How Many Bank Accounts Do I Really Need?

💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolu...

[@MariaInIowa]

My parents were Depression kids so they had their money in banks *all over town.* it was really fun trying to straighten all that out when one had passed and the other had dementia!

[@mbank3832]

I am curious. What happens to the money once they account holder has passed? Who will get the money at the end ?

[@MariaInIowa]

@@mbank3832 it goes with the estate into probate, assuming the executor knows it exists.

[@davidcox3076]

My friend was the executor of his grandfather's estate. The old man was just like that. Grew up poor, Depression Era, money stashed everywhere. My friend still lived in town and was able to help keep track of it all.

[@webfreakz]

Did you have to find those banks or do they send you a notification that they have accounts?

[@MariaInIowa]

@@webfreakz you have to do the detective work. Why do you ask? Not going after old folks' money, I hope?

[@PastorChrisRN]

At one bank we have a checking account with no debit card that all our fixed monthly expenses come out of via auto pay, another checking account with a debit card we pay variable expenses like food and gas, and an emergency fund savings account. We have a second savings account at a local credit union that is a large expense fund. The third savings is a 4.5% interest bearing savings account that all our unexpected income goes to (bonus, etc).What we wished someone taught us when we were younger is to resist increasing your expenses as your income increases. Save as much as you can.

[@homewiththesomerfields]

Our bank allows us to have multiple online savings accounts so we have the one account that all money comes into, then we transfer into specific accounts such as; car/annual bills, monthly bills, groceries, savings, etc. works well!

[@tyjuanhenderson8786]

What bank is that

[@homewiththesomerfields]

@@tyjuanhenderson8786 is Comm bank in Australia :)

[@Joemikolai]

If you're able to be a member I know USAA does that too.

[@BRunk84]

This is exactly what I do. It’s called a bucket strategy and is one of the best ways to keep yourself accountable for what that money is designated for.

[@jadiecakes3241]

@@tyjuanhenderson8786 i believe Ally in america allows this. I see it mentioned a lot by americans.

[@cl5193]

Shouldn't it be as many as it takes to not exceed the FDIC insured amount?

[@HelloSweetie55]

My husband and I have two checking accounts with one bank. One is for our paychecks to deposit and where the bills come out of. The other is our spending account. That way we never accidentally spend money that was supposed to be for a bill.

[@cecily_6537]

This is what I have also always done.

[@alyssa7782]

This is what we do as well! I find it to be the easiest way to track spending and stay on a budget.

[@Josh-py9rq]

Get 2 credit unions and 2 banks that way not all your eggs are in one basket.

[@robertt9825]

i like having my emergency fund in a separate bank just to keep it kind of "out of sight out of mind" + makes it kind of a process to access. Still easy to get to in an emergency but enough of a process that I have to think "is this really an emergency where I should be touching this money"

[@DestructoXX]

Same

[@tishanna4445]

Good idea !

[@ruthirwin8222]

Be careful if its not active it can be kinda closed it can be hard to get it running again

[@adamhong8263]

i like dave ramsey but i disagree with this . coming from a security point of view (cyber security). depending on your net worth, you shouldnt have all your eggs in one basket . you should have different accounts with different banks. in case one checking account gets taken by online fraud then you want to have a back up for everyday purchases. also if one bank or brokerage goes under you want to have access to another . again too many accounts is a thing but all your money in one account is not safe.

[@kathleenr8839]

I agree. Also I’ve been listening to Dave over five years now but the more time goes by, the more I disagree with tbh. It’s weird how a lot of his advice made so much more sense even just a few years ago compared to today… But they are so hard-headed about their methods and reputation that some of it has turned into just plain bad advice. The DR life really only seems great for those who are either already drowning with consumer debt or do not know how to control themselves or their spending, and know nothing about how money works. IMHO.

[@stephon972]

@@kathleenr8839 WHen you consider the fact that most people fit that description you realize quickly why it is the way it is

[@travismcdonald148]

@@kathleenr8839 the DR plan is all about behavior, it's a lifestyle. Most of the advice the ramsey personalities give varies greatly on steps 4-7. A lot of it becomes personal choice after reaching debt free status and you have mastered self-control.

[@kathleenr8839]

@@travismcdonald148 for sure, well put.

[@robertt9825]

@@kathleenr8839 check out money guy podcast for some more nuanced material. they're very good

[@davidcox3076]

We have four. Checking, main savings and one savings for each of the kids. Really there's no limit. Just look over your budget and do some planning. And you can always close and transfer money if you ever need more or fewer accounts.

[@FatherAndTeacherTV]

This makes sense!

[@MichaelAnderson-wk1no]

No emergency savings?

[@davidcox3076]

@@MichaelAnderson-wk1no The main savings kind of functions that way. It's the most available and liquid if needed immediately. Anything that goes above the emergency level I can put into CDs to get a few bucks more interest. And we have investment accounts (mostly for retirement) but don't want to touch those unless absolutely necessary. There are so many options now between traditional banking and on-line that you can really customize money management.

[@sdbw1990]

Common checking Common savings (create buckets in the account for each goal) Separate checking/savings for guilt free money to spend All money goes into common, then send money into other accounts after common goals are handled

[@2005papillon]

Understand that it may be wise for people to have some separate accounts. For instance, my husband got an inheritance from his parents. That was put in a separate account. I refuse to give any input on how he uses those funds Assets held before you marry are often considered separate property. My husband and I have community funds together. We have been married 42 years, and have been completely dept free for about 25 years.

[@2005papillon]

@Prey R That is why we retain separate accounts. We fully understand the ramifications of commingling funds. His inheritance was substantial enough that, although the account is in both names, I do not have an ATM card for that account, nor do I even give him an opinion of what to use it for.

[@cowboyroper9442]

Y’all are rock stars!

[@youngtimer964]

This sounds strange for having been married for 42 years.

[@2005papillon]

@@youngtimer964 Not really. We were not young kids when we married. We both had lived independently of our parents for years. We both worked full time jobs. And we are both are strong willed people. It is a good way to keep the peace. Different couples have a right to find the rules that work for them. We have found what works best for us.

[@citygurrrl6387]

@@youngtimer964 maybe thats part of WHY they stayed married 42 years...

[@myleshamilton6342]

Don’t do this if you live in the UK if you have over £85k cash. You are only covered up to £85k in each account. Be careful though some banks are owned by other banks so make sure your bank accounts are rivals.

[@youngtimer964]

In the US, it’s 250k

[@travismcdonald148]

@@youngtimer964 is it per account or per person holding accounts at the bank?

[@joemunch58]

@@travismcdonald148 Per person at that bank. This is why I have accounts at different banks.

[@alisharogers2919]

Australia may do banking entirely different to America, but here some home loans offer multiple “offset” accounts with no fees with your home loan. We have a few checking accounts (Bills, emergency fund, daily expenses, kids accounts, splurge etc) however every dollar in every account is linked to our Home Loan so we get a huge interest saving each month for the cash we keep. Rather than earning 0.25% we instead can save 2-3% on the loan charge. You’re mathematically about 10x better off and (in Australia at least), you pay tax on interest earned in a savings but don’t pay any tax from saving money on interest charges. I’d only recommend this if it comes with no annual or monthly fees, but if it’s available to you it’s worth checking out. ☺️

[@NoRegertsHere]

100% what I do. I have 10 offset accounts that I used as sinking funds (car, bills, holiday, etc) and where I keep my emergency fund too. Transaction account is an offset account too

[@taylorlangley900]

I think it’s a good idea to have a bank out with two different banks. Especially if you travel internationally. I was once traveling and only had my one debit card and the atm sucked it up into the machine. I couldn’t get it back and had no money so I had to have a family member wire me money until I traveled back home. It was a huge hassle and also dumb to have so much cash on me in Central America. After that I got another bank account and have a credit card as back up just in case.

[@kara2162]

We have separate checking accounts and one shared savings. We like it that way, because our individuel checking accounts are essentially drop boxes for our paychecks. I think it's nice to keep individuel checkings, because you can still pull of a surprise for the other spouse without them knowing right away 😉

[@djpuplex]

I've opened up 25 bank accounts this year and have collected $3200 in sign up bonuses non those bank accounts.

[@Ymerej00Druid]

Are you doing DD through employer or pushing ACHs from other banks? If the former, bless your company lol

[@mlee1308]

Sweet. Good massage money

[@COINsimp2024]

Are you ok?

[@Ryan_DeWitt]

Unlikely. Most banks know about people trying to do this kind of thing and have many requirements to get the bank account sign up bonus. You can't simply open an account and get the bonus.

[@danix3638]

Do you owe the mob? This seems like crackhead behavior

[@bkucenski]

One checking account for all household income. One checking account for each person in the household for their spending money. One savings account for short term needs and emergency fund. If you're saving for a down payment to be used in the next 12 months, you'd put it in the savings account. One individual investment account for long term savings. One investment account for each retirement account and health savings account provided by an employer. When the kids are old enough, they need savings and an individual investment account as well to save for college or a house or a business when they're old enough.

[@roolyfe]

Good 😊 advice

[@lennoxmutterick6434]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@DanielMose-s7e]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@lennoxmutterick6434]

@@DanielMose-s7e However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@DanielMose-s7e]

@@lennoxmutterick6434 Oh please I’d love that. Thanks!

[@lennoxmutterick6434]

@@DanielMose-s7e Clementina Abate Russo is her name

[@lennoxmutterick6434]

Lookup with her name on the webpage.

[@J0hn.R]

My wife has a background in accounting. We manage everything with a bookkeeping book. It would stress me out to have bank accounts all over the place.

[@elizabethschmidt9924]

I agree. I have my main bank account and a few prepaid accounts but being honest I think more then 2 is too much.

[@stevenporter863]

With online accounts today it really doesn't matter much if you have multiple accounts (no running around to multiple banks). Assuming none of them charges a fee.

[@johnSmith-uz8nl]

Someone mentioned having two banks... just incase of identify theft at one of the locations.

[@stevenporter863]

@@johnSmith-uz8nl Exactly. Not two accounts at one institution but two completely different banks (Just example: Wells Fargo and US Bank)

[@portman8909]

Two separate banks for me. I got my main account and I got my online account that I use for storing card information. If there's ever a data leak there's never that much funds on it to do any real damage.

[@TheDjcarter1966]

Dude they are both making things super complicated. One checking account that all your money goes into. Then one savings account and you are done. I just keep a spreadsheet that I keep track of my sinking funds in. So if I have $20k in savings there is a column in my spreadsheet that say $2k car repair, $3k house repair, $10k emergency fund, etc.

[@janelleg597]

@Nom de Plume as stated in the second sentence, genius!

[@citygurrrl6387]

@Nom de Plume if they can pull money out of one of your account to repay a debt by court order.... they can pull from the other one too

[@dragoncat5836]

Why bother with a spreadsheet when you can have the accounts separate things for you? It's zero extra work.

[@citygurrrl6387]

@@dragoncat5836 for me i have sept accounts & a spreadsheet. this way when i look at my overall "savings" the accounts used for specific purchases isnt included. so if i bookmark $5000 or $10000 for a purchase or reno project, it doesnt hurt as much when i spend it, cause its not lumped in with my overall savings

[@B-gk2my]

@Nom de Plume they can take money from both your account with a court order dude! So it really comes to only having one account in which you can open several bank account

[@calebdoner]

We have different bank accounts (at the same institution) for different things. I have a house payment account, a utilities account, a spending account, a grocery account, etc... but all at the same institution with the same web view.

[@mreightytwenty8709]

Never even put all your eggs in one basket....BANK...don't trust banks

[@johnSmith-uz8nl]

I agree with getting two accounts but really... I don't think you have to worry about keeping all your eggs in the same account, especially if you are using a large bank.

[@BBC600]

I think there should be at least 3 accounts. Mine, Hers, and Joint. The two personal chequing accounts would have an agreed upon % each month.

[@markspark7347]

Only reason I bank with multiple banks is they charge interest over savings above a certain amount. By splitting it, I don’t have to pay interest for savings.. I know in the us you don’t pay interest yet but in Europe it’s real!!

[@tmusa2002]

I have a savings account just for real estate payments, we have two. That way I can set those dollars aside throughout the month and it is automatically deducted from that account every month. It keeps me from needing to do much math.

[@XeRo333]

Heard from Steve Harvey when asked about the same thing, anx he said a financial person told him to have 4 accounts. One joint account and that's where you pay all the bills, after the bills are paid you put money in a joint savings account, then split down the middle for two personal accounts so you can live your own lives and not have to always check with the other. That way the bills are paid, money's in savings & you have money to enjoy and play with

[@sprint7412]

One of my mother's coworkers got screwed by only having her money in one bank. The bank was bought by a larger bank and somehow during the merger they lost all her money. Took months to fix it.

[@timothyleary6366]

Well? U need a Christmas account; savings account; health savings account, to pay deductible or remaining balance left; grocery account; We all need to budget. In a business? It needs it's own account. Separated from your personal. And possibly an expense only account.

[@lilbill4779]

Don't put all your eggs in one basket.

[@christopherrosas2738]

Situation will dictate, but there's no need to have a whole bunch of accounts, but many people may need separate accounts to better manage their money because keeping all their eggs in one basket can cause them to overspend

[@joycew.6531]

😀😀😀😀😀😀😀😀

[@briandressel1344]

Where do you folks bank that it allows you to create sub accounts or sub groups in your checking? Thanks

[@sheldon7575]

I personally have my checking in one bank and savings in another, that way I can’t electronically switch money over.

[@hsahil_10]

Thank you the Ramsey Show for your good advice.

[@ChaseDizzie]

Never put all of your eggs in one basket.

[@admiralrustyshackleford119]

Ideally just 2. A checking account someplace local for monthly expenses, and savings overseas for everything else that is no one's business.

[@lothropstoddardiii6231]

i have a dispute with a medical office and they are saying i agreed to something i never agreed to and now they are saying it cannot be "undone" and it amounts to about 240$ a month for a year. Now , i agreed to doing TRT and they tried to talk me into taking another drug. i had never gotten a dose of the 2nd drug, and now they are saying it cannot be undone and i have to pay for it for a year anyways. Now i was considering telling my bank i misplaced my card, but if they have my acc# it wont matter if card # changes...so cant i in theory, open another account somewhere else with say a few bucks and then transfer the rest from old bank into the new banks account which will have a new account number that the medical office doesnt have? I am trying to avoid spending hours on phone disputing this charge and weeks to finalize it... I know the medical office wont sue me, they are straight up scammers.

[@xxsniperkittykatxx]

I like having two banks just because if something happen and I need to do something and the bank web is down I can just move to the other acct. It doesn't happen often but every once in a while it does. Its worth it to know if I do something dumb and lock myself out after hours I'm not waiting on someone to reset to send someone else a pmt.

[@paulkatz2483]

One checking account for day-to-day spending. One saving account with a small, but better return, for emergency cash and renovation savings.

[@MariuszChr]

Sofi has nice virtual savings accounts (vault) which looks like separate account, but it is not. I have it like just savings, car insurance vault, tires vaults etc.

[@Zaboomerfoo]

i have a checking at my local bank but the interest is horrible. Everything else is in high yields

[@mathmanell]

So why have many different accounts vs keeping track of what goes for what in Every dollar?

[@deepthinkerpoet]

My online bank has buckets for the savings account so I can sort out my stuff. 👍

[@pinayinuk]

I can relate I have 10 accounts and I closed six coz it’s hard to know how much is my money

[@lukesamuel1611]

Things are getting worse, it’s so bad that having a job doesn’t mean financial security on

[@grod805]

Have you forgotten 2008? It's way better than. 2008

[@johnSmith-uz8nl]

having a job... in my life, has never meant financial security.

[@ronnieadrian9843]

Ally offers buckets within one savings account

[@Self_sufficient_]

Man i remebet when i married my wife. My inlaws were PISSED that my wife and i joined bank accounts and phone plans.

[@angelwings1]

I have exactly the same with our account, John. We have lots of sun accounts in our main account.

[@andriusbagdonavicius4686]

Why keep all eggs in one basket? I think it would be smarter to have multiple bank accounts at different banks and diversify the risk of bank failure. Banks do fail and lose customer funds, it happened in the past and will happen in the future.

[@mitchelljamison4779]

They never answered the question that the caller had asked. They were looking for a number, not what the hosts did or did not do for themselves. Tip #1: If people call for advice, answer the question, please. Your local bank advisor can be a better to help you than this.

[@NWforager]

not to mention FDIC coverage .

[@drmitofit2673]

A joint account comes in handy for gift/money transfers between spouses and for depositing a check written to both spouses.

[@coldflu]

Everyone’s device will be a bank in the future.

[@jenniferevans5973]

Can u trust an online high yielding accoubt

[@ccb6013]

1% APY on a savings account is abysmal these days. A money guy should not think that's "crushing the game." Yet more proof of Ramsey and his team being out of touch. I've been making well over 4% since long before they posted this video.

[@Force_Wielder]

What online savings account you recommend?

[@tomas.montilla]

This was a really interesting video overall. Not sure this had been addressed before! With all that said, I’m curious if different Ramsey personalities would have differing approaches, as I can see multiple ways to skin this cat.

[@josephedwards8992]

My wife and i technically got 3 her credit union my online bank and my brink and motor bank… it’s working out well

[@patresaplus3274]

Wish I could dump money, it's more of a trickle 😅

[@josiebreasbois2246]

OK is it OK to have multiple prepaid debit cards plus a bank debit card and for people with disabilities is it OK to invest😊

[@DuncanCalder]

How do you get paid at ramsey solutions

[@dylanwilliams2985]

Probably a monthly salary. Then royalties on their books.

[@tyreeceuk]

So when the bank fails as banks sometimes do….all of your wealth is gone. These guys don’t have a clue if this is the advice they’re giving. Think ‘Simple’ 😢. Marriage is by no way simple especially if things go wrong….and that’s usually for the man. My advice would be to plan for all outcomes, even the ones you can’t bare to think about

[@pvecch712]

Your money is safe for up to $250,000 per bank. Look up FDIC insurance, basic financial info.

[@PlannerGirlLifestyle]

I had bank accounts everywhere 🤣🤣

[@walterandreaspucko6317]

All eggs in one basket = Desaster waiting to happen.

[@amybouchard]

Excellent tips!!

[@Patrick-uu5xg]

What is a sub account?

[@zachdarr7605]

One checking, one savings, simple

[@micro_my_blood]

One checking, one savings, one high yield savings. That's about it.

[@rayjgold]

I think it is best to keep separate accounts and just split bills if both are working. No need to monitor each others accounts if you trust each other and are open and transparent. You can still set goals to save together, while in separate accounts.....it can even get fun.....see who can save 50k the fastest....etc.. And if things go south...there is no trouble in separating funds in accounts because they were never combined......no risk of anyone stealing anyone else money etc.....

[@mlovespring7892]

Not trying to be smarty pants, but just two accounts will do. One is saving and one is checking. DONE!

[@JWW10666]

It really depends on your circumstances, for example, the low-risk segment of my investment portfolio consists of CD accounts. To reduce risk I never keep more than the FDIC insured amount in each account so I have 48 accounts with 10 banks with the interest being paid out to my income account at my primary bank where all the other investment income is collected.

[@darkstar7742]

High yield saving account. What Planet is he from? 👽

[@MariaInIowa]

High yield is 0.025%.

[@Run4Ever77]

@@MariaInIowa 0.55%

[@MariaInIowa]

@@Run4Ever77 it was a joke.

[@Run4Ever77]

@@MariaInIowa Thanks for clarifying.

[@euenfheiejrj]

One percent is better than zero.

[@jeffreyrogers5689]

BAD ADVICE!!! look at all the branch closings and turmoil going on in the banking world right now. They're right here on KZbin... Just like diversification with investing (not keeping all of your eggs in one basket). Best advised to have at lease two separate banks.

[@BrentonMarcum]

Hey, Jeff. The money in your bank is federally insured up to $250k. It’s not like investing with diversification lol.

[@FatherAndTeacherTV]

@@BrentonMarcum Gotcha!

[@jerrysu3466]

how do I close all my bank accounts

[@RandomVids519]

Ok clark ken relax😂💪

[@yxmichaelxyyxmichaelxy3074]

I have two, one I inherited. *sigh*

[@victorreyes2196]

How where do I create an emergency account

[@richardaleksandra6298]

Thank to watchng,leave a MSG got something huge to share ①⑤④0③⑨③④④⑤0

[@L.O.R.DRecords]

This is NOT the Best advice 💯 first thing first multiple accounts can be a great game plan in saving & having Everything Joint is insane I believe in one joint account & the rest individual so everyone is safe at the end of the day 💯✔️

[@anthonyharris6881]

Never ever share bank accounts and tell the spouse how much money you have. Everyone should have their own bank accounts even if married. So many golddiggers nowadays that just want your money and will divorce you once it runs out

[@janelleg597]

Take your redpill gospel somewhere else

[@happymrsh1600]

My condolences. May your faith be restored.

[@ImOutaTime]

Dude sounds like kermit the frog

[@mhsable]

☕️🐸

[@bradyhack2428]

You need a bank account your wife doesn’t know about . 😂

[@portman8909]

For seeing strippers and hookers right?

[@fredsanford1437]

Zero “Bail in laws”

[@evalina98000]

Ho! "A lagging fund because the way we get paid here at Ramsey's solution so I will dump💲into that one and hold it so I can continue to pay my house off" Whass up wit dat?😕

[@dericanslum1696]

...salaried work...monthly or bi-monthly pay...

[@BankBuddyIndia]

nice

[@donnamoore4494]

For the financial planner pick the one that you understand and has the best advice

[@rebeccaramirez-]

vacation...

[@righand]

You need one bank. One that you trust.

[@d1ddyp0p]

Get more money and assets than those in this comment section and understand everyone is wrong.

[@tangibletyler5401]

All you need: 1.Checking account to pay bills. 2.Savings account for emergency fund. 3.Brokerage account for investments/retirement. 4.Crypto exchange account or hard wallet for speculative assets.

[@d1ddyp0p]

Wrong.

[@johnSmith-uz8nl]

Exactly. Someone mentioned having two bank accounts just in case one of them gets compromised by identity theft.. I thought that was a good idea.

[@NONCHALANT2525]

Where do you put the money you save for a car or a house?

[@genxx2724]

Never did they mention FDIC insurance limits. These guys are not qualified to teach personal finance.

[@sd0753]

Why would anyone keep more than $250k in an account? That amount of money should be invested

[@MichaelAnderson-wk1no]

Why would they? That's not relevant to the question the caller asked. The discussion was about number of bank accounts, not about how much to put in them.

[@genxx2724]

@@MichaelAnderson-wk1no That is correct, but the program is listened to by a wider audience and if they had the proper knowledge, this caveat should have been taught.

[@genxx2724]

@@sd0753 That is separate topic.

[@christie6488]

@@jackoats50 Thank you. I’ve always wondered how they did that.

[@fhuber7507]

You NEED one bank account. There can be justification for over 100 accounts...

[@johnSmith-uz8nl]

One??? So no savings account? no breakage account?

[@tcgtpl]

The caller should have at least three accounts. One is the shared account with the wife. One is her account. And one for the mistress or to save up for the impending divorce lawyer. 😉

[@l.s8904]

Fake Caller!

[@merlinwizard1000]

2nd

[@johnmirbach2338]

🤓👍✌👌🖖😎