Yeah and the headquarters of Ramsay Solution Broadcasting from a dollar car rental studio. This is Ramsay Shop where we found to have a conversation about your life. I'm pretty right and enjoying me today is baffling other my good friend in real life, Rachel Crews- and we are here for you- we're taking your calls, Tripoli, eight to five

I have two to five. So if you have got a call about money, if you gotta call about work career change, starting a business. I business small business ya know I love to talk about that. If The question about relationships. How to spend your time spent a role. but only with the new book that I put out take back your time. We're guard of what it is. We are here for you, we'd love, to talk, we'd, love to hear your story here. Your question may be give you some advice or maybe just be a sounding board zombie process, what the best move is for you AAA eight to five five five Rachel. I love and I get tested you because this is one of those things that we know we were talking even affair. We are friends of real life, but we also need to work together. Have our desks thought and has the Reims II shows that this can be fun to all together. I love it so bright February, as its running on is the weekend. You got me on plants. Areas it made on product, so beautiful weather here, Nashville we

excited to hang out with you give scope, Tripoli. Eighty five five two to five were gonna. Kick off this hour by going to Indianapolis Indiana with Rebecca, Hey Rebecca. How are you, I will? Well greed how're ya, great with one on actual, Yes, I might have been in my report on babies have sex with two: thousand dollars will have to pay off the mortgage wow. Yes, we're pretty excited. Thank you. and technically I give now will probably not unfix anymore about who is used to think that I'm hubby had a medical emergency. The sheer so we now have six thousand dollars will have to pay on the medical bill. The dilemma that I'm having is typically of Kosovo just pay it off the money we have on him by his. I haven't Asia. Eighty I'm trying If you go out if it's actually batter her eyes. She

three MAX the HIV out this year and next year, so we can use the on the tax free dollars instead of using emerging. If you find that we have on hand of what it is, how much do you get your emergency fund, I'm so weak the way that we have six on what we consider six months worth, and we also have an we actually have another fund. We have enough in their because we had a large appliance thinking on, so we have money in their as well and how much you guys make it here. I'm just Last year we guy waves, and so the two of us were right under eighty reiterating honestly about If I were in your shoes, I would add that Hs eggs you guys are are to the point that you you're investing you have. No doubt you have an emergency fund and you can use that h, essay actually as an investment vehicle and action

MAX it out, but it, but what in so doing is roles in to basically and investments that you can keep to the fact that you can cash flow, this medical built six, six thousand dollars right. So you said you, ok,. There was sixty thousand dollars. We may have a different discussion, but regrettably, I think you guys have this. In your six month, emergency phone right, the check and just paid off pair pay, the medical. off and then get keep those I say dollars in there and to be able his eyes and investments that, instead of using it actually for specific medical purposes, that makes sense Well, ok, yeah an end. I mean that was my immediate reaction, but then, as I started thinking about the fact that its tax free dollars and weak look, he hasn't happened ages to actually go through with the next few months to do that, or do we just beyond it and say well done now, I hear you're totally and again. I think if your income was different, if the medical bills for a different matter, all of that may have changed that answer, but honestly, six grants, and I would do that-

you're ever House paid off here and dislike probably do three miles. I mean you guys are gonna, be an incredible So I, if I were you, I would just out using emergency funds or the money that you have not sinking fund to think either ones great and write the check and paid off and at one of the things that so interesting to as your in such a great position, Rebecca two people to do that. You worked so hard to get to baby steps sick. So this is a small setback. It may feel like it, but you're an agreed position to pay it right four for anyone. Looking right now, that's going! What does she talking about Asia say as an investment? Will you just explain that really briefly is. I think a lot of people may not know what you are describing. Yes, help savings account. Obviously you have, you can have cash in there to use for medical purposes, but if you don't touch it and don't actually use it for medical purposes, ends up basely flowing into an investment YAP growers have ever it yes vehicle, and if you work with our smart, MR prose, you can use that went that's what Winston I do. Some will pay medical, because our aims at seven pay medical just out of pocket,

so have insurance and allied adds, but we don't use. Are we have an essay, but we use it more for investment purposes. At this point and again, that's what I would recommend for Rebecca. that point, but not everyone, as you know, if you're right, if you, if you have an age, say and you need it for medical purposes in Euro, maybe some one to three than those great yet use its was therefore right. But if you dont have to touch it than its another great option for Psmith Wadding, that's good to remind people of because it's called a help. Savings account the assumption- and I thought this for years- was that it could only be used for that right and I just love that reminder, especially for those people that are in baby step for or after that it can be used differently, and so, if you dont have a smart rest or pro, if you don't have an investment professional, your corner, they can help break that down for you even further and explain why. But this is the goal all is to build wealth and that's one more way that you do it. So I love that love that example, art. Let's go to Fort Lauderdale floored out with Christian, hey Christian. How are you It has done great, what's goin on

on twenty one years old- I make about fifty five hundred dollars a month and still look at my mom. It's wonder you I'm embarrassed at three p m. If you don't think I should start investing a rock I re or if I should buy a house went somewhere lot. What will you do great. What do you do for a living, I work in marine industries, like our yachts call awesome here or how much you have safe. So far, I have about fifty thousand dollars saved, specifically for your down payment what I have to set aside for young? Was the buyer House YAP with bombs on turning twenty too soon? and I still live at home, and I think it's probably about time that I get out, but I also you know the way the market is right now everything is just crazy, expensive. My goal is to buy it this year and then everything spiked up YAP. Absolutely so christian

I don't think, there's a right or wrong here and proceed in time if you, if you disagree or agree- but you know a little bit of me, so yeah. If you have the money and if you know You're gonna, be in this area for longer than five years and real estate is something has come about next step of yeah we're going, I'm an investment and I'm gonna be here and then then, then you your baby set for after you by the house, and that is all possible. Yes, and I think that the market obviously is higher now and you know what you're getting yourself into, but all You're twenty one- and you may say tat- I made Fort Lauderdale. Now I may not be a twelve month. I dont know if you still feel it you're in a transitional season. I would rent rent for another year or two. It's not gonna kill you just to be lost but if you know your roots are planted there and you have the cash for a ten to twelve sit down payment and that's what you want to do. I think investing roles. That's great! yeah. I think you consider some of those variables because you, if you do I D rant. There's no shame in that. You may learn something about yourself living on your own. What you wanted a home just by renting six months or a year yet

You could go either way, actually benefits either way, but you got you got yourself a good spot christian while that reach up this is the reins he so what's up. This is John. Today, let's talk about getting a good night's sleep, it's important for your physical health, your mental health, your sanity, you name it and if you're, not sleeping good. The first question you need to ask yourself, as do I need a new mattress. Here's how you tell you're tossing and turning all night, could you can't get comfortable? Do you wear hot at night or in the morning. Does your back hurt? If you have. any of these issues. You may need a new mattress check out dream cloud. It's the mattress I own you'll love it. There currently running their biggest offer ever three hundred ninety nine dollars and accessories plus an additional two hundred and fifty dollar discount. Only for De Loney listeners, that's a total of

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I'm currently, a retail manager haven't been in it for very long, and I have mastered than about sure degree, music performer. Ah, there a lot of growth or payment, these opportunities at my current job and I'm onshore what a career path I can pursue, but the experience we have acquired with my degrees. Ah I'm looking for some a career advice, earth was back up a little bit? I wish our conclusions on the shoulder he gonna jump out. We can vote for and happened out. He is an amazing he walks people through on getting clear, but I, but I mean I've, learned a ton from Heaven. I know a bit myself about just enough ollinger your passionless back up a little bit. What did you want to do originally, when you pursued this music- Did you know I? I wanted to be a professor at college for music Am I learn very quickly? There may be for job the year with five hundred people going or the same job though, but am I wanted to be that the price

there- are lessons teacher? doing and then one called it happened. I went from maybe thirty student to five and wars very very evident that a very unstable until I teach on the side but I dont rely on that money anymore. I won't be so wide. I totally get what happened during covered. My question is an ear you're right about things be indifferent last year. But let me ask you this: why have you not it back up. Why have you not like Portugal and that fire? You know you can do it, you? U dont depend on, and I get that I get that, but I mean go and all and to build a backup, thirty students to to make this a substantial business. Why have you not gonna? Do you not think that the great question I think it might just be the fear of failure. it may be a very evident thing, but also I read

that I wanted to take the financial obligation off of my passion. Could they felt would relying on it to pay my bills. I wasn't enjoying anymore, so that makes them it dies. I'm curious is, would you say that's true all the time or just during the year of when it's not stable, meaning Let's go back to your pink of it when he that thirty students you're serving them you're adding value. Oh by the way you get a paycheck you're getting paid to do. The thing you loved to do was that an issue there Was it only when covert here and you started getting desperate and scared when your students were dropping off Joe in reflection on, I would see myself getting up into the lacking each day kind of driving at am. I had thirty students, but I didn t thirty every month there are always people dropping First thing to go: is that the former

people are financially struggling on again the year I was in how my ideal client, if that makes them my students or whoever I could get By now the student I do teach are excited and into it, and I wouldn't in a way students as long as they were my ideal client going now at that makes life. So if you could do that is at what you would want to do like. If you could build this business up hypothetically, if you could build up, you could have a full schedule, your earning good money, you're having fun. You got your ideal student. If you could do that again what you want to, I think so, but, to be honest, I feel like I've worked out, that passion But even contemplated in selling my my saxophone cause, I haven't touched it over a year and common bread throughout

music industry, like only termed of the academic died of the lack of passion I am not sure if it something I need to can you doing on this died with more stable, like ninety five job or if it's something I can pursue, I just did not hopeful that it would lend it felt profitable. Like my staving goals- and I can't help me get through all the baby's debt in a courtesy. I want to tell you something that I think could be a play here and you can correct me if I'm wrong, I may be off base year, but about had several calls like this and they all are from people that ran a business, a small businesses I business in the pandemic and because the pandemic they lost their clients and they had to close. And while things are open back up- and we don't have the restrictions we had back then and they could started again, they don't- and I don't think it's because

can't, because the world is not there, the clients another. I think it's because they ve been wounded and Curtis. When will we have a side business for small business? It's personal you're hurt it's you! It's your services. it's your past shut up. It's your guess that you're putting out and then even though, is a world wide pandemic that cause that to slow down and stop. It still feels personal and it fills wounding and all of us whenever we ve been wounded. We have a fighter flight response. and we want to tuck our telling go home. Go that at work. I guess I wasn't cut out for that. I don't I can't do that anymore and I just Curtis. I just want to be a person that says: if you want to do this again, you can, I think, if you got back into you would find that passion. I think if you could just yourself off for off from the heartbreak you experienced last year, which was absolutely no fault of yours, I'd like to add, if you could just yourself off and you could get back into it, I think you might

loving and I'm not saying that the only path for you I'm an actually have you stay on the line and have Jenna? Send you a copy of my book business boutique, which is a plan to start your business? If you want to look at that and since you will not be of, can coalmines knew but from paycheck to purpose, which is coming out in just a few weeks, and that's gonna, give you a very clear path for pursuing your next stage in your career. If you decide to go that route, you'll have both options at your fingertips. That, hopefully, will give you some set a path for clarity. Whichever route you decide to go, I just I just want to encourage you to consider the possible that there is still that fire in you. You ve just been hurt even hurt like a lot of business owners, and I want to touch her telling go home, but I think those students are still out there that needs you. Your target market students yeah that need what you have to offer absolutely ends it, and I think that there is any that you make. A great point is almost like this feeling of reject

and it lies, and someone says I can't, but you take it, that you, your gifting, your passion and some basis has no to you. no fault of your around the world shut down. All of its being used. or that twenty five times it doesn't? your spirit dies and so on, and so occurs I do I would I would I hope what Christie said just spoke life into you that if this is in your future that this does gonna give you this is to say: ok, you know what I do. I want to try again as I do love it, and it is something that I was I was really good at, and I think I could do it again, but also give you the freedom to hurt us that hey, maybe even though you have a music degree and music has been part of your life. Maybe there's something totally different. You want to do and that's the other aspect were saying so much now and twenty twenty one, is the amount of turnover. That's going on all over the country and can talks about this. That people are now are like k if I'm gonna jump into any of the new now's the time because it feels like

shifting. What am I wanted? Industries that you know were all the way down on the ground. Are gonna come back up again or other ones have been created and endorses this whole other fats whole new world out there and so to give you permission to her Dislike Christie said that hey, maybe you kind of Berlin maybe that's the it. Maybe that was a season of my life and now there's something totally different maybe not even in the music space, but I want to pursue and another thing that you love and making money doing that too. So I think you have a lot of options. Curtis for sure ends and it is hard to Know- and I don't know where you are financially used- to preserving the baby steps and so, depending on your debt level, your income? Your bills me all of that yeah. There is math and finances that come into play

That is a reality and so the kind of map that out say hey. Maybe for two years I put the music set aside and just bust my but doing something get myself in a firm foundation. Financially then, maybe even the stress comes off, and you know what a dream more going back into that music. United me like that, specifically what life we choices you get. Some creates this life create a life that you love, Kurdistan. What you get to decide- and I think to if you do- spend some time reflecting on the business rout or a different career out like we're talking about. If you choose the career out, you will know you chose that because it's right not because you're running from some type of objectives and our business. So I want you to revisit, even if it's just to give you competence that the career route is the right one. We're not gonna run from this rejection, we're gonna considerate and then make the best choice depending on what's right for you, I think, do either and I think you're in it gets spot, and hopefully those two books will give you some clarity about your direction. Thanks, recalling is, is the reins. Asia

Well, if you are like those people, you feel like you never have enough time to stick with your goals. You set goals in January. They are gone by March by the end of the year, you're wondering where those goals went altogether young. I gotta tell you one of my favorite tools to help you stick with your goals. All your long is my old plainer and our new twenty twenty two go. Plainer is here. It is available. You re here, yes! gone you to open up the unbuckling ass, primitive staff at Davos, beer of here's the thing- and I dont you say this as a marketing line- they literally cell, Rachel. They sell. I do they really. Can you really do you guys message me and because its dated no, we don't order war, and I we estimate the best that we can the order for the year. Typically, they sell out at the beginning of January last year they sold out in the beginning of December. So if you're thinking about getting this forget for someone go ahead and get it

shipping has been weird across the country go ahead, and yet so you have it. There's nothing. We're gonna make it my Christmas and then you don't have to worry selling out. This is where you put your plans on paper on purpose. I give you guys inspirational content every single month focusing on different areas of your lives of your life. You ve got journal questions for reflection, templates to help you put the stuff in practice and, of course you got your monthly counter, your weekly counter you're to do list and there's even areas for you to write down. taking care of yourself, your family. What you're grateful for its very intentional, like everything we put out, get your twenty twenty two goal plainer today at Ramsay solution: stock com- I promise you they do sell out. If you want one go and get it may be that you don't have the text the man saw. If it really is a beautiful, it's it's amazing. That's beautiful! It's amazing! so much and hear Christine. You know it ok, this is worth pointing out that this actually relates to one of the values that are teach, even if you set a goal

January things, I change in your life. I talk about this in a book. Take back your time so there's opportunities every single quarter, there's opportunities three times that year for you to check in and see if those goals are still right for you. So maybe in April you go hey. Are those goals right? Yes, amid a stick with I'm gettin remote evaded or maybe they need to change, and so it's incredibly intentional the great tool for you too not just manage your time, but actually stick with your goals twenty Twond. Did you go plainer at Ramsay solutions, dot, com, Rachel Crews- and I are here for you on Fun Friday. Taking your calls answering your questions, its triple eight, eight to five, five, two to five and we're gonna go to Philadelphia, Pennsylvania with Phil. I feel how are you I could new thanks so much ram. So, what's going on so much jack to deploy next year with the Army National Guard and as a result of this deployment, I'm gonna be having a pay cut and

absolutely thirty thousand dollars and on baby step to so my my feeling is that I should stores the money away for that time. For my family, while I'm gone, just there's not a drastic change, an income for them just wanted to hear what you guys had to say. Please yeah! What do you do now? I'm a therapist therapist com Some are felt thanks for your service and do not have he's and her brothers been out for five months now out in the Middle EAST? And it's just it's you guys, you guys and your families do a lot. So we were thank you so much for four years service see you guys are on baby cept too, and you're gonna be cut in Europe. Income will go down. Thirty thousand hours are how much when you are deployed, will you be making on projecting eighty five thousand

given its tax, free plus PH, plus my pay great yes, and how much that you guys have left. so we are just south over forty thousand and that debt is only before we start. Financial peace. We purchase the shore house and that's what's on that mortgage. Okay, so so neither consumer dad it's just the mortgage for the second houses that forty thousand years That's great, you guys are in you know when the forty thousand obviously is as a chunk, but but it's not like it's tons of car payments and credit cards in all this. You know over coming. I feel like that can be when there's multiple types of debt and all that you guys have really made progress and that this so yeah I mean I. I think that there is a level of comforts.

certain it you're gonna be gone for your family have a little bit more cushion than it does that baby step one, and so I'm I'm great if you guys want to save up a little bit of kind of a smaller emergency fund. Just for that, but also with eighty five thousand. I am encouraged by that number because I think you guys can still be chipping away at this. Forty thousand, even though you are overseas, and we ve had just so many it's pretty remarkable, but so many military families that will come in and do their debt free screaming. We'll talk about that. They were defined Lloyd, you don't even when they paid off the debt or you know they are working while their spouse was deployed, genetic that that's a part of their story, and so seeing that in hearing that I know it's possible for you guys to still continue on that day. We step too, and so it may give you all just a little bit peace of mind again. That's

Every volatile situation when you're deployed I now or I can only imagine I should say to have a little bit more of savings and I'm comfortable you guys doing that. But I still wants that intention and that intensity towards that. For grant, as you can still be chipping away, while why you're so deployed? When did you say, you're gonna be deployed. So be next year? Ballpark is false, about a year, oh about twelve months. Ok on on the track, your on right. Now, if you didn't set aside any extra for savings for what you're talking about when could you have that forty paid off Julia? my wife is credible discipline she's such an amazing person, and we are three girls and overlap with a view in March, and so we ve paid fifty thousand hours in debt since Morehouse you're gonna, get knocked out before you're gone, fail to you

I agree, but my wife understandably, this is our second deployment together, terribly cheese. She see on it you're out, and I just want to make her feel it. comfortable as possible yeah. I think one of the things that you could do as you can just continue to avoid this that, even if you want to save it up, save it up Once you have the forty just put it on that, get it knocked out, and then you could save a little extra. I think you're gonna get this knocked out and have some extra savings for her by the intensity that you guys have already shown, and I can't even imagine the amount of peace. That's gonna give her going into you being on. You don't have that payment and you got a little extra caution. You guys have done an awesome job. You can tell your gazelle intense and you're on the same page and gosh. It's just awesome of how you're looking out for her and considering her or her feeling good, stable, secure while you're gone so well done by six months. Summoned to your point Christine I- and I am glad you asked that that was thinking it's

not like you're in the next month or two. But, unlike you know, in six seven months you guys paid off fifty thousand dollars already. So I'm on board that you guys can knock it out and have the money saved. But that's all some absolute credible. It's gonna give me that peace amount you cause you're, just not you're, not gonna have that payment Hang it on her head and then and then anything else, your emergency fund or extra savings are Cushing like we're. Talking out is just bonus on top of that, and I think that would any time you're going through a major life changing we talk to you guys about this, whether you are expecting a baby or something's going on. You know, maybe a health crisis, something major. Yes, that should be considered in your your baby steps, but often sometimes just the fear of the unknown makes us feel like we need a totally changed course and we don't because in your case Phil, I think the plan that you're on isn't right glad that's right. It's the right time on there's not going to be any major, turns its it's interesting. It's not

It's not difficult circumstances. I think that overwhelm people, it's just the unknown, it's just the unknown you that somebody used this example for me one time, but you think about you, come up on traffic and if you got some are to be that can make you feel anxious, because how long organ emersonian traffic I'll know! But if you come up on traffic in there's a sign, a construction, the sun says traffic estimated white time. Seven minutes your fear goes down your anxiety. Go juncture. Ok, seven minutes! Yeah! I know exactly how long I can expect to be here, and so, when you're going through life change, it can feel like that scary unknown, but often you dont, have changed course is going to have to change the pace in your time on. Sometimes it's just sing on paper how it's going to continue to work in knowing hey I've just got to stay the course I can still do us yep thing, assistance, that's good and that that- and I think that's great- think that knowledge piece of that alone gives you that's wherever you can do to get that logical knowledge switch turned on help that emotion all kind of erratic here I can play on this very point. That's why we

you just put it on paper which can feed on paper on a budget on a plan. Will you could see it? You could do it gives you that sense of control and peace thanks for calling thanks again for your service bill this. Is the Ramses Shell. I'm pissed you right, Rachel, Cruze and I are taking your calls. Eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five Arizona with Kirsten, hey Kirsten. How are you

how are you, God? How can I help today? I hope we can. I am calling me because I need some advice on how to leave for you from some of them. but I had me, I'm a single mom, I'm not much of an old story. Kobe, alas, my hometown, fire but I moved to Phoenix Arizona. I can't have a new job, one thousand seven hundred and twenty five an hour about a hundred thousand dollars in dollars long. Carlo. I declare those Am I guess what I should do at this point. I thought about selling my car. I was offered thousand hours Bonnie ALARM at all about thirteen out of three thousand dollars on it

what does he do to have eliminated the oily drown? Em right now. I don't know what to do an Kristen, I'm so sorry, I'm so sorry I can t I can hear it and your voice, and and obviously your story, it's so difficult and being a mom

Well, as you have just one child like me, yeah. How old is she nine, nine? Okay, so greatly christen? I whites were ass. It is where what I find a lot of the times when we talk to people with really difficult situations, which I think we do a lot here empty solutions. There is a loss of hope that people have, and I feel like that's a common thread that we hear when people really feel like life is just kick them and kicked and kick them

in their down and they just think I dont, even I don't even know where to start. I don't know what to do so. I just first one encourage you that there is hope that, even though it feels hopeless- and it feels like this is gonna- be a never ending part of your story. This is going to end this. This debts, this exhaustion, this financial instability, it it is going to end Kristen, because you know, when you have the ability to ended, you have the ability to start making choices in decisions will talk about that here in the second to be able to have hope that your situation, as is, is going to look difference. So I want you to hear that, from from Christie and myself that we ve heard lots of situations and some very similar two years and the beautiful thing is

that we are able to make different choices day in and day out, to put us in a different positions. I want you to have. I want you to your pride. I feel it now you may not today, but I want you to start telling yourself that you're gonna be ok, you don't feel it. the current now be, as it's scary situation I just want you to know, there's hope. Ok, ok, Carson you what you ve done in your past, yeah you're gonna have to deal with because there's dollar amount, here associated with some decisions you ve made in the past, but you know what you are gonna, be able to create a plan and have the ability to walk through. That's where those past decisions no longer have to be the decisions you make in the present or in your future hum. But it's gonna be hard for me. A lot of work to me a lot of discipline, as can be good days, there's really bad days. It's gonna be a it's gonna, be a journey, but we want to walk you through that and help. You know one of the things that I think is going to help you in

process person and it certainly something that's gonna flip a switch overnight, but we ve gotta get your income up because you figure drowning not just because the debt is so big, but because the debt is big and the income is low right now, and so it feels like you're trying to catch a tight away with a tea cup, and you just can't- and so I want you to think about what are some things that you can do. temporarily in this season. Maybe a year to year, three years like for the short term and maybe at something, where you take another part time job, maybe you you work your way into a better job that pays more. Maybe maybe it's a combination of these things. Maybe you start a business on the side. I don't want that looks like for you, but we ve gotta get a bigger shovel to dig ourselves out of this mess, and that is going to give you a sense of confidence it's going to. reignite? That hope where you begin to chip away at it quicker and that momentum is going to actually fuel you making more progress, sticking with it.

Keeping you motivated and so right now it it feels hopeless, because that the progress is so small. So I want you to think about ways to do that. One of the things I would love to give you and when you, when we get off the phone here, you'll stand, Olano have Jenna, be sure to get this to you. Let's give you a year subscription to Ramsay Plus, which is our money classes, financial, peace, university. You watch these videos, it's not just gonna get you fired up. It's gonna show you step by step, how you are going to work your way through baby steps, how you're going to list your debts, smallest, two largest and dig yourself out of this. You can do it, and this is going to show you in depth how to do it much more than Rachel. Can I I can't even go into you know in our phone call. The other thing I'm gonna have Jenna give you is a live stream ticket to our business boutique event, it's this coming Thursday through Saturday September, fourteen through the sixteenth, and even if you don't want to start a business. What so beautiful about this event Kirsten is we spend a lot of time.

just injecting hope and people just talking about. You can do this and you will do this and it's gonna help you push past your fear. It may even spark an idea of how you could earn some extra income on this side when your daughter is in school after work hours when you, whatever that looks like you, can get creative to find multiple sources. We don't have to feel trapped by the one thousand, seven hundred and twenty five an hour. That's not our only source of hope. You are in control of moving some levers. and pushing things and getting creative and in may Combination of these things were talking about, so whenever we get to found will make sure that Jenna gets you here too Ramsay, plus to show you the money, steps and the money plan and then also alive stream ticket to the business booty conference, which you can watch all next weekend Tom, you can. You can watch it later, we'll make sure you get set up, wreak watch it later if its during your work hours, and that might just spark an idea of how you could earn extra money to pay this debt all faster. I think those two things will give you a sense of.

troll reignite that hope that we're talking about and show you step by step how you can do it was like what we were just talking about Rachel, the unknown is so scared. I don't know I'm gonna do it when you begin to lay on this plan, when you and to lay out this path Kirsten and you see how you can do it. It's going to fire you up and give you that sense of confidence and control. When you see it you know you can do it may be a long road and it may be a hard road, but you can do hard things Kirsten you're already doing the hard things. Your tough heart is not scary to you. It's the you're, really really talent. You can do this and I just out

give you one word of encouragement that affect any to say, my mom was a single mom and I remember her feeling really guilty when I was growing up that she felt like she was harming me by working hard long hours, taking me to her business back and forth, and the thing that I tell people today as a grown woman, almost forty years old myself, I say I just want you guys know I didn't make it despite the struggle I made it because of it. I am who I am because of my mother, in your child will be who she is because of you, because of how you fought for her, how your fighter and survivor and you will not give up and you will make away- and you are her- he wrote even if you don't feel like it right now, you're gonna get out of this. You are, you are you can work hard you already are. We just need to give you the steps in the plan to do it. I am we're here for you, so you call us back in. time Kirsten! Ok, you calls back any time for help abort resources. Thing we can do? Were genuine yeah

and on the technical money saw you in person. That's what's gonna that Ramsay plus it's gonna help. You create a budget to know exactly what bills are coming in, what casual you have from your paychecks wherever things going, their will. Praying have a level of control, because let me ask it: Have you have you lives just even on a monthly budget Alcide DE of you have you been consistent with knowing where your money is going. hey man, suddenly the bottom up and not yet a lot, and that's: ok! That's ok! And this again we can't deep dive into a right now miss Corbett. But where was a puzzle? Walk you through all that I'm tellin you Kristen those little just even tactical things. It is gonna help bring such clarity such clarity, but, like Christie said cursing, good mom you're. Your network is not yourself worth. This is not define who you are as up as old, as well as a woman as a person,

Value is so so huge person. Even though life has your heart and and I can hear it, but there is hope and you can do this- you're gonna get through, and I can't wait to hear from you when you do, you call us back and tell us your story. What to think pretty Sir James Childs Associated Research, Jenna Collector covers straight, approves and you America, this is the real referenda ram. Remember the needs of the laotian Ramsay advising there live. Let them know about the rams. You call the pod cash, it's a piece of advice about life and money under ten minutes check out the rams. We call the day podcast wherever you listen to vodka,

If you're looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel crucial upon guest from money expert. My daughter, Rachel crews, guises, Rachel crews and I'm so excited to tell you about. My party has a lot of you. Farlane paychecks pay check their end ass. They don't even know where to begin that they have this need. This want to get in control of their money, and if that's you, you have come to the right spot. So in Egypt, the cellular and get a time of inspiration and practical advice not subscribe to the Rachel crucial podcast makes review it tonight, you're more from the Ramsay network, including the Rachel crucial. Wherever you listen, depart, gush, hey it's Jane producer of the Ramsay show this