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Live from the headquarters of Ramsey Solutions,
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do work that they love, and create actual amazing relationships.
Dr. John Deloney, number one best-selling author of the book
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and host of the Dr. John Deloney Show on the Ramsey Network's podcast,
very popular show on relationships and mental health,
is my co-host today.
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Linda is with us in Roanoke, Virginia.
Hi, Linda.
Welcome to The Ramsey Show.
Thank you for having me.
Sure.
What's up?
Okay.
So I am currently 64 years old, so is my husband.
I make about $115.
My husband makes about $45, and we still owe $180 on our house,
and he is not on board with paying the house off.
He loves that.
Evidently, he just does not want to pay the house off. And I've kind of tried to put my foot down
and say, you know, when we retire, we're not going to have a house payment because we're going to
have to sell it in downsize. Well, he's definitely not on board with that. And I don't really know how to get them on board. And I did listen to one of
your podcasts and, um, where the conversation was about somebody not being on board. And I think,
um, the one he said, this is not a finance problem. This is a marriage problem. And I think
that's probably a lot closer than anything. I'm sorry. How long y'all been married?
29 years. How much have you gotten your retirement accounts? My retirement is about, my 401 is probably about 175.
I have a thousand dollars in my emergency fund. I have two rental properties that I'm in the
process of paying off. I just paid off two of our cars. What are the rental properties worth? Together, about $200,000.
And what's your home worth? My home worth
right now, it's worth $180,000. And you owe $180,000?
Yes, we owe $180,000. And it's worth $180,000?
Well, no. We owe $180,000. It's probably worth about
$400,000. Oh, okay.
That makes more sense.
Okay.
Yeah, it's worth about $400.
And does your husband have any money investments at all?
No.
And he doesn't participate in any of my rental properties either.
Yeah, you got a pretty significant challenge going on in your marriage.
Yes.
That's what I was thinking. Even, even the
language that you're using, my rental properties, his stuff doesn't do anything. Um, yeah. Y'all,
y'all got yourselves a, uh, a mess. Why won't he, how long has he not participated? Um, have you,
have y'all been living separate lives? Well, we have, we, we separate lives well we have we we put money we have
separate accounts and we have a house account our house account goes for all of the things that we
use groceries all the bills and then we have a savings account that we put money into to go for
anything major like fixes and and water heaters or whatever we need to put put that's exactly
it's exactly the situation i had set up with Buddy and Craig,
my two college roommates.
That's not a wife or a husband.
That's not a marriage.
That's a couple of dudes who are...
That's a couple of roommates.
This is probably true. How long has this
been going on? 29 years.
29 years.
Yeah.
So when I bought the first rental property, he did not want any part of it.
I sell real estate on the side also, besides being a nurse.
And so he didn't want any part of that one.
And so I've just been renting it.
I only owe $12,000 on it, so I'm getting ready to pay it off next.
And then I bought another property.
My daughter-in-law,law who had cancer was living in a
horrible situation. So I went ahead and bought a house for her to live in, um, which is right
near me. So I could kind of help take care of her. And that property is probably, I owe about
62 on that one. And I'm hoping to get that paid because i'm snowballing everything wow um i'm not sure exactly what to tell you linda this is so painful um
hey you guys are so disconnected it's almost as if um your little brother who had a mental
disability was living with you and you go and do everything in spite of him
um with a you know because he's not he's not on board with rental property i did it anyway
he's not on board with taking care of the kid uh that had cancer but i did it anyway and he's not
on board with this but i did it anyway he's not on board with saving money but i did it anyway
and and and i'm the only one that has any assets but i did it anyway and he makes a fourth of what you make and he did it anyway
and and yet you guys split the mustard in the refrigerator i don't i just i don't know what
to do with this except tell you beg you guys to but guess what this is not going to work because
i mean you know tell you to go see a marriage counselor but guess what he he's not on board
he's not going to do that. What is he on board with?
What does he like?
He likes his comfy job, and he likes just living the way he lives.
What does that mean?
Well, I mean, he goes to work.
He comes home.
He goes to play golf whenever he gets a chance.
That's pretty much it.
Here's,
oh man,
this is going to be
an umpire person
that's going to get me
in trouble with the internet
and that's fine.
Here's what you have to decide.
Am I going to,
it's been this way
for 30 years
and this is going to be
this way for another 30 years.
And I'm going to keep
plugging along
and doing my thing
and I'm going to, I'm going to head on along and doing my thing. And I'm going to,
I'm going to head on down the road because this is the life that I walked into
or I'm going to cause a ruckus in my living room.
Turn on the lights.
And I'm going to say,
this ends today.
I hope you will come with me.
I'm going to a marriage counselor.
Right.
And as a part of going to a marriage counselor,
I'm going to learn that I have value
and partnership
and I can't do all this
by myself
and I can't keep dragging you
and I can't,
you can't keep using me
as your bank
and you can't keep using me
as your sugar mama.
I need a husband.
I don't need another child.
And that might mean
that I'm out.
That might mean
I'm whatever.
But I think you have to make that decision for yourself.
And if you decide this is the life I got, it's annoying, but it is what it is, make peace with
it and move on down the road. Yeah. In which case, you're probably selling your two rental
properties to pay off your home. Because if he won't sign the deed, you can't sell that home.
And you have $180,000 and you don't have $180,000 to pay it off.
You have $175,000 in your 401K,
and I guess he's going to retire and eat out of your retirement
because he doesn't have any retirement, and you do.
And I guess the rental properties that you're going to sell to pay off your residence,
if you attempt to make peace with it it's going to
continue to have um poor results in your finances um because you're going to have to work around
him again and in order to do that you can't sell the house so i've got to pay it off and can't pay
it off with your retirement because you don't have any have enough so those i guess those rental properties are going to be sold you're going to pay it off if you stay in this but i i wish i had
found you um 28 years ago i would have had you i would have um highly encouraged you to go to a
marriage counselor and deal with this i don't think you're going to do that now because i think if you
were going to do that you would have done it a long time ago. This is The Ramsey Show.
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slash budget. That's chministries.org slash budget. org slash budgets dr john deloney ramsey personality is my co-host today open phones at
888-825-5225 all right john um i can't leave that one alone that one's bothering me uh that one
being if you were with us in the last segment lady married 29 years she and her husband never been on the same page on money and for that matter on life um so i i can't i don't feel like i can help her i feel like she's so far in that she's probably
going to stay in that suit right uh but but what i would tell you is this if you're listening and
and john you can throw in you know whatever you whether you agree or not and so forth. But we have an inordinate number of people in their 20s listening to the show
and watching this YouTube and watching us on television and so forth.
If you are considering entering into a marriage, a lifelong commitment with someone, and you don't first make sure that you're in agreement
and going to commit to stay and adjust in agreement on the subject of money,
in-laws, because there's crazy in one of your families or both your family,
kids, how many to have, how to treat them,
are the inmates going to run the asylum or what, and religion.
These are the four things that the data tells us.
If you're in agreement on these four things before you're married,
you have an inordinate probability, I mean like 90 percentile probability,
of staying married happily through your life.
But people that are not in agreement on religion, in-laws, kids, and money live desperate, weird,
toxic lives and are ineffective at all four of those areas.
They're ineffective in their spiritual walk.
They're ineffective with their money and wealth building.
They're ineffective parents.
And they're even ineffective family members to their extended family because they're not in agreement.
I'm going to help my mama even if you don't want me to.
They're not in agreement.
And you live your life in angst because you don't have alignment
on these basic things.
Please, for God's sake, don't call it love to marry someone that you are not aligned with like that.
It's not love.
It's drugs.
It's alcohol.
It's something.
It's permanent roommate-ness.
It's lust.
But you're going to end up with a roommate that you don't like.
I think beneath those four things is equally important.
Because I'm thinking about this.
On all four issues, my wife and I were aligned, and we are different on probably three of the four,
maybe four of the four, this 21 years later.
I think being in alignment out the gate and equally important, being aligned with how are we going to act,
what's our process for when we get cross? Because you will get cross. I help mom i don't want to help your mom all right now the alignment is do you just do what you're going to do how do we yeah how do we lay
how do we set this problem in front of us we tackle it together and you got to have a plan to go
forward in that last call i don't want you i don't want you retiring i don't want to downsize i don't
want to do this i don't do this i just want to play golf and you make three times what i make so i'm just going
to take the money and we're going to put all in the same pot man that's a dude that's cashed out
right that's a guy that there was no alignment not only on issues but on how do we actually
solve problems when they pop up in our marriage and they pop up in every marriage yeah if you're
listening to this show and you're 24 and you're, and you're 24, and you're dating,
and you don't take a clue from how miserable that lady is,
that's what we want you to do.
That's why we're coming back to this,
is we go, you know, you have got to make this a priority.
It's not a business transaction.
It's a values transaction.
Because when you can agree on your money,
you've agreed on your dreams, you've agreed on your fears, you've agreed on your life. And when when you can agree on your money, you've agreed on your dreams.
You've agreed on your fears.
You've agreed on your life.
And when you can't agree on your money, you're not agreeing on the basics of life.
And you won't sleep.
And you will not ever have peace.
Not by yourself.
Not with your friends.
Not with anybody.
It haunts you.
It haunts you.
It increases the likelihood of addictions.
It increases the likelihood of sexual dysfunction in the marriage.
It increases all of this.
Okay?
So these things are so intricately tied together that you guys have got to be grownups.
Quit.
You know, this is not a Hallmark movie, doofus.
It's your life.
On my show, people call in and they're so nervous.
If I say what I need out loud he might leave and
my response is always well good you deserve more than that and i know you're going to be lonely
and i know it's scary and i know it's frustrating and uh there's a great comedian he said the worst
part about breaking up long-term relationships is um there's no there's no equity rollover
you can't tell your your new your uh it's michael che you can't tell your your your new girlfriend
hey i went to her wedding her sister's wedding i ain't going to this one like i get to carry that
you don't get to carry you gotta start over again i get that it's all it's terrible and
the alternative is you spend the next 30 years looking at your bank account so scared to death
you can't breathe and you look over there and there's this lump on a couch getting his golf shoes on. For God's sakes, if you look up and you're completely misaligned,
you're going to end up liking them.
They're not going to end up liking you at the end of the story.
You're going to resent them.
You might as well just call it now.
Yeah.
I mean early and before you end up in marriage, before you, you know, so please, folks.
And for those of you that have got young marriages, you know, you've been married two or three years and you're struggling to get to get aligned on these things.
Go sit down with a marriage counselor.
You know, it forgot.
For God's sakes, if you want to lose weight and, you know, become fit, you would hire a personal trainer.
So why can't you hire a marriage trainer? Or if your breath smells bad, you go to the weight and become fit, you would hire a personal trainer.
So why can't you hire a marriage trainer?
Or if your breath smells bad, you go to the dentist, a professional.
So why can't you hire a marriage trainer?
Maybe a good start for that has come to the Marriage and Money Weekend that we're doing with John Deloney and Rachel Cruz.
That's coming up in October.
I'm looking around here trying to figure out the date.
But, yeah, that's 19 through 21.
Thank you.
I'm trying to grab the cheat sheet so I'll get my act together here.
But, yeah, okay, 19 through 21 here in Nashville. It'll be at the Ramsey Event Center.
I didn't even think about that.
But you could come do that weekend.
That weekend's going to be pretty intense.
I think ultimately, in fact, I was doing a podcast earlier today.
Should somebody do that weekend as a pre-marriage thing you could you could and here's why because
you're going to be surrounded by people who've been married for 25 years and for 15 years and
so you're going to get to see some couples down the road and i think when people catch them at
the break and have a cup of coffee yeah that's right or you can listen to the but the challenge
the content's not inappropriate for a pre-marriage. No, goodness. No, no, no.
If you said I do, come on in.
Okay.
Or you're about to.
That's right.
But I think at the end of the day,
avoidance cannot be a strategy.
It can't.
Avoidance when you're dating.
Avoidance, I'm just not going to look at my budget.
Well, the thing I always think about when he says,
and Dr. Les Perret says,
when you have these strong feelings about something and you bury them, they have a high rate of resurrection.
They will show up.
They'll pop back out.
And they come back out in the most inopportune ways, the most inopportune moments.
And it takes another five years of therapy to figure out why they're coming out sideways.
And why you're yelling at your kid when actually it's a decision back decision back over here whatever the thing is but yeah absolutely yeah so please folks please do not move forward in these relationships if you're sitting there in your a three-year in a three-year marriage um
you know how cause a ruckus i'm not going to tell you what john says i i do not i'm not going to
tell you to go with the possibility of make peace with it.
Don't make peace with it.
You've been there for three years.
Raise hell.
Get in a marriage counselor's office.
Raise hell about it.
We're going to get on the same page, or I'm going to –
everybody's going to be miserable,
and I'm going to be the cause until we get on the same page.
This is not okay.
I'm not going to live like this. this the worm has turned cause a ruckus
get in there and do the work and figure this out and find your voice and you know you can be as
loud or whatever you don't need to be loud but i mean you can be as bold or raw as you want to be
but cause a ruckus it's worth it because it's the only method to get to
healing. And let me make this statement to my fellow gentlemen out there. You can cheat on
your wife with a golf club and you can commit infidelity with your job. And so this idea that,
well, I'm all good. I'm following the rules. I don't participate. I don't do nothing. That's
cheating. That is cashing out. Yeah.'t participate. I don't do nothing. That's cheating.
That is cashing out.
It's leaving your wife even though you're sleeping in the same house. It's a manhood crisis.
The wussification of America.
You're acting like a little boy instead of a man.
Throw your shoulders back and serve your family, you self-centered twerp.
This is the Ramsey Show.
Dr. John Deloney, Ramsey personality, is my co-host today.
Hi, guys.
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all right today's question comes from ryan in virginia ryan writes i have some friends that
are trying to achieve financial freedom through retailing mlm products online and networking with
other mlm multi-level marketing retailers they are are a very sweet, very sincere, but seemingly very
innocent couple. I think you mean innocent as in... Naive. Naive. The wife does take on occasional
outside work currently, but I wonder how much of her income is absorbed back into trying to
make their MLM business work. I haven't yet asked them what their net annual income is from the MLM.
They've been at it for two years. They have to keep track of actual hours put into their business,
what's an hourly wage, et cetera. But before I i do i want to ask if mlms are still the shady
barely legal pyramid schemish companies they used to be or what your views on mlms are i haven't
found much good said about them online what do you think about them and what might you suggest
in way of having a conversation with my friends about it?
Federal Trade Commission says that 99% of the people that join an MLM lose money.
That's a staggering statistic.
It's hard to actually believe.
I'm not sure I do believe it.
The AARP did a different study that came with different numbers, came with different results. results so haven't looked into the methodologies on the studies to tell you but they say that
um 27 of the people that join an mlm actually make a profit um and that 70 you know whatever
the balance is 73 lose money uh not quite as as harsh as the FTC number,
but I think if you've just got good walking around since
and you've got a few decades under your belt,
we can all agree that the vast majority of people
that start in an MLM do not make money.
They lose money, whether it's well in excess of half.
There's a high probability that this couple,
statistically speaking, has actually lost money and has made no money for the hours they've invested so
um and that's just a observation that's not actually a moral statement it's not an ethic
statement i'm not saying whatever what did he say here barely legal pyramid schemish that's i'm not
saying any of that the bottom line is just the people that get in generally don't make it um and so it generally makes the top five percent of the people in the
thing uh they make all their money off of recruiting and uh people buying the kits that
uh or whatever it is they buy when they become a recruit and you know or sign up for the licensing
or whatever it is they have to do and and the uplines make money on that.
Or they go sell what, you know, the methodology,
generally what happens is life insurance companies do the same thing.
They hire someone young and inexperienced with absolutely very little belief
that that person is going to be with them for 10 years,
but they use them to get to their closest circle of friends, their Uncle John and their Grandpa Dave.
And they use them to get an appointment because they couldn't get in to see John or Dave,
but when the nephew calls up that's just out of college and he's 24,
we'll let them come over because he's in training with his boss.
And so they'll come over and pitch you life insurance.
It's called working your natural market.
But when they use up the person's call list of what they call their natural market, the people that they actually have credibility with,
then they've run their course and the person can't make money.
And so 80% of the people that join the life insurance world to sell life insurance are out of the business in one year.
And that's not a multi-level thing.
It's life insurance.
But it's the same concept here.
They work your natural market.
So they recruit someone and then you take them to mom and daddy,
you take them to your brother, you take them to your high school friend
who will let you in the door,
but they wouldn't let anybody else in the door otherwise.
And you recruit them or you sell them makeup or whatever it is you're going to sell them,
whatever the multilevel is doing, right?
And so I do personally know a handful of people that have made seven figures in that world.
I know another guy who used to speak for him all the time
got so disillusioned with the fact they were making more money selling books to the motivational
books and tapes to their audience than they were running the actual business the business was like
a seminar business behind the scenes and he he was part of it because he's one of the speakers
and he got so disillusioned with that he quit he wouldn't speak for me anymore and he's a professional speaker and author to this day
and you'd know his name if i named it but he won't he won't work with him anymore but he
worked with him for years he was very well known in their ranks um and so all of that to say um
if you tell me you're in an mlm because it's a great part-time job i'll tell you statistically
you're a fool if you tell me you're in an MLM
because you want to grow a large sales organization and you have a skill set that helps you to become
a sales manager to a hundred or to a thousand people or a hundred people that have a hundred
people that have a hundred people, I'm going to tell you you might get rich. You might be one of
the handful that makes a ton of money. But in in the meantime the people that join are inordinately bothersome to the rest of us
you hate to see them coming don't you it can be pretty tough it can be pretty tough
oh you're gonna be nice about this aren't you well it can be real tough um i always appreciate
the young kids when they're hustling and
trying to sell me cutco or something that's it cutco runs the exact same model too not multi-level
but they run the work the natural market yeah i mean i always appreciated some this yeah they
get their dad so i got a lot of their dad gum knives because sharon won't keep them out of my
house but i think one of the most bother them. They're actually great knives. Yeah, they're incredible knives. Bothersome things about this question is that if Ryan was sitting with me,
the guy who wrote in and asked this question, I would say,
hey, have they ever even asked you your opinion?
Yeah, there's that.
Because this guy sounds like he's spending a ton of time.
He's already made up his mind.
Wondering what their finances are like and whether they're
making the right decisions whether they're doing what they're like man you don't get a vote unless
they ask you in and so if they ask you in then you can give your opinion but and it doesn't sound
like they're asking you in it sounds like you're just waiting for a chance to say hey what you're
doing is wrong and evil and bad and you're going to lose money and what are you doing yeah that's
true yeah you're those convinced against their will are of the same opinion still and talking someone that's in an mlm
out of being in one is about like trying to get somebody that loves crypto to not buy crypto or
to argue somebody out of their religious stance this is not going to work or who they vote for
i mean trump has caused all kinds of problems climate change everything else well people that
hate trump hate him for for things he never even did it's amazing everyone hates every politician
for things they never even did that's true i saw a great one the other day it was uh it was
like a library and obama was sitting at a table and he had a chocolate chip cookie and a glass
of milk and he picked it up and the chocolate chip cookie was way too big and he tried to dip it in the milk and he got all mad and he goes thanks obama yeah everybody blames
everybody for everything all the time he blames himself as long as it's somebody else right
so i i just i'm with you i'm with you yeah so yeah i agree with john in that sense ryan
mind your own business it's not your problem yeah Yeah. Let's ask. But what do we think about MLMs?
In general, I'm not mad at them.
If you want to go do one, be prepared to be a recruiter and a sales trainer
and be prepared to manage a high turnover organization.
And if you want to do that and that's your call,
you have a chance of making this into a career and making money.
None of them are good part-time jobs, statistically.
And so you can do a lot better things on your side hustle.
This is The Ramsey Show.
Dr. John Deloney, Ramsey Personality, is my co-host today.
Thank you for joining us.
Open phones at 888-825-5225.
Rachel is with us in South Bend, Indiana.
Hi, Rachel.
Welcome to the Ramsey Show.
Hi.
Thanks for taking my call.
Sure.
Me and my husband, we are 41 years old.
We've been married for 21 years.
We're on baby steps four, five, and six.
Perfect. We still, yeah, we still really like each other. We have two school age kids. And yes,
yesterday we argued about the temperature on the thermostat. It was a little cold.
Um, so we, um, I work about six days a month and my husband works about nine days a month.
We enjoy our days off together.
I work as a nurse practitioner in the emergency department, and he's a firefighter paramedic.
My question is, being where we are, we are paying more on our mortgage.
In the last five years, we've lost about seven friends on the fire department,
with the oldest one being 54.
I'm not super emotional, but some of those losses were very close.
Firefighters aren't known for their longevity in their health just because of the person
they're exposed to.
My question is, I feel I almost need permission from my dad and my brother here to say it's
okay to be intentional for a season and enjoy life. We're
not going crazy. We stick to our budget. You know, I did go over $10 on dining this month,
but the new budget starts tomorrow. So I guess I know that I'm, as my husband jokes with me that I'm worth so much more. It's a joke.
But I feel bad sometimes knowing that I could bring in more income
and bring in more wealth, but at the same time,
balancing enjoying the life and the season that we have.
To be very clear, with the current hours that you're working
is what you would like to work.
You just don't want to feel guilty about them.
And during the number of hours that the two of you are working now, you're able to fund your retirement, put money aside for kids college and baby step five and pay extra on your mortgage.
Did I understand that correctly?
Correct. that correctly correct okay so your only question is do we accelerate our net worth increase
accelerate our wealth building by working more and we don't really want to right now is that
your question that is my question it's almost like i feel like you do not need to feel guilty at all
okay okay you're because what we tell folks to do is exactly what you're doing be very intense
sell everything sacrifice everything to get out of debt build an emergency fund that's baby steps
one two and three and then when you get to here you're supposed to go from intense as you mentioned
to intentional and by being intentional with the income that you have you are living very
responsibly.
And by the way, you're going to become wealthy.
It's just going to take you a little longer.
Oh, and by the way, you probably will gear up your hours later when different things happen in your life.
Right.
And I want to when my kids are both in high school.
I'm like, okay, then I can work eight to ten days at last.
And that's, you know, but nobody says you have to. So, no, what you're saying is you feel like the tradeoff is fair for the hours versus the quality of life right now.
And within the confines of, again, saying it one more time, being responsible, and you're already doing all of that.
The only question is, do we want more wealth faster?
And right now, the tradeoff's not worth it to us.
That's our intentional decision. I think it's's wonderful it's what we teach you to do okay
great hey rachel needed that yeah can i ask you a question sure um
there's something else here is that fair
or let me ask you i'll just be more direct. Who's pushing this?
Do you want your husband to not be a firefighter anymore?
No, he loves it.
That's not what I asked you.
No, I don't.
He said, like, I really love, like, he loves it.
And I love him being a firefighter.
I love that we speak the same language.
When he comes home and has a hard day at work, I know what it's like.
I know what it's like in the er to lose a kid on a job and i love that he understood like it is just
like we both truly love our jobs um and we joke that maybe we love it so much because we're not
slaughtered and burned out by it um but no i oh I can't imagine him being anything else.
I truly love him being a firefighter.
I mean, yes, I think about at times like,
oh man, I hope he doesn't die in a fire.
But man, he's always like,
if I'm fighting a fire and then I meet my savior,
then I'm a millionaire.
That's what he tells me.
Yeah, and that sounds good.
I mean, that sentiment sounds good and that hug feels nice but like you said you have you have a ringside seat
you've seen what it's like when there's um a wife leaning over um a bed in hospital and he's gone
you've been there and you've imagined yourself in that seat the here's why i'm asking that
because what you're the guilt you're feeling is trusting your instincts.
You're trusting yourself.
And we often lose trust in ourselves when we're living in a chaotic system.
And we are in chaotic systems when either, A, we're doing what y'all are doing.
Y'all are both first responders, and that's just the nature of the beast.
Front side seat to trauma every day.
Yeah, you are secondary trauma package.
You have the front row seat there um or you haven't fully come out and said hey this this your job is killing me
and if that's not the case i don't put that out in the universe that's awesome then that tells me
that you're doing what y'all need to do to stay sane and well and good and i'm gonna high five
you as one of the bravest couples you can because it's real easy to look at that dollar amount and go chase it versus i want to um make sure that we are filling up our picture so that
when we go all in helping these people because that's what we were put on earth to do we are
fully ready to rock and roll yeah and and for the person out there that's listening that wants to
use this conversation as an excuse to uh i i just i want to be intentional and i'm going to
intentionally go into debt and i'm going to intentionally go into debt and i'm
going to intentionally not meet my budget that's not who what we're talking about rachel and her
husband are making their budget they're making they're putting money into retirement they're
paying extra on their mortgage they're being responsible the only question is how fast do
we do more that is a different conversation than we're just freaking using the quality of life.
I'm worried about quality of life.
When somebody says that, I generally translate that as lazy.
That's because your heart is small.
That's right.
And shriveled.
That's it.
And the Grinch.
The Grinch.
The money Grinch.
That's me.
Yeah.
And.
No, I think there's time for i think there's
times for sacrifice and i think on both sides of the fence yeah but i think they're not oh too
i think there's sacrifices all across the board but i also she she's not that she's not she's not
in in the sacrifice mode doesn't need to be uh and she's not lazy and she's not any of that so
she's not irresponsible i i'm completely on board with she's in the guilt industrial complex where uh they will find a way to make you feel guilty about
taking care of yourself and your family yeah and she did say something about her father and her
brother questioning their choice or something but they don't get a vote nope they don't get
about so that's how that works yeah so here's the weird thing you wouldn't intentionally
do something that's irresponsible those are those
you know what happens there is someone's justifying they're rationalizing they're going
you know we've heard it actually twice in the last two hours i was forced we said that you know
bought a car it was an emergency i had to no you didn't it was a thirty thousand dollar car you
have to do that you know it's you don't have to do that you weren't. It was a $30,000 car. You didn't have to do that. You don't have to do that. You weren't forced to buy a car.
That's dumb.
But what happens is you build up the drama and the hyperbole in your head.
That's not intentionality.
That's just drama and hyperbole.
It's reactive.
And it's immaturity.
And it's impulsive, whether you're 56 or whether you're 26.
You're being a child.
And you're using the fact that well it was uh i had several
unfortunate things happen well welcome to walking around most of us do you know but generally that
that word unfortunate it's like enforced and it was an emergency and i was trapped and there's
this fatalistic thing that goes around all that you know that's not intentional intentional is
we we can see
things coming we have a little bit of vision out there for the future we know we're going to retire
so we need to set some money for retirement these kids are aging out so we need some money for their
college you know we're going to have to buy a car because this one's on its last legs when you start
saving for that that's intentional and responsible because most of this stuff really does not sneak up on you people
by the way they just announced it this year the last week christmas this year is in december no
no it's coming it'll be here in just a minute yeah don't let it sneak up on you why does christmas
sneak up on people it's all right you know or the millions of people october 15th that will
what we'll say wait what what? Our loans are due?
Our student loans?
What?
Student loans?
Even the government came out ahead of time.
What?
This is the Ramsey Show.
Dave here.
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