I,

randy solutions, broadcasting, pardon living and stored studio. It's the ramsay show where america hangs out having conversations, but your life, your money. I am ramsay personality, rigid, breeze hosting in this hour, when doktor john doe loney, the selling off the rims personality and hosting up it's your doktor, John bologna shut. Your names combat tend to assert its old tough there for a second you jogging. So slow was I yes, you

Where did I felt like a good kings, they're saying no and the booth, no It will give us a call. My brain is working. Give us a call. I totally eighty five, eighty five! That's what I'm talking about triple eight eighty, five, five, two, two: five! Alright first step this our we have luke in denver, hey luke, the show hey. The technical absolutely hopefully help without a bottle of repercussions We call on the house were to high school, but he's a man and irish I I wanted to leave for a couple one. Is I'm not really feel comfortable in the past There should more, I feel like they're taking it. of the property. I'm gonna be taken advantage of the others. I would love to use the money you have my wife and son, It has to be bought out and the kind of refusing to reducing the sale of love.

What is it, what do the job open, LLC or just somebody's: yes, we, okay, we're! What are they want? You to to buy out. I declare a bit nervous tissue alone are now with the interest rates, a mask. I feel like camino, I'm asking a fair price. I ve got the house appraised, eight hundred. We owe for forty on it. So I'm asking a third of the equity Just one twenty either offered me eighty, I guess my question is like issues. Is that price fair to ask? Are there any other, any other fees that you consider? or how old are I'm thirty q? Ok, Your first like deal that you try to make your buddies, had an idea like. Let's do this and

Was it realities yoda IL during your lesson? Luke yeah! That's I'm getting it version and for everyone listening whose like, the real estate game. I can get an me in two guys. friends you ever gonna get this house's could be awesome. Luke tell everyone why they shouldn't do that I mean, there's no, my friends, I think, birds, tat, my changed everything changed my innocence and the way you said it I want people to hear I want to go, out of this thing so that I can buy my wife and kid. A home talk about putting the cart, for the horse right yeah, I mean if it be nice to upgrade. You know how better there for my family, sorry, we're not trying just like in the gray handbook, but

get the so off, just as the reality and its and it's why we always say: do not going hu a deal, especially with debts with friends and family because cause now you're stuck? I mean like what are we? What do we think is a fair price like we could say that, but I mean at the end of the day they have to be the one. So the site right amateurs, it's not split three ways: you legally to leave until you guys all decide on something, and so I if I'm? U you offered a hundred twenty, they are counter offered. Eighty take the math. Off the table, what you think fair market value is in this that everyone's coming up with three numbers, your goal now is yours to want to get out with some dignity, so say one hundred and let's shake hands and let's be done with the design and if they say no forget you, you can do it in a few years since. I sat with real estate attorney, but you can be

you can go, have a judge, dissolved, LLC and the sale and split it that way in that nuclear option, ogre dedicated hold you hostage, I think guy. that would be for you to talk to a lawyer, though I am not in a position to give you legal advice, but my understanding is that, if I remember correctly, you can't ask it To dissolve it all, say dude if they are in after you, eighty and at the end of the day, it's on equity, its imaginary money. Right it doesn't truly exist. You haven't lost anything. Take your aid agreeing to walk away. and a note frustrating we took on the chin. It's gonna be dave, causes stupid tax. I I wouldn't call it the odyssey. You learned your lesson: mana cost you some money and the next time you're not going to make the same mistake. Okay, yeah the lost there, versus what you're saying what the equity, but just to get out of the Alec honestly you'll sleep, better

it ends, and hopefully it doesn't ruin the friendship either either. So, if his friends are trying to rip him off or they're mad at him or whatever ends yeah, I mean I know I just like having him friends so like to travel, but it's true yeah I mean, but I wonder what their reasoning is with what is a thing like that you are in this for a decade manned yeah we're due- everything we always it is in your work, your gap at me. It's it's just met its messy bloody smell. The way around it merely give a kid. Also, your prodi lying on arise that are all of it: ok, I've! Next we have andrea and waco texas, hey welcome to the show hello alone. How did we had ok so the and has husband been dealing with this decision for a while, now, probably about two years now bell a nurse I tell you to go to them. Twenty. I got a r n instructors position and in these

it great for the kids, the chorus of petitions position, but the pay is pretty low, at the point. Where were you Had been having to work extra chance, like part time, did to me and made unable to save. Hey. I'm opportunity came up for me to travel starting in the spring, and with that we have an increase, I would say like four to five thousand more a month, far answers, but it also take away from the the a schedule. Yoga. We have little kid man. I also, I think at one point over. If I stayed in by the hour and instructors position over time. I think it can I would therefore one k in in the position here and now it yeah

that is my men now with colleagues like the spade, the kids cards will be paid for if I stay a long time. It's a good decision this day, but at the same time short term its deadline to travel, more thing it be tommy, cursing you're, no joke! I mean yeah little, that's a lifestyle shift, it changes your whole life and set out. You also are doing a good job. I mean I applaud you recognising reality. We can't continue to bear the candle at both ends. You can do that for a short time when you try to pay off data trying to save it for house or something just to let you can't do that just to live right, so it sounds like you don't want to hang onto the line here, because I wanna dig into this a little bit more. So hang onto the line to put you on hold and then we will holler back at you after the break andrea,

the

the walking back to you and the ramsey show we held a caller over from the last segment andrea from waco. She is a nurse and between her and her husband's job, they're having to make extra shifts just to meet or make ends meet and then she had opportunity to reach apple nursing, which shall make significantly more money, but it's also kind of a change in style and they have little kid so that there is big question marks I cover everything andrea correctly, and I want to be clear to you- was travel like this with a child, I'm thinking of it martha local. Travel ballot by opening hours away from home. We won't be going like far far why things like that you're out of it.

what the committee with the kids and your husband go with you now. I would guess: drive back and forth, ok and try to deal two hours or less from home. Ok, okay, when I heard travel nurse sorry I didn't mean to over the country jump. I was just thinking yeah cause. They said sometimes they'll just send you somewhere for three months. Then you go somewhere else and then it's just kind of it's everywhere, but if it's close, by that you can travel and get there in a debt. You know that within Ninety five situation, then that could be possible differences. Ok, so what you're, which? except from John, I guess his marcel because of the change. I know their prey, his when their younger- and I know it is good to have that gradual, but off at the same time, it's a good idea to also got a dead and am other things you into a traveller thing. It is not a consistency with it at one point

There is always a need but bears, but it's not like a constant This amount every single month kind of thing. So I just want to make sure that yeah it's the right decision. god forward for sure. Ok, so how much did you guys have total with every about Mandy? Ninety, ok, the mortgage right now, Who can mortgage all enemy education, but I so if what not any education, not why go on a cop college Oh, how much are your oh gosh, another ninety one the total and consumer dat have to include that in your debt. Can't pretend it does exist. Ok, ok, you do the same thing. How much are you guys making now a year combined?

a year command me make about looking a hundred and ten thousand okay, and how much would you make if you took travel nursing a year I'll make a hundred and ten by myself, plus I had to make forty five. Look I'm here. I wanted to find out what is your husband do he's a police officer, and I mean, if you did this andrea for two years- here's here's where here's, where my mind went, ok, cause I'm a mom with three little kids and my work. I have to have travelled to travel for events, and all that is obviously no know. Yours will a few hours away from home and all of that it still will be growing right. You're. You have a four hour commute, possibly on sundays, I'm just gonna be law. Or days potentially potentially for me if I'm in your position on my ok I know in it to you of doing ass, it can be hard. Thought can be fun

I also met him. Yoda pay off all of our debt, including the student loans, Emily your pay it all off. If I do this for two years like having it in point unit, I'm saying like mapping it out for you guys to say and if your husband's able to pick up maybe an extra job. You know knights? Ah, if your home- and you guys, I'm in new york in baseball games or working concerts and things like tat workin I mean you could be. ships passing in the night, but only for a period of time, okay cause- I don't you do this over a long period time you're going to your your kids, aren't gonna know who you are going to lose your family. Your marriages can be disaster. You can't live like that forever. for a period of time you can do a lot and you have a lot of debt. A hundred eighty thousand, tell me what a knock that out man as as Please possible, like it

and he hears the light of it out possible. You ve got a job as it instructor which help so you're awake. Oh, there is less pretendedst paler, you gotta. You have an opportunity in a part of the part of your package, comes with the student tuition discount right or, if you're there for a long time it comes with after certain number years, I think, would common across many colleges, I have several close buddies, who were police officers who actually were veterans in their police officers and then they? when I worked at a university right is their kids were headed college and kids the school it free or on a significant discount justice police officers, you could go and his staff nurse and fifteen years in your kids are that old to get the same rights? It is a lotta avenues in too that in the eye occasion, environment, to get jobs between you and your husband,

and that would end up with guinness a similar or same benefit. That makes sense, kinda, yeah, So I would not Alec rachel. Let's say I really think a sprint. Your hundred and eighty thousand dollars Let me say this another way: you're going to infinitely more present with your kids, if you're only but any money, if you're buying he's not constantly banging on the back of your skull, letting you know that you're not safe, you got. It is unfair yes, how old the little ones one for and One foreign six who yeah a couple of Will a busy years will pay exponential dividends down the road. You don't want to say that here,

you know or yan andrew I mean, and you know, or maybe another option is what does he can you track? Can you switch commit some travel nursing, but is there another position somewhere then he's a nurse and you're gonna make more than what you're making now I'm in uniting may like look at options afflict whenever we get stuck in this tunnel forever. A measure of the tibet- yes this or that there's always option three and four and you guys get creative together and again, I'm so big John says it all the time. But facts are your friends put numbers on poorer and look because this fear that ideas it just in your head and adjust looms when you actually look at number and you map things out and you can move things if you can. elegant and be like okay. Well, if we do this this, if we pull this lever will be out of debt in three years for these two lovers we could be out of debt and twenty two may, You know like you, you can start to kind of play around and actually have a game plan, and you and your husband do it together and member. It's not gonna be forever, ever? It's gonna be for a short period of time, but now

intensity and attacking it, it that's what's gonna, you progress, so our career? Is there there are big deal geronimo there, a big part of of are alive and who we are and our careers here. Ramsay solutions you we have a building full of almost a thousand people and we talk a lot. the mission that were on here rooms, solutions of tat, the change america's toxic money culture and that makes us mad when we see people get and tat, makes us mad when you don't have options because of what you ve chosen in your pa and now you're tied up financially get matter. We watch your kids sign away their future to see it loads and so forth. here seer rooms, solutions. It's not just a j o b. It really is a mission to change lives so that sound like a passion that you share, you ve got I got all the exciting rules that we have a room solutions that we are looking to a p and there's never been a time better than to do work that you love, so we're looking for develop,

as your ex designers and writers to help us build. Little products that actually change people's lives. So to see what it's like to do. That matters with us before, check out our instagram and facebook by searching ramsay careers and apply for your dream job here. Ramsay solutions outcome, slash careers, that's ramsay, solutions, darker slash careers in one important thing: if you listen to this and you think cash, I wish my mom could hear them or I wish my brother. I got this guy work. Please please you can The show out with no money, just by some

I been to the show leaving five star reviews. It helps kick the show up into the internet's algorithms. However, that works and it puts the show in front of more people. You can also send episodes that mean a lot to you, or that would mean a lot to one of your friends or family members you considered directly to them. Thank you. So much for sharing the word on the ramsey show absolutely will be back the

What the back to their ramses show taking your cause, this, our I'm rich, occurs with actor. John DOE loney makes up. We have at brenda in a battle. Creek, hey brenda, welcome to the show you think he'll, Thirdly, how can we help Well, I I saw the house and I have accurate equity from madhouse. What do I do? with the right. Now I have no money market, it just sold. May. I mean why hasn't investigate yet, but I am I

Okay, I m an hour. I re and my financial advisers suggested going through a cd for this money. Why? If I were you I'd go now, are you gonna go use it to buy property soon well a possible I dont know what I'm gonna use the money you may be by a fixed, her upper slip. It there could be a possibility. yeah. You know I don't know so many possibilities that could happen with this money. I just want to make sure that I'm getting the biggest bank back in the shortest amount of time, I don't lose a second asleep over that I get. Rachel, and I were just talking about this off air also put put. price on peace, but her and a price on your time. Like you got the money markets, let us sit there, what what else

Have Brenda giovanni debt? No, now and where you living now finally, I have a house that is completely paid poorer is so everything's paid off icing. I knew good causing the bank, well, that's that's from the sale of how's that he asked is at the only cash. You have is this: when forty cash yeah, ok, so If I were you Brenda I mean I would I put some of the savings away. Are you? Are you single, married kids on single thing? Ok, so. If I were you, I would get six months. expenses price that out, some of that from this one. Forty put aside our just keep that no money market account and then this one forty yeah, I'm in at this point, it's gonna like ok, you you're, a baby steps seven was what we would say when you look because you have no mortgage got nothin right, so you are just sitting on

for fund will say a hundred thousand dollars for easy man, so three things you can do with money. You can give it you can save it and you can enjoy its ends, you know at point Burnett. I would encourage you to do all three. If there's, I would give some of this and find some one something a ministry of church or even just a nonprofit, something that you love. For instance, he's going to college, gets a mystery check. You know look at that some way to be generous with some of it. I would enjoy some of it unknown of unita upgraded car or the going rate trip or somethin. You emits a thing to I've been sitting I care light, so I can't even hardly afford to let go of ten dollars. Miranda. My inside you oughta may K, say Brenda die Brenda. I don't no spend money on their holidays enjoy some of it line. Fifty one! That's not that!

I told you I thought about to say one hundred and eleven to fifteen days. You're halfway home, you are, you are you are halfway done, but yeah. I am working full time, so I'm trying to start two businesses- and I I just I just need direction and how to get my businesses going. So I I can ensure the rest of what I have with during about ten dollars for lunch. You you Brenda, you're, you're you're, chasing peace as an external metric you're, never going to find it out there right, you're, not, and if you you get these businesses stable. Enjoy that for about eleven and a half minutes and then you will either have to deal murphy's law, something will spin off behind jr, go solve it or you will just knock

something over to have something to go fix, cassettes. Who, britain, too, is want to buy a house that is a piece of trash and exit up exit because that's exactly what was going on in my life right, you're right, I I busy I like to stay busy and I like to hit my hands in in stuff all the time, and I I I I I like to make money. I I I like all those things and if we're not cool for being Busy is our drink of choice. Exactly become out the holocaust, except it's bits were addicted to business or addicted to the next, the old and the next year, the next year, and then that deal doesn't get us all It anymore we gotta, get two deals. Adam start getting real itchy, and so I want you to make yourself. Gonna vacation Make yourself give some money away to somebody. I want you just to bless the aps. Just

a shower somebody with with with giving guy right, make yourself to a just sit in it. Each sit at it, if you hate it, then you never have to go to vacation again. Just given that is worrying for analysis. Ok I am kind of what looking toward may be cutting my full time job now. Am I gonna I am assuming you haven't how much you may now with your full time, job about forty forty thousand, ok and then how much you make between the two businesses that yours, that you're spending up Well, I'm just starting them up, so I haven't really made anything I saw. So how would you make money going to be like a hobby? Okay, so how it's? What what can work doing to do them? I'm well. It's kind of its kind! incorporating a couple different projects, but basically it's going could be helping women that I have

then traumatized. I actually went through that and when I was going through, that nobody was there, but since that all these women and have come to me it for advice, Yes, I mean I've been life, coaching, probably about ten hours a week. Now I mean not paid, not really anything. I'm just the explaining to them how I've been going through. This is helping them, and I want to get together with these women and just know that their now alone saw awesome. That's maids again, and it is just it's so empowering and so uplifting now, because of where I was to where now where I am and I can see you know, I dug myself out of that hole and I want to help other women to know that, because when I was in that hole, I didn't see the I didn't see why here I or that the passion in your voice. To make this transaction. I ve had to ask this question, but for like That's that you, you think career why's that you may start making a living off of. Like,

I can our counseling counselling people helping them or mentoring down, but it's gonna be cutting your full time job to do that, really ok, just marla. It's like the amount of your heart that you just let me live. Ok, ok, I don't feel like I should get paid for that. That's why I do you know I just I just don't feel like you. Don't I join in the eyes Make sure that I just didn't know. I just don't want you to quit your full time job, because I you need to eat. You need to have an income coming in, even though you have a great you know your thousand dollars left over after your emergency fund, which is awesome, and you can live off that for a few. If you take a break and like Brenda's going too Well for sixty days. You know gotcha consecrated and they, I think you are biogas. Can everything mathematically you can with your money? You have no payments. When you have, hundred thousand dollars in the bank's. If you wanted to you, you that's an option for you, which is amazing. Also, I don't want you to quit your full time job without at least idea of kind of where I, where I want to go, because it doesn't sound like the two businesses that you're starting up

are paying anything. You said originally basically hobbies, and then you have this mentorship thing on the side that your heart and your passion, which you just love to do, which is great so yeah. I would How can a narrow down Brenda his ears. I recommend you do nothing. this purchase for somebody with your background. This is a The combination of a season, I want you to just sit for six months and Just leave the money where it's at like rachel said. I would pull that money out for your emergency fund, pull it into an account where it goes, but just sit let the smoke clear on this, and ten you live in your life. Don't quit your job yet, but give about six months to let the smoke clearance, ok,

What's my next move and you're going to have a lot clearer head in a few months is great Brenda thanks for calling your awesome. This is the ramsey show the the the the our scripture of that aid comes from matthews, seven, twelve. So then in everything treat others the same way you want them to. You for this?

the essence of the law and the writing of the profits. When you're good to others. Your best you yourself, Benjamin franklin, I'm rachel, curry. Without her john d aloni. Taking your calls this hour so you'll hear I say all the time that every needs a well and it's true a basic adult responsibility. And there's just no really good excuse not to have one so you're always hear me recommend an online will begin its the fastest? That's most cost effective way, make sure that your will is taken care of, but also get a lot of questions asking who pays a simple online? Well right for everyone and myspace situation? What if I need a trust or what, if I needed? mirror well or what kind of powers of attorney am I gonna need? Lots of questions are in people's minds. Our team actually built a quiz to help. You find the right option for you, you'll get a custom

salts based on basic info like if your married or single, where you live? Even us, of your estate. So ya know exactly what you need to do in your specific situation, so to take the quiz and find out what now. Will you need to protect your family visit, ramsay solutions, dotcom, slash wills, quiz to check it out for yourself, a right to John and de coma washington, hey John welcome to the show. Guys are read on my john grey talk me help So my question is my fiance you're getting married in november and congratulations to figure out? Thank you trying to figure out how do we budget a month of november, because we're getting married on the eleventh. So how do we budget for life the first ten day than under the rest. I do a separate budgets are due. just one budget for us together.

we'll be married to the lack of time. So, please rate your career wise. I really appreciate it. I was going to say something mean have you have you met her? What so now you're what your fiance you'll talk right, I've if you and I were hanging out I'll, be making some jokes, but I don't know you that well so nice john, you know I had. I would certainly I would start it in december, and I was so started november. Logger. So are you now Like I don't know, we were you we give terrible advised velocity such was. The whole john is appreciated, but you're so diligent what's make is she's as she is like nerdy when it comes to the budget, as you are here now, I believe, a man like you hate she is lucky to have married you right now but she's done, you're wearing

I think that's gonna, be me. I like it gets a conversation in august, say I would sit down in november and say: hey here's, your both gonna get. at the beginning of november or the end october and say: here's were budgets, gonna, look like and we can move forward this way or you both take your budget can you carry him in and go get married? And then you have your honeymoon and then you come back at the end of november and you settle in for warming all that december. One first budget, that's what I'd say: yeah, so you're saying you got fifteen days to just kind of run. It up be crazy days for two weeks, John, but the nerd one down and just go for it. Ok, have the together already just for the wedding stuff yet, and I have heard rachel talk about in the password you have like our accounting. It's just for what aid and when you get married, Sarah thriving

there. He asked account together, so we have an account together. Now, that's great yeah and put all the money, and I mean you to that end of coming here? Your ten days out, like that, when we say when you say I do you combine your finances immediately, I mean like yes, We do want people doing that when their dating or when there are engaged in, they have nine more months supplanting planning their wedding, but you guys are eleven days our logo finally studio yea. I see your guy, your gut. I would. I would just tickets, fiji brats john hurting important generic you'll talk to talk about it together and don't they so you can do it on the eve of your wedding is to go and say hey. I call the couple knuckle heads on the radio and here's. What we're gonna do this thought away start a marriage. I will got her and say what you think the best way to do this is I'm thinking We settle it up for december and thinks he's gonna go ahead, percent? No she's, not not even a little bit you gonna go! I urge all of you and that's.

Yahoo this november one. I love you too several and I love you. Yes, as great january fifteenth, I love even more in the years that the key you'll do together. Yes, yes, aside, there in your great thanks John. I appreciate what you really jazz. I really appreciate your diligence, so great a kind of action drew in. Not really it's your readings, hard readings hard. What's up drew you think, so much for taking my call what I like to do that just give you my vitals, real, quick and then I'll ask her what my question tool am currently about one hundred and ninety two thousand dollars bet. I get paid around one hundred and fifty two thousand a year, one hundred and flow that is, for my salary in forty eight thousand about a minute retirement and curly down on two cars collectively at about ten thousand dollars,

I am currently enrolled in randy budge on baby step two and I am side hustling as a door dasher. So my question is this: should focus on paying down those two upside down cars and war and then get rid of them, or should I go with the traditional smallest, two largest debt? Much are you upside down to say ten thousand on each? ten thousand collectively selectively between both of what was the total loans on its outrage thirty, eight thousand and forty eight thousand some like that. I would honestly drew out get rid of both of em take along for the de France, I just say: you're, not you're, not paying those payments every month and as as just a lot to talk about eighty thousand dollars of debt and dropping to fifteen thousand. That's a huge. Yeah huge advancement yep. So I would limit I can't take off. I can't take a laugh. I tried to run alone because, basically I went online that she would have had to say about it and shit got alone, but unfortunately, my credit score so terrible right. Now that I could

I got alone I would have to do it after literally didn't minimum is on all the other dutch and focus. One vehicle at a time, and that's that's what I was wondering. If I guess I don't know it's all right, it's just that got some good news, because it keeping them at the thirty eight and forty eight like if you just keep them, as is. Now what I'm saying saying it is like. Could I can't I can't let alone without speaking this is causing just pick? in the name of the other debts and then Have you gone to a local credit union drew? I have now is everything online. Local credit union, and I would like somebody I yeah would go in person somewhere. I met and no more places. If you get one know that they won't know, give you this this The deference go to somewhere else somewhere else, and usually credit unions, local or local banks. Sir,

Banks will be better than like a bank of america or something and national social somebody with a guaranteed pension. Come in. You ve got check common in every every month, yeah and when go to online bank, Egypt, you're, an algorithm you're. You fall into a the boom boom boom. Here's the output, when you go shake somebody's handed accredited in europe. community scams it's different as they may not be, but rachel the broader question, let's say: no, no moon will help him out this such a massive part of his death, does he paused everything, save up ten grand go in and sell these things in their upside down, or do you just rolled into the baby steps I would probably yeah I'd save up the ten grand. I think it would. The amount of money he's spending every month on payments, yes, would would outweigh accelerate yeah, but I would say. I'm gonna go try to pay off the eight thousand alone

No, don't I have your eyes just to get rid of all covers yeah exactly exactly by things, for the call drew appreciative. Tanks, if it is fascinating to me always hearing people and thank you jerk, you for your service, who, You have kind of like really and with this stuff and there like ok, I'm in a chain, I'm gonna change this new here and their voice manages her to even Andrews voice. So, if you're they are just as a word of encouragement and you ve, not. This process in your thinking, golly we're living pitched paycheck to pay check. This is how life is just now like this, shows a testimony to the fact that it doesn't have to be that way with the war

it says, is so normal and how it's always going to be. That does not have to be your story, and you hear people at drew, and so many others throughout this three hours today that man they're making radical decisions with their life and their extra getting control of their life. So it's a beautiful thing, John always fun to host with you and thank you, america for listening thanks. Everyone in the booth we got James bit, zach Andrew austin jenna. Thank you. America will be back the way it's drawn to load. He co hosted the ramsey show. Did you know over eighteen million people? Listen to the ramsay show every week a lot of those people listen on one of our six hundred plus radio stations across the country. To find a station near you go to ranger solutions, dot com, slash the you enjoy this podcast. You should check out other great podcasts from the ramsay network. Like the doctor, John baloney show mental health challenges in hurting relationships happen to everyone, but they don't

the define I'm, not your john bologna, and I help people navigate through the messy things in their lives. On the doktor john bologna show, walk alongside you as you face parenting, marriage and other relationship, challenges and I'll walk alongside you as you try to connect with people as you face, depression, overcome anxiety and learn how to change your life. Listen, I want you to be well. the doktor John bologna show were areas in a pike asked aids james producer of the rams issue. This episode is over but check the episode notes for links to products and services you heard about during this episode. Thanks for listening