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foreign New York City Welcome to the Ramsey Show Hey Thomas Merry Christmas Merry Christmas to you too Dave thank you so much hello gentlemen how you doing great man whats up nothing quick question first of all I just want to just watch preface if I think Dave Ive been listening your show for a while and I really want to thank you for every all your advice I used to be one of those people that really just thought about well yeah I can afford that payment I you know I can afford that payment and just all of a sudden Im just under this massive amount of debt and after listening to for a couple months Ive just basically restructured the way I do everything Im just you know stop buying stuff Im getting my debts paid off Im within a couple years I plan to be completely debt free so thank you very much for your your advice um my question my question is Ive heard you talk a little bit about Whole Life policies now my wife and I right now have Whole Life policies theyre good until we
