Building Wealth Is a Journey – Don’t Rush the Process
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Live from the headquarters of ramsey solutions. It's the ramsey show where we help people build wealth, do work that they love and create actual amazing relationships. Jay wash, all ramsey personalities.

Number one, best selling author is my cohosh. Today, as we answer your questions about life and money, the phone number is triple at eight, two, five, five, two, two, five. I'm dave RAM.

See your host. Thanks for joining us. Daniel is in cancer city. Daniel, how are .

you Better than .

I deserve? Sir, what's up in your world?

Um my life is about to pass away and SHE hit dead for me. Oh my, that I that I didn't know that he had bread to are getting married five years ago.

Wo, i'm so sorry. So what what? What is her illness?

Uh, SHE s roster of the liver and .

it's not working .

and he doesn't qualify for her transplant. And then I started new effect or other organs and she's going to go into the full shutdown.

So you've been marry five years.

Yes.

sir, i'm so sorry. How does he .

she's party for oh.

my god is oh how are you put .

the detail?

Okay, man, okay, you, you, you open this with she's hidden debt from you during the five years that you were married. So SHE ran up debt in her name.

SHE ran up dead and her name pretor getting married back when he was in college. This is the second marriage for both of us. And at one daughter with her, take good a step daughter. But I consider my .

daughter totally.

And that was saving money for regulate college. And we were, thought we were, and you had dead free set for our house.

So the dead, the debt was wrong up before you guys mary got married. You just didn't .

know about that. I didn't .

know about IT. How much did uh.

for for parent here are in a fifty thousand dollars, but i've only received the bill for fifteen thousand.

What kind of debt.

student loan debt.

federally insured?

I don't know. I just received that the other day. It's actually from a the collection agency. I don't have an impact of me.

Apologize is the only this is IT only in her name or did her parents signed ford to?

No, it's only in her name. Her parents offered to pay for her to go to school as long as he show them the grades. And evidently he took the money, was in school for a hot minute. And I didn't know this because he said in a bunch of stuff for a meeting and use the money to go travel OK no one, dear money.

right? Well, let's talk through a couple of possibilities from a tactical standpoint. I'm sorry that you know, your hearts is broken in about three different places.

The deception, the loss, the illness, everything is going on here that is overwhelming um and all of that just a tragedy. I'm so sorry. Student loan debt that is federally insured is forgiven when someone passes away.

okay.

So if this is a federal student learned that there is no issue when SHE passes away, you will, or her parents, for that matter, in syndrome, copy the test certificate and the student long just evaporate as simple and don't pay IT OK. That's probably what we're dealing with. Okay, let's go another out.

In case that's not yet, let's pretend this is private student learned that that he borrowed IT from the university rather than through faster and all that, right? That is not. I'm sorry.

I believe he did because her parents in was too high to test.

Well, this a student I still that there no is not an income limit on getting a federally insured student loan OK OK. So i'm thinking this is a federally interested student on if it's not, let's discuss that. So the do you own anything jointly with her in both .

of .

your names on IT?

The only thing with both are named on IT is warned car. Okay, her credit, her credit from our previous marriage. She's had two bankruptcies that he never told me about because I I had money issues in my first marriage and get that all paid off and I got your book, the total money makeover, and follow that to get out of dead.

And there's a ounce mountain of deception here. Okay, let's pretend to pretend that this not federally insured. I would have you if it's not a fatally interested alone that is for giving upon death, then I would have you contact in attorney.

They're in kansas city on property law. In cancers in most states, when someone passes away, what they own stands good for what they owe and nothing else does just because your matter in most states does not mean you're liable for her debts that have her name. And so the car is hers, a portion of IT. And if the car has any value above what is old, that might be sold and paid towards this day. But other than that, you don't have anything that is SHE doesn't own anything that doesn't sound like no.

so he does not okay.

So let's pretend that SHE were single and SHE had a car and that was all and he owed more on the car than IT was worth and um you pass away with credit card dead and student long dead. There's no assets to pay the deaths. Those creditors ors get nothing when that person passes away with nothing.

Your kids aren't responsible. Your parents aren't responsible. And in most states, your husband is not responsible and less especially in a situation like this where the debt occurred prior to the marriage.

Ah solution. So I am not attorney and canes not attorney, but i'm not a turning and cancer for sure. So i'd want you to check that out.

You won't have to bother and do that if you can discover that the student loans are federally insured. And i'm giving you a high probability they are if they're federally insured, it's no issue at all. You ve got no issue.

You're not liable, period. No one's liable. No one pays anything. If someone becomes permanently disabled or passes away with a federally insured student loan, it's forgiven. It's gone. So you're okay other than you're broken heart o and you're broken heart from losing your wife and to deliver serros rose's and you're broken heart from all the development that's gone on yeah and both are legitimate pain. Brother, i'm sorry you're fashion all this.

He's got he's got ta get in counselling deal with that because he's got a lot going on. He's got the loss. But then it's tough to lose someone that you're angry at or frustrated at or something that's gone on, right? Um and so if .

he had a pattern of this in life and and now coming to a tragic .

yeah conclusion.

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I'm doing well. thanks.

How are you Better than I deserve?

What's up? I have a question then that is, can I can I reasonably consider homeownership in my future at my salary point? Um IT is I will make about forty two thousand dollars a year before taxes.

I would full time and ministry. I love what I do. And I just my question is, can I retire well someday and have home owner ship as part of my future?

How .

thirty .

five good?

I think that it's .

possible. I think that right now you make forty two thousand, but I can't imagine that your salary will never go up. So I think that there is an opportunity there.

Um but IT is going to depend on the decisions you make today. So my first question would be, do you have debt? Tell me a little bit more about your snapshot .

here because so I do have a little bit of that. How about seven thousand? I'm working on paying IT off. According to my figures, i'll probably be dead three by the or the i've played off about twelve thousand to dates so far this year.

Good, very good. okay. And so after that, you're just walking the baby steps through which anybody can do.

The speed in which this happens is going to be directly reflected by your salary. So i'm not gonna that IT doesn't matter and there is something to that. Um and then other part of this is okay.

Are we choosing an affordable place to live? Your include hio. I mean, what's IT cost for you to buy something for?

Are you single? I am single. yes. And I I live and I live in a small town. I see quite a few houses recently for between eighty and one hundred and twenty thousand OK. That would be kind of what .

I was looking at very able on your income.

And what I would do is we've got a really great ARM home mortgage calculators, like how much home can I afford? And so if I were in your shoes, i'd be trying to put real numbers to these question Marks.

And I say, okay, first things first, yeah, how how long is onna take me to pay off this seven thousand? Then how long is IT onna take me to save three to six months of expenses? Then in a lot of those equations, uh, if I were you racial, I would reverse engineer them and say, okay, for three to six months of expenses to say, I need ten thousand dollars if I do the math on what i'm making now it's onna, take me x amount of time and then you get to decide, is that time frame OK with me? Because if it's not okay with me, what do I need to do to make that go faster? And even though they are in ministry, I gotta believe that you ve got time on your hands to add to your your income by doing a side hustle, right?

I do have a second job. I work about, well, fourteen hours a week in .

a second job. Okay, okay. What is? What is your ministry?

What do you do? I work in a children's ministry. Where are basically a the cyclical program for kids?

Good, very good. That's about as worthy the thing as I can think a human can do. Way to go proud of you. thanks.

So here, here's the thing, the probability that fifteen years from today, you're fifty years old and you're doing this exact same thing, making this exact same income is zero. There's no chance. Okay, you will either be making some more.

You might still be there doing this, but you'll be making some more. But even the probability of that you're saying OK to be making fifty, two thousand and fifteen years from now doing the exact same thing. And i'm a fifty year old single lady doing children's ministry at that point.

That's fairly low. I mean, you're pretty much mother to recipe if you're doing that, okay, you just got the one thing and you stuck with IT all the way through, right? And that's not a bad thing. Mother traces is obviously had a good gig, right? Um so uh you know that that's fine if you go that direction, but it's just not the Normal path for a typical person in america.

And so ah what often times happens is that you find other ways to serve children and you you scale IT and your income goes up and your expertise and your experience becomes more valuable in the marketplace. Uh, IT might involve a move IT might involve some kind of life change in your situation, I don't know. But what typically what happens is, is that people progressed through their life, right? And so and that includes their income and and sometimes that means some stair stepping on their careers and those types, I think so I think that's really your future. I just don't know what I don't know to how to describe IT exactly, but I think we can all agree the probability of you being fifty of making exactly the same money, doing exactly the same thing is very low.

So yes, but i'm just saying even that's .

a slight increase is not forty two. So the average households income is seventy eight thousand in america. That's household that includes a whole lot of thinks double income, no kids OK.

So that that's calculated into that. So your income is slightly below the average today, and that's not a thing. There's nothing wrong with that. And that doesn't mean you can't do the stuff what we just talked about, but you just keep that. That's my deal.

And and and then you're in ministry and the stuff that we teach his biblical principles of finance, which you stay out of debt, save money, live on a written plan, those are all from the bible. Live on less than you make. Those are often the bible. If you do that and start investing a portion of your income into a good roth ira, you could have a serious amount of money at retirement and not have a substantial change in income. If you say this track exact yeah.

you're just committing to a more modest lifestyle at the end of day and there's nothing wrong with that. That's your value that you get to choose.

Yeah don't don't call me. You can call me and say I was forced to buy a new car, right? You can call me and say, I I was I was so tired and fatigue from a ministry that I I took a europe and went to europe.

You can call me and do that. That's not no, you don't have these options. You don't have the money to do that.

So you're in a steady thing and you're going to to be a steady person that but I like you're eighty thousand dollar or hundred thousand dollhouse idea IT fits. The numbers are given me. You're not you're not being a princess in this uh a negative princess in this um discussions. I don't hear that coming from you, but you don't have those options.

Yeah you driving a use cry for the foreseeable future.

exactly. And and that's .

not a bad it's not a bad thing. I think that those are the choices that we make when we decide where our passions are going to take us some life career wise.

So god lining ss with contentment is great gain. Rodney is in land a gear. Roddy, welcome with .

the hello, mr. day. I'm I from itself.

Okay, that works. How help?

yes. Um I just got a question uh a few a couple of questions. I mean pretty good say finances I have manage to save uh in case and sit back one hundred and forty two thousand. I don't I have zero I have zero consumer that um no no no no not anything, but um my mortgage I um I all one hundred and sixty five thousand thousand of my mortgage in which i'm gonna be able to uh if I have another good twenty and twenty five about be able to say that all next year. So what of my question is, um do I do I put anything down on my health now I have been plagued about this, writing a check for hundred thousand and britain strike towards the principle and only hope the sixty five thousand and hit and then just played off about this that next year.

Yes, what's your interest rate on .

the mortgage?

Three, seven k watch .

american one hundred. When you do IT, you're say with three point seven percent .

on one hundred OK about five.

Okay, three point seven percent, one hundred charged and I might pay more than that. I don't know what you're emergency fund of three to six months of expenses is, but that's all you need everything above that out to be dump in. This is the rampy show.

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j. Walsh, all rami personality number one best selling author is my cohosh. Today, the ramsey show question of the day is brought to you by why refer? Why refile refinancers defaulted private student loans, which you are different in federal student loans?

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All right. Today's question comes from alex and florida. He says, i'm forty two, married with no kids, and my wife and I are retired.

We clear almost ten thousand dollars a month from our pensions. We own brand new vehicles that should last us eight years or so. We own a waterfront home, but we are high.

But we are retired of the heat harricane and insurance Prices that but you are if we buy our dream home for one million dollars in cash, we will have over four hundred thousand in the bank. We have no bills other than our Normal expenses, so we save, on average, seven thousand dollars a month. I never dreamed I would be contemplating paying a million cash for anything.

I ve been penny pinching and saving for so long that IT feels weird to spend. Is this a stupid idea? Let's see, you're forty two, married with no kids.

You've got this pension. I would love to know what his current investing ratings, if he's continuing to invest in of this money. He doesn't mention any of that.

He'd still have four hundred thousand in the bank. Let's just pretend that that's IT a lump sum is going to double every seven years. So when he's fifty two to will be eight hundred in plus.

So almost a million by that. I ably do IT. Dave.

would you do pay cash for IT? Yeah, no reason not to. My only concern, sitting with the money to do IT, what else you're going to do with the tech out of mortgage and put the money in investment? no.

Well.

the only other option would be .

what only other option would be to buy something less expensive in cash. In my mind, that would be the .

only other option I do. I don't either. Thank you. Buy IT yeah pay cash for no, you're not stupid.

Ah IT is an emotional thing to um you've been sitting on money to let that money go uh into a house but it's not like you're spending IT. If if this goes sad ways, what are you going to sell the house for a profit later? I mean, I mean.

here's the thing, he's probably most of that money probably wasn't just sitting in an account somewhere. I mean he's selling the waterfront house to get IT. So that's exactly what you should do. You take the equity, maybe adds a little cash to IT and purchase this house.

alright? Yes, absolutely. And let's see here. Did did did we own a waterfront home 吗？ Doesn't say if it's paid for, but you know i'm with you, i'm guessing bason this gonna sell that and that some of the million dollars but not anyway.

They answering to your question is, yes, yes, pay cash, pay cash, pay cash, pay cash. Pay cash now and then take your ten thousand dollars a month and I was jay. You ought to be investing some of IT and four hundred thousand doesn't to be in the bank.

IT needs to be in in in some good investments. So get all the smart vest pro at ramsey solutions. Don't com find someone that we're endorsing ing in your area that you get comfortable with that has the heart of a teacher start learning about good investment.

The bank is not on the list of good investments. Johnson and boy y idaho. Hey, john, what's up?

Hi.

thanks for taking my call. sure. How can I help?

Uh, so my wife and I just pay off her house um and my first and sink was to go ahead and uh ramp up our retirement contributions and to make out as much as possible. So we but then i'm looking back at what we currently have in our retirement accounts um and we got about six hundred and twenty three thousand dollars sitting in traditional. And i'm wondering, uh, based on our ages were thirty six and thirty eight, if IT would make more sense instead of maxing out new ross contributions, if we should instead maybe try to focus on converting some of that those additional uh, or traditional uh traditional retirement contributions to you to .

do both a maxing out and then start working on converting IT to rough. But i'm not gna, i'm not gonna choose between the two. I'm going to max out first and then i'm gonna to the above that i'm going to get to IT. What's your income .

about two or five household income OK.

And you ve got no payments and you live in boy seattle, no else payment anything. So you're not you going to build six hundred thousand and one one fell. So anyway, you don't know the money.

right? Well, I mean, we also have some my home upgrades and wife vehicle needs be upgraded OK. I'm kind of looking at the extra money beyond maxing out retirement of you know a lot of that's going to go that direction.

but not for everything. And the great down the car upgrades done, then you can start to pack away at IT. And five years from the day, you can be making more than two of five. Agreed.

agreed.

no. So just you know you thirty, so take seven year plan and let's get that six hundred moved by the time you're forty while maxing out, while up reading the cars, while doing all of this other.

you got room right. And then the violence of that traditional six, twenty three now is going to continue to grow. So going to be but .

that doesn't change IT. I'm still going to do because here's the thing you've got that under the umbrella. If you stop putting money under the umbrella in order to flip that out, I think that's a bad move.

I want you to get I want you to get IT all over in the rock, all minds over in the roth. I moved at all over, but I paid cash forward, above and beyond, maxing out everything, and above and beyond being completely dead free, and above and beyond up writing cars and fixing the house. And so, you know but you're do IT quickly unless you're income doubles, but you will be able to do IT over a five to you know in europe, period, seven year period, whatever. I mean, you're not gna be forty five asking this question. I can tell you that .

mathematically. okay.

So and so you'll be fine. You're going to get there. And you know but yes, I think that is a good strategy to move traditional to a rough.

At what point? okay. I'm trying to think through this. I'm thinking of a good question here. Um so if you're was seeing to the show, you say me and dave, like i've contributed to a traditional four one k most of my working life, i've got a lot over there. At what point ts do you go? This is too much to move or and or what's what's a fair percentage to have in traditional verse rough.

maybe that's a Better question. In game, I don't want to have any other.

right. But if you're if you've been doing that.

okay, I mean, but I wouldn't be I wouldn't be continuing introduction. I move everything to rough today on fresh contributions and in game, I want you to move at all out into rough over a period of time. And here is why let's just fast forward.

There's thirty three year old to uh, sixty five. okay. Um he's not going to cash all of this out suddenly at retirement and anyway, it's and very likely this guy making quarter million dollars year thirty three years old, it's gonna have a bunch of other non retirement investments like dave, right?

Okay, I get a bunch of non retirement investments, got real estate and right mutual funds that are in a retirement plan. So the chances of me actually touching i'm sixty four of ever touching my retirement accounts close to zero, yeah, I will never touch them. So now what do we do? Well, now we're looking at seventy two and a half.

R M. Days require minimum distributions. I don't have those.

This is rough. Yeah uh inherit dire age. They are taxable. If you're traditional.

it's rate.

If the rough are not, Rachel crews and her brother and sister will be getting some day all of our rough product. Yeah no taxes. And guess what? Let's say I live twenty five years from today, sixty four to nineties, right? Put that, put what's in there right now, all tax free, all dropped into their name, tax free. Talk about changing a family tree.

My mind is exploding.

The numbers are extra economical. Oh yeah, they are. I mean, it's our numbers and that's where this kids go on because he's going to have other investments by the time he gets there. And if he gets all of this into auth, he's got the inheritance benefit. The no R M D benefit is really probably not gonna use that money to live on.

It's very good. This is the blueprint.

No, I mean, because he's this does not looking at a two lt worth here, just looking at twelve .

stays on .

because the numbers were giving him with power, company interests, magical people. This is a beautiful and you are bright guy, john. You have you got to run these numbers out that you blow your freak mind.

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One five nine one in consumer x org, equal housing seventeen and forty nine million lanes weet one hundred went to sea, three, seven, zero, two, seven. Jay walsh, w ramsa personality is my co host today. Stacie is in spoken and hi, Stacy. Welcome to the ramsey show.

Hi, thank you. Thank you very much for helping .

me on sure what's up in your world.

Um yeah so I would like to just get an idea of how to deal with our situation. My husband is up in age. He is actually seventy two. Going on seventy three, he has been working all his life and I am only forty nine. Um I have health issues that prevent me from being able to work a full time regular job.

And so currently what happened was recently last year um we were living on a friend's property taking care of the father, uh the the the father of the son that was there and um we were doing really well. My husson was working. We were doing just fine financially.

Unfortunately, we didn't have a home there and we um we were told that the uh owners of the property, which is multiple family members, were having a dispute. And so we were having to get out of that situation due to the circumstances. And when we saw what was happening after covet and everybody losing their homes in losing rentals because people were selling the rentals like crazy, we also had pets, which was restricted us from getting into a rental. Um so we decided to go ahead and purchase home knowing that technically the the economy wasn't great for doing that. My husk makes about uh with social security included because he gets his retirement for security as well as his income um that is about nineteen thousand a year we purchase to home last doctored at the Price of four twenty three ord and unfortunate the interest date was at six percent um I like that six point two and so right now currently I still owe a school lobs uh of about twenty thousand I was specialized this last summer and now or ten thousand dollars for one night night day um and so and then also my daughter there's no schools in our area um that are safe for her to attend unfortunately .

um and so we had to send her to .

a boarding school what what an spoke .

and and washington the schools are .

not to attend I was born in spoken and tell me what that what does that mean so .

actually we are actually in northern iao but like .

right next .

to spoke .

and and so in rural idaho the schools are not safe to a end they .

been pushing .

the um .

poll a OK one thing I don't agree with what they're pushing is another .

thing .

that's different. Okay, I I don't have a problem with that OK. Now what you sell a how you bought a house you can afford.

right shit .

right .

and then go with what move move .

to something you can not, move to something you can afford. Ard, okay, you bought a how you can afford.

yeah.

And to your point, you're in a rural area that's far less expensive than anything that be close to a city. So there should be options, right? There are .

options actually. Unfortunately, the areas out here are really it's gone up.

See, there's not a situation. There's not a situation where there are no options except that there and be bankrupt. Bull, okay, you keep pulling the plug on.

Everything seems to be forced upon you and you don't have any choices. You don't have any choices. You got choices. You didn't have to send your kid to boarding school. You could up sold the house, move to a school system agreed with in a two hundred thousand other house and had no issues.

Okay, you weren't forced into any this, but you know, but the language you use this is if you're a victim of your own choices, you're not a victim change IT, yeah. So stupid house, it's a freak house, is a bad decision. And you bought IT and then you justified as if there was no other choices.

Of course, there was other choices. There's always other choices. We have pets.

Well, there's lots of choices with pets. And i'm not onta back rupp, my family for patch. I love my dog is one of my favorite people. But i'm not gonna bankrupt my family for my pad.

Yeah I I also want to chAllenge the fact and he said he wasn't working and know he said health issues. But I always filter at this point, whenever we get calls where someone is struggling to work, whether it's because of a disability or health, I always tell the story. I bought two recliners on welfare.

They didn't work, and I sent them back, and all of the customer service was done via text. And I realized somebody on the other end doing this whole thing on their computer at home via text. There are jobs out there that you don't have to have contact, that you can be on your own timeline.

So I even want to chAllenge the fact that you're not working. I bet there's something that you can do. So there is a lot in this conversation that needs to be counted for. Yeah.

we've got ta get on top of this and in front of IT rather than behind IT everything. Not chase a new kid. You got to start chase in life instead of IT chasing you.

So sell the house, my window house half Price. Get the kid back at the boring school home school. If you're not work in homeschool, you can you can control the the woke agenda that way. And you know there's a lot of a lot of options here, a lot of options, but you guys just keep rich over and doing crap you can afford and then you're shocked at your brow, yeah. And in this situation.

you really need to have some four sight. When you've got a seventy two year old husband, your fifty, you've gotta start thinking through what the future holds and how you're preparing for because he's gonna IT.

You like a tiny bricks. Sharing is slightly older than me and she's planned for me to diff ers. So um i'm not sure what that means exactly.

I need to sleep with one eye open possibly all of our state plan is predicated on me precessing her. I'm a little worried about this. Of course, SHE is a much Better shaped than me but ove than that.

You just I come on. So I mean, you're right and and i'm not a twenty years or whatever is fifteen years older. So there you go.

So all right, open phones at triple, eight, eight, two, five, five, two, two, five. Corner is in pencil, a hi corner. What's up?

How are you Better than I do?

So, sir, how can .

we help? So I made quit the only.

One yeah so I divided .

to I was going to start more on your company IT worked all out but I ended up take me alone for a truck where I did that um I ended up selling the landsat company not for much.

I mean was just I was thirteen hundred box I did not moving uh ford a from minnesota um and i'm just trying to figure out how to get out of this mom as I have no reason for a truck anymore and I all about thirty one thousand and not worth about yeah I all about thirty one thousand is worth about twenty six forty. I gone down. I make twenty four hundred dollars a month.

What you do?

I just got a job in logistics sales .

for thirty thousand dollars year.

It's forty thousand. So that is really twenty eight hundred a months. I mean, there's potential for commission on i'm twenty one years old.

okay. And you're working forty hours doing .

that are working about fifty hours and fifty hours a week, forty thousand years after twenty six weeks of training, i'm eligible for untapped commission, but they're like there is really no guarantee you make .

commission how hard you work.

right? Ah you're twenty one a place you just move to. You don't know anybody, you need more jobs, take IT to eighty hours a week. You need five thousand dollars to write a check and cover the different siting solitude, right?

Cork.

no, I want to go. Get five thousand dollars ready to go.

Then you're going to have to figure out a way to get something in cash that you can drive around.

and yeah, get you a five thousand million car. So we really, really need ten thousand .

dollars, 就是 看 那个 and a car cash。 You can do IT, but you're going .

to be living on beans and rice and regan, increase your income and there's no eating out. There's no happy hour. There's no weekend trips with the buds.

You're broke, dude. With a truck you can afford. And the way to get out of that is go to bare bones and attack IT with a vengeance .

now and get you a roommate.

There will go. This is the rams show. Do you ever feel like you're finally making progress towards your goals only to get quickly distracted by something else in your feet? Well, that's why we created the ramsey network, your single source for content that keep you motivated.

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APP today live from the headquarters of ramsey solutions. It's the ramsey show. We help people build wealth, do work that they love and create actual amazing relationships.

Jay walsh, a ramsey personality, is my cohosh today. This is a baby steps millionaire thema. We're going to talk to real millionaire and ask them how I did IT.

We started doing this theme hour several years ago because I keep hearing all the mythology in the marketplace, the lives that are out there about where wealth really comes from. People don't seem to know where wealth really comes from. So let me help you with this.

A million aire is a million dollar or greater net worth. There is only one definition of a militaire. IT is a math process.

It's not up to you to has nothing do with your feelings that doesn't care what your feelings are. okay? What your assets are minus your liabilities is your net worth. What you own minus what you oh that .

that is your network.

There's nothing new your income. And when your net worth determines if your millions, when you have a one million dollar or greater net worth, whatever you own minus whatever you own and there's no qualification on that, this is an accounting term. And just because your own tiktok doesn't mean you get to change IT.

This is a definition. And so someone that makes a million dollars might or might not be a million millionaire. That is not the definition.

Millionaire when people say net worth miloni e that's redundant because one hundred percent of real million aires are no million's based on their networks. You don't need to put an additional in front of an IT makes you look stupid. So it's just a millionaire.

That's all IT is. So we're going to talk to people that really have that network and asking where they got IT, and that's what we do here. The phone number triple late eight, two, five, five, two, two, five. We're starting with charlie and Stacy and middle texas. What you guys network.

dave, we think it's about ten point.

Hey, hey, way to go, guys. Okay, give me a little breakdown by mix on that. How much of that is like investment or retirement, real states so on.

We both have an R, A, and they total about two point five, got two, got two houses, one point four, and got six point seven in um investment account um high yield savings account。

And wait ago, good for you. How are you too? Sixty one, six one or five one?

Sixty one.

sixty one? good. okay. How much of this ten point eight million did you inherit?

Oh wow um but two hundred and fifty thousand three years ago with my mom past .

after you are already millionaire .

you but yeah right so been a dam of that inherited anes OK.

And obviously that's not cause you become a million income are your west incomes and you've been working and your highest incomes .

and you've been working. I think when I got out of bed school in that thing, nanny, I got one of the best jobs in my glass and on my twenty four thousand dollars health health insurance for a my family and a car to drift station.

You are rich man.

twenty four thousand love .

IT and what you are what are our best year of income?

Oh well, um last couple years, half million or so.

So now you want of that practice.

Obviously assad, which is a lot for thirty four years， yes.

O, K.

so what portion of the network came from that? Would you bring from that cell?

Oh, that was a book that was just realizing equity in the business. But then there were some good well on top of that. But you got to hear what they he taught when I was in that school. SHE can tell you what he taught and coached two sports for when we were going .

to that school. Okay.

yes. Um I taught elementary. P E. Um I coached basketball on track. I also taught freshman high school YSL education. And my starting pay was fifteen thousand, four hundred dollars.

way to go.

wait to go, taking, taking. And two sports.

way to go. Pro, so what? What would can do you think people can still do this today?

Oh, it's easier to die. And IT was when .

we did IT dive.

Why why you there are so many more investment opportunities there? We didn't have five, twenty nine for the kids. We didn't have college savings accounts. We didn't have health savings accounts. We didn't have four or one case like they do now. Um when you think back to the nineties, when I found out about you, when you are the only that in a small town, you get to go out in the middle of night, in in the midnight, if you had the prime, come on, I M radio about three in the morning.

I did in in midland, odessa. I remember this.

That's right. yes. And that's where I heard about you. That's what I heard of about you.

wow. So that's crazy.

It's so much, it's so much easier, I think, today, because when you think in dynamic there, I did not know what a no load neutral fund was. If you were going to buy a stock, you had to bow a block a hundred of time or something than like that. And now you can buy fractions.

You can it's .

gotta so much easier now than IT was for us. Now the vehicles .

are a lot cleaner. You're ride and there was no, there was no rough back then either.

There are with. So what .

are you guys drive?

Uh SHE drives the super ou yeah .

and i'd drive .

a three quarter ten ade marine G M, C.

Picked for eggy moon. Is that that's a particular .

color they shell in taxi. And so how important .

how important is budgeting where you guys budgeteers? Is that play a part in building wealth?

Yes, yes, yes, yes. Jade and we followed the .

envelope .

system and I Carried around in both the White enable with I pencilled on each envelope. Um you know where that cash was going to go, whether I was going to, uh, the grocery store gas and the kids needs and envelops played a huge part um because I just IT really gave a visual vial person and shows how much money we had. And when IT was gone and um starting off with the programming, I was a little hesitant. Um but once we got started, boy, we stuck with them and we just with crazy with that, we also made our kids listen to the show .

on our treats wow.

first charly stuck with me in the middle night and the kids are with the drop. Hey, i'm proud of you guys. That's amazing.

Ten point eight million dollars at worth. It's where money comes from, boys and girls. I love IT.

Way to go. charlie. Sta hero, both of your heroes. This is the ramsey show.

This show, sponsored by Better help this month, is all about gratitude, and most of us have people in our lives who are grateful for. One of those people for me is the great honor, will Thompson. He told me at to be a dad, a husband, a professional and had a baLance caring for a bunch of people all the same time.

We all know if somebody else we can be grateful for, but there's one person that we often don't take time to think ourselves. We don't always acknowledge that we're surviving, that were moving forward and that we're working towards a Better life and Better relationships. And in a world where everything's gone bunkers, it's not always easy.

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We have reliable folks we trust to help you get the right coverage for whatever stage eran go to anzy solutions dot come slash health dash coverage. If you believe a lie, an untruth, and you act on your beliefs, which everyone does, act on their beliefs. Legia stray.

In other words, if you, if you thought one direction was north and that was actually south, you acted on a lie, you acted on a an untruth and you you get watching on his life, right? You didn't you know that way, florida, that way? main? yes.

And you can't head towards main and get to florida what you can. It's just a long way around, right? You go away around the globe. But the are in the same thing, truth world, building wealth.

And that's why we started doing this because there are so many people out there lying, some of them intentionally and some of just because their ignorant es about where wealth actually comes from. Here's one, all wealthy people get their wealth by being crux. That's just completely asinine. Here, let me give me example. Okay, that guy was a veteran, an, okay, if he was a crooked veterinarian, overcharged, people would take their animal somewhere else.

a business.

If stole from his customers, they take their business somewhere else. Instead, he grew a large business by not being a create, by being in honest guy, sold the business later and became very wealthy, result of doing that. So crooks actually do not prosper.

Well, could you can you can prosper as a cook, but it's not sustainable. It's not a long term strategy. And so what we find is most wealth building's long term now, you can become wealthy for a hot minute, be in a good, but we don't find the typical militaire to be a crop. A matter of fact, we find the percentage of crooks among them to be lowered than the general population percentage crux. And so because one of the issues is integrity has IT seems to be correlated with building wealth.

do you also feel that people have a sort of a negative framework or an improper framework about millionaire? Because a they're thinking of a celebrity status. They're thinking of people who have two hundred million and all. They're not thinking of the everyday person that might have two .

or three million or have confused betwen. The difference A A billionaire has a jet, a billionaire does not. A billionaire has seven cars.

A million aire is driving a uh, what I cola an egg mark up okay right? And you know a billion aire has five houses. A millionaire has one medium, says home yeah .

you may not you may not know the person that .

sitting next to you won't know IT. That's right. okay.

And the methodology to build a million dollar network is different in the methodology to build a ten million dollar network, substantially different. That's right. okay. And neither one is also being a curve. But I think people get confused and I think they get a negative view on wealth because some of the ubi are just weird humans.

They're me.

They'd you to be right. Yes, veteran, I want to be him. Yeah, if you're a Young person, you could want to be that guys.

A man of character, woman of character he taught at at the high school while he was going to vet school. Shut up. He made twenty four thousand a year when he started shut up.

You do want to be that couple. There are people of of characters of substance, but you don't. These watches that are on TV to.

And here's the thing, here's interesting thing. I am not going to be a wealthy because i'm not gonna celebrity. Well, only one point six percent of millionaire in the united states are celebrities, ow.

Sports figures, music people, actors and so on. And a lot of them. We are just weird.

Yes, not all, not all some Normal people, but just play a get fitter but but but a lot i'm not just weird. I mean and I know some of that weird. I mean they are weird and um so you know that's not Normal either.

What is Normal is the guy who you talk to, and that should give you people great hope. If you're sitting, they're going, where is all the hope is gone in america? No, it's that it's not gone.

Don't let people steal your hope with bad information. That's what this is about. Math is with us in kinds of city. Matt, what your network .

h my network is one point five million.

Good for you. Give me a little breakdown .

by category. We have sixty thousand dollars that we keep in, uh, cash just uh in the bank just for a emergency fund. Got IT.

We've got about one hundred thousand dollars in five twenty nine for our children. Good for you. We've got about half a million dollars in, uh, american funds.

I've got we've paid our home off. It's worth about four hundred thousand. And then there is a bunch of all the things that kind of break up. We've got a four one k um that's my wife that's one hundred and fifty five thousand hours. She's vested in a pension and vested in a pension SHE has a retirement plane that's worth about two hundred and three thousand dollars were to cash out. Um i've got a differing comp um through my work it's got about seventy or eighty thousand .

and eight man, how you forty .

five years old cool o and .

how much of this one point five million to you inherit we inherited zero .

zero and what .

was your worst year of working income in your al's best year of working income?

Well, I would say when my wife and I first got married was probably the worst, and I was probably around sixty thousand.

OK has been your best .

probably this last year was right around two hundred thousand.

What do you do for a living?

I'm a state trooper and and my wife is a business analyst for a large global company. That those pet food got IT.

got IT. Okay, cool. And what do you got? Have you ve got a four year degree?

I do. Yes, I have a four year degree from at the time was just from a state color edge. And I taught high school for three years before I change careers.

What was your .

I have a uh a teaching degree in um secondary education.

Get OK. What was your G P A?

My g pa was about a three point seven five.

Good for you. Well done. okay. cool. Very good. What do you drive?

Uh, my wife drives a twenty twenty jeep anger four door jeep. I drive a two thousand one chip anger. And I knew we acquired a um hardly David some motorcycle to replace one that i've gotten rid of um and we also own a um briled new twenty twenty four uh toyota cna minivans for the kids. And i've also got a twenty eighteen four f one fifty that my sixteen year old going to be driven.

When did you your sixteen year old has a Better car than you?

He does. I just want him to be. I want him to be in the safest thing he could be.

Yeah, you you see some stuff out on the road, i'm .

afraid.

When did you get serious about building wealth? Because you're forty five years old, somebody is listening there, maybe forty or forty three, and they're gone gash. How do this guy do IT? When did you get serious?

We were very fortunate. My uncle dug, I gave my wife and I A copy, the the total money make over this was probably, I want to say, about fifteen years ago. And my wife, my wife is on the financial side of things.

And he just stated up, IT was really quick for her. Everything worked for her. We did on blocks. We did peanut butter and jelly. We did all of those, those things that were talked about in the book.

And so fifteen year horizon from the time you learn the plan to the day that you're calling in today, basically.

absolutely. And we when we started, we had car payments on two cars and house payment. So and maybe a little bit of credit card debt, maybe just a few thousand years, hard debt.

So your baby steps million's. I mean, this is pure. You did rams the .

all away through.

absolutely. wow. Very cool and proud .

of you get yeah. We're currently used in one of your investors in the kinds of city area. He's been really good to us. No, no complaints from us at all.

wow. Proud of you, man. Very, very well done. Congratulations, sir, and thank you for being out there protecting the people of kansas on the highways and byways. Brother, very cool. One point five million dollar networks in fifteen years from being broke. Well, that's a good question you answer IT.

Well, I wanted to paint the picture because people think that this takes forty years and fifty years to .

do our average in our millionaire dy that we did to seventeen years. This took fifteen and he's weight, but he's above a million. good.

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George camel here and it's that time of year again, the store shelves are packed with little Debbie Christmas trees, matching pajamas for you and your dog, you know who you are, and giant inflatable able centres for the yard. I'm not mad about that. And speaking of inflation, americans are about to spend close to a trillion dollars as Christmas and get this one third, that spending will be swiped on credit cards.

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It's a baby steps millionaire theme or i'm dave rams in your host. We're talking to real millionaires. What you own minus what you oh is your net worth assets minus liabilities.

When that reaches one million dollars a greater, by definition, you are a million or well there even million old dollars is just not enough. Any not discussing that today theyve. No one should have that kind of money is not a moral construct for your socialist to discuss.

It's a math thing. It's a fact thing. So if you have a million dollars that simple, we want to talk to you.

I don't care where you got IT. If you stole IT, that's fun. Call us and telling sh, okay, if you want the lottery college and tell us if you whatever.

I'd love that story to come through of somebody so yeah .

will put you right here on the radio and say we can't get you convicted of your train but yeah but I mean, really, I mean, we ve i've talked a lot of winners. I talk to people that did the game stop thing and that a million dollars know, I know. I talk to people who did IT ways, bitcoin guys, i've talk to them.

They got a million dollars. I talk to people that did IT with, I don't recommend, and that the data tells us are not Normative. I don't Normally work, but i'll talk to you.

I don't care. I want to hear. I want everyone in amErica here where wealth really comes from.

So you call triple eight, eight, two, five, five, two, two, five. Dian is in secure mental dian. Watch your network.

One point good for .

you and give me little breakdown by category relation.

Well, pretty simple, about three hundred thousand. And homework ity in nine hundred thousand and eight and after four one case.

good. Good for you. How old are you?

Sixty nine?

Sixty nine. Very good. How much of this one point two did you inherit?

Not a penny z at all.

What's your best year of working income and your worst year of working income?

Um working income now probably about ninety five. And my worst year was when I was just eighteen and started working about four thousand.

Okay.

good.

long time ago here. What was what was your career?

My career has always been in the insurance industry.

Good for you. Okay, good. And you have four year degree.

No, I do not.

no. Okay, good. Very cool. alright. Do you think people can still do this today?

absolutely.

why?

Um I think it's um I think they need someone to give them guidance and encouragement. And um I don't know one of the things i'm proud to have on my girls because they are both doing that and they started hearing this from me at very Young age and when they were in positions from, and I am excited to see one of my girls just showed me her four one k balancing of the day and she's just in her mid thirties and I was I was .

so proud of of her yeah very good SHE. She's to be gonna beat mom.

They are, they will. They absolutely. I did not start investing until I was forty at the strong encouragement of a co worker. And this was, and about the midd nineties, before we we knew, and off a lot, about four one case, and certainly before the rock areas. But I started that, investing a very tiny amount, because my friend Bruce would not let up on me until I did.

And you're going, you never met over hundred k.

never in my life.

Wow, i'm proud of you. What do you drive?

I have a twenty sixteen little sibu. That's my computer car. And twenty eighteen RAM have to pick up because of a .

mountain girl. I do not .

live in the city of sacrement. Tal.

I like IT, good for you. We had head of the mountains on the weekends.

I like IT. I live the moth. OK.

alright, you sound intentional. You've been intentional about putting money aside in tension, about teaching your kids the same, you know, a way of life. How much has a budget played into this? Because we know that that's a big part of this rate being intentional money?

absolutely. I started when I first learned the excel product back in the mid nineties. That was when I created a budget for myself. And that developed into a document that I now project out a year, head of my mutton expenses and my allocation, and when things are coming up.

So, you know, IT IT contemplates savings IT contemplates many going into my f four one kay, um you know, a good registration, a little details of life. And I make sure that I pay myself first. I started maxing out my four one k in my very early fifties with some home equity. Rather than putting all of the equity into my next home purchase, I reserve one hundred thousand.

So in the in the last twenty in the last twenty years, what you what do you do for fun?

Um enjoy my home. I ve always enjoyed living in the mountains. It's always felt like a vacation destination for me.

So for me, my fun is coming to my home, is working in my yard and that's my fun um I I do like to count, but I don't do much of IT anymore but um my fun is pretty simple. I don't require elaborate vacations. I like coming home and setting on my house and looking at my living room window. All of the beautiful trees is around, around me.

Lovely life is good. Good for you. I'm proud of.

Very, very well done. Dian, excEllent. I love you. I love you. I love IT, Megan and rally north CarOlina a what is your network .

I gave IT is one point nine million.

Yeah, yeah. Very good. Give me a breakdown by category, please.

In rose areas, three hundred and fifty one thousand four one case, two hundred and seven six thousand um are long retirement investment and savings two hundred and sixty thousand and then our real state portfolio one point zero six two million.

Good for you. Way to go. How old are you?

Thirty five? wow.

Get IT. I love, I love. I love. IT. How much other did you inherit?

My husk inhered fifty thousand dollars when he was a junior in college, when his dad past.

okay. Did that money be cause you to become a millionaire?

okay.

All right. And what you're all best year working income and worst year working income.

Um our worst year we made about of me thousand thousand and our best year to two.

You what what your career my .

husband is a major in the army and I work in um healthcare IT got IT.

okay, you got a four year degree.

Uh we actually between the two of us have four graduate degrees.

Wow you collect them.

okay we do um although three were empty employer sponsored and one was fully cash flowed.

Oh, I was going to ask about that.

Oh, okay, so what's the fancy st. Of the four degrees with P. H, D in the bunch?

No, now there are all masters degrees OK.

But my, my.

since I would say that sound cool as security management and policy.

Yeah, that's big. Good for you're right, the hot seat right now and you're GPA. And when you're doing that particular degree, for a point out, I got a feel you yeah, alright.

Good for you. Well and well done. Can people do this today?

Yes, crap are only thirty five.

of course. Do IT today, right? I want to know how .

long have you made? Two hundred and twenty thousand?

Uh, one year. I just want to curve .

but I always hear the voice of the naysayers in my mind and so i'd like to debunk IT. Ah and when did you get started on this journey? Because thirty five really Young and I mean one point I mean two two million dollars really is where you're rat. So when did you start this?

Um well, I first got plugged into the rainy show back in twenty nineteen. Um we had bought a heart. We didn't have any other debt. So we were fortunate in that even before I met my husband, we were both um very financially savy and knew not to spend more than you made um but I got pregnant with my daughter and instead of getting in the nesting phase of setting up the baby room and everything, I got into the financial .

security .

mode of and there was just a particular lifestyle I vision for our family and I wanted to be able to have .

the financial so means to do IT so avoiding debt and six years of being intentional .

about what comes after paying off and avoiding that done two million dollar network thirty five years old he wins. This is the M G. Show folks the ramsey Christmas cash give away here and you could win big.

We're giving away five hundred dollar Prices each week and one grand prize of five thousand dollars inner daily for your chance to win at ramsey solutions. Dot, come flash. Give away, it's that easy.

Plus our fifty days of Christmas deals is on right now, get up to thirty percent of best sellers and life changing gifts that won't break the holiday budget. Rainsy solutions outcome slice store jay walsh w rampy personality is my co host today. This is a baby steps miloni e female folks with just lds wanted ed, a brand new tour.

Dave ramsey, that's me and doctor john the loney are hitting the road and coming to a city near you on the money and relationships to our and we're putting any twist on these live events. You are going to shape the conversation tonight in the pressure. We're going to give you a list of topics and you're gona pick the ones you want me and john to talk about that night, and we're going to walk out and do IT level.

Can tucky April twenty one? Dm, that would be April twenty three. Atlanta, April twenty five.

Pinions, may five, fourth th, may seven, and cancer city, may nine. These tickets are selling bric. If you want to come, you should get one before they're gone.

Go to day RAM c, doctor john delon y or join David rami, that's me and doctor john loni live in person that night you're gonna ugh. You're gona cry. You're gona learn your ribs will be. So where your spouse is elbowing you, all of that will happen.

Ramsey solutions dot comes slight tor the money and relationships tour, you know, look at the love vans were doing all over the place on our home page and check in there's all of the student stuff all over the place all the time now. Diane, two colors ago, sixty nine never made over hundred thousand. That is one of the myths, one of the lives out that you have to make five hundred thousand dollars year, six hundred or thousand a milor.

you. As a matter fact, we did the largest study of million's ever done in north america. We studied ten thousand, one hundred and sixty seven of them.

The conclusions of that research and the methodology that researchers are the White paper in the back of my best selling book by you steps millionaire and babies. Such million's goes through the discussion of where million's come from in detail. So if you want to learn about the millions subject, the study is in there.

And also the best selling book is in front of the study. One of things we found in the study was seventy three percent of millionaire made over how to grant one third. wow.

That one surprised. Ah, I would know if you told me not over two hundred grand OK, I would, I could to go with them. But thirteen, three percent never made over underground. They fall in the category that dian fell in pretty cool. Richards in kansas city hey Richard, your network ah three .

point one million .

good for you. Give me look breakdown by .

category um basically joined account one hundred and seventeen emergency fun one uh four one k which is now roll over because I am increasingly retired one point one six seven million and then we have my wife. I have rops at seven hundred and fifty thousand donor count at fifty six, their homes about four, twenty five or millions for fifty and because I need items about four, about forty .

thousand cool how old are you?

And fifty seven years old?

Good for you. Well done. How much of this did you inherit?

Well, I didn't hear IT a little bit um and that's part of my story a little bit. I got to two hundred thousand when I was thirty five, in two hundred thousand when I was forty five.

cool. Good, very good. So that did really legitimately oot.

This did. But the way I look at this is the four one. K, my goal was always get a many over and and did that. But IT helps.

But the big thing I find is one thing that I don't always hear you talk about, what you do is people in here at things, and sometimes it's a woohoo moment, never going to go out and spend money. We're going to go, we're going to go buy that big car or that big boat. But my wife and I keep away from that. And so I like to feel I did IT without those things.

Yeah, what you do is you've got the best use of that. But you've got one point one in your four one case. So you would have been a million or anyway.

yes, absolutely.

But but this did legitimately mean the form of you are farm probably had something to do with that. Some of these other cash positions probably have something to do with that. But uh, your four one k has to be payroll deduct. It's not sure none of that uh inheritance can go in there legally. So I know that didn't where that came from.

Well that and you know my wife worked outside the house part time and raised our kids so we are one income a um household in that with her. What SHE brought in is one of the things where you basically had to learn how to do with out and we did in those early years and two Young successful kids. And I think they've learned from watching us. And I got to tell you, when they used to hear your music come on, when really driving down the highway, their heads would .

hit the ground. I love IT. What's your career, Richard?

I was in packaging package.

right? Yes, very cool. Good for you, man. And thanks for the call your hero.

man. I'm so proud of you. ExcEllent, excEllent work.

okay? Baby steps millionaire thema r jade. We found one that actually inherit some money. yeah. And here's the statistics on that because that's one of the last lies that we wanted defeat. okay?

When we studied the largest that when we did the largest study, air tight research and outside research, from looking over our shoulder, so that we weren't doing confirmation bias, we wanted to get the surprises of this study. We wanted to learn what really, really is, what are the facts. And this study is so airtight that this, this, this data is what's known as the truth.

So if you disagree with the conclusions of the study, your what's no is wrong. That's what i'm saying. Okay, right? So seventy nine percent of america's million's and inherited precisely zero. That's eight out of ten.

So when the wealthy, equality, socialist, communist people are winning and crying and say we need to restructure society because all wealth is inherited, they are either ignorant or evil or both. Got IT five percent of millionaire inherited a small amount like five thousand dollars from the grandmother, which is not enough mathematically to cause you to become a millionaire. And another five percent inherited ted money after substantial money, like a couple hundred grand after they were already millionaire.

IT did not cause them to become millionaire. So what? Let me help you with this, seventy nine plus five percent plus five percent is eighty nine.

Ninety percent. Nine out of ten of america's million's are not million aires because of inherited money. So don't let some left wing communist professor tell you that in college don't do IT I mean.

i'm just a sit over here thinking even if IT wasn't inherit, even if somebody didn't hear IT money, who cares?

It's not bad, but no but don't tell people that's the only way because if you don't have a rich uncle that tells you you don't have a chance.

that's true.

I mean, people like me, people like you, we, we.

I never even knew the idea of inherited money never had.

never, never cured to me. That was going to happen. Now it's not to say if you inherited money, did something wrong and the last collar got four hundred thousand, IT was part of his equation.

And IT didn't cause him to be a bad guy. He was in guy. Nothing wrong with everything, money, but there is something wrong with telling people that's where wealth comes from as the primary a methodology.

And its not IT is a methodology. It's like telling people people get wealthy playing the lottery. No, they don't. Well.

then there's a part of IT that if if you paint that as a negativity in your brain, then it's never something for you to inspire to to say i'd like to leave an inheritance ance right because now you told yourself this is an evil, horrible thing and so therefore you'll .

never do IT either ah a hundred percent sure it's the opposite that IT is a godless think because bible is godly man leaves an inherited ance to his children's children yeah so those grant, those eight rams and grand babies are going. It's going to turn out well for them.

goodnight.

Assuming they have the character to manage IT. Now if you don't hear when you don't get money in the restless and not at works, but um you know you can be an upstanding citizen and all that. But but but the deal is because we're not raising trust fund baby snorting cocaine on the back of a yet doing a reality show, I don't even need to produce those.

The other people can produce those. I don't want do that. But but that's not the norm. No, the norm is good. People work their butts off and they don't ruin their children.

That Richard guy, his dad left him four hundred grand in two blocks, and he didn't ruin him so, but in fact, he didn't hardly change anything. He was already had learned to live on nothing, to broke kids being successful. He is talking about that. And you know, he did a great job and the money just actuated.

His life is already made more of who ready.

So don't let people tell you that wealth is evil, or wealthy people are real, or it's a wrong thing to aspire to be successful. This war on success and our culture has got to stop. We need teach people to go win and how to go win. That's what this shows about. The book is baby steps million eight check IT out that puts this hour of the rami show in the books.

Hey, you're still here. What are you doing? You do know that the rest of today is show is playing right now over on the razi network APP, right? All you got to to do to finish the episode is search ramzy e network in the APP store, google play store, or just click the link in the shower notes to downtown the APP or free. You heard me right for free, then right there in the home screen you can watch the rest of today is show about being but to all right, i'm get out here, enjoy or see on the APP.