The Ramsey Show - App - DAVE RANT: The Stimulus Won't Fix Your Life! (Hour 1)

Episode Date: February 16, 2021

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental 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. I'm Dave Ramsey, your host. Thank you for joining us. Open phones at 888-825-5225 as we talk about your life and your money. So an appearance that I did on Fox television last week has been blown up and carved up to the use of left-wing crazies. And my Twitter feed is full of things like this. Prince Sleeper says, Dave Ramsey, you're actually a piece of blank LM.

Laughed my off. Okay. And so basically I've got a bunch of juvenile delinquents all over my Twitter left-wingers because I've got about two national. On the national scene, I've got about two. On the local scene because I've got about two national, on the national scene I've got about two, on the local scene I've got about three more left-wing, uber-progressive socialist reporters who detest everything I do and do their best to write up an article showing that I'm a knuckle-dragging primitive idiot. So all of this is because I said I hate the stimulus package because if $1,600, $1,400,

$600 changes your life, you're already screwed. You don't have a life. And that means that Dave Ramsey is an old white man that hates everybody, and Dave Ramsey is a piece of blank, and all because I told some snowflakes they couldn't get some free money or shouldn't get some free money from the government. So let's go and walk through why I would say something like that. Is it because I'm really mean and angry and hate poor people? Absolutely not.

It's absolutely ridiculous. On the contrary, I've spent my life helping people get out of debt and become wealthy, and I've helped more people get out of debt and become wealthy probably than anybody living on the planet right now. We've got 20 million people listening to this show and podcast on a daily basis. I mean, add it up. So let's talk about why I would say that. Because I am at war with anything that is going to keep you, with anything or anyone that is going to keep you, the listener, you the reader, from living in abundance. I want you to win financially.

And I am sure after 30 years of teaching this that personal finance is 80% behavior and 20% head knowledge. And so how you behave is most of why you are able to build a life of abundance. Starting from nothing, which I have done twice. I started from nothing, which I have done twice. I started from nothing, became a millionaire by the time I was 28, lost everything because I was stupid, and then I moved on and did it again in spades. So the idea that your behaviors come from your beliefs is a big deal.

What you believe about life causes you to behave in a certain way. If you believe that if you step on that ice and it cracks, you're going to fall through and drown in the pond, you're not going to step on the ice. What you believe affects your behaviors. It causes your behaviors. All of your behaviors come from your beliefs. So when you believe something that is false, that is a lie,

especially when it comes to you're living your life in abundance, I'm going to call it out. Now, if you believe that the government giving you $600 is going to cause you to live in abundance, that's ridiculous. But if you believe that, then that gives you permission to sit on your thumb and not go about taking responsibility for your own life. Now, I don't mind if you take the $600. I'm not mad about that. What I am mad about is this idea that it's going to fix your life.

It is not going to fix your life. You are going to fix your life. And until you take personal responsibility for your life, you're screwed. Is there systemic problems with wealth inequality? Not as much as the extreme left thinks, because they think it's so systemic and so overwhelming that you will not be able to win until wealth is redistributed. That has never been proven to be true, not in the history of mankind. But if you believe that there are systemic problems that keep the little man from getting ahead, then you will not take responsibility for your life and go win, and that makes me angry.

And so Chris Hogan and Ramsey Solutions did a book called Everyday Millionaires where we did the largest study of millionaires, showing that 93% of America's millionaires started from nothing and received nothing to close to nothing, or received money after they were already millionaires. They did not become millionaires mathematically in the largest airtight study ever done of millionaires in North America. They did not become millionaires mathematically because of an inheritance.

So if you believe that the only way to become wealthy is to inherit money, therefore you don't take personal responsibility for your life, I'm going to yell at that for your own good. I'm already a multimillionaire. I'm okay. I'm not a grifter. I don't need your money. Don't buy my stuff if you're mad about this.

It's fine with me. Don't listen to this show if you're mad about this. It's fine with me. Just don't sign up for stuff. I'm fine with me. Don't listen to this show if you're mad about this. It's fine with me. Just don't sign up for stuff. I'm fine with that. But everything you're going to get from the Ram if you're waiting on anything other than you, the person in your mirror, to take responsibility, personal responsibility, for your future, you are going to fail.

You're going to fail, because all of those things are going to let you down. If you believe that the only way to become wealthy is to inherit it, then you believe a lie, and your belief in that lie causes you to shut down and not stand up, leave the cave, kill something, and drag it home. And that pisses me off, because it keeps you from winning. It keeps you from winning. If you believe that the government declaring a 15 minimum wage is going to change your life very few people get rich on 15 an hour you're going to have to do

better than that sweet cake suck it up buttercup you got to get up leave the cave kill something and drag it home hustle and grind it is your personal responsibility to go create a life of abundance. And when you think that someone else is going to cause you to become successful, that is the moment you have signed your death warrant to the success

parade. You're not going to be in it. And so, the lefties saying the government is here to save you is a lie now if they send you some money take it it's one of the few good things they're ever going to do for you that's fine but you sitting on your thumb because you think the government is going to fix your life you are screwed you are worshiping a God that doesn't exist. He's a dead God. He's called government as your provider. He is not

your provider. She is not your provider. They don't have the capacity and they can't do it and they won't do it. You run out of other people's money when you believe in socialism. You are responsible for you, darling, and I want to lead you into abundance from wherever you are.

But believing bullcrap is not going to get you there. You've got a lot on your plate. A job, your home, your marriage, and your growing family. While you're enjoying the present, you can't help but think about your future and your finances. As you explore your options, consider Christian Healthcare Ministries, or CHM, for your health care. Their generous maternity program and budget-friendly monthly programs have been a blessing to members welcoming children into their families. Visit chministries.org slash budget to see if it's right for you. That's chministries.org slash budget. This is the Ramsey Show. I'm Dave Ramsey, your host.

Thank you for joining us at 888-825-5225. As we show you the shortest path from where you are into abundance. With the right belief system to get you there and the steps to take. Svetlana is with us in San Francisco. Hi, Svetlana. How are you? Hi, Dave. Oh, my God. I'm so excited. Sorry. I'm going to contain myself. Me too. Me too. What's up? So we live in the San Francisco Bay Area. We're in the suburbs of the city. We sold our first home that we had for five years last year in August because we thought,

oh my God, it's the height of the market. Let's do this. Let's sell. Well, lo and behold, it wasn't the height of the market. And now we're renting. We thought we'd rent until winter to wait for the prices to drop. They keep going up. Interest rates are low.

Should we just dive in and buy now? Prices are insane in our area. Or do we just continue to wait, which I'm just worried that we're just throwing away money renting if we do that. Yeah. Well, the San Francisco market and Silicon Valley in particular, some of the most expensive real estate in the world, as you know, and it has done nothing but go up. If you are going to stay in the area, owning real estate is the best thing to do. I do not know if it's going to go down or not, but if you're going to stay in the area, say, let's pick a number, 10 years. Yeah.

Okay? The market may get soft in California between now and the 10-year mark. It could even go down in value. But 10 years from today, I would be very comfortable and glad that I owned real estate, I think. I think. Okay? And what I'm basing that on is this. California has always been an expensive real estate market, San Francisco the bullseye,

and it has always had more fluctuation. It's always gone up and down. And you add to that the political climate you've got and the economic climate as a result of Newsom shutting everything down, the huge number of millions of people leaving California, and what is that supply-demand going to do

to drive real estate prices down? It might. It might. I don't know. It hasn't yet. That's what we're wondering. None of our real estate ELPs are telling us the market is soft in california that there's an oversupply of real estate due to the number of people leaving the state yet but i that's a possibility i do think that will be a short-lived possibility because I do believe that Californians are going to get their lives back by removing governors or electing new governors or whatever over some period of time.

I don't expect the current status to last 10 years. That would be a weird thing. But it has gotten considerably harder to live there over the last 20 years economically. Yep. So all of that affects real estate prices. That's what you've got to consider. So I still wouldn't believe in the real estate market on the long haul, though. On a three-year or a five-year window, I don't know.

I've never seen anything like this the number of people leaving a given state and they're all the wealthy people and the producers that's who's leaving because they don't want to get taxed with the wealth tax they don't want to get taxed the way they've been overtaxed they don't want to you know they don't want to pay for all these things when the climate has become anti-business and so on. So it's affecting the economy. The political left is affecting the economy. The political shutdowns on COVID is affecting the economy versus I was in Florida last week, and it's a freaking boom town. You can't get in a restaurant. You can't get in a hotel.

And, you know, again, the political climate is that governor has opened that state up and uh boom man people are out there and so um you're in florida owning real estate yeah you're gonna be a real happy camper in the three-year mark the two-year mark the five-year mark the 10-year mark but that's the thing you're facing and that's what you've got to think through and watch for yourself but overall if you think we're going to be here 10 years, no matter what happens here, we're sticking it out, then boom, I would buy. That's simple. Hey, thanks for the call. Henry is with us in Wisconsin.

Hey, Henry, welcome to the Ramsey Show. What's up? Hi, Dave. It's an honor to talk to you. You too, sir. Yeah, thank you. So just some background on me. I'm 30 years old. I'm married. We just had a baby in December. It's our first kid. We are renting and we are debt-free. So no house, but we're saving up for a good down payment on a home at some point, whenever that's right for us.

I've got a four-year degree, a bachelor degree in criminal justice, and I've been utilizing that degree working at the county jail for the last eight years where I live. And the last four years, I've been a shift supervisor there. The longer I work there, the more I'm feeling as though I'm not happy with the work environment. You know, the clientele aren't always the greatest in my line of work. Well, they're prisoners. I don't understand what I mean. Exactly.

Yeah. Shocking. Not judging them, but you know what? No, I mean, shocking. They're getting angry at me i'm sure i'm sure there's some of them are great guys and gals but most of them are there for a reason you know exactly yeah so um and i'm just becoming more and more disenchanted with the career and the job itself now that being said, there are promotional opportunities for me, and I believe I'd be a good candidate for them. However, time isn't exactly on my side. I think it's going to be a while, maybe even a few years yet, and that's not a guarantee

that I get any of these promotions. So what are you going to do in your new job because you're going to leave i'm thinking so dave i'm already um a day or two away from having a set interview with another it's the it's the largest uh employer in my county and uh they're gonna have an interview with me and this is the final interview i've already gone through a bunch of over the phone stuff with them so you know I feel good about it Dave and I think if they offer me or I think they're going to offer me to do what get that feeling so what are you gonna be doing I'll be I'll I'll be a supervisor again I'll be a production line supervisor so okay I think a lot of the things not related to my degree obviously in criminal justice they're going to translate over just having four years of supervisor experience where I'm at.

Yeah. Okay. I think they like me, Dave. I think I'm going to get the job if this interview goes well in two days. So I'm just wondering, am I being too impatient? No. Am I? Yeah.

I don't think I'm happy, Dave. No. Here's what I hear. If you're still doing this, what you're currently doing 10 years from now, you'll be miserable. And I know if I don't get promoted or anything like that, I know where I'm at now. I don't care if you get promoted or not. I don't care if you get promoted to warden. You're still going to be miserable.

Yeah. Yeah. I already know that if I'm where I am. Nothing you said is I'm passionate about this work. It's a J-O-B that went bad. Yeah. You know, I have pride in it. I loved it initially.

You know, it's interesting, obviously. But a lot of it's not just the, you know just the clientele there, the inmates. The way to ask yourself these questions and keep out of the excuse land of the way something used to be, it's not that way now. The way you ask yourself the question is, 10 years from today, 20 years from today, if I'm in the same field working for the same employer, even with promotions, am I smiling? And the answer to that question is no you're not going to be it might be no with the other place but the other place is a step up and at least a positive trajectory and so you're probably taking that but i'm not even sure

you're staying there you need to ask yourself what do you want to be 10 years from now? And get about the business of becoming one of those. Whatever it is. And check KenColeman.com. Ken has got great literature, a lot of free downloads and things on picking a career and then on how to get the interview. And he can help a bunch with that. He's our Ramsey Solutions Career Specialist. This's our Ramsey Solutions career specialist. This is The Ramsey Show. Michael and Marilyn are with us in Springfield, Massachusetts.

Hi, guys. How are you? Great, Dave. How are you? Better than I deserve. I see on my screen you're debt-free. Congratulations. Yes. How much have you paid off? We paid off about $225,000 in 45 months. Wow.

And your range of income during that time? Well, we started off around $99,000, and we bumped it up to $136,000. Cool. What do you all do for a living? Well, I am a vocational teacher at a collision repair instructor at a local vocational school. And I myself work in a local community hospital as a front desk secretary. So I've been with the front line with all the COVID-19 happening. Wow.

Wow. So, Michael, your students come out knowing how to do auto body work, is that correct? Yep, and also personal finance through your Dave Ramsey solution. Well, thank you for that. So what's a young man or young lady that learns that trade at your Vo-Tech school make when they come out of your class? Well, most of our students are making between $15, $16 an hour, and we have a co-op program, which is nice because one week they're in shop, and one week they're in an academic course. But when they graduate and go into that career, what do they make?

Yeah, it's going to be about, you know, when they're done, say they're seasoned, I would say about $42,000. Okay, all right, very cool. For a year. Very good. Okay, that's interesting. So what kind of debt was the $225,000? Yeah, it was our regular old, you know, car payment, credit cards, our mortgage, and our little Parent PLUS loan

and a little bit of my own college loan. So we're the normal family out there. Gotcha. So what happened four years ago, 45 months ago? Well, as everybody's story starts a little before that, but basically Michael told me no, and it was a time where the kids were going into college and it was college expenses and college tours. And it was prom. It was eating away at my income because Dave, we were the ones that did his, hers and ours. And we had learned from that, thankfully from you. We, about four

years or so ago, we went on a camping trip and I had got a book from the little library nearby. And originally it was called Slaying the Debt Dragon by Sherry Lowe, and we read it out loud to Michael. But in her book, she said your name because it was her journey getting out of debt, and your name came up multiple, multiple, multiple times. So Michael, the smart guy he is, we Googled you. We went to your Facebook page. We went to your web page.

We learned about financial peace. I learned about, oh, we learned about the debt-free screens and your lovely turning points. And you need more turning points. We love those. Yeah, they're awesome. And that's like the rest of the story, yeah. Oh, that's the rest of the story. True.

That is true. And when we came back from that camping trip trip on a Sunday night, that following Sunday, we were sitting in Financial Peace University at the local church being held there. Okay, cool. And for me, you know, I was 53, 52 at the time, and I was looking at, you know, wow, we got $225,000 in debt and I'm retiring in 10 years. What's the magic wand out there to try to get this all down before I retire? Because we want to be able to retire and be able to feel good when we retire and making sure we have a good nest egg.

Yeah, absolutely. Very cool. So you went through the class. You did everything, it sounds like. And so you roll up your sleeves and you get started. So now you paid off $225,000. That's an incredible number. It is.

It's really shocking to see how much that is. And it was really quite the journey. We both had two jobs. Michael worked seven days a week for four years um we also had some roommates in the house as well to help with the because we live in a five college area you can't beat that and it's been fantastic and it's just astounding to go back to relive it because you're I'm reliving the time I was midnight in a kitchen because I did commercial cleaning, cleaning somebody else, you know, dried on macaroni and cheese in the sink,

pretty much crying to myself that, why am I here? Never again. Yeah. So when someone says, will you borrow money again? Your answers are quick. No. No. Nope.

Nope. Nope. Nope. Nope. And it's great, Dave, you know, when I have the students in the class and going through the high school edition, having the kids already at, I'm teaching that at 11th grade, and the students are already saving for cars, they're not borrowing money, and I've got the big chart of Ben and Arthur on there that you have there. I had the graphics communication departments blow that up for me.

Yeah. And we've got to paste it on the wall so the kids are looking, well, I can make this when I retire. Yeah. So it's really inspiring. Yeah, that's very cool, very cool. So what do you tell people the key to getting out of debt is now that you've done it? $225,000.

$225,000. $225,000. Number one, you need to know the knowledge. You've got to have the budgeting skills. And, you know, we were the ones, the money came in, the money went out, and we went on our merry way. And you've got to have the budget. You've got to stay under the budget. You've got to have goals, dreams, have wants and needs,

and you have to do it together. So we made the budget, we created vision boards, we talked, we hoped, we engaged in dreaming of the future. We want to be an asset to our kids. So for me, it was learning the budgeting. So your Total Money Makeover book is like just the best book in the whole wide world. We give those out for gifts, Dave, and I give them out to my seniors when they graduate as well. Thank you. I appreciate that.

I'm so impressed with you guys. You are absolutely... You took personal responsibility for your lives. And when you did, you turned everything around. It took a while, but you were in a deep hole. And you kept shoveling and working and shoveling and working and shoveling and working because your behaviors reflected your belief.

Your belief became, we can get out of this, but we're going to have to pay a price to win. We're going to have to live like no one else so later we can live and give like no one else. And when you believed that, you went about the business of causing it to be true. I'm so proud of you. Yeah. Oh, thank you. Very true. Very true.

A lot of hard work. We had some support, too. And come to find out, we had somebody, our local CPA, her name's Shannon Reichelt. And I think you, she worked right under you. She was at your house having dinner with you. And she's the own away CPA. And she has a podcast as well. And she talks about money.

And I've been on her show with the students as well, so the local community radio could hear what was going on at the school as well, teaching the kids at an early age. That's the key. Yeah, we're really needing it out in the high schools. We really need to get it into the education force. We really need to, even for the everyday people like we are, just to have the knowledge. And it was a lot of work, well worth it.

You know what a successful person is? It's an everyday person who went to work every day. And they made the stuff, they did the things necessary to become successful. They didn't sit around and wait on someone else to fix their life. And so you're not sitting at home wringing your hands, hoping the government sends you money. Oh, yeah. Yeah, no, no, no. I always kept thinking that at the end of the day, it's our head on the pillow and how proud was our day.

And knowing that we put the money towards the debt, didn't accrue anymore, and never will go back, it's astounding. And we're very thankful for our family, our kids, for your book, for all your personalities there at Dave Ramsey Solutions, and for the Smart Conference, Marriage and Money. It is just this whole world you opened up for us, and we hope to share, share. Well, we've got a copy of Chris Hogan's Everyday

Millionaires for you. We're so proud of you guys. Michael and Marilyn from Massachusetts, $225,000 paid off. 45 months. $99,000 to $136,000 income. Count it down. Let's hear a debt-free scream. Three, two, one.

We're debt-free. Yeah. Wow, that's a lot of money. And the government paid none of it. And I paid none of it. They went, left the cave, killed something and drug it home. They're called rock stars. So proud of you guys. Well, that last couple's debt-free scream was absolutely amazing.

$225,000 paid off in 45 months. I know you may be out there today. You might even be trapped at home by snow in your area. There's a bunch of us have been. Some of us are at work here today. Some of us are not. Some are working from home because Tennessee got hit with ice, which is actually a lot harder to drive in the snow for you stuck-up Yankees that think we Southerners can't drive

in the snow. Most of us can't. You're right. But some of us, it's an opportunity for us rednecks to get our trucks out, too. So anyway, you might be stuck at home and you're hearing that $225,000 paid off. Or maybe you're not stuck at home, you heard that. And you think you would never be able to do that. You know what?

You can. You can do it. No, it's not a made-up thing. It's not false positive thinking. We've literally led tens of millions of families out of debt. And you can do it too. Ramsey Plus is our step-by-step plan that gets you a quick win so you can make faster progress on your debt.

It includes Financial Peace University, the class they were talking about that they went through. It includes the EveryDollar Premium budgeting budgeting app the world's best budgeting app and once that debt's gone man you got money then because you're giving most of what you earn to someone else every month and you can try ramsey plus for free once you become a member you'll also get special benefits like the federal classic e-file with Ramsey Smart Tax. That's a free, you can use our free tax software if you're a member. The audio book of Rachel Cruz's brand new bestseller, Know Yourself, Know Your Money.

Get all kinds of benefits when you're a Ramsey Plus member. You'll have everything you need. Step by step, small steps for the first 90 days. We're going to show you exactly what to do. To start your free trial to Ramsey Plus, go to DaveRamsey.com slash Ramsey Plus. DaveRamsey.com slash Ramsey Plus. Terry is with us in Fresno, California. Hi, Terry.

Welcome to the Dave Ramsey Show. Oh, thank you, Dave. It's such an honor and a privilege to talk to you. You too. How can I help? Thank you. So I'm 61, and I first ran a crotcheter show about 10 years ago or so, and at that time I had pretty much created, I guess, a financial bloodbath, so to speak. I had arrived in my family originally from East Tennessee and I arrived there with about $650 in my pocket and four kids in tow. I had left my husband in Hawaii and started a life over. And I was one of those ones

that got caught up in the whole real estate fiasco that happened. I was looking and realizing I didn't have anything saved, nothing for my kids. And so I went out and bought four houses with no money down for each kid. Where are you today, Terry? How are you doing today? I'm outside California. I mean, sorry, outside Fresno, California. How are you doing financially today? Right now, I am doing really well.

Good. How much money you got? I got altogether about, let's see, and that is what my question is about, but I've got about $500,000. $500,000, and you started with $650. I'm so proud of you. Well done. Thank you, and I credit you for that. Well, I didn't do it.

You did it. You took personal responsibility. Well, you know, thank you. Thank you. So how can I help today? What's the deal? Well, so the question is that, you know, I've, so I'm getting close to retirement. And I've been, because I got started late, I've been aggressively pushing, you know, aggressively investing.

And I have all these different accounts. And so my question is, how do I manage all these retirement accounts? Should I consolidate them? I'm just looking at advice for what's next because I've built this. How many different accounts? So I have one, two, three, four. I'm going to have five within the next couple of months, but I have four now. Okay.

Well, let's pretend I hired you and I said I'm going to pay you $50,000 a year to watch five accounts. Okay. You could do that if i anybody that can go anybody that can go from six hundred fifty dollars to five hundred thousand dollars can watch five accounts if i was willing to pay you fifty thousand dollars a year to do it and by the way that's the income that five hundred thousand dollars ought to be producing for you is around fifty thousand dollars a year and. And so, give or take, I mean, somewhere in that range. And so that's what it's paying you to manage them.

But you have to make them behave. You have to crack the whip on those dollars. Make every one of them behave. And if you want some help and some guidance, it's not a babysitter, you're the babysitter. You're the one that took control of your life and you're the one that will manage your life. But if you want some help and some guidance and some advice to go with it, sitter. You're the one that took control of your life and you're the one that will manage your life.

But if you want some help and some guidance and some advice to go with it, then get with one of our SmartVestor pros and you can roll them all over to their care and you look over their shoulder or they look over your shoulder, whichever way you want to call this. But either way, you are still responsible. The good news is it's only five accounts, not 50. And someone that can go from $650,000 to $500,000 can manage five accounts. You can watch them. It takes 10 minutes a day. I mean, you can do this. Or less. Not that you need to look at them every day, by the way.

So I'm so proud of you. Very, very well done. Thank you for calling. Check SmartVestorPro at DaveRamsey.com if you want some help. But I think you can do it. Today's question comes from Stacy in Texas 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 possible deal. Stacy says, I'm engaged to a 43-year-old man who has two children. He does not own a home. He's making payments on his 2019 truck. I'm 29 and graduating with my master's degree in May. No debt, no kids, and over $100,000 in savings. He pays almost 30% of his income for child support insurance, leaving roughly 70% for our new marriage.

I'm bringing in 100% of my income to the table, and I'd like to draw some boundaries with money since I refuse to pay for his kids. We won't have children when we're married. I'm trying to protect my assets and ensure they go to my children and husband if something were to happen to me. How can I set boundaries with funds for his children and protecting the future family we would like to create together? Stacy, you guys need pre-marriage counseling.

You don't need to get married. You need to put the marriage on hold until you get some pre-marriage counseling. Because, honey, if you are already upset about his kids that come with the package, 15 years from now, you're going to be an extremely bitter and pissed off old woman angry about his kids beyond belief it's not going to get anything but worse instead

if you're going to marry a man who has children you need to be ready to love his children as much as you're going to love your future children if you're not in that place or can't get your head in that place, don't marry him, please. You're not going to be a blessing to him, to yourself, or to those children for sure. You already resent them. It's dripping off of these words. And I know you didn't mean to, but you just said it real clearly. You tried to hide it, but you didn't even try.

You didn't even try that hard. It's all right there. So please, you guys get some pre-marriage counseling, and please do not get married until you can solve the position of his children in your heart. Because his children have to be taken care of. The man that you love and you want to spend your life with has a prime, primo responsibility. And he loves them. And if you want to be mad about them, you're going to be in trouble. You're going to be trouble for him.

And this is not a good marriage. You're about to make a mistake. Until you can get your heart right about these kids. No, you should not enter into something where you have to be protected from other people inside the marriage. That's not how marriage works, honey. So, no, please, don't get married until you get this solved. And when you get it solved, it's going to sound like I don't need protection because I love everyone in this mess so much that they can have my money. That's called family.

And until you're ready to make one of those, don't get married. This is The Ramsey Show. have a friend or family member that needs a daily dose of ramsey advice in their life let them know about the ramsey call of the day podcast it's a quick hit of advice about life and money in under 10 minutes check out the ramsey call of the day podcast wherever you listen to podcasts