream job a reality. You matter and you have what it takes, join the conversation on the can com and show here more from the Ramsay network, including the current common shop, where ever you listened about gas hates me

producer of the Dave. Ramsay show this so it is over, but check the episode notes for links to products and services. You ve heard about during this episode