The Ramsey Show - App - DAVE RANT: Envy Is Evil! (Hour 2)

Episode Date: March 2, 2020

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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. This is your show. Open phones at 888-825-5225. That's 888-825-5225. Starting off this hour is going to be Whitney in Louisiana.

Hi, Whitney. Welcome to the Dave Ramsey Show. Hey, Dave. How are you doing? Better than I deserve. What's up? Well, I found you a few months ago and so january me and my husband we signed up for the financial peace university so we're still working on that

um but we've been you know all in doing cash envelopes and um budgeting which we've never done before i wish i would have found you years ago because things could have been a lot different. But my question is, so my husband has a very good job at a mill right now, very good benefits, but he's willing to get out of debt and willing to build a house. So he really wants to quit his very good job and go work offshore for more money. The job he works at now now he's home every night but of course if he were to go offshore and make you know a hundred a hundred thousand dollars more a year he wouldn't be home every night and we are kind of you know i don't want him to do it but he wants to do it so i wanted to get your advice if it was worth it him not being home every night. Yeah. So what does he make now at the good job? After taxes, he makes about $75,000 a year.

Okay. So he's making about $90,000, $95,000, right? Yeah. Okay. Okay. And so the offshore gig pays around $200,000? Yeah. Okay.

All right. And how much debt do you guys have? We have $46,000 of debt. That's not including our land note, which is $78,000. Okay. And how long have you all been married? We've been married, it'll be five years in September. How many kids you got?

We have two kids, a one-year-old and a three-year-old. Okay. I really appreciate his willingness to sacrifice for the future of the family. I think that's very admirable on his part. And there's not a wrong answer here. The way I answer questions is, what would I do if I woke up in your shoes? If I had been married five years and I had a one-year-old and a three-year-old, I'm going to stay at the current job. Yeah, that's what I'm hoping that we do.

Yeah, that's what I'm going to do. Because the gain is not worth the loss now if he had to work some extra hours and be away a little bit that's different but he's not going to be home but two weekends a month if he's offshore right yeah yeah and that's for a six-month contract or a year contract yeah yeah probably so i mean he'll probably do that you know for the next couple years probably being gone two weeks home two weeks yeah that's how my dad always was and i seen how it was growing up in a home where your dad was never home and i just don't want that for

well the problem is you could do it for a year and it wouldn't hurt to have an extra hundred grand to throw towards your overall program, right? But the problem is when he comes home, he's not got the other job. Yeah. He would lose that position, and it's not going to be sitting there waiting on him, I assume, right? No. Yeah, I mean, he doesn't. The place where he works, once you're gone, you're gone forever.

Yeah, yeah. And so, now, would I pick up up some ot would i pick up a side hustle you bet i do all that i did all that i worked my tail off uh but uh and i had a couple of times i was gone for uh you know a month and a half on a book tour when our kids were little and that kind of a thing but um but you know given choice, which is what you've got, is a choice that's in front of you, I'm going to choose the quality of life and pick up the extra hours and the extra income from other stuff, and it'll slow my program down a little bit,

but I'll have this neat thing called a family as I go. Yeah. Now, that's as I go. Yeah. Now, that's what I personally would do. But, again, there's not a wrong answer. If you call me up and said, I'm okay with it, and when he gets home, he'll find something else. He always does. He always lands on his feet, and he's going to do it for two years, and we can tolerate it, and you were all in, I'm not going to tell you not to do it.

I personally couldn't do it. I'm such a wuss i'm such a homebody i don't you know i've been gone a month in australia and it was staying some of the finest places in the world but i was sure dadgum ready to be in front of my fire in my recliner when i got home you know i mean i'm just that guy i'm not um that stuff only has so much appeal to me being out there now my wife on the, on the other hand, would live out of a suitcase. So thus we end up in Australia for a month. But, you know, that's the thing, right?

So you've just got to balance this out. Now, one of the things I do, too, is I do believe that, you know, your vote, the way you feel about this is a big deal. And I'm kind of depending on it, your opinion, when I'm answering the question here, how you feel about this is a big deal and i'm kind of depending on it your opinion and when i'm answering the question here how you feel about it matters too and so all of that to say it's not a bad thing to go do that if you're both on board uh since you're not both on board i personally wouldn't do it even though i'm big about getting out of debt and I'm big on increasing income. But that sacrifice is, that's a tough sacrifice you're making right there. Esmeralda is with us in California.

Hi, Esmeralda. Welcome to the Dave Ramsey Show. Hey, Dave. Welcome back. Certainly. How can I help? I've been wanting to ask you this question for a while, so hopefully you can answer for me and guide me in the right direction.

So I currently work for the state of California. So I'm on a pension plan for retirement. And I'm not really happy there anymore. I've been there for like nine years. The workload is stressful. Management morale is low. And so I have a job offer for, I'm going to make $95,000 a year. Right now I make about $110,000.

And I was just wondering what you think about pension plans for retirement or should invest more in a 401K? I would rather have a 401K than a pension because you control it okay um and i wouldn't stay in a job i hate for a pension now i don't know why why are you taking why are you taking a pay cut most of the time the job that you do is worth more in the open market than the state will pay well that's the job offer i have the potential to make as much as i want depending on my patient load that i see so the more patients i see in a day the more i. I have the potential to make as much as I want, depending on my patient load that I see. So the more patients I see in a day, the more I could make.

It's up to me. Oh, I see. They're starting me off at $95,000. But you could pretty quickly get back to your old income, right? Oh, yeah, I'm sure. Okay. As long as you've got the upside potential, I don't see any reason whatsoever to stay in the state job. You don't like it there.

You don't like it there. It doesn't have upside potential. The workload and the stress and morale is bad. Why? You know, you can make the same money somewhere else. Go somewhere else. Do it. Free country.

We don't live in Russia. Not yet. This is the Dave Ramsey Show. no matter what time of year it is focusing on your family's financial plan is always a smart move i get questions all the time about where to start and what to do first. One of the most crucial and affordable first steps to take is to protect your family and get term life insurance. I know it's not glamorous, but all the other steps mean a lot less if something happens to you and your family has no financial protection. Getting term life insurance needs to be a top priority. I recommend 10 to 12 times your income and lock in rates for 15 to 20 years.

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That's EVERYDOLLAR. Text it, the word, EVERYDOLLAR. No spaces. EVERYDOLLAR to 33789. Jenny is with us in Texas. Hi, Jenny. Welcome to the Dave Ramsey Show. Hey, Dave.

Thank you for taking our call. Sure. What's up? So my husband and I are trying to figure out what's next for our family. We love moving. We love buying and selling real estate. We're only on our second house, so we're not very experienced or anything. But we have good equity in our house right now. And we're trying to decide. I mentioned just one

time to him, Hey, if we bought a townhouse over in one in Montgomery, a community closed hard, we could be debt free and like pay for this thing with cash, $200,000. And he has not forgotten about it since. And he's like you ruined me that's all i can think about now so we're trying to figure out is that what we should do does that make sense for our family okay so uh if you do that are you going to continue to do flips no probably not and we we haven't really been doing flips i say real estate lightly i've just been our first house was residential we we did a little bit of updating to it nothing crazy but we made good money on it yeah we made so what's your household income 140 before tax and you're how and you're

how old 29 okay and you have you would have a paid for house and be 100 debt free yes and you and you would be happy in that house? And you'd be happy in that place? Well, that's kind of the thing is right now we're in like a 3,000-square-foot house, and a townhome would be like 1,800 and no yard. And we're on more than half an acre. And so we're trying to decide, like, is it going to be worth it to be debt-free and not have a mortgage?

Are we going to be able to look past those inconveniences, if you will, for having less space in a smaller yard? Do you have kids? We have a five-year-old, yes, sir. Okay. Does he play in the yard? Does she play in the yard? Yeah, she does.

I mean, there's some parks in the other neighborhood we're trying to justify. Oh, he would go to a park. Well, there's nothing wrong with either answer it's a matter of which one you want to do either way we've got a long-term plan a five-year plan to get you out of debt right if you stay in the house you're in you're going to pay it down and get it paid off right we would try it would probably be longer than five years why you make 140 what do you owe on it? $270. Well, that wouldn't take five years.

Okay. You don't have any other debt. $70 a year would be two years. $35 a year would be four years. You'd be able to do that. But we have $270 on it. What did I do wrong? I did something wrong.

Okay. No, it's $130 a year. I did do it wrong. So $70 would be, I'm sorry. Okay. You said $270. I got it wrong. Okay. No, it's 130 a year. I did do it wrong. So 70 would be, I'm sorry. Okay. You said 270. I got it wrong. Okay. All right.

I did do the math wrong. I wish it would take two years. That'd be great. That'd be great. No. Okay. So yeah, let's see. So five years would be like 55,000 a year.

Yeah, that's probably a five-year plan. And you're 30 years old, right? Yeah, right. So. Almost. Yeah yeah it's not the other way it just depends on what you want to do i don't yell at people for either thing uh but i would not move into the townhouse and then turn around and move back into debt again if you're going to make that move make it the last one in terms of debt and you say we're going to stay there until, make it the last one in terms of debt. And you say, we're going to stay there until we save up the cash to move up. Exactly. And doing that, we would be able to save even more.

I mean, right now we're putting away like $2,000 and $3,000 a month just in savings. So we have a good savings bill, Chuck. We have like $54,000 in savings. I would get that down to your emergency fund of three to six months of expenses where would you throw that at the house i throw it at the house i want the house paid off we've been sitting here talking about paying off the house and i quit throwing three thousand dollars a month in savings and i'd throw it at that house okay and let's get the house paid off so i mean we know we know you can do forty thousand dollars

a year now, right? Right. Absolutely. Okay. So divide that into 270. What do you get? You're there. You can do it. So it's just a matter of where you guys want to do. Either one's fine with me. At the end of the day, when you're 40 years old, you're going to be sitting in a very nice paid for house in either one of these scenarios. And you're going to be making a lot of money, and you're going to be on your way to being very, very wealthy. So either one of these scenarios take you there. So that's why I'm okay with it. You see what I'm doing? I'm looking at the long term effect of this. You don't make that much headway by moving into debt free this quickly by going into that townhouse. You do have the psychological benefit and the spiritual benefit of the borrower is a slave to the lender, and I don't owe anybody, and believe me, that is a wonderful place to be,

and I want that for everyone listening. But it's up to you how quickly you want to do that and how fast you want to push that through. So either way is okay, but you've got to be committed to stick it out. If you're going to go in there, this is a four-year commitment to live in that townhouse. Your child will be nine before you move, or ten, and you will have saved up the money to move back into a similar home to what you're in now with cash beyond the townhouse is what you would have done. And that's what I would do.

I'd do one of those two things. So, good question. Open phones at 888-825-5225. We're so glad you're with us, America. Miranda is next in Tennessee. Hi, Miranda. Welcome to the Dave Ramsey Show. Hi, Dave.

How are you? Better than I deserve. What's up? Yeah, well, I found your podcast about two weeks ago, and I found out I'm not doing as good as I thought. So essentially, my boyfriend and I are planning to get married in about two years. We've been together for eight years total, and I've worked together since high school to make a good life for ourselves. But it turns out everything we thought was smart was a little

stupid. He has about $55,000 of student loans, and I have about $100,000 that's still growing, and I'm starting to get really scared about the wedding and the life that we want and how far out of reach it's becoming because everyone's recommending a 10- or 30-year loan repayment plan. And I just can't imagine living with this that long. So yours is still, you haven't graduated? No. I'm two years into a four-year doctorate of optometry program. Okay.

Well, that's good because you'll make good money when you get out, as long as you complete it and so forth. Yeah, and he graduated with a computer science degree, and he's been working at FedEx for about a year, and he makes like about $55,000 to $60,000 a year. All right. Tell you what. Hold on. When we come back from this break, we'll talk this through and decide what the best course of action for you is. This is The Dave Ramsey Show. I love talking about companies that know how to do business right. You've heard of Grip6 belts, right? Well, if you haven't, it's the only belt you can get online with no holes, no flap, and no bulk. I'm talking weightless, and the buckles come in really cool designs and are interchangeable. I personally own a number of these belts and they're so comfortable you forget you're wearing

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teaching you to live on less than you make a concept congress can't grasp this is the dave ramsey show we're talking to miranda in tennessee miranda's two years into her optometrist uh degree has two more years to go she and her boyfriend are planning to get married he makes 55 at ups and uh has his degree they've got a pile of debt between the two of them and they're trying to figure out which one goes first, the marriage or the money or the degrees or all this stuff. Is that a fair summary of what you told me so far? Yeah, sounds about right. Okay.

All right. How old are you guys? Well, I'm 23, and he's 24. Okay, cool. So when do you plan to get married? We're planning to get married on our 12-year anniversary, which will be September 9th of 2022. Why are you waiting?

Not enough time. Well, we just don't have any money. Okay. Do you work other than go to school? Do you work or do you just go to school? So I'm in two degrees. I'm also getting my master's in business. So in total, I'm in 28 credit hours.

But I do tutoring as well as some federal work studies. But I make like maybe $100, $150 a month. Nothing. Okay. Yeah. And so do you live at home or you live with him um he moved with me to memphis we're both from ohio originally okay so you the two of you live together in memphis all right um yeah and i realized that you're probably not gonna like

this but he uh is kind of my only source of income here, so I don't have to take out extra loans to live. So, I mean, we really would like to be married so that we can merge everything. Why don't you just go get married? Yeah. I thought about that. I guess it's the dream, like the normal people dream of a big wedding. Normal people don't move to Memphis together when they're 23.

Right. So that's the problem. You've made decisions that have boxed yourself into this. And you've got so many things on your plate, things are falling off your plate. Yeah. That's why you're stressed. And poison keeps plate. Yeah. That's why you're stressed. And poison keeps rising, and I keep, yeah. Originally they said 100,000,

and now I'm probably going to graduate with 150-plus. Whew, man. See, you've got to limit that. That's getting out of control. You're going to get yourself into a mess here. Right. Well, the advice I giveanda on the show here is and it's just it's been an easy way for me to control my ethics and my opinions over the years is if i woke up in your

shoes what would i do well i turned 60 this year so it's not relative okay so instead i would say uh i've got my my youngest child is 28 and married. So if one of my kids or their friends was sitting at my kitchen table that I love dearly and told me this story, what I would tell them to do is get married this weekend. Oh, wow. And have a celebration of some kind when you graduate, when you've got some money. Because you've got too many things on your plate, and you are in a very precarious, very dangerous situation. You have no income. You're progressively going deeper into debt, so you're 100% dependent upon him.

And if you're going to act like you're married, you might as well be married. That's what I would tell somebody that i love right and you do what you want to do but you called me so i'm gonna i'm gonna love you and tell you the truth and what i would do because i think it's going to give you an advantage that the two of you will look at this the the debt that you both have the future that you have differently once you're married but instead you've got like this extra bill laying out there for this ken and barbie wedding that you used to play when you were six the little dolls go down the aisle and you've got that in your head right and uh but you made decisions that did away with that you went 150 000 in debt and you moved in with a guy in memphis

and so you've made decisions that have put you where you are and i'm not mad at you i just wouldn't you know i i think you gave up the fantasy wedding when you didn't do it in this order and uh because you don't have the money and you're not going to have the money for years. You're right. I mean, $55,000 is not going to feed you all and get you guys through all this stuff and fight the debt that you both have and pay for a nice wedding in two years while you go to school. It's just not going to do it. You don't have the money. So you might as well get married, and then let's fight this together.

And so then you roll up your sleeves and you say, all right, we're going to have $200,000 in debt that we've got to fight through. The good news is you should make $100,000, and he probably can get his income up towards there as his career in IT progresses. And if you get up to making a couple of hundred a year after you graduate, you can clean up a couple of hundred fairly quickly. But, you know, something's going to go sideways here, and you're going to have a problem if you don't because you're just vulnerable.

You're in a very dangerous, precarious situation. Now, you do what you want to do, but that's certainly what I would tell you to do. Hey, thanks for calling in. Open phones at 888-825-5225. You jump in. We'll talk about your life and your money. It is a free call. Some say the advice is worth exactly what you pay for it.

If you're married and you fight about money, you're not alone. Money is one of the main issues married couples argue about. I was talking about that a while ago. A recent study shows that the more debt a couple has, the more they argue about money. And couples in healthy marriages are more likely to talk about their money goals. Financial Peace University is the best plan to teach you, your spouse, how to get on the same page and work together. All the data points that we have of millionaires, we find almost no millionaires who become millionaires against their spouse's will, in spite of the princess,

in spite of the immature little boy who buys toys all the time in a man's body. We find almost no one that does that. We find couples who decide together that they are going to hit and achieve goals and that's what financial peace university does it makes you work together on your money so if you want to know more about that just go to dave ramsey.com click on financial peace university or call customer care our customer ramsey concierge team at 888-22-PIECE, 888-227-3223. Anthony's in Texas. Hi, Anthony. Welcome to the Dave Ramsey Show.

How are you doing, sir? Better than I deserve. What's up? Okay, so I'm 25 and my wife is 24. We've been married for three years, and we're expecting our second kid. All right. Yes, sir. So the question is, we have about $60K in debt, $50K student loans, $4K on a car loan,

and the rest are credit cards and medical debt. Last year I made $69K before taxes and um my question is is my car loan um my wife i mean my uh mom co-signed on it and i was trying to see if it would be okay to move that up in the debt snowball because it's affecting her trying to buy a house and it would also help me be able to apply more money towards that after the baby comes yeah i wouldn't i wouldn't do it because it helps you more apply more money it has no mathematical effect that way working the debt snowball in order is what i would recommend you do now if you need to do it to help your mom and you need to get this thing cleared uh you only owe four grand on it right

yes sir yeah if you want to move it up because your mom's in a pinch because you guys did this stupid co-signing deal. Yeah, I would, I might do it for that reason, but it does not make sense to move it unless she needs you to. Okay. Yes, sir. That'd be the only reason I would do it. Hey man, thank you for calling in. Open phones at 888-825-5225. Not to pick on him and his mom, but just because it made me think about it. Never co-sign. Ever. Never get a co-signer.

Ever. It never ends up being fun. Never does someone call me up and go, you know, I co-signed that, and it was just the most wonderful thing. I have never heard that one time. It always ends up bringing stress and problems and questions and messes. Oh, man, oh, man, oh, man. Never co-sign. Never get a co-signer.

This is The Dave Ramsey Show. Thank you. so you know it's fun that at 60 years old i can learn a new saying i was in australia i was talking to some australians and they were asking me about uh rupert murdoch who's australian who started fox news so what do you think about him? I said, what do you all think about him? And they said, well, we have this saying in Australia called Tall Poppy. And I'm like, I had never heard that. And apparently there's a thing going all the way back to Greek mythology that says that in a poppy field, when one of the poppies sticks its head up and gets to be taller than the other poppies, that someone cuts it down.

And so the Australian saying is if someone becomes famous or someone becomes wealthy or someone succeeds, we feel like we have to cut them down. You ever heard of that in America? We don't call it tall poppy, but we do it all the time. Like we teach people, be diligent, save your money, work hard, be excellent at your job, but for God's sakes, don't succeed, because if you succeed, then you're an evil rich person. That's tall poppy syndrome, right?

It's the same thing. And it's one of the most evil sins that are out there. One of the deadly sins, the seven deadly sins is envy. Jealousy is I want what you have. Envy is I don't think I can have it, so I don't want you to have it. You cannot celebrate someone else's success ever when you have envy. That's tall poppy syndrome. Anyone who becomes successful, we relish in the idea that they must be torn down.

We relish in the idea that, oh, if he or she has built wealth, if he or she has become successful and they're chosen, gotten into the spotlight because of their success, then they must be evil and they must be brought down. And we are somewhat gleeful when they crash or when someone can crash them. And so we're always looking for something to be pissed off about when it comes to the successful, the wealthy. And that's immaturity.

It's sin. It's called envy. And it creeps into politics. You know, this whole thing of everybody needs to have the same income, socialism, crap. You know, everybody's not going to have the same income because everybody doesn't work as hard as everybody else. Everybody's not as smart as everybody else. I'm not as smart as people who make more money than me. There are people smarter than me that make less money than me because they don't do anything with their intelligence.

But there are people a lot smarter than me that make a lot more money than me. And I'm not mad about that. I'm going to do what I can do with what I got. I'm not going to be on the cover of GQ magazine. I got a face for radio. So the chances of me making it big as a male model is zero unless they need an Oompa Loompa. Okay. So I'm okay with that. i'm going to work with what i got but if you want to you know if somebody's a beautiful person and they can make money off of that i'm not there's nothing wrong with that things are not equal in

this world and so incomes and wealth are not going to be equal in this world get over yourself you're not due squat you're not entitled to anything little snowflake so i bring that up because i got this this article came across my desk and it's just interesting jeff bezos one of the wealthiest people in the world just bought david geffen's house for 165 million dollars in los angeles The all-time L.A. home purchase record. $165 million house. Can you imagine? Most of us can't. No, I can't imagine.

Did Jeff do something wrong? You could have fed a whole lot of starving people for that. You evil rich person. You're so wasteful. Well, let me tell you how you can check yourself on this kind of thing. And I had to learn to do this because I know a lot of people in my own neighborhood, a lot of people I grew up with, not all of them, but some of them, they just like, you know, they want to have tall poppy syndrome.

They just want to tear down anybody who's rich, anybody who's done well. I don't know Jeff Bezos from Beans. I don't know what kind of character the man has. I'm not defending that at all. I'm defending his right to make a $165 million purchase on a home. Because here's the ratios. That's like the average American family as a ratio of his debt, him spending $165, it's like the typical person listening to me right now buying something for $122.

That's how big a decision this was for him. It wasn't sweat off of his brow. He didn't think about it. He didn't wring his hands and wonder if he could afford it any more than you do when you spend $122 on a night out at a dinner. And some of you spend that at a pizza place, feeding your whole freaking tribe right so hey before you start judging someone else on what they've spent something on do some ratios and it'll keep your it'll keep your spirit straight it'll keep you from falling into the sin of envy which is i don't think I can have what you have, and so I don't want you to have it. Now, I think the probability of Dave Ramsey ever buying a $165 million house is very low because I don't think I will build the level of wealth

in my lifetime that Bezos has built. I don't see it in my future. Maybe I should think bigger. Maybe I ought to have a better vision. Maybe so forth. But I probably won't be able to do that, and I certainly won't be able to do it on the ratios that he did it on. But I'm able to do some really nice things that I never dreamed as a little kid I would get to do, and I get hate mail

for that. Dave Ramsey made all his money on the backs of poor people I don't think so I didn't force anybody to do anything I haven't stolen any money from anybody and yet some of you people get completely twisted up I can't believe you spent that well it's not any of your freaking business to start with but you're falling into that sin of envy and as long as you hate successful people,

it will be very difficult for you to become one. It's very difficult psychologically for you to work very hard to become something you detest. And so teaching our children that wealth is evil, teaching our children that wealthy people are evil inherently because they have money, teaching our children that becoming successful causes you to, that you should be torn down, tall poppy syndrome. It's really bad medicine in America today. Teaching you that you should make money because you breathe air.

That you deserve a universal minimum wage. Horse crap. You don't deserve nothing. The guy in my office one day a few years ago came in and he's got all these degrees. He's been to like six different degrees or whatever. He's got more degrees than a thermometer working for us.

And he's like, Dave, guys that got degrees like me, we make a whole lot more than I make here. And said well you should go get that job he said what do you mean i said well this is a small business man here's the way it works here your raise is effective when you are when you get up leave the cave kill something and drag it home honey i will share it with you or if you want to do it on your own i'll be your biggest cheerleader i don't care either way but this idea that you're you're due money because you have a degree bullcrap you're due money because you breathe air bullcrap you're not doing nothing you're not do squat snowflake buckle up buttercup go get something done then you deserve it leave the cave kill something and drag it home prove you have value in the

marketplace but there's a reason that people don't get paid much at mcdonald's because any idiot can work there it's the bottom of the food chain no pun intended you know i'm not mad at mcdonald's but if you can't flop a Whopper, you really have fairly low skills. Get you some skills, baby. And don't be mad at Jeff Bezos. He spent $122 compared to you. So don't be envious of him and tearing him down. The people ripping on Bezos over this. And again, I'm not defending Jeff Bezos. I don't know him. I have no idea about his personal life or his character. I don't know him. I have no idea about his personal life or his character. I don't know what his business practices are behind the scenes. I know he owns Amazon. I don't know he owns half the world right now. I'm not mad about that either. I didn't invent Amazon. It's not

my money. If I had come up with it, I'd cash the check because it's obviously serving a lot of people. Even if you don't agree with it, you're buying from them all the time, obviously. So you paid for that house because he provided you a service. So stop your tall poppy syndrome. Stop the envy. It's evil. It's evil. Go be productive.

This is the Dave Ramsey Show. Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show. If you would like to do your debt-free scream live on the show, make sure you visit DaveRamsey.com slash show and register. We would love for you to come to Nashville and tell Dave your story.