Live from the headquarters of Ramsey Solutions, broadcasting from the car rental studios, it's the Dave Ramsey Show where that is dumb. Cash is king in the paid off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Dr. John Deloney Ramsey personality is my co-host today. Open phones at Tripoli, eight two five five two two five. Christopher is in Scranton, Pennsylvania. Hi, Christopher. How are you?

Hey, Dave. How are you? Great, man. How can we help? Good. So I'm twenty three years old, still living at home, just finishing off my debt. I have six K left paying it off. So if you were in my position. Twenty three years old, what's your next step? Once you're debt free, should you invest. I save more or save for a down payment on a house. Just curious what your what your info is.

Cool. You're doing great man. Congratulations.

How much have you paid off.

Started at thirty two thousand.

Wow. Good for you man. What do you make.

Eighty three thousand for your Lord. What do you do for a living. I'm a project manager. Excellent. Good for you. Thank you. You're killing it. OK, thank you.

So you like that. You're making great money. You like your job in your area. I do my job is a blast. I really enjoy it. The area I, I don't have an issue with don't like the winter, but I think I'll stick around here for a while.

Sure. OK, well, we teach folks to become debt free, which you're very close to doing, to build an emergency fund of three to six months of expenses. That's baby step three and then start saving 15 percent of your income towards retirement, sometimes between baby steps three and four between getting your emergency fund. And first, people will stop there and save up a down payment for a house before they start saving for retirement, particularly in your age group, because you got plenty of time to get after the retirement and you're not going to be sidelined from retirement saving very long to save up for a down payment on a house.

So what would I do if I woke up in your shoes?

I would make plans to have my own rental place within 90 days. OK. And I would rent for a little while while I built up my emergency fund and started saving for the down payment on my house and plus or minus start saving for retirement. But it's been my experience that it's going to be very, very good for you. You make a lot of money. You're doing really good. A great first job out of the gates, man. I mean, your income's amazing.

You've cleaned up your debts. Being on your own is a great next step. Right, right. Do you have a good relationship with your folks? I'm sorry, do you have a good relationship with your folks? Oh, yes, very close. Yeah, man to leave it on a high note. I love Dad's recommendation. Right. You know, they keep the good relationship with mom and dad makes my suggestion feel a little bit ludicrous because why not stay there for rent free and build up some cash?

That's what that's what Rundstedt mom and dad said, because they don't necessarily want to kick you out. And it's what's running through your head. I will tell you that the advancement of your adulthood will far outweigh the your wealth building over the next 10 years by moving out earlier rather than later. Their math, their math is wrong. And the good I mean, I had one of our kids live with us for a little while right after college. And and we love her.

And honestly, to this day, she could live there and I'd be fine. I mean, we get along well and, you know, all that kind of stuff. It would not be an issue at all.

There wasn't anything driving her to leave or us to throw her out or something like that. But but she stayed about 90 days and went out on her own. And it just changed the way she walked. It changed the way she talked. It changed the way she functioned. When you start buying your own groceries in your own light, Bill, it just changes stuff.

And I hear so often folks get to that that relational tension where mom and dad and you just can't sit at a table. Hardly. Yeah. You hate it when they walk into, quote unquote your room, but it's in their house.

All that leave on a great note. Leave when everybody's when nobody wants you to leave. Yeah.

You still have lunch once a week. Go go to lunch on Sunday afternoons together still and be connected. Still watch the game with you, with your old man, but leave while things are good and your financial footing is so strong right now you're good to go and make an eighty three or twenty three.

It's a different world.

That's it's not the world I lived in. That's good. One way to go man. So proud of you. Project management. Great, great field. Great field for sure. Well it is time to put twenty twenty behind us if you're ready to own this year and actually accomplish your goals with your money, your career, your life. We got the plan to get you there last year.

Left us all with wounds and feeling stressed out. So start twenty, twenty one with our newest quick read, Redefining Anxiety, My Doctor John Boloney, to learn what anxiety is, what it's not and how to get your life back. The best part is just quick read. It's only ten bucks. And this year many of us need to spend time connecting with God to rest to reset. Christy Wright's new women's devotional called Living True. Forty days to get back to you will help you feel like you again.

And to help you with your money goals, pick up Rachel Kruse's brand new best seller No Yourself. Know your money. This book will help you tackle your money mindset so you can make real progress and reach your goals even faster. Online store Dave Ramsey Dotcom Backslash Store to get serious, make some real progress. If I woke up in your shoes, I would probably buy all three of those. Redefining anxiety. The new forty days to get back to you devotional and know yourself.

Know your money. They serve three different purposes and they're all solid material and all bestsellers, by the way, seem some neat things with that redefining anxiety.

I'm starting to get notes from counseling offices across the country that are buying them ten at a time. No way to give to their clients all the way out the door so they can say, hey, read this, and then the next session we'll talk about it. And you got some tools. And the counselors love it because it's short and it's simple. It's right to the point. And that's what works.

That's affirming. Hey, it is. Yeah. And when folks, as you kind of expected some of the counseling community to be mad at you about this.

I did. Yeah. That we distilled, you know, thirty six thousand degree into about eighty five pages. But yeah. But I mean, some of the stuff you say is a bit heretical in that world.

It is just because it's simple and we tend to overcomplicate things. And it was a it was a journey writing this for me. Even you guys kept pushing me back and saying you're not talking to a bunch of scientists, man, how can I help somebody in their house right now struggling at their kitchen table? And it's another fire. It's yeah, it's it's really a gift.

But it's neat that that's cool. I mean, just picking it up. Yeah.

That is I did not see. Yeah that's awesome cuz I need to what. I come up with a book deal man. That's a that's a good thing. Ten dollars is not a bad ten bucks man. Shut up, shut up. Cut the price even more. That's right. Cut down what John's going to make on it. But that's great. The book is Redefining Anxiety What It Is, What It's Not and How to Get Your Life Back.

Three out of five counselors now recommend I wouldn't ratify this right then. It's three out of five dentists recommend. It is great. It's a great read. If you've ever had or know anybody that like yourself that's dealing with anxiety. It is a it's a must read and it's only eighty four pages. There you go. This is the Dave Ramsey Show. Everyone wants to keep their home and family safe, whether it's from a break in, a fire flooding or a medical emergency, simply safe security delivers award winning 24/7 protection was simply safe.

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Dr. John Boloney Ramsey personality is my co-host today, open phones at triple eight, eight to five five, two to five. Cody is with us in Houston, Texas.

Hi, Cody. How are you? I'm good. Thank you for taking my call. What's up?

I just needed some advice on how to practice patients better, whether it be in my career or just life in general. I'm just really patient. I've always been pedal to the metal, you know, climb the ladder, climb the ladder, climb the ladder, and then covered it and stopped all the ladder climbing. So I'm just getting kind of bored. A man just needs to figure out how to be more patient with my life and career progression.

What are you running from, man? I don't know. I just I grew up super, super, super poor. And I'm tired of being that way. I'm in a lot better position now than I ever dreamed. And I'm just I'm just trying to not go back to that place.

When you say you're in a better position, what does that mean?

Just financially? I mean, me and my wife, we live a you know, we have a good life and better than my family ever did growing up. So I don't know. I'm just trying to make sure I don't end up at this point.

When you say good life, give me a picture that you're talking about financially. Your marriage is good to get. Your kids are healthy. What's that mean?

We don't have kids, but financially, our marriage is good. I mean, we're we're in our second year of marriage now. So as good as two years of marriage can be during a pandemic.

But I mean, we make really good money.

I mean, we're both young. We don't have any kids yet, thankfully, because they're expensive. But, you know, what's what's really good money between the two of us. About two twenty and your old. She is twenty seven and twenty six. It's really good money, it's great money. So sometimes when folks have a picture of a life they don't want to have, they take off running as fast as they can. Another direction. And that's often a good thing.

Right.

But if your identity doesn't become about building something good, but it becomes about not being that, then you're going to always be running for the rest of your life and your identity will become as being a sprinter. And so there's a way you could look at this season.

You're making great money, great money, astounding money in a city that's not super expensive. And you can look at the slowing down as a curse or as, wow, what a gift, man. I can spend more time with my brand new wife and we can figure each other out. That becomes you're talking about legacy shift, earning the money, changing your financial footing. That's part of a legacy shift.

But so is having great relationships, deep rooted trust with somebody you can anchor and repel off the edge of anything with or survive any car crash with.

Right. And so I'd love to challenge you to come up with some practices that when you start running from something, when your heart starts racing, when you get those looping thoughts in your head.

I've got to go. Got to go. Got to go that you and your wife come up with, whether it's a code word or whether it's a special meal or something that you slow down and intentionally practice. But still, there's one way to practice patience, brother, and that's to practice patience. I wish it was harder. I wish it was more complex than that. It's not. You have to decide that my life isn't going to be judged on how many zeroes I have after my check.

They're awesome. But it's not all of your life. You're gonna have to decide that I'm going to put prioritize some things in addition to changing my financial future. Right. And so you're going to have to decide to not spend your life as a sprinter. The tortoise always wins. Always. There is something to be said when you shot out of the gate. And that's incredible, man. What do you have? An emergency fund? You guys got a home you all set up?

Yeah.

So we're in three and four. So we're we're out of two. And we do have the emergency fund set up. So now you've got to do the hard work you sprinted, you guzzled out, right? Yeah. You finished up the intensity. Now you're going to go to the intentional. And that's hard enough in six. It's a gear change.

So how long you been making to 20? Not that on the last maybe six months, she just sent us to school, so she got out and got a job that really kicked it up. Yeah.

So based on the math of what you've told me and you're always focused intensity and your high level of motivation, I'm going to tell you that 20 years from today, when you're in your mid 40s, you're going to have between five and 15 million dollars.

Yeah, obviously, now the difference and five million and 15 million. In terms of what it does for what you're running from is zero five million get you as far away from poverty as 15 million get you. The only difference is which room you stay in on vacation and which how many lobster tail you order with that steak.

That's really the only one. And really with either one of those numbers, you could do as much of either of those things as you want to do. There's only so much crap you're going to be able to buy. And the difference in five million or 15 million is merely legacy stuff. It's merely stuff you can do with generations. It's merely things you can do with generosity. But your actual state of well-being, the difference between five million and 15 million is almost nothing.

The difference between five million. Fifteen million that you the price you would pay psychologically, emotionally, spiritually between now and then to have 15 instead of five ain't worth it, is my point.

So far, five at five at 20 years from today, or seven or 10 at 20 million, 20 years from today. Running a marathon page instead of a sprinter's pace is all I want for you. I don't want you to have 20 and there's nothing left in your guts and your kids don't know who you are or they don't like talking to you or your own marriage number three. And I work, I work, I work with wealthy people for 25 years and I am wealthy and so and, you know, I get up on Sunday morning and go to Dunkin Donuts at six o'clock in the morning and take the grandbaby's doughnuts with sprinkles on.

And, you know, you can do that with five million. You can do it with 50 million. You can do it with 500 million. You know, the laughter of the kids is really not even going to change the car you drive in.

That's the difference between at a certain point, wealth only begets more wealth. It does not change the situation. That's right. It doesn't change. It doesn't change your setting. Right. There's only so much I mean, when your home becomes two percent of your net worth. Instead of eight percent of your net worth, it doesn't change, you know, yeah, it's not a it's not a thing when it's 100 percent of your net worth, that's when you are feeling that one.

Right. You are feeling that one.

But but but at some point you're. Your environment is no longer your personal lifestyle, your environment is no longer affected unless you're just some kind of freak who's just buying, you know, stuff like, you know, whatever bling or you're trying to just buy stuff to impress people. I mean, you can do all that. But even then, you know, you just got another yacht that you have to work on. Right. And they break down.

And so if you've ever been hiking in the woods and you turn a corner and there's a bear, you have a built in your heart races. When you go in the woods, whenever you hear something rustling, you immediately, you've got to train yourself over time to not see a bear everywhere. It's a rare occasion. I've been in the woods a million times. It just doesn't happen that often. It does occasionally.

But man, when you've seen poverty, when you've seen your family question, it's just such a good attitude and it's so hard to get your head out of that because, man, our brains take care of us.

Interesting way to ask it. What's it how do I learn to practice patience?

That's somebody that's got some wisdom and he's starting to see it, right. It's not, you know, but I don't think it's patience. I think it's contentment. That's it. How do I practice practice peace something this year that godliness with contentment is great game. I'm working this year to reverse engineer the fruits of the spirit. Hmm. What does it look like?

Where do I see peace? Where do I see gentleness and where can I trace that limb back instead of trying to do it over here? I'm trying to walk it back. I'm just going to open a can of gentlemen. That's exactly that's not how it works.

Right. So where do I see it? And I love his question because he's certainly searching for, hey, we got that money and I still am not just falling asleep at 10:00 am. Still water, not really motorist around. I just go to sleep and I want to tell you, you practice peace, you practice gentleness, you practice forgiveness, and slowly your default setting falls that way. Yeah, but it's good. But he's on it, man, because he asked the question and that's a gift because he's not blaming everybody for his lack of sleep.

He's not chasing pills. He's not chasing anger. He's saying, how do I practice patience? And you practice patience, my practice and patience. There you go. Dr. John Loney, this is The Dave Ramsey Show. Dr. John Maloney, Ramsha personality, is my co-host today here on the air, Mike and Marianne are with us in Richmond, Virginia, says on my screen, you guys are debt free. Congratulations.

Thank you, Uncle Dave.

Way to go, guys. How much have you paid off? We paid off one hundred and seventy two thousand dollars. Oh, right.

And how long did that take you? Twenty seven months. Wow. And your range of income during that time.

One hundred and fifty thousand two hundred thousand. Very cool. What do you guys do for a living? I'm a small business owner and general contractor and I'm a fundraiser for university health system. Awesome way to go.

So what kind of debt was the one hundred and seventy two thousand dollars we had where I had a little bit of business debt?

I think it was two vehicles, student loan and some renovation loans for our home.

OK, so you got just kind of normal. Very normal.

Normal. Yeah. No credit card debt, but yeah. How long you guys been married?

We've been married almost three years, and our story is pretty cool, Dave. We met about 30 years ago through church and even dated a little bit in high school, then went our separate ways. Married Mike had two children. We both went through a divorce and reconnected about four years ago and did what any newlywed and love couple would do. We bought a house, a two hundred year old farmhouse and financed the hundred thousand dollar loan. So before you knew it, we were almost five hundred thousand dollars in debt.

Wow. Wow. Yeah. Yeah. That was a big tipping point for us for sure. And we were on a long drive and we heard this Dave Ramsey podcast. My kid read the Total Money Makeover. And in that process we looked at each other and we said we could do this, we could to be debt free. I know that we can make this happen as a couple.

So, Mike, you got her in the car before you put the podcast on her. Well played for a long time. You know where to go, man.

Well, rap crap. Crazy Dave Ramsey.

Oh, my gosh. Oh, man. So how long was this drive?

I do think it was about an hour and a half. And I think she said, hey, do you like podcasts? And I think I said, do you know who Dave Ramsey is? And that that was the that was how that started. And we were listening to it, Dave, and we thought, gosh, these people are amazing. They're paying off hundreds of thousands of dollars. We have that same problem. Is there any way that we could do this?

And I think we were pretty scared at first. But the second we got married, we combined all of our finances and we went right into the snowball.

And it really changed our life, both individually and then as a couple coming out of two other two failed marriages.

How hard was it to combine your finances? That's a really good question. I don't think either one of us had a lot of expectations based off of our previous experiences, but because we didn't have partners in our previous marriages, it was really fun to kind of learn how to do this together. And there was no point of resistance at any time to to do this as a couples. And the best part has been doing it together and having that partner.

What I tell people all the time is that marriage can be wonderful and the financial part of marriage can be even better. It can be a lot of fun to dream and plan. And not only did we accomplish this goal, but every single day we dream together about what we're going to be able to do in partnership. Man, that's awesome, that that's that's the key to success, especially in second marriages, is being able to say we're going to build something brand new together and we're going to plan it and see it and dream it and then go make it happen.

And good for you guys.

That's incredible. Very well done. Very, very well done. All right. You pay off one hundred and seventy two thousand after listening to a podcast in 27 months.

What else did you do to get out of debt? And what are the keys for the listener out there that this is maybe they're in a car trap listening to this podcast and they're going, hey, these people paid off one hundred seventy two thousand. Tell them how you did it.

Yeah, the first thing we did was we sold a car we didn't need. We got on the every dollar plus app, which had been amazing, totally transformational for us. And we had a plan every single month. We had a plan. We would sit down on Saturday mornings together and we would decide where our money would go. We cut up the one credit card we had that we hardly even used. We refinanced our house. We took five jobs.

We increased our income through promotions. We did everything that we could to stay focused together. And before you knew it, we had paid it all off.

Hmm. That's power.

And I think, you know, the secret and we talked about partnership a little bit already, but for me, it was, you know, the promise to each other to always be in partnership, have patience with the process and to have positive cash flow. Dave?

Yeah, that always helps. Yeah. So you guys almost make this sound too easy. What was the hardest part?

We were talking about this a little bit. It was I don't want to act like it was easy, but once we put our mind to it, it wasn't that hard. So the thing that was somewhat challenging was from time to time, you know, we would get distracted and with things like, well, you know, maybe we should continue to have the retirement or maybe I want to go off on this business venture and do well-intentioned things with our money.

But it really wasn't the times that we would talk through those things and just bring ourselves back to the process here and just stay focused on this baby step, too. And so the challenge was just the endurance to stay focused for that long time.

You know, your story is really interesting in one respect, because listening to you, you're a very articulate, intelligent, you know, you're not people who just, you know, kowtow and follow any old thing.

But one of the biggest problems people have honestly out there is in me included, when it comes to something like this, as am I going to submit myself to the proven process and something somehow you two decided we're going to submit to this, we're going to do it. What do you attribute that to?

Where the partnership came up? That's where it came in. We looked at each other I every week and went, we're still committed to this. So any time there was a temptation or there was something that came in our way or, you know, Amazon tempted me to buy something else. I'd look at my. Can we go? No. We have dreams and plans and goals. And, you know, we want to give and we want to be, you know, wealthy along the way.

We want to teach our children, my children how to do the same. And I think that was a big motivator for us with our family and knowing the kind of legacy that we want to leave behind as well. Yeah, for sure.

So what you did was and this is the vernacular that we normally use, but this is exactly what the what you did. You practiced commitment every week you recommitted to commitment, and every week you got together and committed to commitment. And then over time, it became your way of being. So when these new ideas, these new temptations came your way, nope. We're not we're not going to do that. Right. And my guess is you also started practicing co parenting and you also started practicing calendaring.

Right. And eating and exercising. Is that fair to say? Yeah, that's pretty accurate, I guess.

Yeah. Yeah. I tell people all the time and I'm not being hyperbolic, but this changed everything for us. We were more driven in our careers, more driven and fitness and health, more driven and parenting. I mean, everything that we've done has been better because we've been locked in financially. Yeah, I'm Snowbowl in my business now that we're done doing this personally.

I'm so proud of you guys. Well done. It's got a copy of Chris Hogan's book for you every day. Millionaires. This definitely the next step in your journey, the next chapter in your story. Absolutely amazing. Very well done. Mike and Marianne Richmond, Virginia, one hundred seventy two thousand dollars paid off in twenty seven months, making 150 to 200 counted down. Let's share a debt free scream.

Three to one. Where? Wow, it is amazing, if you submit yourself to a proven thing, you're going to get those results.

And you said, why do we all push against that? I do. They submitted themselves to one another every week to also. And what a great practice to start them and tell you what, man and powerful. Well done. Their rock is absolute rock star. This is the Dave Ramsey Show. Our scripture, the day first, John, for one beloved, do not believe every spirit to test the spirits, to see whether they are from God.

For many false prophets have gone out into the world. Bread, Sugar said words can inspire, thoughts can provoke, but only action truly brings you closer to your dreams.

Yep. Otherwise you'd be called a dreamer.

No, I'm a dreamer. I've got to go do it, man.

There it is. Just you got, you know, when in doubt, bust something, bust into it. I mean, you just got to do it. All right. Let's move quickly to calls before John sings again.

Lindsay is with us in Phoenix, Arizona. Hi, Lindsey.

How are you? Good. How are you? Better than I deserve. What's up?

Well, I'm a single mom and I have a 50000 in savings. Wow. I guess I'm kind of stuck as in should I use that for a down payment on a home because my income isn't that high? Or if I should invest it, I guess I'm kind of just like what to do with it.

What's your income this year? It should be fifty two thousand a year, but I usually like the last whatever, six years. It's been like twenty six or less.

So why is it so high now.

I moved and I got a different job. Good for you.

Good for you. How many kids you got in what ages. I'm just one. And she thinks, oh good.

OK, so single. I'm making fifty two thousand dollars a year and in Phoenix, Arizona and you have fifty thousand dollars in cash. Where did you get fifty thousand in cash. I just I saved a life like I saved all my tax returns ever since I had my daughter and just I lived at home for about almost five years until recently when I moved to that house. And then how old are you? Just working really hard. I'm 29.

Okay. Yeah, you're you're. And that's impressive. Make it twenty five thousand bucks and you save fifty and that's a grind out.

Yeah, I know. I've always been like pretty much the favorite, but my daughter's father, he basically stole a lot of money from me and my credit score. So after all of that, I just really put my mind to it and say that my kids were up. Girl, you're a warrior.

That's what I'm talking about. Good for you. I'm proud of you. Well done. Very well done.

Well, what we teach our baby steps and baby step one is a thousand dollars to us to be debt free. Other than your home, you've done those two. Three is to have an emergency fund of three to six months of expenses. Are you free? Yeah, I mean, just my car payment. Oh, well, that would be a OK. How much do you how much do we owe on said car?

I think maybe a little less than 10000, I should be down in like a year now.

OK, so if you were going to follow our plan and do what we teach, which is obviously what I recommend and it's how I live and that's how I teach people live, you would pay off your car today. And you would take remaining the remaining 40000 dollars and we would set some of it aside as an emergency fund of three to six months of expenses, I'm going to call it twenty thousand dollars, OK, and so 30 of your 50 has been allocated to paying off the car and 20 of it's set aside.

So that's that leaves us 20000 dollars of still asking the question, what do we do with it? If I want to get. Ten on my car, I'm sorry, 10 on the car, 20 in the rainy day fund, leaving us 20 to do something else with. Right. OK. And right now, it's just a regular bank account. It doesn't have to be invested to be fancy. You are way ahead of people who make ten times more than you make.

Hmm. They can't save a nickel. You're amazing. So now what I would do if I were in your shoes is I would leave that 20000 in a separate bank account. I'm going to name that bank account house fund. And now that we don't have a car payment and we're going to live on a budget and we're going to only make twice as much as you ever made. I'm going to put money on top of that 20 in money on top of that.

Twenty in money on top of that 20.

And in two or three years, I'm going to buy a house with a really large down payment and I'm going to use that down payment money for that account. OK. Meanwhile, you never borrow money again when you do buy the house, you put it on a 15 year fixed where the payment is no more than a fourth of your take home pay. But I'm going to guess and say you're probably going to put down one hundred thousand dollars on a house.

And I know that's a lot like the thing is, I don't know how to do that. Let me help you out with that, OK?

You saved 50. You save 50000. Reinking 25 years. Now you make 52. I think you're going to say 100 really fast, right? I know. I still think you're going to save really. I think really, really, if you make twice what you used to make, it's just in your nature. You're a warrior and you're a saver. And you just you're incredible and I want you to do a budget with your six year old daughter, I want you to bring her into this and let her practice it.

And this this is how you're going to start to change this family. Unbias burgomaster house, baby girl. That's exactly right. And every week she's going to get to make the little change with you or whatever game you'll come up with.

But she's going to learn how awesome her mom is, what an absolute great mother and saver and planner and builder her mom is.

And she's going to learn what a strong, invested woman looks like. And you're going to she's going to walk alongside you. It's going to be a great journey for both of you. It is interesting to me in a culture that has completely gone ossified, where everybody spends all their time being a victim, everybody spends all their time looking for something to be offended by. I get this sweet little voice on the phone who is a stronger warrior than almost anybody out there listening.

And that woman's incredible.

Yes, she is.

And you and so unassuming, you would never think that Conan the Barbarian lives in her soul with a giant sword.

Right.

And it's just so sweet, man.

Oh, she looks at that baby girl every morning.

Well, we're going to do this. Yeah, right. She's got a big, big y 52 percent of single moms, but live below the poverty level, not her. Now, she doubled her income. She made a move. Yeah, she lived at home for a while, moved out, say, 50000 dollars. Listen, if you're out there and you had a tendency to whine after that call, you're done. Just shut up, Ðuro.

It's over now. You're whining is over now, baby.

Back in college, we called her the curve buster, right? Yeah. Yeah, we all got C's. Everyone's going to get moved except for you got a ninety seven. That's her.

Right. Except for the one who missed the curve up. Yeah, yeah, yeah. We're going to grade on a curve.

Oh well then there's, then there's Lindsay from Phoenix. Oh good for you. Way to go kiddo. So proud of you.

Well done. You know what's interesting is. The number of times people face.

Adversity, which is all of us sometimes, and most of us last year, and then the choice and it's a choice on how to react to it.

You choose, I'm going to wail and scream and wait on the Democrats to send me money. Yeah. I'm going to wail and scream about whatever Internet story I found, I'm going to find somebody that will because of that guy, whoever voted for that guy, tell me what whichever guy, whoever voted for them.

You're stark raving evil. Both of you. Both of you. That's right. And so you must be punished. You must be canceled. You must be killed. Or you know what I'm going to do?

I'm going to show you I'm going to live in rage and anger so that I poison myself. Hoping you die. Right. I'm going to I'm going to ruin all of my relationships and drive like an idiot and slam doors in my house and yell at my kids.

That'll show whoever's on the other end of that computer keyboard. It's just nonsense. Or you can be Lenzi. You can just start nickel and diming your way and say, I'm in charge of my life and a practice I've got I've got it. Nobody's the Lone Ranger is my common practice. Patience. I got to do it. Get on the back of the turtle. Great show, guys. Great show. That puts this hour of the day Ramsay's show in the books.

We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial piece, and that's the book daily with the Prince of Peace. Christ, Jesus. 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 as day money questions like how do I invest my money?

Where what is the debt snowball? Find out more. And Dave Ramsey, Dotcom, smart speaking, 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 Christy Wright Show, where Christy inspires you to break through your limitations and create the life you're proud to live. Hey, all, I'm Christy, 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 Christy 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 Christy Wright 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.