From the point of Wednesday solutions: broadcasting from dollar car rental studios day. Ramsay show that is dogged, geysers, gay and paid off old mortgage has taken the place of the Bmw as the status symbol of choice. I'm Day Ramsay your hosts. This is your show. Thank you for joining us open phones. This hour, as we talk, Your life and your money, it's a free, call, a triple eight eight to five. Five thousand two hundred and twenty five, that's eight hundred and eighty eight eight hundred and twenty five five thousand two hundred and twenty five

Starting as our off shore in New York. I surely welcome too, that I Ramsay show. How are you better than I deserve. What's up I'm quite because I need your opinion about my current job. I have a pension grandfather and soon in almost all systems. I've been there for about five years now. My question is: are looking for moves to another state, I dont know if I should pay and wait for the pension or just go for another job with another pension. What do you make me a hundred and fourteen? What do you do

Our collections and you're thinking about moving too, where taxes taxes and what would you go a kind of field? Would you go into their? How did the police department and what would you anticipate making there? It would be a thousand a pay cuts I believe they start at twenty three to thirty in our. I think after you do the academy now, doing your baby, that's bad about ten thousand dollars. You laugh, which of course, I'm going to wipe out before you anything, but so what're you moving to Texas for New York has become too expensive. Ok but you're talkin about fifty thousand, our your income of seven hundred and fourteen I'm, not your income. New York is more expensive than taxes. It is not twice. So we need to do a little different thing on your career,

is there. Anything else is drawing near to Texas in particular,. Just getting away from the snow and that's pretty much, the family? There you don't ever somebody's drawing you outside of work and money and warm, not bend? Warmth, ok! so somewhere in the south, in other words, what you're saying and at a lower cost of living, wherever you could get the best possible law enforcement of job cassettes. Obviously, your passion isn't where you been trained, and you know you're comin, out of corrections, you're going to police work right now so Mean Texas is one one blushing hit at, but obviously you could not nothing saying you can go to Georgia, Nothin's ain't! You couldn't go

Florida ripe and so on by anyone, I'm not trying to sell you against Texas. Texas, is fine. It's wonderful state! Anyway! I would not make this decision based on the pension. I think you need to make the decision more based on the other things. Talking about here- I want you to find a better job than you have in your mind. I wouldn't cut my pay and half pension or no pension. I mean I and I think you have to buy the way if you have a plan where you say, ok, my land, I'm gonna, make sixty year one, but I can see a path back and the or ninety well yeah, that's gonna equate fourteen in New York just taxes alone. New York's taxes are ridiculous. That alone is gonna? That's gonna set you free vote on income tax, free state, misguided, that's gum! That's five! Ten thousand bucks for your right. There,

shop now, then, what I would do is with your current pension. You, if you have a level of vesting- and you may or may not after twelve years if they allow you to roll over a lot Some. I would do that. I would take a lump sum distribution and roll it directly into and I re- we're theirs- don't allow me only there. What they'll do is no best me out and then pay me my what I ve learned in my pension the day starting the debate that I was supposed to retire. Aka, we'll get it, but you'll get it lighter interest to reduce them out. And then, the new one later, if you do pinch there and The two together would probably come close to equalling what you would have gotten anyway, so you're fine, it's a break. Even in that scenario the last thing I comment on is I don't want you depending upon a pension for or retirement. It can.

Pardon? Now you can be party and plan, but I want you to use your baby stepped forward and put fifteen percent when you get there into yourself, but it put it into foreign case, Roth erosion economy so that you ve gotten aside from pension money over and above pension money to retire with. I am honoured to have you listening thanks for colony Jamie is weathers. Jamie is in palm Springs High Jamie. How are you It is an area. How can a hurry Well, I'm very new to your education than about three months now and then getting ready to my. We embark on step two and I decided don't know where to start. I've got a handful of things here, to break it down. I went through it last year,

and I also had a medical condition that came up. They caused me to not be able to work much nine Montalban year while and for my income was completely heaved and there well, I went from having their own debt, like last June tat. I have sixty Cuba, one hundred and eighty one dollars in that as of today and then a couple medical bill, but I haven't opened yet better, be adding to that others came breaker. From a debt is that one, So what do you want it? No. I want everyone chronicler about how much credit autocratic are credit cards like marauding credit cards about eight eight thousand, two hundred. Ok, I would add that it merely the medical bills. Then. I am aware that the moment of seven then, and then I had in August taken of its content- long enough for me

I'll call you for ten thousand six hundred dollars. I wonder what did your little about medical Gulf ok about off can I needed to continue paying my health insurance out of pocket and a man so my Understanding of other it was that the six hundred dollars was a fee ten thousand, I called yesterday to I'm getting money my baby girl, knowing it had made between. You know: ass three and four thousand dollars worth of payments already to find out. You know what the pay off and they've subtracted three hundred and forty three dollars from that long. I was not. Aware I blissfully everyone is under on their alone. Three fifty three point: seven and I only found out yesterday what you, what time it is, fifty very five, three three

seven lawyer autumn adequately with calling for my bank account, which I have heard you say the bad thing one only if you fight with them and if I were the murder winning, would show the other twenty five thousand and death ok, so I only given me to a variety of sixty The map is off, so I can guarantee that long years ago, although like, if we go back, must break with the problem of your foolish girl. This is that over amnesia I love talking about companies that know how to do business right, you ve heard of grip six belt right. It's the only bout you can get online with no holes, no flap and no balk. I'm talking weightless and the book

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seven thousand on medical thought. She had sixty two thousand dollars and that so, let's get to the bottom arrest. Erica's, that's twenty five where's, the other thirty five year term, a cheap cherokee. Deep grand hurricane and it, up in the worst kind of situation. I also have a house had happened, the divorce. Basically, my axe got killed. House in lieu of alimony and I like to keep the cheap, but I saw the money on it, I want to sell it or whatever, however, like the clause and the divorce that may get, they get it get over and continue to make the payment in January for Twitter, before the of the house and I have to be paid off early financed at that time, ok what I want you owe on a jeep on six, forty one and forty one.

The second item, thirteen dollars per annum about ten thousand six thousand, depending on where you live it up to the divorce is final, but that's. What's a divorce decreases on those two issues, the Turkey in the House near ok, and he's in the house yeah. But your names on that mortgage in your names on the job, his name's on the jeep crummy divorce lawyers. Her voice, slingers. Unfortunately bad news- are you working now, I'm back to a time of the year I bought. Cheap and when everything was gray, I was in like a suddenly I may come a seven hundred and thirty five thousand range, but last year I need forty thousand dollars. What were you doing? What you do when you may once have before your eyes out properly, your team triumph.

I may reasonably. Suddenly you can't get back to that now. You can get back to that yeah. I guess we'll get back tonight, it just gonna? It can take them primarily them back to accept any weak. Ok, good, I'm glad you're health for covering you ve been through healthcare. Oh, what a mess well, do you have one other thing? How can I going through all this, you know yesterday when I found out about alone. I was looking at some stuff and I I you know was turned on. You buy a frightening call to mind the happening and ass. She was give me that I was contributing talkers that lie on retirement, but without book I wasn't even Omri they wouldn't in check yesterday and there was a company. I I'm sorry that was sold and like the dividend which must be transferred into my phone gay rights or whatever.

Weekenders like twenty six thousand a day, can absorb and there like. What have you? What do you want to woven into something else? I am making a funny and am I to take it. The cash out, and the only thing I would pay is twenty percent like tack, but let's put aside for capital, the longer the wrong information, twenty percent with holding it is not a twenty percent tax rate. Without action and on your tax rate when I remember he arranged with how the twenty percent target for attack- I guess at the end of the year I get a refund or appear whenever you're you'd pay more, who a few mocha hundreds of thousands who buy more on ya, take that money and pay off the ten thousand. Ok now than or the other day, I, the ten thousand fifty three percent Oh my gosh, all ok, yeah I'm gonna get you. If you don't get your ass back up, if you don't get your income back up to six figures in six

Tunisia was Jeep and if you do get back up, you got here we paid off regardless of the divorce degree. You gotta get rid of this that a forty thousand other card that is now going to cause you to win with money so if you need to go, amend the divorce decree and pay an attorney to get some dad gum common. Hence injected into your nightmarish Matthew, had back there. That's fine, but this cheap debt has to go away right now, the ten thousand dollar that goes. Why am I the rest of the money above that to start paying out medical workers cards were going to listen, smallest largest and get an attack mo, that's all gone, but also our pay off the jeep, and if you have to pay a lawyer to go, get that figured out and do that common sense, as opposed to the way you're divorced decree put together, which was ludicrous, You need to have a separate life in India, own your own freakin car and not have stay in debt till twenty twenty four war, so toxic and ridiculous. Show you gotta

that and you got to work around it but ya, take the money, I now immediately and pay off a ten thousand dollars at fifty three percent and then, let's take the rest of your bats and put you on baby step to which is the debts. Ball list, your dad smallest two largest pay minimum payments on every but the little one and attacked alone with any money that left over work. Your way. Down. That list is bastard again and it's comes in your work? Your way down that list, your largest debt, not counting your home, being the jeep it'll, be the last one you get to but you're gonna have to come up with a plan on how to deal with a divorce decreed by the time you get there, some all about wow. Well, I'm glad we're here to help you hold on. I will send you a copy of the book the total money make over, which will help you Oh, how to lay out this whole baby steps system. I just did for you and exactly what to do when and why, step by step by step, so you can do this, you can do it. You ve been through enough

off I mean you, you're, scrapper, you're gonna, be all right. Thanks for the car. Jessica's Withers and alcohol. My city, high Jessica, welcome to the diver, show hi Dave, what's up a well to get year? Financial advice where to call my step, one emergency fund how to handle small payday loan right now. Then hasn't been working as much they're, not he's in the failed to move drugs and arms. And then any rig move lately fell not good bringing in as much as he was still not having enough income. I am completely put off the market alone- oh Lord, go now, I've got them. Calling me: how much do you only? How much do you? Oh, these loan sharks?

all in all. I got for loans and in all its three thousand dollars lookin Ok, so an why number one You never set foot in that bill again after you get these pay off. This is people staff you gonna, be pour your whole life. If you do this, you are being completely eight hundred percent interest, Their loan sharks? You can ever go back in there. Do you hear me, a guy understand. One hundred percent number to your household is desperate enough because of your husband's drop in income that you did this stupid thing. I've done stupid things too, I'm not pick and on you, but this is stupid. Ok, so we have to the desperation on the income. If all right are moving. Then somebody has ignored, go move, something, maybe pizzas, door to door on these hard short deliver peaches. Tonight you make the thing under two month: liver basest. You know five nights So today is the day baby.

I got a lot more handy. Let's cut some yeah? I didn't. I didn't think about that. Honestly. I Martha died. Young it'll go into work, though, bringing in as many our yes, I only off hours, you're going to pick up some income. Does your household getting desperate? Did I miss something now. Not many people wonder into payday lenders that aren't desperate, I'm assuming you're desperate Yeah, it's scary, admit it, very scary and now they're they're gone after. I am well, there's not enough! There does bullies, don't worry about them. So a thousand dollar saved. You said now I I'm trying to figure out where, where the pole, the emergency and what kind of income they currently have. Right now, he's bring it about. Seventy thousand. Ok, you couldn't leave at well

We care we're running in here right now, as we ve got away, it's gonna bet going through and then before We had another wage earners and memory loss Two more wage earners. Men like that lived out of control for a long time time for y'all. Stop this hold on we're going to hook you up with one of our coaches and pay for it and we have achieved an attribute, reverting to pay for it. You been eleven in desperation, the desperation for a long time is number. Stop it stop this right. Now he make something about you. You're broke. This is the day when we talk about a daily character matters. When I'm looking for team members, I'm looking for men and women who have character, people with character care,

why my team uses linked in jobs over six hundred million members use linked in to showcase not only their work experience, but their skills and interests with linked in you can reach candidates. You can't find anywhere else so that you can find the right people for the right job get started. Visit linked in Dotcom slice Ramsay and get fifty dollars off your first job posed terms. Conditions apply, ram Z solutions, Daniel and Rosalie, or whether a guy's. How are you a data bank is somewhat parameters, absolutely were glad to have. You worry you guys from where you live with a Westchester counting the Ark

ok, cool, welcome to Nashville and all the way down here to do a dead for each group, s say love how much of you guys paid off three hundred eighty three thousand seven hundred and eighty one and twenty four sets good mesh along those take thirty months Thirty months, what is your household income started at around a little over two twenty and then then we ended up around three sixty wow. What a monk we'll do for a living I'm an you. I am all there we go over and I'm arrogant, ok, good, wow, big numbers here, so I'm guessing med school dead. What else that recent events both of our airlines, chef debt, Oh yeah, I see how Ford you trying to reach. I went to the contrary to do to America, I would say I'm in that book. Hyde Park in Europe are open, our. I got fine good,

you guys why how to Burma careers, but debt out your ear, Manka area. So how long have you been married have been Mary. It's going to be four years the September. That's right! so you ve been married for years, but a couple of years and the marriage you look up in this matter. Standing in front of you and something happened, and you get an attack out here. What happened? Well. Actually, it started about Five years ago I was finishing up residency I knew that my income was going to increase and I had done the stupid and put my student loans and forbearance, and it was this the growing interest in well to make any payments, and I sat because my father in line, I said, I'm very nervous. I don't know I'm kind of really nervous. There are no had a hundred money, he said read this book, we we read it and I was like who were not ready for that. Just quite yet. We have to find a way

they're gonna died. I wanted some joggling we got married and for our first Christmas as a married couple, they bought us Financial Peace University is persistent. Yes, So we are so happy that they're here to celebrate with us, because we are not just in Hamburg- So then you end up early in your marriage. The universe year show your marriage going through financial vision. Firstly, and then you go. I think I can do this now ready to go We gotta mass, but we got it. We got a big ol boy, your big shovel, yes address and Thou hast thou hast thou is, if we didn't upgrade least we live in a very small too. Durham Apartment, we drive. My car is now fifteen. Years old or look doctor. I got stopped at least the first year was working like three or four times like you cannot parking this doctors lot

oh no, I work here. I am adopt measures that are not broke. Doktor, though you can chew, gonna work, Go you guys. It's funny. You couldn't get the doctors lot. What were you drive and now that I have an offer for escape? You go as far as the Dodgers lie with, so you sit down together going through financial vision of our state aid. With all of that.

Mountain almost four hundred thousand dollars that had to be a real overwarm. It was it was. It was very. You know I had spent a lot of residency just with my head in the sand and and when I came out, I looked, and I was like. Oh my gosh, it's in four years crude, almost sixty thousand an interesting I will that's kind of was when I need. We need to do something, you do something and we just went alone, and it was great throw you show them that the budget is a local will its game on exactly what happened we as soon as we realise that we need to get on board with the plan. The budget just became our path and when we added hard times, and you know good times in bad. It was always we were fortuitously working towards something. We knew that at the end of the day, the sacrifice, the delaying gratification would all make it worth while in the end a mere good sheriff, knows how to follow recipe that we go together, a spirit

renovating on my chocolate cake. Are you not right? I know it's just follow the recipe, so it's a system and a process and both of you systems and processes and certainly Rosalie The delay pleasure cohesion school after dad gum life hands. Get out and show you delay pleasure in follow up process you can get through this right. That was the hardest part, though the states being able to say ok, we're not gonna we're not going to buy a house, we're not gonna get a new car we're gonna. Do we have to focus on this and focus on this, and it is very difficult because bunch of our families and friends are buying houses and all my friends are getting going with their doktor lives and has now we got this big mess at the spring s daughter

where's would go back to bed and I go about your house's Logan Bargain a lot. But what was really helpful is halfway through. It was almost exactly half way through Rachel Cruises, but came out, and I was like I need to listen to that end. It was just kind of midway through is kind of like reinvigorating and just helped. Focus me again. Low is alive mother and I can have like listen to listen to my car and also casts a k. It was. It was a very good way to help motivating motivated me.

Neat, very neat, very cool. So what are you tell people the key to getting out of debt? Is you pay off three hundred and eighty four worth Paulsen dollars and thirty months it was. It was all just due to the budget we stuck to the budget. We stayed within our means. We didn't get caught up in any thing, and you know we we didn't really have any fights about it. Just because I, like I mentioned with its just, we were working continuously towards paying off all of our debt and receiving that goal it was it was worth every minute of it which was herculean lifting her main, but me now you have no payment. You make through sixty thousand dollars a year, as I feel you know it's China. This is our vacation celebration. So I'd like all we can buy stuff, go out a lot of their boots. I think you need a car.

You think I am beginning to go home and by car. That's that's on the lesson. What's the big celebration thing other than coming to Nashville seriously, what's the big way, you're going to say something big, you been home off old and often old off. As regards aroused, what is, will it were in baby step, three b in saving up for account for house yet mocha good good for you to give way to celebrate I've been hearing for the past. If there's a purse somewhere out on orders, a really really nice, that's it we're we're talking approach that really Better than the car or a car or a car, or both the way to go, you guys, you live like nobody else. Now you can live like no one else, I'm sure moment at or just so brother, unbelievable, the other buttons are bursting over. There were saying good good for you guys world a copy across shoguns returns. Barred book will add that to your collection with Rachel's book in the as well, and that's the next chapter

your story to be millionaires, you'll be there about twenty minutes and man, a man and outrageously generous along the way enjoy your money. Give your money investor money. If you do in those three things I'm really proud of you waiting on now your mom and dad I'm proud of you, but we're we're. Look she going to. While you are in need couple: a lot of money involved here, but the ear and neat couple. This is very well done and along the way you had a baby. Yes, we ended, and by his name is her name is coming here. Come me how this can be? Yes, she is fourteen man she's here for the debt free screams embedded changed her family tree well done annual and Rosalie Camille from New York City. Three hundred and eighty four south top offers pay of them. Thirty months, making tutor the three sixty, though man, their futures, bright, counting down, let's era, british groom three to why

those numbers in our motion. Listening you're doin, my three than sixty dealt well understood you three and ninety four thousand data. So I'll buy ratios in it. The ratio of your income, to the ratio of cool that you're on your back

above all year, one thousand deaths Buffalo membership. I just gave it running right. This is doable. When are you gonna start? How can you go start? This is the background to show where those hard for Connecticut of that I Ramsay showed rising from my car sure put my quite. I woke up on Alison Clan, where I work has come to an end terminal in February of this year, and I was the latter in the mouth and there Rather, I want to take the pension as mobility on I've, attire and without getting them.

Eight hundred dollars a month or whether I wanted to take it as a lump sum payments of sixty eight thousand dollars and global her into my factory Take it as a lump sum and roll it to your fora three or to an higher re. If you can, but the lamps better and here's why? Ok, Macao help you with this the Sixty eight thousand will grow True enough by the time you retire to prove I'd you with eight hundred dollars a month at about seven percent, six percent: that's how their pensions are calculated, If, instead, you took the sixty eight thousand and invested it into good mutual funds and made ten or twelve percent, you would have a More and more for the income off of it would be more than eight hundred right, ok yeah for

thing is: when you die with a pension monies gone, does with you when you die sixty eight thousand, having turned how old fifty yoga some fifteen years. If sick, eight thousand turns into three hundred thousand, which it probably will and you'd die. And that's in your eye array. Guess what there's three a thousand dollars for your airs and your I re doesn't die with you so you're, better off when you alive to take the lump sum and you're better off dead to take the lump sum so we take the lump sum, in Europe too, an IRA in the good growth stock, mutual funds with long track records get with a smart. Mr Prodi, help you do that? If you can, if there wiring new to put it into the Fora three B. Are you put it in there, you can probably move it out for a one k, you're not allowed to roll out. While you work there before three bay, you can roll out why you work there, so you may have to do it.

A two step procedure: a math role under the fourth three billion them back and then on out to an IRA but you can get it out to an IRA, and I always personally, invest and suggest people and to invest in evenly twenty five percent and each of four types of growth, stock, mutual funds, growth, growth in income, aggressive growth and international with long track records five ten fifteen year or longer track records where they ve been on them. And after a while and you can look and see how they ve done enough markets, how they ve done and down markets. And what you're. Annual return has been, would have been had you been in those particular funds and its very drifting to study a little bit. And so, if you need some help with that, if you dont have a mutual fun broker to help you in advance, They help you jump on dive, Ramsay, DOT, com click, smart vesture, put in your stuff here, motion drop down list of smart vesture, prose to chew

from in your area. They do not work for me their patient endorsement fate, we are you know. Vat them very carefully to be the right kind of people that we send. People too, shall smart vesture prose. At Dave, Ramsay dot com by clicking smart vesture. If you need some help with that, Portland Oregon Casey's next time, Casey. How are you I gotta know better than I deserve. What's up a little over thirteen thousand. And I didn't know what I was doing, the one third shower: till I can, I think, also apply here- without thousand interest, heard what thousand think I'm sorry, I didn't hear the last part of your question say it again. I got the planet like lead you to get my car back. Look very,

and I'm wondering if you think about it voluntary positions, never a good idea because going to have a car and salad and sue you for whatever it doesn't bring. What car worth today. Do you know it's worth about eleven tat? I still have to kill that five run And what do you make a year I make about forty. Your single yes and how lorry twenty two now I would suggest you work your bought off and get our really tight budget and save up the difference so that you got a couple thousand to write a check for the difference and let's sell the car in that It's you out of it without them chasing you. If you hand them the keys back, that's called a voluntary repossession and with a regular report them they take the car and sell it and they want the difference anyway. The problem is

What does repose sell for a lot less than you're gonna salary? For so, if the cars, where Levin they're gonna sell a car for seven and Europe, put yourself when the whole, instead of one or two in the hall, and so you do not want to do a voluntary possession on top of that destroys your credit, of course, but that's a side issue. The big issue is you lose control of the transaction, and so you I saw the car pay the difference out of pocket that you ve saved up some money into and then go get you a beat her for thousand dollars and with the payment in paying ghetto. You save up money to buy better car real, fast right yeah. I can in fact before the man knew some unusual over five hundred bucks a month and ten months. That's five thousand dollars there not be pretty cool. You could do that. Won't you, let's get you about a thousand or two thousand dollar car right it I can get rid of this one and not get dinged

and then start seven five dollars a month, while you're driving that two thousand car for about ten months and then you'll move, about a seven, eight thousand or car about back up where you are now yeah. That's only a year away from now, but you gotta, you know you're gonna get our really really tight budget on unaware. Your money have been gone. The jamaican forty thousand and die that's your only bill. I want you beans and rise rice and beans, no party and no aid, now no more we have spent, we gotta get mess we made. And the bad news? Is you did a really DOM thing sign up for a nineteen percent Karla the Good NEWS is your twenty two and you have the rest of your life to live. Never doing that. Damn thing again,. You learn that lesson early and much more The outline do something stupid. Unaware wonders I'm stupid, but I try to do so. But why such mother, the Good NEWS. Is you got that one? Although I have one last thing for you to do stupid, you dont you fixed it not impulse.

A car by a car or bad credit. Let a bank rip you off cause you weren't thing And you had the fever, I need discarded maybe maybe new, topped yourself into stupid. And You'Ll- never do that again after this pain. So that's great nosegay, you ve learned that lesson you ve graduated from that clash, Chelsea is weathers in Dallas, Chelsea how're, you, I think from attacking sure, my husband and I we are looking to grow our family. I'm sure there's a lot of couples at our situation. We both work full time but childcare, cause in this area to bring about a thousand dollars per child I, the combined income of about five thousand dollars a month Another child were looking at thousand dollars and childcare every month- and I just don't see how make that work, and I know this is landers things of you waiting, had the money. You'll never have another child, but we gonna be foolish either agreement, allows think that

What what do you make an ivory two grandma. My husband brings how about very so. If I were to stay home you break even then it would be pretty tight we actually make downing over two thousand dollar childcare bill. You make money cause. You know your costs or less kids are at home, you don't have to the other. You have associated working driving to work, buying closed for work, buying food law, at work. All I can stuff goes away, and so yeah you don't if your childcare early gonna be to grant a month and you're, making two granted done my chance, you're right. I ve learned to live on his income, It's really only as a thousand dollars difference, and you are now sought two thousand dollars. If that's that's, actually on child now? She goes across the street however, here too there are seven. These joint charter, this tunnel, there's a day. I watched her, but you, let us know in the next year or two

It's not gonna be able to work fell. The other option is to find someone like that then watch to children. And there are. There are those out there. You found this lady Enzo about, but if you're if you're, only reasonable That of analyzing- this is two thousand verses, your two thousand on our income than you know that that's your right you're going to have to run your budget out where you live on his income and figure out We can do that. You can make money from home like a business, boutique idea or something She right out there

without option, of course is not the only way that allows would find the equivalent of Russia than do you old teacher them move in that direction. This abuse that over em to show hey it's Kelly, associate pretty certain funds benefited Abraham seizure. This episode is over, but if you heard about a product or service, it didn't have a chance to write it down. Don't worry! We list everything that is mentioned during this episode in the past has shown that section thanks, though, if you're looking for fun,

practical ways to save money in your everyday life. You need to check out the Rachel crucial upon gashed from Bunny export. My daughter read your crew guises, Rachel crews and I'm so excited to tell you about. My party has a lot of you following paychecks paycheck their ends ass. You don't even know where to begin that they have this need. This want to get in control of their money, and if that's you, you have come to the right starts. So each emphasising get a time of inspiration and practical advice not subscribe to the rates of crucial podcast makes region. Today there are more from the Ramsay network, including the Rachel Crucial wherever you listen, the pod gush, hey, it's just producer of the Dave Ramsay show this