For the headquarters of Wednesday solutions. Broadcasting from the dollar car rental studio seems today, Ramsay Show where America hangs out to have a conversation about your life, your money My name is Anthony. Only ok hosting today with me, is the one and only got the job and allowing the future. You too, STAR of America. This guy will be launching case brand new talk, show the John DOE Loney show

here in a beautiful, beautiful, United States of America and I'm encouraging every one right now that, if you are in need of honest, just wise counsel, around mental health relationships, marriage, stuff, kids, stuff, all the stuff saunas stuff, all the stars, they can give. You will call- you will help them out? That's right. You can email me at asked. John Ramsay solutions, dot com leave your number. Is going on in your life today. Reach out, and we Have you on the show. You can also call never message it eight for food. Six nine, three, thirty, two He was looking forward to it. How you are recorded a cobbler chosen, Jane Kelly are Europe, produces an associate, produces really helping you out. So you have some Vets Party feel man that you are about to enter into this space and everyone talks about doktor feel, but I do think that feel has

thing on Doktor John he's got a thing or two. Is that a couple of jets on me? It's cool man, public ass, any got Oprah, but you got Dave. I do have a low level about just amber, but you got Dave. So it's good man. That guy and a quiet guy, play loud on on the radio here, but I'm I'm an introvert man, I'm usually pretty quiet carbon nerd, and so this is stretching me means of uncomfortable positions, but man the the shows that we recorded so far fun. They are jobs. Serious in heavy there everything in between we got marriage challenges. We ve got parent challenges mental health issues. We got it all, and people are sitting in some extraordinary things remain vulnerable to be an open. Just show me man, people are hurt and they don't know what to do next. There are confused and lost in just so much misinformation and nonsense out their Anthony. You know this, and so I will cut through

having a good time together in them. I'm excited to get the show out into the world and are one of the things. I love that you and myself were now scare to talk by pretty much anything right. You know sometimes our team. To tell us how we burn. I can talk about the fact that competition is very good, that headlines in science room says the rocket yeah you make it buddy limit, weird right now, so he saw excited to see excited not just when see you win but see help. Millions of people appreciate

praying for. They fear support. You ve been a great teacher and meant, or so far as I'm trying to figure out what the world on doing here this to a man hey again, if you have a question for Doktor John glad it you mail him at asked, John at rammed solution, dot com or leave from a voicemail eight for four six. Nine three, three two nine one hour deftly encourage you to follow him: a social media at John D, lonely on em, all the social media platforms. Instagram you to Facebook and Don T, just like myself, you guys I'm he will answer pretty much. The majority of the Instagram comments he reason Like me, I'm not really. My instagram com is right now because a way it always was about that later, but he will love to have a conversation with you and I will love for you to give it given the carcass he'll, give you some wise, wise counsel, but you know what you're helping millions I'm helping millions. This help one more right now he's got SALT Lake City Utah and have a conversation here with Billina Alina good afternoon. How can doubt the day- and I hope, hurry- why

I'm a question in regard to investing for my children. Eater, really you want to make the right choice children are really young by employment, I'll take you to hold you know, Whaley, young, and so do you have the potential to grow lots of money. We have a little bit say through them right now, but if it's just sitting in a savings account and I'd like to ground, we might have been how'd you like about five twenty nine but were not convinced that our children will attend college. I have, higher education agreed. My husband is working on higher education agreed, but it then an extremely strenuous for him and we would like our children, choose not to give classical university based education, we'd like to have that freedom port famine, what that decision may be. I also

and a lot, I'm a planner, and so that there is a risk with my children being so young a lot can happen in the next sixteen to twenty years. They might have an accident. They might not be here. Something could happen to where they aren't able. Returned the higher education or whatever that may be, and so I dont want to invest in the five twenty nine.

Something happened and then me you're, a graphic making that choice when I could have put it for more often have a more exact of all prevent hit. Here's the thing and the mass. It is question because I can t to put this morning to Iraq array new grow right, but then you miss out on some into benefits. Accounts would have thought if they go to college. So my advice to you is, I'm going to say: do baby steps, five, which is going ahead and put that into a five twenty nine so that we can grow lit a bit more and if they go off the college, it a best benefit you. Now it doesn't go towards just a traditional for you Marty. You can pretty much use after about any type of credited college experience and you use effort any children, it sounds like. Will you and your husband be telling them they do not need to go to college

or do you just want to have the opportunity to hear of your kid say: hey MOM dead. I don't want to go to college. I want to just go straight into the workforce and you want to be able to cut them. A check is. Is that what I am hearing or you're saying I don't know, what's going to happen and under China, be a protectionist and judges plan for ever happens. Probably the latter only definitely encourage our children to go to college men had been works, kind of it this job, and I have not only in disease. Fill the face of our own mortality is very present in my life, and so am I don't want them to have. I don't want them to feel like they have to go to college, and I don't necessarily planter white and check if, but we do want to support them in their endeavours. If they want to

HU, a training school or if they, if they decide, they don't wanna, go to college and they want to start a family we'd like to help them? the avenue of lady pretty doing or paying off their debt if they get unfilled when a little bit of trouble yeah. Well, I'm here from you in is that you're really trying to figure it out there. Every single move- and I think right now what you have to do, the best parts you can do just go ahead and open up a five hundred and twenty nine and invest into

Ok, because you saying that you're gonna incursion go to school. I believe education is important. I believe everyone should get some form of education where there s a tradition of warriors school, going to a community college going to a tray school going into the military going off to college. I now believe education is very important. So for me on what I recommend that you go and had opened up a five twenty nine. You encourage it gives you get some form of education and that fog, twenty nine will not arrive. That's what I recommend and ask for a written with all your other American don't play in every single move. Can is there lie, but do you

part by helping them to be given a wise counsel and have a bit of money. They say it's at every inch where we all have enough on our plates right. The last thing we need is to not get a good night's sleep like about how effect if you're gonna be during the day. If you can't even think clearly, because you didn't actually arrest- that's other regions, I've been recommending, tuft and needle my family has their mattresses and they start as low as three hundred fifty dollars blush and try it out. One hundred nights risk free go to tee and odd Gamba figures out. They ship to your door for free that

tea in dot com going out to a few of us here. Nashville Tennessee will have a conversation here with Melinda Belinda good afternoon. How can doubt the dna help yes, sir, I have a question I had before covered and held a large credit card debt by eleven thousand dollars. I was planning on. I note the nano giving money out of my mutual funds for going to pay. For No, the outdone another weapon began and then the stock market went to the bottom of the boat so I waited I had been making payments, they have sold the debt to credit company and the market come up. I got the money out and lay the cinema check, but my question is: I got a call from the company that bought the debt and said they would settle

thousand eleven thousand now should pay eleven thousand tomb take them up and what they have in writing a letter saying they would take the six thousand so here's the says you ve already taken a money out. I mean I'm not to have an answer to the money. I u feature, but I haven't used credit card number two years and it was just like us. The thing I can do. I can't get ahead. Someone did it get overwhelmed and never get myself net situation again, and I love the federal German with an ambulance out a lot of it. Your aggressive in you, like your God, I don't want this item. What this over my life is solicitous help where you are now, but the January we're not going to tell you to cash out you for one Kay

pay debt. But since you have yes I will you have two options. You can pay the full balance if you wanna painful balance, but you can also subtly, since is already in the collections agency, most clear, nay, to see, has purchased to the credit card dead. Already purchase it actually for like ten cents on the dollar is very, very cheap, and so six thousand dollars is starting number. You can actually negotiate that a little bit lower and I'm saying that because my first job was collective, and so we will go sometimes, as though is thirty cents, forty cents on the dollar. One of tricks is, if you call them today, I'm or called Ashley column today is the end of the month there trying to close up looks for a month. You may we give them a good out of forty cents on the dollar because it trying to get that money. There, but you you have to answer the question you can pay to full balance. If you just want to be, you know, if it's a moral thing for yourself, he's gonna pay back one hundred percent.

Or if you're, ok with it just go ahead to settle down with cheap as possible. I did settlements, jobs can be Roach. I didn't. I called the company and I said hey, how was the best thing we can settle this, for I let them give me, The number I told him is the best thing I can do when I was paid off my collection items. Eleven, my house. They sounded like thirty five cents on the dollar, so too is the last week data mind you have mandated by the first way to do it today are conifers Monday, and I promise you they'll go below to six thousand dollars, but either is fine with you, but if you settle it out, I want you to put is issued The debt, a writer Melinda Sir I'll carefully, take care of everything I'll be debt free, have everything so that have to settling this one. I love it. So let's say you you put that five thousand dollars to horses, credit, car, ripe white and how much cash will you have left.

I don't. I took out out of everything you out right now. You savings. Oh yeah, everything, I have about Polly then maybe inciting total but part to pay half taxes on it. As far as like a technical famous account twenty five hundred and when I have some house appear there really need to. I have to do better if not a redecorating have two days I could use the other money that I got out of their and apply towards the house without taking out a home loan to get things fixed. There were nothing and more allows, because our right now wait for what watch your ass minimum than I could be the homeland, the home affairs, with the different ok. What were you have invested right now, we're sure investment portfolio. Looking like you have a rotten or one k, anything else, that's for your future.

It's all moved on investment company and its mixed in stocks in money markets Minnesota I'm all levels and basically what they see as the different categories and has been almost by ETA. Just one and a half million tearing out there. We got a case. Oscar aright were really good place. Air do not touch tat. Belinda and going headless give them a call Belinda in obtaining a right now in Amerika. Listen, you know if you are just like Melinda if you're in this situation, I was that guy. That was a very first job I had a high school was, was a bill Clinton job and Remember calling people and we honor scream. We will see what we purchase is that and the lowest we could go will be thirty percent with the supervisors permission, but I can go as low as forty percent. What a lot of you, but I know the person as on a phone as collecting this dead they're, getting a commission of what they collect.

Gap, the gaps not now the gap of just anything, the total cost of equal at six thousand dollars. You get a portion of that six thousand dollars, and so what I will never win if you're gonna settle, you know, don't don't jump on a first offer if you're going to settle, negotiate, spend some time time to negotiate is always just like when you purchasing a car is always gonna, be the last three business days of them, because that collector is trying to pay off latch on to pay up in China clothes out the books. So let me ask you this issue. Out of she can't call the credit card company back and get this thing out: a collection, time

she's holding a cheque for ten grand. She couldn't call that credit card companies- a hey us one owing to settle this up. I got behind economic right there. If the innovative. I sold it right at all. Why not appears in italian Wretch air credit a shot while so not not everyone sells it. A lot of them do like do. You have some companies, for example, essay like a utility companies like a tv companies, they don't sell the debt sometimes because that Does it in a personal and combat torn, so they just higher accompanied to collect a mercenary, dad Jessica like doin it now credit card companies sell their credit card debt to collection agencies with Georgia, and so you can negotiate but

I know people who had a moral thing right hand any not warrant, I'm away all a pail of it back rather than an o. Several people like myself, you know when I was young, I called the company said: hey, I'm a do right by you. How do you and resolve this matter, as it will would do this? But I have this: must cash right now without work? Yes, that work, Mr Neil Semi, a subtle and full letter, and I put the money order in the mail in achieving as you do not give him a debit card overflowing, you do not give them your checking account over the phone. You have them. Send you a letter in writing that at this right here, if I send you a certified money order that you will get this of data on my credit report and were dying misquote up, you know, but just do not give them payment information over the phone, because you have some people have accidently type in two dates and I get confused some there's just wouldn't do that are really really really. We do that that today have a question for you from Morgan Render baby,

she says, was the best approach to budgeting when you when you both me and my husband have dealt with financial abuse in past relationships to greet question. So I would number one if you both deal with finance abuse number one I'd probably bring. Somebody else will in the hope that conversation. That means, if you can views that usually means you got some sort of trauma there, so you might wanna sit down, accounts, remoteness, it now than a few leader at your church to help you begin to have conversations about money, wrecking on the front end you're gonna, be data can be tents. There can be default settings that you have so he may ask you hate legislating on credit card. You gonna, throw your heart rate instantly, go remember he's not attacking you and vice versa. She may say hated. You really need some were shoes, a thought, our budget. We had this and you're gonna. Think chinese

My business in that's when you gotta, remember, hey, that's the past abuse talk and that's the porter, your brain they're, trying to protect you man and then here's the thing you gotta do this together, you gotta do it together, Racked is doing this together. You gotta be graceful with one another. If to say, I'm sorry you gotta say I blew it. You gotta say annoy him. Fifty bucks a blow money by us all something to get on Amazon and I spent two hundred and I'm sorry, I'm gonna eat it. The next couple of months to catch up and everyone's gonna, be graceful healing from abuse, usually take somebody else to walk on side. You healing previous takes time, and it takes a lot of grace alike. Raised a loving guy had a conversation by started.

They're gonna have a conversation. This is a dimension

the statistic recently that absolutely blew my mind. Forty three percent of Americans are not protecting their loved ones with life insurance. This drive me crazy people. What are you thinking taking care of your family ass to be a top priority? That's what term life insurance is all about, regardless of where you are in the baby steps you ve got to make this a priority, and that's why I talk about Zander Insurance every day they keep it simple and make sure they fine you the best rates out there go to zander dot com or call eight hundred three five, six forty to eighty two, but you have to take the first step. That's zander dot com

let us be honest, we ve gone through some tough times. Recently. Many of you are hurting right now you might be jobless, you might be broke, might be shrugging to put food on your table. You might be stressed. John Maxwell says something that I love. That change is inadequate, inevitable, groped, his optional if you have said this to yourself, never again, especially during this season in Amerika right now, you have already the first step towards winning with money you ve chosen to grow as a result of this season. If you want to take

steps that you can sleep easy at night and joined the group of Americans who aren't hunted by their finances. We can help gas. We just us want something brand new and is huge something that would change such a directory of your life and not just your life, but your families live in your children, s life and is called Ramsay Plus. This is the all access membership to get. That gives you a? U you our best

money products you can learn with all nine lessons of financial peace. University are proven plan to win with money budget with the premier futures of every dollar and track your progress with the new baby steps. App start your free Ramsey plus trial right now that you stuff up, so you can never again have to walk through a crisis without confidence. Listen, you will be okay, you can do this. We are here with you. I want to go ahead and text. The word trial trial to thirty three thousand, seven hundred and eighty nine again trial to thirty three thousand, seven hundred and eighty nine to get a free trial of Ramsey Plus. Listen you guys this

the thing that changed my financial life- and this was the thing that really helped me studies seeing thinks differently when it comes to my money as far as had been a good steward of it odyssey thought I give God the ten percent and then the other ninety percent is mine and I was giving got his ten percent. I was still losing all my all the ninety percent in a way that is not my I'm still a manager of the other. Ninety percent is still his and in an Ramsay plus taught me that in order to get more. I have to be a good manager of the few that I have now and when I really study understanding their principal that these clothes that I have on a card that I'm driving the house

I have everything that I have is not mine, it's his and he just called me to be a good manager of it. That's when I started really understanding how to be a good steward and how to be wise with my with my money and then I'm telling you right now, Ramsey plus will bless you. It would just impact not just you, but I really want to think about. How would this thing help you with your kids with your children's children? Do you want to leave your kids with bills and benefits, or do you want to leave your kids with land weld wisdom, joy, PA

Youtube com. If you really want to go down the road of joy in peace and legacy, Ramsay plus Erotic, when it so much more the money, it's it's, this idea of accountability and how to change your habits and how to change the way we think about things and how to change the way you do things and when you stumble hearted, pick yourself back up her had a lean on a community. That's gonna! Lift you up and just walks alongside you so much great continent, there's so much great, even technology

from a guy that my wife tells me regularly Osborne the wrong century. Man eaters, even some tack on there- that I used it really helpful. So too good deal man thrill incredible. I love I love it. Escaped accommodation, Goin owns Gladys I'll, let you sit SALT Lake City you time have a conversation here was Scots got good afternoon how kinda dna active accepting Hotmail extricate them? I call, sir, so that the item on Irish no started baby steps too high a brown, thirty four thousand dollars and that that I'm working now I'm trying to spring storms from way is to save a so to lower my expenses and I've been honest. I've been diagnosed with bipolar disorder and I take an expensive medication for not. I take a modification constitute a cost around a cancer out three thousand dollars for

three months supply of that. Luckily I had health insurance, so I only have two k usually around my pocket back from his three thousand. Years, that's as much as I have to pay on it. My view is that neither can talk with my doctor about me on a cheaper, nation! In that way, I could use that money to pay off mark that throughout the year. I just want to see your guises advice on that omelette. John talking to me to this a little bit. What am I concerns here? Use a cheaper medicines alike, affordable medicines. I don't let it turned cheaper medicines, because I want to make sure you're getting the correct medicine it you need that you can be healthy, so Otto, I dont want to sacrifice H for a cheap

medicine, so you can pay off debt, but then you're, not fine health. So, right now your health is more important than your debt. Now I would deafening have a conversation which adopts a head out. Is there any other medicine that I can get that is on? It's gonna get me everything that I need, but it could be a little more affordable for me and if DOT says yes, then you go down that route. If he says no, there is another. Medicine is cheaper, but I dont know about it. No, I wanted to stick with that and, unless figure out, how do we work around that situation, but hear me on this sky? Do not sacrifice your health. The pay debt were all about dead, but, first and foremost we're about jail Yan in years it I'll pay. You back on. That's got a lotta

Doctors proscribe what's in front of them, they hear from drug wraps, they hear from farmer apps and pharmacy reps and they say they are told information. They are seeing so many patients there so busy there so so much charting going on so much insurance back in the back room that they will trust pharmacy wraps. Here's, the newest drug, here's, the efficacy stuff that the drugs company sponsored these studies and is what you should be taken, and so I always advise p I do this in my own life, the same way Dave Rangy tells folks when you sit down with a financial adviser, there's two kinds: one trying to sell you somethin and get your money the door and the other who has the heart of a teacher, and so the doctors that I see personally the counsellors I've met with personal account psychologist. I want to know why I'm taking what I'm taking, I want to know why were walking through a word but we're walking through and so like Anthony said, walking. Innocent

hey! Let you really expensive and I don't know I don't know anything about this drug by the way, Scott. This is expensive. Gimme, some cheaper instead of four, in conversation. That way, I would ask hey. This is a really events of medication- it I can't they set, it may be the best, but I won't you tell me what this medication is gonna do for me, my bipolar disorder, my relationships, and I want to know the other behavioral things you're, the relational things, the other things I can be doing outside of medication to be so, during a holistic, healthy life and, if says all me and I didn't realize it. It was that expensive, ordinary lives, your interest and cover that there's four other generic options we can try. These are things. That's gonna be a great route for you to take at the end of the day. Here's the deal man me ashamed about. Taken medication, misplaced if you are diagnosed bipolar and diagnosis, legitimate and its good men,

medication can make a magical transformation, was on with my polar disorder when biggest challenges. You're gonna have his folks with by poor, get well, they feel good and then they quit taken there met and self work closely closely. Doktor on this. If you end up having a budget three thousand bucks a year, does it that's what you three thousand bucks ear? What do you make a year announced got real, quick Over time I get her and a hundred thousand year, since three thousand hours is not the issue at all. I mean an odyssey if the medicine is working, I'm not even really haven't conversation with my daughter. I may make a six figures: three thousand, This is a three thousand hours, every thirty nine months, yes to its expensive. Now they have a really expensive Manitoba. He only pays you pay that once a year because his max, I thought I was gonna, hear so deftly deftly man you're option aspect sure, but with your situation right now, I'm not really worried about him, an obsession with that,

is it because you sound healthy some sharp young man, six EU budget, you will be successful. This will be assessed. The telegrams

today, structure of the day- is Philippines for twelve to thirteen. I know how to be brought low and I know how to abound in any and every circumstance. I've learned the secretive facing plenty and hunger abundance and need. I can do all things through him who strengthens me. Earl Nightingale says never give up on a dream just because of the time it will take to accomplishment accomplish it. The time will pass anyway, atheists might be at risk of friends in West taxes and they were talking in there. Five and they were always want to commend schools, Med school and one of them said if I got him Well now I'm gonna be forty two by the time I get out, and the response was Forty two anyway, you before you as it you're gonna be forty two, as do reveries you're doing, but you're gonna turn forty two anyway, you never

up on a dream just because of the time it will take to accomplish it. The time will pass anyway. Love that are already go man. I love that I love that this keeps position Goin go out to this gotTa Houston, Texas, use in taxes and have a conversation with Michael Michael good afternoon how candour today- and I hope they got me on- thanks, Michael hey, before we can start ever really quick, important question. As a former used to native. Are we still for the asteroids are what man can we still former. I just have to take a year off definitely yeah? I made a few things out there. The attacks in London bound and sound the role of the budgets are. I think what you questions, what your question does graduation college in May and I'm living at home and died. I haven't line up a job.

But with my major and in those in this area, I can t myself making upwards of sixty or seventy thousand a thousand or so stood alone there, and I was wondering what they do land that job I should. I. Way to move out until a new and all that all that time and all their income with no overhead, the just attacked, had stood alone. That or Should I moved out an anomaly Dave, always pressure the the issue of but the man and everything whenever you take on your own, I believe that your own place in everything wondering if I should judge, that time and no overhead and is directly about that soon alone. Bad word, I hadn't move out and kind of that in my budget, whenever I am alarmed how's your time, your family right now. It's good I've gotten, I'm not at all alike

anxious to move out or anything, and I'm perfectly fine staying at home is that those smart financing, for me right now and so really you could go either way. We knew you start Can sixty or seventy thousand dollars the feelings will change I'm not somebody who thinks you should just go run and move out just cause. You got a job if you're in a good situation. I also know that it can strain and and in, relationships when there's not a at the end of the sentence and so I easily recommend folks will once you land this job, that you would sit down with you with your folks and say here is my plan. It's gonna be months. It's gonna be six months. Is gonna be one year: let's try it for this many months, let's put a pay rent only give you a hundred bucks on a tv tuner bucks. They may not take it. I've heard of folks taking rent from their kid and when they move out, they had a check of that money back. But

you paying in something had put some skin in the game that at least light some sort of a small fire underneath you to get out and too your parents, don't feel like this thing is forever and suddenly they got a grown man. Making good money just using the House as a hotel room right, and so your thoughts in about relationships and you're thinking about the financial impact. On this too. How old are you Michael, I'm? Twenty third, wash your vision for life. Well, I want in the future Part of my plan is to have a properly some land and by a family in the future, but I want to get myself secure and get this this. Eighty grand out aware that just kind of way and I'll make before nobody any of those future dreams. Fifty five. What are you doing at fifty five

fifty five Basel boy, I mean advisory myself with a pretty sizeable family, financially independent of solid what my house paid off a solid retirement aware if something like this code were to happen then about non way too many people have done the same company now for twenty seven years and whatever, However, this economic in turn, help they were does abandoned by their companies, and I don't want to be in fishing in the future to wear that would affect my retirement or my lifestyle or anything so just to where I can they control my own destiny. That point in time, you need a deeper vision, I was when I went to see from you. Michael- is start. Your plan at the house finished a plan on your own. So much that tonight we hang on to follow. When she got get away. Canopy phone could have

media? Maybe even lady parents house may be drive around to a park and what you sit down. I really think of your vision for your life, where you in the next five years, where you next ten years, the income back home and tell your mom and dad hey here's my plan, here's where I'm going I want to start the plan here among ahead and start to plan word to plan with your wisdom, with your guidance, which I support, the reeds my Dave says he. He really encourages people to move out, which I with them is because a specified man there is some sense of of you growing up and much hurrying out on your own experience things out in your own. So I'm not saying I want you to go out to day tomorrow next month about within the next six months to a year. You should already have your plan working. Your plan, move out, don't go in nothing. Expensive, ok, get into something in my small six hundred square foot apartment low rate there, a Texas be between eight hundred to a thousand dollars

and now this way you're working your plan. I ain't you take care of yourself because its how's it going to be a family man we're. How can you be a family man if he can't take care of yourself gay so start the plant, home. They in transition out on your own finished a plan right, thereby yourself. You know- and- and I get that was me- my my dear when I came back home after he- and I fell out after from sleep in my car sleep in their friends house. My day gave me six months. Is I have you got three to six must get out of my guy. I mean it took right Gimme a rent was a hundred miles. You a generous sums that he was hard to me. Five hundred thousand mutton, but he's a three to six months, so I got it. I got two jobs, gossip man, I gotta pay off the debt because it couldn't get an apartment with all this debt and the whole time he's he's home to me accountable. He check him up budget, I'm giving him the floor

dollars. On top of that, he's making sure that I'm saving someone there when I moved to get my own apartment Medea gives me back the money, we did that to our did. I have my desk money, but also had the males. Emma savings are good for him because I moving. I was saving to move out the buffer furniture and what you do it was a time limit time it up. He pressed you to start learning some hard decisions right now and will pay rent. You will save money right when I told you accountable, if your little mouse, you can have all the rules and put before right- and it was the best thing for me- man, that's right, because I had a lot of France that state home till there was twenty, eight thirty, two years old, don't even when my friends who actually now, but here see, but its particular friend of mine is thirty. Five, years old and still living at home? Not pay rent, not doing anything, and I am fearful

because when its individual gets married I don't know how to individual be because it never experienced life on their own. They never had to pay electricity bill. They don't know what it feels like to have to pay actual bills, and so that's concerning for me, and so I recommend every young person after college, nothing wrong. We're going home, get on a plan started plan there than try this now to your own, so that when you can experience life, you can make some mistake. You can fail load a bit and here's the thing when you get on your own still go back an ash, Mama dead and otherwise people for council for wisdom- I came I join, is right, but I am making the right decision here. Even now, at thirty, six ozone are run things by day are run. Things by my parents are run things by my mentor at thirty six, I'm a grown man. Why? Because David

Sperience, all the stuff. You know self hoof. Matters is a good day. Michael you're, doin, three years old man, you got the whole world, a heavy, get their dead paid off, get their debt paid off, get their job and get out of here that the date thanks so much man MC sorry about your future thanks brunt of next month is a big day for you. Thank you. I wanna thing use a James Shout and our social producer and false gonna Kelly Daniel Amerika do not forget that the calibre of our financial future will be determined by the decisions we make to day. This is the number one show in a world day range is James Childs producer of the Dave Rams show on your smart speaker. You can add our skill by saying the Lex opened the Ramsay network, skill from there. You can listen to all our shows ass state money. Questions like I do. I invest my money or what is the debt snowball find out? More Dave, Ramsay, dot com, slash smart Speaker,

money, isn't the only then can we talk about around here? Get life. Changing advice on your career, for my good friend and career expert can combine all my can com and show. According to a recent Gallup poll, nearly seventy percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, calm and show is for you. Everyone has a sweet spot. You're sweet spot is at the intersection of your greatest talent in greatest passion. We will If you discover what it is, you were born to do and then will help create a plan to make your dream job a reality. You matter and you have what it takes, join the conversation on the can com and show hear more from the Ramsay network, including the current common child. Where ever you listened about gas page. Producer of the day. Ramsay show this