0:05

The good news is inflation has actually

0:07

calmed down a bit, but the bad

0:09

news is auto insurance increased more than

0:11

17%. If those

0:14

that kind of increases start happening, we will

0:16

all be wishing that we are back buying

0:18

expensive eggs again than we are now. Hey

0:22

guys, welcome to this episode of the Rachel

0:24

Cruze Show podcast. I'm so glad that you're

0:26

here. In this episode, we'll

0:28

chat about how to save money on

0:30

life's unavoidable expenses. Then I

0:32

want to talk through what I would do if I woke up

0:34

with no money. But first, I want

0:37

to share some weird things people do to

0:39

save money and some interesting things I've

0:41

done myself. Take a listen. The

0:44

internet can be a scary place, but one of

0:46

the things I actually love about it is that

0:48

it's full of people who frankly could be a

0:51

little stranger than even me. Something

0:53

in me is relieved when I know there's people out

0:55

there with messier cars than mine. Or

0:58

moms who walk around their kitchen

1:00

looking ridiculous with their heatless curler

1:03

headband things. We all just feel

1:05

human when we see each other. Good. One

1:07

weird thing, one weird thing. It's great. First,

1:10

I want to react though to a list

1:13

of weird things I do to save

1:15

money. Now, not me specifically, people

1:17

on the internet, so it's going to be

1:19

fantastic. I'll give you my thoughts on these

1:22

strategies. And if you stick around to the

1:24

end, I'm going to share some weird things that I do to

1:26

save money. I'm not saying that the world

1:28

and the internet thinks it's weird, but I think it's great.

1:30

All right, here are some weird things that people

1:32

do to save money. Squish your toilet paper roll

1:34

before putting it in the holder because it slows

1:37

down your ability to unroll the toilet paper too

1:39

fast and waste the product. Also

1:42

know paper towels, reusable

1:44

rags only. Unplug

1:46

appliances, lamps, and chargers before use. This

1:50

saves on electricity. Use solar

1:52

power, so this definitely could be worth it

1:54

if you live in a sunny place. That's

1:57

the end of a toothpaste or

1:59

lotion tube. to scoop out more of

2:01

the product when it's almost out. Now I

2:03

get that feeling of funny when you're just

2:05

like at the very end that you will

2:07

just, as much as you can, as much

2:10

as you can get that product out. Give

2:12

thrifted gifts. So thrifting is pretty trendy right

2:14

now. And so a lot of people are

2:16

doing this. No overhead lights, just window light

2:18

during the day. So this could again, save

2:20

electricity if you just use natural light. Hang

2:23

blackout curtains when you don't need the light

2:25

to inflate your home and you can use

2:27

less AC. No cable, cut the cable, just

2:29

Roku. So again, this cuts down on

2:31

streaming services. So all you do

2:33

is pay it for internets and streaming services and

2:35

for a lot of people, that's what they use.

2:38

Use an apartment sized fridge instead of a full

2:40

size. I don't know

2:42

if my family could survive on that, but that's

2:44

a good one. If you're single, have a roommate

2:46

to cut living costs. So of course it always

2:48

helps if they can help in with the mortgage

2:51

or the rent. Keep a minimum wardrobe. So

2:53

capsule wardrobes, again, minimalist idea, save you

2:55

money. Install a turf lawn. So this

2:58

will be obviously more money upfront, but

3:00

we'll save on having to do all

3:02

your lawn care, especially if you have

3:05

a small yard. Use hand-me-down furniture. This

3:07

is always great if you can find

3:09

some antique furniture, family heirlooms or basic

3:12

marketplace. Turn off your water heater in

3:14

the summer. Interesting, I

3:16

didn't know you could even do that. Okay, buy

3:18

all generic products. Yes. Add

3:21

water to shampoo's conditioners cleaning products,

3:23

make them last longer. There you

3:25

go, keep that product going. Install

3:27

a bidet to save a toilet

3:29

paper. Well, there you go. Use

3:32

credit card reward points to purchase

3:34

Christmas gifts for free. No bad

3:36

idea, don't do that one. Come

3:38

on internet. Use drugstore makeup. So

3:40

listen, Walgreens has some good cosmetic

3:42

purchases. Why not? Buy

3:44

meat on clearance when it's almost expired

3:47

and then put in the freezer. A

3:49

little bit of a risky game, but

3:51

hey, save money. Use your dog as

3:53

a home security system. Actually, a recent

3:55

documentary I watched, a guy who

3:58

did break into someone's house, told her she... You get

4:00

a dog, the actual burglar. So it's

4:03

very interesting. Or you use garbage

4:05

bags. I

4:07

don't know the internet. I don't know if

4:09

I can do that one. Hang dry all

4:11

laundry. All right. Given like Italian village vibes.

4:13

Yeah, why not buy a metal detector and

4:16

look for treasure. Actually knew someone that did

4:18

this and they actually found a lot of

4:20

stuff. So I don't know. All right. So

4:22

listen, some of them a little weird, some

4:24

of them actually you could be a little

4:26

inspired by. So there's definitely a few

4:28

tricks in there that, yeah, we'll save you some money.

4:31

But as promised here are some of the things that

4:33

I do that are considered weird. Now, they may not

4:35

be weird to you if you've

4:37

followed my show for any amount of time, but

4:39

they're weird to society and to all the steps

4:42

that we see when it comes to personal finance. Okay.

4:44

Make sure to stick around though, because number five on

4:46

my list, I really want to know your comments on

4:48

this one. All right. Here's some of the weird things

4:51

I do. Number one, I don't use credit cards. So

4:54

you actually specifically spend more when you

4:56

spend with plastic, specifically credit cards, because

4:58

there's no emotion attached. So that when

5:00

you spend other people's money, statistically speaking,

5:02

you're going to end up spending more. So I don't

5:04

worry about it all. I just spend my own money.

5:07

Uh, number two, no car payments. Yep. And

5:10

this is weird because car payments feels like

5:12

a normal way of life, but when you

5:14

don't have car payments, you're not throwing away

5:16

hundreds of dollars again out the

5:19

window, basically, right? To the car company

5:21

or the bank, but also you're not

5:23

paying interest on something that's losing value.

5:26

So great way to save money. Pick

5:28

out your cars. Number three, giving. So this

5:30

may feel like a little bit different here,

5:32

but this is a weird thing to do

5:35

because when you live your life,

5:37

so with an open hand and you live

5:39

where giving is a part of who you

5:41

are, you'll actually find more peace in life.

5:43

I really do believe that. May I say

5:45

you may find more contentment and

5:47

may I say when you realize that and you have that

5:49

perspective, you may not want to buy everything all the time

5:51

because you're living for something, something

5:53

bigger than yourself. It's a real thing. Our

5:56

next is to pay off the house early.

5:58

So this is a really big deal. And

6:00

we talk about 15 year mortgages versus 30

6:02

year, the amount of interest you can save on a

6:04

15 year. But even when you

6:06

work the baby steps, you guys, on average, people pay

6:08

off their homes in seven to 10 years. So

6:11

when you do that, not only do you free up

6:13

that mortgage payment, but all that interest, that extra money

6:15

that's going to the bank. And

6:17

last but not least, Sharon's popcorn trick.

6:19

If, yeah, I've said this on a

6:21

couple of episodes already, but my mom

6:23

would reuse the popcorn bag back in

6:26

the day before you got the plastic

6:28

ones. With the large popcorn bags, you

6:30

get free refills. And so she'd fold that sucker up, put

6:32

it in her purse, and every time we went to the

6:34

movie, you should check that out. We get free popcorn. Huh,

6:36

stealing or economical? We're not sure. I guess you will

6:38

have to decide. to do

6:40

a monthly budget. It's our free

6:42

budgeting app. And if you're not,

6:44

you can do it. And if you're not, you can do it. And

6:46

if you're not, you can do it. And if you're not, you can

6:48

do it. And it's weird because normal is just living your life with

6:50

your paycheck, not really knowing exactly

7:00

where it goes. But with EveryDollar, you're budgeting and

7:02

being very, very intentional. So listen, the world is

7:05

just doing stuff with their money, okay? Normal

7:07

up there, sadly, when you look at the statistics, is

7:10

broke. So if you're being a little weird in life, be

7:12

a little weird with your money. Don't be normal. Don't

7:14

be broke. Do some things that are good for you. Get out of debt.

7:18

Be brave. Have an emergency fund. Be

7:20

investing. Pay cash for things that you buy. Be a

7:22

giver. They're all not normal

7:24

practices. But when you do that, you actually

7:26

start winning with money. Around Ramsey, we like

7:28

to say, don't be normal. Be weird. without

7:33

worrying about networks. Find out more at chministries.org. Okay,

7:35

I've got good news and bad news. The

7:57

good news is, is that overall...

8:00

Inflation has actually calmed down a bit.

8:02

Yeah, we saw inflation reach a five-month

8:04

low in November of 2023. And

8:07

even though it's made its way up the

8:09

graph for a few short periods since

8:11

then, we are still in a better

8:13

place than we were during Egg Gate

8:15

2022. Do you remember that?

8:17

Mm-hmm. But the bad news

8:20

is that the car industry is

8:22

already taking advantage of this. So

8:24

the U.S. Bureau of Labor Statistics

8:26

Consumer Price Index, the CPI, confirmed

8:28

that as inflation eased in 2023,

8:30

auto insurance costs increased more than 17%.

8:34

So that may not sound like a lot,

8:36

but even if you're just paying the state

8:38

minimum, which is around $60 a month, you're

8:40

paying an extra $120 per year with that

8:42

17% increase. And

8:45

if those that kind of increases start

8:48

happening in all other areas, like home

8:50

insurance and health insurance, we will all

8:52

be wishing that we are back by

8:54

expensive eggs again where we are now. So

8:57

let's talk about how you can

8:59

be proactive with saving on some

9:01

of life's unavoidable expenses no matter

9:03

how costs fluctuate with inflation. So

9:05

first, let's just keep with this

9:08

car theme. So number one, one

9:10

simple way to save on car

9:12

insurance is to ask for specific

9:14

discounts. Insurance companies offer dozens of

9:16

discounts, and you probably apply for at least

9:18

a few of them, like being a member

9:21

of a triple-A, which the cruises are as

9:23

of 24 hours ago, 48 hours ago. Being

9:27

a veteran or active military, working as

9:30

a teacher or a nurse, having

9:32

safety features on your vehicle

9:34

like anti-theft or blind spot

9:36

sensors, parking your car indoors

9:38

at night, even completing a

9:40

driver safety course. So listen,

9:42

just ask and your insurance

9:44

agent will hopefully help you find

9:46

the best deal. Now another way to save

9:49

on car insurance is to increase your deductible.

9:51

So your deductible is the amount of money

9:53

that you're responsible for paying for before your

9:55

insurance kicks in and covers the rest. So

9:57

for example, if you get into an... accidents

10:00

and the cost of repairs to your vehicle was $2,500, you

10:02

might pay $500 in a

10:05

deductible and then rely on the insurance to pay

10:07

the remaining $2,000. And

10:09

most people choose a low deductible because they

10:12

want to avoid getting a giant repair bill

10:14

after an accident. But if you

10:16

choose a low deductible, insurers often raise at

10:18

your monthly rate to balance out the risk

10:21

of having it to pay to fix for

10:23

your car. So if you raise your deductible

10:25

to $1,000, which should be covered by your

10:27

emergency fund if you're on baby step one

10:29

or above, then you could save up to

10:31

40% or more on your monthly

10:33

payments. So that's about $635 a year. Now,

10:37

the third way that I recommend saving on

10:39

car costs isn't necessarily insurance, but it's probably

10:41

the most important part of owning a car

10:43

responsibly, and that is to buy, use and

10:46

pay cash. Now before you get all

10:48

dramatic about this one, let me just

10:50

remind you that new cars lose 10% of

10:52

the value the minute you drive them

10:54

off the lot. And in the first year,

10:56

their value decreases by 20% after five years

10:59

by 60%. So

11:02

cars are a depreciating asset. So unless you

11:04

are worth at least a net worth millionaire,

11:06

which is a million dollars or more is

11:08

your net worth. Then again, the most practical

11:10

way for you to buy a car is

11:13

to buy a used one in cash

11:15

and transportation is a basic

11:18

necessity. And so you don't

11:20

have to drive a beater though for the rest

11:22

of your life. So use some common sense, prioritize

11:24

your goals and just say you can step up

11:26

in car later. But when you can

11:28

pay for a car in cash, you are going to save money

11:30

because you're not taking out a loan and paying interest.

11:33

All right, let's go over another type of insurance

11:35

home. So here's some ways to say number one,

11:37

bundle. I'm sure you've heard commercials

11:40

saying a bundle home in auto or

11:42

a bundle and save. And it's

11:44

true when you combine insurance coverage for

11:46

your home, car, and even commercial and

11:48

umbrella policies, you usually can get a

11:51

better overall rate. Plus it makes payments

11:53

faster and easier just to knock them

11:55

all out at once. Another

11:57

way to save on home insurance is to be choosy.

11:59

with your claims. So this one's a very

12:01

fine line because what's the point of

12:03

having insurance if you're not going to

12:06

use it? So I hear you, but

12:08

it is a balancing act. So if

12:10

a few incidences occur close together, consider

12:12

paying for the smaller repairs that's out

12:14

of pockets to keep your premium costs

12:16

low. If insurance companies feel like you're

12:18

asking them to cover every little thing,

12:20

every little hiccup, and they're going to

12:22

ask more money from you every month.

12:25

And this is why an emergency fund is a

12:27

lifesaver. So you have a small cushion of your

12:29

own to fall back on. So again, you can

12:31

soak up some of those costs. So your

12:33

insurance is a spike up. The third way

12:35

for saving on essential costs has

12:37

to do with specific type of insurance that you have

12:40

on your home. And that is a PMI. So

12:43

private mortgage insurance is a type of insurance that

12:45

you're required to pay for if you purchase a

12:47

home with less than a 20% down payment. And

12:50

you want to hear something sad? This

12:52

type of insurance doesn't even protect you. Nope.

12:55

It protects the lender. And it can

12:57

be tempting to just put your house payments

13:00

on autopilot and forget about how much you're

13:02

throwing away and extra insurance fees like

13:04

this one. But recently there's been a

13:06

lot of headlines about the rising cost

13:08

of PMI. So make it a goal

13:10

to get rid of this extra monthly

13:12

cost. Mortgage lenders are required

13:14

to cancel your PMI once you've paid

13:16

20% of the home's value.

13:18

So whenever you can find extra money,

13:20

make sure to put it in your

13:22

budget and put it towards extra payments

13:24

towards your mortgage principal so that you

13:26

can reach that minimum requirement faster. All

13:29

right, you guys. So we've done car, we've done home.

13:31

Let's talk health insurance. So here's some ways to

13:33

save. Number one, stay in network. Did

13:35

you know that you can actually lower prices

13:38

for medical care if you choose a different

13:40

provider? So you can make a call or

13:42

look up your doctor's office online and find

13:44

out if your insurance coverage is in network.

13:47

Insurance companies and their policies can change

13:49

frequently while people tend to stick with

13:51

their personal doctor for a long period

13:54

of time. You can usually expect a

13:56

small co-pay, but choosing doctors that are

13:58

within your insurance is possible. policies network

14:00

will save you hundreds of dollars on

14:02

regular visits. So do your research before

14:05

your next visits and make sure that

14:07

you're covered by the specific doctor that

14:09

you're seeing. Number two, another way to

14:11

save on essential healthcare costs is to

14:13

take advantage of the HSA,

14:16

which is the health savings accounts. This

14:18

is a great account that can allow

14:20

you to contribute money to a savings

14:23

account for personal healthcare costs that's tax

14:25

free. So here's why this is awesome.

14:27

You can use those funds to cover

14:30

small healthcare costs that you don't want

14:32

to have insurance pay for like dental

14:34

or an eye doctor. And you can

14:36

make tax free contributions that roll over

14:38

year to year. You

14:40

can even invest your HSA fund so

14:42

that they grow again, tax free over

14:44

a long period of time. And many

14:46

employers also offer HSA matches. So I'm

14:48

telling you, this

14:50

is great. You never want to say no

14:52

to free money, right? All right. Tip number

14:54

three on saving for health insurance is to

14:57

find out if you qualify for the premium

14:59

tax credits. So to help make the

15:01

costs of buying a plan more

15:03

affordable, the government created a tax

15:05

credit for people with a household

15:07

income between a hundred percent and

15:09

400% of the federal poverty

15:11

line. So this is for people who

15:13

make enough that they don't qualify for

15:15

Medicaid or Medicare, but they're still struggling

15:17

to afford health insurance. So if you're

15:20

buying your insurance on the open market, you

15:22

might qualify for a premium tax credit. And

15:24

I know we've covered a lot today because

15:26

there's so much to talk about when it

15:28

comes to different insurances, what you need and

15:30

don't need. And again, everyone is so different.

15:32

So this is a very grown up adult

15:34

thing we all have to do, but I

15:36

would recommend digging into this. You guys, I

15:38

really recommend the coverage checkup to make sure

15:40

that you're covered in all the right areas

15:42

when it comes to your insurance needs. And

15:44

so the place again where you can put

15:46

money back in your pocket, if you're intentional

15:48

with it. So

15:54

if you've ever experienced an unexpected job loss

15:56

or maybe some kind of medical or family

15:59

emergency, then you. may know what it

16:01

feels like to be stretched really thin

16:03

for money. And as I co-host the

16:05

Ramsey show, I talk to people

16:07

almost every day whenever I'm on that show. And

16:10

I hear so many of their

16:12

life experiences and really the low

16:14

point. And it has to be

16:16

one of the scariest, most stressful

16:18

feelings that a person can experience.

16:21

And it happens way more often and even faster

16:23

than you might think. And if you didn't know,

16:25

I was actually born the year my parents filed

16:27

for bankruptcy. And so, you know, it took them

16:30

years and years and years to try to come

16:32

out of it, gets this place. And it was

16:34

all because of, you know, real estate investing and

16:36

all of this. But for them, they,

16:38

they hit that rock bottom and it's really

16:40

a scary place to be when you're completely

16:43

out of hope. So today I'm sharing exactly

16:45

what I would do if I lost all

16:47

of my money. So overnight,

16:49

if I woke up and there was nothing there, what

16:52

would I do? This is my thoughts. So I

16:54

want to be clear that again, I don't wish

16:56

this on anyone. And I hope

16:58

that none of us have to be in

17:00

that position. But again, why throw some curve

17:02

balls? And trust me, um, there's a lot

17:04

of opinions out there. So

17:06

I do want to be clear that using

17:09

the Ramsey plan and knowing what we teach

17:11

from a principled standpoint is a lot of

17:13

what I'm going to do. So if I

17:15

woke up one day and again, had no

17:17

income, no savings, here is the very first

17:19

thing I would do. Number one, I would

17:21

find income and I would take a job.

17:23

And I'm not talking about just like cleaning up

17:25

my resume or starting to apply. Like I would

17:28

literally take a job just like

17:30

that anywhere I can find to make money

17:32

is what I would be doing. Then after

17:34

that, I'm going to say, okay, I'll

17:36

have that baseline. There's actually money coming in because

17:38

it's probably going to be like, you know, an

17:40

hourly type job of something you would just get

17:42

today. Then my next goal is to find actually

17:45

a salary position with benefits. But until that happens,

17:47

I'm going to be earning any kind of income

17:49

I can. And again, at that point you're in

17:51

survival mode. So it's not like, Oh, this is

17:53

my passion. No, no, no, I need money. And

17:55

even if you're not doing your dream job or

17:57

making amazing money, just know that having a pay.

18:00

A check gives a level of stability to your

18:02

life. It really does. And so for some people

18:04

that call in on the Ramsey show, they've been

18:06

looking for a job for a year, right? And

18:08

if those people might listen, you have to find

18:10

a job. It may not be the job, but

18:13

find a job, have income coming in. And again,

18:15

that's really where this all starts, is it starts

18:17

with income. Then we're gonna move on to budgeting.

18:19

Cause the second thing I would

18:21

do is start a monthly budget

18:23

and just cut majority of everything

18:25

out of my life. So anything

18:27

that is non-essential is leaving.

18:30

So this is memberships, this is streaming,

18:32

this is subscriptions, this is going out

18:34

to eat. Probably my grocery bill, which

18:36

has grown over the years, I would try to shrink it down

18:38

where I could. I'm not going shopping, I'm

18:40

doing nothing. So in terms of the seven baby

18:42

steps, I'm basically at square one. I'm gonna be

18:44

saving for $1,000 emergency fund. I'm

18:47

gonna do anything I can. Any extra margin

18:49

will be thrown at savings at that point.

18:51

And again, I'm gonna cut everything but my

18:53

four walls, which is food, shelter, utilities, and

18:55

transportation. So those are the things that I'm

18:57

gonna be looking at. Cause that's the third

18:59

thing I'll be doing, is just making sure

19:01

that those four things are covered. Now, once

19:03

you do that, again, you may make some

19:05

adjustments in there, because if you have a really high

19:07

mortgage payment, and if you're gonna be at a season

19:09

where you're not making the income you were, there's

19:12

a good possibility you're gonna downsize. So

19:14

if it ever came time for me to

19:16

have to exit my home for a financial

19:18

reason, I want it to be my decision

19:20

that I'm doing proactively and not waiting for

19:23

the bank to kick me out, right? I

19:25

don't wanna get so far behind on mortgage

19:27

payments. I would be more proactive in that

19:29

sense if I could. So anything I could

19:31

do to avoid something going on my record,

19:34

like a foreclosure, again, is the

19:36

best point possible. So selling

19:39

the house may be an option, or

19:41

other things that you look at to say, okay,

19:43

what are some big changes that I could make?

19:45

Now, speaking of selling, step number four is to

19:47

start selling off everything. So I mean, this is

19:49

even selling cars, right? If you guys have two

19:51

cars, maybe you go down to a one-car family

19:54

for a bit. Anything around the house that has

19:56

some level of value, see what you can sell,

19:58

again, to save up for that emergency fund. So

20:00

any fancy appliances that you could live without or

20:02

clothes, I mean, all of that stuff, you guys,

20:04

it can be replaced. But if you really woke

20:06

up one day and you're like, oh my gosh,

20:09

I'm at this point, that we don't have anything,

20:11

what are we gonna do? That's when you basically

20:13

turn your whole life into a garage sale. And

20:15

you do, you cover those basic expenses, but you're

20:17

saving up for that emergency fund. And you'd be

20:20

surprised how much money you really can make selling

20:22

secondhand items. It really adds up fast. And if

20:24

you are in a pinch for some cash, it's

20:26

a great option. The fifth thing I would do

20:28

is pause any investing that I'm doing. So

20:30

while I'm laser focused on building up

20:32

that emergency fund, I want

20:35

that cash liquid. In case something were to

20:37

happen, I want that money available. So again,

20:39

if there's any investing going on that's long-term,

20:41

I'll get to that eventually. But for now,

20:43

I would pause it. And if you're doing

20:45

this, you guys, and you're getting out of

20:47

debt, or you don't have an emergency fund,

20:50

I would really have you consider pausing any

20:52

investing, even retirement stuff, for a period of

20:54

time. Because I know it's important to invest

20:56

for the future. But again, making sure that

20:58

you have things in the present,

21:00

money in the present to help you, it is

21:02

the best thing you can do. And you want

21:04

to keep a logical order of these priorities. So

21:07

again, having three to six months of expenses saved

21:09

before you invest long-term. These are the first five

21:11

things that I would do if I had no

21:13

savings and no income. But again, if debt was

21:15

in the mix, this would be a

21:17

different story too. And the sad truth is, is that more than

21:19

45 million households in

21:21

America have some kind of debt. So if this

21:24

were part of the equation, the first thing I

21:26

would do is probably contact the creditors and just

21:28

say, hey, can I have a short grace period

21:30

or maybe adjust my payment plan temporarily

21:32

while I get my income back to

21:34

where it was? I'd even share

21:36

a small bit of my situation

21:38

with them and the plan that

21:40

I have moving forward. And again, talking to a

21:43

human, it really is powerful. Now, obviously, it may not

21:45

change the situation, but at least you're trying. And you're

21:47

not trying to get out of all the debt and

21:50

just say, oh my gosh, I can't pay any of

21:52

this. But you really are being strategic with your income

21:54

and telling them the reality of where you are. And if

21:56

I had to share my number one tip for

21:58

financial planning in a crisis. it would

22:00

be to take it one step at a

22:02

time and to have hope. And honestly, this

22:04

is why we have the Ramsey Baby Steps.

22:07

When people suddenly realize maybe they

22:09

are broke, maybe they wake up and whether

22:11

they've been laid off or not from their job, but

22:13

they feel like, gosh, we have all these payments, we

22:15

have no money saved. There are some things that we

22:17

can start doing. And you wanna start with checking a

22:20

few boxes, like increasing your income, getting rid

22:22

of debt, and all of this will speed

22:24

your process up more to feel like you

22:26

have control over your money. So remember, no

22:28

matter where you are, you guys, no matter

22:30

where you are, you can make a decision

22:32

to do something different with your money. You

22:34

have that power, you really do. Well,

22:37

if you love this episode, love this show, make

22:39

sure to leave a review. We love to

22:41

hear your feedback. It helps us out

22:43

so much. And while you're at it,

22:46

if you will subscribe to this podcast

22:48

and even share it with all your

22:50

friends and your family for them to

22:52

learn how they can control their money.

22:54

Cause that is what it's all about here, you guys.

22:56

But thank you so much for listening. And

22:59

remember to take control of your money

23:01

and create a life you love.