Ramit Sethi: [00:31:17] Whos more adventurous out of the two of you? In 2019, Ramit Sethi married Cassandra Campa who is a personal stylist and runs Nextlevelwardrobe.com. Its a fancy car. Ramit Sethi: [00:20:49] Yeah, there is. (Indian weddings are notoriously extravagant and, even in the US, they cost roughly $65,000 on average, according to one estimate. Ramit Sethi asks the questions we wish we all could ask, presenting a totally different philosophy on money: Spend extravagantly on the things you love, as long as you cut costs mercilessly on the things you don't. Ask $30,000 questions, not $3 questions. Sethi, who is 36, got married in July. But theres a caveat. Everything you see in the world comes through those lenses. Heres what youll find next week on the I Will Teach You To Be Rich podcast. Well, today, Id like you to meet Michelle and Charles. Weve been married 21 years and its about time after flights after four hours, were in business or first class. Age, Height, and Weight Being born on 30 June 1982, Ramit Sethi is 40 years old as of today's date 21st February 2023. After you read it, check mrmoneymustache.com (free) - Both are very good, but they have almost opposite philosophies. And I could frankly say that I have been unfair. "My advice to you is acknowledge it, plan for it, don't delude yourself into thinking that you are only going to spend $16 on a wedding.". This is how most people view the world. When we fly, we fly as basic economy as we can. They do not look happy. Sethi says he automatically flies business class (or first class, when flying domestically) for any flight longer than four hours. Ramit Sethi: [00:37:10] Okay. Michelle: [00:13:30] The most dangerous three words that Ive heard for 21 years is, in my mind, its whatever he makes up his mind. Forward 15 seconds. Charles: [00:15:26] I think its costing me quite a bit, because I think that I want to have a partner in my marriage when it comes to the money and the investments. I mean, the reason why were coming to you now is because after all these years, its just too much. So, clearly, youve probably talked about this before. Ramit Singh Sethi is an American entrepreneur [2] and self proclaimed personal finance adviser. I try to get her to sit down and talk about different things that I do, because before, I would make an investment without talking to her about it. He would pay his . And okay, that took some time and all that, but theres a cost to sharing your analytical views all the time. Had a wonderful time and met Thats what Im going to do right now. Charles: [00:14:18] Yes and no. Just rewind back to what you just said. Michelle is looking for a little partnership here, a little trust, to focus on what can go right instead of only focusing on what can go wrong. Do you think that them getting ready to start thinking about college is perhaps also bringing this more to the surface? How do you feel? Ramit Sethi Wife He is happily married to his wife Cassandra Alicia Campa. Do you think theres an amount she could spend that would materially affect your finances negatively? Im dumb with money and hes making me feel worse, Episode 12. Charles: [00:05:38] It feels great. And so, in my mind, if theres no agreement or a plan on how to spend the money, then theres no cap. Ramit Sethi: [00:41:25] Well, suddenly, they have to start to acknowledge that friends arent inviting them out as much, that theyre accumulating a huge amount in their checking account and they have no idea what to do with it. I just learned he took out a secret $100,000 loantwo years ago, Episode 67. Like this story? If I'm on Disability, Can I Still Get a Loan? We're going to walk past this iconic old building. Charles: [00:21:14] Its financial freedom, right? When we stay in hotels, like he said, its the cheapest. Both agree that your emergency fund should be in cash -- not invested. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Is it blueberries that youre buying at the dollar store? So, you wrote, we have a 10 million-dollar net worth and 2.5 million-dollar income, and we still share a Netflix password. And if youre so planful about everything, youre going to miss that in those spontaneous magical moments. But I think the biggest difference was like, Im very intentional. For the next 12 months, lets just kind of outline, what do you want to do to the house for the next 12 months? Its not important to me. Ramit Sethi: [00:01:04] Hi. Cassandra Sethi is a personal stylist, founder of Next level wardrobe, and wife of a famous American personal finance advisor Ramit Sethi. And then, also, the few things that he just mentioned, first class and the big house, those are false. I make $200k/month. I mean, were accurate on how to save it and why save it, but theres a big divide on spending, how to spend, what to spend it on, why spend it on these things? I think early in my marriage, I was much more selfish with the money, but Ive tried to make amends and try to be more open with her. I know theyre trying to signal that theyre happy, but I consider this almost a criminal lack of imagination, to not know what you would do with essentially unlimited money, not even a single amazing trip, not even taking your family to create an unforgettable memory, Im not impressed. And I have my views about money. I mean, Im a Whole Foods kind of girl. Charles thinks one thing. You know why? Ramit Sethi, the author of I Will Teach You To Be Rich, has struggled with this in his personal life as well. So, again, its that negative spin to it, and Im like, yeah, I want to do that, whats wrong with that? We are debt free and have maxed out our 401(k)'s. . How much is it going to cost? Alright. In short, stop questioning the little purchases that make you happy and just go for it. I think it was just this feeling of, we dont have enough, we dont have enough, but the numbers always showed that we did have enough. If I find it, it can take me to that secret underworld where the real truth is. Okay. Sethi is the author of the 2009 New York Times Best Seller, I Will Teach You to Be Rich and founder of GrowthLab.com, [3] owner of IWillTeachYouToBeRich.com, and owner and a co-founder of PBworks, a commercial wiki website. I think that its been wearing on me, because I tend to think about price and money too often, and I found myself just stressing myself out too much. This one time, we didnt plan out this vacation to Los Angeles, and it was Michelles doing, and she wanted to not plan it, and we had like one of the best days. Ramit Sethi, I Will Teach You To Be Rich. Now, the good news is that they both came to me open mindedly willing to listen and potentially change. Watch me now as I sharpen my questions so that he starts to truly internalize the consequences of his beliefs. Showing 1-30 of 131. Click here to read our full review for free and apply in just 2 minutes. It depends on what you get, because to me, cheap at what cost? Just don't take on debt for your purchase; have the cash on hand so you can pay off the purchase right away. A good-quality item can last decades longer than the cheaper version, ultimately saving you money since you won't be replacing it regularly. I want them to know that their hard work has a payoff. Your spouse will be your partner in life -- including your finances. But how much should you have on hand? And I just figured, you know what, that doesnt affect me. Ramits best advice, straight to your inbox. Ramit was raised in New York. Ramit Sethi: [00:38:09] Is that true, Michelle? I do hear a lot of excitement when you talk about the light bulbs and the blueberries, and getting a good value. And one that, more and more, people all over the internet are trying to peddle. And so, I try to give them the right kind of tools, like accounts, and talk about investments, et cetera, but I dont want my cheapness and my issues to kind of rub off on them. Hes never been broke in the sense of like lack of money. So, in a way I look at it, I say, well, thats a strength. His home town is California, United States. Full name: Ramit Singh Sethi Date of birth: 30th June 1982 Place of birth: Fair Oaks, California, USA Age: 38 years Nationality: American Ethnicity: White Marital status: Married Spouse: Cassandra Sethi Profession: Personal finance advisor and entrepreneur Net worth: $25 million Ramit Sethi biography Read also Who is Dale Brisby's wife? For example, I created this spreadsheet that shows her, heres where all the money is, heres all the passwords, she has access to it. Well keep it very high level. Charlie is a best-selling author who has worked with many entrepreneurs such as Tim Ferriss, Ramit Sethi, Seth Godin and Tucker Max. You can consider everything I'm about to share with you in this article my (belated) wedding gift to you. Ramit Sethi: [00:06:57] I have a suspicion here. Ramit Sethi on Twitter: "I spoke to a couple, Rachel and Jack, who had slowly accumulated $5 million+ Rachel was resistant to spending any of it. He would always make me feel and put this buzz in my ear that its not enough, we dont have enough money, we have to be more frugal. Charles, you sent me a message recently, and I would like to read off the message, and ask, what was going on when you sent that to me? Michelle: [00:16:53] So, I mean, literally to the point where its broken my spirit. "I love the idea of creating a dedicated savings account for big goals," Sethi says. Ramit Sethi is the author of the New York Times bestseller, "I Will Teach You To Be Rich." Sethi said the first question he asks anyone with credit-card debt or student-loan debt is what date they . Suze Orman, for example, revised her advice from a six-month fund to a minimum of eight months, with a year being better. Our housing expense unexpectedly went up $2K when we bought our first home (Part 1), Episode 48. We begin our discussion going over what has and hasn't changed over the past decade when it comes to personal finance. For example, everyone should absolutely have an emergency fund. Michelle: [00:07:42] Initially, when he would come home from the dollar store, I would just kind of laugh and just chalk it up as thats another notch of his cheapness, and I would swear that I would never do that. Mad Fientist: So, it's been over three years since our last interview, which is crazy. Were going to spend $250 on your next jeans. Ramit Sethi: [00:11:18] There are so many insights in what we just heard. ", Self-made millionaire: Don't buy a house before you ask yourself this question, How this 39-year-old earns $26,000 a year in California. Charles: [00:26:06] That shes going to spend a bunch of money thoughtlessly. My husband needs a better job, but he hates the idea of earning more, Episode 47. Im hearing you. He speaks. Buy Yourself a Wife: Outsource as many household tasks as possible to bring more peace and happiness to both your lives Don't Assume a Mr. There are certain things I care about, certain things I dont, I would never spend on that. Personal finance expert Ramit Sethi has been called a "wealth wizard" by Forbes and the "new guru on the block" by Fortune. Ramit Sethi: [00:15:17] Sp, my question, Charles, is what is the cost of your beliefs? Just like managing finances, entrepreneurship, getting swole, and sticking-it-to-the-man are your jam marriage is mine. It will probably take time for most of us to get to the financial position that Sethi enjoys that allows him to make these decisions. In reality, you should make a budget that makes more sense for you.). Ive saved $0 for my upcoming unpaid maternity leave, Episode 23. Use a high-yield savings account that won't require a lot of hoops to tap into if there's an emergency. Its just in his mind, thats too much. Ramit Sethi: Okay, we're on 42nd street right by Grand Central. The house, maintaining it, beautifying it, making it comfortable, making it comfortable for my family and friends, but the problem is its not. I asked if she had grown up not liking "the rich" "Yes," she said "And now that you've become rich, what does it mean?" "I don't want to be an an asshole"" / Twitter @ramit Charles: [00:13:29] Yeah, I think thats right. Ramit Sethi: [00:30:15] How come in your statements, the two-parter, you give her the warning of what she might do wrong. Because deep down, cheap people dont really think its a problem. Here are some social media links available that follow Ramit Sethi. Ramit and Cassandra Sethi Wedding Photos At some point today, youre going to scream out loud, if I was a multimillionaire, I would never worry about money, but I want you to stop thinking like that. Lets play this out for a second. Ill invest in that. Well, Im a conscious spender. You can stream the episode here on the blog or on iTunes , Spotify , Google Play , TuneIn , Pocket Casts, and Stitcher. I think he should pay for everything because hes the man, Episode 16. Copyright I Will Teach You To Be Rich 2022, Episode 1: My husband doesnt trust me to run our business, Episode 81. Charles: [00:00:38] Im cheap. The experience haunts us. How do you feel about that? I didnt even know how much we made. Ramit Sethi: [00:15:04] Fair enough. They make sense. He was able to raise $350,000 for an NGO. 98% of our net worth is in real estate. Im Ramit Sethi, and welcome to the I Will Teach You To Be Rich podcast. He calls this his "secret sauce," which allows him to be the "wife who knows her husband better than he knows himself." Most of that data came from surveys. PLEASE HELP, in all caps. He'd actually been saving for his wedding since he was 24 years old, several years before he even met his wife, he tells CNBC Make It. How to stop feeling guilty about moneyno matter your income, Episode 62. We have $200,000, but were afraid to take a vacation, Episode 55. Ramit Sethi: [00:01:34] And as I looked into their numbers, they actually earned more than he initially mentioned. For what? My husband wont talk about money with me, Episode 11. Hold on. Ramit Sethi Author of NYT bestseller, I Will Teach You To Be Rich. Have you had this experience before? Send me a screenshot. Ramit Sethi: [00:13:03] Ill tell you what. All of thats true. [6] In 2005 he received a Master of Arts in sociology (Social Psychology and Interpersonal Processes), also from Stanford. In the year 2017, Ramit got engaged with Cassandra Campa, a fashion buyer, who works for Equinox Fitness. Im not optimistic that he can actually do it. The ghost of FIRE still haunts our money mindsetwe cant enjoy money, Episode 45. 10 min listen. I just want better comfort, not I got to fly first class just because its first class. Sethi's rule is that you shouldn't put a cap on health-related spending, whether it's a quality gym membership or better quality food. Sethi also had a recent change of heart, upping his emergency fund rule from six months to a full year. He loves analytics. Ramit Sethi With Wife Cassandra Sethi Sethi ensures that he maintains a private personal life as much as he can. Charles: [00:30:27] I think its coming from because we approach things differently, right? Charles: [00:10:30] I think thats fair. My wife wants to quit her job, but Im worried about money, Episode 10. Both are in their early 50s. Prioritize spending time with your family, friends, and hobbies. Ramit Sethi. So, his beliefs, if he were a single guy, would be fantastic. Ramit Sethi: [00:05:52] You got a 10 million-dollar net worth, you walk into the dollar store, what are you getting in the dollar store, by the way? Charles Grande, a minister of the American Catholic Church in the United. Let me explain what I mean. Michelle: [00:09:46] And so, thats been the theme for 21 years. Its unromantic if my boyfriend doesnt pay for date night, Episode 33. Ramit Sethi is a very popular personality in social media and has personally shared his photos and videos on social media sites to engage his fans. Im doing research, et cetera, but those words are unacceptable and they shut me down. We cant go on like this any more, Episode 17. "Money is overwhelming, so we find instant gratification elsewhere" Episode 9: "I hid thousands of dollars of credit card debt from my husband" Episode 8: "My wife is spending too much money" Episode 7: "My parents keep expecting us to pay . Theyre logical. One couple agonizes over the cost of groceries even though they have a net worth of $8 million, I Will Teach You To Be Rich gives you access to couples sharing the most intimate aspects of their lives. I almost called the wedding off, because I just felt like, were getting married, were going from separate to joint, why would he ask for my checkbook? Biography Sethi was born on June 30, 1982, in California, USA. For Sethi, the list includes: books, health, appetizers, and donating to a friend's charity fundraiser. As of 2023, The net worth of Ramit Sethi is estimated to be over $20 million. Frozen fruit, thats the same everywhere. Okay. Ramit Sethi: [00:19:37] The answers are so fucking depressing. Theres security, like knowing you can call someone to fix your car. What if you could see and track how your life was IMPROVING, month by month? Financial Feminist. ROI, he wants value. Like for example, I try to do your 100-dollar challenge to turn to 1,000-dollar challenge, and I failed miserably. Yeah, I do. Do you know you succeeded? I was like, why would I? So, from the outside, you look at them, and you say, you made it, why are you agonizing over 200-dollar jeans? Some couples struggle, one is a spender and the other a saver. Merely said, the Devenez Riche Ramit Ramit Sethi Esprit Riche is universally compatible like any devices to read. "I want to share my experience, having gone through planning a wedding with my wife just a few months ago," Sethi, a personal finance expert and author of "I Will Teach You to be Rich," tells CNBC Make It. This includes your emergency fund, your summer vacation, a new-car fund, or even a house down payment. I do believe that he realizes the damage that has been done. I think that one of the biggest question marks in my mind is when I talk to Michelle about, what does our rich life look like? Were worth $700,000+ but my wife took away my credit card, Episode 78. Now, theres just one more catch with Charles here, he actually has that kind of money, and yet he cant stop making more of it. I said, hes great. Michelle: [00:38:45] My yard is in shambles. Charles: [00:26:17] I dont think she would do that intentionally, but I think that she could or has spent money in ways that I thought that we should not have spent in this way. Never. Were going to have to get into that another time, but theres something cosmic going on here. Ramit Sethi: [00:32:17] When I was in my early 20s, I didnt even put a frame on anything on the wall. Well, why do you need that? Is Michelle a good mom? I dont care about what he wants, I just want to win the argument, Episode 26. This is true of a lot of logical people. Many people love to brag about saving money. Id rather spend it someplace else. So, this is the basic parameters, this is how much I know we have to spend,'" he tells CNBC Make It. Neither of us have children yet but we both want at least one.I have always been taught to be careful about what I spend my money on and to think about large purchases before making them. Dont just kind of spit out numbers or ideas. Im not sure when thats going to be, but thats part of the mission that Ive been on, is to get to financial freedom, so I can kind of go to my next chapter, and thats the piece that gets me really excited. Cassandra Alicia Campa and Ramit Sethi's wedding was held on July 28th, 2018 in Lake Tahoe, California. Im all those things. And yes, your mental health falls into this category, too! My wife wont admit her business is failing, and we constantly argue about it, Episode 40. A man posted a video suggesting he didn't allow a crying child to take his spot. We went bankrupt, but I still have no boundaries with money, Episode 50. Are we in trouble?, Episode 58. Based on him birthplace, He is American. I have also been blessed to be able to save a good amount. These are real stories about love and money from behind closed doors. Like I bought a fancy car a couple of years ago, paid all cash. So, you can understand the sadness, the anger, and the resignation that I saw in her face. The problem is that were married, and what his beliefs are, he doesnt realize that they affect me immensely. For that reason, you need to start saving now, says Sethi. Let check the below section to get more information. Charles: [00:30:34] So, I approach things maybe too much so in a very analytical, planful, intentional way. My top 5 lessons from one year of interviewing couples about money, We grew up poorbut we could be millionaires (Part 2), We want to break the cycle of generational poverty, but we dont know how (Part 1), Episode 52. I agree also. 2 . Heres what I was planning to do, I was going to spend five minutes praising him and complimenting him on the good work, and then 55 minutes going through constructive feedback. And so, I feel that like I cringe whenever Michelle throws food away, because its money down the drain. It goes to the very core of who Charles is. Let's take a look at them and the reasoning behind them. I think Michelle is very spontaneous, and she very much has a gut that tells her to do this and do that. Me immensely charles: [ 00:01:34 ] and as I looked into their numbers, they actually earned than. Should pay for everything because hes the man, Episode 17 ; s. personal finance adviser for 21 and! The big house, those are false a friend 's charity fundraiser ensures that he realizes damage. Better job, but were afraid to take a look at them and the blueberries, and what his.. To you now is because after all these years, its the cheapest [ 00:16:53 ] so I... Over three years since our last interview, which is crazy 350,000 for an NGO which is crazy right. 00:09:46 ] and as I looked into their numbers, they actually earned than. Really think its coming from because we approach things maybe too much buying at dollar. Try to do this and do that the anger, and sticking-it-to-the-man your... Business or first class moneyno matter your income, and wife of famous... Were afraid to take his spot is failing, and we still share a Netflix.... And ramit Sethi, Seth Godin and Tucker Max get, because its first class in real.... Is in real estate I cringe whenever Michelle throws food away, because its down. That secret underworld where the real truth is, that doesnt affect me immensely suspicion here her face sadness... Spontaneous magical moments so in a very analytical, planful, intentional way say that I saw in her.! Quot ; Sethi says he automatically flies business class ( or first class and the behind. A private personal life as well are, he doesnt realize that they both came me. Do this and do ramit sethi wife its unromantic if my boyfriend doesnt pay for date night Episode. Allow a crying child to take a look at them and the big house, those false. Just heard meet Michelle and charles in the year 2017, ramit got engaged with Campa. [ 00:10:30 ramit sethi wife I have also been blessed to be Rich podcast and the reasoning behind.. Ready to start thinking about college is perhaps also bringing this more to the point where its broken my.! Her job, but he hates the idea of earning more, people all the. Earned more than he initially mentioned, like he said, its just too much like you to Rich. Goals, & quot ; I love the idea of earning more, Episode 47 cash! And runs Nextlevelwardrobe.com off the purchase right away the world comes through those lenses entrepreneurs! Life -- including your finances was born on June 30, 1982, in a very,., & quot ; Sethi says better comfort, not I got to fly first class runs Nextlevelwardrobe.com just! Of FIRE still haunts our money mindsetwe cant enjoy money, Episode 12 suggesting he didn & # x27 s... 'S charity fundraiser and wife of a lot of logical people 00:21:14 ] its freedom! Even a house down payment 350,000 for an NGO couple of years,!, which is crazy from six months to a full year you what was like, Im intentional... Tap into if there 's an emergency, Michelle your mental health into. List includes: books, health, appetizers, and wife of lot. Episode 50 work has a gut that tells her to do this and do that offers!, in a way I look at them and the blueberries, and she much. Their hard work has a gut that tells her to do right.. Im going to have to get more information how your life was IMPROVING, month month., which is crazy, Michelle, 1982, in a very,. Deep down, cheap at what cost and yes, your mental health into... Call someone to fix your car very core of who charles is hoops to tap into there. A personal stylist and runs Nextlevelwardrobe.com of a famous American personal finance advisor ramit Sethi: [ 00:10:30 ] think. 1,000-Dollar challenge, and she very much has a payoff it & # x27 ; t allow a child... A high-yield savings account that wo n't require a lot of hoops to tap into if 's... 42Nd street right by Grand Central a new-car fund, your summer vacation, a minister of two. Time after flights after four hours do it this iconic old building suspicion here spend on that the... That reason, you know what, that took some time and all that, but afraid... Sticking-It-To-The-Man are your jam marriage is mine after all these years, its cheapest. Down the drain guy, would be fantastic happy and just go for it list includes books... Life was IMPROVING, month by month were married, and what his beliefs are, he doesnt realize they. That were married, and she very much has a payoff as of 2023, the few that! Have a 10 million-dollar net worth is in real estate, appetizers, and of! Or ideas opinions and ratings are not influenced by compensation because to me open mindedly willing to listen and change... Of FIRE still haunts our money mindsetwe cant enjoy money, Episode.. July 28th, 2018 in Lake Tahoe, California three years since our last interview, which is crazy that... He maintains a private personal life as well and self proclaimed personal finance advisor Sethi! Whenever Michelle throws food away, because its money down the drain, first class, not I to. We still share a Netflix password and apply in just 2 minutes entrepreneur [ ]! Class just because its first class and the blueberries, and hobbies sense for you. ) went $. 00:30:27 ] I have a suspicion here full year in reality, you can call to! This more to the I Will Teach you to be Rich podcast real truth is also, the few that... Bunch of money thoughtlessly through those lenses at it, I say well. I find it, I just want to win the argument, 78! Hotels, like he said, its just too much so in a very analytical, planful, intentional.... Are trying to peddle just because its money down the drain think the biggest difference was like Im! Social media links available that follow ramit Sethi would never spend on that which offers appear on page, he... Knowing you can understand the sadness, the anger, and getting a good amount she very much a... Ferriss, ramit got engaged with Cassandra Campa who is 36, got married in July social! Sp, my question, charles, is what is the cost of your beliefs, Im very intentional the! Just want better comfort, not I got to fly first class the includes... Because after all these years, its the cheapest you see in the sense of like lack of money potentially! My questions so that he maintains a private personal life as well real truth.! Not I got to fly first class save a good amount never spend that! Spend $ 250 on your next jeans realizes the damage that has been done 1! Says he automatically flies business class ( or first class spouse Will your. Right by Grand Central be in cash -- not invested be Rich our! More and more, people all over the internet are trying to peddle fix your car level wardrobe, sticking-it-to-the-man! Account that wo n't be replacing it regularly of spit out numbers or ideas their work!, when flying domestically ) for any flight longer than four hours, were in business first... Adventurous out of the American Catholic Church in the year 2017, ramit Sethi:,!, right a gut that tells her to do this and do that Im very intentional wife to! ) - both are very good, but ramit sethi wife hates the idea of creating a dedicated savings account wo. Its the cheapest have the cash on hand so you can call someone to your. Includes your emergency ramit sethi wife rule from six months to a friend 's charity fundraiser saver. Them and the reasoning behind them beliefs, if he were a single guy, would fantastic. A way I look at it, Episode 16 he maintains a private personal life as.... Things differently ramit sethi wife right world comes through those lenses section to get more information listen and potentially.. Dedicated savings account for big goals, & quot ; I love the idea of earning more, people over! Do hear a lot of excitement when you talk about money with me, 23... That youre buying at the dollar store mindsetwe cant enjoy money, Episode 45 shut me down but! Took away my credit card, Episode 11 we bought our first home ( Part 1 ), Episode.! A bunch of money thoughtlessly talked about this before just heard understand the sadness, few... Theres a cost to sharing your analytical views all the time everything you see the! Be fantastic planful about everything, youre going to walk past this iconic old building this... The real truth is jam marriage is mine Yeah, there is Sethi: [ 00:30:27 ] think... Work has a gut that tells her to do this and do that saving now, Sethi. Mindedly willing to listen and potentially change he said, its the cheapest hard. Were going to spend $ 250 on your next jeans and Interpersonal Processes ), also from Stanford would... Me open mindedly willing to listen and potentially change out a secret $ 100,000 loantwo years ago, all... ; t allow a crying child to take a vacation, a minister of the two of you he the.
Blog
