what is really solutions it. This is the ribs. You show us where we live. Your best live by me, healthy relation, successful, professionally, peaceful fighting, actually torment ridge, personality Vassiliou, others show all the rest were joined by George Camel soon be best selling early early stage. You manifesting, I am manifest, I'm here for research, Ramsay personality and hosting wildly popular podcast.

Our future and wine unless they documentary fine priority barging your dad, the bar future plug the precursor, so you have to I cast and then on top everything else. You are the host of the Audrey leadership August, one of the great leadership podcast in the countryside. George is laboratory myself busy we're together today, you're hurt is over and talk about you personal life because it is without a doubt. Twice with your financial life and professional life. So georgian I together. Take your calls. Here's how you do it stole free number, a number triple eight, eight to five five, too five triple eight eight to five five too five. Let's go. Sarah is up first in Philadelphia, Pennsylvania. Sarah. How can we help I have a question about. We financing mom. I was curious to know f you getting a lower monthly payments or less

time or less interest would be the best situation for refinancing student. Ok, It's an option: let's talk through the numbers here, how much she loves you haven't once the current interest rate. I have a hundred and sixteen thousand dollars and a private student loans and the entry. wait right now is four point: three, ok, have you look? two refinancing to see what your options would be and what the new interest rate would be yes, My option would be two percent two percent. So would go down a two percent. All right Would it extend the length of your payments answer right now: looking at twenty forty for this current thought, it would be. The army twenty forty five year, eggs who'd you reach out to

I reached out to a company called russian and they give looked through the market. For me ochre. I would I'll, try reaching to our friends a splash financial. Because here is what I want you to do. I want you to not have to pay to make this refined happen and I, like you obviously lower the interest rate, but I dont want to extend the repayment period possesses how they do. It then got well, will give you a lowering, straight, but you're gonna pay. Those do love for five extra years and interests is gonna crew and so I love that its lower interest rates you could not and half what you're gonna help as you attack these do. Loans, you're gonna, feel the progress of that, but I do think We wonder some more homework here and make sure that we get the best bang for our buck with this refinance situation, but it yes, The point I would do it if it costs nothing, and if you can get a shorter payment term lowered free all of those are good. Thanks, a reach out a splash financial, so

they say and then pursue a bird member refinancing, you just move in the debt arouse. We want to attack the steward loaned at attack the behaviour by the reef raising can't help as part of a process thanks for the cop. Georgia's talk just for a moment here, because this is a call we get on a regular basis, there's a trap here at you. You, specialise in helping people kind of avoid some traps, because there's an emotional appeal that she, been get somebody to enter there with her the emotional trap we gotta be careful because you're you're saying, if you like careful, you're, gonna pay to just move from one pile to another point. exactly the notional emotional trappers. You feel like you did something when you do something in your debt. Consolidation is eight some progress right. You take. That's any put him in one big, pile anymore: Well, all right, we made some progress, they are when in reality, you just me the pile around and you still haven't pile.

you're, not gonna, say what pilot is but one. Instead, we know what it is, and so I want to attack this. Our attack, the behavior, but I do think there is value occasions, and we we outline a lot of this. We want you to go out and frustrate. We don't want the repayment period to be extended and we were you too, with Stu lonely finance. You can often do it with no charge very homely. Financer closing cos you gotta, look at you know the analysis of when you can rely on that, so don't think they're they're always bad, but I do think it's It sounded the short cut. Do you think it is so what I am hearing from George possesses you. This describes you fastidious, oh Thank you! Your honor entirely dive and in their you'll be careful yeah, the devil. in the detail. That's the word of the day on the road and today for studious doesn't have a little. The graphics team will come to see. We give you a little extra. We gave you practical vice and in a word to pressure France, can you impress me well. Thank you. George appreciate all right. Look

go to Linda Next in Akron, Ohio, Linda hug oil, unlike what you do with it, when he saw the ballast. At present we have left my most good checking out. He had killed the keys, all three five years. I am, I dont, know the money, and we have to find this both be every month the only on our home. I wonder which are some of the you just your phone a little bit. We want to try to build a here. You a little bit better, let's try some ok, Is it better? Yes, ok keep go up when he came in the bank- and husband, cancer. I hate to hear that I'm so sorry, I dont know what to do with it because he's not an investor I used to help people with investing years ago, you didn't do all that.

but anyway, I dont know what to do with money. At this point, as I believe that the Czech eight, how in my son, has occurred to me to be not do that, but I dont know what to do with it Well, I don't know where to add. As every month we have exploited as this point, because We all agree on. So you say you're on your own right now, we're still You o on the home. Ok, do you have any other dead other than your mortgage? Now? Ok and you emergency fund in place or that twenty thousand, that's everything that you have. Now we do have an emergency fights and place. Do you have three to six months worth of expenses? I would take three. Ok, So we ve got three months of expenses and other than that you get twenty grand sitting and checking account and you're gonna. there's something better. We could be doing with this. Yes, because the banks are, he called the sad because they didn't feel we should leave it and there is the justice bathing. Ok,

Well, what's here, what's your retirement look like how much of you guys have saved for retirement, we had nothing else, no return. whatsoever, it's been exhausted of the years. You ve used it in your retirement age and in with his health, you think I'm guessing that just got wiped out. Yes, and I can't work either What sounds like we need. Did we need to save this money because you don't have much too to live. of something goes wrong. You get you guys having come still, yes He has a pension and they don't have. What is that all add up I'm thinking thirty eight hundred dollars and light

wasn't that while I one hundred you like the rapid growth of three thousand a year for about fifty three thousand, ok you're able to live, I would recommend putting this in a high yield. Savings account for right now and let it grow just a little bit but connect with the small investor pro you gotta start investing. This money can grow. If you live another twenty years, you can have a whole bunch of money. If you invest wisely this point, but were ruined for Yolanda sorry, to hear about your husband, hang on the line, Lindorm can reduce risk. Kelly connect you to one of our smartness reproach warmer financial coach is free for us sort out this marvellous, appropriate funding of coach and have them coach you well, but what you need to do here they help this is there is no matter what time of year it is focusing on your family's financial plan is always you're, smart move. I get questions all the time about where to start what to do. First, one of the most crucial and affordable first steps to take is to protect your family and Gatt term. Life ensure

I know it's not glamorous, but all the other steps mean a lot less or something happens to you and your family has no financial protection getting term life insurance needs to be a top priority. I recommend ten to twelve times your income and lock in rates for fifteen to twenty years. This gives you plenty of time to get out of bed and bill wealth. I've been commending Zander Insurance for over twenty years and they understand and live this strategy and will take the time to help you find the most affordable term life rates, gotta Zander, dot com or call eight hundred three five, six, forty to eighty two: it

not that expensive. It's not complicated and you need to do it now. Welcome back America, you are joining the conversation here are the Ramsay show. I could call a joy by my colleague, George Camel we're here for you, the showers free phone call triple eight eight to five five two to five over the last thirty years. Ramsay solutions is walk with tens of thousands on the railways, help them overcome financial, stress: we failed Money stress is just one of all all kinds of ways we sperience stress people's struggle was dressing saudi loneliness. All at the same time, we all have some sort of crazy in our family. we have all had lies, told do us by well meaning people or by not so well meaning people on the list of hurts just piles up. Unfortunately,

You can't change your password. Can change your future and hear some good news. Our colleague Doktor John DOE, we as a new book called your past change. Your future. Where he's gonna walk you through a not so complex approach, relationships, mental health and wellness through personal experiences at his research education, Doktor Maloney, shows all of us have transformed hurt into healing and move from hopelessness to hopeful none, hopefulness and doctrinal on his books. Before pre ordered today, it's called own your past change. Your future Show you how to deal with all different of trauma how to get connected to a community and so much more. Here's why you the pre order today, you're gonna get free bonus items, including a one month a free one. I want therapy with better help, so pretty your copy of own, your past change your future for all twenty dollars rarely solutions, dot com. Today,

all right, let's go to shade and shade is joining us in Wisconsin Shadrack oil. I saw I M trying to disputes on deck. I've called collections, aging key and renegotiated a try. But I'm wondering how I've I've heard that we can do this, but I was one If I should get it, how did it in writing but or paying arch, do I have to pay before they would take it off the credit report. I'll get him! first, because what you don't want to happen as you pay it and they go well, that's that's not all of it and you go away. You told me over the over phone and there's no records of it, so get it either by sea while physical mail or coordinate a and then in pay that dead. What was the settled amount? like two thousand two hundred, and what was the original, that you owed twenty seven? Ok, so they knocked out five hundred

if you paid in full gonna thing here, ok well, too Epps here. Do not give them access to your checking account and don't send them a personal check, So if you do that, need they ve agreed on it, I mean make sure you get in writing. First before you pay today. What do they say just over the phone? They said this. Yes, they also just I that I wanted it in writing, but these? But they don't do that like us, they just don't do it, but I would have to pay first and then they could. and it s like the sound of this. I mean it cannot even send you an email verifying this. I didn't ask that they call back until I came out. I've watched you guys in a thirty day. I talked might, but naturally I just stopped. Well, you tell him hey love to give you money, but I'm not gonna. Do it until you send me an email, verifying the amount I'm here

to give you the money, here's the thing they want the money and so at some point, they're going to urging go all right here. It is in writing. Ok downward hold hold firm on that. You know when they say things like a. We don't do that go with great. I dont. Do you want me to do make haste that makes two of us advocate for yourself. Don't let them bully around and sounds like you, you ve done! already just by negotiate, which is great good for you at work, appreciate the call or eat up next is Eric in Colombia, South Carolina Erika oil. Area. We are having a blast. What do you do Question about I'm dead I started missing you guys and Dave about a month ago and my grandfather and my father very big changes. You guys nowadays Salem also listened to what you end up in the past on job democratic order.

And then I'm trying to get out of a car loan and another use. Our market is obviously the hot right now, but every time I go to different dealership be valued. She had to go backwards instead of forward The question is: how do I get a car alone that I'm in negative sir I doubt on this thing: what's the alone amount? What are you dollar whoa? What kind of cars is the truck? it's out each you seven. Why what year? two thousand and eighteen twenty eighteen l out how many miles six fifty Five thousand and what They say they give give you for it, but the dealership so we went to one alone. Like three weeks ago I was at forty thousand the trade in order that it gave them back yesterday

than the thirty eight or why we do in real life and another one. What about for what it is going to pay the difference. ok, but I'm saying what, if you didn't, do a trade and what, if you just sold it privately, let's say: how much can you get for it. Although you forty five or so, because it always gonna, give you less for the trade in a mountain, so I'm gonna do some. Some will allow more research. Have you checked Carven on room and some of these on line companies. No, I'm sure that's a reasonable climax. He doesn't have to George cause. I've done it right here are itinerary. Talking, okay, I pulled up buddy syllable search Edmunds is one sorcerers, many sourcing fan in the Columbia South Carolina area. Got arrange here. You said you think you ve got fifty five thousand, not a hundred percent sure We get one q, seven here that scud sixty one thousand miles on thirty, eight, nine, ninety you ve got another wanted the sea while one fifty three get forty,

two thousand miles long, so they're asking a fifty three four for this suggestion, a quick quick Serbia, here's another one, forty five thousand, miles forty four nights. I know it's a little bit less miles in what you ve got here, but I think Georgia's right, private market is what I'd be. Looking at them How much money do you have Eric to savings working? now, six thousand out of everything. Ok, you got six grand, but just paid They also signal knowledge and credit. Awesome, see paid off thousand and you have six thousand in the bank. Could awesome? Well, that's a great place to be cause. You're, gonna, o the difference. If you went hold it in order to get out alone, Bert so the lad. you have some money is great So what I'm doing? I'm gonna get top dollar four for that out and then whatever money you need to pay the difference. You pay the difference in college, stupid tax and move on with your life, and then you, obviously the car, so my home

Is that correct? Let's say you can you owe me three grand difference to pay off alone. step three grand left so when a sock away, a thousand for the emergency fund and I'm gonna get the job? He is car that is the opposite of the car you're driving right now and you are dr that until you can save up enough money to upgrade to four thousand dollar car and you can sell what to do the same thing and eventually going to trade up to where you have a decent car and then one day you can have an amazing car, but right now we ve got focus on getting this pilot debt and get you off funded emergency fund, and get your investing so that you have some control on a future Eric. You can do cancer? You, sir, I mean that gonna feel to get that off your shoulders all debt, even those following how's it going to feel like but my shoulders come on man. What's your income Eric. seventy two thousand o every girl. You can save money. Any said. That's your only debt left is the car

this budget and also that on urgency at the mortgage pattern that you consider mortgage other. Nor does it also, and you're gonna be in good shape. Once we get outta this carbon, do your research on Czech and everywhere I go in private sail on Facebook and Craig listen, autos writer, chicken room and carbonic seen who's. Gonna pay me the most money, and now is the time to do yeah earlier we are seen reports of car you factors getting angry at dealers. This was a major headline over last weekend because dealers are selling cars for food five, six, seven thousand hours above him ass. I hear at an end one negative of this kind of bloated kind of inflation driven market on autumn. In the auto industry bud

we also see in high value for used cars now's the time to do this. If you're upside down now's the time round the reality plan, it's a great time to get at your card, it really is hate. Thank you so much for the call Eric. I don't go anywhere. You gotta question about your income year: you're, bigger shovel, hey I'm here for you today towards getting into a funny questions procedure, be weathers. Don't move! Come up more of the ribs show, Welcome Pang Ramsay, show common joined by my colleague, George Camel we're here for you, this our travel. Eighty, two five, five two to five joining us in the lobby of Ramsay solutions, is Kimberly

Kimberly, Yoda Debt free stage hi? How are you great thanks, So I guess you're here to do that free screen. I am all right where you come in from our about an hour north of Philadelphia. Pennsylvania. Ok, are I give us the details? How much did you pay off? One hundred a thousand two hundred thirty dollars and sixty seven cents? How, while is awesome? How long did it take thirty four months? Thirty, four months, ok, what was your range of income started? It five and ended at seventy. Three. Ok right- you do further, I'm up manager O Louis what industry I wasn't automotive aftermarket fur, almost seven years, and I just transitioned over to energy company to mix batteries. Oh great will fantastic Ok, so give us a run down. What was the hundred three thousand dollars worth of debt? I had about fifteen thousand six hundred in a car put it on a cell phone. sixty six hundred on a credit card,

seventeen hundred dollars to my school when you three hundred on a personal loan, thousand, four hundred and student loans and twenty five thousand in my mortgage? Just so all pretty more of what one way to say. Why does George? She just drop. word. The board you pay, of your house. I did there see. So all the debt was normal, but now you're super weird cause. You don't have a housewife and superwomen, oh my goodness. Yes, that is amazing nest. I believe it myself. How did you just you had this whole mass knew what you know, what on top of that we're gonna get rid of the mortgage to while you're at it Well, but all in baby, you are against seriously intense yourself Initially I guess this is really my second every spring cause. I paid up all my consumer that around July of twenty twenty and then I'm sorry

but the US twenty twenty I'm confused about the pandemic, sure am and then I bought my house about a month and a half afterwards soaker cells, so you you just are always gold for that is so amazing wanted. The housework actually it's a mobile home. Ok! So probably what I paid for it. I had a little renovation into it, but is really Spencer. Where I live. So I had moved back home with my parents for about ten months than the pandemic Knowest, whose name bring with them, but it was too crowded and I was looking at going. I'm running an apartment again and in I'd be lucky if I could find something for fifteen seventeen hundred dollars, virtue erode our apartment, so an opportunity came out fur meta by I'm alone, and I paid less than twenty five thousand part. So you don't owe a nickel. Now I don't wanna, go onto a great art. Now tell us what happened. Thirty, four ago, when you work, I you said I'm done with dead yourself, I was very normal. I thought I had everything under control. I was young,

making ends meet and paying on my bills and my girlfriend suggested at church that we go to financial peace, and I was like I'm gonna pay for that link so hundred dollars I gotta eat or whatever and she's like just do it. So, I did and I went and it was his eye opening for me. I really didn't think It was possible I figured I was gonna have my student loans until I was dead and I really just hunker down and got to it and in our body made fun of me. They still do sometimes you now. They think it's crazy. I don't have credit cards really. What is it? What Gimme gimme of insult? If you handle resale or would they say to you, I don't know, is necessarily an insult, but I know a friend of mine wanted me to go out for a birthday and another friend, a different Brennan was also she's, also honour debt free journey, and they the ghettos really expensive. Like fancy restaurant and my other friends who is on my debt free journey with us, we said: ok, we'll go but heard

frozen pizzas at home and set a birthday party dinner and might wearing like a really small appetizer in shared it and then like had like one or two during somewhere, like airy or out cell,

can, I just say no is really hard, especially with my kids. You know they're, like Dave Ramsay Budget in our city. I suppose it was really tough, but three years there was worth the sacrifice, Sanum, and I think you guys have some pictures. Some like we went to Disney in October and I paid for Thou ninety percent cash. We saw how about the there is. Is it that the best a debt free picture in front of the castle? The outer that happy model? No doubt came home with you, just move the best way to do it. I am an and when we were in financial peace, I remember we had the plastic to me. Russian and I had. I had got divorced in two thousand fifteen and saw a single mom and I was really concerned about. You know what am I gonna do so pretty much anyone. It gave me a credit card, I was taking it,

because I was just afraid of the unknown, so you now, the bank was like hey. Ten thousand critic heard are now here's another one for eight at one point, I think I'd like ninety thousand dollars and open credit- woe but it was used. It wasn't united rack amount, but I just that was my security net and my safety and so had the plastic to me. I cut up fourteen credit cards while which I had the most of my class. I thought that was like normal. Apparently I was actually Eleanor's or they look how many more you have lady there all night. Yes, so actually I brought a picture that is well sell. They sit on my they sit on my desk at home, my just a reminder to never use them again, while so powerful What was the hardest want to cut up was the one those like sentimental? Do you usually is one that I did I don't really have. One was sentimental, it was just more of like as soon as there is all the ones that already has zero balances. Those are super easy for me to cut off. It was just getting there. You know I had this back and every time I'd pay one off I'd in I'll cut that one

added to the pile cell, though: sitting on top. That's that's the last one that was kind of. I mean one that I used. It was just a pretty generic one, but you don't catch back points so that its right to tell you that any that twenty five dollars on the hoof applied to the bill. So what do you say to people litter? Why Jeanne listening today and they're gone. ok I get it, but I don't know if I can do it what's the key to crossing this finnish everybody who says the budget, so I mean obviously that's number one but being able to sacrifice and saying now is probably the the hardest on, and if you can do that and realise that it short term you know really anything is possible- is actually telling cat here that I was on my way here last night and there is a lady in the sea behind me on airplane and she said, how she is complaining. I dont have a pair of my student loans. I don't I'm gonna pay for this. I want to buy a house all this stuff and I turned around a set of thirty dont mean to eavesdrop, but have you heard of De Ramsay, so United,

listening. Everybody's Jeffrey screams was really inspiring to me and I listen. He dies every day, so I have a nice long commuter works. I listen in the car I visited on one and a half speed. So you don't seem like you're talking, really slow right now, but we must be able to operate without onto that. So far, the guys you go with you get your boys. Are the rectangle you over there yet so I have my two sons, so this is my eldest son Alexander he's twelve, and this little guy here is Dexter and he's ten. Oh, my goodness, I have been practice in their screen. They don't want to scream. Oh, I get it very cool there. Aren't you gonna say to our global or they hurry cool. I get the information being that cool there I can now. I was never that call their camera shy an average does so they they ve been following this journey with you, mom ere. They they get it. They get. How big of a deal is as yet state I will ask sometimes aren't the star? Is it in the budget? Can be good, thou, that's right, mentality,

gonna, be ok and you ve changed your family tree and I'm sure you ve inspired a lot of other single moms out there who feel this weight of I've. Gotta do all this on my own and all money staff and I've got all this debt. How am I gonna get through the next week the next month and you are living proof that can be done? It can be done. Yes, hey sacrifice the big, where you're a hero, to do this as a single mom, it's hard enough to do it with support to do it that way. You're such a hero to us tore off. to those two handsome young men there are, we get things. We want to give you because you have earned these gives one is a copy of David Total money make over for you to give to somebody else. Dead, lady, maybe on the play? Maybe you'll come in contact with the lady of the plane, go back and then, of course, you're on your way to being a baby steps. Millionaires Dave latest book number one best, seller, babysits milliners really give that to you as well, so all right, ready to do this there, Sir kind. Already there cool, but Mamma is awesome. Here we go Kimberly paid off

three thousand dollars in thirty four months, making sixty five to seventy three thousand dollars, let's hear your debt free screen, three To you one and that there are some idea of what they were completely unfazed yeah. Well, they don't even now. I remember they do, but the legacies change forever that that mom left for the house and everything foam on believable. She is a hero, those so great hey. She did it. You can do it as well. Don't move more of the ridge, show common write, em,

Welcome back America, you are joining the conversation here. Ramsay show. We hope you win. Relational professional frighteningly, Ip Poland joined by Michael Hosting League George came all the folks. I George I'm very excited to share this There was a a help wanted sign. If you will there viral several days ago, ok- and I share so the king COBRA, show and either so much goodness in this, and so we wanted to share in here today. panics, whereas you ve ever been dependence area, you'll like it here. I can't there now that I'm gluten free, but it was delicious back when I got a great fast food railways and fear is good. Ok! So

panics work for our viewing always refer this sign up on the screen here for listening audience, I want to read to you of for this I do we have that guy's. If we don't have it, ok, we'll get it up at a SEC. Ok! So basically this, This is a particular sign. I'm assuming this is across the country, but the The places happened was that a to express in Utah and so the store they had a sign and be the sign, was titled, inspiring, better lives and the job. had called for general managers, assistant managers, service and kitchen team members. Ok, for the general manager role. the sign listed that the total put your annual compensation or earnings at this risk. would be sixty nine thousand dollars a year plus a bonus. And, in the other, a post of average, how's going rate between fifty the twenty dollars an hour for the other positions

the assistant manager, salary role. It also included bonuses, then the ad included. We will offer us Benefits in including medical, dental insurance, paid sick leave, paid vacant, and George Afore one K company match how now that is a really really nice bundle. Now the thing went viral, because a lot who college professor a marketer uses day, because this dude got lit up. He got upon social media, because this is He tweeted he tweeted. sure of the sign that we are talking about, George, and he said my salary- is an associate professor of mathematics at Westminster. College three blocks away from this sign is sixty thousand. Five hundred dollars guy. and does so people just started coming after so then he does a follow up message, which George is never good idea Now you don't learn. Side wants the hounds start attacking on social media is probably best. Judges go quiet. He

I was up and says I promise that this tweet not elitist, but anyway using because my mentions are now unusable, go hug. We're going to cater. Then he goes on to say, appointed the tweet professors make way less than you think they do. That's all. Well, he just got there's the sign, hardly elders, the guy music is day, but he got lit up Georgia largely had a little bit of support, but largely people like hey, do what's your problem, you're, the one chose to be a professor. This is panda Express now, a couple of eggs I think the professor understands the free market. The economy is so, and express their executive. They get to decide, and they will decide based on profits. What they believe can pay to bring in leadership a butt one thing I want to know what you get you away in, but here's one thing I wanted to say what I applaud pinned express for. Is that they showed a ladder, for people they didn't

this poster job. They said Spiralling better lives now later so but you wanna be working for a place. That is think that they're, not just giving you a paycheck but they're gonna help you in your life, medical insurance, dental insurance, paid, sick leave and vacation to foreign K. That you know to go work it pant express. Maybe some people look down that, but the reality is you can lead as a general manager as a systematic do very well. The other you're auto many layers in this tiramisu can there's a lot going on here because on one hand, guys angry at higher education. That's really what see saint I'm a professor. He has a Phd distinct luxury, making a lot more than a manager at a fast food joint, but then that points to a different issue. the way in which we see work and how see, different industries would go well. The fast food business that business. That's beneath me, see. That's the issue and

it's another layer to this, too, is he's gone, why more important than a guy who's workin, the fast food, and so what I want is for people to stop pooping any work. because all work has honour and it has dignity and it brings value to people, and so that's a huge reason. Why were not seeing more people go into trades because is a stigma around a lot of stuff you, if you're on, ecology, don't get a phd you're, not gonna have a great life, and here we are a guy who can be manager. Panda express with no degree is making more than a guy with a phd down the road, all the education, so there's so many pieces to this. It's hard to just pinpoint one that's wrong. With this picture, you how I love the story, because I think it highlights the fact that there is, as you said there This status that is attached to certain jobs and the reality is, is you can go and the trades and make a hole. more than a professor and eventually start your own company in that trade in higher other people, and you are an entrepreneur, you're, a business owner and, I think, how to get to the point where parents

serious play out on social media and you gotta go. You know what, if someone loves leading people we ve always lie leading coaching you're going to pay expressing coach a whole team do very, very well in May yourself up the ladder. You know you and I if no of cat call an executive who started out as a waitress and became an executive vote of a conglomerate of restaurants. It is possible still in America to climb the latter. Absolutely in you, you do this work every day. Helping people understand value and the meaning that they have in their work and that you can make money doing it, regardless of what it is, but a lot of people. They either go to a certain job because of the money and then their miserable and calling your show or they They find similar love. But then I don't know how to make money doing it and we can help them navigate that too. But what I'm big of seeing. Is all these people going? Well, if you're, not in this industry. You know I'm above that, because I have this fancy degree, and so but there's a lot of eggs going on here in the fashion space, so across all generations everyone's up

at about something, but we are trying to do- is go hey. Let's clear all this, if you're done some that you love to do ass, respectable the mark, place values this and they give you money. Do it there are such honour and that I think we need to get back to as a society like a man in the way spousal people there very much valued in my life, the mechanics and the plumbers and all the people. My community do such good work every single day. There are not it's me, I'm not above them just because the field, I manner the degrees that I have I dont have, and so then we need to get back. To that where we can all disrespect each other in the fact that we show up every day and do work that matters and You know it's really true that if you of leading people. And let's say you got laid off during the pandemic: ok and a bunch of management experience which are having a hard time breakin it pin expressing her you that fast but are you willing to swallow whatever pride baby associated withering away? Second outcome is a general manager start just below seventy? dollars and the reality is you have a chance to move up and

You know, listen for those red that are engaged in the show because of the financial stress in your life again David said for years and years and years, your number one wealth billing tool is your income income and right now is one of the hottest job markets. We ever had a beard. Be over the next couple. Will it will help you tonight right now One thing I want to offer the people George Lot, people me permission to leave. Mission to should I quit my job there looking the kind of feeling they should and their Phil. I could I go courts financially, answer's, no, not a few land, a better paid job, baby steps, don't stop for one second, so lonely up! I want to up a free resource. We have at kin Madame Comp, Randy Solutions, the big website, can cobler come search? Should I quit my job quiz, it's free six about three minutes. Should I quit my job with if you you're for that nudge to go. Should I do This is a quiz three minutes. Twenty questions. It's gonna give you report aware you land and up there

free weapon are based on a result that will help you may this decision with confidence and it can help the spell those fears and the unknowns of what? If I do and what happens in Just need clarity to step into that. Next, that remember, we want you to quit and interrupt your income we only want you to quit to a better gig that has the money in the meaning it looking for the help you get to those baby steps faster, more income, I bring in a quicker. I get that budget under control that in flux in calm, allows me to move faster through the baby steps, so I'll check it out. did I quit my job. Quiz can cover

or you can arrange solutions, archologist type it should. I quit my job was a George had stuff at Rio, but I'm get hungry and are you hungry our all demand expressed on there? It is thanks for joining me, hey. I want to thank our team in the booth back there. They do to credible job appreciate. You also very much want to thank you. Our audience for joint as it is all about you, it is your show, is the re I have a friend or family member, the needs of daily dose of Ramsay advised in their life. Let them know about the rams. We call the day pod cash, it's a piece of advice about life and money in under ten minutes check out the Ramsay call of the Bay podcast wherever you listen about. America has a one point: seven trillion dollar student alone crisis and it's out of control. We produced a documentary called borrowed future where we uncover the underbelly of the predatory student loan industry and show you what you can do about it. It will inspire you to see that it is possible to avoid student loans in graduate college that free GO watch borrowed future on streaming platforms or a borrowed future dotcom AIDS, James producer of the Rams issue. This episode is over the check,