Hey folks Dave Ramsey here and I'm excited to bring you a special bonus episode of the

Ramsey show in case you missed it we recently hosted a free live stream for hundreds

of thousands of people that was all about how to break the

cycle of living paycheck to paycheck in 2024. Here are the facts you need to make real change and finally get ahead with your money this year.

Check it out.

Welcome to Ramsey Solutions, Break the Cycle, live stream. I'm Dave Ramsey. I'm Dave Ramsey. I've

been teaching this personal finance money stuff for over 30 years

Showing people how to get out of debt so that they can build wealth change their family tree and be outrageously generous in the process.

We take calls on our show, the Ramsey show, which is a podcast, a YouTube show and a radio

show, now a billion downloads on the

podcast number one on Apple last month with the second largest talk radio show in

America just to give you an idea of the scope and millions and millions of millions of you on YouTube. Thank you. In the

process of doing that we talk to you. Also Ramsey Solutions has a whole

research arm and we talk to you. We know what's on

your mind. It's kind of scary out there right now. When we talk to folks we find

out that most of you are uncertain.

Some of you are apathetic.

Some of you have given up.

Some of you are working your tail off and you can't seem to get ahead.

You've got the rat in the wheel syndrome going. Some people are just plain panicked.

So what does 20-24 really hold? We've got a crazy economy, we We got inflation all over the place. We've got

elections. I'd talk about nuts. And man, on top of that, we got a high

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