Live from the headquarters of Ramsey Solutions, broadcasting from the car rental studios, it's the Dave Ramsey Show where dad is dumb. Cash is king in the paid off home market, just taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. You jump in, we'll talk about your life in your money. Ken Coleman Ramsey personality is my co-host today here on the air.

Ken is host of The Ken Coleman Show, best selling author of the book, The Proximity Principle in Both and everything he does on Ken Coleman dot com.

They talk about he talks about your career, your job choice, getting a job and getting in and out of toxic.

Environments and deciding, hey, what do you do for your life, what are you going to do to earn money? And if so, if you're making career choices or money choices today, you've got questions about that. That's what we're here for.

Phone numbers of eight eight two five five two two five eight eight two five five two two five.

Craig is with us in Fargo, North Dakota. Hi, Craig. How are you? And awesome, thanks for taking my call, Dave. Sure. What's up? I'm just looking for a little guidance here. I am. Of an in depth, like a lot of people, you know, I've been a long time listener and I try and practice here what you preach here. And I you know, I'm about a hundred thousand dollars in debt.

And a. You know, I make close to hundred thousand a year, but, you know, not all that is guaranteed. Some of the other side hassles and commissions and all that single day, I am just trying to I mean, I have tried the baby steps and it just, you know, just need to learn how to give them advice, give that Gizelle intensity you always talk about. I mean, it's. Well, you know, Craig, what's keeping you even listening for a while and we talked about this last segment, what's keeping you from that Gizelle intensity?

I don't know, I mean, I guess and, you know, I guess I've been off about. You know, twelve thousand dollars in the last three months. Well, that's pretty good. Do I feel like I'm on the right track? But it's just I want to be better for my kids. Right. And show them. The holiday learned from the mistakes that I made in life, so they don't ever have to go through that. And these credit cards and unfortunately, I'm getting down on those, I think within the year, I hopefully have those taken care of, but.

I don't know, they just hired 12000 Fremont's 48000 dollars a year. That means you're 100 percent debt free in two years. If you stay on that exact track. OK. Have you figured that part out? I have I have, OK? You know, I've I've had a lot of so then the only question is and the only question is, once you figure that out, you say, OK, I'm will be debt free in two years.

Then the next question in my mind, if I'm you, is what can I do to get out of debt faster? And that means there's only two sides of the equation, outgoing income. What can I do to get my income up? Well, you're single dad, and you're already doing suicide. Hustle's maybe not a lot. I don't know. Maybe your Sotho still sucks. Maybe you need a new one. I don't know. Something to think about.

And then the the more fired up you get, the deeper you sacrifice. And the deeper you sacrifice, the faster you get out of debt and the only reason you would get that fired up and sacrifice even deeper is because you believe it's going to work and you've really got three good months of track record here. Does that not feel pretty good?

It feels great, David. You know, it's money is the reason why I got divorced. So that's kind of a hard subject of this. And unfortunately, I still get along with my ex-wife, and that's actually in a relationship better now that, you know, I was always putting money first and it was always, well, that's all behind you.

And you don't have to talk to talk to her about this. All you've got to do is say hundred thousand dollars and forty eight thousand dollars a year, which is four thousand dollars a month. And I won't kick those things, but that's all you got to do. Yes, you've got this heaviness over you, it's it's weird, you've done pretty darn good, I mean, 12 grand in three months. I mean, that's that's getting close to Gizelle if you think you can do more to really do that.

Yes, you really did that, I mean. I mean, yeah, I mean, I had some other, you know, side hassles coming in, right?

I'm talking about talk about if you really paid off 4000 dollars a month, three months in a row. Then there ought to be some excitement about that, and if there's not and there's not, because in talking to you just sounded like you weren't dialed in, you touched when you gave us those numbers, it changed the conversation.

He doesn't believe he can do this.

I think not something he's ashamed to do it because it beat up the last marriage. There you go. So I don't care about your marriage. It's over. It's in the rearview mirror. I'm sorry. Sorry you guys went through that. And I'm glad you're friends. Now, what would you do to kick this kick this dadgum debts? But, man, that's thought you said I wanted this for my kids. Double up your fist and punches bully in the mouth.

It's threatening your freakin family. It's time to get fired up and get after it like it matters and get that thing. Get the.

I want to hear it next time I talk to you, man. Only a warrior in your voice. I want to hear you mad at the bully. This thing coming. It kicked your marriages, but it's kicking your butt. You know, your tongue's dragging your tails, dragging everything else. So you need a pop thing in the head, man, you know, bloody its nose and you need to get fired up, man. You go knock somebody down.

That kind of thing is what we're looking for here, because in your voice, your numbers are much more successful than your voice tone and word choice. Yeah. Which both said My Dragon, I don't know if I can do this.

And it's cowhorn. That's what it sounded like. Exactly. And, you know, and instead your numbers are like Rocky, you know, your numbers were great. Your numbers were rudiment, which, by the way, Krick, when Dave asked you how you feel about it, that was the first time in the call where your tone changed and your pulse kind of increase. And I'll tell you what I'm going to prescribe for you. I think you need to to the extent that your kids understand it, if they're a little bit older, I tell them what you've done and how hard you're working and then and let them get in on it and let them see the commitment you're making.

And then I think you need some great peers around you. Yeah. That are going to get excited for you here.

Jump in, Ramsha Plus, I'm OK. I'll give you a one year subscription to it. Jump in there and go through the financial videos. But more most importantly, get on the ask a coach and most importantly, get in some of the communities, the virtual communities, and start sharing and get some people around you that are jasin. You man.

That's right. You need a little bit of a cattle prod that that coach just yells at change to get it.

Yeah. You know, yeah.

He needs to feel the affirmation of the sacrifice and right now, physically. So loan those numbers should be an attaboy to you.

And they don't seem time, party time. They don't think you ought to be going touchdown man. I just thought for three freakin touchdowns in a row, 4000, 4000, 4000. That's that's 12000 dollars in three months. That's pretty stinking good. Yes. You know, making one hundred grand. That's that, that's I mean, he's not he really is living on beans and rice budget to do that.

It's pretty close to the gazelle to me. Yes. I realize it. I just wanna hear it in your voice and I wanna hear it in your belief and hear that hope take root.

So, yeah. Hold on, Kelly. I'll pick up we'll get you signed up for M.G. Plus we're going to walk with you, brother. You can do this man. You can do it. Yes. 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 Zahner dotcom are called eight hundred three, five, six, 42, 82.

I can tell you it's better than receiving, it's giving, and that's why we're giving away cash. That's right. The Ramsey cash Christmas giveaway you can enter daily to increase your chances to win. We're giving away 500 dollars a week with a grand prize of 5000 dollars between now and Christmas.

So go to Dave Ramsey dotcom slash give-away, and you can save up to 80 plus percent on life changing gifts for your family, for your friends. You can give them something that will change their life. We have the week long Cyber Monday sale, and that means you can shop our best selling audiobooks and e-books starting in only eight dollars and get audio books for stuff like the Total Money Makeover or Ken Coleman's best seller, The Proximity Principle for just eight dollars.

The books are on sale for ten dollars. And so that's a great way to get stuff. And if you get if you jump on there now, we still got time to get it to you. Shipping shipping is working again so we can get it to you. You can have it under the tree. And of course, we're also giving away a free call with a financial coach with every order this week. That's our Cyber Monday special, among others.

So in order to win some free cash, get some bargains at Dave Ramsey Dotcom. If you want to head straight to the giveaway page as Dave Ramsey dotcom slash giveaway. Joel is with us in Topeka, Kansas. Hi, Joel. Welcome to The Dave Ramsey Show.

Hey, guys. How's it going? Great, man. What's up? Yes, I have a question for you. So I work a sales job right now. I'm going to school full time. My wife is going to say, OK, your phone is coming in and out.

You're going to get where we can hear you because we're just getting part of your line up here. Try it again. You said you're going to school full time and your wife's going to school full time and say that again.

Yes, sir. So I'm go to school full time once it's gone to school full time and I work full time to leave labor and fifty thousand dollars, and next year, the situation's kind of going to be changing. I'm going to leave my job and start going to school full time in person. And so we'll be losing a lot of our income by that. My wife will graduate and she'll be making about fifteen thousand dollars out the gate and currently we have forty four thousand dollars in assets.

So why are you leaving your job when you're this broke?

Or I'm going to school full time and you already were. Yes, I'll be going in person. OK, why are you going to school full time? What's the goal, as I'm passionate about I'm talking about finance, I want to work in investment banking in New York City. OK, but you broke.

And so we have 40. We have forty four thousand dollars in assets and twenty eight thousand dollars in debt. OK, so. Did you say your wife is going to make 15000 dollars when she gets out of school or 50? Yes, 15 times. How old are you to. I'm twenty two and she's twenty one. OK, so you're in a traditional college situation. I think you're going to be working while you're in school. Because you can't make it on so.

Yes, I agree with you. So my question specifically is we've been able to save, like, a lot of money. So I to go, like saving fifty thousand dollars for this next upcoming year, I won't be working. And I I've just been doing that over the last six months and I just didn't know if I should be doing that or paying off the debt.

I don't need to worry about debt right now. You need to pile up cash and get through the school, get these these periods of time with school only when you've got excess money later we knock US debt out all this debt, student loans, and it's just going to sit there until you get out. Right. Yes, sir. So goal one is to add no more debt, and that does mean and you said right after I said you're going to need to be working while you're in school, you said next year when I quit.

And so you don't need to quit. Yeah. You know, you're going to have to work doing something and earn an income of some kind when your wife's making 15. You guys can't eat on that. And you can't. Cash-Flow, the balance of your school on that. And so pile up as much cash as you can pile up and plan on working.

Let me just tell you, the vast majority of people with college degrees worked while they were in school.

The vast majority of us did. And so you can do that and graduate. It's an amazing thing.

There's no positive trade off here for you to know in person. You're already going on person.

I'm fine. If you want go in person, that's fine. Go in person. But keep working.

What he was saying is he's online right now, you know, so he's going, well, I'm going to go in person. I have to quit. No, you don't have to go online. You don't quit and you can go in person and work.

That's true, too. That's what I was talking. Oh yeah. I got you. Yeah. Don't stop working. Yeah, I did. I work 40 to 60 hours a week and graduate in four years. I worked all the time. I mean when you have a good life, I had a great life. I mean, student loans. It's you know, it's amazing. How do I 3400 dollars in student loans. But I mean, there's nothing.

Yeah. And of course back then there's a lot of money. But anyway.

Derickson, Harrisburg, Pennsylvania. Hi, Derek. How are you? Good, hi, dad, thanks for taking my call. Sure. So I'm a 21 year old college student and I'm going for an education degree. I'm going to be about 100000 hundred thousand hundred and fifteen thousand dollars in student loan debt when I graduate. And I'm just wondering what steps I can take whenever I'm getting ready for the next big step in my life.

Mm hmm. So what are you going to teach?

I want to teach something in pre-K to fourth grade. Are you qualified to teach other grades when you get the degree that you're lined up for? I will be qualified to teach pre-K through four, but then I'll also be qualified to teach special education in pre-K through eight. What pays the most because you need money? Special education probably pays a little bit more, but probably not much.

You know, my experience is the lesser grades like that, the pre-K through four doesn't pay as well as, say, a high school teacher. Am I right? Yes. So at what point are you and your education can you add? Thanks to your transcript, they're going to allow you to maybe teach in high school. So I'd graduate in December of 20, 21 now, so I can take I can take one class and add on special education, high school, but nothing that I can do for general education, for high school.

We'll take the class because you need options. Right. And I'm not saying this is your career path forever, but you ask how to get out of 100000 hours worth of debt and the answer is make money. And the more money you make, the faster you'll get out. And so you obviously have a heart for small children. And that's amazing and wonderful. And I would love to have you teaching in that when you get this cleaned up. But if especially at high school pays double, then you need to go do that for a couple of years and get your mess cleaned up.

OK, and then go and step into the other, or if you can find some way that that K through four or K through four plus a tutoring business that you start on the side or something else, I want to put throw some caution out here, because you're going to start running these numbers and you need to do the research here and you need to understand that there's a trap where you say, OK, if I want to make more money, Dave said, I need to make more money.

Well, now I'm going to have to get a grad degree to be able to get a better salary. The median income in the United States is as a median and average for special ed is 61000 words, 59 for that elementary. But it can go as high as 98000 if you're if you've got those grad degrees. But that's a trap, Dave, that I hear a lot of callers on the Ken Coleman show call and go all out, make it more money.

No, you just went into more debt. Don't don't fall for that. I think he's got to get into the online tutoring. The world's changed in 2020. I've got some good friends, D.C. I've got a good friend in Atlanta, lived in they were neighbors, really good friends. And they got out of debt because she began to teach. She was a Spanish teacher on the public school high school level and then started teaching online and made serious bank, you know, as a side hustle, online tutoring, online tutoring.

So he's got the chops. He's got the qualifications. I would look for all of the side hustles that I could look for or I'm OK with the day job until I get to the dream job.

I'm going to throw that out there. So really, what you're saying is, is the difference to special ed and pre-K was not something that's two dollars not worth it.

So do go live. Go, go take the job that you love and smile about every day, but plan on generating an extra income with online tutoring idea. Yes. Or something like that. And also plan on living on nothing. And don't you don't get to buy a car. No. And you know, you're going to be sitting on a used couch. Yeah. You've got a garage sale for one hundred dollars from the rich end of town and it was six thousand dollars one.

That rich lady bought it. It's still a good couch, but that's what you're going to be sitting on live like a college student and clean your mess up. This is the Dave Ramsey Show. Josh and Ali are with us from Pittsburgh, it says on my screen, you guys are debt free. Congratulations. Thank you. Well done.

Well done. How much did you pay off?

We paid off two hundred eighteen thousand two hundred seventy nine dollars. Goodness gracious. How long did that take? Eighteen months. Oh, OK.

And your range of income during that time. So we started around two hundred and thirty thousand and we ended up 310.

Oh there's the answer to that math problem. OK. So what in the world do you two do for a living. You're clé in it. I'm in public affairs and I'm an attorney.

Oh ok both of you. OK two great incomes then. Yeah. Wonderful way to go you guys.

So two hundred and eighteen thousand with an attorney.

Do I smell law school debt.

You may just about a little over two hundred thousand of that is student loan debt.

Oh wow. So was almost all debt student loan debt then. And just a little bit other miscellaneous. So how long have you guys been married. A little bit of a boat and then some medical.

OK, how long you been married? Well, about 18 months ago we got married.

OK, so you've been that was your first order of business then when you got married, we got to clean this mess up.

Yes, we got married. Well, actually, when we were dating, we started talking about finances. We'd both been single for the better part of our 20s and kind of had a really serious discussion on how we approach finances. And Josh told me how much debt he had. And I was like, why? And so we we agree.

And he went back out with him again. What do you say after I told you how much debt he had, you went out on another date with him?

Well, at that point, he kind of had me and he had the hook set. All right. So we exchanged books.

I gave him your book. He gave me rich dad, poor dad. And I wasn't going to read it because I knew it was Dave's way or no way. Oh, and he read your book and he came back to me and said, you know, I don't care what plane or on, just that we're on the same plane. Oh, good answer.

Good answer. All right. So we get married, combine these two fabulous incomes, and you're to obviously goal oriented people. So this just became the new goal. Am I missing something now?

I think that's exactly right. We got engaged a few months after that conversation and we actually did a few as part of our, like, premarital counseling and then got when we got married, it was then just a little metal and. Yep. Got after.

And I got to ask Josh now, she refused to read your book. You were really mature and understand the key to a happy marriage is Happy Wife, Happy Life. So you read Dave's book and did it. You're just like, OK, whatever. I just want to be on the same page now on the other side of this thing. How do you feel about Dave's plan?

I mean, after all, it wasn't just that we want to be on the same plan. I mean, I saw a lot of simplicity. And while the baby steps and also just a lot of how you include what God says about it, money and everything, which really spoke to me cool. So I think I saw both of those things. And actually, I think in it in hindsight for her, I think I actually went a little crazier about it than she did.

So she may have regretted it a little bit.

Oh, yeah. Look what you got started here.

Yeah. Well, congratulations, you guys. All all kidding. And all aside, you're pretty impressive. This is amazing. You must feel really accomplished. Yeah, I think so. I mean, it just it's hard to believe when you start if you're in the trenches and you're like, I don't really see where we're going to get to an end here. And coming on the other side of it, it's like, oh, we could do anything for 18 months.

Yeah, there you go. I love it.

What did you specifically do to move up from 230 K to 310 was just more cases. I'm just curious. Well, it's actually Holly got a promotion in the middle of it. Oh, that was a significant increase in our income. So, OK, I got a minor promotion, but hers was the major portion of that, so. Yeah.

Wow, way to go. You guys are heroes. I'm so proud of you. Who were your biggest cheerleaders outside the two of you?

We had some friends that were doing that had done your plan. Adam and Clare Kenard spacing out like Jannati Lorelai and then actually towards the end of the journey we let in a few class and it was just so rewarding to walk alongside folks who were just starting the journey and being kind of towards the end of ours. It really makes you have to be accountable to the to the plan. And they were also big cheerleaders, the folks that took the class.

So what do you tell people?

The key to getting out of that is you did it, your professionals.

So I think for for me anyway, I think it's you got to stick to the plan. You've got to know why you're doing it. If you overspend on something, don't give up. Just stick with it. We also communicated so much. It wasn't just a monthly budget meeting. It was we always were communicating about expenses. It was really tough, you know, getting married in our 30s and being single for so long and having our own kind of separate budgets that once we combined our income, the sort of tough I was kind of used to spending money when I wanted to, being able to get that single girl swag whenever I wanted to shop.

And it was tough kind of being accountable to one another, but I think that was just a huge key to it. And I think also for me, it was like definitely having grace with yourself. I think there was a lot of times where, like you said, we're very goal oriented and you're not always going to hate every single goal that you set. And I think we would get tripped up by like ten or fifteen dollars. We get into fights every ten or fifteen dollars.

It was like misspend or something like that. You have to have a lot of grace with each other and be willing to figure those things out, which actually then the other thing would also be generosity. I think just for us also, like we always felt very called to continue to give and you'd always be doing your budget meeting and you always look at the giving section. You do like, oh, maybe this month we could cut some of that back and we could cut more into the debt or something like that.

But we never did. And then I was just so grateful with us with like giving Holly's job promotion. And I mean, when we started this journey, we thought it'd be a two year thing rather than an 18 month thing. And he just showed us how much he can do. I mean, we're just following what his plan is as opposed to what we always want to do. So, hey, man.

Well done, you guys. Well done, man.

That's amazing numbers. Very, very impressive. Well, we've got a copy of Chris Hogan's book for you Everyday Millionaires. That's definitely the next chapter in your story. This is not over.

It's just you just turn the page and hit another chapter now to keep going and a little less and a little less intensity, but with the same intentionality. And you're going through your other baby steps now and, you know, be in great shape. Just extremely well done. You guys were so, so proud of you.

All right. It's Josh and Holly in Pittsburgh. Two hundred and eighteen thousand paid off in eighteen months, making 230 to 310 countdown.

Let's hear a debt free scream three to one. We're not free.

Yeah, well done. Well done. Well done. Oh, that's fabulous.

Speaking of generosity, and he said generosity was a key part of their process. We always do for Christmas a our annual giving show where we do a three hours of this show on giving.

It consists of you calling in and talking about the time that you gave a gift that was meaningful and transformative and impressive and those kinds of things all the time.

Even that you received a gift from someone.

We want giving stories, great. Giving stories. And this is one of our listening audience's favorite shows to do this giving show every year.

So what do you do?

You go to Dave Ramsey dot com and you do Kelly, do you want them to email them or do you want them to go on the website?

OK, email to Dave on air at Dave Ramsey dot com and Kelly, I'll pick those up giving stories in the subject line a little bit about the story in your e-mail. She'll get back in touch with you, learn more about it and schedule your call. We don't tell you what to say or not say. We don't edit this or anything like that. This is just a matter of we're lining up the callers so that we've got a solid three hours of giving stories or receiving stories.

But it's all about generosity. So it's our annual generosity show that we always do around Christmas time. And Kelly, setting all that up email at Dave on air at Dave Ramsey dot com, Dave on air at Dave Ramsey Dotcom. This is The Dave Ramsey Show. Coleman Ramsey, personality host of the Ken Coleman Show, where we talk about careers, jobs, getting in the sweet spot for making money and doing something you love, all of that is with me this hour, this day as my co-host.

And we're taking your calls about your life, your money and your careers.

Eight eight two five five two two five.

Antonio is with us in San Francisco. Hi, Antonio. How are you? Thanks for taking my call, guys. Sure, what's up? All right, so my question is getting a Christmas bonus and I'm going to baby step number two and I want to know what I should do with the bonus. I basically have twenty five K left to pay off for my last debt, which is a credit card, but I'm also in a lease, so I'm wondering if I should use that Christmas bonus, a big chunk of the last debt or if I should buy a car and get out of the lease.

Mm hmm. I get how much is left on the leash. Belief, it's kind of like a flexible lease, Dave, so I can get out of it whenever I want, I'm paying three seventy a month. And so how much money can't buy it up. So how much is your Christmas bonus?

It's going to be around 10K, so I'll probably see like seven Cavitt net so you can buy 7000 Honokaa. It's not my idea. I'm driving a nicer car, isn't that right now? But, you know, it could happen. Well, it's kind of pointless if you go into debt after getting out of the lease, isn't it? That that's the point there. Yeah, so it's a seven thousand dollar car, unless I missed something that I missed something.

No, you didn't. OK, so, I mean, you know. If you will buy a 7000 dollar or less car with cash and get rid of your flexible lease, yes, I would do that. If you're going to use part of that advice and use it as justification to go into debt to buy a car.

No, I wouldn't do that. What's your payoff date on the 25000 in credit cards? When were you planning to get that done?

That's sometime early next year. OK, so you're making good money, you're making good money. What do you make? I make 150 Kagura did. Yeah.

So if he buys a seven thousand dollar car and you take the 370 bucks a month, you been paying on the lease and add that to your already existing debt snowball, you're going to get through there a lot quicker.

Yeah. So you're going to be out of debt early next year and then by summer you're going to move up in car with cash. Am I missing something there? No, we're not driving a 7000. Yeah, you're going drive a 7000 a car for six months. Yeah. And then you'll buy seventeen thousand dollar car by adding 10 to it. Yes, easily, right. Yeah, so, I mean, my concern was like I was thinking that if I if I put that seven thousand dollars towards the twenty five thousand dollar credit card bill and then just keep my snowball going, as is that I could get out of it that way as well.

You can and you can keep driving the police car. But at the end of the at the end of the 25000 credit card that you've still got to turn the lease car in and you still got to come up with some money to buy a car. Yeah, that's right. So you might as well go ahead and do it and be done with it and then just say, all right, I got to drive the 7000 other piece of crap, which is compared to what you're driving is a piece of crap.

It's not really a bad car, but watch what you're doing. You can get a lot of car for seven grand. But it's it's it's my six month car.

Be sure and take pictures because you'll forget you owned it later.

You know, unless you need to be able to tell your grandkids, you know, back in the year 2020 where the pandemic got me a seven, Kargman all turned around. I became a multimillionaire.

I don't think people realize, Dave, how decent of a car you can get for seven thousand dollars.

Yeah, I'm telling you, go on to trader dot com or any of these websites. You just look just look. Well, the thing you have to.

Yeah, that's what I would do in your case, Antônio. But to your point, Ken, you're exactly right. The trick is when you're buying and a car in a situation like this, you are not buying a car for fun. You are not buying it for sex appeal. You are not buying it because it makes you the cool kid, because you don't get those for ten grand and under. But can you get very reliable in really good shape?

Transportation. Absolutely. For seven grand you dadgum right. You can all over. I mean there's enough Toyota Camry's on the planet that are seven thousand dollars that have ten years of life left in them or Honda Accords that have ten years of life left in them.

Let me tell you what you taught me that I've done over the years when Stacey and I got out of debt, when she worked for you years and years ago, I did the old Dave Ramsey, where I actually took seven thousand dollars in a hundred dollar bills. And you go to a car lot for seven thousand and go, hey, I'll give you six thousand and put it on the hood of the car and watch how quickly he takes the day.

Yeah, yeah. Forget that.

Or you buy it off of Craigslist, you know, from some guy who needs to sell it because he's in debt.

Facebook marketplace. People are selling person to person transactions all the time. They'll really respond to the cash. Yeah. Because you know what they want? They want a headache free transaction. Yeah. They don't want to cash you. They get all worried about all this because you walk up to somebody with six grand in one hundred dollar bills when you lay cash on the table it says done deal.

They will take it. It's no hassle. I don't to worry about being scammed unless this is counterfeit Benjamins. It's a done deal. Right. And it says instantly it says done deal. It doesn't say I have to check with my banker or my mama. It's got Benjamin smiling at you. Done deal. And you can get the cash discount for that.

And there's a cash discount that goes with having the the moxie to do that with a little flair. I've never told you the story. OK, I'm proud because you taught me. Oh, I did this in a non-traditional situation. I bought it when big screen TVs were a big deal. Since I've been married two years, this was a huge deal for me to get a big screen TV. We were living baby steps were out of debt. We were looking and I walked in and I and it was a well-known chain and I looked at the sticker price on that TV.

I asked the guy for his business card, some young sales guy. He gave me his business card and I turned it over and wrote the amount of money that I was going to pay for that in cash. Right now I've got it in my pocket.

This is what I'll give you for the TV. I handed that guy and I said, I'm going to keep looking around the store. You know where to find me. That's what I'll buy this TV for today. And it was it was about a thousand dollars difference. So and I was playing a character that I had concocted in my head. You never told me to do it that way.

But I was I was, you know, wrote it on the back of my business card. That guy's business card. Oh, yeah. Yeah.

I didn't have a business card with me in the store anyway.

I got it.

He chased you down later. It was cash and it was walk away power. I thought I was no again. You never said to do it that way. I don't want these people to think that Dave said that in some less. You did. But I was kind of doing my early on and I. What do I have to lose if he thinks I'm a lunatic? Fine. Yeah, I didn't want to pay that for the TV walking out dollars of my personal cash and the walk away power.

I got to tell you, I've only done that once, so I wouldn't recommend that to everybody. But, you know, you never know. Yeah, before I was Dave Ramsey, I could get away with that stuff. Now I get now I get the I get the Sodhi. Well, first of all, you don't go into stores and buy stuff. Right. That's true.

Thank you very much. Come on. All right. That's right. I would actually like to see that the old. Well, I mean, can you imagine, though, that, you know. Yeah, it's just. Yeah.

What if we did like that?

What's that show where the boss, the undercover boss, we need to undercover buyer and it's you have to get a wig, a wig and we'd have to give you a full dark beard, no glasses and then watch you go in and do it.

That it might be a good show.

That would be, that would be coming soon to Ramsey Solutions Productions making stuff up now. There'd be there'd be time consuming.

You would hate it. It would he would never do it in a million years. That's why I said it in a million years. You wouldn't do that. But it would be fun. But the yeah. It is a good thing to remember. And here's the thing, too, for those of us like Antônio and me and you that are lovers of cars, we love cars and love I love the older the I enjoy a car while you like the new fast ones.

I don't mind.

No one goes, yeah, I don't make them like they used to thank God.

But the but but the anyway the you know when you enjoy a car and you enjoy, you know, something that's a little different like he's got probably there, he's got a car he really likes, you know, the thing that you when you step down out of that into that seven thousand on a car, the thing that I always have to remember and I always want you guys out there to always remember is it's just for a little while.

That's right. Six months. That's what you won't even remember when you're twenty seven years old. Six months. You know, when you're thirty seven, you won't even remember having owned that car.

If you don't take pictures of it, you'll regret it, because I would love to have some pictures of the cars that we owned early in our marriage. And I didn't keep me too because I wish I had a full catalog of every car I've ever owned in or, you know, in a picture file.

Well, you know how you tell people the grass feels different. Yeah. So does that car. Yeah. That you buy cash that you love that drives. Seems like it's a little louder. A little faster.

Yeah. It's a little more fun. Yeah. No question about it. I like it.

All right. Good stuff that puts us our that Abrahamsson show on the books. Our thanks to James Childs, our producer, Kelley Daniels, our associate producer and phone screener. I am Dave Ramsey. Your host will be back before, you know. 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.

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