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[00:00:25]

Why, from the headquarters of Ramsey Solutions, broadcasting from the car rental studios, that's the Dave Ramsey Show where Ned is dumb, Cash is king and the paid off home mortgage has 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 and your money. Open phones at triple eight eight two five five two two five. That's triple eight eight to five five two two five.

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Stay tuned at the bottom of the hour, my friend Ian Crawlin is coming on. We're going to talk about his specialty for a couple of segments and how it actually applies to money.

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He is the Enneagram guy wrote the book The Road Back to You, that I think everyone I know has now read just about.

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And it's pretty crazy. It's a huge bestseller. And the Enneagram is quite the quite the discussion around the dinner table these days and has been for a couple of years.

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A lot of folks talking about it. It's kind of fun. And I always liked looking at things that caused me to know myself better and be able to understand other people better because humans are just weird. And grasping what's weird about each one of us is very cool, like the first time my wife read one of those disc tests about 20 years ago plus and she's like I said, this this thing really nailed me. I mean, this is like they like they read my mail.

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This is so cool. Totally describes me. And she's reading through it and reading through it. And then she goes, Yeah, that's exactly what's wrong with you.

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What's wrong with me? That is me. Well, that's also what's wrong with me.

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So anyway, we're going to start that at the bottom of the hour, not the dis the Enneagram with Ian Crawlin and looking forward to having him. He's a great friend and spoke for a couple of weeks ago at the NRA leadership summit and is just a great guy. Open phones, a triple eight eight two five five two two five. Lincoln, Nebraska.

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Dylan is up. Hi, Dylan. What's up? Hi. I am so excited to talk to you. You, too. How can we help? I am calling because I'm currently in baby steps with my husband and we originally started at twenty five thousand and we're down to about sixteen thousand. Good. And my parents are going through a really bad divorce and my 16 year old little brother would like to move in with me and my husband. You're kind of odd about it because I want to let him move in, but my husband wants to just stay get so intense and he's concerned it will be too much of an added expense if we let him move in.

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Are you do you live near where he lives now? No, they live about forty five minutes away from us, so I guess not too bad. So I guess he would stay in his same school and commute as a car. You know, when he would transfer to school here in my town, he lives in one who is about forty five minutes from here.

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And what is the financial condition of your parents? Very poor. They filed bankruptcy and they are still, even after the bankruptcy, about twenty five thousand in debt.

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What's your household income? Five thousand. What costs are associated with bringing him in food? Food, he would be would have to help him get a car because he doesn't have one. And with day care, with my son, the conflict to a school struggling. Bus doesn't run in front of your house. Well, you can see there's a bus not run for the school in front of your house. No, it doesn't. But he he could he could walk for a while, it would just be hard.

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And when you turn really cold, how far away is it?

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About new information about us, nice little hike. Yes, ma'am, uphill both ways in the snow, right?

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You could tell his grandkids about someday. It sounds like things are pretty miserable for him.

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I want to help him. Yeah, me, too. So is he miserable enough to take on some other forms of misery in order to get out of there, like, for instance, when he moves in with you, he starts he starts a job immediately and he saves up right quick and gets him a thousand dollar car and he pays for it.

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Yeah. He said he would be willing to work, but I'm just concerned it would affect his grades.

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I'm concerned that he's living in a cesspool and he needs to get out. I'm not concerned about his grades. Yes, that's the point, he needs to work. If I'm your husband and you came to me and said, look, he'll take a job and he'll work this many hours and make this much money, he'll pay us 50 bucks a month for food and he'll save up everything else and be on a budget the way we teach him in order to save up and pay cash for a thousand dollar car that we're going to help him get.

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We could be saving his life. Please, let's do this for my brother. I think that's a reasonable thing, but if your little brother wants to move in there and sit on the couch and eat Doritos all afternoon and suck and play video games and sit on his butt. And then great, because he hasn't got a car that you gave him that he's entitled to because he breathes air. This is a different animal. You following me? Yes, so I'm just if he is as desperate to get out of that mess as it sounds like he is, then he's desperate enough to do some crap when he hits the road over to your house and get his life straightened out.

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I'm sorry for him. It's a tough road. He's a tough situation. He's in his parents are both completely unplugged, basically emotionally, have abandoned him financially, have abandoned him. And he's 16 years old.

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That's tough. I'm sorry, it's heartbreaking, but if I'm your husband, your husband, he doesn't want to take a project on. Yeah, he wants to bring in bring in someone that he can be a blessing to if I'm your husband. Yeah, that's what I would be sitting on. And so I think you can lay out some guidelines and then talk to your little brother and say these are our conditions. If you will meet those. You're welcome.

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And of course, when you live under my roof, you live by my rules to. OK. Which means you're not coming home drunk at 16 years old, you're not doing dope at 16 years old, you're not doing, you know, da da da da. I just fill in the blank, right. On Sunday, we're going to church. This is what we do at our house. OK, if you live in my house, you do what we do at my house.

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You don't live there. It's OK. You don't like it. That's OK. You live somewhere else. But when you're under my roof, this is how it works. Right. That's kind of old school, and I'm hoping so we have the basic savings account for the car.

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Yeah, just help him. I don't care if he puts it in a fruit jar. I just want to. I just want more like 60 hours a week and go get him a thousand dollars right quick, OK?

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And just bust. I mean, I just want to bust his butt, man. I want to he's got a lot of emotion. He can burn off a bunch of it working.

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Yeah, I agree. I think that he's definitely willing to do what it takes. I think it's more I just had reservations about forcing him to work so much. I don't I don't have any reservations about it at all.

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The best thing ever happened to it. OK, he won't die from it when you're working really, really hard, right before you die, you pass out. She had to worry about work killing you. It won't kill you. So it's OK. You're going to be all right. That's going to be the best thing ever happened to him.

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You're giving him a safe emotional environment to live in someone that loves him and actually cares about his well-being. You're a good person. You're a good sister. Well done. Now, just put some guidelines on it so your husband feels like he's participating in a process that's helpful and not enabling a bunch of crap. This is the Dave Ramsey Show. During these crazy times, the best advice I can give you is control the controllable.

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Let's start looking at major expenses like your monthly rent or your house payment.

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Folks, mortgage interest rates are so low, now is the time to invest in your future. In just ten minutes, my friends at Churchill Mortgage can share ways to save you serious cash through a smarter mortgage plan to speak to a specialist call triple eight, loan 200 or go to Churchill Mortgage Dotcom. This is a paid advertisement in MLS Idy one five nine one in the MLS Consumer Access Dog Equal Housing Lender 1749 Mallory Lane Suite 100 Brentwood, Tennessee three seven zero two seven.

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Brian and Rebecca are with us in Houston, Texas, says on my screen, you guys are debt free. Congratulations. Thank you. Well done. How much have you paid off?

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A hundred and four thousand four hundred thirty eight dollars and 88 cents. Very good. And how long did this take?

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You took us about twenty six months.

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Good. And your range of income during that time? It was from about, I would say, ninety five thousand to about one hundred and five thousand at the peak.

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What do you do for a living? I'm a high school English teacher and I'm a geologist. Very cool. Good for you guys.

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So what kind of debt was the one hundred and four thousand dollars?

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It was all of my student loans. Your student loans? Yes, sir.

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So she married into a mess? She did.

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You're a mess anymore. Not anymore. You're cleaned up mess now, brother. I'm proud of you guys. Wow. One hundred and four thousand dollars in student loans. And you did this in 26 months making 100000. So you've been on beans and rice or you had something to sell? Yes, sir.

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We just kept living like college kids, basically. That's a great line.

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Yeah. Because when you're in college, if you don't live like college kids, when you get out, you get to to get out. The student loans gone.

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So good. Wow. So you've been on beans and rice for two years. How long you been out of school?

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And we've been out of school for about three years now.

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OK, so after the first year of marriage, your first year being out of school, you looked up and said, we got to attack this. Tell me the story.

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Well, Ryan was going to try to go to grad school and graduated, but that didn't work out because he didn't get funding. And so we decided to move back closer to home, find some jobs. Ryan had a job that he really didn't like, but it paid the money. And so we just live like college kids. My parents really supported us and we got it done. And now Ryan's getting his Ph.D. at Texas A&M. Wow. Way to go, Ryan.

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Very cool. So how's that being funded?

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It is fully funded through the school. So he does to work and gets paid that way and gets his classes and it's all fully funded. No debt.

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So great way to get a free education is go to work for the university. And many times we'll give you free tuition, right? Yes, sir. No doubt.

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Love it. Well done. Well done.

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Better plan. Better plan. I like it.

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How's it feel to be rid of one hundred and four thousand dollars worth of freaking navia.

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It feels great. I kind of wish I could go to the bank and get them to let me hold the money in my hands just to feel the weight of it, because it's all been numbers and numbers out. But it definitely feels like a lot of freedom. Yeah, it's not. There's no monster in the closet at your house.

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You got him out and shot him. Yes, sir. Well done. Well done. So now that you've done it, you're successful. You're what, 26 years old?

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I'm twenty four. I'm twenty five. OK, and you paid off one hundred and four thousand dollars in twenty six months. You're not a victim of the student loan crisis. You took control of your life.

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You're a victor, not a victim. What's the secret? A whole generation is wanting to know how you did what you did.

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I'm using a budget is definitely No. One just keeping track. I really don't know how other people exist without a budget now that I've done it. And for us, being married, just being each other's supporters and communicating really well and often and sometimes having to work a job that you may not like them, you pay a price to win her.

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Yes, sir.

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What was the thing you guys gave up in your lifestyle that all your friends were doing are buying that you couldn't do because you were getting out of debt? That that kind of was. Ouch. Like that one hurt?

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Well, I drove a twenty three vehicle and Range Rover, two thousand six vehicles broke down often and we just, you know, cash flow to pay it off. We did not buy a house right away. We actually lived in a very small, very cheap apartment and we didn't do hardly any traveling. We just stayed home, found cheap or free ways to enjoy our time together and just live like college kids. Really.

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What was the 2003 whoopty your drive and what was it? It was an escape.

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That's a piece of crap on me.

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Lots of money went into that thing. That's an awful car. 2003 to. Oh yeah. You need to take a picture of that to be able to show your grandkids.

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Yes. Well, my students, who are about fifteen years old, you know, this year my car was older than the. Were, which was funny. Yeah, that's great. Yeah, well, I mean, you know, you drove an escape somehow you escaped it, but. Right. So but you got to you have to remember that because I drove an old piece of crap Cadillac, that the predominant color on it was Bondo and it had 400, 78000 actual miles on it.

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After having driven a Jaguar, I went down to this piece of garbage that a friend blessed me with an air quotes, but it got me out of debt.

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I mean, got me on the track, got me on the path where I wasn't being able to buy cars.

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And that's what you did. You you drove you drove like no one else. Later you're going to get to drive like no one else because you guys are going to be millionaires. I'm so proud of y'all.

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Who were your biggest stars? Who are your biggest cheerleaders? I would say my parents for sure. My mom was a financial peace coordinator during my teenage years at our church that my dad was the pastor at.

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Oh, so you're a financial piece, baby, OK? Yes, yes. They paid off their debt when I was in about the ninth grade and my dad started seminary before I was born. And so they had just paid off his seminary when I was in the ninth grade. But I got to see a big transformation that happened in our lifestyle because of that. Yeah.

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And then when Ryan, you know, walks up and says, by the way, I come with a hundred and four thousand dollar ticket, you said, I know what to do with that.

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Yes.

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Well, we kind of knew what was going to happen with that. And because we've been dating since I was 15 and he was 17. So I was like, OK, well, we're just going to have to attack it. I love it.

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That's so cool. That's so cool. Well, your whole family's DNA was changed way back there and then you're the extension of that. Very well done. I know your parents are proud of you. We're proud of you here at Ramsey. Way to go. We've got a copy of Chris Hogan's book for you every day, millionaires, because that's what's next year going to be one of those before you know it, making serious money.

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Now, all the PhDs being paid for, you got this thing dialed in. Really well done.

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All right, Ryan and Rebecca, Houston, Texas. One hundred and four thousand dollars paid off in twenty six months, making ninety five to one 05 countdown. Let's hear a debt free scream.

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Three to one. We are getting paid. Ah, well done, you guys, very, very, very well done, absolutely amazing, and that's just great. That is very cool.

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Kathy is in Provo, Utah. Hi, Kathy. Welcome to The Dave Ramsey Show. Hi, Dave. How are you? Better than I deserve. What's up? So I have a little bit of a complicated situation, but she did ask you about some of her liver transplant patients at a liver transplant at 11 years old, and I live by myself well, with remits. And my family situation is a mess, my parents were a disaster, and my dad is very adamant that I am taking care of myself, which I have been working, and I basically take it.

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I pay all the bills and everything. But the one thing that I struggle with is he likes to hold the fact that I don't have health insurance over my head all the time. And I'm just trying to figure out if I can pry it like what my options are with that, because I hold on so that I'm not I'm.

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Twenty nine years ago, you had a liver transplant. Yes. All right. And what do you make? What, your household income.

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So I haven't actually been working quite a bit because of the covid. And last year I had a lot of issues with my health.

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I wasn't worrying regarding related related to the liver.

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Yeah, that's going to make it very hard for you to get insurance, know. So you're probably on his insurance for a while. And it's a toxic situation, no pun intended. I'm sorry if you want to check with one of our indorse local providers and begin to get some pricing. But I think you're going to struggle to land health insurance. And let's just do an employer. If you landed a job with an employer that health insurance furnished, that might be a.

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Well, my friend and neighbor Ian Chron dropped by at my request to talk about his hugely bestselling book, The Road Back to You and Enneagram Journey to Self Discovery.

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If you've not heard people talking about the Enneagram, probably because of this book lately, I don't know where you've been because it seems like everybody's talking about it everywhere.

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Welcome and good to have you. It's great to be with you. Thanks, Dave.

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So let's do initiate the uninitiated. What is the Enneagram and what isn't it?

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Because there's conspiracy theories out there, Arthur. Well, it's not the pentagram. That's the thing. That's the start we want to go with. Right. So the anagram is a personality typing system that teaches there are nine basic personality styles in the world, one of which we gravitate toward and adopt in childhood as a way to cope and feel safe in the world.

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Very importantly, each of those types has a unconscious motivation that powerfully influences how that type habitually and predictably acts, thinks and feels on a daily basis.

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And there's toxic versions and mature versions of the nine. None of the nine are right or wrong. That's right. Contrary to my wife's opinion, she thinks that she has the best one. Right, but she is the improver. Yes. Number one. Yeah.

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And I like that you gave me the terminology improver the other day when we were together at entrepreneurship. It helped me because before it was perfectionist and their love language is criticism. Right. So she's always improving me.

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Right. How's that working? Well, 38 years now. She's done a pretty good job. I've come a long way. That's good. So talk about the types, these nine types and what are driving them.

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Sure. So once are call the improvers. As you mentioned, Sharon is one. Their unconscious motivation is a need to perfect themselves. Others and the world tunes are called the helpers. Their unconscious, conscious motivation is a need to be needed, loved and appreciated by others. Threes are called the performers. They are their unconscious. Motivation is a need to succeed, to appear successful and to avoid failure at all costs. Fores are called the individualists. They have a need to be special and unique in order to compensate for what they perceive is a lack in the in their essential make up.

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Fives are called the investigators. They have a need to know everything to collect information and knowledge, particularly around a niche subject to fend off what feels like an overwhelming world to them. Sixes, the loyalists. They have a need to feel safe, secure and supported. Sevan's the enthusiast's, the joy bombs of the of the Enneagram. They have a need unconsciously to avoid psychologically and emotionally distressing thoughts and feelings by projecting into a future full of fun possibility.

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AITs, you know anything about age, Dave?

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I don't know anything about age. I am the consummate age.

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You know, when you read the book, it's like that chapter is my autobiography. So it's their unconscious motivation is a need to assert strength and control over the environment and others in order to mask feelings of vulnerability and weakness.

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That's for me and the challenger. That's what it's called. The Challenger.

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Right. And those are called peacemakers. They have a need to avoid conflict, to maintain connection and to preserve feelings of internal tranquility and peace, actually, both internally and externally. So one of the things that got me about this when I first started hearing people talk about it and when I picked up the book, and then it became a topic of Ramsey family at the lake house conversation on the back porch with Rachel, my seven going bananas and my my wife, the improver and so on.

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And, you know, the we're starting to go, okay, that's what you are. You know, I guess that's the first thing that happens when people discover this material. You try to do that is that. But one of the first things was you start to realize while you say, OK, that's who I am. There are toxic versions of each of these, meaning that they're they're their worst version of themselves. And then there are the more mature version that has done this.

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For instance, with the challenger, I, I like a good argument. It's how I process information. I enjoy conflict. Thus talk radio is just perfect for me. Yes. And and so probably when it all started, I was more masking insecurities than it is now. I'm not very insecure. I'm pretty comfortable in my own skin now.

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But but the the idea that I would rather engage and argue about something to come up with the answer that we both together wrestle it to the ground and excellence morphs out, you know.

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Yeah. Well, for you is an eight. Flicked his connection. Yeah, it's intimacy. It is intimacy. Yeah, yeah, that's right.

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So each of these kind of have a love language like that. Yes. A way of getting it at the improver wants to improve you. They're really trying to help. Yes. They're really not being critical unless they're unhealthy. And then their criticism bombs. It comes off the shame and judgmentalism. Oh, I roll. Yeah. Condemnation.

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Yes. I have met a few ones in that regard.

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OK, and so you are the four.

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I am. I'm an individualist and that's the one that the motivations that need to be special and unique in order to compensate for a perceived lack in the in their essential makeup. Yeah. Lots of artists, a disproportionate number of artists tend to be for that. You also call that the romantic, sometimes called the Romantics. Yes.

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OK, and each of these then has a wing, I understand.

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Yes. Like era. You're one of the ones on the other side of the other. So if you're a want to be a nine or two. Right, right. I shall wait. You know, you kind of have this Diffa, this. I don't know. You majored in one. Minored in another. Right.

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Great way to put it. Great way to put it. So you're an eight wing seven. Yeah, that would be true. OK, so not six.

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Not not nine. No, I'm not the peacemaker. Right.

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So you are more outgoing, energetic, fun, loving. Right. There's your sunny, optimistic seven side. Yeah. Comes out. We were just talking about water skiing this past week or particularly being on stage. That's when that comes out. Absolutely.

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But you're also sometimes not maybe more as a younger man than now, impulsive and reckless. You're the most impulsive and reckless number on the Enneagram. Yeah, we make a decision. If we don't like, we'll make another one. That's right.

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We don't we don't have problems making decisions. No. You know, and big decisions very, very quickly. You're also, interestingly, the most entrepreneurial number on the Enneagram.

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Well, that's not shocking for the because of the decision making and the conflict drive. Yes, that makes sense. That makes sense. But so the four is the individuals sometimes called the romantic. And so you said there's a lot of artists. So we're in Nashville. A lot of music people would follow. Yes, absolutely. I meet fores everywhere or I meet three's the performers who act like force because they think that that's what success looks like. That's going to spill because that's cool.

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Yeah. You got to be Caiabi individual. Got to be different. That's what the definition of cool is. All right.

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So getting off of the individual thing with each of us then.

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I'm assuming there's some valuable lessons about how we can approach money and how we can approach each other with these things, because what's really valuable is not to try to figure out what's wrong or right with me or what how I understand me. But if I know that you are a follower and it helped me relate to you, and especially if you're married, then how you handle money together as a couple. Oh my gosh, yes.

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I've been thinking a lot lately about finances and these different types. And I think what I've been able to be what I've begun to do is be able to identify specific challenges and strengths that each has and even maybe some goals each type has. Because I think as a data point, not as, you know, sort of the end all be all of helping people with finances. Right. But as a single important data point, personality does affect the way that you relate to money.

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Oh, sure. And your financial life. Right. Do you know what it is? You can save yourself a lot of time and heartache, so.

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The peacemaker might be a safer. No, no, no other giver. No, I'd say I'd say that the saver is the one. In fact, I would probably bet that most of your coaches are ones.

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You got a lot of one coaches. OK, I know you have a lot of fans here at headquarters. Yeah, we do, yeah. We got a lot of perfections in the building, so we got a little bit of everything for sure. Ian Chron is my guest. The road back to you and Enneagram Journey to Self Discovery is the book. You can pick it up anywhere. Great books are sold. We're going to have another segment with him and talk about some other offers he's got for you guys to learn about the Enneagram process and also talk about how this applies to money.

[00:28:58]

This is the Dave Ramsey Show. My guess for these two segments, my friend and Chron look, is the road back to you and Enneagram journey to self discovery. You can pick it up anywhere. Great books are sold. Of course, Amazon.com among those. You can listen to his podcast. And most of the energy personalities have been analyzed on the podcast by Ian and had their had their Enneagram broken down, including me. The other day we taped one.

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So it'll be coming out in about six years, probably. I don't know how far back in the can you are on those things, but we tape one just the other day and then Ian spoke for us here at the NRA Leadership Summit, was hugely popular with the leaders there, because this idea of understanding yourself, why you tick and how others make decisions is absolutely, absolutely a big deal. Typology is the podcast. Make sure and check it out.

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Typology also. He's got an offer.

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If you'd like to do the Enneagram assessment, just go to his website.

[00:30:31]

Ian Siân, Ian Morgan Krahn. That's S.R.O. in Dotcom, Ian Morgan, KRON dot com. And if you use Dave Ramsey about your code, you get 20 percent off on the assessment. If you want to take this assessment, it's worth doing. And it's you know, you and I were talking about the other day when we were taping your podcast, that ever since I first saw the house or the disc or the strength finder stuff, some of that 30, 40 years ago was the first time I saw the stuff.

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And I was just starting this was starting to raise up and get everyone's attention to the point that we've got a disk profile on everyone's desk, but there is a part of their nameplate in the entire building. So when I walk up to someone DHC, I can kind of at least know how they're going to function, how they're going to make decisions, how they're going to react, what you know, what some of the weak spots and strong spots are and so forth and.

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You know that, again, the Enneagram, I guess, gives us a tool to to grow personally and know what your natural strengths and weaknesses are, but also to those others. And then it takes us into this idea you're talking about of handling money. So let's talk through the nine and how they handle money.

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So the improver is a safer saver? Yeah, I say that by nature, they're the most financially responsible number on the Enneagram. OK, they're very organized, self disciplined, conscientious. They like systems and protocols. They like the feeling that they believe that it's appropriate to be financially responsible. The thing they have to watch out for is be if they're not healthy, right. Is they don't have a line item for fun. Yeah, yeah. You know, and they need to do that.

[00:32:13]

I'd say to helper's the challenges they have really are they are their finances are driven by emotions and and feelings. They can tend to be overgenerous with other people enabling and yes, enabling. And actually I have a story about that. A new teacher, a retired teacher who was a to found out that her daughter and son in law bought a house. They got in over their heads and daughter shared with her without any expectation that mom would do something right.

[00:32:45]

And sure enough, Mom shows up at the door with a two hundred and fifty thousand dollar check in our plan to help them pay it off interest free. And of course, you know where that ended was resentment and broken relationship.

[00:32:56]

Well, you know, so Tuzer, I think a challenge for to is is to find a partner because they're so interpersonal to help them work together on being financially accountable.

[00:33:08]

And the performer achiever might be a spender, might be a spender, might be prestige purchases, could be status, simple purchases as a way to signal success. However, they love metrics, targets, goal setting. And so for a lot of them and they're motivated by sort of tangible results. Right. So lots of threes. I know, actually. Love. Being financially responsible and it's love watching the markets, what's happened today with the debt snowball actually in that debt go off the positive traction?

[00:33:48]

Yes, definitely a clear plan. Goal setters. Yeah, they need a clear plan or they get depressed. Yeah, that's fun.

[00:33:55]

And you the four. Well, you know, romantic individualist.

[00:33:58]

Yeah. Fores. The challenge for fours is they love art, aesthetics, beauty, and they can become uncompromising in the sense that, you know, they don't want the the signed print. They want the original.

[00:34:11]

Oh yeah. Yeah. OK. All right.

[00:34:14]

You know what I'm saying. OK, so. Yeah, no, no cheap stuff. No, no.

[00:34:18]

I don't want the cheap stuff but so what they need to do is moderate their feeling centredness with critical thinking. Right. More facts, fewer feelings. That way they can become more financially responsible.

[00:34:30]

There is static driven so they will over decorate the house.

[00:34:33]

Yeah. And that wouldn't be cheap. Originality don't come cheap, you know. All right.

[00:34:40]

Number five, the investigator, you know, the investigators are fascinating because they're by nature minimalists. They don't need a lot of stuff right now.

[00:34:50]

Where they could run into trouble is they'll spend all their time researching financial topics. You know, they'll know everything about the stock market. They'll know everything about mutual funds versus the stock portfolios, you know what I'm saying? But they don't necessarily execute on what they learn. Right.

[00:35:04]

A lot of ready, aim, aim, aim. Yeah. Yeah. And they also have a scarcity mindset, which they have to be careful of.

[00:35:14]

You know, oftentimes say fives to remember the gospel idea that, you know, the more you give, the more you receive the loyalest six.

[00:35:24]

Yeah. Well, you know, they want to feel safe, secure and supported in the world. They'll turn to a lot of outside experts to look for help, which is a good thing if it's the right expert. Right. Of course. I think four six is their worst case scenario thinker's. So trust me, they have emergency funds for them. You know, failing to prepare is preparing to fail. Right.

[00:35:47]

So that's a wonderful thing if I love Sixers. Right. Because they can be very generous, but they're they're traditionalists. And so they're going to work hard to maintain good financial systems if they're healthy.

[00:36:01]

The enthusiasts, you got a seven at home around overspenders. Yeah. Spender's man, they love the finer things of life, don't they?

[00:36:10]

And the experiences. And they pay money for experience. Hey, let's go to the Patagonia's to go fly fishing on, you know. Well, I got ten bucks in the bank. Right, exactly. So, you know, they're distractable.

[00:36:22]

They struggle with impulsivity. They're the ones at the cash register who cannot bypass whatever the cell is at the cash register. You know, now they're thinking types. So they can actually be very good with money, especially if you can teach them a little bit about delayed gratification and how to learn to say before they buy something. Is there something I'm I really want down the road that if I bypass this, I'll be able to do down the road.

[00:36:50]

So if you live like no one else later, you can live and give like no one else. But very specifically. Right. Yeah, you drive like no one else. Later you can get a good car.

[00:36:58]

That's right. That's right. So now you etes are really something because I think there's two kinds of eights, maybe you'll recognize them. Maybe a different seasons of your life. The first kind of an eight is one that play, you know, works harder to play harder.

[00:37:13]

Right. So they'll work harder than everybody else. They'll make more than everybody else. They're going to use that money to play hard to write. Yeah, nothing is done except wide open. That's right.

[00:37:22]

No dimmers. It's on or off, baby. Yeah. It's one of the other words. You weren't born with a rheostat. Let me tell you right now, you know, there can be very content people, but they have to be careful that they don't become stubborn and not listen to other people's advice about what to do, for example, with their finances.

[00:37:40]

You mentioned something the other day that that caught my attention. And I had not put an exact you said sometimes the eight, their driver is lust and not in a sexual way necessarily, but they lust for things. Or and so what I end up doing is I collect stuff. Yes. I'll go on a tangent. Yes. And so I have a collection of this and a collection of that. Yes. Collection of this. Yes. And I can't have to know I have two hundred of whatever it is.

[00:38:08]

That's that's right.

[00:38:09]

And that's also because you're attached. We don't have time to get into this to the fives on the Enneagram and fives have sort of a hoarding sort of a thing. They love collections of, you know, you find stacks of National Geographic's and records by this artist, you know, vinyl records of this or that and, you know, so. Twenty seconds on the lines. The peacemaker. Oh, they're fantastic.

[00:38:30]

They are. They're the thing that needs have to be careful of is they're easily distractable.

[00:38:36]

They. Tend to go with the crowd, and so if the crowd's doing something that's expensive, they may just go with it if they're not on the money, even if they don't have the money. So peer pressure, so they have to number one, I always tell nines, you got to have some kind of you got to have an accountant. Yeah. You got to have somebody you know, you've got to have a yes. You've got to have a new person in your life.

[00:38:55]

The road back to you. Ian Morgan. Ian Morgan Freeman is my guest. Be sure and check him out at Ian Morgan KRON Dotcom and check out the podcast Typology. Good to have you, my friend. It's always great to be here. This is The Dave Ramsey Show. This is James Childs, producer of The Dave Ramsey Show. Once again, you made The Dave Ramsey Show, one of the top four most popular podcast last year to get your daily dose of motivation and inspiration from the Ramsey network.

[00:39:32]

Subscribe or follow today wherever you listen to podcast. If you're looking for fun and practical ways to save money in your everyday life, you need to check out The Rachel Cruise Show, a podcast from money expert and my daughter, Rachel Cruze. Hey, guys, it's Rachel Cruz. And I'm so excited to tell you about my podcast. A lot of people are living paycheck to paycheck. They're in debt. They don't even know where to begin. But they have this need this want to get in control of their money.

[00:40:00]

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[00:40:12]

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[00:40:18]

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.