I from the headquarters of ramsay solutions broadcasting from the barge moving in storage studios. It's the rams, asia. We help people build wealth, do work that they love me, create actual amazing relationship. Reggio crews number one by showing all other my daughter, ramsay personality- is my co host today, as we enter your questions about your life in your money. Open funds aaa eight to five, five, two to five

action. Memphis hijack our area. Rachel, our modern better than You deserve. What's up. Well, I mean a lot o clock questions I work in a lot. Renown meets him. action really are made. Years old, and I'm trying to pay myself through college, more planning to go to community college. Am I dont have a car and there's a lot of things that my family care pay for the allergies? and I was just wondering like how should I spend the money that I get in like in preparation for going through? College gets some great questions Are you a senior right now in high school? You, ok,

and you have any money saved going into next semesters tuition for the fall, Oh I'm actually a hundred dollars his into my emergency phone? Ok, that's great, They may mean have an eight hundred, our emergency fund, yeah glenn and how much will community college be per semester? It's gonna need for briefly, first to use its great ok and so a car is something that you really looking towards. Are you gonna be living at home while you're at school? That's the point you have yet that's great so your expenses will be books, things to get like academically and then maybe some money for food in gas and all that correct here to some based

expenses, so do you think you're gonna be making these vessels, so I just got blessed with that. Nice backpack leaf blower and I posted on my neighborhood facebook, page and stuff, and I've got a few yards that I'm I'm fixing to do. And they make in about an extra two. I think, Sir extra two hundred a month of ok, you got blessed with a backpack. What leaf blunder leo lower here. The here that's great. Does my group are right: olives, ok, so You can turn out on undermining yeah. ok, so your side, hustlers long care yet, sir with allergies, ok,

to the same thing as wrong laughing. I can remember, run the waiter sneeze for three days: ok, the ah. Well, You know what you're looking at his basic math simple, my other. You want to thousand dollar car at two hundred bucks, buxom others can take your turn a five hour by hour. I say sorry in europe, but I work part time at far have serbs. and I make about a thousand amount, sir understood that oh well. His work and got time. Oh, I thought you said. how was your only thing? Outs, aside ashore your main gig, is firehouse aside from going to hush cool, yet sir gotcha occasion, twelve hundred a month, yeah, ok, good, and how much of that? Can you put a white or a car? one thousand. If the ad says I I want to try and save up to about like four thousand.

if you do, a thousand performance should have that right, right leg, it Another question is on issues like I feel like expenses. They decide come on aware like for me. There's something I was like planning to do like now, do that every other budget, like I'm just now, seeing stuff add up, adds up, and so I was just wondering like how do I stay focused in may this year on purchases, especially china, safer gouged, a car. let me just say jack. This is a great lifeless them because, while problem. Is the reality in your world life other things of the reality for other listeners. That stuff will continue to always come up like that. You are experiencing true life. With that I mean that It is that is happens, and so in your budget we have

called the miscellaneous category, so would put that in and put some money towards that, so it's kind of your catch all when stuff does buy up and you're, like? Oh my gosh, I didn't write. I had that you can take money out of that category, so doesn't completely ruined your entire budget. There's gonna be sums You have to say no to I don't want you say no to prom so mike figure out a way to. Some money saved if, if Europe, if your parents aren't available to help it's working a little extra. Maybe that's not going out to the big nice dinner. Maybe you skip one of the the things that night, I dunno how much prom tickets cost the same but what do I know maybe drive your own car. Why you didn't have one right, maybe robert! a car, so that are getting a limo, That's why I was thinking about the limo. I know it was like I was like. Well, then I'd said that so it's your dad's card, I that's what we used to do back in the day when the dinosaurs roamed the earth, but when you walk through that process, jack which are experiencing at eighteen,

It's kind of the same life in a sense obvious, isn't problem that you're going experience at twenty eight thirty, eight and in your whole life and so learning to be diligence? was putting money away and then prioritizing when things do come up to say. Ok, so I have the money or do I not, and so it's all about really at that. making choices but jack. Your overall financial picture you're a hard worker in twelve hundred bucks a month as a high school or which is amazing- and here we are to make a lot more. The summer when you don't have school, col as for your living at home, xerox, there's our expenses, so, as you continue just to save so I would say throughout community college your goal. Its be put as much money away ass possible because when you graduate, from school, then you're going to have this expensive transition honestly into the real world. Maybe that's moving cities that might be got on a job and eat renting and apartments or a house for the first time so having cat shhh available for you when you

what college I think, as is gonna, be you're, not ruin, call but expenses and said you should be able to cash flow all that with working, as the building wealth event, is going to be in salt lake city in less than three weeks. If you ve reached sure enough is enough moment, I'm sick and tired being sick and tired we're here to help, or maybe it s. My come, hang out with the tribe, the ramsay tribe, we'd love to have you there's a few. Could a few tickets I will be there April, the twenty fourth rachel crews, george camel jade watchful, and I we're gonna give the proven plan to get out of debt, save money. They are I just with generous, but most of all how to build wealth in twenty twenty three and were at dive in some, the hot topics are by talking about, like inflation and investing in interest rates all this stuff and get your gets now at ramsey solutions. Dot com will also be in Anaheim california. I made the second with KEN coleman, dr John bologna, and jade worked out that event oh emotional rounders about like sixty two tickets left, so there

Forty nine dollars, apiece ramsay solutions, not gone slash events. Anaheim salt lake see you soon frederick crews. Rams personality is Michael o. Today, number one by showing off open phone chair a triple eight eight to five. Five too, five, so joining us for a segment here to hang out my good friend women, John from shark tank, her damon. How are ya? I am well how you doing better than I deserve. Sir if we're hanging out where the show I got a call the other day from diamond, and he said, I've got a book that just number one. I want to talk about and I got the book, and I said yes, we want to talk about it. It's a kids book little diamond learns earn I gotta say little diamond. You are better looking guy when you had that hair on top man, that's pretty good. I have to tell me the balls

I was one of my new hats. I love the hat excellent. Okay, now read the book low diamond learns to earn. Months ago, and kinda remember the story from somewhere. It looks familiar does it doesn't look like a little damon who learn to earn, but he was probably about twenty eight years old and after the earned it and he almost went bankrupt, If he had ten million dollars in the bank yeah a little little operation called foo boo. That made you who you are right. That is right, but but but let's really open up, but I didn't call you unless you tell you what that call this a nice day because you know, I know you ve been doing this for quite some time in this space in you. We can help me in your advice. Was commercial man? Let me let me Let me share with you do with the public. Man is so I appreciate you for what you ve been already doing:

and I'm deciding out how they won't care about power, it takes or anything else when it comes to the future of any and all about children in this great country. So there's one thing: we can all agree on: hey man, so number one kid best: selling kids book little damond learns to earn retro. You gotta take us en route to the the grandkid I know I know this is so so great okay. So what was it for you. What was like the motivation to write the kids book, because you know you can write any kind of book, but for you writing a kid That's a special thing. It is you know you and I have thank god, I'm in grace, though, and blessed with three new york times best sellers for adults, and you know I'm always asked if I'm dyslexic cool and sometimes a delta, where all stuck in our own way, sometimes or whatever the case is, but I have a little beautiful new girl in my life by my office door, twenty nine and twenty four, my idea teaching my oldest daughters, financial intelligence. At the time I didn't happen.

Much of it. I said to them at you, you want a new car, you go work really hard and I'll mash the money you have and get you a new car that wasn't teaching them financial intelligence. That was teaching them how to work hard. and this little girl. I realise that we have lost our national heroes after the kids are five years old, I don't have a peppa pig to wash the more. They don't have what we grew up when electric company and mister rogers and and bob or steve ross, whatever the name and even my children are steve from blue's clues, so they know So here s the wash a bunch of children on other family, nothing wrong with this, but they're. Just watching people play with toys and unboxing it. Then I care about making was in the box. They want to see, was what's they're making outside myself. I come up with something where I connect with my little girl teach her the price says in the ideal entrepreneurship at a very young age, and I was tired, ray books to her about princesses and ponies in telling about

a promise. If you wait one day, there's gonna be a prince, become grabbing with glass. Slipper or are you no doubt by in a tower and you've been alive with seven dwarfs, I learned how to create our own glass, shipper, slipper factory or store the prints come into this. Who owns all this? I need you know the, teaching financial literacy and teaching entrepreneurship are of the lost things for sure in our schools in our homes, and some really really proud of this because it's all about little diamond. He goes on a journey of learning to earn and an oh. By the way he didn't go, work fast food and gripe about what they pay. They went started a business

and that's the beautiful part we show there? You know the show, so the beautiful part about this is like you said you read it. A couple of minutes. Go you can read it like. This is for kids, five to ten years old parents and kids connecting together. You read it. When you read to a child, you read it once every month. You know they want to read all the great books once every month, so it's casually engage, and you know when we talk is eight don't lie around, would have no boy. Cried wolf. Well now, you say you wanna. You learn that what did little damon is crucial. if this is what I'm going to be calling my life legacy. It's not about this book. I saw me heading down this journey where I want to join the day, rams the world and get other people in other states and other celebrities whatever to talk about this and to bring this to our education, educational base and our teachers and create this as a a mandate in schools and by the time I'm going on my little boys say my

He saw the conversation along with some of the great people about how we have to change this country's trajectory and stop become in the country. Are renters in the country? Are owners and really have the american dream? My man, a man who leaves leave the cave, kill something under I get home, it's good stuff, when some, when you read through this? I mean, as I should have been through it, but when you wrote it when the parents red, with their kid. What is it your hope that take the kid come away with I'm only the kid comes away with the fact that they have a scale or they have some they love and that anything that they buy. They can sell me than they do for free they can get paid for and that learning to work with in there community or their surroundings, and the thing they actually have can be of benefit to them, and not just one person benefits everybody Beth it simultaneously, and that is what entrepreneurship is about:

what I want them to take away from it, and I want their minds to open up, as they are growing up going, wait a minute. I can Firstly, do that I can get paid for what I love to deal so in order the school system. Right now is back like it was eighty years ago they were in the industrial age, they taught us, you know how to build ships, so they taught us a trade or how to be a great employee. But today, if you know what it is ideal, if you don't teach them how money works and then at seventeen years old, they can acquire six to seven hundred thousand dollars worth of student debt that they aren't going to pay off into their fifty's. Well, then, you paraded in and country of people who learn to live off of debt and until the my good debt, though a bad man, John shark tank and fu fame. the new book is a children's but little damon solar energy and up

things I loved about this from an entrepreneurial standpoint as it's not just. He learned to open his own business, but he hired, is fringe. gerda leadership team, already a production team and was delegating and- and and their stuff out to them. It was very cool and resourcefulness because, like you, said diamond and like it's like just looking your sphere and what you have around you, whose around you what's around you what's inside of you and use well, if that's for the good of your community and then you can make money while doing that as well. So all of that you don't wanna just nationally, do it. Nobody just puts it in a format for them, because you know when we were growing up. Our lemonade stand was as big as anybody who passed to you know pass the block. You know the kid's lemonade stand today is as big as the entire world. Once they push a button on this thing so yeah we will always do it and our kids do it now, but we just haven't formalized and show them that either way there's a path of doing this forever for yourself, your community and having vine and make him

greedy change. Now, the beautiful thing is your beer, helping people and they Have you as my friend rabbi lap and says they give you sure appreciation president places on yeah. That's what happens. You know I'm having so much of a blast doing this. You know what you know. I listened I'm one of those crazy hat and the reason why I say a word, as does the kids, don't care about my ten thousand dollar tom ford suit, but when I wear this hat and we all know that children are now exiting their parents' home so thirties, I tell them they go hey. You gotta create magic yeah. I'm gonna show you how to disappear out of your parents' home with one dollar into three dollars. That's what I'm going to be on wednesdays! Imagine it's a dead blind magician who know yeah! Oh well, I spent a little time with diamond. He was down back in two thousand and twenty spoke for us at an entree leadership event, and then we got to have dinner at the house, a bunch of us together and hang out at a great evening

It's an honor to call your friend, I'm proud of you as a good, but little day, money learns to earn diamond john, ladies and gentlemen, that by everyone they do That is why I thank you for what you're going to our children and our visa and this country. Thank you day. Thank you. Everybody rachel peruse, ramsay personality, co, host of the podcast that is vastly popular these days called smart money happy hour. She and camel do that you guys on a check it out. It's where culture may reach buttermilk when buttermilk, what is it? But what a pop culture pop current events and money? Ok, there we go, you don't even know about cultured buttermilk now? I literally have no idea what you're talking about perfect. That's exactly why I did that. Ok, hey in the lobby of ramsey solutions on the debt free stage, wow

and lawyer with us, hey guys. How are you? deserve coolly. Although a cultured buttermilk is ideal, you don't know me- I really am less taxes have indeed from two other negative, we're gonna happen. Half movement of fifty percent here on the culture buttermilk orton people want to know these thanks guys. So what part of less taxes for while we live in dallas now nor dallas loca go there? How much did you pay off a hunter in forty five thousand dollars farrago. How long did it take twenty seven, my ride and your range of incomes and that two years plus we started at one twenty five and in about one eighty excellent we'll do for a living. The like, his professional counselor and nigerian oil gas. Now, ok, so who got the big bump? during this time. I got a new job and he got several promotions that both of you then yeah. That's the way it works. Isn't it alright good good? So what kind of debt was the one hundred and forty five thousand everything that

saying we paid off with my wedding ring than we had credit card student wound cars have a nine month old, baby ass though she bump that up forests in june. So good should I get reboot mail? I rang the bell: how ya normal How long you been married, almost three years. We got married may twenty twenty round. The height of the wound did we alone we actually a loped of twenty and twenty, Then why did you go? Were humans were running around but that we just went to a lake near us with our hair and on the other side, waste. Any human scourge like that we went in and had our big parties who and we would not advise than if you're all re married, just go be married, don't get too thousand dollars more of that.

very barreling. There was an option that later yes m, not long after that I will look up and you say we're going to do something different, we're going to this ramsay thing: what did you do what what happened? Yeah we got home from our extravagant wedding and our extravagant honeymoon, you we're from texas everything's, bigger and taxes, and we looked at encountered. Where are we? Our money is gone out. We spend it on putting in our honeymoon, so it's I like what are we gonna do and she had been kind of nudge me or this ramsay thing was like. Oh, I don't need dave ramsey, I'm a broke, I'm an engineer at oil. Gas and so then, like one late night, I like trying to the budget, my head can figure it out. So then I was like Google's dave, Ramsay ass. I was like like this accents like this math adds one plus one goes too and so after that we cannot just took off running So it s sort of yeah. We started Davis, we were limping living

yeah, we start David, and then we got a financial coach gin parker shout her. She was awesome. She through this thing, Africa then everything she got all way through and we just currently we had a baby, and that was just like thousand last motivation that made us gay hey that we I do this like lead is for her. I once to baby. I'm too turns it up it got real. Now we everybody out exactly relies on its pretty are our goal? Was we want to be done? What baby step to before she takes our first step along? That's good while like it, so you guys, I mean look at the numbers. Ya'll did it. We all did it quick, amanda a great income, but you didn't. You really felt the sacrifice. What was like the biggest things that you guys cuts that you feel like really

and then what we're things that you added in that you're like a yacht, that everyone needs to do this to help them get over that involves. You made me some our boat in rain. Man returned, I sold my car. Well, we don't some stuff yeah. I was a ten ninety nine employee when we started this and ever was very worried about what taxes words gonna, look like Everyone needs someone responsible in your life, because I was like it's fine by we saved and saved and saved, because we are scared of what income tax was going to look like, and when that time came, we actually only ended up paying. I'll bet, and we had eighty five hundred dollars left over we found a cream puff car, two thousand seven. Four the edge sport for eighty five thousand dollar. Eighty five hundred eighty five hundred years of nobler, really so ordered yourself for

We actually ended up having to pay my baby, well eighteen hundred, but what did itself or total what was the total to twenty two thousand of the one? Forty five? What the boats offer the twelve five okay, what kind of boat gives bass boat? Okay, alright, so you'll get anything you want. Now later you approach, the deal. I get a suburban, he gets a boat or we go with cash. I like it, okay, so what was the hardest part cause? You just had a baby in the middle of all of this. So what would you say, though, was like ooh? That was a tough. Tough thing where there was a sacrifice or obvious having a baby is like wow. That's all that's a lot in the middle of this for us as like our young, we should be having fun. We should be going in seeing the world, but like another way back it's like why we would have just done stupid things. So I went and saw the world, and so instead, religious now are old. We can appreciate the world yay

No one else later you can live and give like no one else. We also did rover dog sitting. So for me this was the hardest part, as events went to go his family at the weekend that we were doing christmas. Rover in I was pregnant and I had twenty three dawn and by myself and it was pregnant. So he was only gone one night by you will never get ready for this thousand dollars in a week. It was worth it serious thousand step. It is worth the sacrifice. O rover yap will pay. You load money row, her come over hallmark, wow! Well done you rise there, that's a hard twin four hours. There Yes, that's does ridiculous, you're really ever mother. Do that prepared me for my dad's right and then some wow way to go on now when you're for looking at you- and I thought you were crazy- how'd you keep going.

god number, one for sure, like we were at the height of our money It was there when we at the bottom in the valley, he was there and now that we're back, on top of the mountain yet, but we're working back to tell him he's right here with us I think, a good steward of the money god gives you he gives a more money to be a good steward of As for the bible sheriff, when your faithful in the little thing should be given more to manage very well done good for you, very good actually and I, like the impressive, impressive, who wished who was cheering iran from the sidelines? I'm. So I grew up with the Dave ramsay issue life. My parents are gonna watch list and be ashamed of themselves, but we did it. We did envelopes on and off my whole life, and so I knew what it was I just didn't know like. Is it really that sustainable? So our parents have been both huge supporters? Jen parker are financial co. She

just into shape. We actually got her cause. I was like: let's buy a house. Nevin was like that's not what we're doing right now. It's like, but lots of people do it like pie, and so then we actually yard fight her friend holly who's here with us, and it was great to have someone on this journey with us who understood when we said we can't that's not in the budget! We can't do that and then she would say the same thing in our like. I can't do that will not in my budget the live and give bundle for you. That's the baby steps millionaires book you're on your way being by millionaires, total money make over book and a financial peace university membership, so you can use them, are given away there there for you, thanks for making the trip and I You brought little eliza with you and she is a happy kid been laughing at her she's laughing at everything over here he's great how old is eliza all oak she's was ten months

and she's fun and she's going to love the microphone that is good, I'd ever laurie and elisa Alonso. Your life has been changed. Your family trees changed get one, you don't even know it hundred and forty five thousand paid off at twenty seven months, counting down zero debt, free scream, three two on we are down. This is the rams lisa. our scripture, the diverse corinthians. Sixteen thirteen beyond your guard stand firm in the faith, be courageous, be strong. my angelo said without courage. We cannot practise any other virtue with consistency. We can't be kind true, merciful, generous or honest

good like rachel cruze ramsey personality is my co host. Today, John, is with us in Dallas, texas, hey John, welcome to the ramsey, show, hey y'all, think traveling sure. What's up, I'm just trying to figure out how much house, my wife and I I can afford if we plan on paying cash while good for you obviously can be limited by how much cash you have then show start with that which the game plan Well, we have in checking These accounts we have about five hundred thousand and then in brokerage account another investment accounts. We have about two million, and then we have a rental property as well that about four hundred thousand paid paid off. So gets. Ultimately, all we're trying to figure out is how much can we afford? jeopardizing our future Obviously you ve done a lot of wonderful things. Congratulations, our three million dollar net worth? How old are you

I'm twenty nine and my wife is twenty six, while we're done money come from swaying, unfortunately win my my life's mother passed away. A large chunk of it was an inheritance where a majority of that came from lookin. I'm sorry for your loss, and show you know you ve got this responsibility be a honoring of that legacy right. That's why you're asking too get at wise question like you're asking. Okay, you show a rule, farm in general as we deal with wealthy people- and you are now officially in that category the larger your net worth the smaller the poorest, two, your network would be in your personal residence permit extremely dynamic. Let's say you at a hundred million dollar net worth if you bought it. five million dollar house. It would only be five percent right

if you had a ten million dollar net worth and you bought a five million dollar house should be fifty percent, so you Do you wouldn't do that ok is an example. Show that they did. larger your network. The smaller should be so if you have a small net worth luxmore much smaller than ears, like so yeah a one million dollar net worth and if wouldn't even want fifty percent and that if you could keep from it, ok, it is not the end of the world, but I show we don't want to go north of fifty percent. I can't think of an situation where I would go north of fifty percent in your personal residents. and so you know that that limited so that that that gives us a number to start with, say: a million and a half okay, then, scaling back from that because Your personal residents, while it does go up in value, does not create an income. Other investments create income and the more you move from the brokerage that's invested in mutual funds into the house that

every dollar of that becomes dormant. When you move it into the house, are virtually dormant, you sure I'm saying yes, sir No! I don't! I don't put you in a two thousand or house either but somewhere south of a million million range. What were you thinking? Well, it you know, somewhere around there were also in the middle of a life decision will have to state that were originally from. Lot more expensive than than texas and family of bearing with my life just graduating or trying to figure out. What do we want, here or there? So you know if we were to go back there, for what would you I look for I would imagine it would be in a in a million dollar range and then here in texas, I'm something comparable, probably between seven hundred two hundred thousand is my rough guess: yeah that I don't think any of those you're gonna fall in the dumb category of what your household income gonna be with her graduating. With

graduating it could be anywhere from two hundred and fifty to three hundred thousand a year depending on the starting salary. Does she get ah wow? What what does he do When is she going to be doing she? She, a physician? Ok, that's great! These are in a great position, John witches, which is awesome, ends. You know the hard thing two comparing real estate from dallas to wherever else your comparing where it where it was a california new york, colorado, colorado, kay, the math still doesn't change right. So, like the percentage, I don't you guys think justifying While this is a, expensive area. So we we have to be, we have to spend more for some reason right and you start justifying a crazy purchase. I think you're going to, but always be aware of that, because it can be easy justice I well what we what the house it would have had in dallas. If we have that here, it's gonna cost this much and you just.

make it this this equal thing where it's not right. You have to plug in that math. So just be wary of that when you guys are shopping, if you guys choose to go to calc colorado, don't justify well, these are just higher prices. So let's go a million and a half year eight, and and do something that you regret. The legislature and then you work into that. But the seven hundred two million none of those numbers concerned. May I think, they're all fine, ok a kind of back into their you're with me, as I was discussing it with myself. Ok, ok, you heard me walk through that right. Yes, and so the idea being that you ve got couple of million dollars. Minimum there's gonna generating income, Oh, you live in may and are or less house and you're gonna, no payments anywhere in your world ever to swear to that, and you have it: interpreter: three thousand dollar income, and so now yours in your fully funding for a one kazan roth I raised so you're gonna

old, several million ten millions of well dollars of wealth with your income aside, on this inheritance within a decade or two If you'll just have to stay in control. Here and whatever you do. You pay cash for it and you know- and you know and have sure that your allocating some percentage of your life to enjoy some of this money to be gender with some of this money. always to be investing some money. You be doing all three all the time most of us struggle with leaning too heavily on one of those or the other. and I dont think you're going to, but just watch for that. Just always be we even teach children this parents, when their teaching children teach them to to joy, the money, that's why spending

by some things that are nice. You have three million dollars. That's ok have a decent hurry up or two here or there you need to do that. You got three million dollars. You make three hundred thousand dollars a year. That's okay, but be outrageously generous it's the most fun you ever have with money. Look for generosity, opportunities and grow. That muscle and then be steadily generally concern gently month in a month out automatic draught from your checking account. My draft out your pay check going into your for a one can be an investor, be doin all you're, only just fine man there really out so well done on remain. That's that's credible, an just the diligence to of asking these questions, I think a so so incurred So I'm excited for you guys, and I always ask myself to show some of this came from. You know: grandma or mom what is honouring their legacy, which honouring their memory with this money and so

in am I doing something that help me car check myself being a little childish or irresponsible. Our A control or something is agnes, is that making mama haven't smile? When I do with the money and are you don't want black, be guilt trip and that's not what I'm talking about, but I just can't check shoe and says: ok, that's out of control, but if you bought an ice are what should be smiling that reasonable yeah. She would be specially for kids run around in other stuff. I think it's interesting, though, because people that work, the babies a lot of the time we hear my gosh, we gonna babies up seven where they are, and it's hard for to spend it's hard for them to go back to that. muscle of enjoying their money I fight. That's that's a consistent call. We get, or even their babies ups for through six we're gonna get out of that intense phase of the that yeah you're you're good like this is the reason you did stuff so e honestly, even allocating

forcing yourself to do two things or uncomfortable, so whether that said that whether it's spending have an amount of money that you're like okay, we have to practice spending like we for some people, that's really enjoying yeah and in for some people at saving, and it's like having this number, even if it's not your natural bent, you still but over and over and over again so putting down on paper me intentional with that is always really helpful, good stuff, well done without about puts it particular hour in the box. Rachel good show today

this hour in the books will be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's to walk daily with the prince of peace, Christ, Jesus, the highest rachel cruze. If you like what you heard in this episode and want to know more about getting started on the ramsey baby, steps go to ramsey solutions, dot, com and click. The get started button will help you figure out the best next step for you, based on your specific situation as ramsey solutions, dot, com and click get started. Page drinks producer of the ramsey show. This episode is over but check the episode notes for links to products and services you heard about during this episode. Thanks for listening,