The, from the headquarters of ramsay solution. It's the ramsay that is dumb stage is gaining in the bay of mortgage has taken the place of the medium w status. We help people build well worth that. I love build, create actual real amazing relationships. Gentleman Ramsay personality number one by selling author- is my co host. Today, as we answer your questions about your life and your money, it's a free call, a triple light.

Two five: five, two to five triple eight, eight too, five to do. Five renee starts out this hour from harris burke pennsylvania, high renee. How are you. I'm good day. That's nice I'll, talk to you and can you drew what's up? one, because our baby, suppers, and so I have my own baby steps. Seven, and we were. We were only to get land from my relative even going to give us a piece of land, next door, current property and east change. His mind is not going to give us the land any longer. He want the charges. Sixty thousand for a lot better My problem is is easily told us that in thirty thirty days ago and

we are now we are not prepared for that. We don't have the money, we don't have the cash and so we're looking because it's family land that's been in the family since the sixties and it's currently next door, poverty and work Fine that We don't like. We would like to build, maybe next to us at some point or more, not least, not keep a home another home from being built and so would want to know why take out alone and, if so like, I don't want to take out alone, but I'm I don't wanna also loses this family land. Now or never. He lifting it tomorrow and we're looking at taken out a few on up on our current home and we we do on our current home. You don't have any money who knows savings, we just completed your plan here in january policy of final vows and january. Yes, and you don't have any money in retirement, investing at all

we do. We haven't. We have and we are doing arm thirteen percent and it's more because I'm like obviously rich davies, have seven so we're doing and how much is in your image of thirty percent, I'm twelve thousand okay? What's your household income. About suddenly found an return. Well, that's inconsiderate on his part, you're kidding Much bigger husband saw the family unfortunately, it's mine trot, knocking noggin on him not on his noggin, we've tried weight

offering better deal. We ve tried offer and fifty instead of sixty, we always tried everything- I think I'll kill you make us more oil, a world where you're giving it to you to selling it out from under. You answer so he had cancer for at least the last ten years long and latino, and I'm trying to get cleaned up for the medical, we'll build our extensive, always trying pragmatical bills. Yes, he's at financial adviser has advised and not the poor from as investments, obviously, because the markets down. the pay, those medical bells. Oh he's well off, because my my own, On past so he received the raft of inheritance from my grandparents but I'll them.

your dad's portion didn't past thirty. You know we're ok,. Well, I've asked every question I can think of. I dont borrow money. and I don't like being jerked around- in the deals that are aren't. Timing shy, a tendency to walk away from this kind of thing, but made because I'm just show rebellious, and sometimes I do it to my own detriment. regretted it before and arm. So I'm trying to be a little but even keel. Could I'm pretty tiktok journal uncle right now? Is the money to pay is matter. One does not need money to pay his medical bills he's got the money by his medical bills and dramatic those aren't that much he's got insurance not even two thousand right and has got plenty of money

ten thousand dollars out of a stupid investments. It wouldn't kill him in spite of them the markets down, I wouldn't pull it out, because a mortgage down, but I would pull it out before I broke my wife, to my niece. On the other, but on the other benefits for him is that there is another lot next to it and he's going to be selling it it will go on the market tomorrow and he will be able to sell them. and he can get whatever you know, whatever, how big a law to live on the real. What it's about, Court of an acre, though, it's not weird, but there still are collection available. So let's talk about it from two different perspectives in number on David Sharon rooms- you don't borrow money and we would have to pass hard pass county place to get them

without borrowing it we'd had the hard pass cause. I just don't borrow money and once I've gotten my home paid off and a baby step, seven, the chances of me going back in debt. I just that would be like throwing up a little bit my mouth, I couldn't do it, but that's how I feel In addition, I would just say you should a copy. Why me, and I'm sure you ve got cancer, but I am also sorry you don't have integrity anna the czech checking that box and move on now. Having said that, If you go get home, I could alone for sixty thousand dollars and you pay it off over the next two years and you're unobserved dead, free and you ve got this lot and you ve got a buffer. This still ends excellently. and you know gonna be just fine you're not going to keep that debt forever. You're. Not it's not going to break you. You could pay. often what you can pay it off in two years really good. My only when we do the math labor was more like for gas enough in india, three million maximum us

you are right, I really don't want to because it s almost like you know, home equity loans. I don't like any of this. It is a singular piece of property. It's not a nice lot that you found across town. It's a shingle piece of property that family there dirt its next door to you gives you buffer. And so on- but even the other side of that you're still gonna- have a house right, so you're, not you're not got hundred twenty thousand right now if we try. We tried offering laugh he would not take out either we tried the bible flocks. I'm just gettin redneck right now, download time stuff on both, but you do what everyone do I've used all my going alone and take em an arm. ro fast, it's not the other world. Financially, it's just. I there's when

those like this come at me. I sometimes do the wrong thing out of obstinate

I, admittedly and so do I I couldn't do it for multiple reasons, just because I don't like being lied to, and I don't like being jerked around, and I really don't like it when it's freakin relatives, so yeah that'd be the end of that. This is a ramsey show. The coleman ramsey personality is my co host today. Is there an area of your life that feels off balance and you're wondering what the right next step should be? Maybe you've uncertainty about your money, you're starting per our artist, want to start prioritizing your mental health. Maybe you want to

represent your career or improve the health of your marriage, one ever your facing it's important to do it with a community of people by your side, encouraging you along the way and what better way the grow there with a few folks, you love doing life with you, can level up experience all of those smart conference with your friends, Saturday october, twenty second embellish, some conferences are one day event design for you. You'll hear World class bakers all day long, your favorite ramsay personalities will be their plus our good friends, Craig and Amy rochelle from life church or coming and the best I've changes happen when you have support accountability and your random you, people excited about being smart check it out start today. You can get a four pack of it passes for only a hundred twenty dollars. That's thirty! Two! was a person for a whole day. All of some all of america's best speakers. I mean teachers issues an incredible incredible event, thanks for Joe

us victoria is with us in pennsylvania, high victoria, welcome to the Ramsay show I thank you. Dave how're, you better than I deserve. What's up in your world. Well, you so we just discovered you me and my boyfriend. Probably this week were looking to make my emergencies bind and I haven't. I find that probably has almost they pointed out, thirty thousand dollars in it, but the only a huge is my mom is the ominous, like the holder of the account right now. She. it would give them access to it from that became overly the twenty, while now in twenty two arms, a pretty difficult to act. That money. So we were looking just to get it out, so we can start the emergency fund. What are the tunnel under the terms of the trust.

so it was originally made of poor schooling, but I've already have my degree and they made me jack. You had me pay out of pocket for that hold the greek because should and one such the money. The cholera five thousand dollars that I spent on schooling but you won't. Let me talk to any all day. You have a copy of the trust, I have the information and of actually been in contact with the troika, and they were just like her. She would have to find a paper and that it goes into your name and she would not do it because she, I'm gonna, be a quart of quote: you kid and law. The money. Ok, the, but the terms of the trust say that it's to revert to you controls to revert to a twenty one, Oh yeah boy be guys. I was under age when it was made. She does won't find it. Oh god, oh mamma, mamma, stop you under age. Now, right,

the terms of the trust say that the money is to be turned over to you after aged twenty one, correct yeah and she did not having any. They usually have sign anything. Get back in touch with the trash company and tell them you're, going to contact a lawyer and sue their butts if they don't turn your money over, to you? Ok, she's, no longer atrocity of trust that is now defunct, because you too, twenty one. Oh boy, I'm, not a lawyer, but that's if you, if you have a lawyer, look at this situation that They're gonna tell you that's gonna be the next that we were trying to figure out. If that was the right step were just trying to get her to sign it over would be the best stuff. When arming for Besta be that she doesn't need to sign it, because of the terms of the trust, and if you, actually reviewed them. I would

in touch with the trust company and go on the terms of the trust, are that it's twenty one is turned over to me. There's no signature required on her part. If you don't turn it over to me, I'm contacting legal counsel, so you need to do this right now, you're here, I just haven't: send you the money in that solves the whole thing. You call your mama teller, what you did she trying to control over something she no longer has control over. What I'm saying yet, especially I moved out, she don't know nothin to do with moving elderly has not, moving out the terms just don't state you have to live with her. They don't state! You are. You live the one state where you live, a state where you're taught that you're twenty one period yeah, now, you ve got to do something stupid where this money, you oughta, have your butt kit yeah. I do. yeah. You don't screw this up if you go screw, there's behavior but kicked, but that doesn't change. Act that legally you have right to this money, yeah

based on what you are telling me. If you have correct information here, it. We does or go over the trust and specifically what it says in its edges. twenty one. Then they should either write me a check or had organised an attorney contact him and tell him to do that, yeah yeah, Then you can call moments. I mama of pertain legal counsel because you're illegally, holding this You need to sign the paper and hard over me now. If an easier answer said- and I said well, it is, and thus as the problem but out that's the deal. Thanks for the call. I hope that's all that information's right, because I don't know your situation but it does sound like you need dick. You need legal advice. Will

you ve gone through the details of the tragedy. If you can't get mom to release it to you and you think that russia has to be released to you and I you're, telling me that my advice to you so good question. Thanks for the call Ok, so here's should rule, can never I don't trust and ass an unusual to do a trust for a minor are they turned twenty one, at twenty one friend over to him and sometimes it later turned over to them. mistake that was made in the situation was. They appointed someone to be the trusty who did not have the the intellectual power to do it, there's more is trying to function like mother and not trusty, and it's gonna get mom sued So you can't you can be a mother s motherly opinions and I might even agree with her mother- maybe victoria- doesn't-

this money, maybe she's about acting out, maybe she's a mature, maybe he's gonna blow it told her not to blow it right. Just like your mom want tell all right, but but though Instincts are different than the actual legality of trust. A trusty is over We all allowed to do what the trust states, they are not allowed to ensure their own opinion, advice into the situation unless the trash states that which case you, have really opened up a pandora's of a mesh. I was true. what you thought about what we heard here now. I think it's fair that victoria and I don't know that she's read the fine print now they think she's going to which is great, but it does it strike. It is odd that this trust would say to her. Well, we need a signature from mom. You would think, or is this a bad assumption on my part? they know what it actually says, and they were in fact telling her what is and what is in fact true,

Thirdly, I have no idea why a trash company would be the lesser just out of an abundance of caution, trying to keep mama happy right, one. come back after two right, she's I pierced when down here, so that My guess is they're trying to play politics here rather than legalities, which they're gonna get their pay on a crack too. That's gonna be a problem. The problem is when you sign a trusty and the trustee, you know what there's no true. There is no trust company she's, the trustee yeah, so sometimes she's. She she must have gone to a bank account, and a banker told her that that's what I'm wondering like cause that struck me as odd yeah. I know what you have to do than victorious take a copy of the trust into the bank. Right, the branch manager look. This is what it says and that every that you hold this pass, this you're gonna be liable.

you should tell us what I was wondering, because the trust is just a document that says here's the deal that manages whether launder their sometimes as I trust company, but the truck company amino trust, apartment, a bank and act as a trusty exactly, but that mama's trusty on no question and she's mad at victoria left the house according to begin I didn't like the boy same and all of that may be accurate that matter, though, in this case, while matters is so point being Take away for all of you in america is, if you're going to form a trust for who you appoint as the tragedy. It is a tremendous responsibility and they

and get themselves into a problem if they start inserting their own opinions into the application of the legality of the trust. This is the ramsey show the goldman ramsey personality number one best selling author is my co host today in the lobby of ramsey solutions on that data, breach stage, Jake and kelsey are where those guys. How are you doing well doing well good to have you guys? Where do you live irvine, california,

all the way to nashville all the way across the whole, stinking united states way to go gas coming. Thank you. coming and how much did you pay off? We paid the four hundred and fifty six thousand dollars in six years wu three hundred thousand of that was in the last three years, wow good for you and your range of income. During that six years we started at one hundred and seventy five thousand, and we ended at two hundred and eighty five thousand I do for a living, I'm a tea and he's a physical therapist, ok and so while great incomes show what what what kind of was it? well yeah, primarily student loans. We had one car built in there, but it was all pretty much made up of student loan. Four hundred and fifty six thousand dollars of student loan for a teacher oh It was foolish in the beginning, but when we were signed- Four things it was just it'll be our problem in the future will worry about it later and then

Obviously it became our problem alone. It's married twelve years we actually had our anniversary on Saturday happy anniversary, very good, ok show halfway through your marriage six years ago. That's larger still sitting there, almost half a million dollar staring at you and you you you, wake up with a mill, not in a cold sweat. I mean what happened, what what in the world, what changed? What changed the direction on this? So we I grew up in minnesota and then we moved to california for jake's physical therapy school. and when he was in school we knew that we wanted to get rid of the debt. Somehow we distant know what the plan was and so, while he was in school, we were lebanon, the teacher salary and I had a long commute. and I listened to the neighbourhood policy- should show on my computer and so ass to make a he was interested in trying the program and basically and he got out of school, we started running and I would say the beginning, where a little bit dave issue and then

when the last three years, you saw how we picked up really work to pay it. yeah hundred grand a year for three years. You are, after it I mean your own beans and rice, absolutely jake at one time was working for jobs, so he's an inpatient physical therapist, so he was working at four different hospitals. Became a little too much, so he schuyler back, but We sacrifice a lot of time. I didn't see him a lot, I did summer school. He were, really hard you know ten our days every weekend, I would tell people jake works every day and I think they heard jake works a lot Jake works every day all day. Yes, a lotta days for a lot of days in a row for three years, their amazing wow, powerful guys. There are so many times that I have sat with people talk to people who are on the airy there, one and they have a mountainous student loan out like this and you guys are incredible

because that was a wee bit daunting too low. At bingo, I got foreigner, fifty thousand or a teacher and a pts gum, because neither one of these six figure incomes, usually but the way you worked on your turn them into that. Oh, my gosh amazing yeah. I gotta ask because just the strain on your relationship just not seen each other, that you're exhausted your work and effort every day and your? Why should it be? What kept you goin interval those dark days? It was on definitely knowing what the future held and Canada is the one question we figured you'd, maybe ask about his arm, One of the keys is sacrifice and on. We definitely made the most of our time on the weekends a lot of time to ride come home with me. we knew it maybe go to church. We prepare meal we eat with. With friends for a tiny bit and we'd have maybe

the two hours together, so we really learned cherished those wonder to ours, and we knew that once we got over this life We saw how much better on the other side and a few months out, it certainly is davy had a moment ago of emotionally and financially in relation to exile a little bit a little bit. Are we as it hit you? You know our innocence, it hasn't because I'm still in some work I went through the steps and I actually jokingly, have told called a couple of times when I go to work on the weekends. It almost feels natural like when I'm going to work, extra jobs and extra shifts when I stay home, it actually is actually feels more abnormal kind of like what are you doing this weekend yeah, but it's it's starting to sink in it's starting to feel real, that all the and work that we did for these years has paid off in your heart astronomy, laterally shown it was gone. definitely we knew the day that I was gonna be gone and we had the loan company- that we're gonna call and do it and we had cut-

he's made with without getting the debt and stuff and arm and so once we have made that call and ones processed reductions. felt the relief, ok I go back to what I said: a medigap, the the four hundred and fifty five hundred thousand dollars is daunting, because most a lot of people give up right there. It's too overwhelming. I can't get there it's hard to it's hard for me. internalized the belief, the hope that get ever get there and you guys did it in six years, most of it in three years, what You tell that person who says managers know why I can't I can't I I kind of see how you guys did it, but I can't believe for myself in autumn giant, the to definitely believe in themselves and then, like we were living blocking examples. A teacher. physical therapist, and we made at work. As we said, at talk really comes down to dedication

and hard work, and definitely sacrificing in planning yourself. But you have to have a goal. I dont think there was a day that we didn't talk about the dead. Every single day we talked about it and I think that sort of bin the release. Now too, is you don't have to talk about that but you have to have that goal that could have been something else with your own home and what am I supposed to say to you yeah exactly, but I think that people just have to figure out. You know what you can do that you can work those extra jobs that you can be willing to sacrifice this was a longer journey and I think a lot of people sometimes are shore. And so it's just. What are you willing to give up? You know I mean we, over ninety nine a camry, so I mean there's things: sometimes you have to give up to get to the goal that you wanted in large numbers. Buy a you really do and if you get about better car still works

I know you got you got a break lol man, you gotta be done. I don't want to go crazy here, but go pay cash for it for sure. But oh my gosh mean worked so so hard, I'm so proud of. Y'all y'all are an amazing couple then, and you kind of look like you got a little ptsd a little bit like you're still trying to shell shock steal from you, gutted it out so dramatically. I mean there was so many years of saying no, and we can't do this. We can't do that now. Now, like we the releases coming taken, a trip to nashville going to visit family, doing things like that. We said no to a lot of it, several years ago. get to enjoy these things on a much grander scale. Do you feel when you do when you did? I got something the size. Do you feel accomplished quite yeah, Live. We do this. We could do anything else yeah, like all along the way, calcium. I always tell people that, once we even got towards the end, we could already feel the freedom you talk of

the peace and its indescribable, even when we knew we weren't fully done, we still felt, as you meant the release. Already you mentioned before. always feels like you're. Giving yourself raises all along the way, and we the longest time, never even had to think much about money, because we knew where it was always going to be going, and now we, just a transition that and to better. MR to save and invested. I think without the peace along the way to it was, at first, it was so daunting to put although student loans and see them. At once. They started going like felt like we had more money, even though every everyone money went out the door, but you just felt that you had that. I think, because your in every dollar name in knowing where it's going less good. They hit you. You felt a sense of control before you even dare free. You were our control, good for you. I will get a copy

we stopped millionaires for you, that's gonna kick walk. We got a copy of the torrent.

makeover book in a financial peace membership as well? You guys are incredible your heroes, I'm so proud of you. All. Thank you so much Jacob kelsey, irvine, california, four hundred and fifty six thousand paid off in six years. Three hundred in the last three years, making one seventy five to eighty five counted down a zero debt, free scream, three, two one where that fray, the forty one boys and girls. This is the ramsey show the power of scripture that a collage is for to devote yourselves to prayer being watchful and thankful. President John F Kennedy said, as we express our gratitude. We must never forget that the highest appreciation is not to utter words, but to live by them. Amen well done

stuff can common rams your personality best selling author is my co host. Today, marshes witherspoon evans will indiana high marcia welcome to the rams asia. Thank Sure I have been listening to you since April of nineteen monica and I've. I've got a question I just The european union on ok. Should I buy a piece of farm equipment for conception and suddenly man expensive, poor next April, income tax now let's talk about why the way you stated all of that. The only reason you're doing this is for income tax. Yes, no and one seventy nine. It means you just get the only thing about once an analogy get right the whole thing off in one year, you don't have to put on a depreciation schedule. Correct how expensive a piece of arm equipment, between eighty and one hundred and twenty

managing home in a hundred four round numbers. Yet Are you and I want a thirty percent tax ragged thirty family? turkey earlier I no actually I'm in a twenty one. Next year, idea, twenty five, but this year, but twenty want and show your dinner I d check for a hundred thousand dollars for a piece of equipment. You don't need and the icon the actual mathematical birth needed. I'm sorry hey. I didn't leave it here about without it, but I would use it now. Well, I'm sure I may, if you bought a new airplane, you use that too, but but that's not point, the arm so that you You can watch seventy nine that as well, if you are using it for business, but the point being there Ok, the hundred thousand dollars leaves your checking account. And then you take a one hundred thousand dollar tax deduction. Is your income in in excess of one hundred thousand a year. ninety eight it what I expect position

depending on the wine market, show you would pay zero taxes on the ninety thousand and it would have been around twenty percent actually round ampersand. Probably cause. It's emerge way. Tax income tax is not all the final bracket, So let's say your tax bill on the non eight thousand would be fifteen thousand dollars. You say yes, a crackling then, if you didn't pay, if you did Have this right off. You pay fifteen thousand dollars, Sure you're reading one hundred thousand for fifteen Can I ask you one other thing landed and make sure you absolutely we did not take any crop lashed Until january of this year, so I already there already from attacks. Lady, I will be spending too, thousand dollars in taxes. For day to day, Twenty one crop

So if I were to buy this piece of equipment- and whatever dynamic, take thirty thousand dollars, but you're spending a hundred to save thirty per yes, I agree I may. If you weren't, tried dollars for quarters, I got a deal for you. Well, it's like what to do with money- must start that deal with you. How much we wander I'll. Do that four thousand with you? If you want to dollar four quarter, walk away, slowly marsh. So Here's the thing: what's the piece of equipment It would be a youth, bacco or dirt mover, The only reason you by equipment in business, the only reason, it makes you more than a costs you, yes, I agree When I buy computers for this place, I can one seventy nine them. When I buy,

cameras for this place. I can one, seventy on them I spent a lot of money on that kind of thing every year around here the show I when I furnish offices I can one seventy on up to a certain limit. Ok, but I dont by any of those things. For the one everything on tax write off benefit. I take the floor. Seventy nine tax write off, but I own by them. If I can make more money because of them than they cost and your going to increase the quality early, your income. This farm, biased, much is this equipment cash so you're, not our wine you're not getting a return on investment on the equipment only buying this for attacks tax off, which is trading dollars for quarters, and you- do that and I question whether you ever take a piece of financial advice from your idiot tax person. Again horrible advice.

Well, my dear lady, they agreed with my dinner I won't be quite sure harsh since I have you on the phone, but oh my goodness, oh my goodness dormant now we don't want tried dollars for quarters. People do this all the time in business in college, smart and its net. It's because it usually because our tax again is only looking at the time benefit of it, not at the action economic transit transaction and the economic transaction. Is your handing somebody a hundred thousand bucks an hour getting for. It is thirty It's not a good trade, not a good trade taxes more than you do, trade in the dollar, for a quarter. Just for that now, I'm take the one. Seventy nine ride off every single time on items, I would have purchased because they were going to make me more than they kashmir anyway. That's correct. In that area- and I believe me I'm max my one- seventy not out every year and trumps

law really help. Those of us in small businesses want a few things. A small business come along a long time Why should nine be emerged out like like tar floors of stuff. We could write off around here instead of writing off over three years or five years, who rode all off in one year, so the small Business person there is, the fear, is the answer to that fear. All gonna get a tax bill is retained earnings just juice, that a little bit yeah. You got such your money aside for tax regime, so they are worried about it yeah. So it doesn't bite you, but but you just you, just get sick of giving the government money cause they're, stupid trust me. I don't like having stupid people money. I get there and I'll look and say the size of the money they take from me show that I am a law abiding citizen and otherwise, I'm not a law abiding citizen- oh my gosh, you know. and but it's just thievery in the name of government, and so I don't. I don't disagree with her in that sense. I got mad it pisses me. I don't want to do it. It just makes

if a man around tax time, but I'm also not going to trade dollars for quarters in the name of keeping money out of their hand that that's just cutting off your nose despite your face, cavities weathers in canada. I gather, how are you I again underneath the coffin to me today shirt sure right, quick for we time what your question yes I'm ok I'll make a quick, I'm lulli single. I have three children, forty threerd old, starting from scratch, I'm getting a hundred fifty thousand dollars settlement from my ex any day and I'm wondering just pay off that an early start from scratch or or invested. And he and try and build it unjust scared, I'm starting over a much fun. I have twenty does not occur, and forty thousand dollar line credit plasma help eight plus your house- were you in the house. I one eighty, it's worth two What are you going be doing for a living

corruption, austere for less than our government. Your bills. On that, oh, yes, I got some. But why thirty and I met about eighty on I'm? Ok, I just wondered child showing orders only all justice, one cash. You know no more! Fifty fifty None of that umbrella nervous when you find you don't and you're helping movement europe. When we meet the clock for run, I was running their arrogance in area unpunished. I will pay off their debts and start fresh and make sure you're living on a tight budget. So you don't get yourself, Stop on your new income being less It was when it was combined. Ok, ok very careful to live on the one thirty. Yeah I've been changing your books, I've been I've been budgeting crazy, so I feel, like I just wanna start the fund, a fresh foot and not make big mistake

The remaining I might have one of the things I did when I started fresh after going broke in my cage. In your case, it's it's a divorce but the one thing I did as I went back to the old debts and say: ok, what was going on a shot of my heart that allowed me to do that or mixed That's it

So how did those those deaths come from and make sure that parts healed so they never grow back after you get rid of them. That's a good thing to look into. It was all him he was stupid. Okay, then that's fine. We got rid of him, so we're okay, it's one way of healing from it can get Joe today or austin band Zach, Andrew James and Kelly and a booth. 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. What the prince of thieves garage change, the bulbs kit coleman here teach you know the ramsey show is one of the most popular podcast in the world. Get your daily dose of advice online and check out all of our shows from the ramsay network. Wherever you listen to podcast the you enjoy this podcast, you should check out other great podcasts from the amc network, like ramsey calls the day check out our new ramsey call of the day. Podcast it'll give you a quick id of advice about life and money in under ten minutes. Listen to the ramsay call of the day wherever you listen to podcasts, hey, it's james producer of the ramsay show. This episode is over but check the episode

it's for links to products and services. You heard about during this episode, thanks for listening,