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Live from the headquarters of Ramsey Solutions, broadcasting from the car radio studio, this is the Dave Ramsey Show, where America hangs out to have a conversation about your life and your money. My name is Anthony O'Neal, co-host. With me today is the one and only Dr. John Bellone. You would love to have your phone calls. We would love to have your questions. And you guys, this is a life and money show, so we would love to have a conversation about your mind, where you are.

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If you're feeling a little depressed, how can we help you? If you're dating? You have some questions. And even young people, we got some young people out there in the studio today.

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We actually have people with maskin and people without masks because we just love all kinds of people. So if you're watching us today on YouTube, thank you so much for watching. If you're listening, wherever you listening, give us a call. Triple 8255 at 225 eight eight two five five two to five a you know what?

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Let's go ahead and kick it off with Jacob out in Tulsa, Oklahoma. Jacob, good afternoon. How can Dr. Dean myself help Hansen?

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It's good to hear from you. Hey, I had a question on my life, and I can't have baby step, too. And I was wondering, do I need to leave my student loans? Because there's four of them going to live in one big section or s.m up.

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A great question for smaller ones. How much how much debt are you in? A baby step to total 13000 and all 13000 student loans.

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I have about 3000 credit cards. Thirty five hundred on a car that was totaled and I didn't have gas insurance and about a little over six months. Cool, great.

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So to answer your question, no, you're not going to lump sum into one lump sum. What I want you to do is break it down. So if you have four different student loans, you're going to put that in and in the debt snowball. So say for an example, you have two student loans, one is 1000, then a one is 5000. But let's say for an example, you have a student loan for a thousand. Then you also have a credit card for 2000 and then the next to the loan is 5000.

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Where are you going? To put 1000 dollars. First, you're going to put to fit the 2000 credit card in between the two student loans. You see what I'm trying to tell you so that your student loans in the debt snowball wherever they are. Yes. All right. So don't don't add them in there. Don't lump sum it all together, just going ahead and just let the decimal and make it work. So what do you get your degree?

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Jacob, I'm actually finishing up my degree at LSU in history and my plan is to be a teacher. OK, so I don't boyaca to be a great teacher.

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Will you be a great teacher? He's going to be we're going to try.

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My mom is a teacher and my grandmother was a teacher, so I figured I'd continue with the legacy.

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That's what I'm talking about. Good for you and congrats on picking a good big 12 school. Yeah, way to go. A man that thinks I'm a Red Raider, so we're not friends except for right now. We are so good for you, man. All right. Let's get to work.

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Hey, man. Jacob, thank you so much for calling in. Thanks. All right. Jubilate 8255 225. It is Dr. Deloney and myself. I was about to call. You gotta be kind of like you call me anything you. I can't say anything that you call me off air.

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So I'll take Dr. Deman. I'll take it. Hey, so is that common, Anthony, that that people want to lump these student loans into one big pot and they don't they don't think to think think as individual loans, individual debts that just go in their place and the debt snowball?

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Yeah, it's definitely on it. I mean, it's definitely something that I even understand because what they're doing is my student loans and they're making one payment and making one payment that is divided between four of them if they're all in the same place. Right. OK, so which I totally understand. But if you really want to attack the student loan, then what you got to do is go inside and enlist all of them off and you can honestly go log in to the student loan portal and actually make payments on each one of them yourself.

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Hmm. And so and that's what I always recommend. I always say, you know what? Don't just make one payment and allow them to divide them up. No wrote to debt snowball. So pay the minimum on all of them. If that's the only project that you do have, which I talk about in my or my quick read called Destroy Your Student Loan Debt, I tell them to go in there and look at, OK, what do you have, how much you have lined up in the smallest to largest and then attack one by one by one by one.

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Don't just make one payment that goes to all of them because that one payment, it doesn't have a lot of juice on each one right now.

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It doesn't have a lot of juice and really is going towards interest. It's not really going towards the principle of the payment. OK, OK, so that's a good question. I'm learning.

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You're teaching me Anthony. That's about to teach him. It's about time you learn something going out to Dallas. We'll have a conversation with Tyler. Tyler, good afternoon. How can Dr.. And I hope. Hey, you hear me? Yes, sir. Absolutely perfect. Great, great party. I'm 21. I'm entering my senior year this fall at Texas A&M University. I've read the time I make over the retiring inspired and put the water in other books.

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My question is, back in the spring, I was given notice that I was given an individual brokerage account with some single stocks in it, and that total value is about ten thousand dollars. My question is, is it smart to cash this out to pay off debt? Should I cash it now or wait to see it goes up? I know you can't time the market or anything like that.

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Yeah. You know, ask a question. What are you going to school for each other?

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So I'm going to school for construction management. But the degree is based on school construction, science, basically construction management. OK.

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OK. And how much is it going to cost you per year. Per year, I got it written down right here. Every year it cost me roughly twenty two thousand twenty thousand dollars. So that's going to be a four year degree program. Yes, sir. You're looking at sixty thousand dollars, eighty, eighty, eighty, I'm sorry, eighty. My math is off. I'm sorry, 80000 dollars and your senior year almost done.

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I'm a senior, almost graduated. Yes, I graduate next spring. OK. All right, so you graduate next spring. How much data are you going to graduate with? The day I graduate, I've done all the math. Let's see the ballots. I'll have 30000 scholarships and my internship that I'm on right now. But they are gradually I will have 50, 50, 6000. And then after I apply that, if I apply that single stock, that will decrease that 46 coracle.

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You know, I'm not I'm not a huge fan of single stock. So you have two options that they either let you choose from or you could pull it out and just put it into a Roth IRA and let it grow from over there. You're going to pay penalties no matter what on that end, or you could pull it out. And if you want to pay your debt, that's fine for me. I'm trying to figure out how can I go ahead and just keep that in the investment side and pay off the debt.

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But if you want to pay off your debt with it, that's fine. You know, honestly, that's fine. You can go either way. But, you know, you're young. I mean, if you want to talk to, go ahead and attack the debt. But if you want to just roll that over into a Roth IRA could save you a little bit there. You could do that as well. But I would definitely I'm not a single stock guy, so don't even invest more into single stocks.

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All right.

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And on the tax portion of this, I think it's a long term, so I don't think there's going to be taxes on that. Does that sound correct? We're going to talk with a get with the smartest approach on that.

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Yeah, I mean, one of our tax. Yeah, yeah, yeah. Definitely sounds so. Sounds correct. But I definitely would get with a one of our LPs endorsed local providers so they can definitely help you out and get a little more into detail with your specific thing. But for sure you can choose whichever what you want to go about you being in debt right now. I mean, I wouldn't be mad at you paying off the debt after the jubilate 8255 to two start to myself.

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We'll be right back. Man, I am sick and tired of people getting screwed over by the timeshare industry, people have paid off their timeshare but still can't even give it back. That's crazy. If you're sick and tired of paying for a timeshare you can't afford called timeshare exit team when you hire them before May 31st to exit you from your timeshare. If they can't get you out before your next maintenance fee is due, they'll pay the fee for you.

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I trust timeshare exit team call eight four four nine nine nine exit or TIME-SHARE exit team dotcom. Some exclusions apply see site for details.

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Wow, and, you know, one of the greatest things I love about working at Ramdas Solutions is our team. We have amazing team members here and one of them is Kelly Daniel, our phone and associate producer. And I won't say what just happened, but I just want America to know that I love I love can cheat on you.

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I love. Oh, I love. Hey, you guys D and Anthony O'Neill. And we're excited to be hosting the show today. So give us a call. Triple 8255, 2005 Amala Show Love to the YouTube World. YouTube, YouTube. What's going on? If you all didn't know if you're listening to the podcast, if you are maybe listening in your car every single day from one to four p.m. Central Standard Time, Dave, or any of the personalities when the Dave Ramsey Show is on, we are live on YouTube.

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So I want to say hello to Phillip Barnett. I see you commenting a lot in there. You're more than welcome to give us a call on show. You kind of disagree with some things. And I don't have a problem having a conversation with you live on the air from the 17 people.

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You're calling them out. But Crystal Harrison. Hey, hello. And to Dussel and Aubrey Miles and Felmy Finance. Hello. You know, give us a call. Just say hello to everyone. I love the YouTube space. I love having a conversation. So let's keep this conversation going.

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And having a conversation out in San Antonio, Texas, with Whyatt is going to be a great day. Hey, good afternoon. How can I start today?

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And I hope. Hi, guys. Thanks for taking the call and trying to figure out how to deal with a little bit of heartache over feeling estranged with my 21 year old brother. We took him and my thirty three year old brother as well as my mom. And five years ago, my husband died and they lived with us for five years until last June. We were financially responsible for everyone and we were hoping to give everyone a fresh start after some domestic issues.

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But we were they were facing, you know, in their home base. And so I think hit a breaking point for us in June. And we asked everybody to move. So it was kind of abrupt. My young brother kind of things kind of messed up. My my little brother moved back to San Antonio to during the corona. Everything happened and things kind of just became a big load.

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What was the up? So what was the abrupt? You got to go now, five years up until now and then it's just like you got to get out. What was that? What was that?

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I think I think it was it was coming. I think it was just the family dynamics starting to look back into old habits. Oh, I think we wanted we wanted something. We wanted people to move on and and start new jobs and careers and things like that. But as soon as the third player in the family dynamic clicked and everybody reverted back to the old habits and things like that. So we felt like we just can't like people. You know, my brother came here and he didn't work, started kind of influencing the young brothers to take less hours and just lounge around.

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And we wanted to just kind of push everybody out of the nest, but at least my feeling.

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So what's your what's your question? How can we help? Yeah, how do I I'm reaching out. I'm trying to reach out and bring my youngest brother back in. But I also to connect we connect back with him. But my tendency is to say, hey, come back and I'll give you some money. And how do I you know, how do I, like, reconnect with him specifically? My youngest one, because I kind of raised him without, you know, going down that path again, where love equals health, love equals money.

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And how do I see him struggling? He doesn't have a car. You know, he's he's taking control of that. He's, you know, responsible for rent and all that stuff. And I. I don't know. How old is he by his workplace is twenty one.

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OK, so it. Are you feeling lonely. Are you feeling disconnected. Are you feeling guilty? I'm not maybe a little bit of guilt, but I don't feel lonely. I have my husband and my son and I'm pretty fulfilled, OK, I guess maybe I'm just being pulled back by those old heart strings, right?

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I mean, you love your brother. The best way to love him right now is to let him grow up.

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And the best way to love him right now is to let him develop the muscles and skills and fortitude and grit to put food on his own plate and to develop his own community. You'll always be a sister.

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You'll always be the a strong woman presence in his life that bailed him out for five years, that fed and clothed them and and got him through high school, got him to college.

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You'll always be that. But he needs to develop his own community, his own relationships, his own friends that are going to be the folks that lift his arms up in the desert as he goes through the ups and downs for the rest of his life. In the best way to do that is to tell him I love him, I love you. You're always welcome at my house. I'd love to have you here for Sunday dinner. And I'm going to be cheering for you.

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I'm not going to be funding you. And so flip the switch in your head that when you hand him a check, you are hurting him.

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You are violating his autonomy in his ability to to flex his own and grow his own muscles. It's beautiful, but to be fair, yeah, that's fair, that's fair. Yeah, yeah. So just find those tendencies in what you're going to find.

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My guess is what you're going to find is it feels so good to have bailed out your family.

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It feels so good to have been the family hero, especially if there was domestic stuff. And so this is a whole other call. But if there was any sort of domestic abuse from a male figure in the house, they got out, they jumped into you.

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You were the hero. You rock and roll that. You fed and clothed everybody.

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You and your husband were the rock stars. And it's easy to to to let that form your identity, let that become you. And you're not that your sister. You stepped up in a time of need, which is what sisters do.

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And now you've got to go back to just being a wife and going back to just being a mom, and those aren't small back tears, those are identities. Those are beautiful things.

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But you've got to you've got to fight the temptation to go back and try to save everybody again. Right. You've got to put a period at the end of that sentence. You did you did incredible things. You came through Klutch, and now you get to be a mom and a wife.

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Anthony, how do we how do we adjust our.

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How do we adjust seasonal moments and don't let them become our permanent identities? Hmm, does that make sense, that question sure doesn't. No, it doesn't, it doesn't.

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OK, how do you go to college for three or four years?

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And be able to put appeared at the end of that and not walk through life like I'm just a college student. How do you have a relationship where you love somebody for two years?

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You're really invested and you ultimately decide we're not going to be together and you're able to let that go, that she or he is not a part of your identity anymore. How do you step up and help somebody change her tire in a time of need and not where the.

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I get it on the on the tire changer guy. Yeah, I get it. And I think it comes down to the mindset, you know, I think everything is seasonal. You know, everything is seasonal. But we make it into a permanent state, to a permanent situation. And I think sometimes we're just driving by a season to get the education, to get the wisdom, to get the knowledge, to get the experience experience. But then we take that and say, all right, I'm a live here.

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And I think it's because we're uncomfortable for going from here to there because we spent so much time over here. Now I've got to go somewhere brand new. We want to keep a foot in that area because we know we're safe.

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We know we're safe. We've been here one over there. Is that exactly a prime example? I come from a predominantly African-American church before here. I mean, I lived in Espace. I know that world. I mean, I was in my comfort zone and coming here, I came to a, you know, a very different culture.

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You can say it. A very white culture. Right? A very different culture. And I'm like, whoa, it was nursing. So I try to keep my feet over there while I have my feet over here.

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And I had to quickly learn Anthony beat you wherever you are, because then if you keep your feet in both worlds, then you're never really anywhere. You're not right. You're not, you know. And so what I had to realize is, Anthony, you're Anthony O'Neal, and wherever you are, you're going to be Anthony O'Neal and you need it that season for a period of time. You had got it. Now you over here be you and get what you need from over here.

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Hey, you heard it here. Anthony O'Neal Daraban Wisdom. Not not me. That's you. This is a day to show. Do you have student loans, I need you to tune in right now and listen, I've been telling you to refinance your loans with Splash Financial.

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Here's what I don't understand. Many of you who have been prequalified to refinance your student loans to better rates have not finished your dadgum applications. So this is simple. Finish it. You could save thousands and you pay nothing to refinance. Go back to splash financial dotcom slash Ramsey. That's how they'll know you're one of my listeners. Splash Financial Dotcom Ramsey. Going out to Bahru is going to have a conversation with Danny. Danny, good afternoon. How can Dr.

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Dean, I have the DNA. How are you?

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We're doing well today, man. Thanks for calling in. How can we help? Yes, sir.

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I am honored. Set to want to go back to school for my bachelor's degree. I currently receive two thousand dollars per year from my associates and I'm wanting to continue to obtain my bachelors. The calls would be approximately 10000 and the incentive would increase to four thousand dollars per year. Of course I'd pay cash and the degree is not required, but it's just a personal goal.

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So it's not required for the particular field.

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You want to go into the field that I'm in right now, it's not required for any for any position increase. It's just a personal goal I'd like to have. Oh, OK, cool.

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So what do you do right now? Again, firefighting firefighter boy he's talking about man.

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Thank you so much for what you do, bro. For real. Thank you. Thank you.

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So yeah. So so let's talk about this. So we're looking at about 6000 dollars extra outside of the 4000 and you'll get 6000 dollars a year to get this program is not need. It is not a requirement that you will eventually pay cash for it. Let me ask you this question before I give you my answer. I let down the beginning here, too, with this.

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If you get this program, what's the income increase?

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How does this benefit you financially?

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Right now, we know nothing ever would be. So all it is is that so we get an estimate every year for the three years that it's currently two thousand four associates and four thousand for a bachelor. So all it would all the only financial go financial increase would be about 2000 per year.

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OK, all right. All right. All right. And are you are you in any debt right now?

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Yes. We'll be debt free in a few months ago about November.

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How much debt are you in right now? Thirty thousand, thirty thousand dollars. Donnie, I lose you, man. No. Oh, there he is, he's doing all right. And let me get this straight. You're 30000 dollars in debt right now.

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That's correct. OK, that would be taken care of by November. Here's where it goes. Is OK.

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All right. So here's my suggestion for you down here, because I like you. I don't I don't I don't have a problem with you getting the education. I believe education is the most important thing we all can obtain. And so getting the extra education and going after that, I am totally, totally cool with that. Here's where I have a problem that though I want you to save this six grand is going to be paying per year and put that towards your debt.

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Now, once you get out of debt, once you get a fully funded emergency fund and you're specifically in a career field, that I think an emergency fund is really much needed. My needed I wouldn't do just three months. I asked him to go six months just in case if something did happen. I'm on top of your insurance covering you. You have six months as well to be there. And then after that man, once you have your foundation laid, if you want to go back, get some education and experience that journey just so you can feel accomplished.

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I have no problem with that at all. But right now, I really want you to focus on getting out of debt. If you were to say like, hey, I'll get an extra 15, 20 grand a year for the 6000 dollar investment, I was like, yeah, OK, let's go do that.

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But right now, there's no financial investment. It's taking away money you can put towards your debt snowball. I mean, it may add a little bit more stress to just a little bit. And so I would advise on a financial end to just going ahead and cover the foundations and then go for it once you are out of debt.

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Understood. Understood that. All right. All right, man. Thank you so much for calling in. And again, I mean this. Donnie, thank you for putting your life online for for us, you know, going into a building that's burning up.

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If it ain't my wife, my kids ain't going to build him. I will. But we're different. People are going for me. I would for your wife. You had to think about that.

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And that's right.

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And so I found out that we might disagree on. Tell me. Tell me. We disagree on a lot of things that will publicly say out, out, out to the world.

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Right. Do you think education has to have an approach to it or has it has a value in and of itself? When I am in debt and I do not have a fully funded emergency fund. Yes, OK. If I am in a financially secure place, no. Well said. So we do agree or you just said we disagree. I thought we did. But you clarified it. It's contextual then, right?

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So in this world, if I just if I still owe a bunch of money. Yes. I just want to get a degree. It's not going to contribute to my to helping me pay this debt off because just something I want to do. Right. Then we're going to we're going to pay off debt first. Right. But on the other side, if I'm debt free. Hmm. I've covered my my four walls and I want I had this dream.

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I've got this this desire to learn more to to hear narratives and stories that I've never heard before.

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I mean, I get more money, but education is something worth investing in. Absolutely.

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So so on that flip side, I would ask the question. Can you do it without it costing you that much money, because in today's day and time, you can read a lot and study a lot without it costing you ten thousand eight thousand dollars a year? I mean, like, for example, I'm a part of master class online, and that's costing me, you know, about 200 dollars a year. And I literally go in there every single day and I learn things that has nothing to do with finances, that has nothing to do with what I enjoy doing.

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But I'm learning and I'm subscribing to these classes because I want the education. I always want to be growing and maturing and learning different things. But I can if I can go online to a university, said university, and spend 10000 dollars for the same information that I'm spending 200 dollars for. So I would say I don't have a problem with people learning just to learn. But does it have to cost you that much to learn?

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And so the way I would characterize the way I would my response, that would be this.

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Michael Jordan always had a coach, right, and had a nutritionist and a workout coach, right.

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And and and and and so I think when we think of education as information, yeah, masterclasses is incredible.

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When I think about education as a relationship, as a coach is going to walk beside me and make sure I'm picking up his information. And not only am I getting information, but I'm learning how to do the thing right, how to become this thing. That's where I think coaches good, right? Yeah. Yeah. But then you came from the school.

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All right. Well, the professor actually walked through that with me. Oh, yeah.

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Yeah. My professor didn't really know me.

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I mean, he showed up for class and left as soon as class was over. And I'm not speaking. That's what we're all of. That's right. You know, I'm just saying for the that I have experience outside of seminary similarity. Walk me through the process. But traditional school, they showed up and left me and the same information I could have I could've went to YouTube or masterclasses or something like that.

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That's right. But you said a key word there, Coach. Right. I don't have a problem with coach. That's right. I don't have a problem with mentors. I think we all need them in different areas of our life. I have a mentor who is who's been married for 48 years, and he's mentoring me on how to be healthy, my single life to go to war, said that's my mentor. That's my coach. I love it.

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But from a school university perspective, spinning 10, 15, 20000 hours to get that, I would question like, is that the only route, if that is go for as long as your foundation is solid?

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And I think you're asking a question that a lot of people in America are asking right now about whether I send my kid back, if, you know, with covid and are they going to go for two weeks and get sent home?

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I hope that my some of my best friends on planet Earth are extraordinary college professors.

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I hope the whole professoriate is listening and hearing this conversation to say, are you somebody who just shows up, clocks in and out? Because if you're just trading in if if your job is just information transmission, you can get that 200 bucks from master class. Absolutely. If it is, I'm going to be about the business of human transformation. Yes. People change. That's a that's a that's an exhausting job. It's a tiring job. It's a noble job if it's transformation.

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That's right. Human change. I'm paying money for it. I love it. If you're just showing up and there's nothing there, I'm not paid money for it. I love it not doing it. This is Dave Ramsey Show. Do you ever get to the end of the month and have absolutely no idea where all your money went? It feels like as soon as the money comes in, it goes right back out. I've been there. I know.

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Doubt the D has been in there, man. Here's the thing, you guys, if you wanted to take if you want to take control of your money, you have to be the one to tell it where it goes.

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This means there's no secret to this thing. There's no surprise you got to have a budget. And the best tool out there is every dollar because you've got to give every dollar a title, a name, an assignment every single month. And the best way to do this is with our brand new Ramsey plus membership. It gives you all of our best money products, including a premium version of our budgeting app, every dollar. That's where you make your budget, track your spending.

[00:31:01]

And clearly and I mean this clearly, see where your money is going. You can try all of this for free with a free trial of Ramsey. Plus, today, never again went to where your money is going and to start a free trial.

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I want you all to techs begin btg i in two three three seven, eight, nine, one more time. That's begin BGN to three three seven eight nine. I've been a part of the whole Ramsey plus every dollar for a while and true star. I'm telling myself today you all can go over to my Instagram account and I told myself this morning my name is Anthony O'Neal. And you see thousands of people are talking about it right now. But I woke up this morning and I said, you know what, it's Friday.

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It's a good time to get some some some pick up food. I just go to Pizza Hut or something like that. Just get some for me. And that sounds so good. So good. Right.

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And then I was looking at my budget and my budget just literally screamed at me. You just went grocery shopping on Tuesday, huh? And I looked at my budget and said, I didn't ask you.

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And it's like, man. And I step back and ask myself, well, why did you spend, you know, two hundred dollars this month to go grocery shopping, to go spend thirty dollars to get more food when you have all this food in the house.

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And my guess is that food in the house is probably it was probably planned and thought out. So it's healthier for you much so it's not going to be like full of trash and sugar and not just going to keep you up and I'll let you sleep.

[00:32:33]

Well, yeah. There's no pepperoni or pineapple or or sausage. Yeah, there's nothing like that in the refrigerator. That's right. You know, and my budget was like, yo, you have financial goals. And over the last I want to say like man sixty days, man, I've really challenged myself to do something that I've I've to take myself to the next level. And my budget told me, Anthony, I'll sit here on the show.

[00:33:00]

I sold my car. Hmm. I sold my BMW. I had a BMW 750 and I sold it. And I put the money back in my savings account because within the next three years, I just built my house. But I want to build my dream home. Then I gave myself a timeline and my budget said, Anthony, you have goals.

[00:33:21]

You're going to give every dollar a budget. If you go out to eat, you just wasted all this money and time. That's right. And so, man, so how good did it feel? I think it's I think it's easy to sometimes think that the Ramsey folks, this ecosystem, we talk in clichés and we talk in, you know, sound bites. So be honest. You had this you've got a nice car that you drive your daily driver.

[00:33:47]

Yeah. You had this dought BMW in the driveway.

[00:33:50]

Yeah, it's in the garage and the garage kept it kept kept. Of course you do. You sold it and then you have actual money in your savings account.

[00:33:57]

Well, I had actual money in my savings account before that. This is how we got in we go. So walk me through that process. Did it feel good to deposit the check? Did you feel a sense of loss? You know, I think the flesh side of me, when I went to sell the car was hurt because I'm coming from this big brand new this be real 120000 on the car that I didn't. It's been nowhere near that about.

[00:34:21]

It was four years old.

[00:34:23]

But you had some you had some identity status built on this fancy car. Yeah, I'm getting out the car. I mean, I feel good. I step out the car differently from a guy who is. I want to talk about. You've slept in a car before.

[00:34:34]

Absolutely. This feels good to have feels to your car in the driveway.

[00:34:37]

Feels great. OK. Yeah, feels great. And so I started really just writing out my goals and my visions, my vision. And I was like, what is the ultimate thing? What's most important to me right now?

[00:34:51]

It's not the car is it's not it's not a lot of things. Like I was telling Dave a few weeks ago, I had a little of a time travel case that I spent all this money for. I probably use it two or three times. I saw that yesterday. I'm like, I'm really just I'm I'm writing down a vision. I'm making it plain. And I have two visions, one for my life and one for my budget, for my money.

[00:35:11]

Right. And I make sure the two are congruent. Right.

[00:35:13]

So my ultimate goal as far as any life is I want I really want to go ahead and build my dream home. I said by 40, I want to be in my dream home. Then my budget is like, right bet. How do we get there? Gotcha. And I was like, yo, let's start. So a lot of things that I won't say on the air because it's personal stuff, but I'm not really transitioning some things right and making sure that I'm sticking to my budget even the more because I want to make sure that I get it.

[00:35:41]

And the greatest enemy to our success is our excuse me. And so this morning, when I'm looking at my budget, my budget, you know, we I talked to my budget, my budget, talk to me. It sounds crazy, but it's real. You know, when I look at the money that I don't make an excuse. Right. You have goals, each of you.

[00:35:58]

And see, I would even go below the excuse line is the lack of intentionality. Come on. And you painted a picture of a house in a place. Yes. Of a a financial security. Oh, no. Yeah.

[00:36:12]

That's going to say I can exhale.

[00:36:14]

Yeah. And that was more important than the picture, this fake picture of somebody, because I got four wheels on a box of metal in my driveway.

[00:36:23]

Yeah. Yeah, absolutely. And in answer questions in the beginning, not to be when I deposited that check back into my savings account, I was like, man, did you have like. Yeah, I mean, I was like, no, this is this is beautiful.

[00:36:36]

Like, you just got to somebody's annual salary in your savings account.

[00:36:40]

No, ti can't say that I didn't spend a hundred thousand.

[00:36:44]

No I'm saying you got somebody else in the world, not your husband. Somebody else.

[00:36:48]

Yeah. Yeah I see what you mean. Yes, yes, yes.

[00:36:51]

I just put that large amount of money into the account because I now I'm getting closer and closer and closer to my goals, I'm getting closer and I have some major steep goals that I really want to do.

[00:37:06]

And to get to those goals, you're going have to be super clear and continually refine and ask a hard question. Yes. Who am I?

[00:37:12]

What do I want? Right. Yes. And I'm good for you, man.

[00:37:16]

And so I say I to say, you guys like having a budget is a vision for your money and is getting grown up and grow up and grow up.

[00:37:24]

It's it's a clear vision for your money.

[00:37:26]

If you really want to be successful with your money, you have to have a budget and you have to stick to that budget and your budget is going to make you make decisions that you may not like today, but you will love tomorrow. And when I move into my home, I'm going to be like, yes, it was every decision that I made was yes. And now I'm not saying that I'm eating on beans and rice again. I'm not doing that right.

[00:37:53]

But at the same time, why do I need two vehicles?

[00:37:57]

I mean, I've asked that question of you. Really? Yeah. You never asked me that. No, I mean, I asked it rhetorically in the kind of a mocking making fun of you kind of way. But I'm glad you got there.

[00:38:06]

And we find this out on the Dave Ramsey Show, not in private, but in front of seventeen million people. You tell me that. Oh, my goodness.

[00:38:15]

You guys, let's go to a social question.

[00:38:19]

Listen again. Tex began BGN two three three seven eight nine begin two three three seven, eight, nine. So you can get the free trial of Ramsey. Plus, I'm telling you right now, it will extremely bless you. Morgan from the Ramsey baby steps.

[00:38:36]

Ask you, Don, what's the best approach to budgeting when you both when both me and my husband have dealt with financial abuse in past relationships, to be honest, and you call it out together, you put both of your past financial abuse tragedies buried open, lay it laid on the line, and then as Anthony just eloquently and vulnerably put out, there you go, paint a picture of what tomorrow is going to look like.

[00:39:04]

You both decide, what is this house going to look like? Who's going to be sitting it at. Our table, what's the table going to look like, what's Thanksgiving going to look like, who's going to be involved in that? And then you go build that together, pass it.

[00:39:17]

And I totally agree and I echo everything you just said.

[00:39:20]

Hey, I appreciate your vulnerability. I tell you what, I'm super proud of you and you're inspiring me. I am. And I'm going to have a conversation with my budget tonight. And it's about time it's going to be uncomfortable. Remember, you guys, the caliber of your financial future will be determined by the decisions you made today. Make the right. This is The Dave Ramsey Show. This is James Childs, producer of The Dave Ramsey Show.

[00:39:54]

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

[00:40:10]

Hey, if you've got questions about retirement investing or becoming an everyday millionaire, go bigger and broader with my man Chris Hogan on the Chris Hogan Show. I am excited to be able to talk to you all week in and week out. We're going to focus on your calls and it's going to focus on building wealth investing and how to become an everyday millionaire. Subscribe to the Chris Hogan Show wherever you listen to podcasts.

[00:40:33]

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.