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this episode of the show is brought to you by timeshare exit team get out of your timeshare safely and legitimately timeshare exit team.com has a 100% guarantee they'll get you out or give you a full refund and timeshare exit team is the only company I trust timeshare exit team calm [Music] [Applause] [Music] [Applause] [Music] [Applause] [Music] [Applause] live from the headquarters of Ramsey solutions it's the Dave Ramsey show when that is dumb cash is king and the paid off home mortgage has taken the place of the BMW as the status symbol of choice hi I'm Dave Ramsey your host this is your show Thank You America for making us the number three talk radio show in the United States today that's right we're on five hundred and seventy nine radio stations today and that makes us the second radio show number two out there in terms of a number of stations but third in terms of listenership Sean Hannity my good friend has fewer stations than we do but more listeners and so he is number two and because he's on bigger stations better time slots that kind of stuff and a few of the big ones and then of course Rush Limbaugh is Elvis he started the whole thing and invented rock and roll and so he has more stations and more listeners than either Sean or I and but thank you guys you who have made this possible because you've spread the word and now 3mil you know if you're just downloading us on iTunes alone oh my goodness gracious that's a week that's bizarre well over a hundred million downloads that's hard to think of a hundred million anything is hard to think of man Wow so thank you guys we appreciate you very much Trent is with us in New Brunswick Connecticut I Trent how are you doing how are you better than I deserve what's up I'm currently in my last year of school and so I work part-time and full-time and I have a full-time job for this summer but my question for you is how to budget when one week you're making 600 in the next week you're making fifty year when it's fluctuating all the time because like you say or whatever the budget like its first of the month to set aside like every dollar or whatever to give it a name but it's hard to do that when you don't know how much money you're gonna make in a mom exactly but you have a pretty good guess cuz you know how many hours you're gonna get and how many how many how much you're gonna be working so you can give it a good guess and then what I would do is just make a list of everything you need to do with money you just start with a yellow pad if you want to yeah you have a copy of the book the Total Money Makeover no I don't okay in the back of any of our books or budget forms one of the forms is called the irregular income planning form okay that form teaches you to do this right here and I could teach you to do it on the yellow pad right now it's not hard just make a list of everything you want or need to spend money on food you know utilities lights and water car gasoline car insurance books whatever right yeah anything you need to spend money on then you look at that list and say gosh if I have a horrible month and only buy one thing what would I do and you put a one beside that item I'll help you with that it's food yeah okay nothing else is gonna matter if you don't eat brother so we're gonna start there I had so food is first lights and water second if you're paying them are your and you're in a dorm or what no I'm still in my van oh so you don't have lights and water okay good are they feeding you yep okay then that might change the list all right so whatever you've got to pay out-of-pocket your most important thing is at the top then your next most important thing you put a number two beside then your next most important thing you put a three beside and that means if we can't do anything else we only do those three period I mean you don't get to do number four if you run out of money yeah you have to write it all out and then rewrite the list in order one through whatever and the list needs to be longer than you can make in a month okay so no matter what you make it's already spent on paper in priority and you just keep spending down that list until you run out of money or month and then you rewrite it Sharon and I used to live like that Trent when we were in the real estate business back when we first started all this stuff because we didn't know what we were going to make in a month and we would end up rewriting the list and because our priorities would shift something would become an emergency or not an emergency later in the month and we just rewrite the list every so often we'd sit down and we lived yellow pad to yellow pad to yellow pad to yellow pad prioritized spending plan it's almost like you make yourself a to-do list of what I'm gonna do for the day and that kind of thing so that'll work for your brother just keep pushing that through but the whole thing is is to be intentional with money and what happens is sometimes if you've got an irregular income you're self-employed your straight commission or like in your case you're just working hand in hand at hand fast as you can go to get through school and that kind of stuff you what happens is two things one is you're just by being disorganized you've become impulsive and then number that's the big one and then number two sometimes people think they can how to earn their stupidity so if I'm stupid I'll just go make some more money I tried to live like that for a long time I really tried to out-earn my stupidity and I've got pretty good earning power but apparently I've got more stupid power so I had to stop doing that I had to get get rid of the impulse and have a plan a detailed plan and in this case it's a prioritized spending plan Kiley's in Chicago hi Kylie how are you our Kyle I'm sorry hi Kyle I'm good thanks thanks for taking my call sure what's up my question has to do with pensions versus 401ks in the next six months or so I might have an opportunity to take a new job however that job comes with a thirty thousand dollar pay cut but it gets me into a pension system listen to you a lot recently I've learned that pensions might not be all that cracked up to be your Johnny Five you take $2,500 a month and start investing it that's millions of dollars yes I understand no that's not a Hill at all okay so stick to where I'm at with the 401k once I get to step four if the only question if the only reason for changing is to get a pension and quote unquote stability know who that is not now if you can take a pay cut of two thousand dollars and get a full pension yeah we might look at that you know but not a thirty thousand dollars lord have mercy that's twenty five hundred bucks a month man put that in the calculator it'll explode your calculator to be skiing rising off of it how much money that turns into that's a lot of money you know I mean like no I just can't resist I've got to do it now I'm gonna put it in my calculator just to kind of prove the point here let's just say let's do that for say 15 years only okay and you're younger than that dude I can tell by talking to you but for 15 years that's a million - okay no I think you can offset it no no no no no no no no no I mean jeez that's a lot of money who if I'm half wrong it's still a lot more than that yeah so and in 15 years you know the thirty thousand bucks that's only four hundred fifty dollars and the four or fifty thousand dollars on the pension it's not gonna pay out like anywhere near like that million twos gonna pay out nope nope nope nope nope nope too much of a pay cut to make that work Ryan is in Phoenix hey Ryan how are you great how you doing better than I deserve what's up uh so the other day I got a call from an old friend offered me a job in Hawaii cool it would be right now I'm making about 37,000 a year plus my pizza delivery job well that's another nine thousand or so but this would be a pay cut it starts at $15 an hour why would you do that just because you want to go to a white-wine [Music] faster but after about three years time for training and everything I couldn't be up to his a all right I tell you what hold on we get back to this break we'll hear the rest of the story you guys all love you hold with us we want to hear this [Music] you've probably just got that reminder in the mail in the form of a maintenance fee and yes you still own that timeshare and yes the maintenance fee is increased again last year the average maintenance fee was nine hundred and twenty dollars that's ridiculous if you're tired of paying for a timeshare that you're not using or can't use visit timeshare exit team they'll get you out safely legitimately and forever you get every penny back time share exit team dot-com [Music] [Music] [Applause] [Music] thank you for joining us a minute I'm glad you're here open phones a triple 8 8 2 5 5 a 2 2 5 carry is with us and Sacramento hi Carrie how are you I'm great how are you better than I deserve what's up we have first we did the Total Money Makeover program in 2003 so thank you awesome and we are debt-free right now with the exception of our homes we have three homes and two rental properties and our primary residence we are selling one of those and we'll probably make about a hundred thousand net off of it once it's all said and done and I think we're just trying to decide what the best course of action those funds are whether to move them into investments or to pay off the remaining rental property which it would do how much do you owe on your home on our primary residence we still we owe like three hundred we just we just purchased okay and you know like a hundred on the rental right okay all right and you have any other cash that's non retirement we have I think of you twelfth under two and then we have our emergency savings which is at ten grand not counting emergency what do you have that's non retirement non-retirement hmm like maybe three thousand in a savings account okay so you don't have like mutual funds or something else going that's not in a retirement account I'm trying with all of our investments I think we have one mutual fund that's probably in about ten thousand but the rest of our retirements our 401ks and IRAs and Roth IRAs okay I agree then I would pay off the rental okay and then the next goals get your house paid off okay if they were closer in debt and we could knock out either one I would choose your home over the rental because in a worst-case scenario I'd rather lose a rental than lose your home right right but they're not close and we can't knock your house out we could only just hit it hard and it'd still be a while and I would rather just knock the rental out because both both are we getting we're getting really were freeing up cash and we're lowering risk so right so but then go ahead and turn that rental income and any other income you can turn it loose on that house and let's try to knock that house on out okay you personal residence perfect okay awesome thank you so much I appreciate it thank you now I was talking to Ryan and I screwed up and forgot to come back to him anyway he was looking at a job in Hawaii he's making thirty seven thousand plus nine delivering pizzas in Phoenix where he lives but his buddy offered to him the opportunity to come for a pay cut to Hawaii which sounds kind of fun except for that pay cut part and then we were talking about why you would do that and you started to tell me and then the commercials interrupted us and then I took another call and screwed up so anyway tell me why you do this Ryan um well aside from the fact that it's Hawaii there is potential that I can make what he's making after several years of training he's making about thirty five bucks an hour mm-hmm okay so I'm just wondering if it's worth the risk of moving over there for the potential of moving up to that and you know leaving very much what I have don't along here mm-hmm so what what industry is he in it's a cabling and Bickley doing fiber optics telecommunications kind of stuff mm-hmm okay so he's making about seventy thousand bucks a year you're making thirty seven and you're gonna take a pay cut down to about twenty you're going to cut your income in half and dude your cost of living in Hawaii is considerably higher than Phoenix exactly especially rent yeah you're gonna be what's class starving to death I mean you'll be in Hawaii but you're gonna be hungry so I I think it sounds like an adventure that's cool don't no doubt about it or you're obviously young and single right how old are you I'm 36 okay and so you get to go just enjoy this this adventure right you know he's just turn around come back because you're not giving up a huge job at 37,000 you can find another one but I want to hear not seven years or several years or maybe in the future I want to hear an exact calendar from him that okay are making 15 by this time next year I'll be making 25 by the time by this time the next year two years from now I'll be making thirty and two years after that I'll be making thirty five or whatever right I mean like you know two or three or four years you need to see some income coming to where you can actually eat while you're living in Hawaii yeah I mean I'd I'd probably be done for living there for a while yeah yeah well I can make it up to that point exactly but the point is I want a set calendar that you are in agreement on so we know how long you're going to be poor yeah in other words I'm willing to pay a price to win but I'm not willing to pay a price if I don't know how long the price is and what winning looks like so good $35 is the carat I got that and but how far out there is the carat and what are the interim meals before I get to the carat and if he can lay that out for you then it starts to make sense that you consider a few of these things there you consider this as an option but just heading over there and going I'm just gonna take a huge pay cut and moved away and have no plan other than maybe someday I hope to make more money no that would be on the unwise column we don't want to do that one let's get this locked down a little bit and get some commitments from him as to what the training regime looks like what you've got to do to win and then what winning looks like an omelet schedule Jonathan is with us in Fort Lauderdale hey Jonathan welcome to the Dave Ramsey show I think Dave big fan thank you how can I help so I have a question regards to the debt snowball a relationship I'm engaged and congratulations on life thank you I'm in debt while my fiance is that free so in terms of lifestyle modification you know how do you navigate those waters when were you'll be married looking at late 2018 so probably another year and a half okay until then she saves money and you work on your debt snowball but she does not pay on your debt until the rings are on the fingers and you come home from the honeymoon at that point it's we until then it's you and me yeah this is a joint venture I mean we're heading in the same direction we pray we hope we think but she does not pay on your debt until after the marriage because then it's our debt and she just piles up money but the good news is is that the day after the honeymoon you could be debt-free if she saves up with an amount equal to your debt that's your remaining debt at the time of the wedding so how much debt do you have currently I have forty nine thousand four hundred and twenty dollars for seven cents on what so we have the biggest one is student loans 31,000 $35.50 I have a vehicle which I have 13,500 balance what do you make I make 68-year less luxuries from once a month based on overtime good so you can clear a lot of this before you get married right I in the past honestly I've been listening to your podcast and how's your book on the way for the past three months and in the past three months I paid off fifty five hundred and sixty dollars you're on their way yeah and I think I think that's going to increase as you get dialed in on every dollar and you really start crunching and going okay my goal is to have as little harm coming into the marriage from my finances now what does she make she makes roughly the same about 65 okay so let's pretend you paid it all the way down to $10,000 before the wedding what you should be able to do by or pay
it off but let's just say you paid it down to $10,000 and let's say she had saved up $35,000 they get home from the honeymoon she writes a check we're debt-free we don't borrow money ever again we've got our emergency fund we're ready to start our lives off and we walk down the baby steps from that point forward together but prior to the wedding keep your finances separate talk about them but keep them separate [Music] dental care is something everyone needs but you typically have two choices overpay for dental insurance or spend way too much money if you are self pay one dental comm is your solution they are not dental insurance they're like a Costco for dental services pay a small amount annually to get access to their nationwide network of dentists find a dentist in your area and only pay one dentals pre-negotiated rates use it immediately and as often as you want know what you're paying before you go start your membership today at one dental com that's one dental comm [Music] [Music] is with us winston-salem North Carolina hi first me how are you hi Dave I'm good how are you matter than I deserve what's not well Dave my family and I are on baby step three and we really just value all of your advice and thank you for all of that but I'm calling specifically today for help with my grandmother and I'm I'm hoping you have some good advice for the situation my grandmother is 82 years old and was recently widowed just last year after a 60 year marriage with my grandfather and he was the primary financial person he handled all the money it was always taken care of she knows how to live within the budget that he gave her but he's not around to give it to her anymore and so looking forward for her long-term care we'd like to put a plan in place right now while she is a found mine and very healthy she's got a paid-for house she has some savings and she has some income from Social Security and some of his investments not a great deal but some but this is complicated by the fact that she is the primary caretaker now for a 59 year old child with early onset Alzheimer's who is deteriorating faster and faster all the time my aunt was a thirty year Air Force veteran and so she's got retirement and she's got disability payments coming in so there's plenty of money but my grandmother is now going to have to put some sort of long-term care plan in place for my aunt and she's in her my aunt is in my grandmother's home and she now needs help in the house for caring for her for basic daily care and the aunts income is not enough to provide for the person in the house I'm sure that it is it's just a matter of not knowing how to budget it appropriately so that there is enough money to care for her for the rest of her life however long that might be well the answer income is it not air force income so it's as long as she lives right that's right okay and she's got Social Security disability as well I'm sure he does as we look at care in the area it's just the cost is so variable between sixteen hundred dollars a month to twelve dollars a month well $12,000 a month and so what is the ants income see no none of that information I have access to sure would there's your grandmother had power of attorney in charge of your answer income yes she does okay well what I would do is budget the care equal for the aunt equal to the aunts income so not saving any others but just budgeting there's no reason to say income there's no reason to save any of it if she if it reaches a point she can't be cared for in the home the VA will care for her and then you know that's that's what's available to her and because it does not sound like your grandmother has the means to support this situation much less the physical ability to support it at this point so it's kind of an untenable situation but it but it's just being cold for a second and just looking at statistics with what you've told me I'm assuming your grandmother is in pretty good health she's probably gonna outlive her daughter very likely yep and dependent because it sounds like it's pretty aggressive on the early onset stuff so I'm you know I don't know I'm guessing but I'm just listening to this on a radio so you should show here so I'm not positive but so what I'm saying is is I want to set your grandmother up to survive without your aunt's income and I want to set your aunt - aunt scare up managed through your grandmother's accounts because she's got power of attorney but - where it's not a drain on your grandmother's assets because it doesn't sound like she's got a lot right and at this point she's just putting my aunt's money all away she's not using any of it but if she starts using it for care the monthly income is equal to the monthly cost of care that's a break-even and when your aunt passes your grandmother is not left with a shortage of income because your grandmother's used to living on her income right that's what I'm saying right okay and so we've got your grandmother's assets or your grandmother's investments from your grandfather's investing days her social security whatever income she has coming into the house she lives on that and the caregiver gets basically your aunt's in come up to but not more than okay if it can be less than that be great because we don't know these numbers yet you and I but that's how I would set it up so the point being that if either one of them were to pre decease the other one whichever one pre diseases the other one the one that's remaining is used to living on their own income okay well my grandmother being the primary caregiver for my aunt she actually has a bit of income coming from the VA because she is the primary caregiver so if my aunt dies before my grandmother then that income will go away yeah yeah but she's not able to actually give care anymore she's actually helping and food and everything she just needs help with like showering and stuff like that but I mean it's so again we're gonna set your grandmother up to where she can exist on your exist after your aunt pre diseases her okay and just run the numbers out that way and then if it happens the other way then your aunt will be okay as well because not only will she have her income but there's the VA back up backstop for her and okay so you know that's how I would lay it all out but you're right someone needs to get in there and help her crunch the numbers because there's a lot of emotion there's the fear of I've never done this by myself before pup I always did it before I don't know what I'm doing I feel overwhelmed there is the fear of I'm gonna run out of money there's the you know all the emotions of having to take care of and watch your daughter in front of your eyes deteriorate and that adds a lot into the you know the all of this can cause you to lose your mind on the mathematics real fast because we're all we're all human beings and you could just go impulse city here and destroy the whole situation if you're not real careful so we need really good guardrails for the whole process and so that and that's why I'm laying it out granny can exist without the aunt there and the aunt can exist without granny there on each of them's independent income plus or minus what she gets from the VA for being the caregiver that stuff and so you know that that direction that that's and I think that'll work for you but you're right you're gonna have to get involved and help them set these guardrails in place and the clue to that was you said early in our conversation that grandpa was he used to set this stuff up and grant granny can live on the budget but she's just not used to putting it together so you guys some of you come around or help her put it together and help her understand why it's there and how important it is that she stick to it and then it and anything we can do in the cost of care of the aunt to keep that below the income gives us margin gives us wiggle room in case something bad starts happening around there and we need some extra money at that point so good question thank you for joining us folks did you know that nearly 5 million people have gone through Financial Peace University it's pretty impressive really and seven out of ten people in America are living paycheck to paycheck of course that's not the ones having gone through for the intro piece University we are hunting right now for some high-caliber sales professionals to be part of our stewardship team the stewardship team facilitates and helps churches bullying Financial Peace University on board and start teaching it in their community and gives them the stewardship tools for the whole congregation to change it's pretty fun stuff so if you're a sales Pro out there we are filling several positions right now and all across our company for that matter but the stewardship team is hiring right now and they wanted me to mention that you can find out about all of our jobs including all the tech jobs and the the executive positions and everything else at Dave Ramsey dot-com click on the Dave's hiring tab on the front and right side of the web front page of the world the right-hand side of the front page words are fun hey oh my gosh of the website Dave Ramsey calm so check it out we're doing work that actually matters so it's fun to work on and we've been voted best place to work in Manish Ville for ten years that's pretty fun so spread the word we're hiring Dave's hiring Dave Ramsey calm on the front page of the website right inside click the tab Dave's hiring now I got it out this is the Dave Ramsey show [Music] you [Music] our scripture that a 2nd Timothy 2:15 do your best to present yourself to God as one approved a worker who has no need to be ashamed rightly handling the word of truth Pat Riley said excellence is the gradual result of always striving to do better Sean is with us in Charleston West Virginia hey Sean how are you hey Dave how you doing today better than I deserve what's up Oh me and my wife had purchased a lot of land a place called Gallade Springs and we planned on building a house there our wife made different turns and when we look up the bead for the land it was for sale in Oh five or seventy eight thousand dollars we bought it for closed for twenty thousand we went ahead and bought it think we'll get a good deal and our worst case scenario we can sell it well since we're so we said besides not to build there we've been trying to sell for the last couple years and it turns out a lot of people now are selling their Lots there for a dollar just to get out of the HOA fees and everything the HOA is a double from sixty and went all it's a 114 a month now you know just think about what do we want to do with this lamp okay so it's a resort place that has unravelled them yeah golf courses and stuff like that yeah yeah okay classic land failure deal okay um well the thing is this is there a reason a logical reason that makes you think that this property is going to sell any time in the next five years for more than a dollar I like to think of a cell no I saw the logical reason I said logical reason Bob is there any evidence I didn't hear anything anything you've told me so far yeah yeah I sell for more than five years based on what what makes you say that I feel that land is worth more than a dollar and why I very nice walk other other people are paying a dollar for it if it's worth more than a dollar why don't you go buy 25 of them tomorrow for a dollar yeah five dollars to get you a lot of land dude yeah you get the HOA yeah yeah yep yep yep yep I'm pushing your buttons here but you follow me yeah so oh yeah I mean ain't makin any more no you're right but out there then banking any that it's worth more than a dollar right now so I don't know I you know but what here's the here's the rule of thumb you have to have a logical reason you have to have some evidence of something going on in the community that's going to give you recovery that's going to say something other than oh crap I lost 20 grand yeah because I lost 20 grand plus I lost what's twelve hundred dollars a year for ten more years another $12,000 you don't put another twelve thousand in this deal to see if it comes back that's serious I am so you have to have a logical reason now our logical reason could be that you've you know the thing will hit bottom and someday it'll come back someday you'll be sitting around a campfire going yeah I used to own that and I sold it for a dollar and now it's sold for 20,000 bucks but it might be 25 years you know I don't know yeah I mean I bought houses in Nashville Tennessee for $6,000 that are bringing 300,000 now that was 35 freaking years ago yeah and you know that doesn't mean I should have kept them all that time it would have been nice if I had the money infinite amounts of money but if I'd have been paying HOA fees on that house all those years that's that might not have been fun you know so what's your house what's your household income sixty five thousand so twelve hundred bucks I'm a year is a lot of money to you yeah yeah so here's what here's what I thought I would do if I was in your shoes all right number one I would start learning everything I can about the area ten mile radius around this property is there any economics going on is there something fun happening that clot will cause people to light up and maybe come in there and buy again someday because the original dream out there with the golf courses and all that crap is now what's known as a nightmare so we have to have something to cause the dream to come back and replace the nightmare for people to pay more than a dollar because the reason they're paying a dollar is their what they're doing is they're betting the HOA fees against the future and they're just holding their breath and they've got the money and it doesn't bother them whoever they are right so but now if you can look up and go yeah you know six months ago everything was selling for a dollar and now some stuffs starting to bring three hundred dollars an acre or whatever and so I'm gonna wait it out two more years and you say you you give yourself a deadline that says I'm gonna give this a while to come back but two years from today if it's still selling for a dollar and there's still no hope and it's still a nightmare and not a dream dude sell it for a dollar God and take your lumps because otherwise you're gonna lose another 20,000 bucks over the period of years right yep and so I don't know when this thing is going to turn it might take it 20 years to turn and it's not worth it if it does yeah it might take a lot of land that all their tubes that they're selling yeah I'm and you know here's the funny thing it's West Virginia property and so it's probably beautiful yeah probably a beautiful piece of ground didn't it it is it is nice very nice yeah I mean that's is over there in the edge of the Appalachians right yep yeah I mean that's that's kind of I came from East Tennessee and says I know what it looks like it looks beautiful it's beautiful stuff so that that's what throws your emotions off hey I got 20 grand I don't want it to go down the tubes and I don't like losing money and I don't like feeling stupid and then be it's beautiful and gosh somebody ought to give something for it but that's not the problem the problem is they develop this thing out on a shoestring and the shoestring broke and then that again the dreams turned into a nightmare so how long are you going to feed this thing on I hope it comes back you and your wife need to prayerfully say here's the number of years we're going to do this for five years and after that we're going to give up or we're going to do this for two years and after that we're going to give up but we're gonna invest twelve hundred dollars a year for this many more years and give this thing a shot knowing that we may lose every bit of what we're putting in but that's our role of the dice to see if it'll come back a little bit and I probably would I'd probably give it some time but I don't want to just say infinitely and I don't want to ill logically believe I want to have some evidence in the area that the area that this thing's gonna recover at some point eventually someone will come in and finish the development out and I mean I know one in Middle East Tennessee that when I was a k
d went broke like this and it's a pretty cool place to live now but that's 50 years later but you know it's 45 years later you know I remember the deal mirror my parents talking about the deal I was one of those land deals everybody lost their butt you know and they're just paying those fees and there's a golf course and there was a pond and a lake because the lake is what it was and all this stuff and same kind of thing but literally 45 years later now that's a wonderful place but you don't want wait that long at 116 bucks a month you don't wait that long life is too short pam is with us Pam's in Knoxville hey Pam what's up hey Dave how you did better than I deserve I'm short on time right quick got a blessing my daughter just got accepted to UTI Oh Missy school go Vols now we have to pay for it we are kind of cash flowing we've done everything that followed you for years as far as all the undergrad work but how are we supposed to check these pharmacy school costs talk to the talk to the industry the pharmacy industry is hiring people coming out like crazy the Walgreens and the CVS is of the world right and it may be that you can pledge your first couple of years of pharmaceutical work to them in return for some big scholarships kind of like an army top deal or a military top deal where you promise to work for them for a few years and they pay for your school and that kind of thing check on that and check some of the big Hospital groups as well it's not a thing that's published but it's something I would dig around on because it's so competitive to get these pharmacists straight out of school they may be doing some cool stuff to help you get through school that puts this our the Dave Ramsey show in the books we'll be back with you before you know it in the meantime remember there's ultimately only one way to financial peace and that's the walk daily with the Prince of Peace Prize Jesus hey guys it's Blake Thompson senior executive producer of the Dave Ramsey show this hour of the show is over but you can also watch on our free mobile app our website at Dave Ramsey comm or on the Dave Ramsey show YouTube channel we are everywhere to serve hey guys this is Dave Ramsey reminding you to catch the Dave Ramsey show live on our YouTube channel weekdays
