The Ramsey Show - App - Don't Compare Yourself to Everybody Else (Hour 3)

Episode Date: June 30, 2020

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. Open phones at 888-825-5225. That's 888-825-5225. Quincy starts off this hour in Michigan.

Ken Coleman is my co-host on the show today. Hey, Quincy, what's up? How you doing, sir? Thank you for taking my call. I had a question in reference to whether or not I should pay off my house. Just to give you some history, I recently retired from a law enforcement job for over 25 years. I received a pension and I also took on another career and my wife also works full-time. We have a total income of 222K. Wow.

And the only debt that we have is our house and that's currently at about 195 at 3.75%. Okay. I spoke to a couple of financial advisors and they pretty much told me that I should put the money into a mutual fund and hold off on paying off the mortgage. My plan is to retire or we to retire in about six to eight years. Yeah, and you're calling me because that doesn't sit well with you. Exactly. Okay.

And here, let me give you a hint with that. You make more than the guy you talk to. Not this guy, but the guy you talked to that was a financial advisor following so you you know you need to go you have a great income you have been winning and you make really really really good money okay so we teach a thing called the baby steps the thing is the shortest distance between where you are today and wealth if you follow those steps um and it does work and it's worked for millions of people have you heard of us talk about that yes i have and i believe that we are around Baby Step 5. Right.

Well, 4, 5, and 6 you do simultaneously, which means you're debt-free and you have an emergency, other than the home, and you have an emergency fund in place. Do you have that? Yes. Good. We have $32K in cash. Good.

That's your emergency fund. And I have a 4, yes. Okay. And I have a 450, or we have a 457 in individual stocks. Good. That's your emergency fund. And I have a four, yes. And I have a 450, or we have a 457 in individual stocks. Okay. What we would tell you to do after you've got your emergency fund in place is baby step four, 15%. So a touch over $30,000 a year going into retirement. No more, no less. Baby step five is kids college. You're doing something towards kids' college that's appropriate for the age of your kids, meaning how much distance between now and college.

And then baby step six is, yes, we're going to pay off the house as fast as we can. We're not going to make sure that that financial advisor gets a commission. The first goal is that you get your part. And I don't mind even making a commission later, and I might talk to some different financial advisors and actually find one that aligns with your values matter of fact I know I would so Ken what are you thinking yeah you know I think I think he had a gut feeling to call you he said that doesn't square and you've got to trust your gut here because your guts coming from a place of

values and yeah I mean again the straightest point to wealth is paying off that house and following the baby steps because if you want to retire in 68 years well you having a paid off house is is a big part of that and you're really setting you up that far from doing it i mean 60 80 grand a year out of your 200 it was 195 you're done in no time yeah you've done a really good job. Really, really good job. Aaron is with us in California. Hi, Aaron. How are you? Better than I deserve, Dave. How are you guys doing?

Better than we deserve. What's up? So I have a question. We recently, me and my wife, recently paid off all our debt. Don't want to pay this stuff, too. And so we are saving our three to six month emergency fund. But my question was, is at my work currently, I'm a nurse for the state of California, and I have about four months or so of payable time off on the books.

So what I wanted to know was, you know, if an emergency and I lost my job or something like that, that would all get paid out to me. Can that count toward my emergency fund? No, because there's emergencies that are non-income emergencies. But what it can count toward is if you want to be on the three-month side of the three to six months. Because of that, you have less risk for a big emergency. But you could have a family member die,

and you need to buy a $10,000 funeral because they were broke, and you think you want to. That's an emergency. It has nothing to do with income. Transmission can go out on your car. That's an emergency. It has nothing to do with income. You could have a medical emergency.

You see that all the time, and obviously the insurance might pick up or should pick up a portion of that, but you would probably have some co-pays and some deductibles to meet. So these are non-income-based emergencies. There's lots of them. But mostly, the biggest struggle we have is when we lose our income. So that's what brought you there. So that was very smart. But we go three to six months of expenses, and, yeah, you just could go to the three-month side. Sebastian's in California.

Sebastian, your question. Hi, Dave. Thanks for taking my call. Really appreciate the service. We have a debt of about $730K. This includes the house. But I've been planning to go back and pursue an MBA. I have for a while now and I've been putting it off. Someone told me recently that, you know,

right now the online education is picking up steam. Nobody is getting back to offices. So work from home and all of that due to the pandemic. So why don't you do an MBA online? It's going to cost you some money, but once you are done with the MBA program in about two years, you get a better job, and then you can pay off your debt quickly. Do you think – what's your advice on that plan? No. No, you don't need an MBA. You've got a bunch of debt. Now, the MBA is still going to be there when you get out of debt. So besides your home, what's the debt?

The debt is about $12,000, of which $6,000 is on a car, which we have planned to pay off in December of this month. Do you have a $730,000 mortgage? We have a $720,000 mortgage? We have a $720,000 mortgage. Okay. All right. And what's your household income? Between me and my wife, it's $350,000.

What do you make? I make $55,000, and my wife makes the rest. She's an oncologist. Okay. So the household income is a little bit bigger than I thought. We got some new information there. I still want you to pay off the debt. Get debt-free. You guys should be hammering through that.

Yeah, I mean, this is a no-brainer. Then cash flow your way through the MBA. There's no reason to go into debt with the kind of income that you're making. None whatsoever. But, yeah, that's a good strategy to get a better job, yes. But cash flow it. But be debt-free first. Then have an emergency fund.

Then do your MBA out of pocket. And you're starting the MBA in January if we do that. If you get on a budget with the kind of income you have. You don't have to be debt-free on the house, but everything but the house is what we're talking about. This is the Dave Ramsey Show. Business leaders now more than ever, we need people with the right skills to support our communities, especially the frontline workers who provide resources and care for those most in need. To help, LinkedIn is offering free job posts for healthcare and essential service organizations that need to quickly fill critical roles with the people who help us all.

If you are hiring for one of these organizations, free job posts on LinkedIn can help you quickly find the right people for your frontline. LinkedIn jobs can help by screening candidates for skills and experience you're looking for and putting your job post in front of qualified people who have what you're looking for. So you can find the right person to quickly fill critical roles. To post a health care or essential service job for free, or if you're in another industry and have hiring needs, visit LinkedIn.com slash Ramsey. LinkedIn.com slash Ramsey.

Terms and conditions apply. Thanks for joining us, America. We're glad you're here. Ken Coleman, Ramsey personality, is my co-host today on the Dave Ramsey Show. The phone number is 888-825-5225. These are crazy times, and one of the things that has happened to some of you, most of you, most of us, during the COVID suppression, when the people were losing their jobs, when you were losing your job, when you were being furloughed, some of you are still experiencing that, it made you stop and say, never again.

Never again am I going to be caught flat-footed with no savings and deeply in debt where I can't breathe. This is my wake-up call, my never-again moment. And everybody has never-again moments. The only question is is will you answer the phone and it's coming so never again will i let the news cycle put me into a panic never again am i going to be in a place where i can't feed my family because i don't have any savings and i'm deeply in debt and i'm not prepared for the things that happen in our individual lives

and the things that happen in our culture. So we know the right plan, and we know the right tools, and we know how to help you get there. It's our brand-new, full, all-access membership, and it's called Ramsey Plus. We just launched it last week. And basically, it's where we put together all of our premium products. Financial Peace University and all the other classes in the Learn section. In the Budget section is EveryDollar and EveryDollarSync, which syncs up with your bank and your spouse and everybody works together to hit this. And you got the budget to keep you on track. And then you

track. And you track, you see how you're doing, and that's the Baby Steps Tracker. A lot of people put hand-drawn thermometers on their refrigerator. Well, you don't need to do that anymore. You've got the Baby Steps Tracker. It'll show you exactly where you are, and you get to keep up with it, and your spouse follows along. Even your kids can follow along.

Ramsey Plus. If you would like a free trial to Ramsey Plus right now, just go to DaveRamsey.com and click on Free Trial for Ramsey Plus. And you can look at all of this information during the free trial. It's all there. And it's pretty freaking incredible. So jump in and learn about this. It will change everything for you al is with us in texas hey al welcome to the dave ramsey show thanks for having me and taking my call sure

what's up so my wife and i are on baby step two paying off the debts we have been chipping away chipping away and we are on our last two debts. Good. How much have you paid off so far? Let's just say it's a lot more than we last count. And it's, yeah, let's just say we have, you know, doing it, made a mistake, doing every mistake, and now we're just totally serious. Okay. So in the last run, in the last run,

how long was the last run where you ran at the debt, and how much did you pay off, and how long was it? About $30,000. And how long? In this middle of smoke. That actually was within about a year and a half. Okay. That's what I'm after.

All right. Cool. And you have two debts left, and they're what? They're basically the car and my wife's teacher's student loan. And the balance on those is what? They're basically the car and my wife's teacher's student loan. And the balance on those is what? They're both 15K. Okay. So you've got 30K more and you've already done 30K in the last 18 months. Good.

So 18 months from now we're done if you stay on the same track, right? Exactly. And that's what we're actually calling balance because my wife, she'll be able to qualify in about two years to have that balance forgiven because she's working in a high-risk district. And so my wife mentioned to me, like, we should concentrate first because there's the same balance on the actual car. Agreed. And I tell her, you know, we need to just pay both of them off.

And she says, you know what? We can work on paying them both, but if we go ahead and focus on paying the car off and she says you know what we can work on paying them both but if we go ahead and focus on paying the car off yeah and still reduce the amount of loan uh eventually you know um we'll have money accumulated and if for some reason the two years have passed and i don't qualify or qualify or something happens we'll still have cash and we'll still have six three to six months for the next step yeah Yeah, so she's exactly right. Pay off the car as soon as possible, and then pay the minimum payments on the student loans, and then pile up that $15,000 in addition to your emergency fund.

And then if the forgiveness doesn't come through, this type of forgiveness has actually been working. The 10-year forgiveness, they've not been following through on, and very, very few people have gotten it. But the underserved, it's a five-year program, right? Yes, exactly. That's that one they've actually been doing. And so you probably are going to get that, and it's okay now.

But you've got to have the handcuffs off by having the $15,000 extra in the bank to be able to get out of there and make that choice. And just a marriage relationship piece of advice here. If she doesn't know that you called Dave, go ahead and say, honey, I thought about it. And I think you're right. You lie. No, because they've been talking about it because he already went. I know. You heard him say, dog.

I jest. Dog. I jest. But, you know, she's right. Did you hear him laugh when you said that? Yeah, that's what I meant. That's why I'm messing. Yeah, sweetheart, you're right. Turns out Dave Ramsey agrees with you. At least you could say that.

I'm looking for some brownie points for Al. Al needs some brownie points. Regina is with us in Nevada. Hi, Regina. How are you? Good afternoon, Dave. Thanks for taking my call. Sure. How can we help? I'm actually in the financial services industry, and I have a new career goal, and I guess maybe you and Ken can both throw in some insight on how to transition at this time, because I'm working remotely, and I need some baby steps or something to get me started. Okay. Where do you want to transition at this time because I'm working remotely and I need some baby steps or something to get me started.

Okay. Where do you want to transition to? Financial coaching. Okay. So you know that's going to take some time to build up a clientele. You understand that. It's not just hang a shingle and everybody shows up at your door, right? Understood.

Yeah. So the reality is that you're going to have to start that on the side anyway and begin with one client, take good care of them, and they start talking about you, and you build it as you go. And so we'd love for you to consider our financial coach master training here at Ramsey Solutions. I think we're the best in the business. Have you already done that?

I have not. I'm still in debt. I'm on baby step two, so I have not been able to. Okay. All right. When you're ready for that, so I have not been able to. Okay. All right. When you're ready for that, I mean, they not only train you and really equip you, but they help you grow your business. And so I want you to kick the tires on that and talk to our team. They're just wonderful.

And just get a sense from them. And, again, whether this was Ramsey Solutions or not, this is what your next step would be. We want you to get qualified. And so you're clear on what you want to do. That's stage one of realizing your dream. And so stage two is get qualified. So what do I need to learn and do to become a successful financial coach? And again, that's the Ramsey Solutions option here.

And then you would look at, well, how much is that going to cost me? Because you're getting out of debt, right? So you've got to work that into your financial reality. We want you to work the baby steps here. So if we've got to wait a little bit to make the transition to the dream job, it's worth the wait. So walk the baby steps out, get out of debt, get that emergency fund in a situation where you're three to six months, and then you're going to cash flow your way through the qualification, getting qualified. And in this situation, you're a financial coach.

And so you're going to tell the world and you're gonna you don't need to spend a bunch of money here dave a lot of people feel like well i gotta build this super expensive website and i gotta do all this no you don't uh you need to tell the world uh what you're doing why you're doing it and how you can do it for them and you build one step at a time one customer at a time you get it to the point where you walk into it prescribing a side hustle kickoff. 100%. Yeah, that's what I said.

As long as that's not in conflict with her current financial services job. You know what? That's a fair point. I would never – yeah, I didn't mention that. I was thinking that it's a little bit different. Yeah, but it cannot be a conflict of interest, of course. We're about ethics. We're about everything being straightforward.

So I'm glad you brought that up. This is assuming that you don't have a conflict of interest. If you don't, that's the perfect prescription. Yeah. But if she does, then we have to walk through that. That's a different deal. So what she's going to have to do is she'd have to almost replace that day job. It's a harder transition.

Much longer, too. The best transition is a side hustle that grows into a full company. Yes, ideally. And you can get all the bugs worked out of your theories at that point. It changes everything. So, hey, welcome to the fold. We're glad to have the help out there. We need it.

Lots of people need help with this subject matter. This is the Dave Ramsey Show. Let's talk about preventing the unexpected. Imagine your refrigerator goes out. You can fix your major appliances yourself with parts and expert advice from my friends at Appliance Parts Pros. They carry over 2 million appliance parts and offer easy returns. And anyone can do the job themselves with 3,500 repair and how-to videos plus live chat on their website save money and get your parts today at thanks for joining us america ken coleman ramsay personality is my co-host on the air today joe's in Missouri.

Hey, Joe, what's up, man? Dave and Ken, it's an honor speaking with you guys. How are you? Better than I deserve. How can we help? Hey, I got a question in the realm of saving, and I'm curious if I'm saving a little bit too much, and maybe a ton of backs.

This is not a question we get often. I have too much money dave i'm intrigued by this so what's the give me the context yeah so i just turned 24 um i have my three-month emergency fund set up and i'm actively contributing 15 into my 401k so i have that set up um now this is where it's a little bit extra so So, on the side, I'm putting an extra $250 a month into a Roth IRA and an additional $250 a month into a separate investing account. And then lastly, I'm contributing $1,000 a year into my company-matched HSA, which I do qualify based on the health insurance that I have.

Do you own a home? No, I'm renting right now. Okay, so you are, and you don't have kids to save for college, right? Nope, and I have no debt either. So you're basically maxing out your investments instead of saving for a home. That's going to put you in a pinch when you get ready to buy a home, but other than that, it sounds okay. Okay. What's your income you know i i let me say let me say the guy yeah what is your income that's a good question uh i make anywhere between

80 to 95 000 a year um what do you do i'm working yeah i'm in sales for at&t okay you're selling like you're doing well okay good congratulations well. Congratulations. Well, you know, what we would recommend is baby step four is 15% of your income going into retirement. You're far beyond that. Beyond that, I think I would put 100% of savings beyond that towards a house down payment because we know sometime in the next five to six years, somewhere in there, there's probably a house in your future. Would you agree with that? I would. Yeah, let's go ahead and aim at that instead of maxing out all this other stuff.

I mean, if you want to throw that $1,000 in the HSA, that's okay, not a big deal. But anything above 15% and above the HSA, I probably would just, let's build a house account. And even if you're putting that in a mutual fund that's fine that's that's a different that's just categorizing the savings different but no i would not do more than 15 into retirement have it all trapped in retirement and then you get rid of by house you know you down payment okay so i think we need to get ready for that it's coming and you can't save too much for your down payment because you could do the 100% down plan if things got really crazy and good. That'd be fun.

James is with us. James is in Connecticut. Hi, James. How are you? I'm very blessed, Dave. Thank you very much for taking my call today. Sure. What's up?

Well, I first just wanted to thank you because of you, your team, and Financial Peace University, and of course, the grace of God, my wife and I have come closer together and are debt-free except for our home and have $13,000 toward our emergency fund. Congratulations. On our way to getting that three to six months. Thank you very much, my friend. Thank you. But my question today for you is actually about my mother, who is 73 years old. She has a total life insurance policy, which I know you hate and wish she heard of you years ago and would have never gotten into this, into this. But they unfortunately took out a loan before my father passed away. And that has decreased the cash value of this whole life insurance policy.

And although she does have more than the loans balance on there, my question to you is, being that she's 73, you can't, I mean, I don't know what you can get for term, or I can't imagine. Does she need life insurance? Unfortunately, yeah, I bought a two-family to to i make not even a dime on it um just so that she has a place to live within the means of social security so so she's she's broke uh yeah so what does she need life insurance for i guess she would she want that's what she she she says she wants it because she wants to be

able to leave us something no i think it is what i want to say that's a horrible that's a horrible way to leave somebody something so uh thank you right yeah so what does she need money for to cover at her death her burial just with you yeah you're you're absolutely right so i mean that's that's what i think so what i want to tell her is mom cancel it out stop paying this 140 a month payment that's literally going to nothing exactly and and just be done with it you know take whatever take whatever cash value net of the loans out and let's invest that towards your burial and your emergency fund yeah exactly what i would do i love it and i'm going to tell her that dave ramsey told me to do that so she she better listen to this because let me tell you dave everywhere i go i spread your name your

message and i mean i was in mystic seaport last week and there was a 17 year old kid there and i'm going to say there's a man that i i have, well, I didn't say met, but like met his teachings. And I wish somebody at my, when I was your age, had talked to me about what he's taught me. And I literally just, and go to the website, DaveRamsey.com slash hope, and literally you're an inspiration to so many people around the country and the people that I meet. You're very kind, James.

Thank you. Thank you very much that's fun but yeah the i think the answer with your mom is we just need to give her peace that she's done her part she's done her part i mean you're on the one hand you're having to furnish her a place to live and on the other hand she's putting 140 bucks a month into this black hole for money for no real apparent reason so um yeah that's that's just not necessary wouldn't wouldn't do it all right sharon is up sharon's with us in uh new york or what is it yeah new york new york hey sharon how are you hi good um my husband and i are debating if we should fight for bankruptcy. First of all, thank you so much.

We love your show, and we hope you can help. So it's bad around there, huh? Yeah, it's very bad, very bad. How much debt have you got? uh our household income is 70 gross and i have a fourteen thousand dollars on the on my house eighty thousand dollars in credit cards um and a car lease uh which is 420 a month i have 13 000 on it okay what in the world have you been doing these credit cards what we're not sure it's been dragged for four years because one time we were very young and we didn't make a lot of money and we lived on it like food and things and

instead of covering it we just paid minimum and the interest ate it up. And now when we're like woken up, we have two babies, and I mean we can't turn the wheel back. We didn't even know about you back then. We were a mess. How many hours a week do you work? So maybe 36. My husband works full-time um he's 60 gross and then uh 10k is side jobs that we're doing we also have two small babies at home okay so you're at home

i'm at home now yeah yeah. Yeah, okay. All right, and he's working 36 with side jobs. I got you. Okay. I mean, I'm working also a few hours a day. I do delivery. Let me ask you this. Let me ask you this real quick.

If you sold the car and got rid of the fleece and you just didn't pay the credit cards, what's that going to do? It's going to ruin your credit, and they might sue you before you can get around to paying them. Agreed? So I haven't been paying them for seven months. Do you agree with what I just said? If I'm not going to pay them, they're going to sue me? Yeah, eventually, maybe one of them will.

So what? If they do, then you would file. But you're not bankrupt them. They're going to sue me. Yeah, eventually. Maybe one of them will. So what? If they do, then you would file. But you're not bankrupt yet. You're just scared. So I tell you what. We're going to pay for you to go through Financial Peace University and Ramsey Plus. We're going to give you the whole Ramsey Plus membership for a year and set you up with one of our coaches for a free 15-minute discussion.

I think we can walk you out of this. You're going to have to sell the car, though. This car's stupid. Hold on. Kelly will pick up, and we'll get you signed up as our guest. This is The Dave Ramsey Show. Folks, I love telling you about well-made, well-thought-out products. Today, I'm talking about Grip6 belts. I don't know about you, but I'm not a fan of traditional belts.

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That's GRIPSIX.com. Our scripture of the day, Hebrews 12.1. Therefore, since we are surrounded by so great a cloud of witnesses, let us also lay aside every weight and sin which clings so closely, and let us run with endurance the race that is set before us. John Wooden said, Do not let what you cannot do interfere with what you can do. Ken Coleman, Ramsey Personality, is my co-host on the air today.

This is the Dave Ramsey Show. Do not let what you can do. Wooden is a classic. Such a master of words. Before there was Twitter, he was tweetable. That's the truth. He was a one-liner. He really was.

I mean, Yogi Berra and John Wooden. I mean, there were some one-liners coming out of these guys. I mean, Vince Lombardi would have been fun to have around Twitter. Oh, man. You could have got some Twitter out of him. Boy, tell you what. I mean, the one-liners that you just go, yeah. Because there's so much wisdom in that.

By God, get started. That's right. Well, think about it. He's a coach, right? And so he's got players that come in, and they're trying to be scorers, and they're trying to do this, and they're trying to do that, and they're trying to compare themselves to Lou Alcindor, Kareem Abdul-Jabbar, and he's going, no, you're not a scorer.

Don't focus on what you can't do. Focus on what you can do, which is rebound and play defense. You know, the role playing. And we all are created to fill a role. And, you know, comparisons of cancer. You know, to fill a role and you know comparisons of cancer you know rachel cruz has talked about this a lot she's absolutely right you know if you want to stay stuck and miserable you know what you need to do is compare yourself to everybody else instead of going what do i do well what can i do and how can i be the best version of of me and stop trying

to be a fake version of somebody else the world doesn't need a bunch of knockoffs it needs what you can bring and i think that's so great this idea a bunch of knockoffs. It needs what you can bring. And I think that's so great, this idea of I'm just going to focus on what I can do. And, boy, that applies to leadership as well. We talked about that a lot in the message of hope. You know, you focus on what you do know, the controllables. Control what you can control. And then let the chips fall where they fall.

And I think that's a wonderful piece of advice. It is. And there's a piece of that, too, that just know get started yeah yeah just get started yeah get off the bench get out just the paralysis of the analysis it's true is just overwhelming it's true several things shutting our culture down the cancel culture for one thing yeah um and uh you know i'm gonna cancel you i'm not like you anymore oh well kiss my butt you know move on yeah like i'm gonna not do something because one of you people said i'm not give me a break right you got to be kidding me so move on yeah get a life yeah you know and

then this other thing of how everything has to be just right before i can do anything it's never gonna be just right no get after it i don't agree with jay ramsey's baby steps so get your own right you know or work mine until you figure yours out you know whatever yeah but go do something because what you're doing is not working and if you keep doing what you're doing you're going to keep getting what you've been getting so bust them all baby right yeah it's absolutely right you know you've got to embrace failure you have to embrace moving forward and this idea of i'm going to wait till it's perfect it's become a big excuse for people and once you embrace failure and move forward with it like john maxwell's book failing forward you understand that really you're not talking embracing failure you're saying i'm a

scientist that's right i'm experimenting yeah yeah he rewrote that book and i like the second title uh it said sometimes you win sometimes you learn instead of lose and he's really right there it's All right. I'm experimenting. Yeah. Yeah, he rewrote that book, and I like the second title. It said, sometimes you win, sometimes you learn, instead of lose. And he's really right there. It's a wonderful little wordplay, and that's what Wooden is saying there. He's saying, focus on what you know and what you can do now. Stop waiting for the perfect time, waiting for the perfect plan. Just act.

Show up. Show up. Get off the bleachers of life and get in the game. Get after it. favorite that's good old coach speak get after it son get it i heard that a million times growing up i'm coaching my son's ice hockey team and i spent half my time with my hockey stick on their butts trying to keep those wind sprints going do you know the trouble you would get into these days with that kind of you know the trouble i would get into if i coached period that's what i'm saying because i would string their freaking mothers up too many snowflakes oh my god the problem with snowflakes is when it gets hot they melt that's the problem it wouldn't work my political correctness would

not be hey i'm a i'm actually a great coach because I'm a great teacher, but by God, you're going to go for it. I cannot handle a lack of effort. Right. I can handle anything but a lack of effort. Right. It's just get your butt in gear. How would you handle everybody has to play the same amount of time? That's not socialism.

I've never been able to ask him that. There's socialism at the hockey rink, and we don't keep score. Bull crap. Yes, we do don't keep score. Bull crap. Yes, we do. Boys keep score when they play. Girls do, too. Yeah. Let me help you with this.

Competitors, you may not know what the score is, mommy, little wussified daddy, but let me just tell you, the truth is the kids know what the score is. That's socialism. That's bull. That's right. By the way, they do see through it. By the way, if you don't want to lose, let me help you with that. Get better. Right. Yeah. It's true. By the way, they do see through it. By the way, if you don't want to lose, let me help you with that. Get better.

Right. Yeah. It's true. By the way, kids see through all that garbage. I remember coaching a soccer team my freshman year of college, and it was a five- and six-year-old league. And they said, don't keep score. Well, at halftime, I'll never forget it.

We were down 3-0. And I was trying to play by the rules. And I came in. I said, hey, everybody's doing a great job. Everybody's heads were down. I looked at them. I said, what's going on? They're like, we're losing.

They're keeping score. How old were they? Five and six. Yeah. They're keeping score. Yeah. My grandson, four years old, he's like, they scored. He's playing soccer.

He's like, they scored on me, Papa. He knows. I'm like, well, get in the way of the ball then. Right. You know, this is not hard. Yeah. Score on them. You're not going to die from it. No it no you're gonna be in counseling right i mean we played dodgeball and got my teeth knocked out man

i mean i'm not in counseling from that get over it yeah i mean you have a little man you have a slight tick every once in a while but that's another issue i do not it hasn't held you back at all i remember getting hit so hard one time. Sudden rage. I had a ball mark on the side of my face. That was a routine. Those little prints from that ball, they had the little squares to them. Yeah.

Yeah. That's happened many times. See, now we're going to get hate mail for days. But that's good. You know what I say on my show? If you send something nasty to the Ken Coleman email account, I say, great, send it. I'm not going to read it. So waste your time. I'm not going to read your hate mail i'm not even going to give you any kind of credit that you're in my head at all i know you actually like to engage

on some of that i don't i occasionally do just to keep twitter busy but yeah on twitter yeah it's just like it's like a sport but um send it We don't care because you can't cancel us. I do hold a record on Twitter. For what? Of all celebrities. Really? Yeah. You didn't know this?

I'm dying to know what this record is. I'm very excited. I'm on the edge of my seat. I have blocked more people than anyone else. That's pretty cool. I think it's like 20,000. We should get you an award. Because if you are spineless and you will say something to me on Twitter that you wouldn't

say in person, they get your block knocked off. That's true. Then if you ain't got the chops to say it in person, say what you would say behind your digital courage, then I don't have time to talk to you. I like that. So you're blocked. I hate Dave Ramsey. Then you don't need to be following Dave Ramsey. You need to go follow somebody else, you doofus.

And so I don't need to hear your crap. I think for your birthday. You're supposed to socially interact. Not with doofuses. That's not socially interacting with a doofus and so you know i don't need to hear your crap i think for your birthday you're supposed to socially interact not with doofuses it's not socially interacting with a doofus by the way that's my favorite dave ramsey voice all time when he goes to that the hermit i'm gonna buy you a cinder block for your birthday and i have the twitter logo on it i'm just gonna give it to you and it's like a new award yeah the all-time like our little well we've got the little one from youtube with like a yeah like a million whatever this is for the most people an arrow thing wherever it is somewhere this will be for the most people blocked all time yeah i don't know if twitter actually gives that

award oh you keep talking about them this way they'll block you these days that's true that's true because or they'll at least put some kind of a zucker you. Oh, they'll put an asterisk on this that this might hurt your feelings. They do that? Twitter's doing that now. Oh, good. How have I avoided that? Well, because you really are nice. I mean, you're not unkind.

What you do is when people take a shot at you that's outrageous, I can see you smiling. I've never been around you when you do it, but I always picture you smiling as you hit retweet and you retweet their comment then you let the tribe answer the question pile on them that's what it will that's what happens i've seen that happen many times you go okay here we go okay open the gate the lions let the lions in that's what you do fresh meat okay i'm gonna just let everybody else enjoy this is what you do i have to check to make sure they're not 14 years old when i do that because i did it to a 14 year old one time oh a kid in school and our tribe destroyed this 14 year old oh yeah it was like yeah because well they're being an idiot but they're 14 they're forced to

watch you in class that's the context yeah oh god you. Can you imagine if you and I were in that class and were forced to watch one of us? We would completely tweet smart ankle stumps. Oh, I would. I would tweet crap about that guy. I would have been worse than any kid. It's true. Back in those days, my language would have got me

in trouble, too. Uh-oh. Not now. He's sanctified, folks. Harshly. Mostly. PG-13? Not now. Not now. He's sanctified, folks. He's good. Well, partially. Mostly. PG-13? Yeah, we'll go with that. We'll go with that. All right.

Can't imagine I'm PG. I guess I am, though. All right. That puts us out of the Dave Ramsey Show and the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Producer of the Dave Ramsey Show. one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.