The Ramsey Show
Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building
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- 985Why Even Ivy League Degrees Aren’t Worth Borrowing For (Hour 2)Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Should my son take out loans for an Ivy League school?" "How do I get around AI roadblocks when applying for jobs? from the blog: How to Beat Applicant Tracking Systems (ATS), "Should we surrender our motorcycles to avoid the payments?" Support Our Sponsor: Churchill Mortgage PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 986Don’t Take Financial Advice From Broke People! (Hour 1)Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Do I really not need to have a credit score?" "Should my husband quit and start his own business?" "Do I need to buy a house now before I get priced out?" "Should I use my 403(b) to pay off my house?" "What should we do with a million dollars?" Support Our Sponsor: Zander Insurance BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 987Don’t Get “Doc-itis” With Your $378K in Med School Debt! (Hour 3)Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "How can I pay off my debt without changing my lifestyle?" Catching up on retirement later in life. "We have $378K in student loans, what can I do?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, Dealing with a nasty mold problem. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 988Establishing Money Boundaries With Family (Hour 2)Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Get John's new book, Building a Non-Anxious Life, Establishing money boundaries with siblings, "Should I pay off my house early?" from the blog: How to Pay Off Your Mortgage Early, "How do I hold onto hope paying off debt?" Support Our Sponsor: BetterHelp DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 989My Husband Refuses To Combine Finances With Me (Hour 1)Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Get John's new book, Building a Non-Anxious Life, "My husband refuses to combine finances with me," "Should I pull from my 401(k) for a home down payment?" "How can I convince my daughter not to get a credit card?" "What's next now that I'm debt-free?" Getting out of a land loan. Support Our Sponsor: Balance of Nature Zander Insurance PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 990"Fair" Is Where the Tilt-a-Whirl & Cotton Candy Are (Hour 3)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "How should I use my tax return?" "How do I set up my inheritance well?" "Should I use all my savings to pay off my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should we pay off our house before investing?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 991Can You Afford to Light $80,000 on Fire and Walk Away? (Hour 2)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Can I afford to buy my dream car?" Paying off $27K in credit card debt, "Should I pull from my TSP?" "Should I sell my car or pay it off?" "Sell our house to pay off student loans?" Support Our Sponsor: Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 992Should I Invest in Real Estate? (Hour 1)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should I invest in real estate in Thailand?" "How fast should I pay off my debt?" from the blog: How the Debt Snowball Method Works, "Should I sell my house?" "Use a business broker to sell my business?" Support Our Sponsor: PODS Moving & Storage Christian Healthcare Ministries NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 993My Unemployed Husband Bought a $300,000 Car and Refuses To Sell It (Hour 3)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "My husband bought a $300K McLaren before getting laid off and now refuses to sell it," Why whole life insurance sucks, from the blog: What Is Whole Life Insurance? "Should I buy a house with cash?" Why you should always pay IRS debt first from the blog: What Debt Do You Pay Off First? "How do I go to dental school without borrowing money?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 994Get on a Plan and Get in Control of You Money! (Hour 2)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Is it worth it to move closer to work?" "What's the best way to save for kid's education if I'm not sure they will go to college?" "What taxes should I expect when paying off debt?" Support Our Sponsor: Balance of Nature Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 995You’re Playing With a Barrel Full of Snakes for $3,000! (Hour 1)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Get John's new book, Building a Non-Anxious Life, "Should I take out student loans to invest in the market?" from the blog: Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How do I talk to my friend about his terrible money habits?" "How do I buy a car without debt?" from the blog: The Truth About Financing a Car Support Our Sponsor: BetterHelp PODS Moving & Storage Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 996How Should I Be Investing Right Now? (Hour 3)Jade Warshaw & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should I buy a tiny house?" "How should I be investing right now?" from the blog: How to Start Investing in 2023: A Beginner’s Guide, "Is it ever okay to pause the baby steps?" "How do I become a millionaire?" from the blog: How to Become a Millionaire Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 997You Have To Get Angry About Your Debt! (Hour 2)Jade Warshaw & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "I don't know where to start with my debt" What is "Girl Dinner"? "How do I handle medical debt in collections?" "I'm about to lose my job and I have a lot of debt" Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 998Should I Buy a House or Rent? (Hour 1)Jade Warshaw & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "How can I start my financial journey as a recovering addict?" "Should I buy a house or continue renting?" from the blog: Should I Rent or Buy a House? The importance of fun money when budgeting in marriage. from the blog: Why You Need Some Fun Money in Your Budget, Which debt should I pay off first as a single mom? Support Our Sponsor: DreamCloud NetSuite Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 999Your Mother Is a Travel Agent for Guilt Trips! (Hour 3)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "How do I help my parents plan for retirement?" Getting an apartment without a credit score, from the blog: Living Without a Credit Score, "Should I pay off my house if I'm going to sell?" "Should we sell a paid off rental to pay off debt?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1000Are Russia & China Going To Destroy The US Economy? (Hour 2)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Will BRICS put the strength of the US Dollar in jeopardy?" "What should I do about my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should I pay off my car or house first?" "How can I stay gazelle intense in Baby Step 2?" "Should I repair or replace my car?" Support Our Sponsor: BetterHelp Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1001THIS Is the Real Reason To Get Out of Debt… (Hour 1)Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Update on a call from last week, "Should we sell our house to get out of debt?" "How can I find extra money to pay off debt?" "Should I put down more than 20% on my home build?" "Should I save for a house at 69 years old?" Support Our Sponsor: Churchill Mortgage PODS Moving & Storage DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1002Stop Living In $1 Trillion Of Plastic Denial! (Hour 3)Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Why continuing to live in debt and doing nothing about it is choosing to live in denial, from the blog: How to Survive and Thrive Without Credit Cards How to know when you can afford to buy a house, from the blog: Am I Ready to Buy a House? A Debt Free Scream couple that shares their journey from "Dave-ish" to Gazelle Intensity, from the blog: Gazelle Intensity: Do You Have It? "Should I wait to start my own business to increase my savings after battling cancer?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1003Passive Income Is TikTok Mythology (Hour 2)Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here What to do when you can't agree with your spouse about paying off debt, from the blog: What to Do When Spouses Don't Agree on Money Why you shouldn't be borrowing from your cars to invest, The best ways to build wealth, from the blog: How to Build Wealth at Any Age "Is it ok for us to spend money on occasional family gatherings during Baby Step 2?" from the blog: A Guide to Vacationing on the Baby Steps Why you have to identify the reality of your situation when you're in debt, from the blog: If You Don't Want to Be Broke Anymore, Do This Support Our Sponsor: NetSuite PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1004Mortgage Rates Aren't As High As You Think (Hour 1)Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Why you should keep investing paused when paying off debt, Why paying off your student loans and then going back into debt is like a dog chasing its tail, Learn more today at RamseySolutions.com/StudentLoans How losing a low mortgage rate to upgrade your home isn't as bad as it sounds, How selling property to get out of debt won't change your spending habits, "Should I sell my camper to get out of debt?" from the blog: How to Declutter Your Life How saving 15% of your income for retirement is import regardless of what your income is, from the blog: Why Should I Invest 15% of My Income for Retirement? What to do when you're burned out and wanting to make a career change, from the blog: How to Make a Career Change Midlife Support Our Sponsor: Zander Insurance BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1005I’m Being Sued for $20,000 (Hour 3)Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should we downsize our home?" "Should we use savings to pay off our cars?" "Should we buy or build?" "I'm being sued for $20,000," "Should I take a new job that will slow the Baby Steps?" "Should I use an ERC to pay off debt?" "How can I increase my income?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1006Should We Pause Investments To Pay Off Debt? (Hour 2)Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should we pause investments to pay off debt?" "Sell our house so I can go back to school?" "I feel guilty leaving the small company I work for" "Can I afford to work part time?" "Should I increase my emergency fund to pay HOA fees?" "I took our a 401(k) loan, what can I do now?" "Should I pay off my truck?" Support Our Sponsor: PODS Moving & Storage Christian Healthcare Ministries Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1007Can You Build Wealth on a Modest Salary? (Hour 1)Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Can you build wealth on a modest salary?" "When should you buy life insurance during the Baby Steps?" from the blog: How Much Life Insurance Do I Need?, Getting out of an upside down vehicle, from the blog: How to Get Out of an Upside-Down Car Loan, "How can I use my savings to make more money?" "Should we have a larger emergency fund?" "Can we afford the house we want?" Support Our Sponsor: NetSuite Balance of Nature Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
- 1008I’ve Lost Over $100K Gambling (Hour 3)Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should I sell my car?" "Should I redo my debt snowball after marriage?" "Should I use my 401(k) to pay off my home?" "How do I recover my finances after a gambling addiction?" "How do we best use an inheritance?" read more: How to Make a Will, Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
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