The Ramsey Show - App - DAVE RANT: Fear Doesn't Give You Permission to Misbehave (Hour 1)

Episode Date: March 23, 2020

Dr. John Delony, Home Buying Tools to get you started:  Debt Calculator: http://bit.ly/2QIoSPV Insurance Coverage Checkup: http://bit.ly/2BrqEuo Complete Guide to Budgeting: http://bit.ly/2QEyonc Interview Guide: http://bit.ly/2BuGnZE Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 

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 right now, wow, that would definitely take the place of the BMW. Oh, man. As the status symbol of choice. I'm Dave Ramsey, your host, sitting here with newly minted Ramsey personality, Dr. John Deloney. Dr. Deloney is a Ph.D. in counseling, and I thought he'd be handy today because a bunch of people need counseling. He's done a lot of crisis coaching and a lot of crisis counseling. We're going to take calls from you this hour with your financial questions or if you're just struggling with fear or anxiety or your family is or how to talk to your kids or how to work

with your spouse on this. So we've got the full thing here for you. We understand that there's a lot of fear out there. We understand that there's a lot of trepidation about your money out there. So I think we got the one-two punch here to help you out. Dr. John Deloney will be with us. The phone number, if you want to jump in and talk about these things, are 888-825-5225. And Zach, open up some lines for Dr. Deloney as well, please.

888-825-5225, because our listeners didn't all know that he would be here. So if you're out there, you're in. If you're not out there, you wouldn't be listening to this. But since you're out there, you're in one of two or three camps, I suspect. Most people have some level of fear, if we want to downgrade it all the way into concern. I have concerns. I don't have a lot of fears, but I have some concerns right now. And some of you have fears and concerns about coronavirus. And you're worried

about your health. You're worried about the health of the nation. If you have a medical issue that you're recovering from, a member of your family that is, or you're elderly and susceptible in the high-risk group, that is a valid concern now. Just like the flu is a valid concern for you. It could take you out. And so the virus could be fatal in that situation. We all know that now. We've all talked about that. And so the virus could be fatal in that situation. We all know that now. We've all talked about that. And we all know that the vast majority of the deaths, almost all of them, have been in those categories. And so almost all of the folks that were healthy previous to getting the virus have had full recoveries.

We know that now. And so those just some facts. But people are pretty freaked out about the virus and the pandemic, and the World Health Organization has now footing in our psychology that it never had before. The CDC has footing and credibility in our minds that it never had before, superseding that of governments even, in some of your minds. And people have gone a little crazy. Some of you are more afraid now of the cure. This everyone stays at home and does nothing, so the economy completely implodes for 1, 2, 3, 4, 5, 6, 7, 8 weeks.

How many weeks of that can this economic system that we've built endure? How many weeks of that can your family endure? How many weeks of that can your small business endure? And so you're afraid. So let me first just tell you as Uncle Dave or Papa Dave or whatever you want to call it, I'm going to be a little parental. I'm off on that, so if you're not used to that, get over it. When people are afraid, some of you are misbehaving. You're being mean to other people, and you need to stop that. You're being mean to other family members inside your family because your fear is out of control and you need to calm your butt down and behave

some of you are misbehaving a friend of mine was in walgreens and stepped across some blue mythical line in there that had something to do with social distancing and some twerp and skinny jeans yelled at her stop that you're misbehaving your fear is causing you to misbehave calm down my friend john maxwell often says that hurting people hurt people. And so you're scared, and out of your fear, you're doing harm to other people, and you need to stop it. You need to be kind. The number of mean, nasty, threatening, horrible things that have been said about me in the past seven days is off the scale. Well, I can handle it, but it just reveals you.

It doesn't reveal me. My character didn't change a week ago. My character's always been exactly what my character is. I've never been greedy, capitalistic, horrible, put people in harm's way for a dollar. I've never done that in 30 years, and there's no evidence to that fact, and yet I've been accused of all of those things, because some of you are just meaner than crud, because you're scared. When I was growing up, I had a little dog that was a Boston Terrier. I love those little bulldogs named Mugsy, and I was a little guy. I was about seven years old. Mugsy

ran in front of a golf ball as my neighbor was swinging, practicing driving in the backyard, hit Mugsy in the head, knocked her out. When she came back around, she was in shock. And he brought her up and put her in the front yard, and the dog was trying to bite everything because it was in shock. Well, I in my naivete thought I could just run over, and little Mugsy, who slept in my bed every night, and little Davey would be best buddies and that dog was getting ready to tear my arm off and my dad or one of the neighborhood men grabbed

me and pulled me back before and they threw a blanket over that dog and took it to the vet and it never again liked golf balls after it came back around. But that's when I first learned that even things that you love when they're afraid and wounded will hurt you. You need to stop being one of those. Everybody start being a little nicer. Find someone you can leave an extra big tip with. Find someone you can just smile at. They're afraid, some of them. And they're more afraid, some of them, than they've

ever been in their adult lives because they've never really faced a crisis before. Some of these youngsters have never faced a real hard time. For them, the hard time was that the battery on their cell phone was running low. And they need your mercy and your love, and you need to be kind. I don't care what you do to me. I'm going to be kind to you. I'm going to love every one of you. I'm going to give you a big old hug. And I'm going to help you. And I'm going to block you on Twitter if you're a moron. So this is what we're going to do for the next couple hours.

John, you ready? I love every second of it. Yeah. So we'll take some calls, those of you that have questions about fear and anxiety. But I think some kindness is in order. I think some people need to start being nice. Top order, top of the line, everywhere. Just be kind.

Yeah. Just stop. Just stop. Just be kind. It's not our nature to do that when we're in trouble. That's right. Our nature is to lash out. That's right.

And some of these people are showing that they have the emotional maturity of a four-year-old. And they're functioning at that level. And the things you say on Twitter, the things you say on Instagram, the things you say to your own family, you ought to be ashamed of yourself. You ought to be ashamed of yourself. You need to be nice. Start right now. Be kind.

Spread kindness. Everywhere. Everywhere. I'm hugs. Listen, you want social distancing? You better stay away from me because I'm going to hug you. Spread kindness. Everywhere. Everywhere. Hugs. Listen, you want social distancing? You better stay away from me because I'm going to hug you. Come here, John. This is the Dave Ramsey Show. Are high health care costs getting you down?

Are you confused trying to navigate your options? Do you wish you could find an affordable affordable biblical solution to your health care costs? Based on New Testament principles, Christian Health Care Ministries, or CHM, helps Christian families, churches, and ministries join together as the body of Christ to share their major health care costs. Christian Health Care Ministries is the original health cost-sharing ministry, a Better Business Bureau-accred organization, CHM members share to pay each other's medical bills. It's not insurance. It's Christians financially and spiritually supporting each other. It's what Christian Healthcare Ministries has done for over 35 years, and our members have shared over $2.5 billion in medical bills. To learn more, visit chministries.org.

That's chministries.org. Christian Healthcare Ministries is a proud sponsor of Dave Ramsey Live Events. chministries.org. Welcome to the Dave Ramsey Show. Ramsey Personality, Dr. D, Dr. John Deloney, PhD in Counseling, for those of you that have not yet been introduced to him. We're talking a lot today about anxiety, about fear, and taking your financial questions, your questions about how to deal with some of those things, maybe where people are mean to you, they're inappropriate to you. How do you react?

How do you set boundaries in those situations? And Dr. D will be with us answering your questions. So what are some of the things that people can do? Because, like, our team went home last week, so there's nobody in our building right now except a handful of a skeleton crew to get this uh radio show going uh in case people didn't know we got about a thousand people in the building doing all kinds of other things have nothing to do with radio and they're all working from home uh this week and next week um and um what kind of things people can do in those situations too because that break-in routine

can add to fear, can't it? It can wipe you out, right? There's this part of our brain that is so, I guess, tricked to believe that familiarity is safety, right? So anytime you get plugged into something and it's new, every alarm system goes off, right? So it's just about setting a new routine, setting new, mapping out your day.

If you're married, if you've got kids, if you're by yourself, set a plan. Set a plan for the day. So, like, if you have almost a daily agenda and you follow that, even though it's new, because it was a plan, it lowers stress. That's right. And it'll take a couple of days. Expect your kids to push on you and find out how strong those boundaries are. Expect your coworkers and your significant others to lean on you a little bit

to see how firm that boundary is going to be. But absolutely, set up a plan, and over a couple of days, yeah, it'll just become your new normal, right? Yeah, homeschooling is now a way of life for a lot of people. It is. I love the post I saw this week. The lady said, homeschooling, we just started it. It's going well so far. Two of the students have been expelled for fighting, and the teacher got fired for drinking.

Yeah, the teacher got fired for drinking. Yeah, the teacher got fired for drinking. So it's just bad. But, yeah, I mean, a lot of people are experiencing some new stuff during this two weeks. They're also experiencing job loss. That's right. If you're in the hospitality world anywhere, you're probably at home. That's right. Airline, restaurants, for sure, lots of hotels. You're at home, and you don't even know if you're going

back in a lot of cases that's scary and that can be really really scary how do you manage through the stress of I can talk about how to handle the money through the unemployment side but how do you manage through the stress of that I think there's a couple things you can do I think the first thing is to not curl up in a ball right because that's that's some of our default position. And like you said earlier, either curl up in a ball or don't start being angry at people. I think the most important thing, number one, is to get connected to folks and make sure that when you're staying at home that you're still FaceTiming with people you haven't talked to, still calling people you haven't talked to. Showing gratitude to folks, whether it's to yourself or whether it's to your neighbors are important, to health care workers, delivery drivers, and then honoring your body,

making sure you are sleeping and exercising and not just in the media sphere, right, not just scrolling all day every day. If you're scrolling through a bag of chocolate chip cookies and through every possible negative media account, by the end of the day, you are going to be miserable. You are just spinning that anxiety spin cycle faster and faster and faster. That's right. The crazy cycle is going on high speed.

That's right. That's right. Yeah, and you're going to make yourself nuts. That's right. Get outside and just go walk. Yeah. That's right. Get outside and go walk.

Yeah. And there are places that are hiring, and it may not be the great jobs. It may not be perfect jobs. It may be tied over jobs, right? And sometimes just doing something is better than nothing. Almost always. It does relieve. There's some sense of I have control of my destiny.

That's right. Even though we never have 100% control of our destiny, we do control the controllables, and you need to control those things. And so I saw George Campbell, one of our guys, post that these people are hiring right now. Aldi, Amazon posted. I saw a letter from their CEO. They're hiring 100,000 people. Amazon's going bananas.

Costco, Dollar General, Dollar Tree, Domino's, Instacart, Jet's Pizza, Kroger, Microsoft, Pepsi, Postmates, Publix, Slack, Target, Trader Joe's, UPS, Uber Eats, Walmart, Whole Foods, Zoom. They're all hiring. That's right.

And so if you were waiting tables two weeks ago, you may be working there. And who knows? You might even accidentally find a new career. That's right. I guess that's a Ken Coleman show. That's right. And something as simple as my son and I were going for a walk the other day, and we just got a trash sack and some little rubber gloves we had from hunting season,

and we just picked up trash in the neighborhood. I can't tell you, Dave, how many people stopped us and just said, thank you. Hey, can we join you? Hey, we're going to go home. It was just a matter of doing something. We got to walk. We got some sunshine, and we got some together time, me and him. We stayed appropriately distant from everybody, but then we also got to help the neighborhood too. Something small and something little, but I got to feel like I wasn't just trapped in my house unable to do anything right well it's it's

hard to have a pity party if you're helping someone else every time every time hard it's hard because the pity parties are fairly low attended you see a party of one that's right that's right so i mean if you find an elderly person and you can uh that's locked in and you can find out they need they're shut in i mean they're they need to stay in because they're high risk. You may make a grocery store run for them. My buddy Kevin texted this morning and he said, this is a great opportunity for millennials. They've got a bad rap.

Instead of making TikTok workout videos, they could call the local Meals on Wheels and see how they can get involved there or find other charitable organizations that are usually rounded out by older folks in our communities who are now having to stay inside. Man, what a cool moment to rise to the occasion and go help your communities. Stop making Instagram photos, man. Let's get out there. Yeah. Well, I mean, you know, there's – careful because you have Instagram and so do I.

That's right. But, yeah, it's not time for selfies. There you go. This is time for otheries or whatever you call that, right? We'll start a whole new phrase here. But there is something that does happen in the brain chemistry when you're giving rather than brooding. That's right. That helps you get through the anxiety.

And we get to choose which thoughts we ruminate on, right? Or which ones that we're going to worship. And so when that negative thought, that fear thought comes in, you have a choice. And that is, you're right. I'm going to Google it. I'm going to go down the rabbit hole of anxiety. I'm going to go in the rabbit hole of pessimism. Or we can say, not today. I'm going for a walk. I'm going to grab my kid and we're going to head outside. Or I'm going to go, I'm going to tell my wife, great job. Well, what happens is inevitably there's a real problem. I mean, you've got to pay the light bill. That's exactly right. And you've got no money.

You've got to put food on the table, and you've got no job. That's right. There's a real problem. But what inevitably I do, and I think it's human nature, is that we project that problem to its possible worst scenario a month and a half from now. That's right and you can project in your mind the nation's economy or the nation's uh carnivore carnivorous curve right the curve god help me with the curve but um you know but you can project the worry um and it just becomes debilitating stress

when you project it out in the future that's. And there's plenty of people who are trying to sell that to us as well, right? It's like a full-time job. That's right. Well, and, you know, in some cases, they're just afraid. That's right. They're friends and family, and they're saying, if you don't do this, all of society is going to die. We're kind of irresponsible. This is where people are getting mean.

Right. Because they're afraid. Right. And it's scary from a macro perspective what a politician, a person in government, even the news media can pull off if you can get enough people afraid at the same time. Isn't it wild? This is how dictators come to power is in situations where people become sheep because of fear. Because of fear, that's right.

They huddle in the corner and do everything they're told. And so I'm afraid I'm a little bit more of a rebel than that, so I'm a little bit harder to mandate my thinking. But you have to back up and put critical thinking skills and go, okay, is the cure the problem has it reached the point that the cure is worse than the virus has it reached the point that the permanent damage to families futures has superseded their health and for me i tend to go macro like you say i, I tend to get two years,

five years down the road and think of all these what ifs. And what I have to always do is draw myself back and say, I actually don't know the answer. And I can't control it. That's right. All I can control is what I can control, which is me right now. And I have to be concerned about the families that work on my team. That's right. And are they going to be able to pay their bills because I acted responsibly and kept this place running? Or versus, am I putting their health at risk? That's exactly right. And that's a leader's position, that I have to make those decisions.

And, you know, in a family, you have to do the same thing. And as an individual, you have to do the same thing. But no one makes good decisions when they're panicked or drunk. Art Laffer says, my favorite quote of the year, and I'm going to use it a lot he sent me an email last night a matter of fact quoting it again so dr john deloney with us this hour half hour next hour as we talk about money and uh we talk about what's going on out there and your feelings about it i got a coach got a counselor right here beside me 888-825-5225. This is the Dave Ramsey Show, a special edition. America's facing some scary times economically, some scary times from a health perspective.

Dr. John Deloney is joining me today, Ramsey personality newly minted, PhD in counseling, which means he can help you with the fears that you've got, the anxiety, and he's also got a lot of common sense, which is why he's part of our team. So we're here to help you guys and certainly answer your financial questions as well. The phone number is 888-825-5225. Jamie is in Michigan. Hi, Jamie.

What's up oh man i'm so happy to still be available for listening to you and getting your advice and help through this tough time what a blessing you are well thank you darling how can we help today i'm gonna try to keep it together i'm sorry i'm emotional that That's okay. You're good. Thank you. I've been a long-time anxiety sufferer. I'm also pregnant with my third baby. Well, that might make it big time. That's right. For sure. I've been a stay-at-home mom for a few years. My husband works. We're blessed enough that he is able to support us.

But that kind of leads me to my fear and anxiety currently. He's part of the essential supply chain, just doing what he does. He's a salesman. And I'm also immunocompromised just by my own health condition of being pregnant we've been following you since july last year and we've been listening to the videos on youtube and i know that we've been having to put a hold on baby step two once we found out we were pregnant and um you know just piling up cash so we kind of were blessed where we were able to kind of foresee this coming and i told my husband you know go out and buy these things because i know people are going to freak out we're not

hoarders by any means i'm just a planner there's a fine line right there's a fine line how much toilet paper have you got really jamie right well you know a person is smart but people can people can be pretty stupid i'm kidding i'm kidding i'm just i'm messing with you how can we best help you i'm just so full of fear just because he's got to go out and i'm just worried every day is this the day the day of what is going to come into the house oh i see okay and also like financially it's kind of like we're just every every day is a, are you going to be considered a part of the vital force? And, I mean, he's just a wine salesman. How essential is that?

Did you say a wine salesman? Correct. He sells wine and is able to support our family. I can think of no more important job on planet Earth right now than a wine salesman. So that's outstanding, Jamie. Hey, so let me talk to you. So, Jamie, this is John Deloney, and I'm not as handsome as Dave here. Oh, brother.

Can I ask you, what's the name of this third baby going to be? Ferris. Ferris? Correct, yeah. When's Ferris due? June. So despite all the anxiety, all the fear, can we do one thing together? Can you tell me one thing you were super excited about getting to meet Ferris?

Well, I'm excited for them to be healthy. There you go. Ferris is going to be healthy. Ferris is going to be born healthy. And I want you to continue to celebrate the gift and beautiful, beautiful addition to your family that Ferris is going to be.

I grew up in the home of a responder. My dad was a cop and a SWAT team guy. My wife has grown up in that home. And so I know exactly, I've lived in that home, that fear of is today going to be the day, right? Is today going to be the day? And a wine salesman is probably not going to get shot or wine salesman is probably not gonna be directly in contact with some of these things, but I do understand sitting at home and wondering is today going to be the

day. And so what I want to encourage you to do as much as possible is to give yourself a routine to take care of the other two kids that are probably um are you homeschooling now suddenly are you homeschool mom too now yeah i've got a third grader home and a toddler so congratulations there you go so i'm going to strongly recommend you make a plan and routine that you honor your body and that you exercise, that you eat as healthy as you can. Do the things that you can control. And when those thoughts of what if he gets laid off, what if he brings this home, take the precautions that the CDC is putting out there,

take the precautions that your local government are putting out there. But most importantly, don't dwell on the fear. What's your OB saying about coronavirus with pregnancy? They like to defer to the CDC guidelines on everything. That's what everybody's doing, right? They're just passing the buck around. CDC owns our soul now. That's right.

So your own doctor won't give you guidelines? That's ridiculous. Okay. Yeah, they're kind of deferring. You know, my GP wants to defer to my OB who wants to defer to the CDC. So I'm in a game of acronyms. That's right. You can make some alphabet soup while you're at home, yeah.

And I've got folks, I've got friends in my community, Jamie, that are taking their clothes off on the back porch, however bad that is for the neighbors to have to see, and they're washing their clothes before they come in, and others that are just choosing to not hug and kiss their kids until they go to get a shower. So everybody's handling it differently. I'd recommend, again, I'm sorry that your local doctor isn't giving you more guidance on this, but the most important thing is you can't live, you can't make the air in your home that you're going to breathe this one of fear and might happen, negative reactions, right? Really lean into the positive.

You've got a baby on the way. It's going to be another beautiful addition to your home. Your husband has a job. Yeah, he's employed. He's employed today, and no one's got the virus today. These are facts. That's right. This is real

that's what's real right and um you know it's hard to concentrate on that and let me just tell you there's nothing wrong with you uh in your third trimester with your third kid with a single income in the household having anxiety that would make you like a normal human being that's exactly right most people would have anxiety in this situation and so that's okay that you have some. All we're doing is walking through with Dr. D here how to manage that and say, I'm going to control what I can control. The rest is in God's hands. And not in an irresponsible way or a crazy way or I'm not going to jump off a cliff and it's in God's hands if I can fly. That's not what we're saying.

But there are saying you do what you can do and you've done all you can do that's right and jamie also mentioned um she's been struggling with anxiety for years and if she does have a mental health provider um i was notified last night that there's multiple states are opening up um tele mental health services so get with your local therapists that you've been with in the past and take care of yourself. Jeffy's with us in Arkansas. Hi, Jeffy, your question on the Dave Ramsey Show. Yes. I was going to ask you, I am about to purchase a house, like, you know, three weeks. Actually, it's going to be April the 13th.

Okay. And everything's going well. I mean, like, it seems like the place that I work at, I mean, it's like a strong place to work. But I was just a little, I am a little concerned about this coronavirus thing. And I'm assuming that I'm not the only one purchasing a house in the next month or so. And I'm concerned about, you know, going to purchase. Yeah, if you haven't lost your job and your personal life has not changed, I personally would close on the house if I were you.

If you have reason, actual facts in your life that you look over and you go, okay, they laid off half the people at my job yesterday, and they say they're laying off the other half tomorrow, those are facts. Vague general worries coming from the outside culture in yesterday and they say they're laying off the other half tomorrow those are facts vague general worries coming from the outside culture in and how that's going to impact you are not things you can control and so i would act on what is in front of you that you can control and that is reasonable and i would purchase the house you're under contract to do it you said you were going to do it i would follow through on my promise.

Of course we tell you not to buy a home unless you're debt-free. Of course we tell you not to buy a home unless you have your emergency fund of three to six months plus expenses, plus your down payment. We tell you not to buy a home, but that's what we've told you for 30 years. That didn't change in the last six weeks. So as long as you're doing it that way, you're going to have an emergency fund, your job's stable. I would close. Dr. John Deloney and Dave Ramsey answering your questions about your life right now.

This is The Dave Ramsey Show. It's a high-stress time. Dr. John Deloney joining me, Ramsey Personality, answering your questions about stress, anxiety, and anything else you're facing out there. We're both here reminding you, hey, it's not unusual. As a matter of fact, it's a fairly human exercise to have some level of concern to anxiety, to stress, whatever name we want to put on it, how severe it is in these uncertain economic times, and depending on what your actual exposure is to the coronavirus, what your actual outcome would be with the coronavirus, that's normal. What's not normal is when you hype it up and you make either one of these things, either the cure, the economic downturn, which is the cure,

which may be worse than the disease by the time we're through, probably already is worse than the disease by the time we're through, probably already is worse than the disease. But either way, we're facing the results of the cure and the virus. If you're facing that and you've got questions about your money and about your life, John and I are here with you telling you to remain calm, be kind to each other. Again, like I said in the opener, some of you are just being mean to each other. Mean to your own family members, and you just ought to be ashamed of yourself. You're just misbehaving.

It's all out of your fear, but your fear is making you mean, and you need to stop. You need to breathe a little bit. If you can't be nice to people because you're completely out of control just stay at home right the rest of your life just don't come out we don't need you out here i mean that you're just the some of the ridiculous things i'm hearing that are happening to people and the way people are treating each other because it violates your idea of what the standards are based on your fearful perception is just asinine. It's just sad. I'm going to love all of you.

Some of you, I'll block you on Twitter even if I love you because you're nuts, because I don't want to put up with your garbage and your mouth and your filth and all this stuff. I'm not going to have that toxicity in my life. But the bottom line is that I'm not doing anything out of selfish ambition. I'm really not. I'm down here doing this show today. I'm down here all week. I'll be here all next week.

Ramsey personalities are all going to be on with me. We're going to keep talking to you and walking you through this. It's what we do. Hannah is next. Hannah is in Virginia. Hi, Hannah. Your question for Dr. D and me today. Hey, Dave and Dr. D. Nice to talk to you. Thank you so much for taking my call.

Sure. What's up? My question is, I just moved 11 hours back home to start a new job and kind of landed with my parents for a couple of weeks to settle in, do some apartment shopping and things like that. So I had done some apartment shopping and found an apartment that I wanted to sign the lease on, but that was in the past week when I got the final approval for the lease. And so I looked at that lease and I thought, all right, with all this coronavirus happening right now, do I want to sign a lease and be locked in for 12 months?

How stable do you perceive the new job to be? It's a large academic institution, so they have talked casually about pay, not pay cuts, they talk casually about budget cuts and things like that, but they've not said anything about layoffs or anything like that, and my role specifically is in online, so I would think of anything that would be stable but you're the professional so i've spent the last 15 years working in colleges and universities and my colleagues across the country are experiencing similar things to what you're saying is some fear and some trepidation some what's going to happen next but also everything's they're going to do this great experiment online for the next few months and see what happens right so right right the good news is you're in the right seat

in higher education as you said so i think the thing is just you know what's the probability that you're going to have a problem in your mind and that's what i project and based on that i i i look at today we're what, what's the reality today? The reality is you have a job with an institution, a university, which is a fairly stable job. Then what's the probability that's going to continue? And the lower that probability is, the more I'm going to want to stay a little longer at mom and dad's and push this lease off a month or two. How is mom and dad's house? Right.

It's great. They're awesome people. I just had, you know, my independence for a while. And I know that's not something that I necessarily want to throw money away on, but it's more of a, all right, I'd like my own space. I'd like to have my own rhythm and routine. Um, but overall it's, it's a, it's a good dynamic. So it's not, it's not, it's not throwing your money away to live on your own. That's just called growing up. Um, yeah, that's fine. I think you're doing fine there. You know, it, it does, if you're It's not throwing your money away to live on your own. That's just called growing up. Yeah, that's fine.

I think you're doing fine there. You know, if you're not in a toxic environment, it doesn't cost you anything to delay the decision one month. Right. Because I think we're going to see a lot of things change two weeks from today. There's a lot of indicators that a lot of the closures and the other stuff the government's mandating uh and the quote statistics on the curve and unquote and all of that kind of a thing are uh the two weeks is a big marker two weeks from today if they if we continue to shut down the entire economy much longer than two weeks every week after that's going to start to get really be more and more irreparable damage.

So I'm really thinking that the president and the governors and so forth are not going to let the hysteria over this destroy our entire way of life by continuing to shut down people's lives and production. Because if they do, it's you know again the cure is what kills you and uh so you know if i'm in your shoes i'm just i'm just postulating here but if i'm in your shoes i don't see any harm in parking it for one month that's what i would do hannah okay that just kind of feels good because two weeks from now you're going to get a lot new information. I'll bet you that two weeks from now it's going to be a lot sunnier and less clouds, and you're probably going to be more comfortable making that decision.

So just tell them, yeah, I'm probably going to do it, but I'll probably do it the next month, that kind of a thing. As long as that's okay with mom and dad and you're not in a toxic environment. I have no trouble with grown people moving back home as a safety net it's when it becomes a hammock that it's a problem and so i've never heard that it's just you know it's good to have a place to park that's you know if one of my kids um one of mine's building a house and if their house sells before they their other one's ready they might be in my basement for a month. And that's perfectly okay. You need to film that if that happens.

Yeah, that would be like a reality show. But that could happen. And, you know, we've been joking with him about it, giving him a hard time about it. But you better get the timing just right to avoid dad's basement. But, you know, that's okay. There's nothing wrong with that. But, you know, it's not a way of life. I got a big old house that's empty. You can park down there for a month if you need to in order to get the premium price for your house

and take the timing on it when it gets ready to sell same kind of a thing right and so uh only this is that's that's a prosperity question uh this other one is a um a crisis question but they're still the same net result of a quote grown, grown kid being at home. And I'm hearing some neat stories about young people coming home, moving home, and are staying home for a few days, especially with colleges canceling. And they're talking about these game nights they've never had. They're talking about getting to interact with their parents as adults like they've never been able to do. So there's some neat stuff coming out of this as well. Yeah.

So we got stuck in a hotel, Sharon and I did, with some friends, and they shut down all the food service except room service. And so we ended up having this banquet in the room and played cards. There you go. And I hadn't played cards, I don't know when, but people are doing this stuff all the time. And so there's all kinds of good stuff that can come out of this. New grooves put into your brain, new things that you can do. Absolutely. So talk about, you know, Rachel and I have always talked about the antidote for dissatisfaction is gratitude.

It's also an antidote really for generosity and gratitude are an antidote for stress, aren't they? Almost chemically, aren't they? It just, it resets everything. It's hard to, it's hard to get caught up in the negativity. It's hard to get caught up in the sadness and frustration and what's going to happen if you're just being grateful for what you have right now. Yeah, and being generous to others.

Oh, man. And generosity can be money, it can be time, it can be writing a letter. It can be a smile while there's mean people out there. On the way to work today, I saw an Amazon driver, and I made it awkward. I rolled my window down and waved and waved until I could get their attention. They looked at me, and I just gave them a thumbs up and said, thank you. And just to let them know, those are the guys keeping our economy running right now, the Amazon drivers.

Those are the ones going door to door to door to door to door and just going to say thank you, guys. Appreciate you. UPS, FedEx, thank you. And I don't know what he got out of it. I felt better. Nurses, nurses, doctors. The nurses are just. See someone in scrubs, give them a thumbs up.

Give them a thumbs up. Don't high five them. For God's sakes, be nice. Be kind. Be nice. Be kind. Nice. Dr. John Deloney.

We'll be back with more Before You know it of The Dave Ramsey Show. Hey, guys. It's George Campbell, host of The Dave Ramsey Show video channel. This hour is up, but you can find more great content on our YouTube channel. Catch the most watched Dave rants, debt-free screams, and the very popular everyday millionaire seconds. Go to the Dave Ramsey Show YouTube channel and click subscribe.