The Ramsey Show - App - DAVE RANT: Stuff Never Equals Happiness (Hour 2)

Episode Date: November 27, 2019

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. This is your show. Happy Thanksgiving week. One of our traditions on the Wednesday before Thanksgiving is you have to pay to be on the show. And the way you pay is you have to tell me what you're thankful for. And if you won't tell me what you're thankful for, you can't be on the show today.

Yeah, I know it's cheesy, but it's my show. Shut up. So I love it. I i'm thankful i'm grateful i i have a great life i am thankful to god beyond my wildest imagination he has blessed me and um some of you politically correct people don't like that i understand i'm okay with that just listen to something else it's okay it's okay because this is the dave ramsey show and this is what we do here. So thanks for calling in. Thanks for being with us. The phone number is 888-825-5225. So one of the things we teach you is, in the house of the wise, Proverbs says, are stores of choice food and oil. Wise people save money.

And a foolish man devours all he has. If you spend everything you make, God says you're a fool. I didn't say it. Don't get mad at me. It's in the Bible. A foolish man devours all he has. At times in my life, I have been a foolish man on a lot of different ways. But spending was one of them for sure.

I can spend some money. That's why God makes me teach this every day. And this is the week where America celebrates our ability to spend. I mean, it's Black Friday, followed by Cyber Monday, followed by Green Tuesday, followed by I'm in the Red Thursday. I don't know. I mean, there's a lot of colors going on, right? There's a problem here. Now, I don't want you to not enjoy Christmas, and I don't want you to never buy.

I don't want to do Dave Ramsey. He wants you to live in a cave and collect lint and only come out on triple coupon Thursday. Oh, shut up, whiner. That is not what I said. I've never said that one time. I don't say that at all. I want you to live your life. I just don't want your life to eat you alive because you don't have any off button you can't stop i had a pug for a while it was a great dog the dog could not stop eating it would eat everything you put in front of it and it would it almost turned into an english bulldog it got so fat i mean it got so fat and because my wife is like look it's hungry it is not hungry there's nothing hungry about this dog it did not have an off button for food and so we had to simply just not put out so much food is that that's the deal and if you don't have an off button for spending you got a problem this week

because you're going to justify rationalize and generally bs yourself into bankruptcy court on Black Friday. Now, I want you to go get you some stuff. I am not mad about stuff. I don't think you ought to not have stuff. I just don't want your stuff to have you. And I don't want you to spend money that you don't have trying to find happiness. Stuff never equals happiness. Stuff is fun.

I've got some nice stuff, and some of that stuff is fun. I've got a really nice ski boat. It is really fun. But it doesn't make you happy. And if you get philosophically, spiritually confused about fun and happiness, you can spend yourself searching for happiness, and really all you can ever buy with money is fun. You can't buy happiness. Godliness with contentment is great gain. So don't be a foolish man that devours all he has. Be wise. Be a grown-up. Go into Black Friday with an actual plan.

Purchase some stuff for your family. But don't do it in the name of it's going to make a relationship okay. If I don't give Daddy a gift, Daddy will be mad. But we have other issues. Because if you have to buy someone's relationship, that's called prostitution. And so if you're trying to make broken relationships right with a purchase, you're going to struggle your whole life with money, and you're living an illusion. And so don't buy stuff for someone to make them feel better about you.

That won't work. It won't work. And don't buy stuff to make you feel better about you. That won't work. Get you some stuff just to enjoy having a nice car, to enjoy having a nice experience, to enjoy, you know, the way it feels to wear a really nice suit. That's fine. I've got no issue with that at all. But don't do this out of a wrong motivation where you're trying to make yourself happy with stuff or other people happy with stuff or you're going to heal broken relationships with purchases.

This is very childish and this is a very bad plan the number of people that spend money just to keep family happy during christmas that cause families dysfunctional is unbelievable the pressure you feel if i don't do it if i don't do a gift at this level, my sister will be mad. See, this is just four-year-old stuff, not 34-year-old stuff. And that is not the, you know, what you need to do is have a different discussion, and the discussion has nothing to do with the size of the gift. The discussion has to do with the quality of the relationship between the giver and the receiver, and that changes everything. In other words, the gifts

really should not matter in the relationships at all, and the gifts should not matter in your search for happiness. Then it's just stuff. You ever meet somebody that completely freaks out and melts down because an item got destroyed or messed up, like a car got bumped into, or someone spilled something on their nice purse, or someone spilled something on grandmother's couch, and grandmother has to go into the padded cell for three days and get medication because her couch got something spilled on it?

See, this is someone who's worshiping a couch. They're trying to get something from a couch that a couch cannot give. It cannot give you a sense of satisfaction. It cannot give you happiness. It cannot give you contentment. It doesn't have the capacity to. A purse can't do that. A suit of clothes can't do that. A car can't do that. A trip can't do that. It's okay to get you a nice couch. You know, when I was a kid, most of my early childhood, we had this big,

wonderful room in the front of our house that we kids all played in. It was called the living room. It had no furniture in it at all. I was like 13 years old, and I came home, and my dad had made a commission check, and they furnished the living room with new furniture. We were kind of bummed out. We liked having this gymnasium in the front of our house. Don't try to get stuff to do stuff, something it won't do.

It won't do it. It's okay to get you some stuff. Enjoy Black Friday. But don't go to Walmart standing in line getting a fight over who gets a TV. That makes you look stupid and it makes the rest of us in America look stupid. That's ridiculous. This is the Dave Ramsey Show. Are high health care costs getting you down?

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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. if you do the same thing over and over again, day after day, and expect different results, we call that the definition of insanity. And that's true in business, too. So guess what? If you want to see a change in your business, you have to change. And a great way to do that is attend our Entree Leadership Summit, which will be May 17th through the 20th in Orlando.

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Alex is with us in Ohio. Alex, what are you thankful for? Hi, Dave. I'm thankful for the fact that God chose to put me in a Christian household in the best country in the world. Very cool. How can I help today? So my question is about college. In my second year out of three in college, this year I did pretty well in scholarships, so the whole year cost about $6,000. I'm in my second year out of three in college. This year I did pretty well in scholarships, so the whole year cost about $6,000. I'm looking at about a $3,000 check for next semester. I have $6,000 in student loans, and I have about $14,500, $13,500 of which is in checking and $1,000 is in emergency fund.

How old are you? I guess my question is I'm 20, just turned 20. Good for you. And what are you studying? Agribusiness and Applied Economics. Okay. I would pay nothing on the student loans until you graduate, and I would pile up cash as high as you can pile it to ensure that you

graduate with no more loans. That is rule one. And you're going to have a good degree. You're going to be in a good field. You're going to be able to make some good money. So you'll come out, get the job, and knock the student loan out immediately. Or if you've got some cash left over when you come out, after you graduate, just write the check and pay them off.

But I wouldn't worry about reducing the student loans, thereby putting at risk that you might run out of money before you get out of school okay i want you to get through school debt free okay yeah um and then i guess also uh i was looking to maybe get engaged in the next maybe six months or so cool that's definitely my future and so i guess uh just working that into it's another factor and i guess also i have my all my income from next summer which should be i don't know six or eight thousand dollars so what do you think of spending on the ring i honestly have no clue okay i i don't even, look at any prices or anything. I just know that it's a goal in the future, next six months or so. All right.

Well, I'm old. I bought a lot of diamonds. So I'll do my diamond speech for you. They don't go up in value. That's crap. The only value that they have is the way that it makes that special someone smile, and that's the only value that they have. And so there is no correlation between the size of the ring

and the likelihood of the marriage being a success. None. As a matter of fact, if the ring is too big, there may be an inverse correlation because they had unrealistic expectations going in as to what life was going to be like and you might be marrying a princess so uh but you know so you know have a nice ring something that's a nice gift for this girl that you love and that is wonderful but don't buy it on the basis it's going to go up in value it doesn't that's absolute jewelry store crap i own a bunch of diamonds that are on my wife and none of them

have gone up in value okay for a long time and so it's nothing wrong with that i'm not mad about it i'm not mad about diamond it's okay to buy some but they're not an investment okay so get get it's an investment in the relationship the second thing to know about them is that they are, other than furniture, probably have the highest margin of anything that the consumer buys, meaning that that diamond at the retail jewelry store, that jewelry store probably has half of that in it. And so if you know someone that knows a little bit about diamonds, an uncle, a parent, someone that can help you with the process to where you don't end up accidentally buying a piece of glass and get ripped off, I would look at a diamond broker. I would look at maybe even a high-end pawn shop.

And you might, even if you took the stone out of a ring you bought there, you might buy it for $0.10 or $0.15 on the dollar of what you would pay at the mall jewelry store. It'll blow your mind how good a deal you can get if you shop around a little bit. Now, I don't want you to buy bad stone and ugly stone. I don't want you to buy something that you're not going to be proud of, that she wears, any of that. I'm not saying any of that. I'm not saying cheap out, but I'm just saying there's a lot of wiggle room in this and don't just walk down the retail rabbit trail um because you're going to overpay substantially and i would think in your situation a thousand to two thousand dollars is probably your max okay you can always get another ring later i got married 38 years ago on a ring that was three it was 0.23 carat less than one-fourth

of a carat meaning you can't even see the freaking diamond it's so small okay now she doesn't wear that now it's for sentimental reasons sitting in the safe we kept it we didn't get rid of it but uh obviously she's got a headlight on her finger these days. But this is all just for the relationship. That's all it's for. It's all for the fun of it. So don't get caught up in the value. Now, I'm not suggesting a cubic, and I'm not suggesting a piece of glass, and I'm not suggesting a bad stone. I'm just saying there's a lot of wiggle room in this world and for a thousand fifteen hundred bucks you

probably could buy a really really nice stone if you watch what you're doing even if you had to have it remounted and so uh just just learn a little bit and and be wise in this purchase and don't get all caught up in the the standard retail finagling of this stuff rebecca is with us in indiana hi rebecca what are you thankful for this year i'm thankful for the entire year i had a baby yay married wow i started listening to your podcast wow well i'm on the list of the big three look at that very cool you are how can i? Okay. I know first you always tell everybody that your score doesn't matter. But I just paid off my car, and now my credit score has dropped 80 points. Great.

And we're on baby step number two. We've actually moved in with my in-laws. I have about $40,000 in debt to pay off, which we're hoping to do within the next year. Phenomenal. And then we're going to do our emergency fund, and we're going to buy a house. Great. But I'm going to need that credit score to buy a house. No, you don't.

Do you expect me to pay cash? No. You don't have to have a credit score to buy a house. If you have a zero credit score, indeterminable, because you have had no interaction with any accounts open for six months, which is what's going to occur in your situation, your credit score is going to become zero, and then you go to Churchill Mortgage and they will do manual underwriting,

like they used to do in the old days for a mortgage, and you can get a mortgage without a credit score. No and it's the same mortgage everybody else gets but this idea that you have to maintain your credit score by staying in debt in order to get a house is mythology and it gets people in a lot of trouble so by the time you pay your debts off and then it's going to take you at least six months for having zero accounts of any kind open under any circumstances a hundred percent of everything is closed while you build up your emergency fund and then your down payment, your credit score will drop to zero, which is what you want. This is the Dave Ramsey Solutions on the debt-free stage, Frankie and Kayla are with us. Hey, guys,

how are you? Hey, Dave. We're doing great. Thank you. Welcome. Where do y'all live? We live in Bedminster, New Jersey. Perfect. Well, welcome to Nashville Thanksgiving weekend. Yes. What are you thankful for? Dave Ramsey. Oh, no, really. I mean, we're thankful for a great group of people that have been with us along our journey and our family. Cool. How much debt have y'all paid off? We paid off $139,258. Very cool. And how long did this take?

39 months. Good. And your range of income during that time? We started at $103,000 and went up to $121,000. Cool. What do y'all do for a living? I work at the only Christ-centered evangelical college in the state of New Jersey. And I am a pastor, so a bulk of that money comes from her.

Ah, very good. I love it. Good for you guys. Fun. What kind of debt was the $139,000? It was a little bit of everything. We had car loans. We had credit cards.

We had student loans was the biggest bulk of that. Okay. And how old are you guys? Oh, man. I'm 41. Okay. And I'm 36. All right. Very cool. So what happened 39 months ago that set you on fire? So our church offered a financial peace class in February of 2016. And in April, we finished our class. But it wasn't until October of that year that things really started to change for us. Our son, who is six now, was about two and a half at the time. And we started on our journey with all of these dreams and hopes of things that we were going to do with him. And when he was about two and a half years old,

people started to notice some things that were different about him. And he was diagnosed on the autism spectrum. And we decided that he was not going to be labeled and he was not going to be given any excuses as to why he couldn't. And that started at home. Wow. Game on. Yeah.

I love it. How's that working out? It's awesome. He's a great, great kid. I love it. How's that working out? It's awesome. He's a great, great kid. I love it. That's fun. Very cool. Way to go, you guys.

And so that news and that decision regarding him kind of paralleled you guys saying, all right, game on on the money. We're going to clean this mess up. Absolutely. Yeah, we needed to make sure his future was a little better than it you know, it was looking at that time. Gave you an extra boost of motivation. That's right. That's right. Very cool. Good for you guys. So who were your biggest cheerleaders? Each other. Yeah, we were there for each other. We had some people from the church, Henry, who led the class at our church, he was a great help leading through that. Other people within our church. My sister was a great

help through the journey. Moms. Yes, both of our moms were there for us. And it was just a lot of people, a great community of people that were with us. I love it. Very, very cool. Good. Okay, so now you've done it. You're a pastor. Got a young couple sitting in your office. You've paid off $139,000. You can look at them with confidence and say, you can get out of debt. Yes. But you have to do this. What do they have to do? I think that first of all, they have to look at themselves in the mirror and understand that while they may have started someplace, they may not have been given a choice as to where they started in life. They may have been born into a place, born into poverty, let's just say, but that's not where they have to finish. And it is up to them to decide what they're going to do with their lives where they're going

to go and how they're going to allow god to lead the way for them preach it all right i love it and then what are they going to do with the money what did you guys do tactically what was the the day-to-day rhythm if you say you got to do this if you want to get out of debt yes um so it's definitely budgeting um being able to make the sacrifice where it's not comfortable. Last year when we were getting towards the tail end of everything, we didn't have Christmas at our house. We decided we wanted to go full out and we were going to do whatever it took to get there. And so we decided that we weren't going to do gifts for everybody and they had to understand that. Wow.

And I was okay with them if they didn't understand that. Wow. Because our family was going to be more important than all of those things. Yeah. I would say focus on the needs. There's a lot of wants that you may want to have at the moment, but your money has to go directly into the needs so that you don't have to kind of wonder, like you say all the time, where your money went at the end of the month.

Yeah. That's good. There's a lot of discussion that happens between our ears and our own heads about what's a want and a need. The number of times I hear someone say, I need, and then they finish the sentence with something that's a luxury is ridiculous. It's okay to get some stuff you want. That's right. There's nothing wrong with that. It is not okay to categorize it improperly. Exactly.

That's right. It's hard to go in debt for it. That's it. now we're going now we're going all right very cool very cool you guys well very good now that you did this in 39 months you don't have any debt except your home yes how's it feel it feels amazing we actually got the phone call uh call to come on to the show while we were on vacation. Oh, wow. And I didn't answer the call because it was long distance. And while we're debt-free, I still didn't want to pay the cost. So I called back when we got back so I didn't have to pay the extra charges.

And I was thankful when I heard the voicemail. I love it. That's great. How fun. Very cool. And you got to come down on Thanksgiving week. That's right. I love it. That's great. How fun. Very cool. And you got to come down on Thanksgiving week. That's right. That's right.

That's neat. And you brought the kiddos with you to do the debt-free scream. Yes, we did. What are their names and ages? Introduce them to us. We have Evan, who is six years old, and we have Lamar, who is 13 years old. And just a quick thing. One of the greatest things about being able to get out of debt was it put us in a place to be able to help more.

We always had the want to help others more, and we couldn't do that while we owed people money. And we finished up our debt journey in July, and we were able to welcome Lamar into our home in September, which is something we wouldn't have been able to do surrounded and drowning in debt. Very neat. So you just adopted Lamar. Yeah, he's our foster son for now. Okay. And we are going through the process with him,

and thankfully we got permission to bring him on today. Wow, that's neat. Well, we're honored to have him with us as well. Very cool. Very cool, you guys. We're proud of you. Very well done. We've got a copy of Chris Hogan's book for you,

Everyday Millionaires. That is the next chapter in your story. You've living like no one else. Later you can live live and as you said give yes like no one else it puts you in a position to do things that that are laid on your heart and you can answer when god calls because you don't have two masters so well done you guys very very very well done i love it all right it's frankie and It's Frankie and Kayla, Evan and Lamar. $139,000 paid off in 39 months, making $103,000 to $121,000. Count it down. Let's hear a debt-free scream. Are you ready?

Three, two, one. We're debt-free! How's that, baby? That's how it's done right there. Woo! I love it. How fun. That is super fun.

It's a big deal. If you live like no one else, later you can live and give like no one else. A lot of families feel the tug to work with foster children and to look at adoption, and they don't have the financial margin because of debt. That's not a good trade, is it? Not a good trade at all. We have the money in this culture to take care of the least of these. We've just got to get our act together.

And one family at a time, we're having the pleasure around here of witnessing that. Example, that's getting rid of the student loan debt, right? Have you listened to this Borrowed Future podcast? A brand new podcast, Borrowed Future. Eight episodes, a million downloads now, and interviews from industry insiders, whistleblowers, thought leaders like Mark Cuban, Seth Godin, of course me. Of course, our Ramsey personalities are speaking into this, and students all across the country are learning that they don't have to get trapped in this predatory disaster of a student loan industry.

And it is an industry, and they're churning out debt we've gotten over 5 000 reviews on apple podcasts you need to check out the reviews you need to leave a review if you listen to this a good one especially don't leave a bad one but i gotta tell you check it out this is an incredible podcast it's called borrowed future you got to put it on your car as you're riding through the holidays here borrowed future eight episodes this is the Dave Ramsey show We'll be right back. Twyla is with us in New York. Is it Twyla? Is that how it's pronounced?

It's Twyla, yes. Twyla. Okay, I'm York. Is it Twyla? Is that how it's pronounced? It's Twyla, yes. Twyla. Okay, I'm sorry. I'm messing it up. So, Happy Thanksgiving. What are you thankful for? Oh, I am thankful for the gift of every day. Amen. How can I help today? Absolutely. Well, I can't tell you how glad I am.

I just found you, and you have helped me just in the few days of binge-watching you on YouTube. Well, thank you. Try to get my husband on board. I've been married for 33 years. I'm 57 years old, and I am very, very concerned about retirement. I really don't have anything. I have $20,000 put away for retirement in a 403B that my employer puts in for me. Our total income, our combined income, and he's retired, but our combined income is

about $80,000 a year. Does he have money in a retirement? He has, what he had was his company laid everybody off and kind of forced him out earlier. And he was able to take his 401k. And we followed the advice of a financial advisor who I, down the road, disagreed on a couple things with. And after watching you, I realized that I wasn't wrong. But in any case, he turned it, he put it into a prudential. Oh, gross. Into like an annuity, I guess. It pays out a certain amount every month.

How much is in there? It's over $400,000. Okay, good. So you've got a pretty good nest egg. You'd just like to add to it while you're still working and with an $80,000 income, right? Yeah, I was concerned about, like, if I should be pushing. He keeps telling me you should be putting money away for retirement because now my employer will match a certain amount.

I've got such cold feet about it. I'm afraid. I'm like, what if everything tanks? Do you lose all your money? I mean, that's my concern. about it i'm afraid i'm like what if everything tanks do you lose all your money i mean well to start with we would walk up what we call the baby steps if you've been binging a little bit you probably heard me talk about that and that is we're going to make sure we're out of debt except your home do you have any debt except your home well what we did i'm very proud of myself for this and that's i like i said when i found, I felt like I found a kindred spirit. It's been a struggle.

My husband likes credit cards, and he has some spending issues. We both came out of situations with no money when we were younger, and I think it affects people very differently because it did the opposite for me. Anyway, I'm a saver. He's a spender. Yeah, that's normally what happens. So how much debt do you have not counting your home? We't we have our home we own our home i've made a huge okay so are you 100 debt free is that what you're telling me no um how much debt do you have

twenty thousand dollars in credit cards okay well your first goal is to get that paid off and get yourselves on a budget so the two of you are on the same page. It sounds like he's trying to treat this like it's two separate entities like you need to save for retirement. Well, let me just tell you, half of his 401K is yours. You're married. Okay? So you need to start treating this as one goal that we are going to have enough for retirement and we are going to have a spending plan that we agree to where the money's going to go and it's not going

to include any debt or use of credit cards and we are going to get rid of this $20,000 in debt and then we are going to build an emergency fund of three to six months of expenses. Then is when I would start loading up your 401k. And I mean, put all you can put into it and put it in good growth stock mutual funds. Now let's address the issue then that, um, you know, what happens if everything tanks? Okay. Good growth stock mutual funds would have 90 to 200 of stocks in them of America's best and brightest companies. So you would read down the stock list and you would read stuff like Coca-Cola, Dell, Microsoft, Apple, Home Depot, General Motors, Ford. You would read names like that okay in order for those stocks to all be worth zero america would have ended as a country oh okay because i think about it if you take every major company that is in your mind when you start naming off a hundred major companies and they all were

broke the only possible thing would have been that there was a political implosion and, you know, someone took the country over, right? It would not be, the economy could not go down far enough without a political collapse for all of the top 200 companies in America to be zeroed. Now, can they go down in value in value yes they can go down in value but to all be to zero is um is is virtually impossible in a scenario where you're worried about money if they all go to zero you need to be worried about bullets and water and a generator

right okay i mean because you're living in a post-apocalyptic world at that point and so you're not going to go zero now can they go down in value yeah in 2008 was the largest drop other than the great depression and they went in half yeah i saw that that's what kind of spooked me and so if you're following me through though, though. If you had $400,000 in there in 2006 or 2007, and then it went in half, it goes to $200,000. If you didn't take it out, the Dow at that time, the Dow Jones Industrial Average was 6,500. Today, the Dow is 28,000. Wow. So your 200,000 would have grown, let's see, 65 into 28, what, five times roughly. So your 200,000, it went from 400 to 200.

If you left it alone, it'd be worth a million today. Oh, wow. Okay. So that's your downturn, but you have to follow it with the upturn. You can't just look at the down. And so the way you do this stuff is you read things like that, you understand things like that, and you sit with a good financial advisor, and you can get with one of our SmartVestor pros that we recommend,

and they'll have the heart of a teacher, and you learn things like that. Because the only way you get peace, you are wise to not have peace right now. Because with the knowledge level you've got, it would be illog are wise to not have peace right now because with the knowledge level you've got it would be illogical for you to have peace it's logical for you to go all i know is those trucks are going really fast and i'm not going to step in the interstate somebody run over me right but if you go okay wait a minute now i've got some knowledge there's a crosswalk up here that flashing light means they are all stopping. We'll wait on them to stop, and then we're going to go across real safely.

Now I've got some knowledge, and I don't have to go out there and play Frogger in the middle of the interstate and get run over. And so you're wise if you don't know what you're doing to have some fear. The way the fear dissipates is with knowledge. And so another example is this. When you bought your home, they did not give you a guarantee that it wouldn't go down. We made a huge amount on the home that we sold. Right. I sold when the market started going crazy in our neighborhood,

and we bought for two and change, but it was 28 years ago, and we sold for $980-something. And the realtor tried to get me to sell for eight and change, $800,000. But here's the thing. All you had there, you didn't have a Ph.D. in real estate. All you had there was street smarts. Yeah. Because you grew up around there. you had a feeling for this neighborhood you knew what was going to happen you had a gut

and all of that was based on knowledge and so the fact that you could make those moves and make those decisions were knowledge-based rather than fear-based and so if you had that level of knowledge that street smarts about mutual funds for your 401k investing, and I do, then you'd have the exact same feeling about that as you do about real estate, and I do. So I'm very comfortable with the volatility of the stock market because I'm not going to cash it out. I'm just going to ride it out.

No one gets hurt on a roller coaster unless they jump off. And so that's what you learn. You learn the history of the market. You look at this mutual fund and go, gosh, I'm buying a mutual fund that's 27 years old. And out of 27 years, it's had four years it lost money. And the average annual return on it is 12.5%. That's a pretty good thing I can look at. That gives me a lot of peace.

And that's what you're studying and learning. And you get that information with a SmartVestor Pro, and they'll help you walk through this. Honored to have you as a new listener. Thanks for joining us, and Happy Thanksgiving. This is The Dave Ramsey Show. Did you know you can now listen to The Dave Ramsey Show on Pandora and Spotify? For all the ways to watch and listen, check out our show page at DaveRamsey.com slash show.