The Rachel Cruze Show - Why Do You Handle Money the Way You Do?

Episode Date: August 3, 2020

Ever wonder why you make the same decisions over and over when it comes to money? If you want to better understand why you handle money the way you do, listen to this episode. You’ll learn: The eight core emotions and how they impact your money from counseling expert Dr. Chip Dodd An exciting announcement about one of my biggest aha! moments around money When and how to let go of the gazelle-intense mindset   Resources: Get a peek at my new book for free Dr. Chip Dodd Tuft & Needle Just Between Friends Learn more about your ad choices. Visit megaphone.fm/adchoices

The truth about us human beings is that we are emotional creatures, too. He wrote one of my favorite books, Dr. Chip Dodd. Fear is a feeling that allows us through hope. I think it's huge. I think it dictates so much of our life, including why we handle money the way we do. Yes. God has graciously given us eight tools to be able to live fully in a tragic place. Hey, guys, welcome to another episode of the Rachel Cruise Show podcast.

So glad that you are here. today is a great episode. We have a lot of great stuff to talk about. And one of my favorite authors and really speakers, counselors, all the above is on Dr. Chip Dodd. And if you are not familiar with him, man, he brings the idea of understanding your emotions, your God-given emotions and how to talk about it, how to verbalize it, how it changes your whole life when you can recognize that. And so we have an incredible conversation. I can't wait for you to hear. And then at the very end, I'm actually going to answer one of your money questions. It's a common question I get all the time, so I thought I would answer it. Now, those of you that watch my YouTube channel, you know that some things have changed.

I have shifted the Rachel Cruz show from like a really long 30-minute show to more quick style videos just to get more content out there on a weekly basis for you guys. And so all you podcast listeners. You can go check that out, but for you all listening on podcast, nothing has changed for you. I am still here. We're still doing the thing. So I love it. Today, man, it's such a big day. There are so many things talk about one of the things that I am just so excited about, and I can't believe I actually get to announce it. There's been something that has been in the works for gosh, probably about two years, two and a half years, maybe even three years, that is launching today. I cannot believe it.

But my next book, my third book, Know Yourself, Know Your Money, goes on pre-sale today. Like right now. You can go to rachelcruise.com and pre-order a copy of Know Yourself, Know Your Money. And I'm so, I'm so excited about this book. Like, oh, I cannot wait for you to read it. And I wanted you guys to kind of hear a little bit of my heart and why I decided to write this book. So take a listen.

Okay, a few years ago, I had this, like, thoughts, this moment where I was like, hmm, if I can start understanding not just how to handle money and helping people handle money, just like, here's how you do it, but why do we handle money the way we do? Why? Why do we spend the money we spend? Why do we save it? Why do we go into debt for it? What is it?

What is the why behind so many of our money habit? And on this show, we talk all the time about the how. We talk about the budgeting and the investing and the getting out of debt and the saving and the insurance and the investments and the wills and like all the things of the how to win with money. But when you can start to understand and go under that foundation of why do you handle money the way you do, it's amazing. It really is. And like anything in life, when you can start to like have self-awareness in your life, when it comes to your marriage and your parenting, how you are at work, how you are with friends,

how you are with family. Like, when you have self-awareness about who you are and why you are the way you are, things just increase in your life. Like, you do have better relationships. I mean, just things in your life start to gain traction when you have that self-awareness and you actually do something with that knowledge.

And that is what this book is all about. It is all about the self-awareness of understanding why you handle money the way you do. So in the book, we dive into eight sections that I'm so excited about. the first section is all about your money classroom. How did you grow up with money? Because it really affects it.

And to say that there's a little quadrant chart in there, that is pretty exciting. That's an understatement. I mean, honestly, there are like for these four quadrants, I figured out of like, really, in these four buckets is the environment of how people grew up. So not just the communication side, but also the emotional side of money. So, like, we dive into all of this and for you to be able to pinpoint and say, oh my gosh, that's how I grew up. Like, maybe that's why I am the way I am.

Or partly why it's shaped your perspective with money. It's really important. Our upbringings have a huge impact on who we are today. Then we dive in to your money tendencies, which we all have. There's lots of tendencies out there. We talk about spender and saver and nerd and free spirit on the show a lot, but we go into many, many more when it comes to money

and your natural tendencies and how you're bent, how you're wired. And then that can kind of start to open your eyes maybe to other people in your life. We're like, oh, wow, that's why they buy that thing, or that's why they would rather do this with money than that. So, diving into your tendencies. Also, diving into your money, fears. We talk a lot about this on the show, because fear is a main driver of why we do things in life.

It can be that motivation. And so really digging in to the top financial fears that people have and hopefully you being able to pinpoint, ah, that's one of my top fears. Maybe this is why I do the things I do with money. We're also going to talk about your money mistakes and giving great. because we all need that. If you are breathing, that means that you have made a mistake with money. So we all have.

And so really, really understanding, okay, man, do I give myself enough grace? Do I give others grace when it comes to money mistakes? So diving into that. And then the book moves on to not just, why do you handle money the way you do, but what to do about it. That's right. The subtitle here, know yourself, know your money, my new book. Subtitles, discover why you handle money the way you do and what to do about it.

So the last part of the book is what to do about it. So what to do about your spending, your saving, your giving, and changing your behavior, and really saying, okay, this is it. And hopefully this book, my prayer is that this book answers so many questions for you of like, hey, this is why I handle money the way I do. And it's really going to open your eyes to be like, wow, if I can understand the why, I can change my behavior so much faster and when with money even faster. So not only do you get to see the book today.

for the first time, but you actually get to pre-order it today. So it is on pre-sale, you guys. You can go ahead and order this book today. Click the link below. And the great thing about pre-ordering, you get so many free things, $50 worth of free stuff. So you're going to get the free audio book, the free e-book, and a 30-minute lesson taught by me

on some stuff that we're going to dig in deeper here. So all that is going to be for free if you pre-order right now. And the book actually launches in January. so you have a few months to do it, but just do it now because I'm telling you, I'm so pumped about it because I really think it's that great. It gets so good that, like, I finished the manuscripts and a few people are like, hmm, it's good, but like this section, you know, could, and I went back in. And I was like, okay, I was like, I told everyone that was reading it before.

I was like, I like criticize it. Like, I want this to be the best book possible and tell people criticize something. They will. So I got a couple of notes more. But I kept working on it and working on it because I really, really wanted. it to be as good as possible. And that's why I feel so proud with it because it is. It really is an incredible book, again, to help you understand not just why you handle money the way you do, but what to do about it. Hey, moms, Rachel Cruz here. Are you looking for a fun side hustle to

help you pay down debt and build your emergency fund? Just between friends as a consignment marketplace that will help you find cash in your kids' closets. I sell my kids outgrown clothes, toys, toys, and gear using consignment and just between friends makes it super simple. The average seller with JBF brings in $300 to $400 per sale. So go to jbfsale.com to get started and find cash in your closet today. That's jbfsale.com. Well, I hope that got you guys excited because I really cannot wait for that book to get into your hands and read it and digest the content and help change your life. I mean, really to help you win with money faster is the key and knowing yourself more. really helps with that. All right. Next up is my interview with Dr. Chip Dodd. Again, like I said,

at the beginning of this, he is, gosh, one of my favorite people. He really, really is. His book, Voice of the Heart, I just, I'm obsessed with it. I really, really am. It was such an honor to sit down and talk to him and kind of pick his brain. So I can't wait for you guys to hear my conversation with Dr. Chip Dodd. Okay, so whenever I have guests on my show, I would say like nine out of ten of them, I know personally, and like one out of ten, I'm like, I'm just a big fan and I haven't met them. Well, the one out of ten is happening right now. Dr. Chip Dodd is with us today. And I'm having him on today because I read his book, The Voice of the Heart, and it is phenomenal.

And I use some of this stuff and actually an interview I did on the phone. I guess we technically met on the phone a few months ago. About a year ago or so? Yes, for my new book. talking about emotions, and your book, Voice of the Heart, is incredible. Thank you. Absolutely amazing. And so you walk through the eight core emotions that everyone has.

Right. And I love this book because I don't think a lot of people have the language or even know that these emotions exist. So just let's talk about it. So what are the eight emotions? Yeah, this book came out some years ago, actually. And the book says, and biblically and neuroscience now too, says that you and I are created as emotional and spiritual creatures, created to live fully. But we can't live fully unless we're living fully in relationship.

And the language of relationship is the language of the heart. And what's amazing is it became really clear, you know, in the book of Genesis, our problem is, and I guess always will be, that when it's time to cry out, our expertise is actually in hiding out. and God comes into the garden in Genesis 3-9 and says, Where are you? Which is actually a lament. It's like, I know omnisciently what you're going to do,

but now it's actually an effect. This is a relational pain. So he says, where are you? In the Hebrew words, Aeika, which means I can see your body, I can see your thoughts, but I need to know your heart. I need to know where you are from the inside out.

And Adam said, I was afraid, so I hid. And in the crying out, relationship began again. And it turns out that, and this is a bit long, but the brain actually develops from the back to the front. We have the brainstem, which is reactivity. It's what lizards do. It's hot, it's cold. There's a flop, look, you know, kind of thing.

The lizard brain. Yeah, the lizard brain. Yes, you know exactly, the lizard brain. And then we had this thing called the limbic system. And the limbic system is really the heart. It's the emotional, relational, connection, attachment, dreamer, probably the seat of the Imago Day.

It is the place from which we're created to connect. And it is the brain that's always asking a question, like, do you care? Are you with me? Do I belong? Do I matter? Can I grieve with you? Can I celebrate with you?

Will you stay? We're so relational. It's amazing. And then the frontal lobe develops over, period of, you know, 20 years, it's the executive functioning. It's the thinking brain. Well, it turns out that the thinking brain, the main purpose of the thinking brain, is to be able to articulate what's happening in our hearts. The old proverb 237 said that as a person thinks in their heart, so is the person. So we're created to use our brains to

express our hearts. And yet we live in a world that is anti-vonnerability, anti-neediness, anti-transparency, though we talk about it a lot. Right. I'm so authentic. Yeah, and how can we do it unless we're telling the truth?

And it turns out that the truth about us human beings is that we are emotional creatures too. And unless, and we grow up losing the language of birth. And we were born with eight core feelings. Sadness, hurt, fear, loneliness,

anger, which a lot of people don't understand. And then we have healthy shame, guilt, thank God, and then gladness. But the feelings, and everybody has asked me with these eight feelings, how come there are seven bad ones? I know. I said that before. I was like, walk to that minute. Yeah, shame, guilt and glad.

That's right. Yeah, you hear them all, and you're like, okay, gladness. That's good. Yeah, but everything seems bad. Well, it turns out that all the feelings are good, just like their organs of the body. I mean, your lungs are not bad. are good, they're good. And the more you attend to your lungs, the more they can do for you. Same way with taking care of your heart and attending to your stomach. And even the bladder is good.

I mean, if you can't sense your bladder, well, you know the rest of the story. You're my two-year-old. Yeah, exactly. They go right ahead. I should say my eight-month-old, yeah. Yeah. And so with feelings, unless we are sensitive to them and learn how to use them, they become our enemy, which is astounding. So each feeling is good because God has graciously given us eight tools to be able to live fully in a tragic place. Yes. And since we're created for a relationship, these are the relational tools that put us in awareness of each other, connect us to each other.

And actually arouse empathy. You know, it's like if I know what it's like to be human and I know what it's like to experience love, pain, celebration, and grief, if I see it happening in you, I can go, oh, I recognize. recognize that. Oh, that person must be like me, like where I was. If I see you crying, I acknowledge tears of my own. Instead of going, what's wrong with her? Something's wrong with her. I actually say, what's your pain? Like, what's happening with you? Because that empathy turns into compassion. I can see you. Like the Good Samaritan. So why do you think we're a culture that is so scared to even tap into emotion? Well, I think we have a, the world, is a survival-oriented place.

And in the United States, we are self-sufficiency, work performance, you're only as good as your last performance. We worship independence. We worship reality, you know, not letting reality get to you. We sacrifice the truth of how we're created to be realistic. And we seek power, power over having to be vulnerable. So we kind of tilt over to the self-sufficient, climb the ladder of success. That's right.

That's right. and totally ignore everything going inside. And I think after years and years, not even knowing how to tap into it. And so I think for you guys doing the work to actually get there, you just live this more holistic life and holistic relationships with your marriage and your kids

and your coworkers and everything so much. So let's dive into fear for a little bit. That's like the one emotion I really dove in with you for my new book. And I think it's huge. I think it dictates so much of our life, including why we handle money the way we do, different money fears. But talk through why fear is a good thing.

Yes. Healthy fear. I mean, all of it. And by the way, your book, you know, thank you for having me here. And I make sure I read your book. It's a wonderful book. He got the advanced copy. He said, I actually read your book.

I was like, you've read my book. Get this book. It's profound, practical, witty. It's just, it's a wonderful book. It's deep in its proper ways and yet very understandable and reading. Thank you. Thank you. Well, read.

Fear. 18 inches below, our forehead is the heart. And we practice doing everything we can to stay away from our heads and hearts being connected. And if our hearts aren't connected living, we miss life, right? And it turns out that fear, we've been given fear as a feeling that allows us to acknowledge being in danger. So when I'm afraid, I'm actually saying life's happening in a way that's scary. life's happening in a way I don't like. I'm anticipating something happening negative in me, to me, against me.

So fear is a feeling that allows us to value our worth and allows us to seek help to cry out. Like, I don't know what to do, will you help me? I don't know where to go, will you show me? So fear is a cryout feeling that allows us to ask for help. And if we're not good at fear, if we're not good at being sensitive to using our brains to express what's happening in us, then anxiety takes over.

So anxiety, except when a bear's in the room or a tiger's in the room, anxiety is actually an indication, a physiological indication, that we're not dealing with owning our fear. So fear and anxiety are different. Anxiety is physiological and mental. And the beauty is that fear is a feeling that allows us to hope. So if you're in danger and you cry out, automatically you're using how God created you. You're hoping that there's a solution to this predicament.

And what's amazing is the way the voice of the heart talks, feelings lead us to their gifts. I don't do feelings just for the sake of feelings. I don't like the feelings. I don't like fear or sadness or hurt. But what they give us, they're tools that give us results. So fear leads to, I hope. something and I cry out, I risk something, and that lets us develop a thing called faith. So fear is actually the birthplace of faith, which sounds like so many people in the Christian world say,

whoa, whoa, whoa, wait a minute, no, we're created to be able to be in need, to cry out in the need and get results that actually benefit our lives. And the better we are at fear, recognizing danger and asking for help the wiser we become. It's so... So in it amazing? It is. And that's what takes down the scariness and actually gives you the tools to break down, right? Because some people just kind of get in fear and it's just, oh.

But no, to say, okay, to acknowledge, no, I need help. Yeah. I'm asking for help. And then you seek the answer and it helps you. And that's in every area, you guys. I mean, whether it's like, I mean, fear, I automatically think like personal safety, right? Like, there's that. But then the fear of, oh, my gosh, my marriage is struggling or my kids are so out of control

or people with older kids, right? A kid goes astray. And, you know, whatever it is, that fear that rises up and being able to ask for help, gather that wisdom, yeah, any area of life, money, all of it. Okay. I want to talk through shame because it's clicking in our interview right now. And I want to go text my husband because he sent me, he was so, Gretel, you have to listen to this. Because you did a talk on good shame versus bad shame.

Yes. Okay. Let's talk about it. Let's talk about it. Shame is great. And I will say, shame's essential. And one of my, and they all know, I do, I love counseling. I love it.

I got through seasons where I do more. intense than others, but it's grown me so much over the course of a couple years. But I remember saying something to my counselor, and he was like, well, that's shame talk. I was like, that's not shame talk. I don't have shame talk. That's what I told them all. I don't have shame talk. I don't have a problem with shame. You have shame. Yeah, yeah, you have shame talk. But shame was this emotion I was like, oh my gosh, and now I can, I pick up on it more and more. So talk through good shame and bad shame. Yeah. And there are a lot of people are doing some lot of shame teaching now. and they don't include healthy shame.

Yes, which I, yes. Yeah, and I said healthy shame is essential because healthy shame literally is the essence of a human being. It's amazing how you're born looking, literally looking, and you can't think yet, you can't talk, but you're born emotionally and spiritually looking for who's looking for you. We're so creative for connection. And attachment, yeah.

We're so created to find fulfillment and relationship. So healthy shame is the dependency feeling. It's the awareness that I'm created for relationship. And healthy shame is amazing because you have some answers and I have some answers. So if we turn that into how to have a community, it's like you've got green peas, I've got potatoes, you've got beef, you've got carrots, you've got water, you've got a pot, you've got a fire, you've got a match, you've got wood, and somebody has a spoon and a few bowls, those are answers.

It's what you bring into life to do, to do. to live, to develop in you. And so before you know it, we have together what we never could have had a part. We have a student. We have a community. But it's the communion of admission of neediness. It's the communion of acknowledging

that I'm not made to live alone. I'm created for a relationship. I don't have to sacrifice who I am to be in relationship. But I just have to live the capacity to admit how I'm created and have boundaries with it. In other words, I'm not you and you're not me. I have a self, you have a self.

And we can share that. So toxic shame is when we become contemptuous towards ourselves for being needy, for not having all the answers, for making mistakes, for being in need, and ultimately for not being God. I should have known this, I should have known that. I shouldn't need this.

I shouldn't want that. And so toxic shame is taught. Yeah. So healthy shame. becomes a toxic experience. So something's wrong with me for being human. Yes. Something's wrong with me for being in need.

I feel crazy. You know, those kind of statements, yes. And I do that to myself. I'll go through the day and I'm like, oh, Rachel, that's crazy. Why are you thinking now? And I'm like, and I catch myself. I'm like, why am I even thinking?

No, like I have to walk myself through it. But it's so good. It's so healthy. Okay, so, oh my gosh, I'm going to keep you here all day. Because there's two more emotions because I know, I know this going long. And see, the thing is, I've been talking about this stuff for 30 years. I'll stay here.

I'll stay here. I'll take it's so good. Okay, so one thing I learned from your book that was huge for me is that angered. I'm like, no, no, what am I really feeling? And I have to stop and pinpoint. I'm fearful. I'm fearful of X, Y, and Z. Or I'm, that made me so sad that you made me mad, but actually I'm sad because

X, Y, Y, you know, whatever it is. but I think it's fascinating. It is. Anger, and we really, we've been a society that has mistaken anger and rage. Rage destroys. Rage is always rooted in terror that I'm not going to experience. So when a person's terrified, they rage. When a person thinks they're being thrown back into some place they swore they'd never

have to go to again, they'll kill. They'll attack, destroy, go silent. So anger and rage aren't the same things because, anger is not a fear-based emotion. In fact, anger is the most vulnerable feeling of all the feelings. It exposes our capacity to be wounded more than loneliness or sadness or hurt. Because anger shows what matters to us. It's admitting that I'm craving something and looking for something and wanting something and want to do whatever it takes to get something. So words like, I hunger, I thirst, I yearn, I long, I want, I wish, I hope, I dream.

Those are angry words because they're showing this matters to me. And the gift of anger is passion, a willingness to be in pain for something that matters more than pain. And that's how people get out of debt. But when we bury our anger, we're burying our capacity to tell the truth about ourselves completely. You know, when we can no longer hunger and thirst and yearn and long and want and hope and wish and dream, we're not alive. Yeah. So anger, see, we really do need to wake up to becoming free to have the powerful vulnerability of admitting that I'm a hungry creature created to live fully. And the problem, though, I can't live fully unless I'm doing so in relationship.

and money can't fix it. And there's not enough performance to make me whole. No. You know, I can't become independent enough. I can't remove myself from, you know, the pain of life. So I've got to learn how to live the pain of life. Yeah. Your own earth, and there's no cure for that except learning how to live it.

Yes. In fact, you said even in your book, and the Lion King, use Lion King. Yeah, yeah. And Rafiki said you can run from it. Yes. Or you can learn from it. Yes. You know, and learning from it means coming back to being human again.

That's right. And asking ourselves the hard questions about everything. What it is, yeah. Yeah. So when it comes to money management, our emotions are so tied in very deeply on how we manage money, right? Whether it's our spending, our giving, our saving. So kind of talked to me through those three emotions. We talked about fear. We talked about shame and anger.

How do you see those play out when it comes to managing money? So a lot of ways, money is just like alcohol, drugs. it can be used to get away from dealing with life on life's terms. It can be used to anesthetize fear, temporarily get over fear. Like people who are lonely, you know, it's like, well, they'll go out shopping and they're living on the idea if I can get this thing, if I can get that thing, the adrenaline of shopping, the gathering up stuff. It feels like I'm okay for a while.

It's a mood-altering experience that takes us away from what we feel. And then this person gets home, they've overspent, and guess what's there? The loneliness comes back. It's like a cycle. So we try to medicate avoidance of these feelings through money, alcohol, drugs. So money is an emotional issue. Yeah. A way we can either hide our feelings or we can deal with our feelings and manage money properly.

Because it's not something that's going to take us away from life. it's something that can allow us to live life fully if we acknowledge what it is. It's a tool. And that's such a key point that it's not always the outgo of money, right? Because I'm a spender naturally. So I naturally always think,

oh yeah, if I were to medicate with money, it would be to spend. But others, it's the hoarding mentality. If I can just keep, keep, keep, keep, and keep everything close, I'm going to be okay. Right. And that feeling of security does not end up there. It can help you with that foundation,

get an emergency fund, all the wise things we talk about for sure. But ultimately, that's not. that's not going to satisfy that core emotion. Absolutely. And even related to anger that you said, a person cannot live debt-free without passion. And they can't live generously without passion. They have to be trusting something bigger than money. Be generous. That's it. You know? Well, you guys, I hope this interview shows you the depth of life, but it can take a lot of work. It can be scary. It's not always fun digging into the feelings. But once you get in that practice, your relationships just explode. I mean, so much richer.

it's an incredible way to live. So again, I kept saying it, but voice of the heart, it's a must. It's a must. And then hope in the age of addiction. Guys, Amazon, get a copy. And Dr. Chippdon, thank you for being on. Thank you, Rachel. It's great to meet you. So appreciate all your wisdom.

Incredible. Again, you guys, check out his new book. Thank you so much. One of my favorite packages to ever show up at my door is my Tufton-needle mattress. I've got a couple now, and seriously, I love this mattress. You guys know exactly how it is. When you're juggling all the demands of bomb, wife, work, friend, et cetera. Good sleep is a must, and I've never slept better. Tufton Needle is the best rated

mattress on Amazon with over 100,000 five-star reviews. Try it out. You can get a mattress starting as low as $3.99. Plus, it chips free, and you get to keep it for 100 nights risk-free. If I'm wrong, just send it back. Go to tn.com to get started. That's tn.com. Man, Dr. Chip Dodd, is he just not so, so wise? Okay, one new thing that I'm doing is answering your questions. I'm doing this on YouTube in my videos there. And also I want to do it here on the podcast because you guys are asking them in the Facebook community, on social, Instagram, Twitter, and I see those. I see those questions. So today's question is on Baby Steps 4-6 or 6, how do you transition from gazelle intents to enjoying your money a little more while staying focused on your goals? My husband is having a hard time

finding the balance. Oh, this is when I get all the time. And it's true because, you know, babysaps one through three, while you're getting out of debt and you're getting that emergency fund in place of three to six months of expenses, it is so, it's so intense. Like that is a season of sacrifice. That's a season of saying, you know what, we're going to do whatever we can to get this done. And then you come out of it. And for some people, it's been years, you know, maybe two, three, four, five years. And you're used to this one way of living. And then to kind of shift your mind to say, okay, I can let my foot off the gas a little and actually enjoy my money. It actually is practice to start enjoying it. It really is. And it sounds crazy to some of you,

but I promise, if you've been living so intensely for so long to actually go spend money, it's kind of scary. You're like, I'm not used to this. Oh, we can go have fun. What does that even mean? So what I would say is to budget it. And again, of course, my answer is the budget. Some of you are rolling your eyes at me. But seriously, when you say, hey, we're going to allot some money, a percentage of your income, that we're going to have fun. We're going to force ourselves to spend this money. And you have to get in the habit because once you do it, the scariness of it is gone because you know, okay, we're still working, you know, to save for retirement. We have our kids college. We're going to pay off our house early. Those things are still happening. But on the

side, you can still enjoy some of your income and you need to. You have worked hard to get to this place. You need to enjoy it. You do. I hate the word, like, you deserve. Like, you deserve it. deserve it. But you do at this point. Like, you've gotten to the place. You've made the sacrifices to enjoy so you can enjoy spend money without guilt, without that shame. But if you need to put it in the budget and literally line item and say, we have to spend this explanation point and put that dollar amount and go and spend and enjoy. And a few months in, you're going to start to see, okay, it's not that scary. But again, great question. It's one that I get all the time. All right. I hope you guys enjoyed this episode of the Rachel Croixie Show podcast.

If you've not subscribed yet to this, make sure you hit that subscribe button. And if the spirit leads, you can leave a review. And as always, make sure to take control of your money and create a life you love. So if you guys enjoyed this podcast, we have more from the Ramsey Network, like The Ken Coleman Show. According to a recent Gallup poll, nearly 70% of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, the Ken Coleman show is for you. Everyone has a sweet spot.

Your sweet spot is at the intersection of your greatest talent and greatest passion. We will help you discover what it is you were born to do, and then we'll help you create a plan to make your dream job a reality. You matter, and you have what it takes. Join the conversation on the Ken Coleman Show. To hear full episodes, just search Ken Coleman wherever you listen to podcasts, or go to Ken Coleman Show.com. You know,