Live from the headquarters of Ramsey Solutions, broadcasting from the car rental studio. This is the Dave Ramsey Show where America hangs out to have a conversation about your life and your money. My name is Anthony O'Neal, host of the popular YouTube show The Table with AOH and cohosting with me is the number one career expert in America, the one and only Ken Coleman, host of the Ken Coleman Show. You can catch him a Monday through Friday every single day on YouTube, every single day on Sirius XM, Monday through Friday and podcast.

Wherever you are internationally. That's right. And nearly 60 stations now are closing in on 60 stations on your talk radio dial. Yeah, man, we're trying to be everywhere people are, you know, can't you know, a lot of people need some help. People listen, people are sick and tired of showing up on Monday morning, being miserable before they even get out of the car. So we're taking your your purposeful career calls today. You want to work on purpose and live on purpose.

You're not doing work you love. You don't even know what you want to do. Call us if you know what you want to do, but not sure how to get there. Call us if you know what you want to do. You know how to get there. But you just scared. Call us. That's it. We're here for you. We're taking your money questions, your career, your job question. You know. You know what this is.

Oh, I'm to the Dave Ramsey crowd. You know what my role is. And Ramsey Solutions. Well, Sharrow, big shovel guy. Oh, you want more money to get out of debt? Yeah. The Ken Coleman show is getting emails and calls and social media posts every day. Ken, I did what you told me to do. I got a better job on the way to the dream job. I'm making more money. So you want to get out of debt.

I'm the big shovel guy. I like that you feel me. I like that analogy that that's true to the Dave Ramsey audience. Yeah, you're the best I can help you make good money doing what you're good at and what you love. So there you go. You're doing it.

So, hey, give us a call. Triple eight eight two five five two two five. If you want to learn how to get your shovel bigger. Give us a call. Khancoban can walk you through that process. If your shovel is at a good size and want to learn how to use that shovel. Give us a call. I can help you out with that at 8:00 8255 225. Rhondda is in Dayton, Ohio. Good afternoon, Rhonda.

How can Ken and I help? Hi, thank you for taking my call. No problem at all, how can we help? A year and a half ago, my husband was diagnosed with a brain tumor. He is in remission. But my question is we stopped paying on the student loan, which is the only debt that we have, and started paying our house off. And I'm wanting to know if that is the right thing to do.

Well, before I answer that question, I'm curious to know, why did you make that decision? Well, just because just the diagnosis and having a paid off home, if something happens and the student loan would be forgiven if something happened to him. OK, what's your student loan balance right now? Fifty 50000. How much do you own the home? A hundred, how much is it worth? 250 car. Yeah. How much are you putting on the home every month, extra outside of your expenses, how much are you putting into the home loan?

Between seven and eight. Seven and eight hundred or a thousand. Thousands. I want to know, what's your mortgage payment? Well, it just was my word, but it's 850, 850000, what's your combined income? 160 to 170. Yeah, fantastic. Okay, you can take this from here, seven to 8000 is what they're putting on.

I'm curious, Rhonda, how long have you all been doing this? Don't we just paid off every cent I over the years, it's about four months.

Yeah, OK, so what I want you to do and let me say this I understand why. I understand your why. I really do. I don't want you to feel as if, you know, we're being hard on you. I would love for you to pay off your home mortgage. But if you would have spent the last five months doing the same thing towards that 50000 dollars of student loans, you'll be debt free excluding a mortgage. I'm curious.

You all make good money. How much money do you have in your savings account right now?

We have a six month emergency fund. OK, and how much is that? It's 20 to 22000. You need to listen, listen, you're seven and a half months away. If you're paying if you're paying 8000 a month, you said seven to eight. If you're paying eight thousand a month, then then you're six and a half months away from paying off the student loan and you're still in really good shape on the home. Yeah. And because of the fact that the homes worth 250 and you've only got 100 left on it, if something were to happen with your husband and things seem to be great, you're just in great shape.

So get back to the loan, pay the loan off and then tackle the house.

You guys are in phenomenal shape. So it's not like you've done anything. Again, we're not judging what you've done, but you don't need to do this. Get rid of that loan, get it out of your life.

You're going to be done with it so quickly and you're already in good shape on the house. Yeah. Yeah.

And right. And one more quick question for you. I agree with Ken, but one more quick question to kind of put the icing on that or it may devia some things. Are there any potential medical things that may come up in the next few months, probably within the next 12 months that you may have to put some cash towards with your husband?

He going to be have an MRI every three months and we do have to pay for the insurance company. But I think the last one that he had, we paid three hundred, OK. So so here's the thing, Rhonda. You're not like my answer, OK, an OK. But I'll tell you right now, if you do this, by this time next year, you will be where you want to be. OK, I'm going to take the 22000 dollars.

And here's the thing. I'm going to pay palmitate that I'm going to take 20000 of that I will leave 2000 dollars in there so that we can have some little bit of cushion for the medical stuff kind of coming up. Did you say you may have OK, we teach a thousand dollars emergency fund, but I'm cool with 2010 just for the small things that may come up along the way. But I'm taking out 20000 and I'm going to tack that 50000.

That brings it down to 30000. And then the next few months I'm putting an extra Sevigne towards my student loans and just paying the mortgage, bare minimum, whatever that mortgage payment is. And then by this, by February of next year, you can get back to building your six months back up. OK, that should take you anywhere from two months, two to three months. By summer of next year, you're back to attacking your your your mortgage.

And within a year you can have that paid off. But that's what I would do right now, have that cushion. So by this time next year, you're 100 percent debt free student loans and mortgage and you have six months sitting in the account. That's a beautiful, beautiful feeling. But thank you so much for calling in. And we are praying for you, your husband. I believe that God can shift some things and so continue being a good steward, pay off your debt and we're praying for you and your family.

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America, thank you for listening. This is Dave Ramsey Show, where Ken Coleman and myself, Anthony Neal, are sitting here taking your phone calls around life, around money, around careers. You know, if you really want to, like Ken Coleman said earlier, you know, get a bigger shovel. Give us a call. Allow us to walk through the process with you on how to do that.

And so this way we can help you become successful. Triple eight, 8255 to 25. We have one line that just opened up. Kelly is standing by and she may or may not get you in as Kelly's phone.

We just answer whatever she senses. And so she sent us Hannah from Salt Lake City. Good afternoon, Hannah. How can Ken and I help?

Hi, thank you so much for taking my call. So my husband and I just finished our baby stuff, too, and so we're on baby three. But our main question is, my husband has the opportunity to stay out, work full time and get his college paid for. And so he would just continue going to school part time and it would take him a little bit more time to finish, obviously. Or he can go part time at work and we can cash flow, pay schooling and he can get his bachelor's done faster.

What would you suggest we do? Hmm, interesting.

So you guys have already thought this out and played this out financially, correct?

Yeah. Yeah. So we could afford for him to go part time and still cash for his school. When he would get his bachelor's faster. Let's fast. No, I get it.

OK, so let's for in order for me to give you an opinion and I'm not going to give you my opinion until I hear what you guys are leaning towards because I don't ever want to influence a caller in a situation. But my question is, fast forward to the end of the bachelors, whether he does it part time or full time. What's his next move? What's he going for? So he would get a bachelors in accounting and he would want to move on to graduate school to get a masters degree and then head to what?

What's the journey, what's the destination if he's going to grad school? Why why is he going to grad school? Oh, gotcha. He would want to go and get his masters so that he could eventually just get a Masters in accounting because it's pretty much what you need to be a CPA. OK. All right, so the goal is to be a CPA. Yeah, and work for himself or work for somebody else. I work for somebody else, maybe eventually work for himself.

OK? It's not something we're super focused on right now.

I get it. But you need to be thinking about what's the best path to the destination. And that's where I'm before I give you an answer on what you should do. I want to know where we're trying to go, because there's all there's always a choice on the path. Sometimes the paths are equal, sometimes they are not. How are you going to pay for the master's degree?

We would save up money and cash flow. OK, so he would go back to work where he is, go back to full time, increase his pay and then save up and cash flow the masters.

Exactly. All right, what's the last question and I'll tell you and I want to know what you guys are leaning towards and I'll tell you what I think. Oh, you weigh in on this. How much faster will he get done with the undergrad if he goes part time to work? Because part time he could be done in two years if he sees full time at work and just as part time, it would take him closer to four years. OK.

All right.

What are you guys leaning towards for you? Called in to get our advice. What were you leaning towards? We were leaning towards him going passing out work and trying to knock out a school. Yeah, that's what I think that means.

The only reason I think that is because you guys have already done the work of sitting down and and putting a budget together that includes a financial sacrifice because he's going to make less money, significantly less.

But you guys have you guys have figured out a plan for that. And I say congratulations, that that is phenomenal planning. And because you guys can absorb it and you can make the sacrifice. Yeah, I like it because it gets you closer to the dream and significantly closer. Two years is a big difference. And then he goes back to work and then you, Cash-Flow, the master's degree. The only thing I would challenge you and your husband to talk about is how does he become a CPA without the master's degree.

I just want to challenge you guys to do your research on that because you essentially admitted it's not you don't have to have it. It's highly encouraged and I think probably helpful. And I don't disagree. But I just think when you talk about that kind of money in that kind of time, why wouldn't you exhaust all research to see if I wanted to become a CPA and I wanted to do it without a masters degree, how would one get there?

That's my homework assignment for you.

I like that. And, you know, one of the key things that I tell anyone before you go off to school, sit down, do the research and plan. And that's exactly what she did. You know, that's exactly what her husband did. And I appreciate you for challenging them to sit back and say, you know, hey, do I need this master's degree?

You know, because what's the what's the return on investment here? You know, can I will they take me maybe instead of if I have my master's degree, maybe I can get there within two years.

But if I don't have my master's degree, will they take me three and a half years? And if I can get there, then three and a half to four years, I'm fine going without a master's degree now because it'll take me ten years compared to two years. I'm going to do the math and see how I can get there. But the key thing, America is when it goes when it comes to going to college, you have to step back and do the research and plan, write down all of your options, look at all of your options, talk about it, get some accountability partners call entity Kinko Michaux call into today Rand.

So call into the the arrows show to call in and get some advice so we can help you walk you through the two little quick questions. You've heard me talk about you and I've talked about it a lot. Together we sit next to each other every day.

Yeah. Is is the the ultimate litmus test, folks, of asking yourself, do I move forward on a degree, whether it be undergrad or grad degree? Yeah.

Is is it the only way. Yeah. Is it the only path up the mountain or is it the best way. If it's the best way, great. If it's the only way of course you got to go that way. But if it's not and you can become a CPA another way.

And by the way, when they do the research, I think they're going to see that there are some options there. Yes. But that that's how you really set things straight for yourself to go. Wait a second. Is there so much public pressure?

AOH.

You know, this it is a cultural pressure that says in order for me to advance high up the ladder, I'm going to need multiple degrees and all these letters behind me. Well, that is true in certain career fields. Yes, but it is also false. Yes. Come on.

In many career fields and we've got to have the courage to understand. Higher education, he's got some history in this country. Hmm, you're right, if I preach and preach a little bit. Here we go. I'm going to give you all a history lesson on higher education in two minutes. In the 50s and 60s, states started realizing that if if they could tout that we had a university in a certain area, that it would bring in research dollars because the federal government was giving universities and colleges federal money to do scientific research that would help either win the Cold War or win the Space War and all that kind of stuff.

And so fine medical inventions or new medicines and cures and all this stuff. And so the states started realizing, wait a second, we're going to bring in jobs with all this federal money and with more jobs. What happens? Bigger tax base and governors can get re-elected, say, look, I brought all these jobs. So there became this partnership between higher education and the government to market that the best way to succeed is higher education. And so it became a cultural message, just like milk does a body good or any other kind of message that you've seen out there.

And it was a marketing message and we all bought it. We said, oh, gosh, if we're going to be successful, we got to go to college. And there were posters in American classrooms that showed a college grad smiling and it said Work smart. And it showed a dude in overalls and a wrench on his shoulder, frowning, going, don't work hard. And we bought this message.

What I'm telling you is it was a marketing message and it's less and less true in 2020.

It sure is. And as a matter of fact, when we come back from the break, Ken is fired up about this message. I am, too. And I want to read this article about what parent plus loans are doing to parents and how it's destroying their financial future. So your stay tuned, because right now I'm upset, kids upset. And we're going to talk about it when we come back. This is the Dave Ramsey Show. So a recent article was released when NBC News came where it says parent plus loans are literally destroying families financial future with college debt.

And I want to read just a piece of this, because when I was reading this, I sent to our producer, James Childs, and I told him, I said, hey, man, I want to talk about this because it's frustrating. And with you and I being on the show today, I think we can really help people. The article reads, A RIF was sitting in his pickup truck on the outskirts of Las Vegas when he answered a phone call that would permanently alter his life.

A man from the federal government was on the line and told him that the loan he had taken out so his son and daughter could go to school, go to college, had come to the monthly payment. America was twelve hundred dollars, Rafe said.

I thought I was going to pass out who was only making thirteen dollars an hour as a maintenance worker. I hung up the phone and just kind of sat there for an hour trying to figure out what was I going to do. He didn't want to tell his wife, Tina, hoping to protect her from the possibility of being plunged into poverty. But it was a secret he could keep. I think we both sat and cried for a while over it, said Jay, now 64 years old.

The couple, originally at 40000 dollars, took out. Hatch has snowballed in the last 18 years, with interest rates as high as eight point five percent. Their bill now stands at more than 100000 dollars. They couldn't afford it, so they negotiated with the federal government to get it down to 733 dollars a month. Still, that payment is more than your mortgage and it doesn't cover the interest. So the amount owed has continued to grow.

And this bothers me, man, as I was reading, this can make there's a lot of things in this article that which is very, very frustrating to me. But here's the thing that really, really bothered me. Check this out, America.

Part of what pushes up those numbers are the government's interest rates, which are higher than private banks. They've averaged more than seven point seven percent over the past decade, over seven on top of that, on top of the seven America, the government charges parents an additional fee of more than four percent of the total loan. And the terms are relatively unforgiving. The government makes money off of parent plus loans, according to the Congressional Budget Office.

Are you ready for this? More than 200000 families who made less than forty thousand dollars a year. Listen to this, folks.

They took out a parent plus loan in 2016. This was an increase of 33 percent from 2008. So we're talking about eight years, 33 percent more took out these loans. And these are folks that are making less than 40000 dollars a year. And this speaks to what I was saying in the last segment. If you missed it, there is a marketing message that that has has been a combined effort between state and federal government. Yes.

Pushing this message that higher education is the best way to success.

It is the way to the American dream. Yeah, and that is not the case. It's not. Is it a way? Sure. Is it the way. No, it's not the way. Let me tell you what has thrived during the coronavirus pandemic. Yes, the trades. SMOLAN Come on.

And by the way, we're not just talking about plumbers and electricians and welders, carpenters as individuals. We're talking about businesses in the trades that employ people. And it is the small business.

Man and woman, yes, the small businesses in the trade eho that drive our economy and again, I mention this, my good friend Mike Rowe from Dirty Jobs, I've interviewed him several times.

He's the one that showed me the poster when he was actually in high school in the 70s. A poster was put up in the guidance counselor's office where it showed two men in the poster.

On one side was like a splitscreen.

On one side was a man and a young man in a graduation gown and a, you know, the hat. And he's got his diploma in his arm and he's smiling as though the world is at his feet. And underneath him it said, work smart. Yeah, yeah, yeah, yeah. On the other side of the poster is a man in overalls, dirt on his face and on his coveralls and a big giant wrench over his shoulder. And he looks as though the world.

Has beaten him down and underneath him, it said. Not work hard, work smart, not work hard, and this is the marketing message that began to take over, and so it was here's what parents do when they see that I'm not a good parent if Johnny or Susie doesn't go to college. We are less than if we go to the neighborhood block party or the picnic or the cocktail party and they say, what's junior doing? And you go, well, junior studying to be a welder in the trade school.

You're supposed to be ashamed of that? No. It became a message that, well, Junior, is that the state college studying to become successful when Junior was probably partying and not studying. And now when college education became the way that states get federal funding and more jobs and endowments became in the billions of dollars and higher education became big business. Now about Barry step on all kinds of toes. Then the cost of education went up. Thus the price of student loans went up in the sense that the government went, Oh, we can make money on both ends of this deal.

Yes. And so now we're going to put out loans for parents and big government comes in and says, you two can have the American dream if you borrow this money from us and pay us back. And then we see how out of control it's gotten. You know the numbers better than I do. And now we're saying, well, we're going to forgive these loans because it's the right thing to do, except that the American people have paid well.

Here's their taxes for those loans. So we got ourselves a big giant cultural lie that we need to deal with that college is the only way to success. That's just a big bunch of crap.

I mean, what we're seeing right now, we're not saying that college doesn't help you become successful. No, but if you do it the wrong way, your dream now becomes a nightmare.

But if you do it and you don't need it, what are we doing? Oh, it's really good for Junior to go and experience life. Yes. On campus and meet people and learn how to party.

You know, if your kid doesn't need the degree, if it's not the only way or the best way, why are you sending your kid to college? I will tell you something right now.

I think it's nonsensical. That's what I think.

It's not a rite of passage. It's a cultural thing. It's a rite. It's a status is what it is. It's like, oh, our kid went to college. Big freaking deal. If one of the Coleman kids comes to me and says, Dad, I know the path is and college, isn't it? I'm going to check out the path. We're going to talk through it. We're going to make sure it's in their sweet spot.

And I'm going to go, go, baby, go, go.

Because while all your friends are party and eat ramen noodles and racking up debt, you're making money and you're way ahead. Folks, we got to wake up, man, because we got families that are crippled, crippled, crippled financially because it's cultural garbage.

This family are now 60. He's 63 years old. The mother is 63 as well. Yeah. No one in this article, they're saying we are disabled, can no longer work, and we do not have health insurance because we just have to make these loan payments. And to me, that is so frustrating. And that is why I love what you're doing, teaching people how to find their sweet spot, then see what's the best route to get to that sweet spot.

But you wrote a number one best selling book that every parent who's sitting there going, OK, can maybe I'll be open to this, but I really think my kid needs to go to school. Why would you at least buy Anthony's book Debt Free to read Anthony O'Neal Dotcom. Dave Ramsey Dotcom. Yeah, because he actually shows you how your kid can go to school if they need the degree and not be overwhelmed to. And here's the thing that when I was reading this whole article, which was a little frustrating part for me, was it was this it was like, hey, they went to a state school.

Well, OK, they couldn't afford it. Well, they should have went to community college. OK, there are options to where you can be successful and not rack up debt when it comes.

Nobody cares where your degree is. Where was the last time you went to the doctor before he saw you said, I'm sorry, could you please show me your diploma, please? Nobody does. This is what you get when you come to today, Rabiya. So especially when you got Ken Coleman and Anthony O'Neal on here. We'll be right back. Kate Coleman. My name is Anthony O'Neal Ramsey personalities here on The Dave Ramsey Show, where we would love to talk to you about your life, money, careers, relationships.

Give us a call, triple eight 8255, 2005, and we'll have a conversation with you and help you out with your journey. Brandon is with us in Phoenix, Arizona. Good afternoon, Brandon. How Kincannon, I hope. Hey, thank you for taking my call. So I wanted to kind of just run by my current situation with you and get your opinion on twenty one. Come on baby. Sit two. I have about three thousand on my car note and just about the same on my student loans.

I have an issue with spending money on buying stuff I don't need. I convinced myself like I want it to, I need it and I need it now. And so I decided to go all in with this program. And I basically just want to I want to get out of debt. I don't want to go back. So how do I how do I fight that urge and not go back in the day after paying off my my loans? Oh, man.

Good question. How much money do you make right now? A year, Brandon. About thirty to thirty four thousand, depending on like over time and stuff like that.

Who are you living at home with? Your parents. So you have your own place. I'm with my grandfather. OK. All right, Richard grandfather. All right, cool. So your question today is, how do I. Hold myself accountable to the plan and do not over spend money, but take control of my financial future, right? Right, OK, Ken. My answer is very quick, yeah, I want to hear it was my answer.

Yeah, just do it. I don't really think there's motivation, you know, it's it's a choice, you know, Brandyn, I think the key thing that you have to tell yourself is do it.

I'm not going to do this. I'm not going to go here. I'm not going to purchase this. I'm going to do it because you're 6000 dollars in debt. You make 34000 dollars a year. You're staying at home with your grandparents. I'm assuming I am assuming that you're not paying them any rent.

Correct. Now, I do pay my part of the bill like the gas, the electric and stuff like that, so says about 150000, correct. About 150, 175. How much do you have in your savings account? My savings is about eleven hundred and I got about nine hundred in my checking, OK? All right.

So here's what you got to do, man. You got attacked. You got to check your debt 6k living at home, only paying one hundred and fifty dollars a month just to go towards your bills. You should be out of debt within the next two and a half months. By January 15th, you should be 100 percent debt free, you know, especially when it comes to young people. You know, I try to be very careful what I say with my words because I remember being your age and telling myself, I can't do this.

I can't. I have a problem with this. Well, if I know I have a problem, which I want to commend you on and acknowledge that you have a problem, if you can acknowledge it, you can change it. And so for me, I'm going to say approaches. You know the plan. You know how to work the plan. Just do it. Look at you. Look yourself in the mirror and say, you know what, I have this problem.

But today it ends and tomorrow I'm going to become a new man and I'm going to take control of my finances in my future brain.

And here we go. You're ready? Yeah. Your problem is you've been spending to feel good instead of acting to be good. And you're all about the feeling when you spend like this. I'm not going to try to psychoanalyze you. You can tell me if I'm wrong. By the way, right now, I have no problem admitting that I'm wrong on the third largest radio show in the world. But my guess is I'm right that when you're spending like this and someone says I'm having a hard time because I buy things that I really don't need, we're trying to fill some type of a hole with that purchase.

And really it comes down to whatever the reason for the hole is, we're trying to make ourselves feel good. And I think that you've got to acknowledge that maybe even get some help on that. It may be not that deep of an issue. It may just be where your focus is. And that's why I started with focusing on feeling good versus focusing on being good. And what I want you to do is think of that desired future. What's that dream?

Five, ten, fifteen years from now? Where do you want to be? What's the big picture? What's the story? You want people to tell about your life. And every time you make a boneheaded purchase, you are pressing pause on that desired future. Do you understand what I'm saying? Yeah, yeah, I do. Am I right or am I wrong about your feeling, trying to feel good with these purchases now? You're completely right.

I didn't have much of anything growing up in. So now that I'm able to get stuff, I just feel like I have to have it now. I'm not going to have it later. All right.

So let me talk to you. Let me talk to you. Here's what's going on. You come from a very tough background. You didn't have much. And now that you're out on your own, you're trying to prove to yourself that you're not your parents. Am I really stepping on the nerve right now?

Yes, that's correct.

Come on, man, I feel, you know, you're trying to create a you are dealing with a false narrative that saying that Brandon is who his parents were.

And so you're trying to prove to yourself and everybody else that you're not who your parents were, that you have something, that you are somebody. And I can tell you, my friend, you are somebody, regardless of how many things you have and how many zeros you have in your bank account, do you hear me?

Yes, so you need to shift your focus to what your desired future is and how the finances allow you to make that future happen, if you change your focus to the story that you are telling with your life and not trying to show everybody that you're not who your mom and dad are or were, then I think you're going to see behavior change. That would be my take. I like it, man.

Here's another thing, too, Brandon, is, you know, you and I probably grew up right around the same type of family growing up. One of the key things that I've learned is I had a lot growing up from my parents. I didn't I didn't have a lot of practical things. My parents taught me a lot. One of the key things that made me spin like you when I was your age wasn't because I didn't have, but because of what I was seeing around me.

And so one thing I would even suggest that you do is on top of the change, on top of changing your own narrative, maybe for a while, watch what you're putting inside of your eyes. You know, watch what you're seeing on social media, watch what you're hearing and the music like, change what you are exposing yourself to, because whatever you expose yourself to, then you want to become that and you really have to get comfortable with your own life, with where you are in life, what you can do in life, because I think sometimes it's not about really just our past that plays a huge role, but sometimes it's about what we see.

You're right. Other people do. Come on. Let's especially with with with young people. That's really, really good.

Yes. And Namen tomorrow right here on this. And I'm going to add something to that.

Yes. And I'm sick and tired and I could throw out names, but then I then I'd have to talk to James Kelly about it and then I, you know, whatever. Yeah.

There are a lot of social media influencers that are in the personal development space that we are in. Yeah. And I look at their Instagram posts and they're selling a lie.

And they're helping create the crap that brain is dealing with, the avoid, you know why they're going. Success is about successes, being in debt and having three or four real estate properties, successes, having all this bling man success is having all this stuff in there, creating this comparison.

Cancer for people and social media is crushing people's actual dreams because they're too busy looking at what everybody else says is success and they're not paying attention to what their definition of success is. You got to watch. It goes right. You got to stop hanging out on his Instagram account with all these people lying to you with their flashy life. I'm a taysom. They're an absolute mess and they're profiting off of comparison and I'm fired up.

And here's the thing. I know exactly who you're talking about. Yeah, I think America knows exactly.

I really to take this one dude's name. If Dave was here, he was safe. He calls Dave out. He calls David, calls Dave out. And Dave is such a gentleman. Yes. He ain't going to play that game. But I'm telling you right now, there's a dude who's telling people that Dave is wrong and that you need all the debt you can possibly stack up so you can enjoy the lavish life. No, don't say it because I don't want to tell it.

We're not going to say it because that he's wrong.

That's all I'm saying. He's absolutely wrong. And he's profiteering off of a comparison game, which is dangerous. There it is. That's all I'm saying.

Oh, man. If James Walton shook his head, I would have said, well, we yeah, we don't need to. This ain't my show, but come over to my show. I'll tell you who it is. This is Dave Ramsey.

This is James Childs, producer of The Dave Ramsey Show. On your smart speaker, you can add our skill by saying, Alexa, open the Ramsey network skill. From there, you can listen to all our shows. Ask Dave money questions like how do I invest my money or what is the debt snowball? Find out more at Dave Ramsey Dotcom.

Feel like you're in a rut and living life. Just going through the motions, build confidence in yourself and learn to trust the God who created you. Check out the Crystal Wright Show, where Kristi inspires you to break through your limitations and create the life you're proud to live. Hey, all, I'm Kristy, right? You know, it's so easy to feel stuck. You live life just going through the motions, doing dishes, doing laundry, carpool lines and a whole list of commitments that bring you no joy.

Why do we live like that? That's why I want you to check out the Kristy Wright Show. Each episode will help you build confidence in yourself and the God that created. You hear more from the Ramsey network, including the Kristy Wright Show wherever you listen to podcasts.

Hey, it's James, producer of The Dave Ramsey Show. This episode is over, but check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.