Welcome to the Ramsey show where we help you win in your life.

We're going to help you win with your money, win at work, in your

work, and win with your relationships. All three of those are coming together. Hopefully you're

winning. I'm Kent Coleman. Jade Warshaw is the voice and the fabulous face that you see

next to me, and we're here together. We're going to help you out. Take your phone calls

3.8-825-5-2-2-25-2-5-2-5-2-5. Partner, you're ready to go. You warmed up? I'm warmed up.

Salt cleanse on the throat or any kind of loss. Stretch the hammies. Okay. Warmed up the voice. Okay, I like you stretch

your hammies for sitting here for three hours. That's pretty good. We're going to start it off in

Springfield, Missouri with Isaac today. Isaac, how can we help? Hey, guys. So I'm 26. I'm married with two kids,

and I own a business that we just opened back in June.

It's really taking a lot of time from us.

My wife and I are both working at a full time and we're not making much money yet.

And so we're just kind of stressed about bills and stuff.

We're kind of wondering how we can organize our lives better to be able to make more money and move forward.

Okay.

What kind of business is it?

So it's a franchise, but a friend of mine and I bought into, and it's a cookie store.

And it sounds like we got a myriad of issues. So I heard we've got to organize, but then we've got to figure out if this franchise can actually work. So which is the bigger problem? Spending or budgeting the money, the little bit money you're making? Are you making any money at all? What's the bigger problem here? Because I heard several things.

So I guess to get more specific. So we have that business. I'm also a realtor on the side,

and so any extra time I have, I'm spending on that trying to sell houses and stuff.

I knew it that too just a few months ago, so I'm just barely starting to make money.

The business itself, the cookie shop,

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