The Ramsey Show - App - DELIVER YOURSELF! Don't Be Normal. Weird Is Working! (Hour 3)

Episode Date: March 6, 2019

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Music Music 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 am Dave Ramsey, your host. Thank you for joining us. Open phones at 888-825-5225. That's 888-825-5225.

Ken is with us in Birmingham starting off this hour. Hey, Ken, welcome to the Dave Ramsey Show. Thank you, Dave. How are you today? Better than I deserve. What's up? Thank you for taking our call. My wife, Juan, and I are both on the phone here, and we had a question in regards to paying off a zero-interest car loan

versus paying off the mortgage early first. I'd always pay off the car first. Even though it's zero interest? Interest has nothing to do with it. Cars go down in value and consumer debt's stupid. I forget my wife chucking in the back. I think I know who just won the argument. Yeah, I was getting the impression that nothing would just pay down the mortgage.

Here's the thing. Here's the thing. The interest rate between 0% and 3% or 4% on your mortgage is irrelevant. This is a behavior modification thing, and it's this thing of saying, we're going to clean up consumer debt. We're never borrowing again. Right. And you've got to get that car behind you.

How much do you owe in your car uh at least 38 000 nice car what's your household income uh about 130 good good okay yeah and so how much debt have you paid off so far oh not a whole lot okay we have we have quite a bit of debt we've we actually did your program 14 years ago before we got married, and we didn't stay disciplined enough to stay through it, so now we're starting it over again after 14 years. Yeah, and this is your car, isn't it, Ken? No, it's not.

No! It's Mama's car. Uh-oh. Yes. It's my car. Okay, so $130,000 in debt. How much, I mean, $130,000 income. How much debt, not counting the house, including the car?

Probably around $40,000. Oh, so it's almost all car? Well, not counting the car, but $78,000. Okay, $78,000. All right, so 18 months, you're debt-free. So if you want to keep the car, you can keep it, but obviously it's half your debt. And so you could move out of the car and be out of debt a lot faster, but that's up to you. I don't care.

Do you love the car? I do. Okay. Are you all willing to buckle down and knock it out and be debt-free other than the house in less than two years? Yes, after vacation, I promise. After vacation? You lost that one. Now I'm chuckling.

Now we got one and one. Okay, we got a tiebreaker now. We got to have a tiebreaker. Yeah. This turned into a counseling session. I don't know if I can help you two or not. You're fun, but you're an accident looking for a place to happen oh you guys know what to do and you're both unwilling to do it you're gonna have to really

think about that but i'll say all kidding and joking and chuckling aside you both know what to do and neither one of you are willing to do it you're trying to ish stuff and you did it right before and then you fell off the wagon and then you're calling me up to modify the freaking wagon in both cases don't do this guys you're not you're gonna have ish results when you do ish when you ish things i'm gonna do the program ish i'm gonna do financial peace financial piece-ish. And you're going to get-ish results. I'm going to partially do the nutrition plan that my personal trainer who has a six-pack is telling me to do. And I have a keg. Okay?

You can't partially do crap. You don't get the results. It's exponential. So you guys got to decide it's fun to talk to you i appreciate you calling not picking on you but i want you to win thanks for the call so i'm picking on you all right ali is with me in memphis hey ali welcome to the dave ramsey show hey thank you for having me sure what's up um so i was wondering what your take was if you have one on where you draw the line and say the salary or quality of the career you're pursuing is no longer outweighing the student loan.

So, for example, I'm in OT school in Tennessee, and my total in student loans when I graduate will be around $55,000. And that's for undergrad and grad school. The starting salary for me is around $70,000 in Tennessee. But a friend of mine just graduated from pharmacy school with around $320,000 in student loans, and her average income will be around $120,000. So I was wondering if you had a line just kind of where you draw it between how many student loans you're taking out and how much you'll be making. In another country that you two don't live in is where I would draw the line. Okay.

You're completely off the map, okay? I don't tell people to borrow student loans for anything. There is no ROI that justifies student loans. Because let me tell you what happens to a stupid pharmacy student who goes $300,000 in debt to become a pharmacist. They get halfway through and they flunk out. They got $210,000 worth of student loan debt and no job. What happens to you if you flunk out halfway through?

Or what happens to you if you're in a car wreck or your mother gets cancer and you have to quit and go home? Yes, sir. You got a mess on your hands. And so this crap of borrowing these student loans, thinking it's all going to work out, only works out if it's going to work out. There's only one way this works out is if it works out perfect, and life never works out perfect. That's why we have a student loan crisis in this culture. Because everyone sits down and says, well, I can make my money back in this.

So the way to answer a question, the way i can address your question is without the student loan part of it and say i'm willing to spend how much to get this degree now i think a pharmacy degree is a fine degree and i think an ot degree is a fine degree i think it's a fine field of study it'll be rewarding financially and in person you'll be able to help people i think i'm glad you're studying that i'm sick that you're going this far in debt for it so but if you said okay i'm going to spend x number of dollars to start out at seventy thousand dollars a year or i'm going to spend y number of dollars to start out at uh 120 000 a year which is what a pharmacy student typically will start out at coming out. Okay. Or I'm going to spend Z number of dollars and start out as an MD making one, one and

a half to two 10, depending on area of specialization, or I'm going to get a logistics degree in business, a supply chain degree in business, and I'm going to come out, make an 80 or whatever. So education has a actual value in the marketplace and so i believe in education as long as it has a value as long as it can be applied in the marketplace but i'm not going to tell you to go into debt to do any of it ever the borrower slave to the lender and you're gonna you know the 30 year old you is gonna be pissed off at the 24 year old you for doing this. You're going to be in a mess, especially these $300,000 debt on a pharmacy degree.

So it's a theoretical discussion that you and your friend are having because you're already neck deep in it. But yes, education provides an ROI. None of it provides a big enough ROI to justify student loan debt. You find a way to work it. You get scholarships. You work jobs. You live on nothing. You bust it.

You kick it. You go to the cheapest school possible because no one ever asks a doctor or a lawyer where they graduated from. This is the Dave Ramsey Show. There's nothing smart about smartphones if your wireless plan is blowing your budget each month. Pure Talk USA offers smarter wireless with unlimited plans starting as low as $20 per month. You never pay data overage fees, and we never turn off your data. No contracts, no hidden fees, and if you're thinking our low cost means less coverage, think again. Our voice and data service covers 99% of Americans, and our 4G LTE network provides the fastest internet speeds like more expensive carriers we operate on the largest

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You can download episodes for offline playback. You can see what guests are going to be on the show in the future. And if you have to stop listening, it tracks your progress, so you can pick up right where you left off. So it's a little different experience than the podcast experience a little more uh robust as my that's that's kind of a cool internet term i just learned the other day so now i'm a cool internet guy so not really but it's robust yeah it's a cool process so uh easy way to stay motivated you can keep up with your 2019 money goals. So look for us in the Apple Store or on Google Play today.

It's an app, the Dave Ramsey Show app, and it's completely free. Yet one more way that we give you this show for free. Stephen is with us in Charlotte, North Carolina. Hi, Stephen. How are you? Hey, Dave. How are you? Better than I deserve.

What's up? I have a question about the debt snowball. A new listener started following your ministry about a month ago. I've got about $45,000 in debt. $9,000 of that is a loan from my father-in-law. He really helped me and my wife get out of a situation with a home that we had. And I'm paying him back at $1,000 a month. So that's eating up a lot of my cash flow.

I've got the money right now to pay him off, but it's not my smallest debt in the snowball. So what should I do? Should I pay him first and then begin working on the snowball? Is he financially hurting? I'm not. He's not financially hurting? No, he's absolutely not. Okay.

And so this is not – is the relationship strained or toxic because of this? Nope, it's not being strained at all. Okay. I just, Thanksgiving dinner tastes a little bit better whenever. I'm with you. I want you to pay it off because you don't want to owe money particularly to people that you love. That's a bad idea. So, okay, so $45,000 in debt, $ in debt 9 000 is this how many debts are in front of

it in the debt snowball um about six which are all all different student loans all little stinky student loans okay and how much do you have in savings um i've got 1010,000 right now, including the $1,000 Baby Step 1. Okay. Hmm. Okay. As long as you play all the way through. Wait a minute. What's your household income?

Before taxes, about $140,000. Okay. So you're debt-free in a year, regardless of what we do here? That's the000. Okay, so you're debt-free in a year, regardless of what we do here? That's the plan. Okay, because, I mean, $10,000 off of $45,000 gives us $35,000 that we've got to pay, and making up what you make, you can pay $35,000 in a year. Okay? Yep. So this is March, and so by this time next year, probably by Christmas, you're debt-free either way.

That's the plan. Okay. All right. And he's paid either way by Christmas. Yep. So kind of this discussion becomes irrelevant. Because it's so fast. Yeah.

You know, it's so fast. You see what I'm doing? I mean, if you want to just reach over and pay him, that's fine, and then start your debt snowball. Okay. And you're making so much money, you're going that's fine, and then start your debt snowball. Okay. And you're making so much money, you're going to plow. It's okay. Or if you want to say, I'm going to pay him $1,000 a month until I get to him on the debt snowball,

look at mathematically how fast you're going to be to him on that debt snowball. You're going to be there in four months. Wait a minute. Yeah. What's the total of the debts in front of him, the total dollar amount of the debts in front of him? Not positive. Twenty-two.

Okay. All right. There's a bunch of tiny ankle biters. Okay. Yeah. All right. There's a bunch of tiny ankle biters. Okay. Yeah, it's a bunch. All right. So if you put 10 on that, that leaves 12, and then him is 21, and you're doing this at a $3,000 a month rate, so seven months.

Yeah, it doesn't matter. You know, if it's bothering you to this point, it's okay to do it. You can skip around. But the whole thing is don't do that um lightly and i appreciate you calling me and and that means you didn't take it lightly you weren't trying to do ish okay so you weren't trying to sort of do the thing okay but um it's okay to do it the regular way just do the death snowball that's not going to be a bad thing because he's still going to get paid very, very quickly.

And you leave him at $1,000 because we're talking about a $3,000 plus per month reduction of debt. Is the schedule we're on not counting the $10,000. Okay? Yep. And so when you start adding that up, you see how quickly you're going to get to him. That's why I was trying to rattle those numbers around in my head. And when you start doing that, you're going to get to him pretty quick anyway. But I don't blame you. I once owed my father-in-law money, and he is one of the nicest men on the planet.

He is a sweet man, a good man. He never said a negative word, and it drove me bonkers. Drove me nuts. I couldn't stand it. The borrower is slave to the lender. And you're right. Thanksgiving dinner tastes different when you're eating with your master. And it was nothing toxic.

It was just kind of this hillbilly pride of mine. I wanted to clear it up. I couldn't stand it. I felt the burden of it. And it was the same kind of thing he did to help us out you know oh my gosh you know and he and he didn't need the money he was okay that wasn't the issue but that and that was 30 years ago i still remember it you can feel you can hear it in my voice right now so anyway if you want to knock it out knock it out but then

stay with your intensity keep the heat turned up with your intensity no, if you want to knock it out, knock it out, but then stay with your intensity. Keep the heat turned up with your intensity. No excuse for you not to be 100% debt-free other than your home inside of 12 months with your income-to-debt ratio, your shovel-to-hole ratio. Your shovel is the income you have versus the hole is the debt you're in. Angelina is with us in Orange County, California. Hi, Angelina. How are you? Holy smokes. Hi, Dave. I'm doing well. How are you? Better than I deserve. What's up in your world? We are. I finally got my husband on board, and we are in week five of Financial Peace University.

Whoop, whoop. And we have baby step one complete, baby step two. We've kind of started to get at some ankle biters. And then at the same time, life is kind of, it stops us, and we're curious of where to go. We have inherited my mother-in-law's home, bless her soul, but it has upwards of $600,000 of debt still against it, including IRS liens and a couple... What's it worth? About $810,000, $820,000.

So sell it. Well, that's our goal, but it's been dilapidated for about 15 years, so we're wondering if we put... No, you're not in the rehab and investment business. You're deeply in debt. And... okay. Sell it as is, and sell it as is, and sell it tomorrow.

Just as is, even if we can... Yeah. You're not in the renovation business. You're broke. Well, yeah. Life didn't happen to you. You don't have a negative life event. You have an opportunity to make more money in front of you if you invest money that you don't have into a property you didn't even know was coming. Well, we actually lived in the property for the past couple years taking care of her.

She had had a stroke. So fixing up the dilapidated thing didn't work, did it? Putting little bits into it? No. No, it didn't work. did it? Putting little bits into it? No. No, it didn't work. And what's your household income? We are now at about $140,000 to $160,000 depending on the fire season. Are you wanting to keep it?

We want to sell it, but depending on how much we get out is where we would end up for our family, for where we want to go so um no i would no i would not stop everything and go renovate a house no i would not do that so yeah i'd sell it as is i mean if you can spend a little bit of money and you know like 60 days or something make a big difference with some paint and you know five thousand ten thousand days or something make a big difference with some paint and, you know, $5,000, $10,000 or something right quick, that's fine. But no, we're not going on a year-long renovation project to try to maximize wealth when you're broken and dead. This is the Dave Ramsey Show. Dante and Angela are with us in Chicago. It says on my screen, you're debt-free. Congratulations, kiddo.

How you doing? Good. How are you, Dave? Better than I deserve. How much have you paid off? We're at $47,500. Yay. How long did this take you?

Took us about 15 months. You kicked it. And what was your household income during that time? We were about $120 to $122. What are you guys doing for a living? So I work as an assistant director for a compliance program at a university. I'm a grant administrator. Very good.

Cool. Cool. How long have you guys been married? Oh, man, a lifetime. going on nine years a lifetime what she's saying dante oh man forever this guy's been around what kind of debt was the 48 000 well we had a smartphone for $400. We had a credit card around $3,300. A personal loan for $6,200. Two student loans at a total of $12,800. And two car loans at $25,000.

You guys were just normal. Just regular. Just normal old Americans. That's right. Look at you. And then you woke up and decided to be weird. We try our best to be weird now. Yeah, normal's broke.

You don't want to be normal. Okay, congratulations. Okay, 15 months making $120 to do $48. Did you sell something? We actually didn't. We just picked what? You did. You've been on beans and rice.

Especially with two kiddos in daycare. It's pretty much just living with scorched earth, huh? Yeah, but my husband's a great cook, so those beans and rice taste delicious. Yeah, okay. Well, even though it's been a long marriage. So how long was the marriage? Seriously, how long have you been married? We've been married for nine years. Okay, so what happened 15 months ago? What was the marriage? Seriously, how long have you been married? We've been married for nine years. Okay. So what happened 15 months ago?

What was the wake-up call? Tell me your story. So we really had a long journey even before the 15 months, just trying to figure it out. Pretty normal, as you can see from the debt. But Dante came and he's like, hey, let's live on one income. And I'm thinking, like, how? How is that possible?

You know, there's just no way. And we kind of kept poking at it. Oh, is there a way that we can save more? We feel like we should be doing a little bit better financially. Just searching for that answer and trying to figure it out along the way, asking our friends, our family, you know, what are they doing? What can we do better? And I actually found you through a podcast, a different

podcast, and I've been hooked ever since. So I came home, told Dante and said, oh, how would you like to have 1200 more bucks in your pocket every month? And I know him well, so I knew he'd be excited about that idea, knew the weight of his heart about that. So I took it and said, you know what? That's how much we are paying these bills every month that we could go away with. We don't have to do that. There's another way. We can do this differently. And he said, tell me how.

All right. So you knew how to hook him, and you did a good job. I had an idea. So, Dante, you're like, I'm in. Show me what you're talking about. Tell me there's not a trick. Tell me there's not a trick to this proposal, please exactly what's the catch right so what do you tell people the key to getting out of debt is now that you did it uh for sure it's the budget that's a big factor for us we do the

budget every month you're right it takes a couple times to get on the horse and once you're on stick with it it really works and i believe in your saying transforming your mind, that's huge. If you can think differently, you can get out. That's the best way. And communication. Yeah. So Dante, transforming your mind, you mean Romans 12 too. Be not conformed

to this world, but be transformed by the renewing of your mind? That's right. Yeah. And yeah, you gotta have, because you guys decided we're not gonna be normal anymore we're gonna be transformed we're gonna be different we're gonna be weird and you need new information to do that so that's what you did good so what what did the intensity come from because you guys i'm looking at these numbers there's an intensity there's a passion in these numbers because you don't do this lightly and pull off what you guys did? You want to take that one? I would say the intensity is my goal is to retire in 10 to 12 years,

so I knew that if we just grind it out, and I look at grinding as just a duration, not a lifetime, so I felt like if we can just grind it out these next couple of years, that goal and dream could be true. So that's why we've kind of been hitting it pretty hard. Okay, so you saw a big enough reason to sacrifice, and the bigger your reason, the bigger the why, the deeper you can sacrifice in order to get to your goal.

Exactly. Yeah, you're rock stars, man. I'm proud of y'all. Well done. We appreciate it. Other than the two of you, who was your biggest cheerleader? I would say our kids. Because most of our friends, they still kind of look at us weird.

You are. What do you mean you guys don't want to go out to eat? What do you mean you don't want to go to the fair? What do you mean you don't want to go to the movies? I'm like, hey, we do want to do those things. We just can't do them right now. But in a couple years, we'll be able to go every day. Yeah.

We're going to live like no one else else so later we can live like no one else no discipline seems pleasant at the time but it yields a harvest of righteousness well done guys you paid a price to win so proud of you very very well done good job good job man that's awesome how's it feel now that you don't have any payments after nine years? You've probably never been debt-free in your whole marriage, have you? No, never. Never, not once. How does it feel now? It's awesome.

We're free. We're still getting adjusted, working on our emergency fund, hoping to finish that up soon. But we're ready. We're excited about it. We're never going back. It definitely feels weird when your direct deposit comes in and you don't have anything to pay. And it doesn't all disappear. Like, hey, did you pay that one bill?

And he's like, well, wait a minute. We don't have any bills. Life is good. That's a different kind of peace. It really is. Well, congratulations. We got a copy of Chris Hogan's book for you, The Everyday Millionaire. Everyday Millionaire's book, number one bestseller.

And, of course, that book outlines exactly the next chapter in your story to become very wealthy and outrageously generous as a part of that plan. And I'm sure you guys are going to be. So great job, guys. Very good job. Dante and Angela, Chicago, Illinois, $inois 48 000 paid off in 15 months megan 120 122 count it down let's hear a debt-free scream three two one Oh, I love it! Well done, you guys. Well done.

And in the last 15 months while they were becoming free, what were you doing? Oh, yeah, I'm talking to you. I see you right there driving on the interstate. You don't think I know you're there? What were you doing? Just going along being normal. Normal in America is 78% of Americans. That's 8 out of 10 houses on your street are living paycheck to paycheck.

Got a student loan that's been around so long you think it's a pet. You have a master card because the borrower is slave to the lender. If you're going to be a slave, you must have a master. All your money comes in, all your money goes out. The average car payment in America right now is $506 over 84 months. Were you to invest that instead of giving it to a car company from age 30 to age 65, you'd have about $5.6 million. I hope you like your car.

That's straight-up stupid. Straight-up dumb. That's normal. And you're just driving along. You know, down south we have a saying. My mama used to say this. She goes, you're just diddy-bopping along. Y'all ever heard that one?

You're just diddy-bopping along. Just wandering along like Gomer Pyle on Valium. You know, shazam, I'm broke. I sure hope the government, which is well known for its ability to handle money, will take care of me. Well, that's dumber than a rock. You have to stop that. In the last 15 months, that couple set themselves free. How do you get out of that?

If you've signed surety, my son, do this. Give no sleep to your eyes, no slumber to your eyelids. free. How do you get out of that? If you've signed surety, my son, do this. Give no sleep to your eyes, no slumber to your eyelids. Deliver yourself like a gazelle from the hand of the hunter, a bird from the hand of the fowler. Deliver yourself! I'm not going to do it for you,

but I'm going to cheer for you, and I'm going to cheer when you cross the finish line. Deliver yourself! Don't be normal! Weird is working, people. Weird is working. It's working for me.

It's working for Dante. This is the Dave Ramsey Show. We'll be right back. Our scripture of the day, Colossians 3.16. Let the word of Christ richly dwell within you, with all wisdom, teaching, and admonishing one another with psalms, hymns, spiritual songs, singing with thankfulness in your hearts to God. Margaret Wheatley said, leadership is a series of behaviors rather than a role for heroes. Our question of the day comes from blinds.com. They have a 100% satisfaction guarantee, which is weird.

Their guarantee includes if you goof up. Like if you're measuring for your window blinds and you measure wrong or you pick the wrong color which would be me i can't even dress myself well so you pick yourself with them pick the wrong color you get free samples they'll remake your window blinds for free if you goof up if you goof up not them now that's pretty cool this is an incredible company we've enjoyed endorsing them for years. I got some of their window blinds on my deck. I'll add it down when the sun's getting hot in the afternoon. Not a problem right now, but it will be in a few months.

And we love these guys. Use the promo code Ramsey to get the best deal. The question is from Jamie in Illinois. Dave, I've got a new job, but I still have a pension at my last job for 15 years. Should I leave it there or roll it to my new 401k or to a Roth? I would roll it to a traditional IRA. That way there's no taxes on it. If you roll it into the new 401k, you have limited number of options. With a traditional IRA, you got 8,000 mutual funds to choose from. If you roll it to a Roth, you're going to get taxed.

And I don't want you to pay taxes right now. I'm assuming you're still paying off debt and doing some other stuff. So once you're debt-free, 100% house and everything, if you want to convert to a Roth and pay some taxes, that's cool. But right now, let's just roll it into a traditional regular IRA across four types of mutual funds, growth, growth and income, aggressive growth, and income aggressive growth and international so if you want to uh find hateful people let me tell you where to find them twitter

yeah i'm just scrolling at the break and this woman's like i don't like that you are so spiritual why don't you just stick to money? Well, let me help you with that. I can help you with that. There's two things you need to understand about that. Number one, I'll give you the logical answer, and then I'll give you the smart aleck answer. Okay? The logical answer is that personal finance is 80% behavior.

It's only 20% head knowledge. Do you know where your behaviors come from? Your spiritual worldview. Your belief system is where your behaviors come from. And so if you have a belief system that affects behaviors in a positive way, then it should be tied into your personal finance. The problem with your Greek methodology of thinking is that it compartmentalizes your life in a way that is not how life is lived.

See, you don't get to break apart your spirituality, your money, your marriage, your physical body. You don't get to break all of these, your physical condition, your stress level, your mental health. You don't get to break all of these in neat little compartments. They are all interwoven in a tapestry. And so when you pull on one of the threads, darling, it pulls on everything. When you straighten out your money,

the number of people that lose weight while they're getting out of debt is amazing. And it's not because they're not eating. It's because they discovered this thing called self-control. When you pull on one of the threads of the tapestry of your life, it affects the other parts of your life. The number of times I meet someone that says,

we went through Financial Peace University and it saved our marriage. That's not a marriage class. The sex class was down the hall. But what happened? Because you're working on your money together, you increase communication, you combine your value systems, and when you share your dreams, your visions, and your goals,

your marriage increases. And when you do a budget, you're forced to share your dreams and your vision. These things work together. Personal finances, behavior. So to ignore the spiritual, and we can discuss whichever spiritual angle you want. I happen to be an evangelical Christian. You might be an atheist or a Muslim or whatever you are. But if you ignore the spiritual discussion as a part

of a subject that is 80% behavior, that makes you ignorant because it doesn't work. It's dumb. You can't do that. It's logistically, practically impossible because your worldview, which is your spiritual view, affects every one of your decisions, whether you realize it or not. It changes everything. Your view of morality, of character, is a spiritual view.

Again, your spiritual view can be whatever you want it to be. I'm not mad at you. You can be whatever you want to be, and I'll help you. I don't care which of the brands or thing whatever you want to be and i'll help you i don't care which of the brands or thing you're tied up in i'll help you we don't have to agree on jesus for you to call in here and me help you i'm here to help you i'm going to help you either way if you're going to be mad at me i'm just going to block you okay and i'm not going to get on here and argue with you that's the that's the thing but but we're going to help you if you want help. We're here to help you.

And but you know, but you can't. It's intellectually insincere to address something that is 80 percent behavior without looking at it through the spiritual lens. It just doesn't work. It's impractical. It doesn't work. Now, that's the real answer. The smart aleck answer is, this is called the Dave Ramsey show, which means I own it, and I'm going to say whatever the flip I want to say.

And if you don't want to listen, hit the scan button, baby. You're not paying me. You don't like it? Change the channel. Vote with your finger. Push the little button on your car. Go somewhere else if you're offended. But your offense does not give you the right to tell me how to run my business or the content of this show.

Your intolerance of my tolerance is not okay with me. This is the Dave Ramsey show. Translation, it's about what I think, and I am an expert on my opinion. So you get to do whatever you want to do, kiddo. I don't care. But you politically correct morons that think you get to tell everybody else what to do? You can jump in the freaking creek. Okay?

You're confused about how this works. I get to do what I want to do until none of you are listening, and then I might have enough money to do it anyway. So, it's okay. So far, 15 million people aren't so angry that they all left every week. I may manage to make them all mad, and all of you may leave eventually. Or I may not be able to string a sentence together because my brain quits working or something. That's okay. That happens to all of us eventually.

But as for today, this is who we is. And it comes with a package, baby. It comes with a package. You don't get to slice and dice me. This is who I is is and we are not even a little bit ashamed of that we love you and we're going to help you but you are confused if you think you're going to dictate the content of this show you're seriously confused i am too old and too much of a hillbilly to be told what to do. So it just doesn't work that way, kiddo.

Sorry. But I'm sorry you're offended, but just get in line. There's a whole bunch of you. Open phones this hour at 888-825-5225. Dave, I got four cards, credit cards, going into collections and are starting the debt snowball. Where do I put them um well if you can get them current before you start your debt snowball that would be preferable because you're going to do

less damage to your credit i'm not trying to save your credit but you're going to be honoring your word if you can get current or get on some kind of a plan where you're paying them a payment now if you're way way way, you might just let them go until you get your other debts paid and then go back and work out with them. But if you're like three months behind of $22 or something like that, then get the $22 together and get caught up, you know, and then start your debt snowball because then you're honoring your word. And it's not so much I'm worried about them or not so much I'm worried about that but when you have a sense of character and you have a sense of

wholeness like we were just talking about a minute ago when you do that it's gonna you're gonna square your shoulders you're gonna feel different about you and that's gonna impact your completion level your completion probability of knocking this plan out so you got this james you can do it man we appreciate you hanging out with us. Appreciate you hanging. And that's James from Twitter. So there's a good guy on Twitter. There's a couple of them left.

Not many. Oh, that puts us out of the Dave Ramsey show in the books. We will be back with you before you know it. In the meantime, remember, there is ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. This is James Childs, producer of 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.