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Live from the headquarters of the Ramsey Solutions Broadcasting from the pods of moving

in storage studios. It's the Ramsey show, but we help people. Build wealth, do work that

they love, create actual amazing relationships. Christine Ellis Ramsey personality, number

and bestselling author is my co-host today. Thank you for joining us America. Tracy

starts this hour in O'Cala, Florida. Hi Tracy, how are you?

Fine sir, thank you. Good, how can we help? I was wondering if you could advise me the

best thing to do. We have a 401k that we need to roll over from my husband's previous

job and we were wondering if you could advise us the best thing to, you know, what to

roll it over into and should we honestly consider getting a financial advisor to help this

grow because we're very concerned, you know, for our retirement. Sure. Because on 57,

my husband's 53, we do have a house that's going to be still in debt, you know. So we were

wondering what's the best thing to do with this rollover check and, you know, should we

honestly consider hiring a financial advisor or however that goes?

Okay. Yes, yes and yes. And let's walk you through it. The financial advisor, now you

need to keep in mind, I like what you said. You need an advisor. You know, advisors do

they give advice. Then you have to decide to take it. You don't do what they say. You

listen to their advice. If you have a friend to give you advice about your kid, you listen

to your friend and then you decide on your own if you're going to take their advice, right?

Yes, sir. And so what we recommend, anytime you're dating with anybody in the financial

world, you're looking for someone with the heart of a teacher, not the heart of a salesman

because a salesman is going to tell you what to do because it's good for them. The heart

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