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. I'm Dr. John Boloney. And today I'm here to walk alongside you. With your mental health challenges, your relationship challenges, trying to just be here in the middle of a mess, we're all going through it.

You, me, my family, your family, we're all in this together trying to figure out the next crooked, wobbly thing to do. So give me a call at eight eight two five five two two five. That's triple eight eight two five five two two five. And we already have somebody on the phone here. Let's go to Justin in Lincoln, Nebraska. Justin, how are we doing, my man? Doing well, thanks for taking my call.

Hey, thanks for calling. What's going on, brother? How can I help? Yeah, so my wife and I were both teachers, both music teachers and with all the craziness going on there, but a lot of restrictions at school. And I think we're both really dealing with a kind of lack of motivation to go into work, lack motivation to be teaching and. But basically just feeling burnt out. It's been a rough year. Yeah, so man, first before we dig into it, can I just say thank you for what you're doing?

My wife is a teacher. I've got we've got teachers all my mom's a teacher, but as a teacher. I'm just hearing these stories, and it is just sucking the soul out of folks who have dedicated their lives to serving young people across the country, and my heart goes out to you, man. And for you and your wife and the teachers across the country who are waking up every day and grinding this thing out. Some folks are teaching in person, but partially, you know, on the computer and some people are teaching all on the computer.

And my son's taking violin lessons via Zune, which is a whole weird, wacky ecosystem.

And you can't keep his attention with the marching band, much less a zoom conference. Right. And, yeah, he just got sent home yesterday is just a mess. And so thank you so much for grinding this thing out. How can I help you to.

Basically, we just we both come home at the end of day and we're trying to figure out, you know, how to find the positives in this year and how to stay motivated for the kids, because we know right now they need school. But it's just we're having a hard time feeling excited to be there. And it's affecting the way we're teaching the kids and I think affecting the way that we are with each other at home.

Yeah, I want to hear some about that. Tell me about you and your wife. How are y'all doing together? Not great. No, together we're doing pretty well. I mean, she's incredible. We're both very supportive of each other, you know, keeping things together at home with an eight month old, which adds to the fun and stress of the year man. But as far as the two of us, I mean, we're doing really well.

It's just the work aspect of it. We're both struggling to be excited to go to work. What are your core competencies?

What are you to teach? She teaches K through six elementary music, and I teach the other half seventh of 12 music in the same district, so we're in charge of all the music stuff was everything being canceled. And I think that's where a lot of the struggle comes in. We don't really have anything to look forward to for events like we have in the past because we're just not allowed to do, you know, concerts or trips or anything like that.

So, oh, my God, I forgot. There's not going to be any Christmas concerts. There's going to be no year elves in singalongs and any of that stuff.

So let me give you this this moment of grace here. I don't want you guys to feel pressured to quote unquote, find the good in every day. It's OK for you to music teachers either to get home and have to put all your clothes in the shower and go through the the challenge of hoping your baby's not going to get sick and hoping your in-laws are going to be OK to come visit, not visit all that stuff or closing the computer down.

After eight hours of teaching elementary school kids and middle school and high school kids music via Zoome You can shut the computer down and just look at each of them say today sucked. This wasn't great and not try to fake it for one another, be completely present with each other, you get to do that, OK? I wish there was a nicer way to say what's going on. It just sucks. It's not great. And and there are certain big wins.

There's certain cool moments. And I'm listening to my son's music teacher and she is trying with everything she's got. She is the happiest, kindest soul and she's giving it a shot. But there are just there are just lessons when it sounds awful, it's not good.

Right.

And then be real careful with one another about not comparing where each other is. And that's one of the most common things I hear from folks who are struggling in their jobs, their spouses struggling in their job, and then there becomes this this grief comparison, this cycle of, well, I had a bad day, but it's not as bad as hers.

And so you squashes down and you lean into the scarcity mindset, right? Well, I guess it could have been worse or the opposite. Your husband comes in and says, my day was really rough. And your response is, oh, yeah, well, mine was super. Right. And it just now you're into a track meet here as to whose life is the worst.

Right.

And so give each other grace. And by the way, you have an eight month old brother. If if this was the perfect year, just for whatever it's worth. Is this your first kid? This is OK, so you thought you would be navigating Christmas concerts and an eight month old and you'd be navigating the Thanksgiving performance where these little kids dress up and all these just beautiful and sweet and cute and trainwreck costumes and an eight month old, and you guys would be navigating your first in-law Christmas holiday season with an eight month old.

And so it would not be fun regardless of what's going on in the world. So give you and your wife some grace on this deal, OK? And OK, just promise me this. Just keep showing up for those kids. Keep being honest with one another. Keep listening and loving each other, give each other some slack, give each other some grace.

Reach out to somebody if the heaviness just gets a little bit dark. A little bit too dark and continue to. Exhale. You teachers, you nurses, you doctors, you firefighters. Police officers. Community leaders, you folks who are showing up and showing up. Some of you are in cities where you are being extra graceful, trying to be overly animated because you're trying to make human connection, wearing a mask. Others are being told you're not allowed to wear a mask.

And we're asking you to go into these folks homes, into hard situations and your heart's racing. Every time you go home, every time you close the computer, you're wondering, is someone at home going to be sick? You're wondering if you can just keep getting up and doing this job over and over again.

Hang in there with us. Find somebody who can be vulnerable with find somebody you can be honest with and open with. Stop trying to be tough. Holidays are hard. This year's holiday is going to be especially hard.

Exhale. Get some sleep, eat right, exercise when you can. And make sure you're connecting with other people. Make sure you are reaching out. Dr. John Dillon, give me a call at triple-A 855, this is The Dave Ramsey Show. Your timeshare is a debt, not an asset. There is no equity in it, but there are annual fees. In fact, in response to covid-19, timeshare developers are actually sending out special assessment fees. That's ridiculous.

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This is the Dave Ramsey Show, I'm John Boloney. Sitting in here today with you, the listener, whether you're driving in your car, you're here at work, you're all going for a walk in your neighborhood, you're mowing the lawn. I'm happy to be here with you. We're taking calls about your life. You could throw a money question at me. I might be able to answer it. I'm not near as smart as Dave. Yeah. Yeah, he sleep.

You'll sleep on that guy. People just think they've just talked about not getting out of debt. That guy is a savant. I've I've been around some super smart people over the years.

That guy's real, real smart. Behind closed doors.

He just plays Dave on the radio. Right? Is that right? No, that's right. He plays smart all the time.

But give me a call at 855 and he's just real good. Look, good looking. All right. Let's go to Charissa in Kansas City, Kansas. Charissa. How are we doing?

Hey, Dr. Dean, nice to talk to you. It's so nice to talk to you. How can I help? Hey, just have a question. I have a relative that continues to to be offensive. And and when they apologize, they're the apology is always I'm I'm sorry if I offended you. I'm just wondering what your thoughts are and how to respond to somebody that that that that's their form of apology.

Well, you say they're offensive. Dig into that for me. What do you mean?

Well, it's a sister in law, so I've been married for 12 years. She just she likes to make lots of digs and comments towards, in her opinion of our lives. I guess I could get into specifics if you wanted to.

Does she think you're not good enough for her brother? Well, I think she feels that I try to keep him from his family, if that makes sense. Yeah. Is it true? No, no. I think that when my husband and I got married, I know I know that every family has dysfunction levels of dysfunction. But I think he didn't maybe realize how much dysfunction his family had until, you know, he got married to me. My husband, my family has dysfunction.

Don't get me wrong. But the level of dysfunction, I think he has a difficult time dealing with some of the dysfunction. I do try to encourage him to have relationship with his family, call them, talk to them. He he he just struggles with that. I think maintaining contact with them, I guess, is the way that I would say it.

And so his sister blames you for. Your husband, for her brother, not wanting to reach out to them, correct? He's found peace and new relationships. He's realized, oh, man, there's another way to live.

It's not everybody angry and biting and blaming. I'd rather just spend my time there and not over with that massive dysfunction you talk about.

And she blames you for it, huh?

So, Wendy, when do you have to see her or when do you have to interact with her?

So we try to visit once a year in this coming trip was supposed to be for Thanksgiving. And that's that's where the whole scenario went down, was that her and her family had just recently tested positive. But she was reassuring everyone that she would be totally fine for covid, for me for Thanksgiving.

And and, you know, we were just supposed to go along with still wanting to come, which we all know that covid is different for different people. It affects people differently than people can recover very quickly from and some people may not. And so to be offended that we want to wait until we know that everyone is well before we decide about coming or not seem to be what made her the most upset, I guess, is is how to say that.

So I want you to imagine your kitchen table in your house and on that kitchen table is a little box.

Think of an old antique jewelry box, OK? And it's completely empty and the lid is open on it. And inside that box are three or four people. That you have given permission to speak into your life, one of those is your husband. OK, he gets a vote. You don't have to tell me who the other one, two or three are. It could be an old friend or two from college that you still are connected to. It could be a lifelong friend.

It could be a mentor. It could even be your parents. Probably not, but maybe it could be any number. But one of the people not in that box is your sister in law. She absolutely doesn't get a vote. And the conversation you need to have with your husband about the boundaries you are going to set for your family moving forward, is this. If she is sick. With a pandemic illness.

And her response to your concern is, are you serious as opposed to, hey, I got sick and I absolutely think I'm going to be OK, but I 100 percent understand that people are uncomfortable.

I'm so sorry. We'll figure something out for Christmas. What a mess this is on everyone to be safe and OK. If that's not her heart, then she doesn't have your best interests in mind. She has a fantasy of a Thanksgiving she can control. And what you have the the right to do. I'm expecting you to do this, you should do this, you and your husband together, and you'll get to create a world where she doesn't get to speak into it.

And that may mean that if she can't handle your boundaries, that you don't go there for Thanksgiving anymore. If she's not able to seek the best interest of those that she loves, then she doesn't get a vote on what you guys do for the holidays, that may mean that you'll have to come up with some new traditions and that'll be hard and people won't understand.

And they'll call you an idiot. They'll blame you. And and that's hopefully your husband will step in there, too, and say, no, no, no, no. My family I'm making some of these decisions in concert with my wife.

This isn't just her. Hopefully he will do that for you, but at the end of the day, she doesn't get a vote. Now, you're very original question had to do with apology, right?

Correct. Yes.

Here's here's my rule of thumb for apologies. Apologies are for me. If I hurt somebody and I apologize to them. And they choose to not accept it. That's a choice they've made. I can't control what they're going to do. I can't control if I did something, if I tried to rectify a wrong with the best integrity I knew how to do, which is to say I'm sorry. If somebody doesn't apologize the way that you want them to just put that brick down, don't carry that around.

Because it's not going to change them, they clearly don't care, right? Sure. And all your children do by carrying that around is you're going to weigh yourself down. You're going to weigh your relationship with your kids down, with your husband down. You're just going to cause yourself more grief and pain. If someone doesn't want to apologize to you, that's their deal, would it feel nice to get a true apology? Absolutely. It feels so good, but you're not going to get it right.

And so choosing to beat yourself up over choosing to carry it around. Don't do that. Just set it down. And she might be trying to apologize with the only tools and words she knows how, she may just not be good at it and man, it'd be great if she wouldn't try to qualify every apology that the awesome. But she's not going to just set that down. But I think you and your husband need to start today, start tonight, start tomorrow.

Paint a picture of what you want Thanksgiving to look like, that doesn't include the Family First say, what do you actually want to get out of Thanksgiving? We want to relax, unapparent loved ones. We want to support our kids. We want to have some joy for the first time in a few months. We want to be safe. Want to be healthy, and if that doesn't involve his sister this time, then it doesn't involve his sister this time.

And he can make that phone call and say, hey, I'm choosing to not come this time, I'm going to let you all know now and we're going to try to rally back up in December and then we'll have a good time. But if not. Man. Just let it go. You get to choose who hurt you, you get to choose who has a voice into your life, you chose him. That's one. You just got a few other spots in that box on your kitchen table and she's not in there.

And if you're ever going to have a time when you're going to redo holiday traditions, you're going to do things a little bit differently.

This is the year to all you couples out there listening tonight, tomorrow, sit down and say before we just launch into the car, before we get on an airplane, what do you want Thanksgiving to look like? What do you want Christmas to look like?

Y'all can make that choice. This is the Dave Ramsey Show.

Listen, there are some basic things that you should be doing to take care of your family, a roof over their head, food to eat, a car to get you from A to B and term life insurance, term life insurance is an immediate need no matter where you are in the baby steps, since your family is at no greater risk than when you're in debt. The only place I send you for this is to Zander Insurance. They shop all the top insurance companies and they're committed to serving you.

That's why I use them and have recommended them for over 20 years. Go to Zanda Dotcom are called eight hundred three, five, six, 42, 82.

This is the Dave Ramsey Show. I'm John Maloney, walking alongside you in life.

Your relationships with your mental health, whatever you're working through and listen, it's the most wonderful time of the year.

Oh, please be the most wonderful time of the year this year. Believe it or not, Christmas is just around the corner. I saw an awesome meme the other day that just had March flatten the curve and a bunch of squiggly lines and then it just said December. Right. So here we are. Christmas is just around the corner.

I can't even believe it. Here at the Ramsey office, we are going to be proactive about putting joy and cheer out into the world, right? So to celebrate, we're going to give away cash all season long into our Ramsey Christmas giveaway daily to increase your chances of winning one of our weekly 500 dollar prizes or our five thousand dollar grand prize winner at Dave Ramsey dotcom slash giveaway. And plus, if you're looking for a life changing gifts for family or friends, our famous ten dollar sale is back.

It's back. This is not the year to buy garbage in another shiny thing, in another Class B thing, nobody needs another brush this year, nobody. We need some wisdom. We need some good news. You can shop over 50 of our best selling books and envelopes for 10 bucks or less, you can pick up my brand new quick read, Redefining Anxiety for just 10 bucks. Helps you reimagine what's going on in your heart, in your mind, in your brain between holiday stress and family craziness, this time of year can create a lot of anxiety.

My little books, only 80 pages long. It's short. You can read it in a couple hours, but it will help you understand the four biggest myths about anxiety so you can start to get your life back.

But that's just one there's a ton of other books there. In order to win some cash and save some serious money on your Christmas shopping today at Dave Ramsey dotcom giveaway, no purchase necessary to win and you can enter daily to increase your chances. Let's do it, let's intentionally find ways we can inject some joy into the year. Let's do it. All right. Let's go to Jody in Durham, North Carolina. Jody, what's happening? Hey, John, how's it going?

Outstanding, how are you? I'm doing well. I really like Dave's phrase better than I deserve. I think it encompasses a lot of gratitude and humility, and both of those are very good things. So I don't want to steal this phrase but that, yeah, I don't want to steal this phrase, but that is how I am allowed to steal it.

I'm not allowed to steal it. I said focus, not finish the other day. And I thought Hogan was going to flip my car over in the parking lot. So I've got to come up with my own savings. I'm not there yet. I'll get there someday.

Right. But yes, the service is excellent. So how can I help you?

OK, you have to forgive me. It's been a bit of an emotional day.

No, no, I don't think your time on my seven year old son has a genetic degenerative retina disease and is going blind. And I'm sorry he was diagnosed when he was ten months old and his. A family has been behind him every step of the way, fighting against blindness, but we learned two weeks ago that this battle is about to come to an end and that his vision is now very rapidly declining. You know, we've had these these peaks and valleys along the way.

We've had wonderful times. I'm so immensely filled with gratitude that he's had vision this long, because when all of this was first happening six months or six years ago, I didn't think that he would. So I guess I have two questions for you. And I hope other families out there who have visually impaired or blind children during this time, what schools are closed due to commit can hear this and maybe gain some insight from that as well, because it's really been a struggle.

The first is, you know, he's not unhealthy. Nobody's dying, but it feels very much like that. There's just this deep sense of grief that comes with this. And I have to keep reminding myself of how fortunate we are, how fortunate he is. I know he's going to be OK in his life. I mean, I know that at my core, but it doesn't stop this just deep grief from striking. To give you an example, you know, two weeks ago there was this this peak.

We were excited because he could see the reds and oranges on the leaves as they were changing and fall. And that was wonderful. And then last week, I punched back into grief when all the weeks turned brown and started falling off the trees, knowing that this is probably, you know, we're all going to see the foliage next year, but he probably won't. So how do you reconcile cookery with the gratitude? Because then I end up feeling guilty for not being grateful enough for what we have, and I feel badly about that.

Yes.

So, Jody, listen, grief. And Joy are not mutually exclusive, in fact, they work together as partners. And. Comparing grief is one way to send you to an early grave. The worst thing you can do to your body, literally, physiologically, biologically. And the worst thing you can do for your mental health. And really, the worst thing you can do for your relationships is compare greif. Up against something else, instead of just feeling it, acknowledging it, and I will say it for you, Jodi, you have a beautiful little boy who is healthy.

And it sucks that he's losing his vision. It's not fair, it's not right, it's not the way things are supposed to be. It just sucks. And you get to own that, you get to feel that, you get to sit in that and denying it doesn't make it go away. Comparing it well, yeah, but other kids somewhere else in the world, that doesn't it doesn't help those kids and it doesn't help your kid. And so hug him and tell him this is really hard and I'm sorry.

This really, really stinks. And if I could, I would do anything I could to make it go away. Acknowledged. Let him hear you hurt and it will make him feel not crazy to. You get to honor him by teaching him how to grieve. And how to eat, teaching him how to grieve and still get his bed made. You get to give him that joy of connection and connection is not just in good stuff, it's also in bad stuff.

Right. So those two things aren't mutually exclusive. Just promise me and your husband and your kids, you will not play the grief comparison game. It's just a futile exercise. I've heard it especially in during covid, somebody calling and saying through tears.

I've been planning this wedding for two years and it just got cancelled, but at least I've still got my husband right. We had to go to the J-P.

Then the next call is, man, I just got furloughed, but they didn't fire me. And I know other people are losing their job. And it the comparison goes on. I had to spend 10 days in the hospital, but I didn't pass away.

And so I shouldn't be upset that I was in hospital. Everybody saying, stop, you get to own your grief.

It just sucks. It just sucks. And you mentioned something important I'd love to hear you extrapolate on a little bit. Blindness is incredibly isolating. And when you can be in a room full of people who love you and care about you, if you can be with a supportive group of kids at school. Then there's some there's some connection there, it's a different connection, right, but it's still connection. You don't get that on a Zoome call, right?

You don't in our schools here have been closed for the last eight months. There's no reopening or anything like that currently. And yeah, I mean, his classmates used to like them when he was coming down the hallway and there was a connection. I think the other thing that's so challenging here is, I mean, he doesn't regret he reads Braille. Braille instruction is very tactile. And these kids need to be touched. I need their hand mechanics, how they need their hands held by other teachers know what they're doing.

I mean, it's it's a very specific way of teaching a child. And he's incredibly bright.

He has the paper and that Jodi is where you're going to have to step in. And it's going to be a long road and a hard road. But that's where you got to lean into this this wacky, weird time, that's where you got to lean in and be extra hands on, extra honest, extra transparent. And call in reinforcements when you can. He's so blessed to have you as a mom. This is the Dave Ramsey Show, I'm John Boloney, walking alongside you and your family and your challenges and your kids and your mental health issues or joys that you've got, maybe 20, 20 hasn't been a complete dumpster fire for you.

Triple eight 8255. Let's go to Andrew in Fort Worth. Andrew, how are we doing, brother?

I'm doing well. How are you? I'm doing.

I'm going to say what the boss says I'm doing better than I deserve. How can I help, ma'am? Well, I have an interesting question. So I am in the recovery process and I'm an alcoholic. And I started my recovery process probably about three years ago when I was in college. And it took me a while to kind of get traction around it. But at the end of this month, I'll have a year sober. Dude, hold on.

Hold on. You've made it through the pandemic years sober.

That's right. It's the craziest year. But, Andrew, how I managed. In front of you, God in America, I want to say congratulations, my brother. Thank you. I appreciate it. If you looked at the statistics of how much people are drinking in 20, 20. And to think this is the year you pick to double down and getting well on double down on your health re establishing relationships. Man, I'm so proud of you.

Congratulations, my friend.

Good for you. So how can I help? So I do the question about relationships. So one of these steps in a recovery process in the program of recovery that I'm in is reaching out and trying to make amends with people that you can't. Yes, sir. So what that looks like is that can either be directly or indirectly. Yes, sir. So there can be people you've harmed through your drinking directly, you know, talking bad about them in whatever way it looks like or just not being the friend, not being the person that, you know, you should have been.

And so, you know, the the the reason behind it is as alcoholics, you always know over your past actions, kind of as the person that you were before you got sober. That's right. And so in the process, I've had to reach out to people who I've who I've thought I've harmed. I've had some really great experiences of people, you know, who, you know, were just so happy for me and glad that I reached out.

And then I've also had, you know, kind of. You know, bad feelings about, you know, trying to reach out to kind of more of the difficult ones. So I guess my question is how you kind of go about reaching out to someone where you feel like, you know, there may be some. There may be some stuff from the past that you're still working through, but, you know, I mean, is it probably right to reach out?

Or should I probably give people some space and not reach out? Sounds like you're trying to avoid hard conversations, Andrew. Exactly. I mean, that's pretty much what it comes down to. I mean, I guess I rationalize it by saying, you know, maybe they don't think about it as much as me or maybe I.

Listen, listen, Andrew, if you have if you have you have walked along with the sponsor for a year. If you have remained open with your group for a year.

If you've committed that, these are the steps I'm going to walk. You need to see it through. You can't just do the the less hard part of getting well, and this just this isn't just alcoholics, right? This is folks who have to walk back through childhood traumas. These are folks who said something really awful to their wife.

This is somebody that sent that text they just should not have sent. This is those folks that have to walk in to their boss and say, hey, man, yesterday, dude, I was bad mouthing. I'm sorry. This is when it gets real and this is when you're going to find out, are you in or you out? Because my guess is you've made the call to the folks who. You knew what year for you, and there's probably three or four or five or six or 10 folks.

That you still owe money to, that you legitimately hurt in a deep way. And if this is the plan you're on, this is the path you've chosen to walk, then absolutely you've got to step up and do the hard thing. And that's what your sponsors for. You're not doing this alone, right?

You're not out here on an island, Drew, you've got you've got people at your meetings, they're there to support you. You've got your sponsor there to support you. And this is when you really start leaning into the hard stuff. Right, and I think I've made some of those more difficult calls, the reason I'm having trouble around it is that particularly for me, but a lot of people, there's a lot of traumatic experiences that you have when you're in your addiction, for example, you know, drinking so much that you don't remember what you did or how you would have harmed someone.

And so what that looks like is you wake up the next day, people are so mad at you, people won't talk to you or your phone's blowing up with text messages of different things that people said you did and maybe, you know, and you genuinely don't know. And so having to reach out to people and apologize and, you know, things that maybe you don't remember but actually hurt them, I find this more difficult because it's kind of more difficult to own that.

It is. And it's not. It is because you don't have a list of specifics. You don't have a checklist. It is because the way you apologize in those moments is on your face. Totally humble, not to a process, not to a checklist, but to a person you hurt. To a person you hurt and they may not accept your apology, they may tell you to get up and get out. And they're allowed to do that. It's so much easier, you know, exactly, because then you can prep the you can prep, right.

You can you can write a little note card and practice the speech and go over and over and over.

It's way harder. When you got to take that freefall, plunge of humility. He can get down on your face in front of somebody and say, years ago I was sick. And I hurt you and I'm sorry. I'm not even certain what I did, but I know that your life has been impacted negatively because of me, my choices, my decisions, and I'm so, so sorry.

And that's the best you can do. So, yeah, Andrew, it's time, it's time. Tis the season, my brother. You've made it this far. Absolutely, 100 percent believe in you and listen, other people are the emergency fund for life. That's me stealing from Dave. He talks about having an emergency fund financially, having that thousand dollar emergency fund, that three or six months. Other people are your emergency fund for life. We cannot do this by ourselves, period.

We can't. Sounds cool in theory. It's going to pull myself up by my bootstraps, I'm going, you can't. That's the beauty of a program like AA. That's the beauty of a group of men. They get together every Monday night in laugh together, tell jokes together, check in on each other, ask each other how their marriages are doing. That's the beauty of a group of women who get together and read books, who talk one another.

Who are mechanics? I don't care whatever it is, it's a good church group. It's a good group of folks who work in the same department who get together after work. Or who some call nowadays. Other people at the Emergency Fund for Life and Andrew, you're not making these calls alone. You are going to have to walk through a wilderness of of. Of not knowing, walk through a wilderness of other people's hurt. And that's the whole point of the step.

That's the whole point. He's making amends. Cleaning up the mess. Saying those two magic words, I'm sorry. I'm sorry if people would begin saying the words, I'm sorry, the world would change today, find somebody in your life today, say the words, I'm sorry, say the words, I'm sorry.

That's it. America, we're done with this hour. I want to thank producer James Childs and associate producer Kelly Daniel and all the engineers back there. This is The Dave Ramsey Show. I have a friend or family member that needs a daily dose of Ramsay advice in their life, let them know about the Ramsey Call of the Day podcast. It's a quick hit of advice about life and money in. Under 10 minutes, check out the Ramsey Call of the Day podcast.

Wherever you listen. Money isn't the only thing we talk about around here. Get life changing advice on your career. From my good friend and career expert Ken Coleman. Oh, my Ken Coleman show. According to a recent Gallup poll, nearly 70 percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, the Ken Coleman show is for you. Everyone has a sweet spot.

Your sweet spot is at the intersection of your greatest talent and greatest passion. We will help you discover what it is you were born to do, and then we'll help you create a plan to make your dream job a reality. You matter and you have what it takes. Join the conversation on the Ken Coleman show. Hear more from the Ramsey network, including the Ken Coleman Show, wherever you listen to podcast.

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.