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Susy starts off this hour in Hawaii hi Susy welcome to the Dave Ramsey show hi hows it going better than I deserve whats up good thats good my husband and I both have received an inheritance this year he is Australian so he was Australian inheritance so we put it in a bank in Australia its 115,000 and weve kept that there because its exchange rate is so low so we elect in Australia and Ive just received about 350,000 and so we are self-employed so you dont have any retirement so just want to know best thing to do with our money you read that we do we have a house mortgage two hundred thousand in business credit card bills we have about twenty thousand and then IRS repayment plan thirteen thousand and auto loan at about four thousand okay if you raise your right hand and promise to never borrow money again and if you get on a budget to prove it that youre never going to borrow money again and if you start handling money together to where you never repeat the mistakes theyve g