This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Anthony O'Neill.

Josh is with us. Josh is in San Antonio.

Hi, Josh. How are you?

I'm doing well, Dave. How are you in today?

Better than I deserve. What's up? So, I'm a realtor with a crisis of conscience.

Realtor, I also teach financial peace. I'm currently teaching my third class. And the thing I've come across, especially in these crazy times, is what do you do when you

got this people that the lender's like, oh, you got to go get a credit card? Oh, you got to go

do this debt. I've told people, look, there's other ways to do this. And I've lost business,

you know, and that's fine. God's taking care of my family. But how do you approach this as a real estate

value business forever, you know, doing both sides.

You're talking about the go get a credit card to build your credit thing?

Is that what you're talking about?

Yes, sir.

Okay.

Then what you have to have is you need to find, how much volume do you do?

How many houses are you?

How do you sell?

I do about $2 million a year do you sell? I do about two million a year.

It's a long story how my stuff floats.

My family has been debt-free for a while,

so we're not having to go up and get every single deal

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