The Ramsey Show - App - Consistency Compounds During Your Debt-Free Journey (Hour 3)

Episode Date: September 5, 2019

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. We are so glad you are here. Open phones at 888-825-5225. That's 888-825-5225. Rich is starting us off this hour in California.

Hi, Rich. Welcome to the Dave Ramsey Show. Hi, Rich. Oh, hi, Dave. I appreciate your wisdom. Thank you. I'm calling, my wife and I are mulling around how to be more helpful or encouraging to our adult daughter and her husband. The issue is this, we are at our will and our estate planning,

since she'll be our only beneficiary, we'd like to get some help with how to persuade, cajole, or otherwise goose them into accepting some kind of financial planning advice. They are good, smart people, and we don't have any major tensions with them, but we brought this thing up in kind of a soft-pedaled way before, and my daughter kind of defers to her husband on this, and he's kind of a good but kind of stubborn guy. And when we look at the amount of assets they will get dumped into their lives when we pass on,

we wish we could have more of a say in sort of how they manage that down the road, short of putting some kind of legal binder on it. How much money would you leave them when you die? Well, if my wife and I died today, they would probably get between our assets and our insurance somewhere in the neighborhood of $3 million or more. Okay. And basically what you're saying is they don't do bad, they just really are kind of disorganized, lackadaisical, and they really need to get their act together. They are living pretty much paycheck to paycheck is just

his paycheck and he also has child support you know obligations to his first wife that will go on for at least another eight years so let me give you a proposal let me give you a proposed idea for you and your wife to consider leaving someone that refuses to handle money well a big pile of money will ruin their life right so i would not leave them the money unless they agree to become responsible because you're going to give them harm i mean you've read have you you've read the stories about the lotto winners who end up in divorce court the lotto winners who end up you know ruining their lot the money ruins their lives it doesn't it's not a blessing when you get money and you don't know how to handle it it's not a blessing it's a curse oh we're with you on that and so you would be harming

your own daughter to leave her this money in this current situation. And so that's the way I would approach the conversation and just say, okay, number one, you guys are adults and you get to do what you want to do. We're not control freaks. We're not over here trying to tell you how to live your life. But we have a problem. Our problem is we have $3 million and we would like to leave that to you all however in your current state we know that that would bring you harm rather than be a blessing and we love you too much to give you harm so uh the only way we would feel good about leaving you

this money is if you were handling money well so that this money is a blessing to you we refuse to harm you because we love you too much. And so if you guys want to keep doing what you're doing, you have that right as adults. We're not going to interfere in your life, but you need to know we're going to leave the money to a charity. If you want to get on board and learn how to handle money so that this money is then a blessing to you and to our grandkids and whatever else, then we can show you a little bit how to do that. Again, we're not trying to control your life,

but we refuse to bring harm to people that we love. That's an interesting way to frame it. We hadn't gone down that road, but I get it. Yeah, so you're going to go through Financial Peace University, you're going to meet with a financial planner, or you're out of the will. That's the cold message. I would not deliver it that way. Yeah, no.

We have a financial planner we've been working with for over 20 years, and, you know, if they would agree to meet with him, you know, we would have to temper. Well, and they need to go through a basic financial class like FPU because they can't even make a budget. Yeah. Well, you know, I'm with you on that. They feel like they're just, you know. I know what they feel like. But you and I know why they feel doesn't matter. They're inept.

They're incompetent. Right. Yeah. So their feelings don't really matter in this discussion. So in my house, we would add another way of framing it or an additional layer to the framing. And as a matter of fact, it is how we've handled it at our house. And that is, as people of faith, as Christians, we say it's not our money. It's God's money.

We have to manage it. And as a good manager, I can't leave it to a bad manager Well that's, we've kind of toyed with that because our son-in-law actually and our daughter they met as attorneys and he in a sense over that time has, he still does some work but he's become a pastor so i think that stewardship idea exactly then you've got that you've got that lens to discuss this through and so you know and

basically my will my trusts are set up with our grown kids now that if they're going to be living a life of misbehavior they are not no longer in the will automatically or even after i die they'll lose their ownership in ramsey if they start if they decide they're going to snort cocaine and live on the back of a yacht we're not trying to raise reality tv stars neither way yeah is there a another avenue about having some i, there's nobody in the family we think we should take this on, but having some kind of a trustee, a financial person of some kind, like a bank person? Yeah, but the problem is that that trustee is under constant pressure by these people who are irresponsible to give them money, and he's going to be continuously no.

And really what's going to happen is every time they go to the trustee and the trustee says no, you're still irresponsible, they're going to be mad at their dead father all over again. I'd rather get the mad over with one time. No, right, right. I mean, you know, nobody knows the future, but my wife and I have no reason to think our mortality is going to end tomorrow, but there's no guarantee that we are trying to think ahead here.

Yeah, and the good news is that, you know, you do have leverage. If you're going to give someone money, you have the right to speak into that or choose not to give them money. And they're not entitled to this legally, morally, or spiritually. They're not entitled to this money. It's not their money. It's yours. And God has given it to you to manage and manage well, and giving it to someone who's irresponsible is, by definition,

not managing it well from a stewardship perspective. And so that's the way our kids are taught. Misbehave or be irresponsible or be lazy. We're not giving it to you. It's not ours anyway. We're managing it for God and not going to let you mishandle it for God. Just because you put a fish on the back of it doesn't mean you can drive it. This is the thing, man. You've got to have some sense about stuff. It's aggravating. It's hard to do. But good luck with it. I hope you can work that through without hurting everybody's feelings. It's aggravating. It's hard to do, but good luck with it. I hope you can work that through without hurting everybody's feelings. It's necessary though.

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How can I help? Oh, yeah. I just had a quick question for you. A friend of mine actually told me about your show on YouTube. I'm about $40,000 in debt between myself and my fiance. And I want, I'm trying to figure something out

that I can do to try to bring it down a little bit better and a little bit faster than what we are doing now. I make about $60,000 a year when truck driving, but anytime I get any money saved up, we wind up spending it or blowing it um we have two other people living with us her brother and our roommate one of them have a job

the other one doesn't have a job at this time i just wanted to see if i can get your opinion on something i can do on that when you're getting married haven't decided yet um our original plan we've actually been together for about eight years now so uh my original plan was to get out of debt um before we got married and we've been able to chisel it down why uh i was afraid to inherit her debt and she was afraid to inherit her debt, and she was afraid to inherit my debt. It was kind of stupid, I guess. So what does she make a year? She actually just recently got terminated from her job. She was actually driving trucks as well for a few months.

But we were at, between the two of us, about $140 a year. Now it's just down to me for about $60. And she just now got a job as a CNA making $14 an hour around there. Pretty big pay cut. Yeah, it's pretty major. And the sad thing is we were originally planning on paying our bills down, and we were doing it slowly when she had that good job. And by doing it slowly, it kind of messed us up when she got terminated from that job.

Yeah. Yeah. So why does she not go back and make the same kind of money for somebody else that she used to make? Well, she can't go back into trucking at this point in time because she had a couple of accidents while she was in the – with her company. Oh. And when you drive trucks, unfortunately, there's a thing called back report. It's kind of like a correct report for a trucking company.

Oh, yeah, definitely. Yeah, that's a good reason okay and that's why her that's what her termination was over she's no longer insurable yeah yes and she was originally going to work for 11 an hour but got back on with her an old dna job that she had where she was making 10 an hour but they want her back so badly they offered 14 yeah okay all right and how much debt does she have as an hour, but they want her back so badly they offer her 14. Yeah. Okay. All right.

And how much debt does she have? For me, I have 28. No, you have 40. How much does she have? Between the two of us, we have 40. How much does she have? 12,000. And so you have $28,000?

Yes, I have $28,000 and she has about $12,000, but it just keeps going up and up. When you're not married, you don't pay each other's bills. So she works on her $12,000, you work on your $28,000 until you get married. People that don't pay rent don't get to stay. So the guys in there need to get jobs, and the parasites need to move somewhere else or get jobs and pay the rent, or they need to move. And then you guys, you've got to sit down and develop a plan

with your money on a written budget that says, I'm going to pay the rent, I'm going to buy my lights and water, sit down and develop a plan with your money on a written budget that says i'm gonna buy i'm gonna you know pay the rent i'm gonna buy my lights and water i'm gonna eat and that's it everything else is going on this debt till i get it gone and you can get it gone in a year if you do that about a year yeah but you're on beans and rice man there's There's no more partying. There's no more life. Yeah. All you're doing is getting on the debt. Because you told me what you were doing.

You told me, I'm screwing off. I get money, and then it just goes, and I go buy something. You're not allowed to whine about not getting out of debt if you keep living like that. Yeah. It's got to be game on. I it's it's a pretty simple formula it's like you know you get in the truck and you have a destination you put that in the gps and you're either going to follow that or you're not going to get to the destination right correct the same thing with this you're either going to take these steps or you're not going to get out of debt and so you got to go

i'm done being impulsive i'm done you know this money just slipping away every month i'm going to eat barely and i'm not going out to eat ever and i'm going to pack my lunch in the cooler in the truck and we're going to live on nothing, no life, because I worked too dadgum hard to be this broke. I mean, you get sick and tired of being sick and tired. That's what turns it around for you. You do all that, you can do it. And I would suggest that if you're going to get married, that it's time to get married.

It's time to paint or get off the ladder, dude. I mean, eight years, really. It's time. Decide what you're going to get married. It's time to paint or get off the ladder, dude. I mean, eight years, really. It's time. Decide what you're going to do here. How are you going to live your life? Because y'all just been playing footsie with every little part of this, and you really need to decide this is who we are, this is what we're doing, and, you know, adults devise a plan and follow it. Children do what feels good.

And I've been right there where you are. I've done dumber things than you're doing. I've lived more impulsively than you're living. Um, I used to think when you went to Sam's or Costco that the cover charge was 200 bucks. I thought you had to buy something in there, right? I thought it was federal law. You had to buy nine gallons of mustard or they didn't let you out, right? I thought you had to spend everything you made. And I bought stuff that I didn't even know what it was. I understand. I understand what impulsive feels like and being broke feels like.

And I finally just said, no, I'm done. I've had it. I'm not living like this anymore. And you've got to have that moment, sir. Nivea is up next in Texasxas hi nivia how are you good how are you mr ramsey better than i deserve how can i help all right so um we are newlyweds my husband is here with me and we have 90k in uh total combined debt now. 64 is my student loans.

I went to a private college in Philadelphia. Crap. And my husband makes 72K right now. He's expected to get to 100K because we are planning to move back to Philadelphia to live with father um to get out of debt um so wait a minute he's gonna make 100k in philadelphia yes what do you do i i haven't worked for the past year why because i i've left two jobs to follow him why oh to follow him he keeps moving around yeah we were in florida what do you do for a living what's your degree in for 64 000 i have a degree in criminal justice i was a probation officer for several years but because we kept moving it's been kind of sticky for me to get back into the field and

because we got married this year i was so busy planning the wedding so okay so what's the other debt other than the 64 000 student loan he has a kia for 13 000 10 000 left on the kia and he has um a small student loan debt uh 74 to 90 is not a small student loan debt. Mm-hmm. Is a $26,000 student loan debt. $26,000? Yeah, about that. Mm-hmm. Okay. All right.

Okay, and so what would you make? Okay, you're moving to Philadelphia. He's going to make $100,000, and you're going to go get a job making what? I have connections there because that's where I internship, and I have friends there in the field. So I can make about $35,000 to $40,000. Okay, so we have a household income of $140,000, and we have debt of $90,000. Why are you moving in with your daddy?

Why don't you just go get an apartment? We have an apartment right now, $1,100 in rent. But I guess we've been so disgusted with our debt because I haven't been working the past year. Well, so go get a job and get an apartment. Let's start our life. That's true. I wouldn't move in with your parents. You're making $140,000 a year.

Jeez. You don't need to move in with your parents. You get an apartment and live on beans and rice and pick up side jobs and get on a budget and begin to attack this debt. How fast can you pay off 90 making 142 years? That's 45 a year. You've got to be able to do that easy. This is the Dave Ramsey Solutions, right on the debt-free stage, PG, PJ, and Ashley are with us. Congratulations, guys.

Thanks, Dave. Where do you guys live? We're in Atlanta, Georgia. All right. Very fun. Welcome to Nashville and all the way here to do a debt-free scream. Yes, sir. How much have you paid off?

$74,000. Good for you. How long did this take? 36 months exactly. Wow. Fun. And your range of income during that time? Range of income was around $80,000 up to $105,000. Cool. What do you guys do for a living? So I work in sales and marketing for the leadership development. And Ashley? I'm a behavior analyst and I work with children with autism. Ah, okay.

Very cool. Good for you guys. So what kind of debt was the $74,000? The debt was everything from student loans, undergraduate and graduate, to cars, credit cards. You were like normal. Yeah, pretty much anything that you could charge or get a loan for. How long have you guys been married? Three and a half years. Okay. So this is a three-year program.

So I'm guessing getting married had something to do with starting this. Tell me the story. That was a big one for me for me you know especially getting married understanding that oh now i got a wife to take care of i better get some stuff uh together and in place and so um uh so that was a huge start for me and just really the idea of of of wanting to uh live a legacy and and create something more out of my life rather than just seeing money come in and immediately go out every single week. Yeah. That milestone of getting married does change things.

Huge, huge. So how much of the debt was yours, PJ, and how much was Ashley's? I would say it was pretty close to 50-50. Oh, okay. Yeah, it was pretty close to 50-50, both of us. I was the one that carried the credit card, and so we both had student loans and brand new cars um that we had um and then i carried the extra credit card but it was pretty split yeah so what are y'all like 28 29 32 and 33 okay right there okay all right cool very cool so tell me how this went down i mean you're you're

dating both of you're kind of like yeah and then and then with money and all of a sudden there's something happened other than just i mean you could have just kept going gotten married and kept going right yeah but but what how did this conversation happen what what what intersected you yeah so i think it started we both took financial peace separately oh and then while we were dating we just continued to have that conversation about what do we want our financial future to look like. And so it was really just even while we were engaged, compiling all of our debts together and just wanting to hit the ground running.

So I think the big catalyst for it was just, you know, wanting to be on the same page during marriage. That's huge. Yeah. So Financial Peace University going through it really did not activate until the engagement then. Yeah. Yeah, it was. You didn't really apply all the information until you got serious about life.

Yeah, and I think the biggest thing for us, even with the FPU of understanding, is just the accountability factor. Now I had somebody that, you know, in a sense I was responsible for, and we were responsible together. Just having that accountability. And that really played even into our three-year journey. There were moments where I was super motivated and she was, how we can skimp on this or that? And vice versa.

She was super motivated and I wanted to go out and buy this or that. And so I think that accountability was one of the main sticking points for us. Yeah. Well done, you guys. So who were your biggest cheerleaders? Gosh, we would say each other, just that accountability. And then our families just providing support throughout the debt-free journey. We had our first daughter.

She's almost two. Awesome. Her name's Margaret. And during that time, we paused and saved up money. And at the time of delivery, we had some emergency delivery and a NICU stay for a couple years now. A couple weeks.

Felt like a couple years. Yeah, felt like a couple years. And just being able to pause and save money just yeah you know it made a big difference made a huge difference not to have to worry about paying for meals while we're at the hospital you know where we were going to stay and just to be close with her and just not have to worry about any of that so yeah cool and she's doing well now, obviously. She's running around. Running around here somewhere in the lobby, I saw her. She's cute as a button.

Yeah, that's fun. Very cool. Very cool. So what do you tell people the key to getting out of debt is? For me, my biggest focal point, the thing that I found success was the idea that consistency is key. Completely believe in the principle that consistency compounds. One of the hardest point of the debt journey for us is, yeah, we kind of have an idea of when our debts will be paid off and when the deadline would be. But it always

seemed like an elusive timeline of, okay, we think we're getting there. We think we're making, you know, traction. But understanding that, you know, even though you become demotivated and issues like, you know, issues with pregnancy come up and delivery and different emergencies come up, just understanding, hey, you got to keep your head down. Be consistent over no matter how long it takes you. And, you know, you look up and just understanding, hey, you've got to keep your head down. Be consistent over no matter how long it takes you. And, you know, you look up and be like, oh, my gosh, we're there. Wow. And all of a sudden, yeah, there's this breakthrough moment.

Yeah. So what about you, Ashley? What's the key to getting out of debt? I would say just, you know, I'm the budget person. I like the money aspect of knowing where it's going and what's coming in, what's going out. So just really sticking to that budget and having a plan, I would say, is the biggest thing. And just, it took time to get used to, but just using cash, you know? Yeah. Did you grasp the idea that as one of your first orders of business of marriage, you learn to work together.

Yeah. Absolutely. And that applies to so many different other areas of your life. You've got a head start on everybody that gets married if you do that. I mean, it's a big deal because a lot of couples live almost separate lives for a decade. And then they have to try to learn to work together when something comes up like money or something else. Yeah, you guys have a huge advantage here. very well done well congratulations thank you we're very proud of you guys you're heroes man you did it so is margaret gonna get in the screen where we're

gonna she is yes she's gonna join us somewhere all right very cool all right she really wants to put the headphones on well she'll be grabbing them in a minute. Little Margaret and PJ and Ashley, $74,000 paid off in 36 months, making $80,000 to $105,000. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free. We're debt-free. Yeah. I love it. That's perfect. debt-free! Yeah!

I love it. That's perfect. Oh, man, that's fun. Very, very, very well done. You know what a budget is? A budget is when you write your goals for money down on paper for the month. And that's what they did. You know, the key to getting out of debt, right?

A budget. Write your goals down on paper. And, you know, what happens, something about it, the Bible says write the vision and make it plain. Something happens when you have goals that are clearly defined, measurable, specific. You emotionally own the goal and you write it down something happens when you write it down and you put it to where you see it fairly often changes everything

it's a powerful powerful principle and it works and that's why i'm so excited to tell you about our brand new 2020 goal planner by our own ramsey personality christy wright now she wrote the number one book best-selling book business boutique a woman's guide to making money doing what she loves you know and it's guided a lot of ladies the goal planner is not just a calendar we did it last year it's sold out it is a tool to help you personally grow and it guides you through putting your goals on paper and shares the inspiration to see them through you're going to love this thing the 2020 gold planner is on sale today christy right fans check it out 49.99 and dave ramsey.com or businessoutique.com or talk to the Ramsey Concierge Team at 888-22-PEACE, 888-227-3223. Thank you. Our scripture of the day, 2 Corinthians 9-7.

Each of you should give what you have decided in your heart to give. Not reluctantly or under compulsion. For God loves a cheerful giver. Billy Graham said, God has given us two hands, one to receive with and the other to give with. We are not cisterns made for hoarding. We are channels made for sharing. Ethan is with us in Texas.

Hi, Ethan. Welcome to the Dave Ramsey Show. Hey, Dave. Thanks for taking my call. My pleasure. How can I help? Well, I've got an overfunded emergency fund right now, and once I get my six months of emergency fund put in there, I'm going to have about $100,000 left over. And I was going to see if you think it's a good idea to fully fund my truck that I'm driving now.

I've got about 200,000 miles. I'm going to try and make it last as long as I can. But I'm trying to see if you think it's a good idea to go ahead and fully fund my sinking fund on my truck and dump about $30,000 or $40,000 to where I have enough money saved up on my truck and then use the $60,000 mallets to put it to an account for rental investments. Okay. So above your emergency fund, you have $100,000. Yes, sir.

And how much do you make a year? Right now, a little bit north of $400,000 this year. My goodness. Congratulations. Thank you. Yes, sir. Thank you very much. What are you doing for a living sales i'm in sales wow you're killing it man that's awesome yeah yes yeah i'd buy why are you waiting to buy a truck i mean the truck i'm driving now is good um really no need to you know it's driving just fine but i'd much rather have the money sitting there waiting when oh i definitely want you to do that.

Are you on the road a lot? Quite a bit. I put about 20,000 to 30,000 miles on my truck a year, so it's nothing crazy. It's not like driving around in town, but it's definitely going to be going down in value. I'd rather get, you know, as much value as I can out of the truck I have now, because like you always say, it's just going to be going down in value. It's not a good return of investment, obviously. Well, yeah, number one, you would be – you're already debt-free, right?

Yes, sir. Yes, sir. Okay, and you have your emergency fund, which then brings us – and you've got the money to buy your truck, which leaves us $60,000 left over. We put $40,000 aside for a truck, and then we would just walk up the baby steps from there. You start investing 15% of your income into retirement. Are you doing that? Yes, sir. Yes, sir.

I've already started $529,000 for all three of my kids. I've already maxed out my 401Ks and Roths this year. I'm in mutual funds now. Is your house paid off? Yes, sir. I'm on baby step seven. And you're killing it, man. How old are you?

I'm 30 years old. Goodness gracious. What's your house worth? About right now, about $330,000. Man, you're going to be a millionaire in 20 minutes. Well done. Very well done, sir. Thank you.

Thank you. Yeah, I'd start using that $60,000. And what I did when I was at your stage was, which is baby step seven, everything's paid off. And now you set the money aside for the truck. You got your emergency fund in place. Then what I did is I started putting my investments into just no-load index funds. I just opened up like a Vanguard no-load index fund, and I just chunked the money in there until I had enough money in there to buy a piece of real estate that I pay cash for that's income-producing. I got you. Okay.

And then once I got that, because I love real estate, and you were asking about buying rental real estate. So, yeah, throw your 60 into a no-load and then throw some more at it. You've got so much income coming in. You've got no bills. You'll be able to build up a pretty good chunk in there pretty quick and pay cash for your first property. But income producing. Because that income then adds to your income.

And the next one, you know, you've got the money even faster. And then the next one, you've got the money even faster. And, you know, you just snowball in a positive direction then on all of this so man that's impressive very very well done all right elena is with us in florida hi elena how are you hi dave i'm good thank you for taking my call sure what's up so i worked as an hr manager for about four years with a company, but they actually shut down in July due to bankruptcy. So about two weeks ago, I got offered a new work opportunity in a new city. It was $60,000 a year and in the same field, human resources. But when I, my first day, when I walked into the hospital, the manager that,

the guy that was supposed to be my manager, he actually was in the process of resigning because the state had, the week prior, ordered that hospital to shut down. So I pretty much walked into a jobless job. So to move out here, I did sign an $1,100 a month lease. My monthly bills are about maybe $800 with car insurance, car note, phone bill, food. And I'm about $20,000 in debt. So I've been trying to budget myself, but I think my only option right now is to file for bankruptcy. Bankruptcy is not going to help you. You don't get out of paying rent in bankruptcy.

You either pay the rent or you don't get to stay in any form of bankruptcy. And you still have to pay your money. You still have to eat. Bankruptcy does not create an income. You don't have a debt problem. You have an income problem. Okay.

Yeah, because take the $20,000 worth of bills, whatever that is, and just throw it in the trash. Let's not worry about that today. Today you just need to eat and get this rent paid or get out of this lease. Have you talked to your landlord about what happened and how can I get out of this? Yeah, but I have to pay about $2,000 to cancel the lease. You know, he did apologize, but that's my only option.

Okay, and how much time is left on the lease? It ends in April, April 1st. Okay, so about six months. All right. And so have you found any work at all? Well, I think within the past week i have applied to about 100 places but i haven't received any calls back so just waiting on that yeah filling out applications doesn't get you a job okay that's not going to work um all right so we have one of our ramsey personalities is a guy named Ken Coleman, and Ken specializes in helping people not only get jobs but get jobs that they love.

His number one best-selling book is The Proximity Principle, and it talks about the proven strategy that will lead you to the career you love. And also, I'm going to send you a copy of this book as a gift, okay, because what you need is income. Income is your problem. And so when you hang up, I want you to do two things. One is I want you to call three pizza places, and I want you to be delivering pizza by nightfall. Okay.

Someone will hire you on the spot. You have a car, right? Yeah. Okay. Because you're scared, aren't you? Yeah, maybe. Maybe? I would be.

You have no money coming in, right? Yeah, none at all. Do you have any money? About $500. Yeah. I would be scared. What are you going to do when that money's's gone i'm not trying to scare you i just i'm trying to you know if i'm in your shoes i'm trying to think how i would feel and uh so yeah i'd be delivering pizzas uh cleaning houses walking

dogs driving uber by the end of the day to get something coming in get me you know a couple thousand bucks a month coming in to at least be able to eat and maybe start to scratch up the $2,000 to get out of this lease and decide what you're going to do. Where is your family? They live in New York. Okay. Is that where you moved from to take this job? No, I just moved from three hours away.

Okay. So you were already in Florida? Yeah. Okay. All right. I'm going to send you Okay. So you're already in Florida? Yeah. Okay. All right. I'm going to send you a copy of the proximity principle. The first thing I want you to do is get on the phone and talk to pizza places, maid services, Uber, whatever you got to do,

and let's get some money coming in this week right now, ready, set, go. The second thing I want you to do is I want you to go to KenColeman.com, TheKenColemanShow.com, and I want you to download his two PDFs. They're completely free, and you need free stuff right now. And they talk about how to get an application, how to get connection, and how to fix your resume and how to nail the interview because the way you're doing these applications is not going to work. So you hold on, and I'll have Kelly pick up.

We'll send you a copy of the proximity principle. Let's get you some income coming in, and that's going to solve a whole bunch of your problems. Wow, what a scary situation. That puts us out of the Dave Ramsey Show and 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. Hey, it's Blake Thompson, Senior Executive Producer for the show.

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