The Ramsey Show - App - A Young Millionaire Theme Hour (Hour 3)

Episode Date: January 17, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. George Campbell, Ramsey personality, author of the brand-new book Breaking Free from Broke, is my co-host today. This hour is a Baby Steps Millionaires Theme Hour. If you don't know what that is, several years ago, we started taking calls from people who are actual millionaires or greater and asking them things about their life so that you could actually parallel them

and be one of them and put aside all the mythology that is out there about wealth in America today. Number one myth that's out there that the hope stealers out there, the characters, the lefty crazy communists say is you can't become wealthy in America today because all wealth is inherited. Lie number one. Lie number two. All wealthy people are crooks. That's how they got their money. Lie number three. All wealthy people are famous entertainers, sports figures, rock stars, etc. Lie number three. Lie number four. They are brilliant.

All millionaires have 4.2 GPAs. They're all rocket scientists. Nope. We will prove that to you today by talking to real millionaires, and I've done that for many, many years now. That led us into doing what became the largest study of millionaires ever done in North America. We did it at Ramsey Research with outside research firms looking over our shoulder to make sure there was no confirmation bias, make sure that our research methodology was accurate and perfect, because we knew you lefties out there wouldn't go along with it, and because you wanted to say that America is, the dream is dead

and that you can't win, the little men can't get ahead. There's systemic problems with the economy and all that bull crap that some of you peddle out there. And so we knew that that would come up and that you would accuse our research of being inaccurate. And so the research methodology is airtight and double-checked. Double-checked, that's good. Double-checked.

And so if you don't agree with the actual conclusions of studying 10,167 millionaires, you're what's known as wrong. And we're going to unpack some of that for you and talk to real millionaires today and we have to start with a basic definition because i heard a united states congresswoman the other day god people are dumb how do you even elect these people she says he's not a millionaire he doesn't make a million dollars a year oh god yikes this is a congressman unbelievable how in the world did you get out of the sixth grade who voted for these people people that didn't get out of the sixth grade oh my gosh so let me the definition of a millionaire is not a feeling it's not a moral

construct it's a math thing and there has nothing to do with your income. A millionaire is someone who has a net worth of a million dollars. A net worth is assets minus liabilities equals your net worth. Some of you have a negative net worth because you owe more than you own. But a millionaire has at least $1 million in the bottom right-hand corner of the spreadsheet when you take what you own minus what you owe, regardless of your income. You can make $1 million a year and not be a millionaire, because you spend $2 million a year, like you're in Congress. There you go. So that's the whole thing. So we've got to, you know,

that's what a millionaire is. If you are an actual millionaire, we don't care how you got your money, whether you inherited it, maybe you were a crook, maybe you're a famous person, maybe you have a 4.2 GPA. I don't care if you got, if you won it in the lottery, if you're a millionaire and your net worth what you own minus what you owe is greater than a million dollars we want to talk to you this hour the phone number is 888-825-5225 our first millionaire is erica in austin texas erica what is your net worth hi dave my net worth is just north of a million dollars right at a million perfect give me a little breakdown in that how does that break out by category so i would say 80 percent

of that is in a real estate we have two rental properties and about 20 percent of that would be in cash investments 401k ross that kind of stuff okay cool how old are you i'm 36 and my husband is 38 oh did this young how much of this 1 million dollars did you inherit zero zero okay and what has been the range of your working income you started working in your early 20s what's the worst year and the best year of your income i, if we're going all the way back, probably 65 early in my 20s, and the last five years our average together has been anywhere from 280 to 340. Okay, perfect. All right.

And what's your career? What do you do? We are both technical recruiters. Ah, very good. Very good. Great career feel right now. What, you get degrees? You got four-year degrees?

So I have a bachelor's and a master's in HR, and my husband has no degrees. Okay. What was your GPA? I want to say, I don't remember exactly, but it was probably around 3.5. Perfect. Okay, good. All right. Well, you did this quick. I mean, what do you attribute this to? How do you, how do you become a millionaire by the time you're 36? What do you,

what do you blame it on? Um, a little bit of luck in the real estate market and just kind of buying young and buying modest. Um, and then those real estate properties growing over time. And then every time we moved out, we just rented the house, and we had the equity from RSUs from Facebook and from other tech companies to kind of invest in new properties. But we've always lived, you know, very modestly in terms of our mortgages that we were taking out. And your overall lifestyle too. Yeah.

You piled up some good cash here. This is good because you've not been making $240,000 for that long. No. Or $280,000. Yeah. Yeah, I would say in the last like five or so years, we've definitely stepped up our income, and we also work part-time jobs in the evening to supplement some things.

And I wish I would have known about the baby steps a little bit earlier in my 20s. And we're kind of going back and working the steps as we go. We paid off the truck last year. We're going to pay off my car this year in a few months and then really hit the investment piece hard and start working the full steps, I would say. Way to go. Well, what would you tell that person who's in their late 20s, early 30s, who's like, how do I actually become a millionaire and not wait till I'm 60? Because you guys did it. Yeah, I would say max out that Roth and 401k from the minute you enter the workforce. Invest as much as you possibly can and live modestly.

Live on the lesson you make. Invest in retirement accounts. Way to go. Four times I heard her say live modestly. She said that a lot. You said that a lot, Erica. I'm proud of you. Way to go, hero.

Very well done. Millionaire at 36. First case in point. How much did they inherit? Zero. How much did they steal from other people? None. Did they have a 4.2?

No. Not doctors, not lawyers, not athletes. Did they play in the NFL? No. Did they play in a rock band? No. Maybe on the weekends. There you go.

This is The Ramsey Show. We're taking calls from real millionaires, people who did it, not your broke brother-in-law who votes wrong. This is the phone number, 888-825-5225. We want to learn from you how it is really done if you're a real millionaire or greater. A millionaire again. George was saying at the break that people were saying you're not a millionaire because you count your house on YouTube comments, which is proof that people's parents are cousins that are in the YouTube

comments. Well, they like to form their own definitions, Dave. That's all it is. They're redefining millionaire. Yeah, like people redefine recession if they don't want there to be one. Yeah. It's one way to do it. Let me help you with this. House is an asset. It counts in the formula. This is an accounting definition. If you take an accounting class and you learn about balance sheets and net worth, this is not something you get to make up based on your little hurt but feelings. It's not a moral construct. If you have antique cars that are assets that are worth $400,000, that counts towards your net worth. I don't care if you like antique cars. I don't care if you think they don't run well.

None of this comes up in the discussion, moron. The actual thing is a definition. God, that's aggravating, George. trust me i know dave and they say well he'd have to he'd have to sell the house and it's all illiquid assets so it doesn't count i'm like do you not know the definition of an asset wow here's the other one dave i get on the youtube comments well he's not a millionaire because it's him and his wife and so if they divorce and he, then he would be half a millionaire. And I'm like, I don't know how to. You people, you really don't want to win.

You want to just figure out a way to lose. And so everybody, you have to, you know, let's figure out how we can be a loser. I want to, I'm going to figure out a definition where I get to be a loser and it's okay. And the faceless YouTube commenter with no profile picture with username 14587. You know, that's what keeps me up at night, Dave, is that troll behind the comment going, how do I just get through to this idiot? I don't think there's a way.

I see the difference as you actually read those. Okay. God help you, George. Why do you do that? It gives me fuel, Dave. It doesn't give me fuel. It gives me indigestion. Dave is in Indianianapolis dave what

is your net worth hey dave uh my wife and i have accumulated 3.2 million all right so 1.6 for you i'm kidding okay all right and give me a little breakdown in that 3.2 sure so in ira's traditional north uh that is at 2.4 million wow uh but most of that has come from uh 401k rollovers from previous jobs uh got some in brokerage account about 192 uh 210 cash and our house is worth 345. And then we got a 53,000 and a five 29 fund. Way to go. How old are you? I'm 60. Good.

How much of this did you inherit? Uh, well, I actually, two years ago I got $200,000. Okay. Were you already a millionaire then? Oh yeah. Okay. So you did not become a millionaire because of an inheritance, just to be clear. That is clear. Okay. Were you already a millionaire then? Oh, yeah. Okay. So you did not become a millionaire because of an inheritance, just to be clear. That is clear.

Okay. All right. I'm just asking. I'm going to make sure. Okay. Now, so the income range, your best year working income and your worst year? For our household, it would have been 70. For our worst, then about 180 for the best cool all right and what do y'all do for a living what was your career or is your career i was in uh health care both of us are i was a uh radiation therapist and she is in health care administration okay four-year degree uh mine's a four-year degree and hers is uh masters okay all right and what was your gpa i was a 3.8 and she had a 3.5 awesome very cool all right so if you're talking to somebody and

you are that is 30 half your age can they still become three point have a net worth of 3.2 million at age 60 and if they can what would you tell them to do? Oh, my gosh. Yeah, they can. First of all, you've got to live way below your means. The second thing is stay the heck out of debt. You've got to stay out of debt and kind of distinguish between your wants and your needs. And the third thing I would say is you start taking advantage of your work 401k,

started doing that as early as possible. And the other thing I did was once I hit 50, I took, you know, that extra you could put in as a catch up. And I just put as much into 401ks as I possibly could. Way to go. Excellent. Excellent. Good work. So are you guys TV people or book people? You watch TV at night or read books?

Well, my wife is a book person. I'm neither one, I hate to say it. That's okay. That's all right. That's all right. Good. Good stuff. All right. What kind of car do you drive?

Me? I got a 2012 Honda Civic. Wow. What's she drive? My wife has a 2012 Kia Soul. Okay. And you're net worth $3.2 million, just to remind the listeners out there what you said earlier.

Okay. Okay. Driving 12-year-old, very reasonable used cars. Absolutely amazing to go hero proud of you man thanks for calling in i love it luke is in seattle luke what's your net worth hi dave our net worth is 1.1 million very cool all right give me a little breakdown on that by category uh most of it's in retirement. So 401k, two Roth IRAs in mutual funds, that's about $473,000. Next is home equity. We've got about $309,000 in the house. And short-term taxable savings kind of for goals here coming up in the future, it's mostly just cash or cash equivalents like treasury bills, I-bonds. It's about $170,000.

We've got an HSA in mutual funds, about $51,000, and two paid-for vehicles at a little less than $46,000, and then a little bit of cash in checking and emergency fund. How old are you? I'm 34, and my wife is 31. Ooh, getting young millionaires today. So how much of this 1.1 net worth did you inherit? Zero. Zero. Okay. What was your best working year back in your 20s and lately and your worst working year income wise since you started working? Almost 12 years ago,

right out of college, my worst working year, I was taking home about $1,200 to $1,500 a month, and all the way up to about $400,000 now. Whoa, okay. What do you do for a living? I'm a captain for a major U.S. airline. Okay, so you fly jets. Okay, cool. And what about your wife?

She volunteers here at home in our community, mainly through our church. Okay, cool. And you said you've got a four-year degree in avionics or what? In flight technology, yes, a four-year bachelor degree. And what was your GPA? About 3.6. All right, very cool. All right. So how long you been making serious bank like this? Mainly the later 20s, later 20s, early 30s. The first few years were really lean. But most of yours is sitting in retirement and into a home. So you started that early, didn't you? Correct, yes, in the early 20s.

Yeah, when you weren't making any money. And then you go from there okay because i guess what i'm trying to figure out i'm looking at the math i'm thinking through the curve here on it it you're not a millionaire because you make 400 because that's not happened long enough to cause this to be here is am i right that's correct it is all due to compound interest and starting early yeah okay all right so if um wow okay all right cool do you know hey let me ask you this side plan has nothing to do with anything a starting pilot straight out of college right now or straight out of flight school um like they're flying regionals right yes what are they making these days uh quite a bit more

than they were making five or ten years ago i would say maybe somewhere in the vicinity of a 60 to 100 000 okay i told the kids 60 the other day so i wasn't too far off that's why just checking myself all right good job man way to go young millionaire i like 34 years old seeing a theme here dave hey i got two in a row or two two of them that are. I like it. 34 years old. We're seeing a theme here, Dave. Hey, I got two in a row, or two of them that are youngsters. I like it. Giving everybody hope. That's what this is.

It's facts. You know, facts have a way of cutting through all the garbage out there. This is The Ramsey Show. George Campbell, Ramsey personality, author of the brand new book breaking free from broke is my co-host this is a baby steps millionaires theme hour where we talk to real millionaires and ask them about their lives so that you can compare and say gosh i could do that and give you hope because you can do that the four biggest lies told about millionaires is they inherited their money. They are crooks. They are famous entertainers, rock stars, or sports figures.

They have unusually high intellect, like a 4.2 GPA. So let's deal with the last three. High GPA, not true. The data tells us the average millionaire has a 3.0 um the real estate that i'm sitting in is worth somewhere around 600 million dollars this one campus it's paid for with a zero debt so that would be part of my personal net worth. My personal GPA is a 2.97, 3.100 short of a 3.0, which still pisses me off 40 years later. Can we redo this, Dave? There might have been beer involved, but yeah.

I think it's increased since then. Yeah, so anyway. Like IQ? Does it go up over time? No, you can't fix it. It's like a bad tattoo. You're stuck with it. So 3.0 is the average millionaire or GPA. We don't find many that get a 1.2.

I mean, you can't really be stupid or dumb and do this. I mean, they do have good intellect and generally work hard enough to get a grade, right? But they're not prodigies and geniuses. No. One percent of the 16 million millionaires in America are public figures that you would know their name. One out of 100. One out of 100. They are sports figures, rock stars, country music stars, whatever, actors out of Los Angeles or whatever.

But honestly, people in the limelight are, uh, notorious for being, uh, we work with them for being on one end of the spectrum or the other. They're either common sense, very careful, got a good business mind, or they're dumber than a rock when it comes to their finances. And you've heard all the stories of the dumber than a rock. So they may, they make tv shows out of them and um they've been on sports 30 for 30 and all that kind of stuff it's in terms of their finances i mean they're personally stupid they might be but um you know they're really good at picking a guitar and it ends there you know i mean that's that's um that's what we run into in nashville i, I've got a bunch of friends, country music people that you guys know out there.

And, uh, some of them are really good business minds and some of them, they're just good music. Some of them, their wife can manage the checkbook. I mean, that's it. Her husband, you know, it's yeah. So, uh, yeah, bad news. So the last one, uh, not the last one, that's what we're going to talk about in this segment is their crooks. See, that's the dumbest one to me i can understand how you'd think it

takes a lot of intellect or the famous people are millionaires that makes sense but crooks doesn't even make sense because here's the way it works okay if you own a business and you screw people you mess them over because you're a crook do you do do your customers then tell everybody to come do business with you no they tell everybody to avoid that person they're a crook so crooks in a capitalistic society especially where social media is there and you can jump on instagram and say such and such a place ripped me off crooks have a tendency to not prosper versus prosper you can't find enough new people to steal from that no don't know any of the other people you stole from to run a business based on crooking people. It doesn't work. So that's just absolutely asinine. I mean, Madoff

and Ponzi go to jail. Do not pass go. They go to jail. Now, they pull it off for a little while but it's not sustainable wealth building so this idea that you know all the people that ever have any money or crooks that's just your redneck backwoods idiot friend who's jealous who can't find his butt with both hands and the only way they can describe it is oh oh, they just rip everybody off. That's how they got their money. Now, you're just dumb, okay? It doesn't work in a capitalistic society. That doesn't work.

It's just easier to be jealous, Dave. Jealousy is bad. Jealousy is I want what you have. Envy is worse than jealousy. Catholics call that one of the seven deadly sins because envy is i don't not i not only want what you have but i don't think i can get it so i don't want you to have it so i have to tear down everything and tear you up and get tall poppy syndrome the australians

call it and cut down anybody who sticks their head up and that's just that's just ridiculous so it doesn't work. It doesn't work. Katie. Katie is in Detroit. Katie, what's your net worth? Hi, Dave. Our net worth is $1.2 million. Awesome.

Give me a little breakdown by category. So the bulk of that is in retirement accounts, about $600,000. Good. Our home is paid off and worth about $350,000. Okay. And then the remainder is in non-retirement mutual funds um our kids college savings and cash good very good how old are you i am 30 and my husband is 38 wow way to go how much of this 1.2 did you guys inherit

so i did receive a small inheritance of twenty thousand dollars when i was 17 okay but the rest was all us did you invest that and that caused this million dollars to occur or no you're not a millionaire because of inheritance or you are no i am not okay i'm just i just want to get from the actual person what the deal is. Okay, and your household income, your best year working and your worst year working, and you're 30 years old. Way to go. Yeah, we're thrilled. We started out, we looked at everything combined.

We've been married 10 years. Our starting salaries when we first started working combined was about $130,000, and now today we're making about $240,000. Good. Very good. And what is your career? I work part-time. I work in finance, and my husband is an engineer. Oh, good. Okay. And what was his GPA, or do you remember?

He's a smarty. He did have a 4.0 GPA. Good, good. Well, if he's an engineer, I hope so. I don't want the bridge to fall, right? So there we go. Right, right. Good. And so his degree is in engineering. Yours is in finance? Yes. It's in accounting, my undergrad, and then we both actually have MBAs. Excellent. Excellent work. So do you think people that are listening that are 20 and 22 years old or they're tuning in on YouTube, do you think they

can do this like you did? Absolutely, yes. Why do you think the dream is not dead? What was that? Why do you think the American dream is not dead? Because I think it's capable of happening through hard work. I think that in the beginning of our marriage and in our early 20s, we hustled really hard. We had lots of side hustles. We spent three years renovating our house top to bottom and turned a $100,000 house into a $350,000 house. And, you know, I think anybody can work hard and get after it. Wow. That's encouraging, especially hearing from a 30-year-old.

Because most of the youngsters out there that I talk to and that are commenting, they are looking at these investing traps and shortcuts. And I'm looking at your portfolio. It's largely boring, isn't it? It is. It's just retirement accounts and equity in the home and some cash and college savings. There's nothing really that takes some prodigy level investing here. You didn't do any day trading or sports betting or store it all in gold.

Nope, nope. We're in it for the marathon race. We're in it for the long haul. So just boring and safe investments for us. Yeah. Way to go. I'm so proud of you. Way to go, hero.

George, there's a real low occurrence when we do these hours. We find almost no crypto. Wow. Not even as we've done them over the last few years. I've actually never taught. They may exist, but I have never talked to a crypto millionaire. Interesting. I thought they were all over the place.

They've been real quiet ever since they took a turn for the worse. Ever since it became worth zero. Yeah. There's that. There was one. It was a GameStop guy who got rich off the GameStop debacle. I thought we got one of those. He made some serious calls.

I did talk to him. He was doing that margin thing that was all over the news for a while. He did get rich quick and got out just in time. But that wasn't crypto. That was playing margins. Yeah. This is The Ramsey Show. Our scripture of the day, Romans 12, 2.

Do not be conformed to this world, but be transformed by the renewing of your mind that you may prove what is that good and acceptable perfect will of God. Albert Schweitzer said, a good example has twice the value of good advice. This is a Baby Steps Millionaires theme hour. We are taking calls from real millionaires. The last lie that is told is that it's impossible to build wealth in America today because the wealth is already held by the wealthy families and the only way you become a millionaire is by inheritance.

And that is a statistical lie. Here are the facts are disturbing things when you believe wrong things. This is a fact. Having done the largest study of millionaires in North America, 10,167 of them, here's the number. 79% inherited zero. 5% inherited a small amount like five or 10,000, one caller this hour, 20,000, but not enough to mathematically cause them to become a millionaire. If your granny leaves you $5,000, you did have an inheritance,

but it doesn't make you a millionaire unless you live to be 200 years old. Okay? So it's not an inheritance. The third thing is another 5% received a substantial inheritance after they were already millionaires. We also had that this hour. The guy with a $3.2 million net worth said he received $200,000 inheritance after he was already a millionaire. So he did not become a millionaire because of inherited money. So let me help you

with the numbers. 79% zero, 5% small amount, 5% after they were already millionaires, 79 and 5 and 5 is 89. That's 9 out of 10 of America's millionaires are first-generation rich. They are not millionaires because of inherited money. Simple. So anyone that says that is either lying or just wrong or both. It is simply not true. Okay. That that's, you can't make it any plainer than that. And by the way, that matches up with 30 years of doing this and meeting people all over america that are millionaires i kept running into them and i ran into very few that inherited the money and and almost none i mean it's less than one out of two or just right around

one out of ten and i don't care if you inherit money that's fine it doesn't make you a bad person we talked to a guy earlier in the show today that inherited a million one from his grandmother and he was 22 years old that's wonderful i got no issue that's fine it's not a moral problem it's just simply not a fact and when you tell people that they can't do it and they believe you you're you're not only wrong you're infecting other people's hope. And you should be ashamed of yourself, stealing hope. It's awful. Especially when you're wrong.

Hello. You're wrong. You're wrong. Dial that one in for a second. Okay? Because I've got the airtight research to prove it so oh by the way to the five top careers that came up in the study the number one career that came up most often was engineer number two accountant number three teacher number four uh business executive number five lawyer

doctors didn't even make the top five teachers did well yeah yeah i'm a teacher and i don't make any money and i'm broke listen i i don't i don't you can whine all you want to whine. It doesn't change the fact that teachers appeared as the third most likely group out of 10,000 to become a millionaire. Why is that? Because all five of those share processes. They have to use a process and building wealth is a process. They're all five process people.

Engineers use a process to build a bridge or it doesn't fall accountants use a process called gap generally accepted accounting principles there's only one way to do accounting there's not six you don't get to be creative about it there's not the contemporary version and the traditional version there's accounting that's it teachers use a process for teaching it's called a lesson plan okay business executives use a process for managing a project and of course lawyers use a process for teaching. It's called a lesson plan, okay? Business executives use a process for managing a project. And of course, lawyers use a process in front of the judge or the judge shuts them down. It's called contempt of court, okay? So you have a process in the law that you use. These are process people. They follow a proven process like a baby steps process that we use.

That's why they have a likelihood of building wealth because they're processed people so you can you can decide to do that even if you're an artist even if you're not a processed person by the way artists don't show up anywhere on any of it and it's not because you're dumb or something like that but you you just make up your own rules that's part of the beauty of art trying to live free you know but you when it comes to your money you better be a processed person regardless of what your career field is. Kelly is in Kansas City. Kelly, what's your net worth?

$3.9 million, Dave. Way to go. Give me a little breakdown on that by category. Okay. Investments are at $2.8 million, which is retirement, Roths, mutual funds. House and cars is $600. And, and about $500,000 in cash and CDs. Okay, very cool. How old are you? 59.

Cool. And how much of this $3.9 million did you inherit? We did inherit after our first million, but we did inherit $250,000. Okay, after you were already millionaires. Okay, good. Fits what I was just talking about. All right. And your income range, best year to worst year? Straight out of college, we both earned $60,000, and our best year so far is about $250,000.

Cool. What do you all do for a living? What's your careers? I'm a special education teacher, and my husband is a manufacturer sales rep. Mm-hmm. Okay. High number of salespeople show up in this study, too. Okay. Well, he also has the accounting degree, so you hit both in the top five. Okay. All right. Teacher and accountant. Yeah, both of you. Okay. GPA? His was a 3.4. Mine was 3.9.

All right. Good. He married up. Good for him. You think this can still be done? Can somebody still be at 59 years old and have a $4 million net worth? Absolutely. What should they do? Several things we did. They have to be on the same page together, husband and wife. We've been together for 37 years. Um, my husband wanted this to be a goal. So he asked me to read your book. And about 15 years ago, we read the total money makeover and we were all on the same page together. Staying with your budget, saving early and often. Started saving the first year I started teaching.

Very good. I like that a lot. What advice would you give to the 25-year-old version of you? Start early and more often. What's the biggest mistake you all ever made with money i think it was a real estate um agreement my husband went into that was probably our biggest like an investment deal went bad yeah yeah how much did you lose i think it was about 100k okay cool yeah that's a bad one yeah left a mark left a mark yeah okay wow and yet here you sit at 60 years old and you read the total money makeover at 45 and are 44 and uh with a $4 million net worth. And so, wow. Way to go, hero.

How's it feel? Thank you. Oh, it's amazing. The first thing that you do when you pay off that house when you're in your 40s and it's like a weight went off your back and you're very comfortable. Yeah. And then it's easy to build after that isn't it it's so easy after that yeah your most powerful wealth building tool is your income we've said it for 30 years here and she's just telling you again folks way to go kelly so proud of you

george they're everywhere from 30 to 60 million to 4 million and it's all real boring, but also very encouraging. Yeah. Yeah. Yeah. Nothing flashy. There's no fancy. No fancy in there. Makes me feel like even someone as dumb as me could do it, Dave, and I did it.

Oh, wait. You already did. Yeah, you are. Very similar stories. Way to go. I love it. That puts us out of the Ramsey Show in the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace,

and that's to walk daily with the Prince of Peace, Christ Jesus. Take care.