The Ramsey Show - App - DAVE RANT: It’s Time To Change Something! (Hour 2)

Episode Date: December 20, 2022

Dave Ramsey & Kristina Ellis discuss: Getting a spouse on board, Pre-paying for college vs. a 529 Plan, Knowing when you can afford to retire. 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

Live from the headquarters of Ramsey Solutions, broadcasting from the pods of 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, and create actual amazing relationships. Christina Ellis, number one best-selling author,

Ramsey Personality is my co-host today. As we answer your questions about your life and your money, open phones at 888-825-5225. Merry Christmas, America. We're glad you're with us. Emily is here in Springfield, Missouri. Hi, Emily. Welcome to the Ramsey Show.

Hi. Thank you so much for taking my call. Sure. What's up? Okay, so for a little bit of context, I am almost 21. My husband's almost 23. He works full-time, and I am a stay-at-home mom to a six-month-old. We don't have any student loans or credit card debt. We don't believe in credit cards as well.

So we only have a car loan and two phone payments totaling less than $15,000, and I'm trying to convince my husband to do the baby steps because he really just doesn't believe me that they can work. Do I do that? What do these conversations look like? So you say, hey, I've heard of this guy, Dave Ramsey. There's these things called the baby steps. What's his reaction? Well, I'm sorry.

I showed him like 30 minutes the other night and he just didn't believe that it was possible. What's the tears for? It's an ongoing fight in our relationship. It sounds like it's pretty... It sounds like money is an ongoing... We've only been married for a little bit over a year. It's not the baby steps. It sounds like money is an ongoing fight. it sounds like money is an ongoing fight

so what's he do for a living he just works at an industry like a factory company that what and so where is it that he became a financial genius at 23 freaking years old yeah so, so I don't know. I don't either. I'm really confused about where his arrogance is coming from. Or even his confidence. I just want to be financially free. Not you, him.

This is what I need. And he's like, well, I don't want you working. But I'm like, I'm willing to work. And he changed jobs because the other one didn't have benefits, and so we needed benefits for our family being a single income. And it didn't have overtime as well, and so we switched jobs so that way he could have overtime. And he still doesn't like overtime.

He's never taken an hour off or extra to work and I've encouraged him to do so because our son um he won't remember this time in his life because he's only six months so I'm like we need to be paying this stuff off so that way we can save up for stuff in the future but um he just doesn't think it's possible. What does he make? Right now, it's like less than $18 an hour. Hey, Emily, I'm wondering, are y'all connected to a church? Yes, we are. Do y'all have any mentors in the church?

Yeah, we've reached out, and they just kind of let us down on that. I would try again. I think y'all need some community in your lives to really, I think that this is beyond just a financial issue. It sounds like a bit like a marriage issue. Y'all are 21 and 23 years old, and those first few years of marriage, they're hard. And you need some wisdom in your life. You need people speaking into that marriage because it does sound like he's pretty hard. And you need some wisdom in your life. You need people speaking into that marriage, because it does sound like he's pretty resistant. And maybe what he won't hear from you, he can hear from an older man who's had some years of experience and can pour into him. Because, I mean, it's hard sometimes in those years. And I think just having some of those outside conversations could help. Yeah, and we have tried to search out counseling at our church, but it costs money. And he's like, well, I don't want to pay for counseling, but I'm telling him, like, it's our marriage. It's either you pay for this or there's no marriage. Those are some serious conversations. I'm curious, you guys are in Springfield. Let's try to get them into a Financial Peace University class, even if it's not at your church,

just because I want you to be around other people who are winning with money, who are winning in their marriages, who are winning in relationships. And a lot of times in those communities, people are not only walking out the baby steps, but they're becoming friends. They're pouring into each other's lives. And I think you guys need to be surrounded by good influences right now. And I'm so sorry you've been hurt by the church, that you've been hurt by the people who you really trusted to pour into you, but I wouldn't give up. There are amazing communities out there. So hang on the line. We're going to have Austin pick up and try to connect you with a local community, a fpu community and you know we'll pay for it for you guys to go through it yeah and this is going to blow up if you don't if he doesn't hear you because you're really close to flipping the switch and being done.

You've about had it. In your sweet little voice, I can hear an amazing amount of anger and resentment towards this prideful husband of yours. So, yeah, I mean, he doesn't want to go to counseling. He doesn't want to work overtime. He doesn't even want to watch a YouTube about how to handle money when he makes $18 an hour. And he's 23 years old. So, I mean, this guy, he's got, he is going to get, he's either going to choose to learn some new things or they're going to get forced on him by his stubbornness he's getting ready to get a knot knocked on his head by life um and i um yeah his

yeah somehow you you need to get someone to coach you a pastor a counselor or somebody on how to speak to him because because honey, you're close to being done with him. And we're not, I know how these things come down. Once you have had it, you will be done and we won't be able to get you back to him. And no matter what he does, cause he, and he's not wise enough to ascertain how, how, how far in the hole you are right now. So you're going to have to get somebody there to help you kiddo, but hang on,

we will get you into financial peace university for free. It's hard to argue with that. What can it hurt? We're sitting here watching Netflix anyway, so we might as well get up off our butt and go down to the church and go to a class. And if you'll just do that, dude, we can help you. But I can't help, you know, you can, I mean, you can hit a horse with a two before, but it won't make him drink. Ouch. You've seen these stories, Dave, over and over again where there's a very resistant spouse.

It doesn't end well. Have you ever found like any type type of, I don't know. There's no magic formula. Yeah. I mean, but what ends up happening is if you just stand in the middle of the road and defy life, it will run over your butt. And he's going to get his little butt run over. That's what's going to happen. Because he's just shaking his fist at everything.

And he's going to get his fist broken that's what's going to happen so here we go but i hope not i hope he can come around sooner than that i'm afraid i know this guy i might have been him in another life this is the ramsey show Thank you for joining us america christina ellis ramsey personality is my co-host today so if you're 23 33 43 53 73 one of the hallmarks of people who live a high-quality life is that they are perpetually curious about things they don't understand or have experience with or knowledge of and um especially an area of your life that is bringing you pain and so when i had babies and what to do um i mean i had been raised by humans so i had somewhat of a idea there right and i had people in our life that were around us but i did not know how to be a parent at 23 years old so i could just blindly walk into that with arrogance and pride and say what's my kid i get to decide which that's a true statement it is my kid i do get to decide

or i can start reading books on parenting i I can start taking a class on parenting. I can watch videos on parenting, and I can agree with or disagree with what I'm seeing and thereby start to form out of my curiosity my own process, which is exactly what I did, and I raised three kids that are all successful adults and so far are raising successful grandkids those kids are raising kids so um but i didn't know anything about it but i didn't just start out as young and dumb and stay that way right you you are the walking example of that curious person but what what if somebody's not like can they well no you can decide to be curious right you can decide to be oh i've got all this

figured out at any age but if you're sick listen if you're broke please don't tell people about your opinions on money. You should be very quiet because you're apparently wrong. If you have been divorced six times, I don't want to read your book on marriage. You shouldn't be telling people how to do relationships. You suck at it. You know, I mean, if you're 450 pounds, don't write a book on physical fitness. That's ridiculous.

And I don't care what your age is. That's just stupidity and pride. And so there's things today at 63 years old that I don't know about, but I'm not going to pose as an expert on those things and become belligerent with my wife about those things. So that's what that young man in that last call is facing. The antidote to him or for him, he's going to have pain in every area of his life because he's going to approach every area of his life like he is right now with fear and anger and stubbornness rather than curiosity.

And curiosity goes, you know what? I don't know. But by God, I'm going to find out. I mean, I started going to church as an adult. I didn't know anything. Preacher would say, and you know, when they threw Joseph, Joseph's brothers threw him in the hole. And I'm like, nope, don't know Joseph, don't know the hole.

But I will find out by midnight because I don't like being the dumbest guy in the room. I'm going to open that Bible and figure that out. And that's how I started studying the Bible. I didn't like being the dumbest guy in the room. And so I'm curious. I'm going to find out what this means. I'm going to find out why there's 73 brands of Christianity. Why is it we have like 63 brands of baptists you know i want to know these things

what is the difference in a free will and a missionary i want to know i want to know why that happened how is it that the church of christ is born out of the christian church i want to know how the united brethren church ends up being the united methodist church why'd they drop brethren i don't know poor brethren i want to know you know and you got to get it you know but if you already assume i've got it you know i'm the complete package at 23 that's so ridiculous it's funny right yeah but were you always curious or do you feel like you had to go through your you know obviously the bankruptcy and all the hard knocks you got before you got curious like will this 23 year old have to get smacked in the face my point is it's a choice you know if the point is if something in your life is not working You've got overwhelming anxiety. You need to be curious about anxiety and be

reading Deloney's book, Redefining Anxiety, and listening to every podcast of Deloney, right? And learning about people in the mental health field and learn the wide variety of opinions about things in that world and, you know, start to identify. But you can't just go, oh, I kind of like my poop. I'm just going to sit in it. Like you're a toddler, you know? And so decide if an area of your life is not working to be curious. It's a decision.

That's my point. So I'm putting myself in that 20 year old 21 year old shoes hearing this and being like yes he needs to decide but like how if you're that person we all know that person who is just they think they're right about everything even though they're completely ignorant they have no clue and we've wanted to talk to them but we just can't get through to them like how you can't you can't make other people behave but i'm just my i'm pointing out though that that you know find success principles and one of the if you want to be successful that is if you want to be average average in america is not bad if you want to be mediocre you can get through this life doing very little and being very little.

And you're very seldom hungry. I mean, you're going to be okay. But if you want to have a sense of traction, a sense of success in your marriage, in your parenting, in your money, in your mental health, in your career, if you want to have a sense of traction, a sense of progress, then you are going to decide to be curious in those areas. I can't make you be curious. I'm just telling you that that is a necessary element to having a high-quality life. And so, and you can, you know, integrity is also a necessary element. And that's not a, you know, how do you make someone have integrity?

You don't they just decide as of this moment i'm gonna have fanatical integrity because there's a high correlation between that and people who have high quality lives and so it's a freaking decision and and so you know and you can do that sometimes you people make it all the way to 63 or all the way to 53 and they're still just bullheaded and stupid and argue with a wall about w w when the evidence is in front of them that they don't know what the crap they're talking about. You know, so if you're broke, friends are making fun of your financial plan. You are right on track. Hello. They're stupid. They're broke. That's what I mean. They're, they're, they're stupid they're broke that's i mean they're they're they're stupid in the money area you know if your fat friends are making fun of your weight loss program you know you're right

on track don't do that i would just eat whatever i want well by god i did too i blew up like i got so fat during covid it was unbelievable ate every donut in a 50-mile radius. And so, you know, if I hang out at Dunkin' Donuts, guess what? This is going to happen again. So, you know, you've got to decide these things. Success principles need to come from people who are successful in the area, not people who are failing in the area with an opinion. So, Dave, let's role play for a minute.

Let's pretend like the 23-year-old husband was here on the line. What would you tell him? What I just did for the last 20 minutes, yeah. Smack him around? No, I mean, that's it. I'm not smacking him around. I'm loving the guy. Because that's the thing, dude.

He needs a good smack around. He needs it. Well, after talking to her, everybody wanted to. But, you know, he's scared and he's angry, and his answer to everything is bull up on it and try to prove, but I'm just telling you, dude, your track record sucks, and you're not winning in your marriage, you're not winning in your career, and you're not winning in your money.

So you probably ought to get curious about all three of those things, whether you're 23, 33, or 83. It's time to change something. That's a word. Christina Ellis Ramsey personality is my co-host today as we answer your questions about your life and your money our question of the day comes from blinds.com find out for yourself why blinds.com is the number one online retailer of custom window coverings you get free samples free shipping and with the new promos they run every month you'll save even more use the promo code Ramsey to get the best deal today's question comes from Michael in Florida.

I'm recently faced with a dilemma for Baby Step 5. I'm currently in the position where I can either take $30,000 and put it in a prepaid plan for my state, Florida, or take that money and invest it in a 529 plan. College prepaid plan has the positives of locking in the future cost of college tuition at today's rate, but has the downsides that if my daughter chooses to go out of state, that the prepaid plan will only cover the equivalent cost of in-state tuition. While the 529 plan, I will have to consider what the cost of tuition is starting in 2034. Which plan fits closest with the Ramsey plan?

We tell people never do prepaid college. Never. You've identified one of the reasons your daughter might choose to go out of state. She also might choose to go to trade school. She also might choose a lot of different things. The reason anytime you prepay anything like for instance a funeral or tuition or anything over a long period of time your rate of return on your money your interest rate if you will is the inflation rate of that item so if you prepaid bread you know what you would make you put a thousand dollars in bread you prepaid your bread bill before you know and you get free bread the rest because you bought it ahead of time for five years okay you you know however much bread goes up if it goes up four percent a year then you're making four percent

on your money if it goes up 18 a year year then you're making four percent on your money if it goes up 18 a year you're making 18 on your money college tuition has for the last 75 years averaged 7.2 so that's what you would average on your money and mutual funds have averaged 11 and a half to 12 the stock market has so a you're not making as much as you would on good mutual funds at a regular 529 like we tell you to buy um b she could go out of state and here's one we could add to this this is the whole higher ed discussion right now how many of you think out there in amer today, raise your hands, we want to see them. How many of you think that with the epic student loan crisis that we have,

and then the fact that colleges attempted to charge the same tuition to put people through online classes during covid and uh now even when they're going back to school they're having a less than stellar experience in many cases um the campuses are out of control in a lot of cases uh how many college is kind of under attack. Like I think higher eds, you know, this idea that they went for about 50 years, they could charge whatever they wanted to charge, but now everybody suddenly thinks they suck. That was exactly my thought, is I'm not sure that college is going to look the same in 15 years, and I don't think it should. No.

I don't think it should. The system's perfect. And even if it does I don't think it's going to cost as much. Right that's exactly what I mean. I don't think it's going to go up seven percent faster than anything else has gone up like it has been. I think those days are done because people are tired of being screwed price wise by higher ed And so I think there's going to be some marketplace pressure on their ability to increase tuition hand over fist, which means your prepayment might only make 4% rather than 7%. I think COVID woke everyone up. Now everybody's going, hey, wait a minute. Why are we just blindly accepting these prices and doing whatever it takes to pay it? That doesn't make a whole lot of sense. Now, that being said, I definitely think, obviously, we all believe saving for college is important, but the prepaid plan specifically really lock you in versus a

traditional 529. There's a lot more flexibility there. If higher ed is not able to continue their price increases, your return on investment here is going to be nominal. And that's a new thing that I've never said before because I always felt like tuition was just going to keep going up. And I was right. It kept going up. But they've had a little bit of a perfect storm hit them between people waking up with borrowed future and you know the documentary that's number one

documentary last year um and we're we're teaching people that uh stirring up a ruckus in america that that you know all degrees are not good degrees a degree in left-handed puppetry for 250 000 is stupid stupid and everybody's starting to say that out loud now because you end up you know working i don't know 250 000 in student loan debt and working as a barista because you can't get a job because you're the thing you studied nobody gives a crap about you You got a degree in German polka history or something, and then you wonder why America doesn't owe you a living. Well, people are also waking up to the fact that you don't have to go to a $50,000 or $75,000 school to be successful in life.

That is not a golden ticket. It's not a guarantee just because you went to xyz fancy school that you're automatically going to get the big expensive job like that's just not guaranteed starting to realize that um you know i i went to the doctor this morning i have no idea where that lady graduated from college she may have started her first two years at community college i do not know where she got her md but i left there, you know, much better off medically. You know, that's why I went. So there you go.

I do not know where my dentist went to school. I have no idea. I have all my teeth, but I don't know where he went to school. Well, here's the thing. I don't want to knock fancy private schools. I do. I mean, I went to Vanderbilt. I love Vanderbilt.

You went to Vanderbilt for free. Right. Okay. And that's my point is get the best education you can afford. If you can get a full ride to Vanderbilt, if you can get a full ride to an Ivy League school, great. But if you can't afford that, there's no shame there. And you can get a great education and a great job going to community college first and then transferring to a public university. Like where you go to school is not what's going to make you successful. You are what makes you successful. Ding, ding. There's a secret sauce right there. Preach it, sister. I like it. That's how it works. I love that the education system is

getting challenged. I hope we're having a totally different conversation 10 years from now about all the change that's happened. Well, I mean mean anytime you have blind acceptance of something then you get blind people that accept it i mean it's just that's just oh god so yeah it's and the stupid butt stuff you people are allowing to go on on these campuses in the name of whatever good lord who wants to send your child into the cesspool like that but dave a college needs a rock wall and a lazy river yeah yeah or 20 000 extra dollars a year so answer to your question michelle or michael um is um 529 where you pick the mutual funds and they don't move unless you move them. And you do that with your SmartVestor Pro. You do not do prepaid college because you're locked into one certain state.

You do not do prepaid college because you are locked into college. Your daughter might want to be a computer coder, and you don't need four years of college to do that. You need code school to do that it's a different thing so that that's you know and we do not know what's going to happen to higher ed i do not think it's i do not think education is bad but i do not think all education has a marketplace value either as a matter of fact i'm positive german polka history does not have a marketplace value the only job there is for german polka history is teaching other people German polka history.

That's the only job there is. And so it's a pretty narrow, nuanced thing. I'm not even sure it's an actual degree, but it's kind of fun to make fun of it. So anyway, but yeah. So that's the point. So, you know, if you're, but is a four-year business degree a good idea

if you're going to be in business? You bet. You're going to learn a lot of good stuff. So all education is not bad. We're not throwing the baby out with the bathwater. But I'm just telling you, this baby's in trouble. It's been misbehaving. And so I would not do prepaid college ever, but for sure in this environment, I wouldn't do it.

This is the Ramsey personality is my co-host today you hear me say it all the time everyone needs a will that's true it's a basic adult responsibility and there's just no good excuse to not have one now it's a good time of the year as we approach the first of the year to reset some things in your life getting your will done is one of them and you've heard me recommend an online will as the fastest most cost-effective way to get your will taken is one of them. And you've heard me recommend an online will as the fastest, most cost-effective way to get your will taken care of. But I get a lot of questions asking if a simple online will is right for everyone's situation. I get that. What if you need a trust or you need a mirror will or what kinds of power of attorneys do you need? With

those questions in mind, our team built a quiz to help you find the right option for you. You get custom results on the quiz and like where you're married, where are you married, where do you live, even the size of your estate, and you'll understand exactly what you need for your specific situation. It is a free quiz. So go to RamseySolutions.com slash Will's Quiz. Check it out for yourself and it'll start you on the process of getting the right will in place and you need to do that now dan is in lima ohio hi dan welcome to the ramsey show thanks dave for taking my call sure what's up appreciate it well i recently um had knee surgery both both total knees so and as i'm going to physical therapy that happened december 2nd as i'm going to physical

therapy they're telling me i can no longer kneel and i can no longer climb and i am a carpenter and that's what i do so it's like okay i have to do something different. Um, I do have options. I can go ahead and retire. I have to take a penalty and I would draw approximately $3,118 a month until the day I die. So that's not a bad option, but it's like, I want to make sure I do the right option. If I make it until 62, I draw almost $3 a month how old are you i'll be 58 in january are you a union carpenter i take it yes new carpenter yes okay so the rant rave about uh college and everything else like that for you people that ain't smart a union trade is a great thing pipe fitter boiler

banker carpenter it's all great thing yeah what do you what do you make a year back when you were still uh swinging a hammer i make about 65 a year 60 good for you how much overtime i work which is you know usually a lot do you have any other savings yes we. I also had the Carpenter Union comes with also an annuity, and I've got like $34,000 in that. And I've pulled that out of the Carpenter's Union and put it in Edward Jones in stocks. But, you know, as you can see, the last year the stock market has not been friendly to my investments there. So I would like to know more about switching it to a neutral front of some sort that, you know, will be decent through the year like this year. Well, I mean, you would be selling something that's down

and buying something that's down, so it's as good a time to do it as any as far as that switching that over goes. Okay, so you're not going to be a carpenter anymore, and you're going to be making $3,100, right? Right. So what are you going to do now? Well, and that's the thing. I could go do something else for a couple years,

and I'd like to because I would like to pay off my mortgage. I mean, you're young. You've got a lot of things you can do. You just not be a carpenter. You're going to be something else. And this is what we call an encore career. It's the second act. Yes.

Yeah, I mean, you're 58. You still have lots of time. Even just in general, I think we had this conversation a few weeks ago where it's nice to keep your brain active and moving and doing things, even if it's not the career you've known for so many years, just to have that stimulation versus... I bet you on those super, super cold days or those super, super hot days, you had something pop into your head you'd like to do someday.

You know, I messed my shoulder. I got another story. I messed my shoulder up in 13. So I went back, got fixed, tore off my rotator, tore off my labrum, tore off my biceps. So I get it fixed. I go back to work. A year later, same pains, you know. So I go see the doctor.

The doctor says, you need to do something different. Your carpenter is tearing your shoulder up. So I started my own business i started a mac o2 franchise and i did that for like five years and i had a son-in-law that moved back from florida and i was like i was like come on with me give this a try and he did awesome at it so i set him up in that business and i went back being a carpenter so and then recently my knees you know i knew they were bad you know and then you go get them. So if you can do a Mac tool business, you can do another business, right?

Yeah. So I'm telling you those days that you were laid up in the hospital or those days that it was too hot to be outside or too cold to be outside and you were out there anyway, you were thinking someday I'm going to go do blank, blank, blank, blank, blank. And you ought to go do that now. That's all I'm saying. You're going to, you're not a carp blank, blank, blank, and you ought to go do that now. That's all I'm saying. You're not a carpenter anymore. Your doc told you. You're done. Do you think he should go ahead and take the early penalty

and get the 31-18 or wait on that, like do another career that fully funds his life? Yeah, if you can just eat, if you can make enough to live and not take it now and take it at 65 that's fine uh that's going to be a lot better deal for him um but or take it now and still go get money right either one's okay yeah if you if you do take it now it you could still get a job that's a little bit more of a passion project like if you want to go you know volunteer not volunteer but work in a non-profit or something like that i guess that's the case i want to go make some money so get a real like he ran he ran a business making money

with tool business before so best case scenario he waits till 62 don't touch that and then let it get to where it's 3800 either one's fine but if he takes it now it does take the pressure off trying to make the other thing happen immediately because you got money to eat with so i'm probably going to take it now just for that reason. But I'm still going to say and go start another thing, man. Yeah, you've done it before. You're not going to kick your feet up on $3,000 a month. You're not done at that.

So you need some more than that. Well, and even just beyond the money, you told the story recently about your fishing friend who took off for a while then he got fat and then went back to work yeah and he didn't enjoy it a lot of people you know they get all that time back and then they're like wait a minute I want to do something I'm excited to do something I want to get out of the house yep that's exactly right so there's there's a benefit of that and I just think you know, all I'm saying is you've been through all this pain physically, and now you don't really have the option of doing this anymore. So the only question is whether you take the retirement now or you wait and take it later. It doesn't really matter.

Either one is going to be fine, but neither case is enough. So you're going to be – you need to go create some income doing something else. That's the important part of this particular discussion. so you're going to be create you need to go create some income doing something else that's the important part of this particular discussion by the way folks it is good to stop and recognize this okay buford did a book called half time and he said that uh men in particular the data tells us spend the first half of their life in acquisition and the second half of their life seeking significance. Women too, but the study he did was on men, and the research that he had was on that. And if you don't reach for significance in that second

half, you tend to get off the rails and, you know, get into drugs or, you know or run off with a secretary in a red convertible or whatever, that kind of stuff. So guys, you got to need to aim at something in the second half. Now, sometimes your second half starts at 30. Sometimes it starts at 58. What's your second half? It's not an age thing. There's like an arc to your career, an arc to what you're doing, and the first half of it is acquisition, the second half is significance. The important

part of that conversation is the other piece of data that's out there that we do know is that your highest, the typical person, your highest income potential decade is the decade of your 50s 50 to 60 because that's the point in your life that all of your experience in your career field is now valuable and before then you've been gathering that experience by making mistakes now all of those mistakes are called experience and and you're you really know things that you just didn't know before. It puts you in a sweet spot to go really cha-ching. And so that's why this encore career thing comes up. It's very, very, very important.

That puts us out of the Ramsey Show in the books. 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.