Live from the headquarters of Ramsey Solutions, broadcasting from the Our Car Rental Studios. It's the Dave Ramsey Show Fanatism 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. Thank you for joining us. Open phones at triple eight eight two five five two two five. That's triple eight eight to five five two two five.

It's common sense for your dollars and cents. Andrea starts off this hour in Tallahassee, Florida. Hey, Andrea, how are you? Hey, how's it going, Dave? Better than I deserve. What's up in your world? All right, so 20 years old and growing calls in about a year, and the graduate with no debt, just pretty awesome.

Good for you. How'd you do that? Well, I've been working two jobs here and there, and also, unfortunately, my parents have helped me very good.

So it's not ending there because I'm planning on going to medical school in the near future and that's going to be probably two hundred or three hundred thousand dollars. So my question is, what can I do today to minimize the effect on my financial future? Mm hmm. It's a really good question.

Well, what you did, whether you did it on purpose or set it out loud or not to get where you are was you said, OK, here's what school costs.

The particular school that you are in. What are you at Florida or where are you?

Yeah, Florida. OK, so you're so I'm going to go to Florida and here's what Florida costs and here's what the books cost and here's how much money mom and dad can put in and here's how much I can work. And you said, OK, here's here's a target. And it's a target that I can hit and here's the steps it takes to hit that target, right? Hmm, that's what you did, I don't know how intentional or how out loud or whether you had spreadsheets or whether you just did it in your head or how you did it.

But the end of the day, in order to accomplish graduating from the University of Florida, one hundred percent debt free, that is not an accidental act. You did intentional steps, agreed? Yes. OK, let's do the same thing with med school. No one med school is unbelievably, there is an unbelievably wide spectrum of cost based on where you go.

So 300000 in one place, maybe 150 another police. Why are you live on campus where you live off campus, whether you're what city are you in, how expensive is that city?

A lot of variables that go into the cost here. And it's not like there's only one price for med school and it's always 300 grand. That is not true. Follow me. Just like there's always there's more than one price for a four year degree when you live in the state of Florida. I mean, you chose the University of Florida and.

Fine choice, but I mean, you could have chosen to go to Vanderbilt here in Nashville and paid eight times more than you paid. For the same four year degree, by the way. Correct. OK. You didn't do that, so that's my point, we're going to choose something is more affordable since we're broke, because I got to tell you, I've gone to a lot of doctors and I never once asked where they went to school. I just said, can you fix this?

Right. Yeah, and that's all I want to know, can you fix this? And they go, well, I can't, but I know a guy that went to so-and-so and he went to this school and he can fix it. Okay, good. Well, let's go over there. But I won't start the conversation with doctors and lawyers on where you went to school. And I've hired a bunch of them over the years, I'm old, I've had both lawyers and doctors in my life, God help me.

But so that's the thing, right? So the point is there's very little value on where you go to school unless you're going into a very specialized type of medicine or you're going into some kind of research. Are you going to something where the prestige crap matters? What really matters is can you learn to fix humans? And be a and that's the thing, so I'm going to go shopping if I'm you and I'm going to become an expert on every med school in the U.S. and what they cost.

And then I'm going to target in on the bottom five or 10 percent of those and do that. That's thing.

One thing, too, is I'm going to investigate the medical industry, the hospital corporations that are out there that desperately want young docs and try to find out what programs they have got, where they are willing to pay for you to become a doctor. Oh, but you promised to work there for a few years for them after you get out. That'll do it. No. To military has the same exact program. They'll pay for you to be a doc and then you work for the military for a few years after you get out and it's a very set specific program, you know what you're signing up for.

And it's way the crap, cheaper than 350000 dollars in student loan debt.

OK. Number four, there's a thing called an M.D. Ph.D. program. Very hard to get into. But if your grades are great and you're an excellent citizen, you stand a chance. People do actually get in there and talk to a guy last week in the MD PhD program. What this is, is you actually go to work for the university teaching classes at the university while you're in med school as an employee of the university, a very special employee of the university.

You go to med school free. Now, that's the sweetest deal I gave you on the list, but very hard to get into. There's not a whole bunch of those out there. There's not a whole bunch of candidates that are accepted. But, dude, if you can land one of those, that's the gold standard right there on med school for free and.

It will change your career if you can go to med school debt free. Because you'll make different choices about the type of medicine you study, you'll make different choices on who you go to work for, you'll make different choices on the crap you have to put up with all these companies in order to eat and pay your bills. And I just I don't want you all tied up in that stuff. I think you're too smart.

So the point being, is it easy to go to med school debt free? Absolutely not. I used to go to University of Florida debt free. But you did it. All your friends are lazing around the dorm, getting a degree in beer pong, and they got 45000 hours of student loan debt. And they're just happy to be a gator, you know, I mean, that's it. Come on, seriously, this is the problem, isn't it?

But all you did was you got focused and intentional and you turned it around and you said, I'm going to be different and I want you to do the exact same paradigm, the exact same mindset for this. Hold on. I'll have Kelly pick up.

I'm going to give you a copy of Anthony O'Neill's book, Debt Free Degree. It's really designed for undergraduates coming out, our high school graduates coming out, going into undergrad, teaching people to do how to do what you just did. But there's also some good thoughts and some good promises in there. Things to follow through on, like I just gave you on how to do even a grad school work that free without getting all tied up in it. So I thank you for calling in, brother.

Guys, the student loan. Problem is not an education problem. It's not an education problem. No one can afford to get an education in America today. Just not true. That's not a true statement. You can go to an end state school, live in your parents house, eat your mom's food, come home at lunch, not baloney sandwich. Go back to class and pay in-state tuition and work a job. And you can work your way through just like he did with a little help from mom and dad.

And you can get an undergraduate degree in America today with zero student loan debt. But the first thing that has to happen is you have to stop assuming the student loan. That is the only way to get a degree. So get up off your resumes and go do something about this. This is the Dave Ramsey Show. Around here, we're always looking for ways to save money. That's why I am a huge fan of Honey. Honey is a free online shopping tool that automatically finds the best promo codes and applies them to your cart.

You never have to open a tab to search for a discount again. Money has found it's over 18 million members, over two billion dollars in savings. Add honey on your browser today for free at joint honey dot com slash Ramsey. Thank you for joining us. American Nikola's in Chicago, welcome to The Dave Ramsey Show, Nicole. Hi, how are you?

Better than I deserve. How can I help?

Yes, I am 38. I live with my mom. And I just wanted to know. I know you keep the boomerang or adult kids living at home. I do pay half the rent, half the utilities. I just wanted to know, should I keep doing that until my school loans are paid or should I move out, which would probably double the time. Hmm, what do you make? I think fifty five thousand a year and my school loans are sixty three right now, but by the end of the year it would be fifty seven left.

And I'm I just read your book, The Complete Guide to Money. I've been doing everything wrong, so I'm trying to fix it. I do have an emergency fund to pay off all my credit cards. I cut them up. I'm only trying to pay cash. I did the do the monthly budget. And I just if I stay continue to stay here, I could pay off the student loan in a year and a half, no longer than two.

But I am also helping my mom, like I said, pay the utilities. I haven't lived her. You know, I did leave on my own once with my ex. It didn't work out. So I came back home. I did the right thing. But I just want to know my plan is to I never had a plan before and now I do. And my plan is to if I can stay here for I give myself a three year plan a year and a half to pay off my school loans and then a year and a half to save up for a home.

OK, or what do you what do you do for living? Finance. Finance. OK, and in what regard, what kind of finance? Panel. OK, good, good. All right, well, here have been moving up in in my field as well. Good, good, good for you.

Well, what I love about your whole story is, is that you now have a plan and that you're executing a plan.

And so you got to have enough of the story to know, you know, how to look at your situation, so the way I answer questions on the show is what I do if I woke up in your shoes or and in your case, I've got my oldest daughter's just slightly younger than you.

If if it was her I was talking to, what would I tell her? OK. And so that's a combination, in other words, of financial advice and dad advice.

Does that make sense? Yes. And then you can decide whether you want to take any of it or not because you're a grown woman, you get to decide these things, OK?

But so my. Concern is that I think you'll have a high overall and I think you would agree with this five to 10 years from today, we're used to five to 10 years out where you're still living there. That would indicate that emotionally you had some work to do.

You need to get out and be a grown person. Would you agree with that? Yes. OK, so that's not your goal and that's not your plan, but that's the that's the overarching concern in this, is that you get out there and go be who God made you to be and you square your shoulders and you fight the rain and sleet and the snow and you put your face in the sunshine and you have this wonderful thing called a life. And that's what I want you to do as your friend.

OK, now, can we delay that shortly in order to hit some financial goals and make when you step out a little bit better?

Yeah, that's fine. Personally, I'd probably land somewhere a little bit. I'd probably land a little bit.

I'd make a couple of modifications to your plan modification. No one is. I would pick up some extra jobs doing bookkeeping on the side. And let's increase your income ten or fifteen thousand dollars and let's speed this up. Modification number two is I would not stay there until you got a down payment. I might stay there, but you got to stay in London.

So 18 months, 18 months must be done, 12 to 18 months. Let's be out of there, get you an apartment and then save up for a house while you're in an apartment and get get get your life back going again. And you've got this other relationship behind you emotionally. You're moving on to the next chapter that the page turns and the book of life for Nicole. And you move on to the next thing in Mom's home was a blessing.

In the interim, you were a blessing to her because you picked up some of her cos it was a safe place emotionally to sit while you healed and and knocked out some of these financial things you discovered planning for your finances while you were there. So that's a good thing that happened while you were there. So I think all of that sounds great, but I'm probably going to say 12 to 18 months you're debt free because you're working an extra job and you're out of there.

That makes sense.

Yes. And one quick question after that. Sorry. Sure. No trouble. So right after this is paid off, should I save up the three to six months emergency fund prior to me moving out of or after I move?

I don't care something. OK, obviously you got to have someone when you move out, but you don't have to be all the way out and you don't even have to be all the way on the student loan for your move. I don't care. But you're just wanting to you're wanting to use the financial traction of no rent to speed this up. Correct. And I'm and I'm I'm just giving you a nod and say, OK, cool, but let's do it fast.

OK, and so anywhere I mean, if you still had 5000 dollars worth of student loan debt and you save up a couple of ground to cover some of your deposits and you go ahead and move out because it works out, better to do that because you're making Keiller money on the side all of a sudden is this bookkeeping thing. You start on the side I told you about took off or, you know, you might want to go early.

I don't care. I'm not saying you got to stay there. You're just saying you'd like to stay there to speed this up.

And I'm going to stay there the least time that we can accomplish that goal in air quotes if I'm in your shoes, because I think what's going to happen is, is you're going to have a different sense of dignity when you get power over this money thing that you've not had a different sense of power in your life that you've not had because you've got power over money.

You get power of a lot of stuff. And instead of it wagan you you get to it. And that's a different thing. And so I'm excited about where you are. Very, very well done. Zauner, to speak with you.

Thanks for calling in open phones at eight eight two five five two two five. You jump in, we'll talk about your life and your money. Tyler is in Sacramento.

Hi, Tyler. Welcome to the Dave Ramsey Show. Hi, Dave. Thanks for taking my call. Sure. What's up? So I am in a weird place with my wife and I. We have a three year old daughter and we're about twenty one months before she goes to kindergarten. And I'm trying to decide whether or not it's a smart decision for us to leave California. Things are very expensive here. We are not getting any happier. I guess you could say we have a lot of quality of life issues right now, as I'm sure many people from California have.

And we are looking to move and move to a different place, maybe towards your area, Nashville area in Tennessee or in Idaho? I have family in Idaho, but I know that if we do that, we're going to take major pay cuts. And both my wife and I make really good money and I'm just looking for some advice. What do you make? I make one hundred and fifty thousand dollars. Doing what? Finance. What are you do in finance?

I run operations in the hospital. So you don't think ops managers at hospitals make six figures in Tennessee? Of course I know that. I know that they do. But my wife, my wife also makes six figures and she works in education and she would take a major pay cut, I believe, what type of education she is.

She worked at the Department of Education. She does professional development for teachers. Oh, for the state.

For the county, the county, OK, yeah, she'd take a pay cut. Yeah, I don't know how much, but, you know, unless you went private somewhere, but she's not going to go government to government and make that kind of money in these other states you're talking about.

So you might go from, what, 300, 200? Yeah, we're about we're about 150. I thought you said you were about 150. We're about 250. I'm sorry.

Yeah, OK, so you go from 250 down to probably 100 or 150, right? Well, no, you wouldn't go to 100 between the two of you. Go to 150. Yeah.

I mean, you're going to have a serious cost living change because of real estate costs. If nothing else, other costs aren't. That's in tax savings. I mean, a lot of these states have zero income tax compared to yours. I think you're miserable and I think you're leaving and you're just going to adjust your careers and figure it out, spend some time shopping on careers and then figure out which state you're going to. But I think I heard you already say you're leaving.

You just got to come to grips with what you're going to make. This is The Dave Ramsey Show. John and Cassandra are with us there in Tucson, Arizona. Hey, guys, I see on my screen your debt free. Congratulations. Thank you. We're so excited.

Oh, we're excited for you. How much did you pay off?

Fifty thousand dollars and twenty one months.

Where to go and your range of income during that two years with all of the contact jobs and side gigs and our normal jobs, we stayed about eighty four thousand. Cool. What do you do for a living? John is an executive chef for a nonprofit and I'm the community food coordinator for that same nonprofit. Wow.

What was the what was the best side gigs you guys had? He wrote a book and then he's a contractor for a company here. OK, very cool. Good. Good.

What kind of debt was the 50000 cars and medical and credit cards. Credit cards.

Bulu how long you guys been married.

13 years last week.

All right, so what gave you the wake up call after, what, 11 years and some change of marriage?

You know, we took your class in 2016 and then paid off some debt and then fell off that bandwagon. And then in twenty eighteen, I started working here at this nonprofit that has a second chance program for like people coming out of jail or prison and needing that second chance. So I teach your high school addition to them. Wow. Also it kind of, you know, I teach that four times a year here, so it kind of kept us on track.

Well, yeah, I kind of convicted you.

You can't may ask them to do stuff you're not doing.

Yeah, exactly. Yeah.

So now it's hard to be a teacher teaching something and not doing it. It's it's so inconsistent. We always gravitate towards smart when we do that. I love it. Way to go.

Yeah. So you kind of got fired up again, teaching them the light bulbs going on over their head when you're teaching it. And you said, OK, this is for us too. Yes.

So we just hustled and we put, you know, all of our money towards the debt, you know, and people would laugh at us and say silly things. And you're always going to have that car payment. And it's like, no, we're not always going to have that car payment.

Right. Always is a long time. Yes. Yes. I don't like always, but when it comes to car payments.

OK, now where to go, you guys? Way to go. So what do you tell people? The secret to getting out of debt is now that you've done it, I'm just, you know, stick to it.

You know, you can have that financial freedom and, you know, just budget. You know, the budget is everything, you know, and you're going to have a bad month, you know. You know, we still have bad months and we always tweak that budget. But just it works. I have about two thoughts on that. One of them is the slave is the debtor is slave to the lender. And it's one big one. But one thing that I can't wrap my wrap that I try and get people to wrap their mind around is imagine if you had your full paycheck to spend on what you wanted to do or how you wanted to spend it.

That I can't wrap my mind around that.

Yeah, yeah. That's that changes everything. And I always used to yell that from the stage when we're doing these big events, just like breathing. And what would happen if you had no master card? Yes, yeah, you hadn't discovered American distress or. Yeah, and so on and so on, so on. What have you had no payments, no car payment, no house payment. Sallie Mae got kicked out. She's no longer allowed in the spare bedroom.

What if you had no payments, no payments?

You're exactly right, John. When you can just visualize that when you can kind of breathe it in, even if it hadn't happened yet, it gets you fired up.

Yes. And there is a light at the end of the tunnel.

Absolutely. That is not an oncoming train. Well, well done, you guys. Very well done. So you obviously had some people making fun of you. Did you have any good cheerleaders around you?

Oh, my gosh, yes. Our friend Stacy, she followed your program. And every time we paid off, I bet, like I would call her, she was amazing. She kept us going.

Very cool. Very cool. Well, congratulations, you guys. Very, very, very well done. Very well done. All right.

We've got a copy of Chris Hoggins book for you every day. Millionaires', that is the next chapter in your story for sure. Well done, John and Cassandra, Tucson, Arizona. Fifty thousand paid off in 21 months. Make an 84 countdown. Let's say you're a debt free scream.

Three to one wedding ring.

Yes. This is how it's done right here, baby. Oh, you got to love it, you got to love it. Very, very well done. Well, our Question of the Day comes from Blind's dotcom.

You can find out why they are the number one online retailer of custom window coverings.

You get free samples, free shipping. And with the new promos they run every month, you'll save even more. Use the promo code Ramsey to get the best possible deal. Today's question comes from Matt in Wisconsin says, My fiancee and I both have full time jobs and have worked hard to get where we are. I'm an accountant heading towards my CPA. I have one and a half semesters left before I plan to sit for the exam. She's a doctor, pretty solid in her profession at this time.

No debt, perfect credit score. I'm going to school as a result of built up some debt. She wants me to sign a prenup. She's a doctor and has worked hard for where she is. So I do sort of get it living paycheck to paycheck, I need help or at least some advice. Not sure how I feel about the prenup.

Matt, I don't know how much debt you have, but she ain't that special. She's not special, she thinks she is. So the only time I recommend a prenup is in extreme no situations, and these are not extreme. She simply makes more new and she's responsible and she doesn't like your responsibility. I think she doesn't wanna marry you, sir. And and she wants to marry you, but, oh, well, not if there's any possible pain involved.

Well, let me help you with this. There's going to be pain involved in being married, period. So, you know, if I if I run into somebody where one person has, you know, five or ten million dollars and one person is zero. Yeah, I probably put a prenup on that one. It's really not for the two individuals that are getting married, but more for the weirdness that is around them in their life because their stupid mother in law has got some idea she's entitled to the new son in law's money or some weird crap.

And that's the stuff I run into. But just I'm a doctor and I make money. I'll kiss my bad. I mean, give me a break. The arrogance of that's unbelievable.

So, no, no, no.

I think you need some pre marriage counseling. Maybe you can work through this issue, but she needs to love you more than she loves money.

And she ain't got that much money, there's not that much involved here, there's not an extreme thing going on here at all. So there you go. For now, I have one guy, one lady call him her fiancee had a classic car and he wanted a prenup. And I'm like, he loves the car more than you, OK?

If this is my daughter, we're not getting married, not if I got any Say-So in the situation. So now. The thing is this. When someone works really, really hard, like you guys have worked in your field, CPA docs, whatever lawyers, you spend a lot of money, a lot of time becoming a professional, that is a wonderful thing and is an indicator that you're bright people.

But it is also an indicator that you've had such a singular focus that you're willing to put the career issues and the income associated with a career ahead of relationships. And that means I'm not going to go forward with that one.

Not until we can get that solved, because we don't want we don't want this career to be the thing because it's all about her being a dog more than it is her being your wife.

And so I don't just old man talking. So you do whatever you want to, but the problem is you ask my opinion around here, I'll give it to you, because I am an expert on my opinion. And so far, it's worked out pretty good for me most of the time. Sometimes I step in it up to my knees, but most of the time pretty much the deal. Here's the good news is that you get to do whatever you want to do, but you ask me and that's what I would do.

Free marriage counseling until there's no prenup needed or until the engagement is broken off. This is the Dave Ramsey Show. Katie is with us in Fayetteville, Arkansas. Hi, Katie. Welcome to The Dave Ramsey Show. Hi, Dave. Thanks for taking my call. Sure. What's up? I'm actually hiding in a closet just to ask you this question, because I've got in-laws in the house. My question pertaining to them. But anyway, I'm twenty four and my husband is twenty eight and we're a newlywed couple and we just bought our first house in Arkansas.

Our family is from California. And a month ago, my husband's parents decided to move to Arkansas to be close to us and the lower cost of living. And so we actually invited them to temporarily stay with us and our new house under the expectation that they'd take a couple of months to find their own place. And my father in law will find a job over here. And course, he's actually been on unemployment for a year now, which actually just ended.

But it seems like the problem is the problem. I was motivated to find a job and move out. He hasn't applied to anything and he didn't like every excuse to delay applying. And it just seems like they're waiting around for his Social Security to kick in with when he turned 62, which is still over a year away. And they're in debt and they have no retirement plan and they spend a lot. So my question is, how can my husband and I motivate them to move out or at least give us a plan for when they will move out so we can enjoy our space in our new home as a newly married couple?

And you don't have to make phone calls hiding in a closet in a home you own. That would be a neat thing that that word picture right there kind of says it all, doesn't it? Yeah. Yeah. OK, how long you guys been married? Less than a year. OK. All right. Well, this is a highly emotional, very difficult process that you've got yourself into, as you can imagine. And my suggestion to you is, is that you don't say a word to them that he does all the talking, their son.

The thing is, my husband will say, like, your husband needs to grow. A backbone. If not, you can run down to Wal-Mart, you can buy them on all three. He needs a backbone. If you try to handle this, you're going to be the Wicked Witch of the West for the next 42 years and this family. Yeah, it's not going to work. You do not have the emotional footing to throw his parents out.

Only he does. Your problem is not your in-laws, your problem is your your husband. He won't deal with this, so you called me. Did I miss something? He would be on the phone with me right now if he could, but the thing is, it's whatever he says to his parents, it doesn't land because they will guilt trip him. And we were the ones who invited them to live here. I understand that. I understand that.

But it'll land if it sounds very clear. And it's very loving and very, very firm, and it needs to lower his voice an octave when he's doing it and very, very calm and say, mom and Dad, this isn't working.

We thought we were helping you, you're driving us crazy, we love you, you have 30 days. November the 1st, you guys need to be living somewhere else. Now, let's figure out together how we can cause that to happen, because you will not be living here after November 1st. This has gone on too long. It doesn't seem to have an end to it. And I love you more than life itself. You cannot live in my house.

I've been married one year. I need my space. No, let me tell you what's going to happen, OK? OK, you're lazy, but father in law is going to get angry. And your husband is going to have to smile and say, Dad, I love you and November the 1st, you're not going to be living here anymore. And then the mother in law is going to chime in and she's a travel agent for guilt trips.

And you're going to have to bite your little tongue and blood is going to run down the back of your throat and you're not going to say a freaking word, but your husband is going to man up and handle this mess he made. If it doesn't go down that way, that's the least messy you can do, OK? Option number two is you get involved and you are the Wicked Witch of the West for the next 42 years. You're the evil daughter that stole your your mother in law's son away and then you wouldn't let them live for free in perpetuation.

And you're just a jerk. And because they can't blame him because he's theirs. So they'll have to blame you if you open your freaking mouth and say one word, that's what's going to happen. Can you tell I've been here before, so the the second thing that's going to happen is you're going to do nothing and you're going to sit here and get progressively miserable. And three years from now, you're going to still be sitting in your closet talking on the phone.

And that will be your fault. Not theirs. Because you didn't deal with this, you have got to deal with this, you know exactly what needs to occur. So does he. No one wants to face it. And so basically, these guys have become emotional bullies to your. They're holding you at bay because you're scared of their reaction. Is that right? That's right. So, hubby. Hubby, hubby, hubby, backbone, Bubba Backbone, you got to stand up, Tom, to be the man and go, you know, Mom, Dad, we thought we were being a blessing, but gosh, it's just not working.

You're driving us nuts. We don't even see you out here looking for a job. We can't figure out what's going on. So I'm just going to go ahead and give you a deadline and then we'll work together and help you get there. If I can help you get a job, fine. If I can do some other stuff on, I'll help you move your stuff. I mean, we're going to we we love you. We're not trying to be mean to you, but we do not take you to raise.

And we cannot you cannot be here anymore.

And he just going to have to say all those things. And he probably got a slam like tonight.

Should I be in the room or if you can keep your mouth shut, some people can keep their mouth shut in these situations and others can't, because when the stress comes up and the the confrontation hits the air, people want to let the let the let the air out by cracking a joke or by interjecting and trying to say something nice because it feels like it's mean or something like that.

And if you want to if you're the nice person and you can't keep your mouth shut and stay out of the room. But this is not this is not unkind. We're not being mean, we're not angry, we're gentle, strong and saying out loud that this has got to change. And I love your mom and dad, and the reason we let you move here in the first place is we love you. But this idea that we're going to live together for three or four years ain't happenin.

And it appears there's no end to this, so we're going to put a deadline on it. OK, it's it feels like a lot of conflict, doesn't it? Yeah, it does, and thing is, they're not to know they're not bad people, they're just lazy and they've been saying like, oh, once we move to Arkansas, I'll apply for a job.

Or like, once this happens, I'll apply for a job and kick the can down the road.

So now once you're homeless, you can apply for a job because you're getting to be homeless. Or maybe out of a job now so that you're not homeless. That might be even a better plan. I'm being sarcastic, OK, but these are not bad people, but no one tells them no. And that's how they've gotten away with this crap. No, everybody, because they're such sweet people, they're what we call a lovable slacker. We like them, they're sweet, but they don't do squat.

And they just become a parasite into your life, so if you want to pick up the book and become an expert on this, you can. It's by Dr. Henry Cloud. It's called Boundaries and it'll change your life.

And that way you want to make phone calls from the closet in your own home.

The absurdity of that picture illustrates how badly you have to deal with this. This is The Dave Ramsey Show.

This is James Childs, producer of The Dave Ramsey Show. You can listen to Dave Rachel Cruze, Chris Hogan for the rest of the Ramsey network anywhere with the Ramsey network app on your smartphone to catch all of our full shows, browse by topic or send clips to your friends and to the App Store and download the Ramsey network app today.

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.