Duck Call Room - Dave Ramsey Meets Uncle Si’s Finances (Willie Knew This Was Coming)

Episode Date: January 29, 2026

Willie drops in with his buddy and financial guru Dave Ramsey, and things immediately go sideways when Uncle Si starts explaining his unique approach to money. Martin leans in on Dave’s advice for parents trying to raise money-smart kids, while Phillip does his best to quietly rein in Si’s spending habits whenever he gets the chance. Dave shares hard-earned wisdom about work, discipline, and making smart decisions when it comes to living within one’s means. Duck Call Room episode #522 is sponsored by: https://preborn.com/duck or dial #250 and say the keyword BABY — Just $28 can help save a life! https://drinkag1.com/duck — Get 3 FREE AG1 travel packs, 3 FREE AGZ travel packs, plus FREE D3+K2 and an AG1 Welcome Kit with your first subscription order when you use our link! https://tecovas.com/duck — Get 10% off when you sign up for email and texts. https://trybeef.com/duck — Get 10% off your first TriTails box straight from their ranch to your door. - Learn more about your ad choices. Visit megaphone.fm/adchoices

Sa, put your heads out. Let's do a podcast here. I think he's already kicked out because we got Sai warmed up now. We got a money guru. Hey guys, welcome back to the duck car room. I'm your guest host, Willie Robertson. We have a special guest in the house today. None other than Mr. Dave Ramsey. Welcome, Dave.

Welcome. I was an honor to be with you. Dave Ramsey. Now, we did a podcast early on Unashamed. Jace had never heard of Dave Ramsey. What? So I just want to make sure. Well, Chase, he's a good guy.

He just couldn't get out. Yeah. That actually shocked me. Because Jay, oh, Jay's thanks he's such the money grue grue here. Yeah. Oh, yeah. He says he's a money grou, but hey, we got the real money deal this way.

Yeah. And we know, I got a list of money questions because Uncle Si said you're never too old to learn, especially about cash. And we were talking a little bit about poker, which has probably been one of the biggest detriment to Cy's money. I've got two vices. Okay.

One of them is poker. The other one is women. Oh, my goodness. Oh, no. You've been married for 70 years. Well, no, no. I'm right with Jesus. Okay.

I'm talking about it all the time. just sounded weird when you well i'm just saying okay but that's the only two things what will really get me in trouble and that poker you used to not play poker hey not to go too far in poker right well yeah i'm not going to lose but just so much right what's your limit how much how much is too much hey hey he don't he don't know no limits well i can tell you when when is it too much that's why he like when i feel bad when i lose it oh okay how much is that it's sometimes we don't know we don't We know. It changed.

Three thousand. It changed. Oh, thousand. Oh. It takes a lot for him to feel about. Well, no, no. Well, look, we play with a bunch of idiots.

And, hey, and I'm included in that. You're one of them. Okay, because, hey. It's a happy band. Yeah, they don't know what the word F-O-L-D means. Right. Okay. And not only that, I finally, me and him finally come to our senses,

as the Bible says it was the prodigal son. that we used to play four cards, five card, three-toed piece, whatever. All the games. Any game that you can risk a lot of money on. Well, I just finally said, hey, now this is insanity here. Because if you're spitting a pot, that's a bad game to begin with. So, Dave, you came to town. y'all do this morning we did a little duck hunting i hunted duck with the dynasty man yeah it was a deal i mean

i got willie and sigh and jace all out there and i actually only stone stone i had a bad day today i only killed one did you i normally kill about 35 50s percent of it okay all right okay what is with it this mic well every time you take a drink every time you take a drink you have to take the Mike down. That's my hot chocolate is doing it. Yeah, this is hot chocolate. Yes, Sa, why were you being so quiet today? Did Dave intimidate you?

No, I was trying to figure out here what they was telling him because this man laughed all morning this morning. And I looked and I was listening and I said, I ain't heard nothing funny. Well, you're immune to it, Sire. Well, you must have enjoyed yourself though. I did. I had a blast. Yeah. because James was doing most of the talking

and I said, Shocker. Yeah. Yeah, and I said, Jason's blowing smoke. Yeah. And I said, Dave don't know it, but that's fine.

That's okay. And Jason's dogging me saying, I'm not talking. And I'm like, there ain't enough air in this duck blind to get a word in edgewise. I'd say, yeah, if you have,

that's why most of the robbers are bold. It's because when I was growing up, if you didn't scream, no one listening to you. You had to make an issue of it. You better speak up and you better be interested. Oh, yeah. Well, you got some sight.

Yeah. My favorite thing that happened this morning was Jace was telling Dave how hard it was to do four podcasts a week. And Dave never said a word. He's like, man, I bet that is tough. How many hours? Oh, my goodness. It was my favorite thing that happened. I was like,

that's funny. Gase never realized what hard work. Jace, what? He hadn't realized what he's forgotten what hard work really is. Yeah, well, in his defense,

he's actually doing a show where he has to prepare each show. Wow, that's true. When I do a show, I just walk in there and we start answering the phone call. Has it always been like that? Yeah,

I've always answered the phone call. It started as a talk radio show. No, No preparation. How can I prepare? I don't know who's going to call. Hey, how do you tell? I didn't know it.

This is a brother because he's improvs. Forget the script, boys. Go live. Just improv at all. Improv at all. The whole thing is improv. Yeah, it's people call in and ask a question. We don't know what they're going to ask.

So how do you prepare 30 years of answering them questions? It's about the only prep we got. So that's a. And I know, I know just from knowing you shortly. You answered, your answers were exceptional. Bless your heart. Thank you. Oh, I'm serious.

Because look, it shocked me. Because my fans, okay, and our fans for this podcast, they come in, they asked all kind of questions. You know, I really just thought I was with a bunch of knuckleheads. But they really impressed me with all the good answers that they gave the fans. Yeah. I said, I didn't tell them. I said, boys, I always thought y'all was just to bono's a stupid knucklehead.

I said, but since we've been doing this podcast, y'all have really impressed me. You know, you actually got good things to tell people that are having trouble with issues. There you go. Yeah. And that's, I mean, that's rare. Right. Because most people blow smoke. Right.

You know, and don't give you anything to really fight what you're fighting. Well, I'm sure you've helped in that as well. You've given people. Well, no. I was shocked that we all did. Okay, well, I was in. Amen. More shocked when I give them some.

Okay. Yeah, I was wondering if you were more shocked that the uncle had to do. So tell us what's happening. What's going on right now? Tell us your whole life. Well, it all began. What's the point of time? Little baby Dave.

Little baby Dave. Was little baby Dave tight with money? Like when you were. young were you like no budgeting and stuff and no i um blowing it no i i always was good at making money but i wasn't good at keeping it so i tried to out earn my stupidity for a long time you i bet a lot of people do that yeah oh you have one of my problems oh oh he had one what was it uh i keep in my bunny oh there it is yeah that's why i am with poker i can win it i can win it faster than anybody that we play with okay and have a good snack you got to leave at the end of the night but i

don't keep it. There you go. There you go. Well, that was it. So, I mean, my dad is old school, come off a farm. Mama did too. And so, you know, I came in one day and said,

Daddy, I want to go down to the quick sack, get me an icy. He said, I don't think you need money. I think you need a job. I was 12. He took me down on the main drag down there in Nashville and printed up 500 business cards, said, Dave's lawns.

I'm going to knock on 50 doors and get the opportunity to cut these people's take care of these people's lawn care. Well, I did it, and I got 27 yards to cut at 12 years old. I think they call that child abuse. With the pushmore. That's it. Hey, that's what I look at today.

And when somebody comes and says, oh, well, you're going to mo, you yard, Mr. Robertson? No. But when he told me the prize, I said, no, get out of here. Well, my wife hired him later. Well, there it is. The only zero turn we had was we turned that pushmore. fast. Yeah.

Yeah. Yeah. So I made me keep a profit and loss statement on my little business. And that's how I learned how to make money and, you know, figure out if I was making a profit or not. So long ago, the dinosaurs are roaming the earth. But the minimum wage to be a wopper flopper at Burger King to go down there and flip woppers, right?

It was $1.65. And I figured out with a $3 yard that if I could cut it in one hour, I was making about double minimum wage. And so I always try to make money. more if I was going to be self-employed and work hard, then you make working for somebody, right? And so that started the whole thing. And then I've been self-employed almost my whole life from that.

But it was a good lesson, hard work. Alice is sweat. That's the one thing. Everybody don't ask me, you know, you seem like your anti-education, Uncle's Sight. And in a way, I am because it's just what you said. Yeah. I had people before me that was my friends that had graduated.

went to college, had two degrees, and guess where they're working? Yeah. At McDonald's and Burger King for $1.65 an hour. Yep. And I said, wait a minute, you wasted how many years to get this? And then every time you go for a job interview, what does they always tell you? Oh, we can't use you.

You're too educated. So in a way, it did. You said Phil had two degrees. Well, I know. Maybe it's the degree. Maybe they got their degree in left-handed puppetry. No, no, no. Hey, I've always said, okay, my hat's off to anyone that will go and put up with all the BS technology spew out.

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podcast a little bit. We've got two generations now that have grown up with a magic wand in their hand. Yeah. That's a dangerous thing. Everything's easy. You just push a button stuff shows up on your porch. You push a button. You've got to answer any question.

You push a button. You got an easy button. And that's not bad because the good news is they're abundance thinkers, these two generations. They think anything's possible because anything's possible. And so they really think big. And there's a bunch of them are really good. I got a whole bunch of them working on our team. We've got about 700 Gen Zs and millennials on our team.

And I love that generation. But they're impatient. Yeah. They want stuff fast. They want stuff fast. And sometimes people think when they're impatient that they're being entitled and they're not really being entitled. They just are used to stuff happening quick. Yeah. And we just have to teach them the way you cook barbecue is not the microwave. You know, I mean, the way stuff happens is slow.

Good stuff happens slow. To teach your kids to do hard things, was my point. So like daddy taught me to mow that grass, you know, you get a callous on your hand and, you know, you don't, you sweat and you got to make Mr. Carnahan happy and Mrs. Parnell got to get her bushes right and all that stuff. And once you know how to do that stuff at 12 years old, you do a lot of stuff. You'll teach your kids how to do hard things. It's not punishment, but hard things make life good. Well,

that's the difference between, like, my childhood generation, okay, and now. Yeah. Because I'm like you. You know,

knock on the door, mama answers it. Come in there, I'm still asleep. You know, the farmer is knocking on door. It's hay hauling town.

So he usually got time in field to haul the hay. Well, now they've moved into the higher bracket. They're working for daddy in the oil field, making more money than what they did at holiday. So I'm like 10 years old. Yep.

Y'all, and they say, well, I've got to have somebody. Y'all and Mama said, well, good grief. He ain't but 10, Jimmy, yeah. And he said, Mr. Robertson, I'll take care him like he's my own son. I'm going to work him like a mule. Yeah, but I'm going to work him like a dog. Like a rented mule. Oh, hey, here I go.

And look, you know, when she broke my heart, the first paycheck, I've already got all these big things I'm going to do with my paycheck. Well, the first thing Mama does when I get the paycheck, she snatchedes out of my hand and she said, school clothes. Oh, you got to pay the man. Yeah. You got to pay the man.

Now you got to understand what's going on. Yeah. Not only did you pay taxes, but now you're going to buy, you're a working man. You're going to buy, and I got the working man blues. You're going to buy your own clothes. And look, kids today don't realize it. I mowed five acres for like a dollar or acre with a pushmore. Yeah.

Nowadays, hey, you need it an agent. You got a green in your yard, okay, and that's all you $400 to mow it. You know, they make some serious money with this, you know, lawn care of thing. Yeah, it's a big deal. It is a big deal. one of the things that I learned about Si when when Duck Dynasty got big and you know he pulled me in with him and said

hey hang out with me make sure I don't do anything dumb is your one job is to keep me from being stupid and I never can do that no but I will say that sigh did pretty good with his money and his investments and I think it's because early on

he learned a lesson from his uncles is that your uncles that made the money Oh, yeah, John Hale. And what happened? Well, there's that family and his family and the brothers. They saved like $20,000 working their tail along in the oil field. And then they sunk a well themselves. You know, they're the owners.

Well, they're lucky, and it blew the top of dirt out. Well, you know, here you got country boys, redneck country boys, poor snakes never had any money well now they got like anything they won't they got the money for it and it ruined it ruined john hell's life he lost his family

divorced bankrupt because he didn't know what to do with you know so that did that my grandpa used to say enough of anything's too much no no just think about it a little redneck Yeah. A young man in his early 20s. Yeah.

Yeah. And he's went from poor as a snake, okay, to a billionaire, a millionaire. He's got all. Mm-hmm. Well, it ruined it. Yeah. It'll do it. That's anybody.

That's not just redneck something. Well, no, no. That's another thing that Robertsons impress me with. Okay. And Al was the reason why. or your older brother because he said, hey, guys,

if his thing becomes a big hit, not only is there going to be a lot of money involved, well, the devil's going to get involved on us. You know, and he was right. Yep, he's right.

Because he said, hey, look, we need to make... He doesn't pay attention to you when you're not bothering somebody. We need to make a covenant with each other. Hey, nobody's going to get stupid. and run off the reservation in case this thing gets picked.

That's one of my favorite things is when Dave says, stupid, stupid. I like that. Well, it's, and I, you know, I've done stupid myself. I've got a PhD in D-U-M-B, so people know that I can, I mean, they know what stupid looks like. So it's not, it's not, it's not, I'm calling you stupid. I'm saying what you did was stupid. I've done some stupid things. I'm not stupid.

But I have done some really stupid things. my life. So with money and everything else. And so the older I get, the fewer of them I do. And I think they start to call that wisdom. Exactly. What's the best thing about being a financial advisor? And what's the worst thing about it? You know, we're really, the weird thing is, is Jesus said your treasures where your heart is. And so what we end up being more than just some kind of mathematician, you know, hocus, focus, financial advisors, we're really just teaching people I live their lives well. And just this is a clean way to live your life. And so there's some, something about your spirit that has to change for you to live on less than you make.

There's something your spirit has to change to say, no, I can't afford that to deny yourself. There's something about your spirit and your emotions and your relationships and all those things are woven into the money. The money, Larry Burkett used to say money problems are not the problem. They're the symptom. They're the symptom of something else going on. And so we end up working with the real problems because they bring us the symptom. And so we get to be in their lives in a very, very deep way.

and we figured out a long time ago. The way we say it around our place is personal finance is really about 80% behavior. It's only about 20% of head knowledge. So it's more about the guy in my mirror. If I can get that guy to behave, he can be skinny and rich, but he's got issues. There you go, sir. You're skinny and rich. No, he hit on what I've always wondered about.

I've met a lot of really rich people and they was miserable. So money, money cannot make you happy. No. Okay, because it goes to where you were talking about. Exactly. Exactly. Yeah, when I was a little kid in Nashville, they, uh, you know, back in the 60s and the 70s, my, uh, you know, there weren't, weren't any big time chain restaurants. It was just regular old meeting three type stuff.

And then this, this restaurant came to town over on Murfreesboro Road about 10 miles from us. And my dad was in the real estate business and he got a commission check and he said, we're going to go out to this new restaurant. And I was 12 years old. I'll never forget it. We didn't even there. And we got lobster. With drawn butter. Red lobster.

I was just excited. Red lobster. It was brand new. I'm mouth watering right now. With the free baskets. The only thing I remember about that meal was I'm going to eat this again. I knew I'm going to do this again. But you know what?

Just what you said. So it's true. Lobster is awesome. And it's amazing. And I still remember that to this day. But if you eat enough lobster, it tastes like so. Enough of anything.

I have not acquired a taste. I don't know. I mean, you can eat too much of anything. It's tough. But I tell you what, I'm going to go try my best. You'll give it a shot to see if I can make an officer. You get satiated with anything. If you do it over and over and over again,

no matter how nice it is or how good it is, it's not designed to hold your hope. It loses its more. There's only one place that can hold your hope, and that's the nail-in-house. You've been as satiated, hadn't you? Well, no, no, it loses his lure. Yep, exactly.

You never. Because I just, but this is so profound to me because I'd always wondered, you know, you've got all the money in the world. Why can't you be happy? And there's, are you talking to Dave personally? No. Okay. There's people that are happy, too.

Well, no. Yeah, that's right. But it's the reason you're not happy, you're, you hadn't got what I've got. Amen. And that's the fruit of the Holy Spirit. Me and him talk about it every time we get on the road. Long trip. I got to step out.

I wanted to introduce you to my friend Dave, who's in town. I'm going to actually go, I'm going to go find somebody who I really feel like need some financial help. So whoever comes in this show. Wait a minute. Did you all just get back from lunch? And who paid for it? I want to know.

Did you use your credit card? Yeah. Where's a bailout? Of course. You're in trouble. Well, I left my envelope thing at home. Just in case of just in case of job. giant celebrity comes in.

Hey, and he can't. I had $9.50 and I left it, so I had to use the emergency card. I pulled the sticker off, called the code in. Here we go. Get the shovel. You don't want no pressure. Pressure is when you lay that credit card down with Big Dave. You're going to please go through it.

If that thing gets rejected, we're in trouble. Make sure you don't bounce. All right, I'm going to go find somebody that maybe. We need some real financial pieces. All right, well. There's no right time for better health. Look at me. I'm sitting outside of my porch, freezing to death.

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I'm glad I got set up for this. Wow. Hey, how are you? Good to see you, brother. Good to see you, man. You behaving? As much as I can be. Good.

Which is not very much, but we'll manage. No, I'm glad to be here. I'm glad Willie set me up for needing financial peace. Hey, he's got you. Hey, if you could talk to the guy that pays me, I could probably have a financial peace. He's already took off. I'll get you some of that. If you could talk him into paying us a living wage, then perhaps we have financial pay.

Hey, well, like old Becky coming in here and had a bunch of checks signs, I said, hey, finally, sign them, do something you're good at. You mean me my money. Don't you talk no trash to Becky now. She hands out all the glue. No, no, I was talking. Oh, Willie. Oh, yeah. I was telling him, hey, that's what thing you're good at.

Sign the check. Yeah. Put your signature somewhere and we'll call it good. But no, I was, yeah, we've jumped around schedules all today. So we let the boss fill in. So y'all were hunting with Kirk Cameron and his crew. And then Dave was hunting with Cy and the other guys. Yeah.

Yeah. So it's been, I don't know, we're just open duck season back. And I got in from South Texas late last night. So I'm just. What was you doing over there? Shooting cranes. Oh, Sanfield. Oh, did you bring any home?

I fixed out. Did you bring something to cook? I didn't say. Oh. He didn't say. He brought some, but we ain't invited to come eat them. Well, wait a minute. Everybody's been screaming about how good you. That's what I'm talking about.

I'll feed you, old man. Okay. And I brought some home with me. All right. Yeah, no. Well, damn good. We'll do that on the podcast. Yeah.

Okay. Yeah. Sure. Hey, and we've got a grill out here. I don't have that many of them, but we'll make it. Everybody can. If you insist on that. That method, everybody can get a little taste.

Yeah, they'll get a little taste. They can actually say, oh, I have the fine ribby. He is good. And he'll cry. He is good. I'd have more, but we hate some of them while we were there. That's all right. Some of them were flying.

Then about two hours later, they were on a grill sizzling. Okay. What about Dave? Did you shoot any this morning? Yeah, I killed two. There you go. I got one in the air and one landed. Hey.

One landed in there. I think I took the first one. Jay says, Somebody saying, shoot it. Yeah. Somebody says, shoot it. Boom. I like that.

That's good. Dave's a groundswater. I said, I knew we were going to get along. That's good. Doing what I was told. Amen, buddy. Following the guide. Hey, when you trick them to land on the water, shoot them on the water.

That's where I stand. I've been picking Dave's brain, but every time I ask the question, Cy answers it. So I hadn't got everything I wanted yet, but I've got lost from Cy. Has this happened before? Dave, I know. I do have one question. No, no, you stop.

There you go, Martin. Holy man. You're not. Because I want to know. I'm going to take a hot chocolate. No, I want to know Dave's opinion on your poker problem. Dave, go. It was already discussed.

Oh, okay. I think we determined. I hate I miss that part. I'm going to have to watch the first part to figure out. If I understood the summation of the first section, it was size poker problem is Willie. Bingo. Yeah, that's a good one. Willie is a bunch of more problems.

Oh, man. It's a spiritual gift of Willie's. Yeah, size poker envelope would be a lot bigger than them other ones. I'd say that. It'd have to be a manila one. It'd have to be one then with a long thing in the brand. I got on him about that. What?

Because I told him, we've got to talk about, you know, education and all this other stuff. And Willie got to teasing me again, poking the bear. And I said, well, hey, I said, hey, I don't mind. You get your cut. I said, and I know I have given you a pig cut. Yeah. And I said, but I don't mind. I said, because I get mine.

Yeah, everybody gets married. And I said, because, hey, you put up with a headaches and I don't. Hey, look, I follow you boys around and the crumbs are good. Hey, you can get more, but the crumbs are fine. Yeah, yeah, I be greedy. The crumbs are enough to sustain. Yeah, don't get greedy on us. You know, but no, what do you have, Phillips, since I've been answering everything?

Well, I was, actually, I was asking some questions about the best thing and the worst thing about being a financial advisor. And so I got to, they started talking about that a little bit. Yeah. What's some of the worst things about? I mean, are people watching everything you do and, you know, just checking you out like you're under a microscope? Do you feel like that ever or not anymore? Yeah, I mean, but I, that's fairly easy because I am who I am. Yeah.

I'm not saying we're doing one thing and then doing another. So I don't give it, tell somebody to do an investment unless I'm doing it. And so, you know, it's pretty simple. And so, you know, I go into a restaurant and somebody's like, you know, I put my debit card up there. And somebody's like, some stranger will walk by that says, is that, Dave. What is that, Dave? And I think, I mean, I could get away with a lot of stuff, but probably couldn't get away with that, you know. But no.

So, I mean, yeah, people, but that's a fun thing. It's just, it's who we are. and we kind of made our living on taking a countercultural stand, living on less than you make, hello, living on a plan, actually getting along with your spouse about money. That's pretty strange. Yeah.

And we actually do the stuff that we teach. And so it's pretty easy. You don't have to remember to, you know, be one person in public and one person later. It's if you're just one person, it's a lot easier. You can see it.

Be who you are. Yeah. Yeah. All the time. Life's a lot easier when it's just a matter. math problem. Yeah, right. I mean, it's not that difficult.

Like input greater than output and you're going to be all right. But we used the word stupid in some of the stuff we've said today. Yeah, yeah. Yeah, yeah, just like things. Have any of them came to you for financial advice and you gave it to them? And they were stupid and didn't really take your word from. Oh, I'd like to answer this for Dave. Yeah, every day.

Because we, you know, we're on a, we're on like this. We're on a microphone and we're listening to the call. coming in, like if we took a call right now, we would only hear it. So you've only got one of your senses using. You're only using audio. And so you can tell when somebody's light bulb is coming on and they're going to go do it or when they're not going to do it. Like I'll be sitting and talking to somebody. I talked to a lady last week she called in and she said, you know, here's what's going on.

I said, how much do you own your car? $50,000. What do you make? $60,000. I said, well, you know, this math doesn't math, honey. You know, this car is stupid. Mm-hmm. You know, and I don't know how, who even gave you this loan?

This is ridiculous, you know. And I said, you know, you need to sell the car. And she says, well, let me ask you about my retirement. I said, okay, ding, ding, ding. You're not going to do it. Didn't like that answer. Moving all. So we're going to try to switch gears.

And no, honey, that's not how we play here. So listen, you're going to have to sell the car because you're not going to have your retirement. You're going to be eating dog food. So you're going to fix this. And this is stupid. And I said, you're not stupid, but the car is stupid. It's in the stupid column.

Look it up in the dictionary. You'll see a picture of the car right there. And everybody listening all over America, no, she's not going to do it. Yeah. And I know she's not going to do it. And she's not going to do it. That happens every day. But it's almost part of the entertainment value of our show.

Yeah. And then the other side is when someone does go, oh, I thought I was going to lose my house. I thought I was going to lose everything. And they call us and they're hopeless. And you can't, you know, they're choking up. And they can't, they can't breathe and they're crying. And by the time we get a whole thing. phone with them. They're like, oh, I can just do those four things and I'll be okay in six months.

I'm like, yeah. So they leave with hope and you hear their voice change. You hear them sitting up a little taller. Their diaphragm changes. And so we get both and both are just compelling radio, compelling podcasts. You know, you want to listen to here. Not only the entertainment value somebody's just going to keep doing, you know, you call up and ask, you know, they call up and ask me. And then they start telling me. And I'm like, what are we doing here? Which one are we doing? doing. Are we doing the asking? Are we doing the telling? Yeah. So I, you know, I put them on hold and that means they can still hear, but they can't talk anymore. And I'm going to just move on to the next caller, right?

I wish I had that button for you. Hold on. Hold on. It was about what I was talking about what ago about, uh, uh, uh, wisdom. You're wasting. You're wasting. You come to this man is a, a financial guru. and you come to him and then you go stupid when he tells you something. Right, because what he's telling you, he's giving you gold here. The proverb, you know, proverbs said it. He hurt their feelings is what he's doing. Well, that's a good thing sometimes.

Well, I know, but I'm just saying, hey. Sal, you're fired up. You've been wearing your nice boots around or something? Because you're in a great mood today. Yeah, he's ready to go two-stepping, son. I'm good, boys. He's ready to go two-stepping in him to Kovas. Fine boots.

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Oh, man, that's great. Hey, I can confirm Dave's over here in Magellan pants too. So he's not wearing designer camo to silver price. This is right here at Academy. Okay. At Academy. We're talking to Academy here, but yeah. He's talking about it.

Making a run. Yeah, making a quick run. He said, I need you to keep spending that money at Academy, by the way, because they pay me. So, uh, you could,

if you can help me out, I'll help you out, Dave. How about that? I got no advice, though. I think we just keep doing what you do. I think you just got your mention in.

Yeah. Yeah. Yeah, you got paid a little extra. That was, what about proverbs? You were bringing something up. There's a book Andy Stanley did

called the path, the principle of the path. And it all comes off that proverb that says the simple, see danger and continue. on. The wise see, and are punished for it. The wise see danger and seek refuge. And so that's what happens with these calls. As someone calls in, I go, look, this is dangerous. But they're going to continue on. And I've been simple, foolish, stupid, whatever you want call it. But I am not, but I have done things that follow in that category. Same thing with our callers. I don't,

you know, sometimes I get the hate mail. You shouldn't call people stupid. I don't call people stupid. I call some of the things they're doing. That's right. And that's different. And that's my favorite. It's their action that's stupid. Yeah. Yeah. Okay. And they should have enough common sense. And especially when you get talking about wisdom.

I remember when I was going broke, we were losing everything in my late 20s. I got the opportunity to start over. I was sitting in my recliner in the morning and Bible opens randomly. Hit Romans in this five three. He says, rejoice in your suffering. And I went, I don't want to. Yeah. That sounds like fun.

No, no. You just have what I've always. Suffering produces perseverance. Yo, Jason. And perseverance character, character, hope. Jason did a real good sermon on that because I always had trouble with that. Well,

you'll suffer for Jesus. Yeah. And I said, wait a minute, yo, I really don't want to go that route. I'm like you. Yeah. And Dave, is that where you really turned it around? Well, we were at the bottom there. And I don't, you know, somebody said, how did you bounce back?

And I said, when you fall that far, you don't really bounce. it's more of a splat. You just get back on the horse. It's not a dead cat bounce. It's just a crawl. No, no, no. It's like when you fall off a horse. 38 years later, I'm an overnight success.

You got to get back on him. Yeah. And life's the same thing. Did you hear that, Cy? What? 38 years later, he's an overnight success. Yeah, it just all happened one day, right? And then people say, people say silly things like, you're so lucky.

Yeah. Yeah, boy, I was lucky. I'm broke. I miss the part where luck showed up. It didn't feel lucky. I remember the part where hard. hard work showed up. I remember the part where tears and calluses showed up, but I don't remember when luck showed up. I remember the part when God's blessings showed up and protection showed up.

I can point those things very clearly in that 38 years, but I can't, I have trouble landing on exactly when luck showed up. I'll answer, I'll answer that question for them. Okay. No, it's when I came to my senses. Yeah, that's good. I tried it my way. You're right. It was rotten. Okay. I guess it was. was in charge me and you can do that i wasn't making the right decision you can do that in a spiritual way you can do that in any walk of your life and in a financial way because i've i've listened to some of your shows dave where uh i hear you know some lady on the phone she's crying there's no way out it seems dark and hopeless and the next thing you know like you said that light bulb goes off

and she understands there's a way out you know and that's good even for the fans to hear that's like your sister when she yeah met you that's right and then i'm disciplined appeared and then come back. Yep. I said, well, okay, I've been, I've been looking for this all my life. Yeah. And when I met her, I said, well, wait a minute. So let me tell Dave.

You tell me that you've just been looking for this all your life. Well, then why ain't you moving on it? Yeah, so I met my sister that I didn't know I had. Oh. And so, yeah, we got together. It's been great. Her name's Kimberly. She's awesome.

And she became a Christian recently because she was looking for something to fill a void. Sure. You know, that nothing else. could feel and that's exactly what it was. That's what size talking about. You're looking for the fruits of the spirit. Amen. The priest.

Pascal's God-shaped hole. Yeah. Yeah. All the good stuff. Amen. Yeah. And then that's when God, that's going back to, hey, you don't know Jesus, you don't know doodly squat.

And you ain't got doodily squat. Because, hey, without him, you're never going to have self-control, joy, peace, brotherly, love, kindness, all the good things. all the good things comes from the almighty all the bad things that you blame on god that'd be satan himself responsible for that you and satan because you make the wrong decisions and that's where i was going back to the stupid no if you ask somebody and they tell you they've never been stupid they're a liar what you're talking about i'm still in there's lips are moving they're They're like our politicians.

You still there, Martin? I'm still an idiot. Yeah. Like our politicians. They're lips of moving and in line. Yeah, I'm still. Because, hey, I've done stupid stuff and, hey, me and him talk about it all the time. I think it's directly correlated with the amount of testosterone you have.

Stupid it. I don't know. I'm not getting better now that it's starting to wane that I've hit 40. You know, only you say that. We were just doing a, we just did a bunch of research the other day. And one of the recent pieces of research came back, the advantage of being married, that married men live on average seven to nine years longer. And I was talking to the Ph.D. in psychology that worked for me that was helping us with this research.

He's on the air, Dr. John Deloney. I said, why do you think that married men live longer? He said, wives keep them from doing stupid stuff. Yeah, there's a lot of truth to that. That's true. Yeah. Because if I was still single, yeah. Yeah, that's true.

Oh, no. Me and him when I met him. Uh-oh. Uh-oh. When we was younger, oh, yeah, that's bad. We had both went to hell. Yeah. And I mean, quickly.

Is that Martin's fault or your fault? No, I'm a sucker for peer pressure, especially back then. Not so much anymore. I'll tell you, nah, I'm good now. But I do, like for me, you never know how often you'll get this opportunity. But so say you get Delta Ham where you got twin three-year-olds, Dave. What's the best way to set them up for success? Good question.

Not me. Like, you know, I'm just, because there's a lot of people, a lot of our listeners, right in and and the other reason I asked is because Gobwin just had twin granddaughters. So we there's and John Luke's on the way. John Luke's got them on the way. Yeah. So there's so. Do not drink the water while you're here.

I'm way too old. Stop and get a bottle of water. Don't go out of the tap. I'm in Abraham's category. I'm out of that. But the, the, uh, the, uh, yeah, the, uh, you know, we, Rachel, my daughter and I wrote a book is her first best seller together called smart money, smart kids, how to raise kids to be money smart.

But it starts with the mom and dad being smart because she said more is caught than taught. How many of us have kids and we've opened our mouth and our dad come out or our mom come out? You're going to do what they do more often than you're going to do what they say or what they taught or whatever. So first thing is for y'all to, if you want them to live on less than they make and be self-controlled, we all have to be. If you want them to stay out of debt, y'all have to stay out of debt. If you want them to buy things and save up and pay cash for them, you show them how to do that and you did it. So that's the first thing.

Then the second thing is there's basically five things that anybody can do with money and teaching kids those five things. And they're really easy things. And teach them age appropriate. So three-year-olds, I mean, obviously we're not sending them to the salt mines. Okay. Yeah. But first thing is teach kid to work. We've talked about that.

Yep. We do that. Work is a good thing. It's good for everybody. It gives dignity. It raises confidence levels. It raises everything. And then when they work, pay them.

if they don't work, don't pay them. We didn't have allowance at our house. We had commission. You work, you get paid, you don't work, you don't get paid. I like that. We don't have welfare. Yeah. So this is it.

This is the deal. Work. And then when I pay them, then I get the opportunity to teach them the other things. And that as I get to teach them to give, love it, to be generous. I get to teach them to save and have a goal that's longer term than Friday. because many adults live, thank God it's Friday to owe God it's Monday. Yeah, we call them adults, but we're not real sure. And the third thing is that they need to learn to spend and enjoy the money wisely within the framework of staying out of debt and so forth.

So it's actually four things. I said five. It's actually four things to teach them to work, give, spend, and save age appropriately. So for a three-year-old, you know, what that sounds like, you know, I've got a, my four-year-old grandson was over at the house with Papa Dave. the other day. And so we're upstairs in a playroom and Mimi says time for dinner. And I said, okay, buddy, Elijah, it's time to clean up. And so when me and him clean the toy room, I actually do about 85% of it. Oh, absolutely. But he gets the award of being the best room cleaner in the history of man because he's four. And then I'll give him a dollar and say,

you just did good job. Now, he visually, emotionally attaches work to money. You catch them doing good. From work. Oh, man, this ice storm has been wild. And you know what? I've never been more thankful for our friends over at Tritails Beef because let me tell you something. Their prime and upper choice beef from American Cowboys and Ranchers got us through. We have ate well, even though we have had no power.

First thing, when my freezer went out, I came out of the back portion through the Tritails in the Yeti, baby. I'm on my back porch. I might fire it up right now. I'm kind of hungry. All right, my buddy, cook me. melt them another night. It is superb. Their steaks are aged to perfection and rival any steak you'd get at a steakhouse and they are so good. Look, I love that they're a family business. Look, fifth generation family ranch, same family is still responsible for every box of meat they ship

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Go check it out. That's t rybeef.com slash. And then by the time they're 13, now we've got a pretty sophisticated thing going. By the time ours were 15, they got their own checking account at 15 years old, and they're to manage their own clothing budget. I'd put the money in to buy their clothes, but they got to go buy it. And so you buy one pair of $8,000 sneakers, and you got no underwear, okay? So we're not doing that.

So by then, though, you've been teaching them to spend wisely in budget. So by the time they go off to college, then we gave them a set amount of money every month and the number of times our three children asked for extra money when they're in college was zero but they had been trained for 18 years before that to live on less than you make and if you want some more money let me tell you where you get it a job so if they and all three of them work some in college because they wanted some stuff I wasn't paying for which is fine yeah and uh but this is the deal and you're going to be you know you're not getting this funding from the ramses because if you're misbehaving

at school. You're not walking with God because as for me in my house, this is his money. We're managing it well and giving it to someone who's playing beer pong is not managing it well. So you're going to go to class and you're going to be walking with God and you're going to have fun. I want you to have a good time. I want you to meet a good guy, marry him. I want you. So we walk all the way out that way on those four things age appropriately. And so like for instance, they get rid of buy their first car. That's what they were saving for, especially by the time there's seven or eight you start talking about a car because and we didn't uh we told them we're not buying your first car we will match it so we had 401 dave and so we'll match it so whatever you save up

we'll we'll put that with it and then you can buy a car and so we're talking about that why am i putting this money and savings because if you don't have money and savings you're going to have a really nice bike yeah if you're lucky yeah yeah them things i got expensive too no that's cool I always, yeah, I mean, I was, thank the Lord was raised by, my mom was a senior vice president of a credit union here for 50-something years. So finance was taught to us at very early age. Like you, you stayed well below, if it means. And so. Yeah, that's the thing.

And you talk about it, but you also live it in front of them. Yeah. Oh, no. There was, yeah. Yeah. I worked from about the time I was eight years old every Saturday, mowing grass. And I missed the I never got a penny.

I never saw anything exchanged, but I also never wanted anything. And that was their, my payment was if I needed a new fishing rod. Okay, you've been working for the past six months. We'll get you a new fishing rod. Like it was never really a thing. You knew why you were getting that rod because

Oh, I knew. Yeah. No. There was still a tie-in. That's exactly. There was still a whole tie-in. Yeah, absolutely. And so, no, that was,

no, I was very, thankful for that. You know, looking back on it, because I saw a lot of my friends and even to this day still struggle in that, in that arena. They're doing fine, but you would never know it. I mean, they should be doing fine, but because of choices they make. We were just saying earlier, teach your kids to do hard things. Yeah. That's one of our favorite sayings right now is I can do hard things. Yeah. They look up and I can, I can't do that. I'm like, no, you can. We don't say I can't. You can ask for help or you can say, let me try again, But we don't say I can't. That is what we are in the middle of teaching those little rascals right now.

That's perfect, yeah. You can ask somebody for help or you can try again, but I can't. That's out of there. No discipline seems pleasant at the time, but it yields a harvest of righteousness. Amen. That sounds like it should be in a book. It is. Oh, man.

No, that, yeah, there's a lot of people out there that, you know, like my goal when I found out we're having kids is to give them the same or better opportunities that my parents gave me. So, like, it's, you know, you want to do what's right by them. And I think there's a lot of people out there. And I know Goblin feels the same way with them little girls that are in the hospital. Because I had a buddy of mine that his kids kind of went off the reservation when they got 15, 16, and all that. And he asked me, he said, what did I do wrong? And I said, well, Don, you have.

it hard when you was a kid. So you gave them more than you had. I said, it's okay. But it's better if you make a... Yeah, no, that's, yeah. So he, what he has said is, is how to deal with life. Right. You feel better about yourself because you're, you're making your own way in a way.

And from a young age all the way until they were adults. That's what Dave's kids understood. Because his job and my job when I had kids, okay, was make them the best citizen I could make them. Exactly. Andy Andrews says, I'm not trying to raise great kids. I'm trying to raise kids that become great adults.

Yeah. It's a different mindset. Amen. I looked at it different, you know, and he said, you're right when I said, you give them too much. They need to earn, okay,

Because trials and tribulations, it's like you're training your boys. You know, you may have to ask for help. Yeah. But never give up just because, oh, no, it's too hard. I can't do it. Yeah, no. That's, hey, ask a friend to help you with it. Yeah, you love with discipline, and that's the way it was with my kids growing up.

I mean, we were always in training and we were teaching, and, you know, they had discipline. And that's the way it is currently. Like, if they ask for a snack now, they have to do something to get. at this night. All right, go pick your cars up. I said, the reason I failed in college was,

it was immature. I didn't get some of the things he was talking about. What they was saying. Yeah. You know, dad and mom, they did, they did a great job.

Yeah. Okay. But no, you know, when you have kids, this is a new, whole new ball game. Oh,

yeah. Because you know what, you don't have no idea what to do. Oh, yeah. So it's fly by the seat of your pants and do the best you can do. And, and sigh, it's like this. No matter if it's spiritual or financial or other things in life, you're never too old to learn.

Oh, yeah. You know. And you always hope that it doesn't take somebody hitting rock bottom to learn. But a lot of times. It helps. We have to. And not just hit it. We got to bounce a couple of times, you know.

That splat he was talking about. You kind of got a skid when you hit it because there ain't even. Every time you overcome something. that is hard, you get better. Yeah, absolutely. Okay, that's your life's lessons. I always say experiences the best teacher. Well, yeah, it's the best teacher because you're involved in it.

Yeah. And hey, it made you, well, I don't want to be like Willie, for example. Being poor made Willie the person he is. We're saying that's good, right? Yeah, I'm trying to figure out, is this a positive or? Well, no, no. He's making some questionable choices with these vest now. It can affect you both ways.

He really seems like he's been watching Big Brother with as much he's wearing his vest now. And I think it's to camouflage some things. But, you know, it is what it is. You know. It can push you both ways. Willie, if you're listening, you can be rich and skinny. Yeah, set me up.

You know, it gives you. I get the, I get the, I get the, the second half of this episode. I'll tell you this way. You know, your motivating factors play a big role in who you are. Because I can watch a kid for a couple of weeks, and I can tell you what he's going to spend his money on, his time, and what he's going to put his trust in.

You want to watch my kids for a couple of years? Well, no, no. I'll let you. And don't do it. I'll say don't do it to say I'll let you know look hey look at Jason Roberts I didn't do good with him

yeah never mind we're good I'll keep doing what we do it'll be all right no it's fine but no Dave I appreciate you sitting down with us well thank you thanks for having me guys as everybody else here views this the peasants over here in the duck call room that's right yeah we're kind of the

second hand yeah I don't know what we are but we operate but we have more fun than that the podcast you were just on we laugh a lot more that's for sure. We try to keep it light. And I'll say this, thank you for changing people's lives for the better, man. That is, you know, we all, when you start out on this earth, that's all you ever want to be, right? It's positive impact for other people. And you have successfully done that. And that is really cool. And I mean, you know, talking about, that made me laugh. And you're talking about

red lobster earlier. Because like, you just, I mean, I remember when Red Lobster came here, I was like, There's a restaurant you can go get lobster at. Like, that's the world's biggest crawfish. What are we doing? No, no, look, I got to, because when he brought that up, I wanted to say that. They always asked, what was the major issue that changed in your life when Duck Dynasty arrived? And I said, hey, we went from bologna sandwiches and prime rio. We got off in vina sausage.

Yeah, we got off in vina sausage and all the stuff. And like, I remember like it was yesterday. I hate to tell you. I'm still long than being in the sausage just from time to time. The menu changed drastically. Yeah. And it was earth shattering something you remember for a lifetime. Yeah, that's a big deal.

Yeah. Well, thanks for having me, guys. Yeah, absolutely. I wanted to be with y'all. Thank you for being on the show. I've got a verse. I got this from a friend of mine. And it's a famous declaration from the Bible.

It's in Joshua 2415. As for me and my house, we will serve the Lord. So thanks Dave for being on here. We really enjoyed it. Yeah. Thank you so much. We'll see y'all next time right here in the duck call room. We're out.