I the live from the headquarters of ramsey solutions broadcast the studio. It's the ramsey show that is dumb. Cash is king and the paid off one mortgage has taken the place of the bmw how's, the status symbol of the help, people build wealth, the work that they love and create an actual amazing relationship. The christina Ellis number one best selling author ramji personality is my go out today, as we your questions about your life in your money, open phone

the tripoli eight to five five, two to five- that's aaa eight to five: five, who to five jordan is in rochester new york to start as off this hour. I Jordan, our you. Are you d better than we deserve, sir? How can we help our right so on twenty one- and I just graduated from college dismay- yeah what you're degree and information. systems ha love it. You got the big job Yes, I actually was force enough to get a job straight out of the gate, so fortunate enough for them What do you make it. A little bit over a making, a hundred fifteen thousand good monitors and bonuses straight out of college? That's all I'm so proud of! You know created your arm. So my question is, though, I have fourteen thousand hours left in better student loans

and I also have a brokerage, a cow with mutual funds that I've been contributing to stands out. high school and thirty. Fifty in one thousand dollars in those accounts- and I was wondering- is it smarter need to leave that money in the accounts and set up a payment plan to pay off those federal student loans. Or should I just pull out all the money from those mutual funds and pay them off now? Three years from now. The answer mathematically will be almost equivalent. Ok, ok, but If I woke up in your shoes- and you impressive young man you, I would write a chance today and be dead free and alone with that, the more important. Or to the conversation. Is this commitment to that stay out of debt and avoid debt permanently that process, that power must you yourself will make you wealthy does it mean I pay much? When you make a hundred grand a twenty one years old, you can, you can become wealthy,

near them? No, you know you can be a millionaire autonomy authority and I'm home, and now you Welby, if you do this, I teach you to do on the show and in baby, have you got a copy by bishops, millionaires, I've read it? Ok, then you know you know exactly what I'm talking about follow those baby steps megan one hundred fifteen today with before you're too information systems in a hot tech, more like wherein you're gonna make it too, hundred by the time you Twenty five and europe consistently investing in being generous and living on a plan and being intentional and enjoying your money, but can currently. Investing you're gonna have serious banknote eindhoven not a bit of a mathematical fact turn this bill. So much joy talking to you to hear that you're twenty one years old, you got such a great income and you're reading baby deaths, millionaires you're in the middle of this process. This is just so exciting. You'll, just don't get stupid, I don't know whether below my mean yeah yeah, so

Along with this promise to follow the baby steps from the ends I'm going to avoid debt, so I can keep it trawl of my largest wealth building tool, which is my fabulous income and not committed to wreaking lexus motor credit. Not now omitted to somebody else are not fall off, though. Not not go be normal, are arrogant Thank you are the exception to the rule when you can beat this or something like that, just be boring. Is rap on your money, stuff and just how can it away? being generous weather and enjoying it systematically with detailed intentionally, like you if you are working out a flow chart for one of your information system situations than you're gonna urundi they're dead, you'll, be there, you can just avoid the new car panic if it can just avoid the the whatever stupid things.

friends get involved in like bitcoin, if you'll just go, do basics, large stuff, you're gonna, be unbelievably wealthy and you ve got such a free Let's start such a good headstart? I love those charts when it compares you know, somebody starts investing for retirement at twenty one verses like forty five, and I let's just say that a lot of kids miss out on the opportunity for our that compound interest. I mean you know everybody, looks back and wishes that they would have done some certain things sooner, but it's like so cool to see that this generation starting to jump on these principles early, and my dave said: if you can stay focused, there's gonna be so much temptation and the flashy car that, how's the opportunity for a credit card like all these temptations are gonna come up, but if you can stay focused starting at twenty one and push all the way through your honor. I mean you're on your way, just don't they just to avoid the

the temptation to look successful. Dont know by gives a crap. You look, ok, wait what you drive yeah, let let's just be six! as and the end in a war by you look later in instagram world, you know, let's try actually be something interested in his look like something. Other shallowness of our current culture we have influencers who are influencing, who have never done anything except have a bit instagram account and account, and that's how you get to be famous or you're famous for being very machine on that day. Shoot me, oh god, but they are now, now get a real issue, but nice actually just go, be do the stuff and be successful. Now, look right, and it's like it's like he say like the paid off house has taken the place.

the Bmw status, symbol of choice, that's like man, if you're thirty years old and you have a pay it off house and your baby steps millionaire, that's gonna so much cooler than if you're driving around in a flash, a car that you can't really afford with a big old loan payment. Like that's, not really cool, and the grand scheme of things like building true wealth the last that is that's cool well done well done hunters in EL paso, texas hunter? What's up, My question is surrounding it. Inserted we received at work x amount of stock over a three year version period for employee retention question basically tyler to be taxed. As I read about it, several sources say: either: capital gains income tax, red figure out how to decide that, unlike abusing gowns with their not being an initial investment by me out of here the games with work. I was wondering if you could give me some inside and not in either cannonade acknowledge your places, a zero sum,

compensation, and if you do if you haven't held the stock vested for at least one year for sure it's not qualify for capital gains serve its under twelve it's gonna be ordinary income, a hundred percent, a hundred per cent What you shall have origami taxable in either case. whether it, if you ve, held a three years, is it gonna qualify, but compensatory causes. Translation is going to qualify Apple gains. I don't know that for sure you would need to check your tax advisor to be sure on that. I am not really great at details on taxes. I know some of the basic stuff, but something like that.

I personally call my tax guy and find out so that I don't screw it up, and so I'm not going to lie to you until you know the answer to that, but it will be one or the other and it won't be it'll one hundred percent, the ordinary income, if it's under a year for sure no question about that and for sure your basis is zero. So one hundred per cent of the amount of taxable just not sure which rate applies after one year, the

The Christina alice, ramsay personality, newborn, bustling others might go home today, open funds, a triple eight, eight to five five, two to five, Have you noticed that the stock market is down you looked at it you noticed and some people are more than just noticing there like stressed out freaked out goin. Oh my gosh, I'm a freak out mode. low drama, queen action going right, yeah! Well, We need somebody in your corner when the stuff going on. They can talk you off. The ledge such big, someone awhile when you talk with you teach you in that way, you don't

about the market now the market at exactly the wrong times, which is what your motion will cause you to do The data shows that the people who work with an investing with an investing professional actually end up making more money. Mainly because they stay invested, If the investing professional doesn't do anything except keep you from cashing in at exactly there sometimes they were Make you more money than they got it? After all, they do, of course they do a lot more than that. They teach you about it. You may different decisions on tax is all kinds of things we I commend you work with what we call a smart vesture pro smart to approach or people that their investing. nationals that we avoided that will work. with you, one on one with the heart of a teacher: go to ramsay solutions, dotcom, sly, smart vesture, find a list of these people that we endorse. We recommend the ramsay solutions way: smart rector browser everywhere, ramsay solutions, not calm, slash, smart vesture, our question.

of the day comes from blinds dotcom find out for yourself. Why blinds com is the number one online retailer of custom window coverings frazier. both free shipping and with the new promos they run every month. You save even more useful oh god, ramsay to get the best deal. Today's question come. Noaa Noah in arizona and about wait from high school. I have no credit card and I was wondering how I can prove that I can pay my bills on time to an apartment to get a lease if I haven't started any major bills? Yet the only bill I pay so far is car insurance. Do you have any guidance Well hainault, a good on you for thinking about that. Now you sound like one of our foundation, students who are getting that stuff in order early on, which is awesome and one of the biggest things are going to going to want to seize your income. So I would really focus on that early on. You know, they're going to want to see a steady income history which I know that can be hard straight out of high school. If you start

working early on, maybe live somewhere with your parents for a bit and have that income. History, that's great, but all Look into options like having roommates, I mean you may not qualify, an apartment straight away? If you don't have that steady job and proof that you can pay, but you I was gonna remain. Who's got a lease and you can sign on and get a room with them. So no what's trusting is, is this is one of the most pervasive out there It's an absolute. Why you I have a credit score to own apartment. You just don't to lie. No, we took one of our aims. You personalities got him on the phone put it on youtube and they called twenty I want a complexes and said hey, I'm moving to nashville from our first job I don't have anything except a job. I have never borrowed any money. I don't have any credit score. Is that ok? Can I wrote a barber there and there, like yeah, sure. not really special summit

said you need to put up a larger deposit, some of them said we need to see your w two. We need to see a you know when you say a pay stub from the new job. Well. I haven't ever borrowing money. I don't a credit, gordon no problem, no problem. out of twenty seven three of them had a problem, three score and these are like regular, barbara complexes, corporate management, corporate ownership, all the stuff. So this idea that you have to have a credit card to rent apartment is absolute bull, not so yeah it is harder to read, a car with a debit card. Then it is, rent, an apartment with no credit score, much harder, much harder so this is just one of those things that people this this mythology, that people tail we to call in the legal world college street law every I think they know what the law is, because they hurt

something one time or matlock. You know, and they don't know anything about the law. But everybody then starts to believe this myth. This lie and its spread around here's. The thing no call What are you barbara complexes and prove me wrong here? on three more leginn. In seventeen unwell? Some are more want a higher deposit. They all want what christina said. They want proof of income They just want. Now you can buy the bill if apartment plexus, never rented the young people doing their first job. They have no customers. All people there on the job. Twenty five years are not in apartment complexes, people most of the time there Primary customer anyway? Ok, so I just I kind of believed it and then Anthony only all that used to be one personality, sat down down the phone and though you too, above him down that phone. No, no, no, no! No it's! Numerous should so ridiculous. because there's one these things. It's just widely believed to be true that isn't absolute lie: that's humorous to me that

at this. The emperor has no clothes thing. We I believe that its way in work to say out loud that it's not until you proven with actual data in so just just amazing. So let them, then be busted. There we go pop that puppy are britney's weathers britney's in Cincinnati. How are your brittany I even better than I deserve gave dirt. How can we help I am going to ask you should put firmly emergency fund to help here. our house is in an emergency You know that was held in emergency phone them. exactly several euro lopez had your time, because we received an inheritance track and with that check and where we have an hour tracking energy savings, emergency. You can pay off our house and for all,

unfortunately, on your mother There are sixty one thousand and how much was in her to shirk twenty five thousand. ok. How much do you have in your emergency fund? we have in the accounts our, then only each I'll be earmarked for emergency. Ok she of twelve thousand dollar money. When you learn Our checking accounts. We have twenty thousand dollars. Will it thousand from your checking in the eight thousand that has not earmarked as an emergency fund are not this discussion- that's all going towards the house right! That gets you! They are, though, done it. Almost I'm nervous. They know what your household income sammy, If spending six thousand dollars now

do not recommend you go below the twelve, which is your emergency fund for the answer is no. We don't use your merchants. You found above your out now, If you had an emergency fund, there three to six months of expenses and you're on the six months side, and you wanted She back to the three months I had for a little bit and that way do it, but I won't do it here number one number to your mark. Events not huge four thousand profoundly, not huge yeah, very, very oh yeah, so twelve thousands good, I'm happy with that. But I will below that. Ok, please anguish, Dana proteid yeah. I agree. I think it. I love that you want to pay off the house and I think that's awesome and to be in baby step seven, but I think I would just take it a little bit slower to stay safe. I wouldn't I wouldn't jeopardize the marriage the fund has again you, you could be, you know, have a roof problem or a leak and then all of a sudden you in a whole another different issues. So I love keep it

on the paddle and keep going forward but just maybe slow it down just a tad bad signal, mutton and which was the inheritance again. I'm We have a portuguese, but this time on twenty five thousand okra she of fifty three thousand dollars. If you don't touch the twelve and you need sixty one, You show your within eight, thousand dollars and you make seventy thousand dollars so you're alpha house, by the first of the year anyway give or take yeah yeah so now, when I don't blow the emergency fund solid just hang. It takes about six months of this process and your within reach. If you got something else, you can sell that you want to

although also I'm ok with that, but I'm not going to I'm not going into the emergency fund. Let me tell you what, when you mess with your emergency fund, for something that's not an emergency, it's sending an engraved invitation to murphy, said murphy come screw with my life because he will he standing there ready to comp and you just opened the murphy gate and let him in don't do that. This is the ramsey show,

and the the thank you for joining us and helping phones at aaa eight to five five. Two, two five christina Ellis number one best selling author ramsey. personalities. My co host kristen is witherspoon saint louis I kristen. What's up taking my call sure. So my question is about baby step. the we'd be ok, how my husband- and I are looking at starting this step soon. You'd graduate with minors practitioner degree, may increase the cash flow with protein. will get you down, get free thing. Why to go, and thank you how'd! You do that.

well, I've worked full time and choke clinical and then my husband got turned it inside hospital pay for the rest, the programme there you go looking good well done I'll catch and what you're much So we some family and that will planning on building on I've, heard you talk about that three b with buying a home, but my question, and what is your recommendation for step? Three d with building a home? I quit how much to save before, starting or just your recommendations of that is the lamb paid for so, if the farm is it it's kind of like the farm? for itself, and we can use that as a business, whereas the salaries, that little is sorry if the on it. Oh, we just got it

two years ago, and so we just our pain for it that fifty five acres and what are you oh on it? Hundred some odd, okay and watch it worth it, Now it land in our area skyrocketed still worth much more than that it worse I I honestly don't know, give me your honest but gimme a honestly, probably about. Four hundred that I was gonna get four hundred yoke and its good yeah and your household income is what right now, roughly eighty if I'm not working, but once I get done it, we're looking at dublin back should we may get two hundred and ninety nine bucks a year, one sixty thousand budget year, something like that and do you have hundred thousand dollars worth of equity and that that will form azure down payment. If you go apply for construction line, because when you clonfert instruction alone. What you're gonna do is there

going to prob Why not take a second position to your existing mortgage? They're, probably gonna pay off existing mortgage in the construction loan so that they are the mortgage on the property and then they're gonna? Let you draw down against the rest of the construction. Build a house. Ok, And then, when it's all over, I ve spent two hundred thousand dollars on the house to adopt more mortgage to start with then you're gonna have a five hundred thousand dollar permanent mortgage. Their pays off the construction long when it's all done, but the act that you have to download worth of equity makes. This deal happened today with zero cash, down payment You got this equity, their roles into the deal and you're doing it's gonna, be as if you put down two hundred thousand dollar does. If elect if we use my numbers, if you build a threerd, I've thousand dollar house on it, you got you five hundred in debt, but the

Operation be worth seven hundred ok and show them that gives them the equity position that you need for the permanent morgan for traditional mortgage does report. Down with seven a deal that be great right. You right that that's the same math situation you find yourself in then show gonna happen as you're gonna have to have a say, if I'd contractor in your slate you're gonna- have to have a set of plans that are on a brown paper bag that appraiser can actually used to appraise the plan as if the house was completed and the He's gonna require these things. In order for you to get to build, the house you can't just This crap up and they're gonna give you half million dollar there. Don't give you you know Do this thing with, and so the certified contractor fact. The appraisal on the plans tells them that, when it's done by the sword, I'd contractor when its completed on schedule and on budget, then they're not

be at risk. The banks not gonna, have too much in the thing. The third thing: they're gonna, do you do is go ahead and get your permanent mortgage permanent mortgage that get it get qualified for it. All. The paperwork done. They will issue, then what they ve the permanent mortgage way. She was called a take out letter and the letters danger that you have the mortgage in place to take out the construction long construction, lowest, temporary lending, your eye, you take it out, you remove it with the permanent mortgage when you're done now, somebody we'll do the permanent mortgage in house and instruction loan inhalers, churchill. Mortgage can do that, for you too, Ok, so then you don't have to two different places to get it, but in every case you know o husbands really good he's gonna do the building himself, that's not gonna work by or there's our plan, we sketched out on some on a brown paper sack, thus gonna work? They're, not gonna, give you the money.

very professional button, down process, you're. Just like you learn when went to match school but its applied to the building industry? you can do this- are you you don't have to have a whole bunch of three beta, pull it off? Youngsters workin on your app to have your job implies. Does europe have the income. of income now to support this programme. But when you jobs there you can build a desperate cool, have done a great job, yeah, that's out, standing as exciting to start visiting that up to the very exciting, but you can set their own. Fifty five acres and start dreaming up what that's gonna be like both of them nice place nice place. Certainly nice bump an income to you guys are gonna, be able to get to that spot. Were you in your work? the baby steps in paying off pretty quickly What's your all, you know others drew them remagen, for they know that women a couple hundred and build up through that thing, pretty quick noah's in Sacramento high noah. How can we help they

I've got a question of got a considerable amount of student at in apparent plus loan, I'm trying to figure out how to make affordable payments on a loan that, in my parents' name that feels that feels a little bit on an affordable. At the moment, what's the total amount of debt. It is one seventy five and good lord Your doctor, a lawyer. neither one! What did you get your degree christian industries I'm faster, four hundred, five thousand dollars here. Ok,. Bad choice and got that was nice. You may be called, the ministry were called to this mess, DE I agree what is you're? What is your household income sixty down I'll sean, I'm so sorry

so mom and dad took out these loans apparent plus lunch correct and they can't pale, nay, I mean they can take part. Our agreement was that we would split at half the violent. School out with me now, if the agreement They struggling to pay them right now. They ve been in deferment and and somewhat not so nobody made any payments on them at this point, my parents, household income, is considerably more than ours were to china figure? Out again, I don't know how a this works, but I've been told either the lender and one that we can't like cancer. I beat them into my name, so we're trying to figure out what they are going to be in their name you're just going to assist in the payment of it. they're gonna, hear you like their password and the website and you're gonna jump on their pay payments. They are wrong. It's there. it's gonna, be there alone until it over.

But your tonight, your your moral agreement, your hand, shake. Is that you're picking up half of it? and so on. What what is your wife make? she's. She not working at the moment we ever young daughter and she's pregnant, literally nine days after due date today, while that our second kid, It has always show I assume she's mine on going back to work there. Yeah. Well, when we don't have very young children. Yes, that's the plan. Well, I mean you're just can be paying payments on this, no one noah and the Ath is telling me that this is a highly stressful situation. it is I Think you're gonna be running you're gonna, be we call a by vocational pasture, You can be run side, hustles actual sometime, there's nothing wrong with that, doesn't give it doesn't most. After, statistically

one number I saw was eighty percent of them are by vocational america right now and there's no shame in that: it's not, it doesn't diminish your call. It doesn't do any of that, but it's not unusual at all for a young pastor to be by vocational you're going to have to have more money. It's a mathematical problem. You've got the. The The the our scripture of the day, galatians five? Thirteen for you were called to freedom. Brothers only do not use your freedom as an opportunity for the flesh, but through love serve one another. everyone said, as you grow older, you will discover that you have two hands one for helping yourself and the for helping others very good

Christine Alice, ramsey personality number one best selling author is my co host today, John, is weathers Jonah's in san antonio texas, a john. What's up a bait and christina just a quick question yeah, I'm a masterpiece. And your courage on these that for the following you in your programme for gush over Five years I switched careers about almost two years ago should become an insurance agent and that job Full time remote got engaged to a girl. He lives in mexico. In her spending a lot of time between taxes and working in mexico. And I just wanted a fear tat. I've been seeing this opportunity and you know building away from from calvin after dinner for so many years because of the expense

I've been saying that you can have a pretty good life liking. Mexico and even the beach life, and things like that and I been think about you know, maybe doing that in the you know going forward here, one day I was more permanent, more just one of your thoughts on that. Reason for doing this. Is that your girlfriend is. No well wish, you were gonna, beat we're going to the integration process and she's gonna be adding to live in the? U s under greek heard before She can become a eu citizen, but then once she does that my real motivation is because of the U s dollars the of income and spending pesos, which you know pretty much takes you pick you up. Right picture. Money off further. norman converge and then

brazilian patients. Patients about a nickel right now And show it takes a lot of patience to get twenty to get to a dollar exactly and in my might my well still a hundred dollar hotel room and it still. equivalent of two hundred dollars and pesos? It's not like. because the patient is less than the hotel room is one twentieth. It's still there. I like like, for example, my my fiance has a two bedroom apartment for five hundred dollars a month. You know and like in the you know, in a great area you know not considered like you know the rich in the town here yeah. Well I mean the cost of living in general in mexico. Is there, but it's not because of the conversion pacers. It's just the of living is lower. and in many cases the standard of living is considerably lower, but not every case. I love mexico. I am and

an honest. I loved mexican people motionlessly people on the planet, artist, ai! thoroughly enjoyed travelling there, So I'm a fan in that regard in all of your young guy getting married and you you want to call that what I expatriate to mexico. No, I would not, but what live there for a while as an adventure with your new bride and say we're going to live here for four or five years, and just have that part of our venture. And then we might move back to texas, but you don't have to take the? U s off the table, and it certainly not a statement that the? U s is going down the tall it goes. You won't do that it just like hey man They go down, live on the beach and done cost a lot were young and married machines like a fun pop pop some of our life. What's gonna, do that like some kid packing europe for two years after the get our college on. That's cool, go! Do it that's great! You not mine, but-

but I wouldn't say that this is like a permanent thing or a policy decision or every one ought to do it or something. Like that, it's just like you, come on an adventure. You're go surf a little. I'm assuming you can run your business from the right. I'm working for an employer in my small small agency and the they don't, the problem with me. Do you How do you know you never about seven eight month now often on the internet, grade and an you know, it's safer. I mad enough. You know- and you know What are you ready for, I am sure, would remain as that which is is an indication that you do understand the true. That's not all safe. Oh yeah law and order is a problem. Yeah, one day. I think if this is something that you want to do, because it's fine, it's something that you want to do to be near. You feed your wife's family at this is something you want to do, because it's a joint and adventure.

sounds awesome. But if it's out of fear that you're, you know I'm gonna have enough money here in the: u s that something that's kind of just a negative thing: words like you're you're good. mexico to try to save money, but you know their sphere around money here and does the can really that that kind like a bummer? I think that in the career that you're and you can make enough money to have great life here in the states its exciting them than more or living on the beach. I think that's also now have shall run with. It are I guess weathers my gives in phoenix arizona zone mike. What's up Michael chirp. How can we help I started watching your shovel and with your show about five years ago, and it was then I decided it serious about pain that. So. Thank you very much for that. Thank you since then I paid about three hundred and eighty two thousand hours in that and all I have left the mortgage yeah so

repaying about a hundred and fifty thousand dollars towards the mortgage and then re financing at a lower rate. I kind of help the bandwagon, other thirteen percent investing in anchoring the mortgage and then instead opted to save approximately sixty percent of income for the last two years, so I stopped heavily going out for the mortgage on short notice. I got my job and then two weeks when a clause on a new house or four hundred about me. because of such short notice, I didn't have enough cash for down payment, so I took eight brokerage loan of eighty five for the down payment. I planted in my previous primary residents The original so this is gonna be focused on paying back that I am planning to be one hundred percent debt three and six years, the question I have is, I know you recommend small towns birth because it

behavior modification reasons, but that same principle applied a mortgage. The two. Now But if I'm in your shoes on local have that problem now and keep that other house here and up your eyeballs man, you use falcon we off the wagon roll down the road he added and you went to a drug ridge account for a down payment, your curling with two errors. I have left unbelievable man, you are really play in it so now. I m cellular housing dismiss cleaned up. You made note that change anything? If you know my mortgage payment on that house is three hundred and fifty dollars a month, but it runs for three thousand know, and it could be additional income know: did you bought that rental property that has a great cash flow. because you borrowed against your current residence, you didn't you didn't actually but on your balance sheet you're dead, because

you didn't put down all of that equity on his current house, you're up to your data up your eyeballs in debt on his current house, so it has the same effect of hey. I had a house almost paid off and I went and borrowed on it to buy a rental, and now I'm smiling because the rental cash flows, new, no sale, I gotta do whatever you want to do, but I'm too The shortest distance between where you are and wealthy is not virgin your personal residence up your eyeballs tone arena property. The cash flows is not you got it so much risk to your life with who's gonna pay hits, don't always pay. What you know it won't. The pandemic is called a moratorium on eviction, and so they sat there on their butts. Didn't pay you a dime, because you can legally do anything about it and there some of their grinning living in your house for free there? What your cash flow? Now no way do not meet the risk that only the risk

you know do whatever we want do, but I think, ten years from the day, you're gonna regret this move verses. If you get completely clear house in everything and then start, investing on the side and save up and pay cash for your rental. That's what I would do so much better. That way like this, this way sounds very

stressful and I know deep down. It feels that way mark the problem with our stuff. Is you can't go through it like it's a buffet and just pick some of the stuff off the buffet? He kind of got to do the whole thing or it doesn't work that puts us our the ramsey show in the books, good job, cristina good job austin and will Zach and andrew and james. I am dave ramsey. Your host will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace, and that is to walk daily with the prince of peace regime. The nave here you can find all of our shows with the ramsay network app on your smartphone. It's the only place to listen to the entire back catalog of episodes download the ramsay network app in your favorite app store that a the hey it's james producer of the ramsey show. This episode is over but check the episode. Note

for links to products and services. You heard about during this episode. Thanks for listening,