George Kamel & John Delony answer your questions and discuss:
- "Should I take out student loans so I can make a career change?",
- "My husband keeps lying to me about our financial situation",
- from the blog: Overcoming Financial Infidelity
- How to decide about selling your house when moving,
- "Should we continue living with family when there's major tension between my wife and my mom?",
- What to do when parents are stealing money from their kids.
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This is an unofficial transcript meant for reference. Accuracy is not guaranteed.
I
life and the headquarters of brandy, solutions broadcasting from the part in stored studio, but my sunday giant I'm so excited this is the ramsay we help people build well, do work, they loved and create amazing relationships on george gamble joined by doktor John, the lonely today- and this is your shoulder- so call us up a triple eight, eight to five five, two to four
and, if you like, this show please consider subscribing leaving us review wherever listening and sharing this with a friend, John wages,
That's some really cool data and from our listener survey and it's amazing to see how many new listeners came from word of mouth,
eight grown, you gotta check out the show you gotta check out the show
and there's only a certain amount hugh.
can handle in their life in the repertoire of podcast,
in shows they listen! I'm like four hours a week. I can nothing exactly two hours. He bore murder their saint aid.
ramsay show you're gonna get an hour my time. That means the world to us, and we truly believe that these principles
can be entertaining to listen to the show. It can also change your life. A week
one of the things we talked about in there was the word of mouth
I used to be. I worked with the same twenty five people and I might tell one of them over launch or call people about him, and I I did some crazy. I paid off all my debt right and they like what like they used to be word of mouth
now. You can just listen to a podcast episode and if its meaningful, you can just text it to twenty five different people and so on.
Expanded this idea of word of mouth or you can afford the link of a youtube clip or a youtube episode to your mom or your friend or whatever, and so it's obtainable
ready to send these episodes out. So have you
If you listen to an episode, if you watch episode- and it me it's me-
full to you. It's its impact will and you think, pianist really Mommy's to hear this call senator for it
To a man and bring everybody entered into a weird little gang, it's a party, we love it grateful
Are you guys? This is your show? Let's get to it? Tunisia,
with us in Washington dc to kick off this? Our tunisia welcome: hey! Do in high
I'm ok, hurry we're doing well. How can we help today?
to make it plain. I am bored at my job
on Monday. I give her eugenics show me too.
To night you know, you got a loving, you drowned, I'm ok
so you're bored you want to get out of this thing
and like I work from home, and I am like
when my hair out, but I have a second job an arm
because I thought a good. The davies that saw on came back up here. My credit card love and I have to
But the career I want going to have to get a masters, some I do,
she got more than what you are weak. What's the John, I don't know what to do
but with a question but the job you wanna go do so I went to school,
warning or be a social worker, excellent excellent, and what do you do now,
I'm I'm a research assistant right now in cardiology curtailed.
Theology richards research assistant
So here's an idea are you well,
george till the sad news, the saddened
this is, I would not take out any more student loans and you'll move at the speed of cash. You don't ever ever ever. I know which means this may be a two year journey instead of a noun journey or
Let me tell you, let me what might happen.
So, let's do this, let's say from
boy ford.
tunisia is a person who never borrowed money. It's just
the table was who I am.
What that means is now. This is a person who figures crap out. I will figure this out. My first
bastards degree masters degree and phd all loans. All loans say with my wife
lot. Six figures. Lots though
said never again, and so
next job
They had a benefit where I could get one class and then I went and said hey. I got these professional development. You pay to send me to a conference every year. What, if, instead of going to that conference that that that dollar
about the same as a class cannot trade you for that, and my boss
Like yes, fantastic, I said it would be more benefit, that's great it! So
I'd. Love to see you go apply at hospitals that might
pay for you to go at a social work degree that might
hey for you to go, get a nursing or might pay for you to go, is going to support you in that journey, not make you go into more and more
more debt. I would love to see you on the phone, so we can make that happen. I think you can find
that place,
traded at. Oh, I know, because I don't drink they're going to help. Are you more afraid of being told? No, are you more afraid of being necessarily chained to death? It's a worse case scenario that they say now. We can't do that and you got right all right, we'll call shake it off. Have fun
so: what's it going to cost to go to
Affordable program in your area or online
go to college it'll, be like thirty three,
a little private school like liberty, it'll be like thirty. Seven together
three thousand told whether, like thirty three saddles unity, gotta community college, you are you're. My is not right that guinea.
I threw a masters degree. There have monsieur rick committee college:
the one that I worry, that wine and bear the masters degree for school council?
If I were you, I'd get on the phone with local school districts who are so desperate for mental health professionals and teachers,
and I will see if there is a possibility that they would hire you and help you get credentials. Henrietta
ooh. I the dark one, a hundred per cent. Yes,
schools, arse troubling all over the country to keep people.
And you might have to leave to seek a disease really really really expensive here
I still am opinions on. Only one of what did your mind. Well,
be time to start looking across this great country and figuring out of place to go but again
it's your person who never borrows money, you're a person who has to figure it out and figured out means we have to do stuff that we didn't plan on or want to or think that would be great. But that's what we're going to do, because we don't borrow money as who we are
which is freedom over everything else
much more debt. You have left arm. I had sixty five hours,
and stood on,
and what was the degree and that you got social
allergy, okay,.
and ass all of your dead. That's all
I just paid off my credit card a couple of months ago. Awesome. I wonder you making combat
that! Don't shout about fifty thousand ogre as I'm after mac paying taxes,
they may last year and living
your parents, your expenses, are super low. He appealed
gallagher right now, that is a blessing
Let us take advantage of that knock this dead out as fast as we can, and then cash flow, the most affordable programme that we can do
John said there so many ways and it's gonna be
you're gonna get super creative and go. Oh, my gosh. I no clue that there would be willing to pay for my education
if you can find out you're going to create an online program. I know it, here's why cause we love you and here's. The other reason. I don't want you to put third
six thousand dollars of debt on top of the sixty five already have and then make.
We owe a hundred two hundred ten thousand dollars making sixty grain is a social worker. You know why cause, I know them. Those are my friends and they can't breathe and it takes them.
fun out of social work and the dream that there's not a lot of fun and social work now becomes. I gotta pay the bills. How am I going to you can't serve somebody else? You you can't save somebody from you can't pull them out of the ocean when you're drowning, you're right
So my friends, who are minimal professionals in its almost my entire community, who owe crazy amounts of money they can't breathe. Don't
itself to that number
those future clients enough
to go in with the non anxiously only money
can really jump all ali.
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George camel joined by doktor John, the lonely here. Listening to the ramsay shell, open phones at aaa eight to five five too
you five
marilla joins us up next in lexington kentucky mary l. A welcome to the show.
hi. Thank you so much for having me absolutely. How can we help today? Well, there's oil
things diet. The main concern right now is my husband has in why
I mean we ve been working through baby set number to bet, he's been hiding ike,
and choke perch feel better
really gag were
How are you hiding coming up and well this
past week I found out lad the vehicle that we have been
paying hundreds of dollars amidst man over a thousand repairs?
had put a lean on several months ago, so we couldn't even scrap it is man
Which we're down one car now and instead
That was one of the airlines
recently what he put a lean on his own car and he's been.
and he told me that he borrow against it. Like the equity of his car that
my understanding like he got?
certain amount of money and then listen when we were starting to work together on the baby's that peace bed, we paid off some things
you think that money to buy worth asking him. Where did it go like? Why would you do that? But he said we didn't feel like we had any money and
and
He went to one of those payday lenders who said will give you three thousand dollars, but I'm holding the title of your car
title max- looks like an old pizza hut. One of those places.
I guess warned all of this
very long go in, so we we,
It also and had like similar things,
happen in our relationship like
wait, he spent thousands
it now about the air tat, lows: yeah: what's he ryan.
Well, I talk today not too long ago and because I received
Something in the mail and that we have found out in the first place was the cards in wood
originally primarily in my name because we got this- is why
like years ago, when we first got married, he gotta washer and dryer dan.
Recently, like he purchased a lawnmower. That was for him to use at whose grandparent town- and it was like
about the nobblers in determining allowing hot air and mean that bad
almost paid off that promotional purchase.
and there you about nine thousand injures warrior them less than two hundred ninety nine dollar items. They told me we need a common juices meeting tonight and was so
We think it's put on the table neighbourhood by our offer that walker, through
she can pull her credit report and find out. What's out there,
yeah, you can pull your credit report for free annual.
And did tell you every piece of debt that is owed to your name
and he needs to do the same. Here's what here's! What I
think marilla guys beyond.
With you, I want to be alarmist, but the honest with you,
I think this is real. Bad is what I think and
either he is a bumbling goofball of a ding dong. Who just is
walking through life like a thief
they get turtle or
He has a very deceitful person who is
spending money on all kinds of things and lying to his wife face
and when that happens,
It's very rare.
These they're, not hiding some sort of addiction or some sort of other person in their relationship, not tell you
freak you out. I'm just telling you this. What we do for a living
It is rare that somebody just keep blown up money and spin it six,
thousand dollars for
more for your grandparents, we doing yours, yummy madness and
That tells me there's. Somebody is out of control
Ok, okay, yeah, but she's tell you the back story to that was kind of his new office
grandfather, essentially his father figure a couple years back,
I think part of it is like
in his mind. He feels responsible to take care of things. For her told you that told you that I think that colonel
were that came from in our needing to where I could forget
that in ireland we are working together. I thought so now, I'm at square one again to them like you'd, tell
you're telling me the truth and then you're not going away, but there's also a difference between aid and take care of my grandmother and a half
spit on and completely dishonor my wife.
you don't have to do want to do the other. I can
completely honour my grandmother in young craigs list and buy me a lower that barely runs that will get the work done
She gave a push our believe excuse. I know
I know, here's the thing
how long together
five years
at some point in the doesn't have to be today,
some point you're going to have to stop defending him because you've been,
finding him for a long long time. Right.
Why you have an answer for everything I'm calling out in george, and I are both husbands. We know how this game works,
but you you're. Will you keep defended him and if it is so, you can defend him all. You want till the end of time.
But you can't breathe right now and george like move here. It he's broken your trust.
that is the foundation for any relationship and it's gonna. Take
long time to repair.
take even longer if he continues to make
These financial mistakes without,
To you, and even if
explains it. You get a vote and right now you have an out of openness relationship. Have you
it's has been him, go well, you're understand, I'm doing their arm I'll figure out. I got it, don't worry about it.
And you're going along with their right. Well, that's all
He had a complete control over every thing: money, wise, combat it and have a job, because I had no
That is our kids now, but never start you all, and he didn't get the money. Could you have a job, my
stays at home. She works on, but she stays at home and we do this.
Together. That's not a reason one.
It's not that way in. He did come to a point where
Said, ok, you have
Turning you try it like he wanted to. Let me
I can do a better job because we both know that wasn't working with him. My
the financial decisions, so
he's gonna drivers, long enough and he's been crash in the car and
he got rid of the car you used to you.
another one you went bought on credit.
You're a georgia's right georgia's hundred percent tonight this end tonight-
to look cross a table and say you.
been committing financial infidelity?
your violating our vows, your cheating on me and I think we
I get really obsessive in our culture, about fidelity being one thing, and one thing only and it's intimacy with somebody else, and I think fidelity is my commitment to you. I'm all in is way bigger than that he's cheating on you.
Stealing from you he's lying to you in
point you gotta say. Hopefully tonight you put a put a piece of
paper Donnie say this is right now how
much money have you borrowed and our families name
much do we owe, and where is it cause
and you made that one called allows
When you made that one other call over here and you found out a whole litany of things, you shouldn't have to call lows to figure out what your husband has been up to now. He should be able to pull out the statement. Hannity. Here's the help,
here's how bad it is. But how dare he?
take a turn the money and they keep keep parliament more money.
That's why off and I was in sight
and the other guy, like those gonna quit trying to questions, are each eating non me art. Whatever
money has been borrowed and that sort of thing- and he did mention another credit card
not like thousands or anything. It was like three hundred dollars or something that at this point that this
I don't trust him I want to see-
credit right now either side. No, what could do tell him during his kind of report to the table growth go to
in your credit report, dot com? You can pull it for free. Both. You have to pull that we're going to look at this thing with a fine tooth. Comb lay out a plan and go if you're not on board. This is
In a word, we have to have a different conversation.
no more lies
I cannot continue this relationship on a throne of lies. It will not work. So I'm wishing you the best marielle, but you got you got some work cut out for you, I'm so sorry you're going through this. This is the ramsey show.
Welcome back to the ramsay, show I'm george camel joined by doktor john alone or folks, your chance to win three thousand bucks it ends today. That's right,
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the phones Alyssa, joins us in fresno, Alyssa welcomed the show, I think you sure, what's goin, on
My question is my husband and I are on baby step two and four and we paid off all of our debt old I was hold up to. Is it two or four? How is it both we're on we're on two
ok we were on for then we bought a car
So what are you doing?
I, though, so you're likewise now arrive tax. Kick my ass
by doing the car so we'll get there
My question we honor home here in california,
My husband recently was given and job opportunities.
About two hours away at the coast, which would be fantastic for his career fur,
storm future job advancement things like that. Obviously the
after looking at the beach is much much higher than where we are now
the quality of life we would have. There would be way better than what we have now. I would say we have some family in the area over there and
a climate of such better
wise to keep our house.
when here and move over their knowing that, but potential
for a long term, mental with like very
all chance of actually owning property.
So you're saying we won't be able to afford a house so we're just gonna rent in the new location, keep hours as a rental. Yes,
the potential of like moving back here to retire someday.
I don't like making that big of a decision based off the potential for something yeah. Do you own your house right now? Are you still renting it may still each have a mortgage on it.
We will have a mario Jeff,
much equity. Do you have, I would sell it yeah
not a hundred and sixty five inequity. What's a worse for fifty,
so you got a big ol mortgage on this thing, yeah, ok! So what? If we sold it,
We got out of debt and we had our emergency fund and we began to save up her down payment and new location and started planting roots. Their order are other option. Yeah,
I wouldn't keep it and be a long distance landlord, because right now you guys are already broke and now what if it needs a new roof or the h,
It goes out your two hours away in you,
to pay up ten fifteen grand for these repairs yeah.
It went from a blessing to oh, my gosh. Why did we do this? We thought it was a good idea. I would sell them.
advertising? If this job is incredible, then now that's a man
makes all since in the world the sounds like embolism like you're going it just.
you gave me all the reasons why you should say: you're going. I would
oh and with our eyes, wide open and george just said something really important and which it amiss it
go into it saying we can never do you. Can you may
to squash this beach lifestyle for three or four years in really save and really scratch really claw. But you can you can,
so you can he's getting arrays right,
and I imagined you know the cost of living's higher, but you're also going to have a higher income, so you're going to work yeah. Yes, so
I work here and I could continue to work remotely, mostly what no household income going to be
It would probably be.
eighty eight hundred a month now
you take on pay, yeah, ok and then what will Europe be?
probably about thirty five hundred, that's a lot of rent
so my goal would be let's get in a home when it makes sense, and that means a fifteen year fixed rate mortgage where the payments no more than a quarter of our take on pay, and so that means you gotta get that mortgage down below three thousand for this to make sense,
which means saving more down payment? Are we talking like a million dollars for a condo over there? What's the going rate
yeah, probably eight hundred infer, condo or million for a house. Ok,
might mean we gotta get our income, obey sap and live on us. We make we're gonna put away ten t.
thirty grand a year towards this down payment, fifty grand a year towards us down payment
a few years. We're gonna be able to get out there and
be a condo or townhome
because you're living one most expensive areas of the nation, but you
don't get a pass on math, which is unfortunate. I wish we get so many people with live in big cities- expensive cities. No doubt this planned doesn't work. My is
especially not gonna work if you avoided and do what you want to do in your rent is half of your income so
That's the important thing you can just going to sacrifice in question.
Ask yourself, is doing to live the beach life and go to the shows and go to all these things and do read stuff and get run by.
Depreciating assets we borrowed money, gonna be those or
I know he wanted my house and so are willing to sacrifice for five years we're going to live kind of low key and we're going to do free things on the beach cause, it's so stunning and beautiful, because we have
go and that we're gonna buy house man. You could do that.
Do them she'll come at a cost, the same as it's going to come at a cost? If your choose to play and party and have fun, it's gonna come at a cost of you're, never going to own a home, and
half of your incomes can be taken up with rent
somebody else rich, so that's
you got choice either way. I know the choice that I think
we'll be wiser over the long haul for her thanks for the call was getting wet.
One in here from Robert in syracuse robert. What's going on robert,
speaking I gotta go. What up so don't try to make this clear?
I'm a father and a further four children
for the first time in your life you have by ourselves in the little tiny hollow in the year. I worked for the church.
I expected never make too much because
fisheries me when it was,
limited to human made, so that we could serve the church and and respect that he very little when it can lincoln's money five years into a marriage or parents moved in
the area and the white house, and they offered for us
move in and enjoy the benefits of a multigenerational household, especially other kids
hold in your home, scolded him like a really good idea at the time frame for two years,
it won't really well recently, though, it has been a lot more attention, and especially the two women.
I thought about who is going to be
I just said mom and bro move out and, of course, robber move out. This is your wife and your mother in law and your mom move out. So her mother
My mom and malaysia ended up here. Very that's that
the question I want to place. It would mean saving up for a while them. Well, any they'll know doesn't it. It means you may have to reconsider
you. Ve created a life, you ve got for kids.
If create a world that cost x amount of dollars
and you want to serve you want to
get some all rural or underprivileged underserved churches, which is noble and good bye
created a world where, at this time, in your life, that's not possible for kids
it doesn't mean you gotta put this on for a long time cause for kids growing up in
tensions so thick. They can't breathe yeah
So it might mean you gonna, take another job that might mean you, gotta, leave, upstate, new york or expensive to live and find another place to live. My main wig
bunk beds, stacked to the ceiling and it's a big old party, and we have that already are used to it. You sit down with your wife this weekend, you'll go out together, you'll make a plan, but you've got to get out of there and y'all gotta make some hard decisions, not about what you want to do for your god,
with the reality that you have created for yourself,
Thanks for the corroborate, this is the ramsay shell.
This is the ramsay show. Our scripture of the day comes from luke, six, twenty, seven and twenty, but to you who are listening, I say: love your enemies, do good to those who hate you bless them.
who curse you pray for those who must treat you
Benjamin Franklin said: love your enemies, for they tell you your faults hate before we would take a call that one, a george go back to that us.
Because I know we're gonna get some internet grief about it.
I think we have in as a cultural asset, koyetsu cultural problem. Where are we
been told failure, passions
told have kids
We ve been told you, my house even told you should
wages were shown up, we ve been told a bunch of things it if you lay them all out and do them all. They don't makes their work
work is not a unified path forward in so I've.
I'd or the last dec
to figure out what what is that path then- and I keep come
back to the starting line over and over and over, which is you have to choose reality?
the reality that sits before you.
In that reality might be
terrible at basketball, not in the cards. For me, it's not gonna happen and I can
work and work at work. You are so happy took a darn. It could be. I sent you
put a book in front of me and I just
I just pull both my balls out of my head right. Fine.
You're, probably not going to be a content, writer and so
You have dreams of being writer and you hate reading you dont like practicing. Writing you have to start with reality
I got. Four kids are six kids and you want to be a person of service. You ve created a world that can't you can't afford ripe to go back to the new testament pulses. If you have a lighted, you got kids
you're allegiance has to meet them. It can't be to this other thing right. So I think,
for everybody whose I want this, but I want this. But I've got this.
Starting place to be well and bill and well to them,
If the term is being honest about where you are right now, toy dave says, pull out one sheet of paper and write down all your debts, smallest to largest, that is choosing reality. Right
that's why a mental health professional when you sit in this? How can I help
you today, right now in EU, laid out there. The doctor says: where does it hurt right now? You gotta start with reality, otherwise
you just end up all over the place is just
it's on tethered feeling. I want this, but again at that, and then
and up with four kids stack to the ceiling above bids in your parents house, in your work
if your mother about to stab each other to death, write it down.
since the murder podcast will never find the body is holding the mess?
all because here we have to be honest about the world with credit for us
of and we wanted to do job acts, it's not gonna happen. We ve gotta go. I gotta go because we're
I d have started yard business, whatever it is
cause. This is my reality and then
not a pessimistic,
car cynical tell it's a it's a free it freed of its freedom. Freedom
and if you live in new york city, but you also really want to be a homeowner, it
I mean you have to leave new york city. I you know I'm not brad pitt,
the change for me being a lead romantic interest in a movie zero zero. So
I can speak
and all that acts in all energy, all at fighting ha or I
try to become the best character actor of all time. For you know I mean I can I kin own reality and be the past. Is that thing you just
on certain important you and I both talk to young people who are they
moved to new york. I'm scared
There are I'm gonna this and they find themselves living in a three foot by one foot coffin.
It's a closet with a full kitchen and a bathroom in a bed in it and their pain,
five thousand dollars a month for it, and they
move and you just gotta go what ll?
and they want a yard and the dog to what
you got. You can choose reality of stamp that on the,
tattoo that on every person I come in contact with him. I think we have a healthier world one, the sooner that anyone, whether through young or old, the sooner you realise that the
it's resent meant you'll have later on in life. When you look back and go, oh, my gosh, I wasted so much time and what, if and if I just had known, if I just made that move so the sooner you can look in that mirror with full reality, the good, the bad, the ugly. The sooner
you can make the right path forward. Exactly that's a good word, our eye
go to the phones, joshua joins us in greensborough north carolina,
joshua, welcome to the show
hello material. I like a camel two bloggers baked about here. You do what's goin on.
I have a question on my back.
and started offering me a car,
from them, I guess, got my license like only condemn seventeen and their offer
two thousand and very young
I urged her anger had been very well taken care of everything they offer an upcoming for fifteen hundred
like you, I I don't think he said the young.
As you say, it's a great deal, but
I do have some problem
If, as for finance,
wage a great my, but I'm just wondering.
I do have a bike. Some money history with my parents are just like this happen.
and then a modern. Should I just put aside, I didn't
his cart and relegate dear boy. I should know what he only money: history, other strings attached. If you buy this car
I am afraid that if I'm buying this car it's I come back to bite me later. Tell me what that means.
What is happening there had decided without
the pass. It makes you think they'll have in the future.
I have had problems with my bank account. I am my own bank account
and I've had my parents going.
before
god how and taken money out of his head
Have we punished at night? He had put it back in
I told them directly. I do not mind if they put take money, I'm begging count as they put it back,
I just want to know
so I know what my money is tight joshua
but it is not right. I'm sorry.
Mom and dad shouldn't steel money, other kids accounts
I am not a big deal. One moment butter huge deal, you're talking to
Current parent in georgia is about to be. Parents were not to take money from a kid my steal from her kids. It is a big deal.
It hurts when it happens. It scared you didn't it.
in a violated, the
that you have with them,
so you're learning a valuable lesson right now that I hope you never lose because all
The world around. You know try take this from you and I
is Joshua's trust in Joshua that feeling in your gut
This deal is amazing and I don't think it's right.
So one of my rules of thumb for one of my rules of life is george, and I were just talking about a. I have a guy
and it s not a gendered thing. It's like I've got I've got
friend and she is eight-
cancer researcher by the quest. I call her why she's bridge
and got a friend who is a trauma
if I get a question, a call, her gotta buddies, a banker I m going to think about it
at the same time. I don't do it.
Sort of business ever people. I don't trust period, even if its
even if the deal the century, because, like you said it, welcome
and by you I think you know the answer and I think it break your heart that your parents have put you in this position that
You can't even take a great deal because they're not trustworthy tsar, right
what will happen as an. I think you smell this coming down the road as they say hold on
we need money. We gave you a deal on that car that car was worth five thousand dollars. So really you still owe us thirty five hundred or they take it back when you're going to college like we have. We need that car, we need our car, but our car broke down. That was really our car. We gave you such deals. Aren't really yours right,
you can tell these situated what's gonna happen register that that's what I'm afraid of
and that's the exact reason why you shouldn't do this. I do to hate this, for you throw it away.
The one twist
be it.
got something in writing,.
And I understand how incredibly difficult that would be. But if you
sat down with your mom and dad and said it really scared me and it broke my heart when you took money of my account and it made me loose. Trust scared me,
And I'm afraid I'm a by the car and you guys you gotta, do something else like that again in the future and
I got some wisdom from some guys who see families heard each other all the time and-
if put in writing that that pudding,
the title into my name. This is
a car
and put in writing. I'm selling this car to my son fifteen hundred dollars and he owns a title to it, so they can't come. Take it back from you, you and I
in the conversation, then I'd entertain it, but that's a really tough conversation for seventeen year old to have may just be passed, say the best to say thanks mom, but no thanks
that was this hour of the ramsey show in the books, my thanks to John bologna, my cohost, all the folks in the booth keeping the show float and you america. Thank you for listening until next time spend wisely save intentionally and give generously the hey. It's george Campbell, if you like what you heard in this episode and want to know more about getting started on the rangy baby steps, but a ramsey solutions, dot, com and click on the get started that will help you figure out the best next step for you, based on your specific situation, that is ramsey solutions, dot, com and click get started. Hey it's jake's producer of the ramsay 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.
Transcript generated on 2023-06-05.