What does she solutions? Fraudulent dollars? Vulnerable Dave, I'm sure we're dead, as a number of mortgage has taken the boy W. I M very ranging dishes you're sure it's about you, phone numbers, Tripoli. Eighty five, two to five: that's Tripoli, eight to five five, two to five: in this hour Houston, Texas time Gala is weathers. Our tank checked. Angelo Angela, I have no idea tangible. How can I help you

He was around. These were taken. My call sure I'm calling my husband and I we started on our desks journey. A couple months ago we ve been watching your video, you two billion that is really trying to get in the Malta thing. We were even went to purchase the world than the total running make over and we ve got to the point where we try to work like Austria. We are scraping to save our emergency plan by we. I was putting money into looks to purchase the employees stock, and so we took that out able to do that. But then, if we look at our budget, if we actually need that to get back, turn off the real were always in the rear. Every month we are money going now is, if it expedient. We're bringing here- and there are some that I worth highlighting- how have you been covering them now we going in their own languages view been going and we wish to highlight the sharply when we had a lot of

been going into dad every month. The ass it's a day every month in our problem is much more than the figure out how I watched videos about the log jam. How you got up loathing thing, but we had another to bill, is like were so excited to give thought it by weary. We don't know how of the income is the combination. So what is your household income They saw a man a month are brought one week. A month Ogilvy Mature, all income a year. The two of you, both eighty two in two thousand and one that you have not going your house. Ninety one thousand and carried out on a house were renting, ok and break that ninety one down for me. How much do you owe on your car, a car we, oh ok, we could. We have to note that one of the accidents that one hit us they told her daughter. So we got a cheaper car after that we all ten thousand.

Hundred on that one and then we're paying you know MA. Am we hang the gap in it was. The only pay levels would pay for TAT Owen four thousand dollars on that. Still now international out already or war or ok, anxiously of tune on the car for honour gap problem a former car. Do you have another car note now? Ok, the other cars paid for. I have one comment we only have one cause you're paying off again. We aren't. We pay one. Ninety nine, a month we ve, got no doubt a twenty. Hundred ok and much to your credit card? Credit card altogether. A thousand dollars show once again, stood ones must be a student. We also fifty one thousand two hundred and sixty one

sixty six, which the rest of it The other issue is like a lot of okay, so I believe we have. The only always got no down now to a thousand dollars. In the rest of it is like payday loan here are all bills, is like old stuff, that we had that not paying almost no well we're oh some other right. Some of it is that there have been in credit interconnections and on our report and that we get it up. You know they had into what we pay. Analyzer moderated medical deal. The endless do this: the things that you are not currently paying on the shore those over the side and deal with them in a little while, ok and then washed up how to do a budget. How much is your ram ironies? Thirteen six that includes the water, the asker, ok,

shallower under budget. It's all a budget is I want you jump on, get the every dollar budget for your phone or for your computer. It's free takes button, ten minutes, bigger budget. That way- and the point is you're not Are they going to bed every month anymore? Ever again, you're gonna pay. What can pay if someone doesn't get paid, someone doesn't get paid, but for right now, on balance the budgets and renders take? income that you have coming out? Have you stopped her for a one k? I we would stop. That last week had did you get a big tax refund the sheer Now we got what we got on a taxi fun, thousand dollars back and then leave that and would put it on our that that we have you don't want to get a two thousand. Our tax reform that major paying in two thousand dollars too much out of your childcare say one of you need to change your w forward payroll,

and bring that two thousand dollars com, which would be about fifty dollars more month coming home shall between them. And the third one case coming home. Now we're starting to you. Do any more? Those two things will help you start to get the budget balanced little bit now. What you do is you to put your it. Take home pay at the top of the page and every dollar has an assignment and we'll just do it in order until we run out of money. First thing you food and that this meaning out you don't get to eat out your broke. Why you're cooking so we're gonna buy food at the grocery store, we're gonna talk, cook and healthier anyway. And so in a lot cheaper, so eating out a luxury show. The second thing. We're gonna do pay you lights and water. You don't pay water, it's built into your aunt. The third thing we're going to do is real pay. Your rent, which includes your water. We're going right down the list of things that are most important already. We have eaten and we have a place to live there,

warm alkaline, occasionally, look. We know we ve lived to find another day and then we're gonna. Take your car pacemakers writ of transportation and then we're gonna take look around us or anything else. We have to do before. We start paying on these bills and then your scholars to try to go down the bills and pay minimum payments. The stated minimum payment on everything else got a lot of money left over after I did those things. This is why you should see. I think we are we heading we should have. We have. We got a lot of foolish things like a party of telephone bills were rather than a kid. They all knew the fine we'll go get another one. We end up financing act that we pay three hundred dollars a month on a cell phone bill. We pay, I tell my husband, is more: we need to cut off cable. He saw worried about the kids I haven't it will be in favour of the other more back. Your details through our families, bankrupt in your spin and, like your item like you're in Congress,

hundred dollars a month for a cell phone bill minimal he may in air bills, not three hundred dollars a month, now we have control of guarding earlier you gotta start chop and some stuff out lawyers Bay, where you can make the decisions, but if you spend every dollar on paper on purpose, using every dollar budget, and both are you. To that end quote is quick. Just having these drama things, each individual thing just make the list, some months ago when the money runs. Now we stop spending in It's that's what you do so you can pay your minimum payments on everything here that your mentioning it? said the other payments to the side, and then you pay off the smallest one, find any money pick up an extra job have a broad social find something to fail. Even you can do I off me. One on the smallest, was gone like that payment and the other money we can squeeze out this budget, the bird on the next one down. I don't think you ve been doing the budget that way

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rob is where this is also the code I raw now. Are you better than deserve? What's happened to you and I have a couple of the other night where depressing coming in their build up and comply with their main, your bail out of business account or tax reason. And his wife is really not comfortable with them, and I didn't know what to what tell him on a situation thanks for a coordinator. You can't pay your personal bill out of your personal account and make it tax deductible groceries, you're, not tax deductible, under any circumstances, unless you're buying groceries for I company event, but if you buy groceries for personal gain,

even though your business account it's not tax deductible. So what's gonna happen is can we get audited, slaughtered in the audit. Ok, stupid on steroids. Ok, his wife is big time right. Ok several problems of what he's doing, but number one is just a false premise that the stuff just cause you write it out. The business account does not make it deductible, and so that's number one number two don't do it just for tax deductions. S gonna get you in trouble. Number three you do not run only your business out of your business account. You can't due account in your business to find out how the business is doing this guy, have a piano on this business. He d, never Jude on this business, he's running this thing out of his ear. And his business is very poorly operated problem.

After having done as long as I am that's exactly what you'll find, if you dig in doing so, what he should do properly is to set a completely separate account for business. Only put business income in the that account and only pay business expenses. Out of that account and then the money that's left, overs called profit, and when you bring the prophet home, you set aside taxes on it on, because you have to pay quarterly estimates and you then have clear picture between a clear delineation between the business and the personal account he's either getting bad tax advice or he's had no tax advice, because what he's doing absolutely wrong: ok from an accounting perspective, attacks perspective and a personal finance, backed if there is no one in this situation and I'll throw Another thing in there to look for as you're talking to them. Why for this May or may not be true, some

times when I see guys doing this, it's their way of still violating the baby step principles I'm going buying crap they want to buy, but the wife doesn't know it. Ok, Sir Way of hiding a secret stage of purchases. As they that's over there in the business and she doesn't have visibility to it. Not always happen, but sometime that'll happen and you'll see that in their tears, but yeah that this? This lady is exactly right and he's exactly run limit. Send you a copy of the book, Entre leadership to give to him on properly run his, This is how we ve grown our business I'll. Send you a copy for is that you can give them as a gift from Romania again. Thank you. So much for for coordinating the class Lisbon, those weathers in Chicago High Elizabeth. How are you I I'm grey area better than I deserve what's up

for taking my car. I had a question regarding establishing a well and trust for our two children. On my husband and I are, I slept for five and six, and I know you advise birthday specific well, then we just move Illinois, I'm from a higher. I wanted to get your advice on a week. We might not be staying in the state of Illinois. We rightly moving out the next five years from my husband career, and I don't want to get your advice on What we should do their additionally, the eel p that we John Ohio said that his assistants should thus be about a thousand dollars, and I wanted to get your opinion on that. Who does what thousand dollars for his services to help us set it up and set up a will a well in a trice, weak they went over all of our you know what we want, the do to make sure that our children have ye peace for legal work. Ok,

So I wasn't my lp. You talk to her guy, I'm gonna talk to, but I don't have a real piece? The dude legal work will be appeased, do investing well, then I yell peace are smart, rushed approach in that case, so now thousand bucks is too much for basic. Will? That's? Ok! That's really high three through foreigner bucks MAX for basic, we'll put together. It's not get science and yes, you need to do one in Illinois while you are staying in while you live in Illinois, when you move from Illinois do another one. The good news, as you will have done all the hard work and have the basic place there, and then you can just take it too. An attorney and let him look at it and say you know, states specific. What we changed from an Illinois will to a Texas well aware, removed to, and you know what differences are there. A lot of times is how the signature is done, that it can be that something simple has to have

witnesses and a notary in one state one stated just has to have one witness or something like that: it's something like that! Little throw you! So! Yes, you I need to get it reviewed every time you change states, but A thousand dollars is too high for a basic will. Now my I mean I've got a lot more invested in our stay plan than that, but but but ours they plan is below really complicated. Show you but you're doing basic stuff for network is on five million dollars. You know you We have in our will again three to five hundred bucks. Somethin like that, should get both of you a will in most areas. Thanks for the call David is whether in Chicago I, David how're, you heyday face much per se technical sure what's up well, I read your book

their political peace. University unalaska reaches out I'm by far to get, there's gonna be the get they disappeared on Parson, unwanted and stuff. I have forgotten eighty eight thousand hours on personal data, w that I hold up there. A thirty eight on their both upside down a little bit about mainly because of the broker I'm wondering do I need to giving I give it to both and then to cash flow. The difference What's your name is on the up to forty. And I got about accordingly, nobler than nine mortgage debt it about to forty actually, including about the car everything for a long time. I got it all and obviously got a great ended on your incomes The biggest her appetite for toys- and what do you do for a living?

he became rambled did for you when you kill him. So the of them that we use- and you read this and the total money make over is two things when it comes to things with motors and them boats, cars, trucks, seduce tractors, lawn tractors, whatever add up everything: that's got motor entered. If it's over half your annual income, then you have to which invested in things that are going down in value, because everything that has a motor and it goes down in value quickly. Ok, us about boats, I've got a couple boat sake. Let go down really fast, so then, in addition to that another, if that's the only two, because you have your under half your annual income, so technically Macleod writers, Guideline is gonna, be debt free in two years except for my house and still keep these things. If I like these things in the answer to

a question for you is now, and so yes, you are the boat? You probably all the main, but you definitely have to sell about the habit of preserving our biggest stuck out further differently. I think I'll. Take attack, return and apply them towards yeah yeah. I know it's, not the union over the mountains, your upside down, so here's you told me, you got about a quarter million dollars and that right here guy and if we lose eighty, eight thousand of that that gets us down to about a hundred and seventy thousand in that? Not counting the beemer? So can you modern, seventy thousand in two years as eighty five thousand a year, Rita problem, improper! Do it better

we want to keep their Damer and you put yourself on a two year scheduled to be dead furry then keep at it fits it's not like it's getting rid of. It is one thing that allows you to be there for you two years cigarette everything gets right. Are you my plenty of money and you don't have any time and you'll be oversight, but by what I will call you want, and for that matter lighter obligation at about package for to make good money around our stuff got. You are trying to strangle home, we're gonna break it.

Tell you a story about two families that are very much alike and a lot of ways both families have to working parents in a couple of young gives each has dead in a struggle to make ends meet but are starting to make headway with their budgets and smarter decisions with money. They have dreams and plans and the only real differences that one family as the right amount of term life insurance and the other doesn't big difference. If one of the parents die- and that does happen, their well being would be destroyed. That's why, every day I talk relentlessly about getting term life, insurance go to stand or not com or call eight hundred three five. Six forty to eighty two, in the lobby of Ramsay solutions can an amber or where those guys are. You dave our welcome. Welcome more you guys from we're from Bourbon Illinois,

is near cargo about an hour I had about so God welcome to Nashville and all the way down here in the rain to do your dead, free screen, that's right, love and how much of you guys paid off. So we paid off eighty one thousand dollars and fifteen months Dave Boom, look at that and your range of income. During that time we started out about eighty five and India two hundred and forty wow awesome. I'll do for a living. While I teach a public high school, I teach his three remove them on an ideal solution. Salesman Dave good for you, well done guys. So what kind of that was the eighty one thousand dollars? So we had a look at everything day we had a credit card. We had student loans car you name it. What was the most of it so that was student, Dave, ok, cool cool, we too married eighteen

months now. So that's what started at all. That's right! You get married, come over the honeymoon and go or gotta clean this up. That's right back! They tell me the story. What happened. Well when we were debating and when we got engaged, can was very very much involved in listening to your podcast all the time every time we were in the car for more than twenty minutes, he was putting the podcast sun and he's a real romantic, and he got to the point where I mean you: reference like daydreams, he becomes a for a letter were on their engagement in dating period by when we got married. He bought the total many make over and he's like hey. I really actually like you to read this and get engaged in sitting actually reading it. For myself on board and then we does tackled it the fact that it ruined all your data guy. So

four year: rata! You gonna want! Ok, I see one all the fuss about its worth doing. This is to be a great goal for us: you're after getting married, victorian this and it was a great gulf. Congratulations are very well, but ok, so can other than the fact that you over dead. The divergent thing: how did you? How did you get her to do this you really just sat down and talked about will. Why do we want to do this? I did go about it the wrong way by just saying we need to do this. We need to do this, but instead I said what why do your? Why should we do this, and this is why I want to do it and I listen to her her? Why is well today ok, so what are your? Why amber? for me I want to have the opportunity whenever God bless us with children to be able to stay at home with them and not have to worry about money. Respect settled gotta, one as I can think of yeah. That's a good! Why very good! and so our right now we sit down. We do a budget and its game on that's right day. Hard was that you know that first conversation was like

design. We really want to do this. It cottages me staring it, but as we kept gone along, she actually start to be there. Really drive in the thing Dave you created monster them. That's right, ok, cool! So what are you too? people when people found out you only been married eighteen months and during that time you paid off eighty one thousand dollars or the death. I always ask it out you do that, would you tell the secret is, I would say We usually encourage people. We ve taught a couple of F p classes with our church at this point by some young couple. One like you. Oh no problem thanks! Thank you. We, encourage them to communicate, and that's really the biggest thing is being on a team in coming up with your wise together- and I guess Communication had taught us a lot about each other, and how does in our marriage early on not just talking about money, but talking about everything Sally without Liege. While you were drawn by your, why you wrote about or your dreams for your whole life is

money is one of the ways you get there. And so on, because you're gonna need some usually to get the most of those dreams this most things either they cost money or you're. Giving some money for the thing whatever it is. You now either way so good for you guys so come patients huge. What else budget was also really huge, Dave Vile acts sit down and looking at it at first, we were like really able to do this, but then finally dominant to the budget and be able to talk with other people about eight. Once you get your numbers together and actually look at it, it really isn't as bad as you may have anticipated the other monster in the closet, are bigger monster than the one in the middle, the kitchen table. That's rainy, shrinks when you get him out of the closet. Look at the details because the worry and all that stuff around, and it takes the drama of it when you just write it all out. So what happened your income from eighty five thousand two hundred and forty and fifteen months or years I mean I'm a salesman

obviously see my wife. You can see I'm a pretty good cells and that's how things came from it has got after all its game, all that's right day, good good for you well done, you're, obviously good salesman, two or three: its approved for the good fairy now that we ve got a copy across hoagie, but for your retire inspired. We want that to be the next chapter in your story that you're, not the debt free, but now you become millionaires and outrageously, generous along Roy. Ok, that's right now on the way Love, love it. Congratulations you guys operating on a day very proud of you are. I can and Amber Chicago Illinois. Eighty one thousand dollars bade off in Marge, making eighty five to one already Zira Debt, British, groom, three, two one,

dad why the girl, you guys that's also my their love. It Heather is in Little Rock Arkansas other. How are you angry Dave. How are you better than I deserve? What's up? I'm ok, I was then, and I have been married for almost six years now, even together for six years gone well, then and he came into the relationship with a mortgage with his ex beyond thirty, and a may see now lives in that house and he found it. Claim deed to get off legal and well, he still it, but it's still on his only to lobby for the more he still out, both by the mortgage so we're tired. We just recently started

implementing our plan and that the hurdles that we have been is on his you on his the credit that were wondering how we can get I'll heating it offers. So the more he never. He bought a house with a fiance. He would they were never married. No, they were not there. Then. He quit claims to her up here and capital are barely DOM because he lost all leverage, so there's no agreement here anywhere other than he just Telstra the keys and walked away and state on the mortgage are so, do you know anything about the mortgage I know that it through tax base do you know the law of the interest rate I do not know the interest rate. He probably their folly, still fifty to sixty thousand dollars left on it,

but I dont know the interest rate or anything like that and she's. Obviously just gonna camp there for ever yet enslaved still he's my seat. In the mortgage were, and I know you don't have what you call a contingent liability, meaning and if she doesn't pay it you're gonna get stuck with the bad credit and potential for closure so our eye what you're old household income right now, it's twenty one thousand, I'm about to go back to work, we are taking care of help and take care of your household income b I would cite problem only thirty or thirty five thousand, so you might thousand backpedal well just part time I don't I'll be mega. How much derivative damage you gotta! Do you go about coming? This is the answer my goodness theirs,

but really I'm Otto. I haven't figured it out exactly, but it's probably ninety then in debt. The majority that alone yeah it does not make it any money as result of that education, while I would worry about that that before I worry about the mortgage, if you can when you're out of them and the only standing as that mortgage. She still has unpaid offer refinancing. At that point, I might offer to pay her refinanced cost. The generally financing and our own name and made the better it refers, or this

is that every measure many appellations galling Kyle whether Kyle welcome that over amnesia I gave our better than others are gonna help great my thirty three years old- and I give her watch here Here- Youtube videos via a couple days ago, and I do love and your content here, so, I'm warning you? Basically, God

entire mortgage by the time on forty seven years ago, and I'm wondering if I shed a- finance too. Fifteen year loan it paid out the next eight years or just leave it is on the thirty year, because I was the first, I'm homebuyers thought well the only reason you would refinances not to go from a thirty two fifteen to an eight to seven. The this refinances. If you can save on interest rates substantially, because you can t the thirty year mortgage. If you figure out what a ten year mortgage would be on that same balance and pay that extra you'll pay authority ten or fifteen show what is your current interest rate on your mortgage about four point: five, you, not me, it's not gonna be worth it for you to refinance in that market. Might say by half a point, you might say three quarters or point, but

You know it's not going to save you enough to fool with it. I would just calculate out what it takes for that mortgage to be paid off by the time. You're forty and say that's how much extra I need to pay a bill. Compare that irregular payment and the differences. The extra ok. So I all one seventeen on it and I am a favor site. I still I got forty k in having twenty? thousand dollars and stocks and in others, three and a poor one Kay Eighteen in Iraq, I re and my twenty five an attack, sheltered annuity geek I put any that money down, It away just maybe even output that anything that I didn't non retirement that will not be penalised, which will be the twenty k and stock, and some of your forty k is the forty two. Forty at your total pictures need an emergency fund out of that forty gay of three to six months or expenses. But what does your income.

I make a hundred thousand Doha if we said three to six months of expenses, would base I twenty grand we could take. Twenty the forty and we can take the twenty in stock that be forty toward your one fifteen that get you down to just sixty four. Thousand owed think everything else was in retirement. If I heard you right, that's correct it was a panel, our penalty involved because renewing but cap n, then I would limit my saving my investing that you're doing a really good job there, but I would limit it to fifteen percent of your income while you had knocked at sixty five thousand now swimming you have no other there right. I do have seven thousand out in that, but that a deal interest and about paid off in the next two or three months okra. I would you go ahead and pay that off now and then, let's whatever you are going to put towards that use that put towards the mortgage extra later so the seven thousand you would put towards that out of here

come to pay down the house faster, but such so really we're talking about putting around forty thousand bucks in give or take thirty I or so toward your mortgage at this point and be a hundred percent debt free as soon as possible interest rates irrelevant in terms of consumer The reason that your relevant, if it makes you look stupid if you eighteen percent and refund your credit card. But really paying it off very, very fast mathematically, it's not costing you much on the interest. What's costing. You is Cash flow in the risk, and this idea that your burden down with stuff so If you can borrow a million dollars is zero percent. You wouldn't do it if you're smart anyway, James is where this Boise Idaho High James how're. You stick my They were always sharing your knowledge with the rest of us. Thank you. How can I help? You had a good impression, I'm new to this.

Money, saving lifestyle. Past certainly championships is also turn you get my gun. But I'm bore the page, you go through the positive saving for a future our plan on being together for long term enough and I am fully into it now, I'm trying to figure out a way to get her on the same page so that we're not clash contact while the first you do, is you dont use my name so much? It becomes a cuss word. Ok, the second thing don't talk about what we're gonna do with money about why we're gonna do it like so looking, when you say we're gonna be together long term. I am I'm assuming you're talking about getting married, it's ok, and so you can talk browser, you know, let's say Sunday, honey there we were getting married and we would want to light be wealthy so that we could try,

of all and be generous and retire with dignity. We would have to get control of this money because the only way. People end up with money is on purpose. They never accidently get rich. No one looks right, starting from nothing and says I have million dollars anger and no one looks up goes how that happen in other happens. It's like always very intentional, very methodical in we'll be on purpose. Just like you are with your marriage. In all you know, by accidently has a good marriage. You actually have to focus on learning about marriage and learning about you know letting the person, women and not being salvation, carry by their feelings and United called a relationship, and so you it's an intentional act, though it is not a natural human act. You have to pay the utmost This is what I'm gonna do This is how Monterrey, kids, you have to enter discomfort and

price with any area of your life. You're gonna win with, and so don't talk about. We does not go out to eat. When you do the clip coupons We need to show your car? Don't talk about that stuff talk about where we want to go and then start asking questions. What are you We need to do in order to get their dream with her. Chris organ this book retire inspired and when he speaking always says to dream in HD high definition, dreams very detailed, very clear dreams when you lay out your exact dream, I talk to a lady. This weakens pretty amazing. She should I want to go to Venice ITALY. I want to stay in this hotel in Venice, ITALY. Four days and then I want to take a yacht, and I want to go To the Greek Island of Santorini- and I want to spend a week there- I mean she

detailed out. She know exactly where she was gonna go where she was gonna stay, how she was gonna, be transport, and so you on a budget out on that in a heartbeat, once you have, your, you know, is still Sunday car large ago may resort to towards Europe. You know that's different right, she's, a very detailed high definition, dream that the two of you, both by into and agree to. Then you can pay approach to win. You'll pay that price with you and you start talking about marriage and that kind of stuff that dont combine your money. Was somebody you're not married to discuss a shocking Don't don't combined your money that that'll get you in all council benches, so bad idea, don't do that at all. You know. People some, diversify its an interesting discussion. This high definition dreaming thinking about The future very, very, very clearly kind of a nerdy exercise, if you think about it, but then it's really not a dreamer exercise in China We first farthest company, our kids were lit,

people say how did you work the hour? that you work to start and then grow that company and you were gone all the time. And how did you do that? your children survived in your marriage survive and all that it's because we weren't at the moment we were looking patch the moment we were Let no one else! So that later we could live and gave like no one else. So like What's going on or a book to renounce was be gone for six weeks, just like forever. For some like me, I can stand being on that for six weeks: insurance left there with red little kids, which is like torture. How did she get through not be better at me at the company. How do I get through that and not get so homesick? I can't breathe, because we live in like no one else show that later we can live like no one else. Are we told the kids? This book is paying Good money shall work, do this, and when I get home about we later after I get home. Run a business world, so you, you know, you pain a high definition picture out there in the future that allows you to walk

through the crap, you have to walk through the wind and that's true anybody's life? You know nobody. People go the why work out cause it's fun, but there's just a few of them. Most people they go work out, they work out because they are gonna. They're gonna go through them, to get the result. You gotta go through the pay, They give the result, that's what it comes down to it, but you know the result clearly defined in your mind and the more clearly defined it is the more you're able to walk to the garbage is necessary to win

That puts our that. I roundly show in the boy hey it's Kelly associated certain funds benefited Abrahams Shut. This episode is over, but if you heard about a product or service, it didn't have a chance to write it down. Don't worry, we was everything that is mentioned during this episode in the podcast. Show that section thanks felicity, make more money doing what you love check out: Christie, rights, business, boutique, podcast procedure, Byron and quivering women to become successful, running your own business ham, Christie right and I help women all over the country, take their ideas and passions and Hobbes and turn them into profitable business. If you have an idea in your head or dreaming your heart and you ve ever wondered if you could make money doing it, I'm here to help, when this on the business duty podcast, where we are equipping women to make money doing what they live here

from the Ramsay network, including Christie, right business, booty podcast, we're were you listened Abad? Guess: hey! It's just producer of the Dave. Ramsay show this,