The Ramsey Show - App - Are You Sick and Tired of Being Sick and Tired? (Hour 1)

Episode Date: March 12, 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. Dr. John Deloney, number one best-selling author and host of the extremely popular Dr. John Deloney Show on YouTube and podcast, is my co-host today as we answer your questions about your life and your money. Open phones at 888-825-5225. You jump in, we'll talk. Tayshia is with us to start this hour.

She's in Columbus. Hi, Tayshia is with us to start this hour. She's in Columbus. Hi, Tayshia, what's up? Hi, how are you? Better than I deserve. What's going on in your life? So I have been working my way out of debt. I actually found your page on TikTok, which made me want to start working my way out of debt. So I have started my emergency fund, which I don't know if I'm working backwards.

So I started my emergency fund first, and I will say that I have now gotten myself out of overdrafting any of my accounts. Good for you. How long has it been since you've stopped how long ago did you start the overdrafting has it been like your whole life yeah this has been in my whole life thing this is a breakthrough isn't it kid the way to go yeah it is um and then once i found like financial thing, it's taken me about six weeks to save. I'm up to $3,300. I have $3,000 in my savings account. I'm at my checking account.

What do you make? So this is the thing. With one job, I make $27. So I work three different jobs. I work two full-time jobs, one part-time. About a year, I am averaging about $90,000 a year, but I don't really see any of it because of how much debt I'm in and how much my spending was out of control. Yeah. First, the spending, yeah. How much debt have you got? So when I went to go try to file for

bankruptcy it was about 30,000 did you file for bankruptcy no I didn't because they told me I didn't qualify so how much is it all student loans most of it was I have small credit cards that are like six hundred dollars and then you said was is it gone well no it's still there okay so is then it is so yeah so we we you have how much and you how much in student loans um i have about 15 000 in student loans. I have a car note, which I have left about $6,000, and then the rest of it is just credit cards that I messed up when I was younger. You're 27? I'm 33.

33, okay. Yeah, you're in that range. That's where I figured. I was going to say 30, but I didn't want to. Okay. Good for you. Good for you. Well, so you're ready to go.

You're ready to try new stuff because you're sick and tired of being sick and tired. Am I right? Yes. I'm proud of you. Good work. Good work. All right. So here's what we're going to do.

I'm going to put you into Financial Peace University, which is our nine-week class. I'm going to pay for it. Thank you. Because you're why I do this. People that are like you. The first time in your whole life, adult life, you're not doing overdraft because we taught you something. And now we're going to teach you how to get rid of this debt.

And we're going to teach you how to control this $90,000. And I'm going to teach you how to be rid of this debt. And we're going to teach you how to control this $90,000. And I'm going to teach you how to be a millionaire. Would that be okay? Yes. Yes. I'm really crying right now. This is something that I like.

This has been my dream to talk to you because it's just like this. I've never even saved, ever saved $3,000 in my life. I literally have an account now that I get money transferred to and i don't need to look at that account until like payday comes and i just check to make sure whatever money i have the percentage is put there it's not it's not a bad start but i want it to be even more powerful than that where you don't have to hide it from yourself because you're so freaking strong that's where we're going to go okay okay all right so with the financial peace university there's a thing called the every dollar budgeting app that we're also

going to hook you up with we're going to pay for all of it and that's where you're going to give every one of your dollars a name before the month begins and you're going to make your you're going to tell your money what to do instead of wondering where it went for the first time in your life. And then we're going to start working our way through these debts, and we're going to list the debts smallest to largest and making $90,000 if you will stay out of restaurants and not go on vacation because you ain't scared of work. You know how to work.

I don't have to teach you that one. You got that going on so you're gonna make ninety thousand dollars we're gonna use thirty thousand of it and in one year from right now you're gonna be a hundred percent debt free for the first time in your adult life are you ready yes all right you can do it you can do it um because 90 minus 30, you can live on 60 once you get your crap together. Right? Yes, I can. Okay.

So you get the car paid off, cut up the credit cards. We're going to get rid of those. We're going to get rid of Sally Mae. You don't need a roommate named Sally Mae. She's an ugly woman. We don't want her in your house. All right? Okay.

And you're going to make every dollar behave. You're going to be thinking about every dollar before it comes and where it's going to go, and it's going to be on task and on goal because Tayshia is not going to be the same woman one year from today that she was four months ago. Okay? Okay. All right. okay okay all right and the other thing is john and i are here and anytime you need us while you're working on this you just call back and we'll talk about whatever it is you're dealing with okay okay all right you think you can do it i think you can do it yes i can i'm excited i think she can do it taste i know you can hey listen as you get going you're gonna have and friends calling out and saying, hey, now that you got all this money, can you help me out? And if they don't go on the budget, they don't go on the budget. Is that fair?

Okay, it's fair. Yeah. How many people you bail out on a regular basis? A lot? Majority is like my mom, friends who ask. I'm very much a loner, and if they don't give it back, I'll just say whatever. But sometimes they don't understand, like, when I loan them money, I'm loaning something that I don't even have my own. I know. I can tell that's who you are. And people of character who work as hard as you do have leeches all around them.

And part of you standing up tall for the first time. And Dave's going to give you a path. He's going to set you free. But he's going to set you free in more ways than just your money. You're going to have to learn to say no. You're going to have to learn to say no. And you're going to find freedom. You're going to find strength you didn't even know you had. Yeah, but the answer is no you're listen only the strong can help the weak and you're broke you need to quit helping other people okay yeah you gotta tell them just say no i'm

broke because you're broke you got thirty thousand dollars in debt you're broke you're living on overdraft because you're helping other people you're broke so the answer you're telling the truth i can't help you i'm broke that's the answer all the time no i can't i'm broke i'm working on not being broke and you can too i'll show you how but i i'm i'm working it i'm not gonna do this no no is a complete sentence tasha you can use it on everyone loved ones and otherwise get them hold on austin will pick up we'll get you signed up for all that you call us when you need help this is the ramsey show dr john deloney number one best-selling author host of dr john deloney show ramsey personality is my co-host today yesterday we launched d Dave Ramsey's Investing Essentials for Sale on May 21st and 22nd.

I'm going to be doing a two-night event, two hours each night virtually. And so you can watch it from the comfort of your little home or your big home or wherever it is you want to watch it. And we're going to walk through what I do with investing. This is stuff I've never done before. Not in detail and length like this. These are things that I've never done an event on it. I've shared this with wealthy people that I am coaching, and I've got lots of friends that are, you know,

net worth of $100 million or $500 million or a billion or whatever, and, you know, we talk about what they're doing. We share ideas back and forth. So what do you do? So we're going to talk about it. We're going to talk about what works, what doesn't and why, and what I per open up my playbook, my real estate, I buy a lot of real estate. How do I do that? How do I analyze a piece of real estate under what situations do I buy real estate? Do I do a cryptocurrency? A young man asked me that at the break and that kind of thing. So we get into every bit of that. Y'all know I don't do cryptocurrency. That's already

a given. So we're going to talk about the basics for a few minutes and get stuff like your 401k settled and that kind of thing. And then we're going to get into my personal strategies on extended investing things. There's a lot of people got a lot of opinions about investing. I actually do it. It's not just a theory. That's the difference. And it's got a lot. It's got some zeros on it.

So we're going to help you go to Ramsey solutions dot com slash events. Tickets are one hundred ninety nine bucks. May twenty one. Twenty two. Dave Ramsey's investing essentials. George Campbell is going to come along with me also there's going to be a format where you guys can actually submit live questions while we go along and i'll stop and interject and you know keep that moving keep a little bit of a conversation going if you will as part of it it's not just going to be me yakking at a camera the whole time so looking forward to that it's going to be good greg is in Boston. Hey, Greg, welcome to the Ramsey Show. Hey, Dave. Hey, John. Nice to speak to you today. It's a real honor.

Now, I've been just a listener for a while, and the total money bank over is a Bible in our household. So the back story is my wife and I are in baby step two. We have about 5,000 left on a credit card debt of 20,000. We just spent the last few years putting that together and being more financially savvy. We've been paying about $1,000 a month for the last year. And we've been doing so just to chip away at it. Our household income is about 200,000 between my base and my commission and my wife's salary, and we have two paid-for cars and no other debt. Now, I had a good quarter last year. I'm going to receive about $12,000, but we just had our second baby a month ago,

and we have all these medical bills that are piling up, and my question is, do I pay off? All these medical bills? You don't have insurance? We do. We have a... So how much medical bills you don't have insurance we do we have a um so how much medical bills you got for a baby so there's a long story to that my wife didn't have insurance for that time we had to do this whole appeal process but the the uh the end result is that we got her back on my insurance and our total deductible is 3200 a month a month. I'm sorry, total is $3,200. And we have a $6,800 out-of-pocket maximum. Now we hit our deductible because of the labor and delivery. And the question is now, do I just pay off the debt that I've accumulated with my commission? I'm sorry, I'm sorry, I thought you got her back on the insurance

and you met the deductible. What other bills have you got? Well, we haven't paid our deductible yet because the medical bills have piled up to the point of hitting

our deductible. Oh, okay. So piled up is $3,200 and you make $200 a year. Correct. Okay. And you got $5,000 left on the credit card. So $8,000 makes you debt200 and you make $200 a year? Correct. Okay, and you've got $5,000 left on the credit card. So $8,000 makes you debt-free and you make $200 a year.

How much is your commission check, dude? It was about $12,000 for the last quarter. Write a check and pay it all off instantly. Why would you screw around with a small amount of money when you make this kind of money? Well, I'm just a little um concerned with you know how the market is doing and i just wanted what's the market got to do with you having eight thousand dollars in debt and twelve thousand dollars in your hand right nothing nothing pay it cut up the stupid credit cards and stop screwing around with these people man you make way too much money. It's not $320,000. It's $3,200.

And you just told me, it's piling up. See what it's doing to you? Even your language says this is stressing you out, and I'm setting you free, and you're arguing with me. Help me out, man. What about this are you scared of? It's more about, like, not having the cash on hand. We just had a few major issues go on with our house. We had a water pump that had to be replaced, and it was $3,000.

You know, my car just had to be serviced for an additional $1,500. So there's just all these bills. Do you have an emergency fund? No, that's the problem. I wanted to use that money. Isn't your take-home pay $15,000 a month? Well, you know, pre-tax, yes. No, not pre-tax.

Pre-tax would be $18,000 a month. Your take-home pay ought to be north of $10,000. You don't have any kind of a budget or spending plan that you and your wife are agreed on. And so you're throwing money into chaos and you're wondering why it's creating more chaos. You need to do your written game plan and you will get peace from that. You will never get peace from stacking cash in chaos. Okay.

And you need to write a check and pay off this stuff today. What Dave just said, don't miss that. You are chasing peace by trying to get a dollar amount in an account. That is not where it will come from. The peace will come from, and we know that because teachers become millionaires over time. The peace is going to come from the plan and then living out that plan. Yeah, laying out a detailed thing and executing the detailed thing. And so there's an amazing thing that happens with money that when you start telling it what to do,

you will feel like you got a raise. I'm sitting here aghast that you're stressed and have this level of anxiety and drama around eight thousand dollars when you make 200 but what that tells me is is you have absolutely no control over your money and that chaos is sucking up all of your money you make yeah you make two hundred thousand dollars this should be the most and you got a baby for three thousand bucks this should be the most joyous time you're rich yeah but your words are indicating your stress level it's like because when you start saying medical bills are piling up i thought we had a million dollar

nicu bill or something right the way you were talking about it and it's three thousand dollars which is a lot if you make thirty thousand but if you make two hundred you you know but so it's not the money it's the drama and the drama is we don't have a plan we're out of control and so i can't see my way to taking care of the pump if it goes out even though i'm bringing home eleven thousand dollars a month you know and so yeah you you're gonna be okay but you're gonna have to get on a game plan get the every dollar budget app and get started with your spouse tonight and write a check out of this and be debt free tonight and make this the first month of your life that you tell your money what to do instead of wondering where it went this is

the reason people have too much month left at the end of the money no one sits down says i have a plan to be broke no one plans to be deeply in debt and oh sally may for 20 years no one plans to have master card be their master or american distress be their sister you know no one plans for that no one intentionally says hey let's go deeply in credit card debt that'll help us right just happens because there's no plan there's no plan how often how often do you hear people undercurrent i heard in that call was, he had a plan for that quote-unquote bonus money he's going to get, and now it's got to go to paying off a credit card.

And it feels like he lost, in addition to paying that debt, it feels like he lost that $12,000 because for the last quarter, he's been waiting to get that bonus so he could go buy a boat or a car or whatever. And it feels almost like a double whammy. Yeah. It is. It is. It is because you've spent the money twice.

You spend it in your head or your heart. And most people spend it like three times. If I have like a commission check I think I'm going to get and it ends up being half, it's still a stupid amount of money, but I feel like, ah, I got robbed, right? It's that, come on, man. Come on, man. Yeah.

This is The ramsey show dr john deloney ramsey personality is my co-host today open phones at 888-825-5225 today's question comes from deborah in ohio my brother-in-law recently died in his sleep and my sister had passed away in 2019 when their children met with the insurance company they found out my oldest son and i were named as beneficiaries i think this may have been an oversight because the children were minors when they got the policy they still will get an ira a house a car etc the kids are pressuring me to sign over their money it would help to hear from someone not close to the situation what should i do um Well, I think you need to make a decision of was this an oversight.

If it was left to you to take care of them when they were minors and they're no longer minors and he just hadn't been diligent with his estate plan and fixed his beneficiaries, then you are saying you accidentally did get money that was intended for them. If that's the case, I would give it to them. If, on the other hand, if we, that's what it sounds like, but if there's another scenario that's like, okay, he wanted to leave us some money, and he used the policy to do that, and he very clearly intended to do that, and they just feel like they're entitled to it just because it was their dad and mom, but dad and mom had a very clear intent to leave it to us, then they're just up a creek.

You're not entitled to anything because you're kin. It's not their money. But if you truly do believe what you said that you think it's an oversight then on a moral basis i'd give it to them or option three maybe these kids are hurting obviously they've been through a lot the last few years but if they're running to their aunt saying um give us our money maybe there was some anticipated immaturity and we want you to do what's right with this money that's best going to love these kids maybe not but

man yeah i mean it again i think you need to decide what your brother-in-law and your sister's intent was. Legally, you can keep the money. It's not their money. Legally, it's your money, period. No question. Nobody's going to argue that. No court's even going to look at this. They'll dismiss it in 30 seconds, okay?

It's your money. It's in your hands. If you think that it was a mistake, it was an envelope mailed to the wrong address, and you do feel like it's rightfully theirs, then I would give it to them. Just would. That's what I would do in that situation you're asking. Again, though, on John's point, option three is the parents felt like the kids were too immature to handle this money, and we don't even know how much it is. You't tell us um life insurance money so i'm guessing it's

north of 100 grand but um mom and the parents left it to you because they thought the kids are going to mess it up they should have left it into a trust instead but they didn't left it to you and left you in an awkward position then you can handle it like you think they want it handled which would be to dole it out slowly to the kids like they might have done if it was left in a trust that's a good point john you could do that i let's see here i think this might have been an oversight because the children were minors when they took out the policy that's what i'm going on right but i I'm just thinking of my family members. And if I have a niece and a nephew, one of which is doing great, one of which is really struggling. And I know that my brother or sister, were they alive, would treat this differently.

And they gave me the money. I'm just thinking out loud here, but maybe I might say, no, for tuition, yeah, but not for your life challenges. I'm going to take care of you like they would have. There you go. And I'm going to love you well. And you may not like that. Yeah. If you don't like it, I don't care.

You're not in control here. I'm in control. It's in my control to do whatever. But you can decide. What I would go with is what your brother-in-law and your sister's intent was. If you think you can anticipate that. Was it to take care of this and manage it for these immature adults, or was it just they screwed up and never made the beneficiary change?

That simple. And I don't know. You said in your email that you thought it was an oversight. And so that's what I'm going on. Guys, this is why you go to mama.bearlegalforms.com and you get a will. And by the way, when you die, the state that you're living in will do the probate,

not the last state you lived in when you did your will at the other state. So when you move to a different state, when you go through a major life change, you need to update your will. When the kids grow up, you need to update your life insurance policy and change the beneficiary. And you've got to keep up with this stuff. And so, you know know this is what rich people do they take care of the money so the lawyers don't get it in some argument uh about something because they take care of business and so i'm sad for the loss of your brother-in-law and your sister i'm sorry for that but their job was to not have this mess.

Your job is to not have this mess, people. Your job is to get a will in the state that you live in, in the family situation that you're in. So as soon as your spouse passes away, you need a new will in the state that you live in. As soon as you move or you get a divorce or the kids grow up you know we had one set of estate plan before when our kids were minors when they were no longer minors we changed the estate plan and had a new will done and so go to mama bear legal forms go to your estate planning attorney

and get this stuff done this is how families end up not speaking to each other my aunt ripped me off she took all that money that mama gave accidentally because mama didn't fix it and that bunch of freaking rednecks you know i can hear it now i've grown up with them my whole life you know and shut up it's just white trash shut up Don't be arguing about money. Love your family. Take care of your family. And if you're going to cut somebody out of the will, tell them while you're alive. Let them be pissed off at you while you're walking the earth. Don't leave it on somebody else to get pissed off at.

So, you know, mad at my aunt because she executed the will exactly as it was supposed to be executed and was written and she's the executor of the estate which by the way means execute that's what it means you have to do what the will says and the will says you didn't get any money so you're mad at your aunt that's dumb you can be mad at your mama's what you need to be mad at she's dead but she's the one screwed you out not your aunt your aunt has to do exactly the way it is so you folks if you're going to do that stuff do it while you're alive we have a full-on estate planning meeting that goes two hours every year basically if dave dies this year this is what it looks like it's all laid out for the whole company leadership publicity plan traffic control everything it's all discussed

it's ridiculous because i love my family so much that i don't want them in a situation like that to have to deal with crap that i was supposed to deal with when i was alive that's called doing a will did i get fired up about that no No, I'm kind of waiting to hear what you really think about the whole thing. And just so people know, this is not academic. I had an opportunity to get a will done by one of the great wills and trust professors

in the country, Jerry Beyer. Walked me through it, did my whole thing in Texas, and then i moved and one of the first things we did when we got to tennessee was mama bear wills and we did a will there and it's it's it's not going to do my whole estate plan all that but but i had to have something on paper that that is valid in that state because i'm a responsible parent in that state estate planning is state law probate law is state law it's not federal law

and so louisiana law is way different it's french-based california is way different it's granola based i'm telling you this is there is a the laws in these states are dramatically different so you need to do a will in the state you live in right now. This is The Ramsey Show. Dr. John Deloney, Ramsey personality, is my co-host today. Joseph is in Greenville, South Carolina. Hey, Joseph, what's up? Hey, Dave, how are you doing today?

Better than I deserve. How can I help? So, just a little background. Back in 2015, I was in a terrific car accident where I sustained a severe traumatic brain injury. And for four years after that, I underwent many surgeries, one of them being one of the world's most dangerous surgeries, a craniotomy, which required the removal of half my skull for several months, and I had that done a total of three times. So life hit me hard out of nowhere. So the question is, and today I'm doing, and I just want to say I'm not your typical severe TBI survivor.

I'm very blessed today. I have a beautiful family, two daughters, beautiful wife, and a job in the house. So I'm very blessed today. But the question I have for you is, how do I embrace the present moment to its fullest potential while also ensuring that I prepare for my future? Being someone that knows how finite life can be, how quickly it can end, I just don't want to put myself in a place where I'm so focused on saving for the future to one I might not have, if that makes sense. Yeah, but it sounds like you've made a mutually exclusive. What's the difference between living in the moment

and preparing for your financial future? Like, you know, I've been tackling debt, but I want to make sure that when I have vacation time, I go on the vacations. I want to make sure I enjoy the money I have now, but I also want to be saving it for the future for my kids. And you feel like you're missing out on something if you don't do it in a spectacular fashion? Let me tell you the thoughts that are going through my mind. We had the opportunity for the first time ever in our family's history to do an out of the country, all four of us, me and my wife and the two kids went. And it was a magical trip and it was pretty cool. And we did that last year. If you were to ask my two kids what their favorite trips,

what's your favorite vacations? They would name that one, and they both would point back to this time we caught the giant catfish. What they don't know is the giant catfish was at a KOA. And we put a line out over water, I mean overnight, and we got up and fought that thing all morning, and it was a blast, and then we ate the cafe. It was a whole thing that we did together.

My point is… Didn't cost any money. Didn't cost any money. And so it's this idea that YOLO, it has to be shiny, and we have to get on jets and go across the world versus the most precious resource you got is time. Yes, I do agree with that. Okay.

So then there's no strain between your vacation and your debt reduction or between your vacation and your savings. Well, I understand the, you know, obviously you can have fulfilled moments without money. You can do these things without money and stuff. But I also understand if it's hard now, it's easy later. So I want to make sure I, with my job, get as much overtime as I can, be able to save as much money as I can.

But at the same time, I want to make sure I'm not working so much and I'm not seeing the moments just pass by. Yeah, you've got to have a plan. So here's the thing. You're projecting these concepts as if they never ebb and flow, as if they're a straight line. Like, I'm going to work overtime for the next 25 years, and I'm never going to see my children.

That's not how it works. It's not how life works, number life works number one but it's also not what we suggest so but would i work overtime even in your situation where you've had this tremendous um uh drama that you've been through this legitimate uh that that makes you value every precious moment and i get that that's. That's a clear perspective, right? And so what does that do? And it's like going to one of my good friends' funeral the other day. It's like one of the pastors said it's a tuning fork.

Funerals and births are a tuning fork. That calls us to reset our lives and be very careful with what we're doing and thoughtful about what we're doing instead of just wasting away our lives. And that what this event did for you and that's what you're bringing up and that's very wise that's a good reason that's a positive result from the horrible thing you went through so i'm aligned with you on all of that but um you know when we say live like no one else so later you can live like no one else it's a sprint so that you can get in the rhythm of a marathon and the sprint is is the only thing that's in question and so you know you got 18 months to get out of debt you're gonna work like a crazy man overtime and you're gonna pile up some savings get your emergency fund in place

but i don't want you doing that for 18 years and can i flip it around joseph few people in the world understand like you do that you can be taken away from your family in a blink of an eye. And you and I have both accepted a responsibility as providers for our family that we're going to put them in the best possible situation, not if, but when we go. Dave has too. And so you know, if I'm in debt, if I'm behind, I'm going to work with all I can to get caught up so that I leave my family in the best possible position too. Yeah, so what I would do is say, let's map this out, okay?

How much debt have you got as an example? Let's use that as an example. Okay, so I just recently finished paying off my wife's R student loans. Good. And so right now I'm about $1,000 in credit card, and I have to finish paying off my house and car. Okay, how much do you own the car? About $10,000.

Okay. So you have $11,000 to be debt-free other than the house. That's what we call baby step two. And what do you make a year? About $70,000 to $80,000 a year, depending on if I'm wanting to put in the grind for overtime. Yeah, okay. All right. So I'd put in the grind for overtime until I cleared the car and the credit card and cut the credit card up, be on a budget, and then let's get in steady mode and say, all right, part of our budget is enjoyment. Part of our budget is enjoyment part of our budget is 15 of our income going into retirement part of our budget is we're going to throw a little extra at the house

part of our budget is travel um part of our budget is life and you just start segmenting that out and you can do all that but for but i would i would go on a short sprint here and knock that car out and that credit card. That's an example. And then, you know, here's the thing. If you lay it all out, you can save for long term. You can save for college and save for Christmas and save for a trip. All in the same budget. There's room in your budget to do that with what you just described. and save for a trip all in the same budget.

There's room in your budget to do that with what you just described. But you're going to have to be very intentional about it and very careful. And you might look up and go, oh, we need to buy a mom a different car, so I'm going to go work overtime for a month and save up that little bit of extra and knock that car out. You can do that. But it's a come and go thing. I never have in my life personally or prescribed for someone else the idea that you work 80 hours a week your whole life. But I've worked a lot of 80 hour weeks in my life. And I'm not a bit ashamed of that.

My children are not in counseling because of that. I didn't miss out on their childhood because of that. None of that crap. Okay. It's a bunch of whining. And so, but I have worked some 80 hour weeks. I also have done periods of time where I don't do anything. And so, um, I just got back off the longest vacation of my life. I've never done that before. Uh that before uh and so i'm not opposed to that but you know the point is the stuff is ebb and flow the problem people have john not joseph but other people on this whole subject and we'll just finish that up is that they that they're never where they are that's exactly right they're at work and they got one they're halfway at work not paying attention and if they're operating powerful machinery they're at work and they got one, they're halfway at work, not paying attention.

And if they're operating powerful machinery, they're a danger because they're thinking about they ought to be at home. And then when they're at home, they're thinking about they ought to be at work. And then when they're on vacation, they're thinking about they ought to be home at work instead of like, Hey, why don't you be where you is? Turn your stupid phone off, throw it in a basket or the lake, one of the two, and be where you is. And then you start to get this life balance that's real. Or don't work an 80-hour week indefinitely because you think chasing something's going to solve you or heal you or make you some sort of superhero.

Work 80-hour weeks when you get a job done. Yeah. And then when you get it done, stop. Stop. That's right. Yeah. Move on to the next thing it's called being an adult yeah back it off but it's an ebb and flow the tide comes in the tide goes out this is not a still lake where the levels never change this is the ramsey show Thank you. you