The Ramsey Show - App - DAVE RANT: If You’re Broke, Quit Eating Out! (Hour 1)

Episode Date: November 30, 2022

Dave Ramsey & George Kamel discuss: Whether or not to wait for student loan forgiveness, Traveling while paying off debt, Another crypto exchange files for bankruptcy, Starting over after a divorce, Why cooking at home is cheaper than eating out (even in 2022). Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

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🎵 🎵 🎵 🎵 🎵 🎵 🎵 🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving, and storage studios, it's the 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. We help people build wealth, do work that they love, has taken the place of the BMW as the status symbol of choice. We help people build wealth, do work that they love, and create actual amazing relationships. George Campbell, Ramsey Personality, host of the Smart Money Happy Hour, co-host with Rachel Cruz, is my co-host today here on the Ramsey Show. Open phones at 888-825-5225. You jump in. We'll talk about your life and your money.

Liz starts off this hour in Charlotte, North Carolina. Hi, Liz. How are you? I'm good, Dave. How are you? Better than I deserve. What's up? Thanks for taking my call.

So I am based in North Carolina, and I make $43,000 a year. I'm on baby step to paying off debt. I just cut up my first credit card, which was a whirlwind, but got through that. And now I have $20,000 in debt and student loans to the government. And I had two questions kind of revolving that one. Should I wait to pay it off for like, wait for it to get forgiven? Or should I start paying it off now? And the second one kind of comes in with that. My dad passed a few years ago and left an inheritance. I have

literally the exact change amount to pay that off. Um, I've been hesitant to do that because I kind of want to feel my own pain of my own stupid decision, but I also don't want to put that money towards my loans. I'd rather do something more important with it. So, yeah, that's my kind of question. Cool. Is that your only debt, $20,000 for student loans? Yes. I thought you said you cut up a credit card.

No debt on it? Yes. Yeah, no, I always paid off my limit, but George Kim will help me figure out. I need to cut it up. I did. Look at that. Who knew, Dave?

That's awesome to hear, Liz. So this is the only debt, and you said the inheritance is to the penny the amount. Now, I don't know what your faith background is. You can call it a coincidence, but that just seems pretty happenstance that the inheritance matches up to your debt. It is. And I, I've, I've thought a lot about it and it just, and my dad was very like very financially. Um, I mean, he came in, he came over from Venezuela and he, um, had a very difficult life providing for himself and the family.

So he was on track, like trying to do, he, he didn't agree with Dave altogether, but I started on the Dave train a little while ago, but, um, he really wanted me to own a home and really wanted me to get like financially, um, supported supporting myself. So I just, I don't know if I'm crazy for using that money or if I'm like I also don't want to not feel the pain of my own decision yeah um um your dad I'm gonna guess was a person of great integrity yes yeah he was and so you paying off a loan that you signed your name to and borrowed, even if it later might be paid off by the government,

is an act of integrity that I think he would be proud of. Yeah, yeah. And I think if you used your inheritance for that i don't think he would call you stupid and neither would i um and i don't think you have to get 30 lashes on your back just to prove that you learned a lesson i i think you've learned your lesson i hope you've learned your lesson are you going to go borrow money again no no no okay if you're through if you're through then you're through right and so you know let's use this and get cleaned up and then build your emergency fund

and then let's start building wealth so that you can leave it uh to your heirs and have the same kind of legacy that your dad had no yeah yeah i i i was at dinner with my family the other night, and I told them this plan of paying it off, and they all looked at me like I was crazy, and they ripped me to shreds. And I said, no, but this is about integrity. So I thank you for your advice. Yeah, yeah.

I just, I think, one of the things I always think about when someone asks me what they should do with an inheritance that they got is always think about the person that left the inheritance and what would make them smile from heaven. And I don't think you paying off your debts now that you've learned your lesson and you living a financially responsible life going forward, regardless of if some half but family member ripped you to shreds or not, you know, you just, You know, I'm just going to pay off a debt that I actually owe and not wait on welfare.

And I got a feeling your dad's smiling about that. And so, and here's the other thing. Five years from today, if you live forward, following the Ramsey process, continuing in the baby steps you're going to have substantial money and five years from today are you going to look back if the debts are forgiven by uh the government later are you going to look back and feel like you did something wrong no you're not so you're not going to have regret long term from having done the right thing even if it even if it has a little

bit of pain to it and even if uh stupid people disagree with you stupid people disagree with you all the time when it comes to money that's why we call them stupid people don't get a vote you're not taking a poll and so you raised the question earlier liz of what if there's more important things i should be doing with this money and i can think of nothing more important than setting yourself free financially from this debt that's been hanging over your neck. And if they forgive if the Biden administration gets it through the courts and next week they come out and forgive it which they're not going to but I personally wouldn't have any regret because I signed up for this trip and I took the trip you know. This decision is taking up too much

mental space when it could be free right now. Too calories brooke is in hattiesburg mississippi hi brooke what's up hey dave hey george how are you guys better than we deserve how can we help so this is a money question but it's mostly an emotional psychological question i think um my husband and i want your advice on whether or not we should go home to visit family for Christmas this year. The backstory for that is that we live here in Mississippi, and both of our families live in the north, and every year it's our routine to stop in Ohio, go to New York, and come back because we're the only ones that live in the South. My husband is getting his PhD in genetics

at USM. I'm super proud of him about that. And we have the only grandchild on both sides of the family. So everyone very much wants to see us. You have a great

bait. Come see us if you want to see the grandchild. Mississippi! It's a Mississippi Christmas. Oh yeah, and she's the sweetest too. I love her. But anyway, so we've been working our baby steps and it has been a bit of an uphill battle with my husband still in his PhD program. And I'm trying as best as I can to be a stay-at-home mom

and still bring in the income that we need to do everything we need to do. But we've paid off probably close to $20,000 in debt. And the last that we have left is about $5,000 left on a credit card. I would choose to spend this Christmas in Mississippi and invite everyone to come see you. And if they don't want to go, that was their choice, and you guys are going to have a great little Christmas. It's just one year.

One year. And they're more than welcome. We'd love to have them. Nobody's mad at anybody. We just can't do it this year. I'm so sorry. You know, by the way, when you go through your life, it changes as to who visits the way when you go through your life it changes as to who visits who with the different phases of your life

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Cyber Monday sale continues all week long at RamseySolutions.com. Remember, price is as low as $5. So, George, they're dropping like flies. Who is? The Bitcoin boys. Oh, my goodness. The Bitcoin bros are, they're just dying like on the vine. I don't know what's happening.

They're like the dinosaurs. We're going to look back. It's almost like they had a bad business model wait you mean you mean like fake money fake money didn't work or something you know i'm gloating a little because i caught so much hell from you bitcoin bros for the last three years or five years on how stupid a boomer i am and how out of touch i am while i'm telling you to stay away from this crap and now another one files bankruptcy just a few minutes ago right oh yeah yeah we had a block block fi block fi crypto lender block fi follows ftx into bankruptcy and follows uh four others that filed this week into bankruptcy and it's because it was a house of cards

zay is dropping like flies man oh man it's not. It's not... I doubt many of our listeners had their money tied up in this kind of crap because they actually listen to this show. So I hope no one out there listening was hurt by this situation because users are going to their accounts and it's zero. And they're not getting their money back in these situations. So it's a scary environment if you did throw a bunch of money into crypto, which millions of people have. You remember the old movie, It's a Wonderful Life? wonderful life oh yeah at a run on the bank yeah you go to get

get your money out and you can't get it out the bank went broke who knew it's a wonderful life it's a modern day tale yeah i wonder if there's any little angels with their bells ringing on this one i'm guessing not i'm guessing there's some devils doing the dance with their pitchforks instead uh you gotta wonder how many more kind of thinking there's not any angels involved in this i could be wrong i mean the guy looks like belushi in animal house so there's no way that he's uh uh actually belushi in animal house as stoned as he was looks better than this guy. Wow. That's what happens when you don't get out of the basement often enough for fresh hair and a haircut.

Oh, man. This is a house of cards, Dave, truthfully. I mean, the whole thing is just crumbling because they were all intertwined with each other. And it turns out it was only worth what people were willing to pay for it based on hype instead of based on actual you know revenues and profits which is what the s&p 500 is based off of well and to recoup i mean we're gloating and carrying on and poking fun at you people but we gave you great intellectual and academic detail on why this was going to happen i just truthfully did not think it would happen at this scale this soon even that caught me by surprise i figured it was gonna you know it would unravel there'd be a few things drop here or there and eventually the thing would stabilize and you know over a period of a decade begin to get some

actual credibility i thought it would probably work its way through i don't know if the whole thing makes it it may it may just completely cave in i mean the domino effect on this is because the i mean well because here's the thing rabbi this is an interesting lesson for everybody not just bitcoin but about everything rabbi lappen talks about this book our good friend he's an orthodox jewish rabbi best-selling book called thou shall prosper in the book he looks at money for through the Jewish lens, and he explains to us properly that money is not about math. Money is about trust. Money is spiritual. And so that's why all kinds of weird things have been used as a medium of exchange throughout history,

whether it be a gold bar, wampum that we trade long island for furs in the old west pioneer days you know two beaver pelts why would you take a skinned beaver pelt as payment for something because you, you believe that other people will exchange that for some biscuit dough and some hardtack, right? And so you know that, you know, you can use anything as a medium of exchange if you trust that it can be used to exchange goods. In the Old Testament, one of the things that was used was oil. Oil was used to keep the Holy of Holies, the lamps burning in the temple in the one of the things that was used was oil oil was used to keep the holy of holies the lamps burning in the temple in the holy of holies and oil was a symbol of god's spirit was used to anoint kings you see the prophets pouring oil over the top of the head of king david or king

saul anointing them king uh and and oil because it was prized, then you could literally go into the marketplace in those days with a carafe of oil and do an exchange. And so when the Bible says in the house of the wise are stores of choice food and oil, it's an indication of wealth. Choice food and oil were indications of wealth because it was used for a medium of exchange. You can use, I don't know, textiles.

You could use anything that's another person would accept and so it's about trust it's a spiritual thing money is spiritual and all money is spiritual uh the dollar bill is no exception it's not magical the only reason the dollar bill is um more is more believable has more credibility is because it's more widely accepted and has a longer track record that's all yeah and uh you know backed by the government and so that that's where the regulation comes in versus uh yeah but you have to believe that that matters we all are in agreement that this dollar is worth something i just i'm really the backing of the government doesn't even impress me anymore it's just the idea that i know that i can take this and go buy a steak with it i can fill up my car with it well i can't i can put a few dollars almost i've put a

little bit of stuff in my car but a little bit of gas in my car but you know what i'm saying it's and crypto never really had that it doesn't have a track record it wasn't volatile it was too volatile it was too narrowly accepted by a very narrow portion of the population and yet everyone attributed to it the same credibility the same spiritual power that say the dollar or even the peso or even the yen has and it's not it was not there yeah it was a nuance within the economy even though it was massive it was was a nuance within the economy. Even though it was massive, it was still a nuance within the world economy. It had not yet proven itself.

No. It was an out-of-control, overgrown baby child. And now it's fallen in. And everybody started treating it like it was a legitimate thing, and they got their heads taken off. We kept telling you, don't do this and the fraudsters and the scammers started to realize we can make a quick buck by entering the space well you know why they entered the space we need that's also spiritual because who was playing in the space were people looking for quick easy money and people are looking for quick easy money are always easy prey to the con artist and the scammer and so you're most easily conned when you're afraid or when you're a greedy and um if you're neither of those it's very hard to con

you yeah you're not and you don't you don't fall for it but get rich quick man if you're in there going i i got i'm cutting edge i'm a i'm a bitcoin bro man, man. I'm the smartest guy on the planet, and I'm on TikTok, and that proves it right there. And I'm all of this crap, and you're setting yourself up. Absolutely. Well, I just hope my next paycheck isn't in beaver pelts. I'm a little worried now, Dave, of what you're trying to get at here. Dave's trying to go back to the old times. Let's see if he'll take some textiles this month.

Oh, man. George, I'm going to leave at the break and go hunting. That would not shock me, honestly. I've never killed a beaver. That's why you bought this property by the woods, Dave, so you can take a quick break. That's it. I can go down there and make a beaver pelt and pay George. That's what we'll do.

Just go down there to the— Next segment, I'm going to be Davy Crockett with this on my head, Dave. It's going to be great. He did not wear a beaver pelt, man. That's what we'll do. Just go down there to the— Next segment, I'm going to be Davy Crockett with this on my head, Dave. It's going to be great. He did not wear a beaver pelt, George. That was a croon skin cap. You are so lame. This is The Ramsey personality is my co-host today. Open phones at 888-825-5225.

Sandy is with us in Cincinnati. Hi, Sandy. Welcome to the Ramsey Show. Hello. Thanks for taking my call. Sure. What's up? So I am excited to get started on the Ramsey plan.

My daughter actually introduced me to it. She's 12. But my concern is that I am in the middle of changing homes a lot. My life is turned upside down. And so I'm getting divorced. How do you start a budget when you don't even know what the bills are going to be? You know, like I'm going to be moving in three months. I just, I'm not sure how to even get started because right now I have joint bank accounts and then it's going to change to be mine. So I'm just curious as to any tips you have about that. Horrible time of year to be going through all that. I'm sorry. Well, it's actually a relief for me at this point so the divorce has been filed as final is what

so it's we're doing it sort of an amicable divorce so the agreement is being written up by the lawyer but it'll basically it should be final in the next two or three months so and we've already worked out most of the details with arbitration. Okay. Then you should be able to close your joint accounts today. Already? You should be able to if you're in agreement on it. Well, I mean, it's like the final back and forth about it

within the next two or three weeks. But, yeah, I would say probably in a month. Yeah. So, do not put any more money into a joint account your attorney should have told you that. Okay well I think my husband is keeping the house that we're in and I'm moving out and I think it was just because that's what we've always been doing and I guess. No but you're not married anymore soon. Okay.

And what we've run into in 30 years of doing what I do is that sometimes people get right to this point, and it suddenly is not amicable, and suddenly he takes all the money out of the account, and now you're really screwed. So you need to be able to manage December, and you don't have any money. I do. I have a separate account. That's

what I'm saying. Okay. So to do. All right. All right. Good. But most of our money is in the joint account. Okay. But we need to bring the cash portion of this agreement to an end as soon as possible and disperse so that you can begin to set up that part. Now, here's the thing. You can do a budget this month. For this month, it'll never be like this again. But for this month, you can say, for December, what are my expenses, and where's my income, and where's my cash going to go? And then for January, I've got to move, or I've got to get a different place, or I've got to add deposits.

It's going to be a different budget, right? Okay. And then February will be a different budget. But it always always is different you never do the same budget every month some of them are more similar than yours are going to be for the next few months you're going to be vastly different every month for a while until it stabilizes but you have to tell your money this month what to do before it leaves because you're in the middle of a hugely volatile crisis situation, and it will give you great peace if you take control of this one area of your life. Okay.

Well, we pay all of our bills, though, from the joint account, and it's, like, automatic. So, like, out of my personal account, I'm not paying any. Okay. So what is your budget for this month okay given that the this weird joint account situation that's in limbo is going to take care of our bills but you still have some things you have to do in december as a newly independent person right okay and you need to write out that budget there's probably not a lot to it, is what you're saying. Right, there's not.

Okay. Yeah. But you need a game plan, all right? And it might be that I'm setting aside a pile of money because in January, after Christmas, I've got to move out and I'm going to need deposits, right? Right. I'm going to actually buy my house in cash. Wow.

Yeah, I have an inheritance, so I'm going to do that. Are you renting in between, or are you jumping right into the home purchase? Jumping right in. Yeah, it's crazy, but I don't want to loan money at a high interest rate, and I've got the money in the inheritance, and I'm buying a reasonable house, you know, like $260,000. How much is in your inheritance? My portion will probably be about $300,000 plus.

You don't have the money yet. Oh, I do. Yeah. You said if you have the money, you should know how much it is. Probably be. Well, because I'm giving some to some other family members. So I have some choice in that. It was all left to me, but I'm going to give some to some other family members. So it's much larger than that. So it's all your portion?

Yeah. And you have that already? Yes. Okay. So it's not probably be, it's up to you. And so how much is your inheritance that is in your account? Well, like $450,000. Okay, cool.

And so, yeah, because that matters. I mean, if you've got $262,000 and you're going to spend $260,000, that's a little less reasonable. Oh, yeah, yeah, yeah. Well, you know, the other thing is that I'm not settling the estate. It's all mine. It's nearly settled until after the divorce. That way there's absolutely no way that he can get it, is what my lawyer told me to do. So, like, we have all the papers ready to go.

So you don't have the $450,000? I do. I mean, I have it. I could settle the estate today if I wanted to. But I'm choosing to wait until after the divorce so that it's cleaner. But it's all in accounts, and there's no one else. I got you. Okay.

Well, the question was about starting the budget, starting this process, and budgeting is a habit. And so it's going to take, you know, on average it takes 90 days to get a hang of this budget, and now is the best time to start when you're in this situation. You need to be paying attention to where every single dollar is going and protect it because this marriage has become a financial transaction, and you need to now stay protected. Yeah, and let's get the things unraveled as quickly as possible um you're not gonna do this but my advice to you would be to not buy a house right now uh you're hell bent on doing this but sandy just in talking to you

you're chasing your tail through the whole conversation i mean one minute it's one thing one thing, one minute it's another thing, one minute it's another thing. You know, you're discombobulated all over the place, and you don't need to be buying a house when your head's in the space it's in right now. And it's normal transaction for us as we tell people. If you go through in the middle of a major crisis where you're grieving something like this, I don't care if it's a relief. It's still a divorce. It's still one of the 10 things that will put you in the hospital it's still high stress high anxiety situation unbelievable levels of emotion and cortisol coursing through your body and it affects your ability to make decisions and just the conversation with you is discombobulated and so i'm just telling you you're my little

sister i would love you and tell you not to buy a house right now just go rent something for six months and let the emotional dust settle. You will make different decisions. And, by the way, don't commit to giving any of this inheritance away for six months. Let the emotional dust settle. There's all kinds of psychology behind you're about to make mistakes here. But you're going to do whatever because I can tell. We're not going to be able

to stop you. But the way you do a budget is you do it for that month with what you have to work with. And then you do it for the next month with what you have to work with. And so you don't have to wait until everything stabilizes to start doing a budget. As a matter of fact, the only way it will stabilize is to do a budget this month and then do a budget next month and then do a budget next month. And then you're stabilizing what you can. Yeah, they're not static. It's, you know, December has Christmas. And so that affects your budget for that month.

And January is going to have its own expenses. And so you've got to be restarting this process. A lot of the line items will stay the same, but it will fluctuate, especially if you have a regular income. Slowing down on large giving decisions to relatives that were not in the will, slowing down on large purchase decisions like a home in the middle of this much upheaval and volatility in your life is not fear. It is not weakness. It is wisdom. So what we are recommending here is wisdom. We're not calling you weak or inept. We're saying you just got T-boned and you're kind of dazed and you're walking around the intersection with little birds flying around your head in a cartoon.

And you need to get where you can sit down on the curb for a minute, let your head clear before you start admitting fault in this accident. That's what the kind of crap we're dealing with here. It's trauma. This is The Ramsey Show. We have now proven in a culture that is completely soft, coddled, raised by helicopter parents, enabled, that you can be offended by almost anything. Because you people are so wussified out there. I never dreamed, George, that you would actually post on Instagram about eating at home is cheaper than eating out and you would piss off half of the nation. How in the world is that controversial? You started trend dave because you've always said i know but how is it how is it that america is so completely wussified that the idea that you should not eat out if

you're broke causes you to be angry and hate george unbelievable in their defense i have a punchable face i understand no but not for that you I have a punchable face. I understand. No, not for that. You might get a punchable face for something else. Here's what happened. This is just pitiful. I did a talk. Dang, George, kick us while we're down. I do enjoy eating out even though I'm poor.

You need to value your own time as if you're a king. It takes time to make your own food. You wussies. You unbelievable little children people unbelievable i love i would watch an entire show of just dave doing impressions of the commenters this is brilliant okay i don't even read comments but they told me they were vicious on your instagram so i pulled them up and i am laughing my butt off at how pitiful you people are commenting on this. You are absolute morons. This is unbelievable.

Here's what happened, Dave. Our social team took a 10-second clip from my talk at our Smart Conference event in Dallas about the cost of eating out. And we're trying to help people find margin in their budgets with inflation. So I'm just telling people, hey, eat at home. Eat at a new place called Mi Casa. I don't know if you want to save some money. So, James, play the clip so that everyone understands why you're the most hated man in America.

Who knew this is how I get canceled? The average cost of a meal right now is $13. Eating at home, $4. So when you eat out, here's the math because I'm a nerd. You spent 325% more. Enjoy. That was the entire clip. And it got 1.7 million views on TikTok,

300,000 views on Instagram, and most of those were like hate watches because they're angry. Now, I will say, Dave, there was one comment that was true. It is 225% more. It's 3.25 times more, but 225% more.

So for the true nerds in the comments, I salute your extra math there but for everyone else they're going what was this the 1990s you can't eat alfred my taco bell cost 16 dollars guys let me just tell you it's a simple freaking formula if you run a restaurant you pay the food cost and you pay rent and you pay insurance and you pay labor to cook the food hypothetically and deliver it to one of you people who have no idea that you can actually cook at home apparently it was shocking to your little systems that you might actually engage in labor in your own freaking kitchen other than your crop unbelievable man my favorite is people saying well dave i save so much time when i go to rent have you been to a restaurant you got to drive there number one

well here's the thing oh and i left out profit yep and tip and tip well these people don't tip clearly clearly oh no this is unbelievable so here's the thing i don't mind you eating at a restaurant george doesn't mind you eating in a restaurant but to say that it is punishment against your little soul that you shouldn't eat at a restaurant when you're freaking broke is so wussified people that's ridiculous and of course it's cheaper to cook at home of course it's cheaper now i don't know if it's 13 versus four dollars or 130 versus 50 bucks but a hundred percent of you that can do any level of math have to know that it is cheaper to make the exact same meal at home than it is at any restaurant.

You are paying for the entertainment value and the convenience of eating out. Those things are called luxuries, wimp. That's right. And regardless of the numbers, like you mentioned, Dave, it's about the ratios. And no matter where you look online and what numbers you pull up, eating out is going to cost 3, 4, 5x what it costs. Sure it does. Now, here's the thing. These people don't understand, Dave.

When I said it's $4 a meal, I'm not saying the meal for the entire family was $4. I'm talking about a serving. It doesn't matter, George. It's a serving. The only reason they want to pick apart your math is because they didn't like your conclusion that their little butt should eat at home when they're poor. You know what it is? No one taught the kids how to cook.

Listen, I've been poor, and you know what we did? We ate at home. We weren't poor. We we were broke poor is a mindset that's right broke is i'm passing through okay but if you're broke you eat at home yeah you eat at home and you eat the same thing again tomorrow night because it's called leftovers oh gross i can't stand leftovers me and sharon ramsey agree that we're big fans of leftovers. Oh, Sharon, God, she won't quit. Wears me out with leftovers to this day because she remembers being broke. This is not going to waste.

And there's stuff in our refrigerator that's 83 years old. I mean, it's God Almighty. And we can afford to eat out, okay? Going to a nice steakhouse tonight. Thank you, Jesus. All right? And I want you to go out to eat. I'm a big fan of restaurants.

I like restaurant people. I like eating out. But it is entertainment and convenience. It is not economics. A necessity for survival. Ever. You never eat out based on economics. Ever.

And it is not an entitlement, you wimp. My time, I'm going to treat myself like a king oh kiss my butt that is the dumbest thing i ever heard in my life treat my let's say you sound like you're four years old i mean what is your your emotional maturity level there's no age limit for instagram dave you could be four kick us while we're down what What kind of crap is that? Kick you while you're down. What we're trying to do is keep you from staying down because you keep making stupid butt decisions. And that's offensive, Dave. It's offensive to be mature. It's offensive to actually have a longer mentality on things.

It's like, God, I keep looking at these. They just make me madder and madder and madder. The hour I spent cooking is sometimes worth the cost difference there we go it is if you can afford it it's no one disputes that the problem is people are saying dave i'm living the beauty of me going out to eat tonight is sharing don't get any leftovers to add to the refrigerator she might there's an added benefit but that's not an economic thing that's dave don't want any more leftovers thing okay that's all that is you know oh thing. They don't want any more leftovers thing, okay? That's all that is.

You know, oh, my God, this can't be current. We've done the math as well. Oh, you idiot. Of course it's current. It depends on which meal set you're looking at and what you actually bought and where you bought. If you're buying organic eggs from a house chicken that was not even a real chicken and you're buying it at whole whole paycheck and whole foods instead of going down the regular grocery store and getting regular cheap eggs you know you could pay 18 for a dadgum thing of eggs or you can pay a whole lot

less for a thing of eggs i mean dozen eggs this is nuts it's insane and so yes where you shop matters we talked about that in the talk at smart conference go shop at aldi and buy it in bulk at costco and you can save big per serving and people are saying you can't get out of there for yes you might spend 200 bucks at costco but hopefully that feeds you for two weeks if you want to rationalize and justify anything you can that's fine but there's no possible thing you come off as except inept and immature when you start saying that, A, eating out is your right. And it's your life. It's in the Constitution. Your life is damaged.

Kick us while we're down. Oh, my God. Yeah, I'll kick you while you're down. Don't go on vacation if you're broke people. Don't do it. I made a woman on the Today Show that I was coaching cry on national television because she went on vacation in the're broke people don't do it i made a woman on the today's show that i was coaching cry on national television because she went on vacation in the middle of me coaching her and i'm like that's the dumbest dadgum thing i've ever heard have you lost your mind i told you not

to do that and she starts crying and i got trashed because i jumped her case about dadgum being stupid here's the next one you're going to get dave dave going on vacation is cheaper than my rent so i'm just going to go on vacation it's cheaper it makes about as much sense as this stupid argument does yeah and it's and by god it's my right you can't just work all the time of course you have to take time off you work all the time when you're broke that's what you do that's how you not be broke anymore my grandmother used to say there's a great place to go when you're broke to work you work that's how you fix them that's how you fix the broke problem money comes from work you work that's what you do is it a way of life throughout your whole life no

but you little wussy you go to work that's how you fix this you don't go out to eat and you don't go on vacation. You're broke. It's not a human right. Good God, we're spoiled rotten. Y'all are going to make Dave jump into my comment section. This is a dangerous time to be alive. I am not joining. Listen, comments are proof.

You entertain a clown and join the circus. If you read comments on anything, you know why some species kill their young. I mean, it's unbelievable. Wow. This is The Ramsey Show. Dave here. You can find all of our shows with the Ramsey Network app on your smartphone. It's the only place to listen to the entire back catalog of episodes. Download the Ramsey Network app in your favorite app store today.