Live from headquarters, Ramsay Solutions, broadcasting from it all environmental studios. It's that Ramsay or TAT is dumb carriages paid off and it has taken the place of the Bmw status, symbol, choice, Remsen personality John, the lonely, Doktor John Bologna- is my co host today will but he'll be take questions from you about. Relational IQ issues, if you're having a relation the issue of any kind of stress, issue, ay and Anxiety issue, maybe the person in your mirrors bothering you is.

May your minds, don't bother me too. I got a problem. Listen Evidently I have to also sleep n eat well and true to their people nice or like that either in the miracle you go hand we all have to play. The things we were supposed to have learned by kindergarten, which we do not learn them. Why is it so hard relation? a questions about money questions here all day long, the phone number triple eight, eight to five five, two to five, starting the hour his Brian and Arizona, Hey Brian, welcomes that I've Ramsay shall pay Dave thanks. Thanks for taking the call of your show. Like assure absolute pleasure, today, Sir, you too, how can a doktor John my help hey, I'm, I'm I'm fifty two divorced. Good career baby steps, seven, but sweetie. I started dating again and I met a few nice people that have a ton of personal data, and I just

I wanted to get your take gun. I just feel a little bit shallow furred, my first instinct in wanting to cotton rime, and I just want get your take. I'm on that. We wonder why nobody there. It is our biggest shallow, I mean you're, saying this is a value of mine Person doesn't share. It's not that you wouldn't be willing to for the right person. Alongside them. I assume right, but but it's just like if this is how they live than that says something about them that I don't like That's my shallow! That's all that's being observant! Now! I will tell you that course. I know absolutely nothing about dating, because I'm a dated and forty years other than one hillbilly woman show, but but What we have advised people in this category and drawn can jump in as well. It is I don't, I dont tell you to not marry someone who has dad

do not have a relationship with someone out there. What are tell you is to make sure your values are aligned. Otherwise, a long life and so, for instance, there are in debt, and they don't give up about that and it looks like they're not stand at the rest of their lives That's not a match for you a guy that doesn't go that way right right, if she's everything you want, but she's got thirty thousand our stood alone and she's peddling hard. You can't get rid of that stood alone dad or something then. Joining her in that after marriage and finishing to pay that off now you ve got shared directions: The mathematics of she has to be dead. Free would be debatable now, but she has to be heading that way. Not so the math or the money, but because the shared values that that's what we teach me I've taught people over the years. John. I think I would love to factor you're ear. Labeling your values, I think, being out of debt,

living. This life is so Conor cultural, it's at least where the conversation like it, may feel to you like drug use or hate we dont murder, new family or some kind of like core value, but for folks the community it so counter. Cultural, I've never even heard it before, and sometimes it you talk to you talk about it and they are all in all I mean ah jumpin in full, but with you. So it may be a great way for you guys, have a conversation together and to start talking about the values but Dave's right but if it took three years above your combine income after marriage, to clear up her dad and everything, about the relational picture was clean, including the fact that she wants to be dead free, that's a conversation starter when you got a great, have a great joint small wind start, your marriage with that's it that's a great way to get your journey going together have been the same page to slay, a small dragging on the way out

like young kids in other, like twenty years old and well dot dot, not date, someone with with the stern London as I don't think so, breaker I wanna continually today and at the rest of my life now would be a deal breaker because it's not concur with your value. But it gives somebody an opportunity to have a values conversation didn't I did. Evidently, people don't have any more before they start Dayton, and so I think this is a great way to say by the way. Here's here's some things, I believe in the things that believe strongly yours who, whoever I decided to spend the rest of my life with the here's that journey women take together. I love them. If you seen at the only over the others gum viral finish. I mean it's gone, like millions and millions of years. This girl wouldn't go out with him because he wouldn't take her to a five hundred dollar restaurant for second date, pussy toleration, I'm on a budget and she's like onawandah gown, a budget and his where he has made

famous, although not never, namely that that that is a hated woman, now all were you tube, except for the women who are like, I agree with him. I very agree with our data. May there are five hundred that you're just cheap, but now he, the farmer box, fact. Second date, model wife loves her some Arby's. I've must have married. Well, then, five hundred dollars- that's my first car man. That's it I'm out on their own member dug up. The point is I mean she should Dana gown a budget which is Anthony's like model Wanna data girl that baby gown a button right now. That's that's probably a match, and so what we're land here is the number cause of divorce in North America Day and in an disarmed and arguments outside marriage? Is money in money, fight, money, stress

and if that's, if you know what the number one thing is- and you can argue, you can find other regional research sites number two, ok, but if The number one thing is haircuts: you'd be real concern about haircuts. Have the hair cut conversation? If there is the number one thing was the types of blue jeans: you'd have the blogging? production, and so the money being in a line money on the money, the direction not the moment in time, but the direction is a. It should be for personal, wise, a deal breaker Not shallow? No, but it also leaves a moment so deep. Say your name in it. It makes them beam light. They get excited because Utah you give me some information. You give tools to get out a debt, and I dont want you get to the end of that journey and, in turn are honest, judge and everybody who hasn't made that journey at, and so this guy's got an opportunity to become Dave, Ramsay Fur I'm lucky woman down the line to stay as long as those are together. We just don't, commissioner, dating

we don't do this now. That's right! That's right! Now! You're! So that's that's not allowed to know about this. You know everybody come right out, meet you right up there until until ok missionary dating not gonna. If I have to talk you into this note now, that's not it, but if your brow Do it and you see the light and Eureka in here. You know your ear: your skills are still primitive and new you're learning how to do this for the first time, but you ve got the direction I can make sure they love it. But if your head in the other direction, you need just keep gone, I love it. You need to have it head on baby, have the conversation have the haircut conversation to shut up it's gonna let's go under which gonna grow. Sure no shows no sign up for this. That's four years ago they had their management should have looked at the parental baldness, but on the other side, this

that I Ramsay Joe

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Where's your personality, Doktor John Bologna, my elbows, the shower the phone number AAA a twofold. Five, two to five traps in Tennessee. I dreamt welcome to the show. Thank you so much. Thank you for taking my call her. Better than I deserve. How can we help if there is one get your advice on if I should so my car, not both my wife and I will tell you it is the worst provision we ve ever made. Happily, we got it back in two thousand fourteen and it's an absurd and accurate, and those already seven years old. We got it for twenty thousand at the time. And right now we have about eight thousand on. It was worth today.

Around four thousand or thought thousand and which are household income take home after taxes is sixty thousand. So what's your reason for selling a four thousand dollar car honestly just when I look at it. I just I just remind me of the worst of it. In a way that remain on a but how we are in an argument, though. What do you do when you are an argument you go out and take out a car alone yeah. I worked for me what I've worked with a lot of people in a lot of the challenges, and I've never heard that. It's not like that just now. It is rare that my mind. I don't trust, are really what it amounts to. Is this not a financial? It's just you everytime! You look at the thing you feel stupid. Yes, there, one of our own some stuff, like that, and I got rid of it for the exact same region, I'm with you, but there A financial region to get rid of a four thousand other car when you make an sixty grand, it's not doesn't solve any problems for you.

And so what are you gonna get you're gonna get another four thousand five thousand our car right right, yes, sir, the natural right, yet their fifteen thousand mocha Yeah I mean, if you want to trade cars, even you, dont come out for a thousand other cars on like that I don't want you going further in debt and using the fact that this car makes you feel stupid to go. Do something stupid. You ok show us. Let's just say it Even if you bought out for aura your budget is no more I've grand of that cars arena for five thousand. Our car in trade ramble a bit on that, and you know you move some of this negative equity on this thing overlap. Snow in the process you end up with the exact same amount of debt and a car, then yeah you want to go around I'm ok with that plan you may want to adjust towards, end of this thing and go Hermy? Nineteen thousand dollars making secure

I've gotta be debt freeing a year anyway. He might drop it till that and then just shall after its paid off would be easier to do. But you know it's just a matter of how much as things a thorn in your side, man, I've had those red is one that we see it man. Well, I mean it is not always think sitting the driveway staring at you're going you're stupid, but everytime you right. Every man says you're, stupid again in oil and what he said. Twenty for teens us a six seven years he's been over. This sets a fifteen year old car. They still owe money on Monday great. I was gonna Scarlet and Texas. I got area the doctors on monday- and I are you guys gripe. How can we help? funny thing informed there. Thank you for taking time to help me today, I am on baby step for insects with me. We are a sturdy for we have three kids, my oldest seven Phil

the baby step five, because if it actually feeling pretty resistant to starting baby Sab Five- and I'm pretty sure how we have to hold. My thinking- and I was Here- thought Thunder- show you dont want to save you from children's college. Why I'm decries? We at the point that we are right now with her in we tried cash flow college right now and we have a seven year old. So I don't hear dropping more than at age and that we, be able to live cash flow college, The other reason why I'm resistant to saving for my kids colleges, because I'm afraid it will create a moral hazard for them Oh mom and dad already have bench money set up for me. I'm idle

have to be created. If I don't have to try to get college credits in high school or I dont have to work and not have to do is only a curfew. Shock is apparent. Yeah, I guess sure I'm really trying hard not to affect the Harry I'm giving a hard time, but you so three Ramsay, kids, we saved for their college and then we catch floated and didn't use the savings and handed them those mutual funds after they grow

he waited. However, all they're playing their part in this was too not exhibit signs of having become a moral hazard to themselves so that their part in this the way you got to go to college and have me pay for it was you were going to live the value system that we teach and live at the Ramses Murembwe welcome with God, you're gonna be working, you're going to be saving you're not going to be engaged in extreme levels of Miss behaviour, like your dad did when he was copper, much you're not going to live with your boyfriend, while you're in college as a value we dont do it. The rams and so if you want my money you're going to, leaving the system that I taught you for living. As you grew up in our home, you don't get to go, get a degree in Burma.

Answer where you're going to have to actually, oh and by the way, Actually, I get the seller bus out because all for your d These are designed to the classes are offered if you take them to graduate in four years. Not graduating here, didn't just lazy. I graduated in it's funny. I knew that might you weren't going to pay for it. We came from large families and my parents, but likely Do it, and so I had to develop these critical thinking, skills and blew a game. The system and look at you know what you're saying the council This is, and I need plan so that I could get out even sooner and college with coffee less so am I Cargan was one thing and do you ever do you have to have been deeply in debt to learn the lesson about that answers now. Do you have,

go through what you went through and when I went through the same thing, chronic at their school on our own, in order to become a whole person, leave the fact that my three kids graduated in four years, walking with God married excellent spouses and live very, very phenomenal there. There model lives, says that it can be done. Are we perfect, an hour now, they'll tell you. The remedies are perfectly the outcome, but John you ve and hurried Fer a brazilian years. What can this be done, I mean, can you send a kid? Does go and pay for it and then might become a brat absolutely in it. I think: What you just said, training a box, as it is hitting than the head with a stick. That's not gonna bet, that's not gonna help them right and so on. If you but the means to help out your kids through college, I think that's a great gift. You can hand them but, like Dave said, You don't just hand money over without value attachment to it

yes, you can, you can grow a brat or you can help grow model citizens and wish it wasn't that easy? But you can and so now, you're not gonna, be hampering your kid. Unless you raise a brat you're, not gonna hurt you, by helping them. If you dont, say forgotten by the way tat you ve done southern morally wrong. If you choose to go, there going. You just wanted to have a discussion so giving you but also don't want, leaving the idea that you have to do this. Four Anderson and avail, and he grew up in a blue our family broke, and he obviously got a football scholarship to her. A major university and graduate for years. I was a degree in finance play pro ball after that, and I M really bright guy, but he is nothing for his kids he's bound and harm because he's a blue collar

dude all the way through to his bones and just says: they're gonna work screw it. They gotta figure it out, and it's good for nothing, The answer is calling your camp in that regard, but I just I don't, I think tat. Can be done. As a matter of fact, I've got a model that shows that it has been done. I've done it. It doesn't mean that it's the up. That's the only way I put enough the things on my kids without putting the financial on them. I mean just being my kid is but you know what you did is harder than make it work. The moral values you attach to your kids and had them live in two. They become full human beings. They couldn't Greco. Yes, I could do whatever they want to do with our. Until you have self discipline, you apparent discipline,

and what you have just this one need only produced by this- is that I Ramses There are people in the Ramsay Solutions building. Thank you dreams, human beings. Your here MA am so everybody home about five six weeks ago, and this building was ghost town with about fifteen or twenty others in the building of a thousand plus people and for further of four five weeks and then had a week where people become backward voluntarily after the governor said, it was ok and now we're in our and for a week of everyone being here with, except for those that have health issues and so on, but we're back

the building in this Monday this last Monday, five days ago, we opened the doors to the public again to come into the lobbying when allowing you guys from wander through, in fact our entire team, because we know how you public people are but but we let you in the lobby, I'm cutting its we're glad to see you guys. An end in part of that is to have reached grooms or back on that every stage, and that includes Nick and Audrey from Orlando Florida standing on the debt free stage with we are debt. Free t shirts on they may way to go guys. Thank you argue awesome. How much did you pay off twenty two thousand One hundred and sixty four dollars and six cents, and how long did it take five months, you got it and your range of income during that time. Seventy five thousand when you guys do for a living, I'm a special education teacher awe and I am should financial visor, very cool, very cool, I won't have you been married,

it'll be one year on Monday, oh wow, so, the first orders of business in the new marriage. Is the christian financial? You said christian Financial, advising advice, to say a word on the same page in our family or somebody said it we're gonna get out of that in five months way to go. Tell me the story, what happened so I I had listened to you before on the we had more of a journey in being a day, did I hear talk about them? so my data, my sister, my dad is the region, I was standing here today and I will use listen to you at our kitchen table and you're here, these baby yeah, you murder, cushion financial adviser yeah. This is just like call like or something. This is amazing. I'm so proud of you very cool, so you dad's worthier yeah, so he got my little sister she's a years younger than me some I at the time she was like

no ten years old and she's like Audrey, you gotta do this with your money. You gonna do that, unlike why is vices is eight years younger than me telling me how to handle my money. So I was like fine, I'm gonna jump on board and that's how might He started and when I met Nick, I was like we're doing the Dave thing in Europe. A choice is like our financial adviser knows about the not so how did that conversation donut We know that. Well, I was completely on board. We had a crazy month, We graduated may eleventh wash you're married the eighteenth honeymoon for weak and a half move to our land. Ass usual honour, our honeymoon and then I start work the next Monday wow. So he knocked everything out as quickly as possible, and then we quickly figured out that we can pretty much live off of my income and just use argues when she started teaching Toujours throughout the debt. For what was the twenty? Two thousand four hundred

that was just students, Sally May, is gone. Yes, yes, eviction notice, get out of my house yeah. We were putting like thirty five to forty percent of our monthly income towards the door, you weren't, you did a guy wants. Yes, someone you! So God, you guys lots of people in our energy layered yeah! Well, good! You are your major, weird and wonderful way: very cool, very cool how's. It feel it felt really weird at first, the first couple months: we just extra money. We don't have to pay to anybody, but it feels amazing were reaching the goals that we want to reach and quickly moving forward. We already are baby step three or workin on three be now and about to start for next month, and I can up into my for one day so fuck you guys are crowded,

Now, obviously, dad was a big chair later when she started doing this. Who were your other cheerleaders, my and her husband MIKE and mixed parents. And our friends Second Karla or watching him as there are like our first friends of Florida. So let me show you really have a good support. Group among you know, we're going in? I roused me out again: you're never gonna have family members will know that made a lot easier there, like you, Yes! I wish I'd done this. When I was your age, how old are you two? Twenty three twenty three years old and you're gonna be so unbelievably wealthy, and so unbelievably generous IRAN be so poised to do anything. You want to do so impression if you keep wearing the same t, shirt to you're gonna stay married along, whose idea was that, of course it was

I had a load low hand in designing the well. They look great, and you have figured out, though, that that you were the t shirt when you're told to move my good move thanks on Gaza, that night to figure that out right, very good, very good. Way to go on your side, feel yeah. I would say the hardest part journey? Was next car Maxine she way Maxine every year there are tories yeah. Whatever you name, because you know it's awful yeah, what are we actually want from a horror movie, one that the car that was, why would even possess? It was a niece Maxima and we actually broke down in the middle of the road and our friends and guerrilla. They actually came and they told us four miles with it attached to it, so that we could fix it and still driving

a bit longer means only by a giant nerd of your car with a log Jane ass. I love it. This is so great so who? What are you telling me the key to getting out of that. If we have a few, muslim of courses to get on the budget sick to it. I think that's that's true for everybody one that that was really big for us and specifically for people coming out of school, this to take advantage of the grace period and pay on top Europeans as much as you can before. You have to start minimum payments, and I think that was really cool, perverse workers. We she didn't make a minimum been now you gotta done before the Great River war grace period would have ended in number be paid so much at that point, I think we were just over half way down all ok, they pushed back- and I have heard the next payment in January and, unlike what are you going to have to make a man on payment, sobering, yeah, so able you realize so- we had in our budget but we're like. Oh this month, we don't

the minimum payment, and I was like very confused. So why they pushed back, and I was like a guess. This is how they keep people in days. You pay the same. Keep trying out. Actually right, we'll go on like Euphoria affects exactly what they're doing very well down you guys so well done, We ve got a copy of a crash Huggins Book for you every day, millionaires as the next chapter in your story- and I know this because I had daughters and sun sitting at our kitchen table that probably want the most rewarding things for a dad is to watch you guys becoming who you become, and so, if you want to say thank you to your dad, you ve done it by the people. You become

Some very well done. That's his reward and I speak as a bad. This done the same thing so very cool times. This is what he had in mind when you were eight years old and your sister was eight years old and you were talking about this at the kitchen table. This is why did this set you up for life? You got the skills and the tools. Now the completely win very well done. Well done a love it or I make an artery Orlando Florida, twenty two thousand four hundred dollars in five months newly married doing at seventy five grand challenge. Now, let's hear a death for each green. Three too, where swore come down here every day. Still you wanna! Do and your family tree. That's what this

That's what sounds like a story. That's the sound of a family tree being changed, and don't tell me why family change it, don't don't you or is the Spirit, animal of your family? It's time to change your family and at any point but I want to see one dead. One mom said no more than they ve created other branch of the tree and they're gonna, race, kids, a brain, just another branch, and free you talk about a legacy is different because a couple apparent said: no more, never again. Never! did not me a mine, for me and my mouth? No, none were no more,

this. Is the diver amnesia so getting them talk to their family and the break you didn't get into debt. Free scream was the that young couple or French the coordinators and dad is benefit. Atropatia verdict Warner, so that's generational as well and in others global pandemic to kick you in the butt and get your priority set straight, this is the perfect time to reach because your goals and after hearing a call like that, the forty

day, free trial for financial peace membership? Is, that were giving you for the first time in the history of financial peace. After hearing that call, if you I'll. Try that, like your brains, not plugged in good, really all of our digital content, including all nine lessons of our proven plan, that shalt nearly six million people like them like the whole family being changed not only get out not only bill wealth but be outraged, generous build wealth. Yeah outrageously generous? Did you hear that part they every plus opposition. There are nourished app the baby steps. As in there all of its free in the fourteen day trial. You can reset your priorities. You can get on plan gotta, die, Ramsay DOT. Com slideshow bore They Ramsay dot com, slice of pay. You either one for the fourteen day free trial. This is not going to last for ever. This is something we have done special during time, because

Some of you have reached that moment where you said, as for me in mine, never again changes ever I have the moment. We say no more than that, something that happened to the human psyche, win. For whatever reason you ve had enough? I want to see this table my wife and I will go through a class. We got book twenty years ago, when I have a long ago, fifty years ago we went through it, we ve been debt free, but when I joined here, I join the class in hearing the lessons again, together with our my wife and a new season with got kids now, we ve got different parties and plans. So even if you think you already know all the baby steps me think you ve been through it again on a recommended folks. Tat go. Do too it's a fourteen day free trial. Go. Do it again here it again here the lessons again. Could you gonna hear what the new lines and a new voice, especially if you're doing it with someone you been waiting for a long time and it never hurts a whole new it? Can it can almost feel

all new again. Molina is whether to New York. I Molina your question for Doktor John Ah, yes, hi, I'm I'm actually conquered by had some concerns with everything. That's going on Tom, my grandma passed away but my family, Really plan in regard to how They wanted to do a funeral, so it was basically everything with such a massive because she didn't have life. Insurance and then, a few months ago my father also passed away and he had everything plan to a t, but now my issue is, with my mother and every time we talked to her regard for getting a life insurance? it's more of us, she just They didn t want to speak about it. She doesn't. You have not even go into that detail and cheese basically doesn't have

savings and the job as she does have she does she. Has it been repaying how we three hundred dollars, probably or let go. I don't know how to go about help. Her, my siblings, helping her in the long run so that we were not going through this financial issue that how my other parent, basically that with my grandma pan, so what should ensure was going for her funeral somebody correct, and what do you mean I may God seventy thousand what're, you should movement. Well, one of them is a police officer. I'm not too sure about his. At the moment and then the oldest, why I felt physical therapists, I want to say he makes sixty seven down

but only thought of you make a lot more money than your mom crank, welcoming ten thousand dollars cover funeral. So well, each of your trip in three grand and let us have a funeral belt. Ok, you know what he's ok. So for my grandma was six of them. It fixable My arm mother, you throw your were burying your mother and there are three key rambles different subject: stay also go your mother, three thousand dollars apiece from your three from you and your two siblings has nine thousand dollars, that'll take care of a funeral Ok, I lived there all in that as well. Who then well, we ve ever body just agrees that I'm in four three Kay now or later you know, then you ve got that taken care of, and you know how to put the burden on your mother, whose basically living hand to mouth is what you're telling me.

And then I M also Dorothy now what kind of worried about it? If we could, she currently live with us?

We decide to move now. How do we have somebody take care of her at that point that at some point you in your work and your siblings, you're gonna have to stun have hard conversation and glad. I was fortunate enough to watch my dad and his brothers and sisters have hard conversation about here's. What's coming down the road, and here she's gonna be in charge. What my brother, my sister, have had that conversation as just a conversation. Siblings, have to be adults, have to be grown ups and they have to have that hard conversation because reality as you're, not gonna change. You know your mom's, I'm gonna change your heart, mind right now, and so that you can only faced with some hard reality is not enough to figure that out, but a shared, a shared cost and what your mom's gonna go. If she, if you decide she's, not limb with us anymore than that's a competition to have with your siblings internet too, don't have it with. Her is not easy way to have that conversation, advantages, crack planet and inhabit. How old is wrong? Fifty Roca,

so she still could do a lot of things if she chose to correct ochre, aunt, Rachel, so yeah. So I think I think that's another conversation that hard, but I think one I'm gonna have a morning under. If we move out, are you gonna get it? Don't you stop your I answered site that you don't know what's to develop a plan What are we gonna do with his career because the one you get sucks your fifty fifty six years younger than me. That's all He's got me, let's apparently largely under them. They have shut up over the years and I think I think what you are asking for is a silver bullet, and there is not one. This is gonna, be a couple, a hard conversations that you're gonna have to have, and you can lead your brothers and sisters but get nearby together.

Whether that on assume collar? That's over over dinner lunch aware that I think that the stress that year and uncles amounts have been under dirtier grandma's passing when no plan gives you an open door to have the conversation. Absolute answer, you her brothers and sisters shut down a mammoth earn the area luscious collar family meeting. As my mom were concerned about two or three things year, one working, that you'll make any money and what you're gonna, how you're alive? If, if we move out or we move, where are you gonna make it, and we really think you could do better with the money you ve got, you could do better. Will you not confront her about her career choice and so forth and gently lovingly ass, not cause you need money from her or something and then the second part. The conversation is: ok, we're not gonna go through what uncles and anxious so we're all gunship Anna. Take care of you Ariel, but in return we need you to get there.

After twenty years of your life, to be more productive, financially and on them, and you can be viewed as direct or indirect about that. As you want and end, you can again, you can base these kinds of conversations in a lot of. I love you and that's what we're talking about this. I love you and that's what we're talking about this. She may not hear it might get mad, but you know you owe it to her to have said the stuff out loud and the fact

this the emotions or in the air right now, because of the loss of your grandmother and the situation she was in when she passed, and so we go on. Ok, we should all learn something from this. We love Grannie, but there's a part of her life that was not well lived and which there should be some take. A ways from this moment in time is a well organised around target through yeah. I love the idea of having this in a non emotional setting, accepting a plan making sure that everybody is on the same page and not waiting to somethin blows upper, not surprising somebody with they were moving out just being able to done put Pinta paper and then have some loving conversations. There will participate in helping if you wanna go, take some classes. Maybe the kids in a paper. To do that. I don't know, but I mean there's ways you can help her, but but just not addressing avoidance. Dozens of avoidance is not a technique is, but it's not a success that successful one. That's right

Doktor John D, lonely rooms. You personality joining me today on the Dave. Ramsay show hey, it's Tele associate producer phone screwed up for the day, Ramses chef. If you would like to your Jeffrey scream, fly on the show make sure you visit, Dave, Ramsay sought cough. Show, can register. We would love for you to come to national until day your story, if you're looking for

fun and practical ways to save money in your everyday life you need to check out the Rachel crew, show a podcast from Bunny expert. My daughter, Rachel crews, guises rates of careers and I'm so excited to tell you about an ipod. Has a lot of you, darling, paychecks paycheck their end ass. You don't even know where to begin that they have this need. This want to get in control of their money, and if that's you, you have come to the right starts. So each episode, jeering at a time of inspiration and practical advice, not subscribe to the rates of crucial podcast, makes region. Today there are 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