All right folks we are back like -- you -- -- final segment he hung in there with us. We know it's not enough -- come back next week. And of course at that podcast up and listen all night long the sleepless nights and elect you voted on -- yourself its knowledge it's and -- and it worked out. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Had a he said getting deep thoughts and here's the thought you were absolutely brilliant and then give the answer give to friends -- names -- be neither seems him about which one would you think would like dolphins. It's a -- right you're wrong I would it's him. Aren't you know visited the -- appreciate the folks at. It isn't clear eyes are desperate editorials are Arabs on the so. Is it means Sanford of the should he stay or should he go segment remember callers emailers. Questions like you on it or call us at 87731536. We may give you war. Answer on here. And in Chicago we don't have a 229000. Dollar mortgage balance at four point 75 on a fifteen year loan my house is worth 300000. Plus plus what I don't know much I won't move into three or should I refinance or sit tight thanks. -- -- you debt refinanced. You should be able to he's zero cost fifteen year replacement and we're tenure for that matter we don't know how far and a fifteen -- are. But she she we'll stay on the same track in the position wise but lowering your significantly -- -- any closing costs -- fees the leadership to absorb those fees and costs out of there. You know fields modest -- that for simple fractures for people who you can save money -- and profit. Newton in order needed -- refinance you break in the law -- look into it John Perry in the UK OK okay but -- Practice. -- -- -- -- we like to cover things that extends beyond just the practical financial matters of the house who elected ideally make you a little better a little bit off lifted give you some did you. To take is those steps to improve yourself and -- while these may be some of the steps that you used to improve yourself or contemplate self improvement or. Move on from things some things let go of them these will be useful for the younger set we belief. So excerpts from Wall Street Journal article. I'm an essay that was written by actually a book that was written by Charles Murray and it is in relation to Bill Murray. It could be actually it very well -- -- were very well may be bill's big. We've got Charles -- is five rules for a happy life number one consider marrying young. Craig winning that. Don't married too young preaching get your bearings it's extra -- make sure he's got all your your priorities in order make sure things are squared to a in your own life -- and that. Yeah I don't know if I'm gonna content that I think you know. Possibly considering marrying young could be valuable because if you don't get -- right the first time used against top pick it right the second time. They're Craig you paying attention over there in total attention all right no no comment on their -- and number -- is learn how to recognize your soul mates and I. That's -- that's some good advice. And what's your what's mr. Murray has to say about that ready for some cliches about marriage here they come because -- true marry someone with similar tastes and preferences. Which tastes and preferences the ones that will affect life. Your life almost every day so me personally what I do is I tell people write down the top ten things that are most important to you if the five that Europe. May the your choosing are in the bottom five probably not a good fit but they've got five in your top five or six or seven. Possibly good fit and I have to have all ten but make sure they got five towards the top of your list. Number three. Eventually stop fretting about fame and fortune. Craig you know stopped near Cairo trust me who now are from famous never will be and I'm probably not to have much fortunes okay I give up I think it probably is -- -- -- they don't have youthful -- the younger set here at some point right now you're thinking and you're near your twenties are graduating from college -- one. I'm -- -- famous on it what it is unloading on the conquer this world at some point your life. You -- knowledge you know one on a great parent I love my job I enjoy my life. And therefore I am happy and satisfied with my station like number four take religion seriously. I know I live watch Groundhog Day repeatedly get seriously watch for an update repeatedly. Folks we appreciate you hanging out with -- is another installment of life as you -- -- -- to us and he lets.