The Ramsey Show - App - Don’t Step Over a Dollar To Pick Up a Dime! (Hour 1)

Episode Date: August 10, 2023

Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving and storage studios. It's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Dr. John Deloney, host of the Dr. John Deloney Show, number one best-selling author of the book Own Your Past, Change Your Future, is my co-host today as we talk about your life and your money. He has a brand new book coming out called Building a Non-Anxious Life.

We put it on sale, pre-sale. It comes out technically October 3rd. That's when we'll ship them. But it's on pre-sale right now. We're talking about it because we're giving you a bunch of extra bonus items to buy it now. In other words, we're going to bribe you to buy it early. And it's working because thousands of people have accepted the bribe. Hey, I will take it all the way to the bookstore, man.

We'll bribe them away, I will take it all the way to the bookstore, man. We'll bribe them away. I'm telling you. Building a non-anxious life. You know, there were so many subtitles that are possible, some of which are just humorous. But building a non-anxious life in the most freaked out, stressed out, anxious-filled culture in the history of man. That would be a long subtitle. But that's really kind of what we are. We're right in the middle of one of the worst weird times in the history of man that'd be a long subtitle but yeah but that's really kind of what we are we're right in the middle of one of the worst weird times in human history it doesn't make any sense until you back out and say oh man we've just created a world that our bodies can't

live in and the world's not going to change it's going to keep going faster and the only thing i can control is me so i gotta do something different so I think the premise that you started talking about first was in redefining anxieties is that anxiety is not the problem. It's the alarm going off saying there's a problem. That's right. And, you know, in that regard, I love you quoting one doc who says that, I'll let you do it, that so anxiety is actually your friend in that regard. Yeah. Dr. Wendy Suzuki at NYU, she's brilliant she she says anxiety is a friend anxiety is good it lets you know hey your house on fire house on fire which if your neighbor came and banged on your

door and said your your barn's on fire that's a good neighbor right um but man in a world where we want to have it all without any consequences and without any discomfort. We all want it all right now. Our body's just doing what it can to get our attention, man. And we're all rattling at the seams. So in the six daily choices covered in the book, that if you do these six daily choices that include things like human connection, building relationships, that that puts a deposit in the bank, building your mental health emergency fund,

so that when stuff comes at you, you've got a full tank. And I think that's an excellent word choice, when, because most of us just pretend that at any moment we can't get a flat tire, or that our roof will leak, or you and I were just talking offline, I had a sewer issue last night in the middle of the night with a rainstorm. I mean, life will – I think we should say your house had a sewer issue. I did not. I'm good.

The pipes are running right. Speaking of word choices. That's right. But it's not a matter of if. It will, right? I like to think of it like this. This is from our mutual friend, Will Godera. If you look at your life like a water glass,

the lower you can keep that water in your glass throughout a day, when life hits you and dumps a bunch of water in it, you can hold it. You can hold it. But if you have no boundaries and a calendar that runs your life and your elementary school kids run your life and your soccer coach tells you what you're doing every weekend from here to the end of eternity. And your mother-in-law is still cooking dinner. That's exactly right.

And a bank tells you what you're going to do tomorrow, and you have to sit with an abusive boss. Your marriage is a wreck. You don't have any friends. Your glass is already brimming. And then when that thing happens, you scream at people, and you hit somebody. And guess what? No amount of pharmaceuticals is going to make that go away. No. It turns the noise down. and guess what no amount of pharmaceuticals is going to make that go away it it can no it it

turns the noise down it turns that alarm down so that i can go meet with a counselor and a pastor or say the things i need to say to my wife so there is a time for pharmaceuticals but if pharmaceuticals are only masking the the alarm it's not actually giving you you're not taking that opportunity then to fix it yeah then it's kind of like the student loans being on pause, and you don't go get them paid off while they're on pause. That's a – I think that's a great analogy there. Yeah, you had this moment for three years. We have –

You had a chance. You had a chance. You had a shot. The alarms were turned down. You had a chance to get after it. The alarms were turned down. And everybody just stood back and watched. There was no interest.

So the problem that you and people in the uh in the field of mental health have with the pharmaceutical idea is not that all farm is bad it's not that you never need uh some drugs to get things oriented it's that when you try to use that instead of actually fixing the problem there you go that's right and so at the end of the day um uh there we've all had that moment where you climb up and just pull the the little nine volt battery out of your smoke detector because it something's not calibrated it's just going off all the time and you go pull the battery out that's what medication does right it pulls the battery out of the alarm just stops it the goal there is to not not have a smoke detector forever the goal

is to fix the problem yeah so that it works yeah so again six daily choices spiritual relational uh financial there's a whole series of them that's not how he's got them labeled but will help you build a non-anxious life so when an anxiety inducing thing comes at you you're much more prepared you've got room in your glass to use will gadara's uh now metaphor then, to do it. The book is Building a Non-Anxious Life. You can be done by Dr. John Deloney. Here's the thing. You got to get it.

It's only $20, and we're going to throw in $75 worth of items, including instant access to Dr. Deloney's newest talk, Smoke, Fire, and Freedom, that breaks down the mythology that we believe about anxiety and will help you start to reclaim your life right now. And when the book comes out in October, we'll also ship you not only the book, but the e-book, the audio book of Building a Non-Anxious Life. Again, we've sold thousands of these already. Thank you very much for your response. We appreciate you.

And so jump in there and go ahead and get it today at ramsey solutions.com and by the way if you're a dr deloney or a ramsey fan or both uh i'll let you know up front this helps us because it helps the marketing all of the sales prior to october 3rd count in the october 3rd week toward the bestseller list. Completely above board, legal. Everybody knows what we're doing. It's all fine. Pre-sales count in that regard. So the pre-sales help us a bunch with the marketing. And so if you want to help us, go ahead and get it now and we'll bribe you to do it. $20 book for $20 and you get $75 in free bonus items. Going to ramseysolutions.com. Building a non-anxious life look at that guy does he not

look like he looks non-anxious to me other than his sewer problem but he looks you know i think when we took his house his house is sore i was quite anxious i think that's when i was realizing whoa i need to go i need to start following some of these things i'm teaching i need to read this book yeah that'll do it that'll do it. That'll do it. Well, Redefining Anxiety was a little 37-page kind of a chapter book we call them quick reads here that we put out, and it sold 150,000 copies. So I predict that this is one of the things that led us to say, hey, John, yeah, and you said, yeah, this is what we need to do. People need help in this area. They need guidance in this area. They need hope.

Well, I thought, I really thought, you know, I did Redefine Anxiety during the middle of COVID. I thought that when the world opened back up, we'd all saw each other go bananas, and we would come together. And the opposite has proven true. It's just, we just started throwing matches at all the gasoline puddles.

And so it's a mess. But I love that you said that. It's a book about hope, man. I am pretty optimistic about what comes next. Absolutely. Building a non-anxious life, Dr. John Deloney at RamseySolutions.com. Hit the store, get the deal. This is The Ramsey Show.

Dr. John Deloney, Ramsey Personality, is my co-host today. Luna is in Salt Lake City, Utah. Hi, Luna. Welcome to the Ramsey Show. Hi, how are you doing? Better than I deserve. What's up? Can you hear me all right? Yes. Okay.

So I'm going to try and make this as short as possible, but I'm 29. I have a fire under my butt to go back to school and I'm currently one year through, you know, undergraduate, it's going to be four years. So I'm, it's going to be really a useless degree unless I go to graduate school because it's for a veterinary doctor degree and I'm looking at it and it looks like I'm going to be able to pay for it uh you're going to hate this it's going to be all on loans but I don't even make over like the threshold to make you know, pay taxes. So I, I make next to nothing. My family all lives paycheck to paycheck, but the one saving grace here is like my grandparents, they have a trust and they say

that I have 10% of it when they die. And I'm wondering like, is it possible to borrow from a trust or get it early? Or what can I do? Because I'm just looking to pay for my living expenses to college. What were you doing before you went on this adventure? I really tried to have a family life, but they all kind of left. Who's they? Your husband? Your kids?

Yes. I don't have any kids. I've got cats. But, yeah, I was married for a short time, divorced. But my life kind of fell apart for a while, and I put it back together, and I finally have, like, a passion and a purpose, and I'm, like I said, I've got a fire under my butt to go back to school and make something of myself, but I'm just, you know, there's not a lot of money out there for students unless you borrow, and that's not a good option.

Can I challenge something real quick? Yeah. You don't got to go make something of yourself. You already got worth right now. Yeah. Okay. And I think that fire under your butt, honestly, is how burned you are because you looked at somebody and you said, I do, and he said, I do, and then he left.

Well, I mean, that's not something that I'm really focusing on here in the future. That's kind of past is past but now like i guess past is past except it's so caught up in your throat you can hardly speak that's right there's a great quote that says you may be through the past but the past isn't through with you and if you don't heal from that where you can talk about it and think about it without your body getting overcome then it's going to haunt you and what it's going to do it's going to shoot you like a rocket ship into some life-altering decisions like getting 250 or 300 000 in the hole and not knowing what what what day what what direction is up or down and maybe not even finishing and getting the dvm that's right not everybody that starts vet school finishes vet school.

Not everybody that finishes vet school passes their boards and becomes a veterinarian. It's harder than medical school from what I hear. It is. One of my friends that's a vet says when you're in medical school, you only have to learn one set of anatomy. He said, I have to learn a whole bunch of them. So he makes fun of doctors and it's very difficult and uh intellectually difficult and uh and you love animals obviously

it becomes an emotional process too um so luna the answer to your question is no you cannot borrow on a trust unless the trust has uh written into it that option. I'm going to bet you that this one does not. And can they release? Who is the trust? Your grandparents formed the trust for their money to leave to their grandkids? Their grandkids and their children, yeah. Okay.

And how much is in the trust? I think it was down a little bit right now, but it was like $2.7 million. So your part's like $270,000, so it would fund you going to school, okay? So if you talk to your grandfather, he could just choose to take you out of the trust and take $270,000 and pay for your school, and you no longer would be in the trust okay uh he could choose to do that legally uh you want me to tell you what i think's going to happen you're not going to like it well yeah but i think your grandfather loves you i think your grandfather loves you and he's going to see how fragile you are and that you're probably not in really good emotional shape right now to go take on something

like the battle of vet school it's going to take a lot more strength than you've exhibited in this call to do that and i'm not picking on you honey i think you've been hurt and you're still hurting and i want you to have some healing and be going at vet school from strength rather than from weakness. And I got a feeling your grandpa might say that. Does that sound like something he might say? Maybe, but I also skipped over the part where I went to, like, therapy and I was in the hospital for a while doing inpatient and outpatient.

And here's the thing. I'm so sorry. Here's the thing, sweetie. I'm pretty well balanced now. I've been a, I've taught doctoral students. I've walked them through their dissertation. I've worked with law students. I've worked with medical students.

Like, I need you to hear what Dave's saying, that probably the greatest gift you could give yourself is to get a one, if not two, jobs where you are working really close with animals because it's what you love. And do that hour in, hour out, day after day, week after week, month after month, and make sure you love this. two or three years and let yourself have some distance because um the lady we're talking to is having trouble going through the conversation much less through three years of vet school and this is two guys who both love our dogs and we love you vets we want you to win i want you to win i'm not trying to be a dream killer i'm trying to be a nightmare killer and i got a feeling if your grandpa loves you and if he's wise, he will deny your request.

Not because he's being mean, but because he's going to hear and see what we're hearing and seeing. That's my guess. Now, again, you're just a radio show. We've only talked to you for two minutes, honey. But you sound very hurt and very fresh and very raw in talking to you. And that's not saying you haven't done hard work already, but you've got some more healing to do is what it sounds like. And if we're wrong, we're wrong.

You go do what you want to do, honey. You're a grown-up. You're allowed to do what you want to do. You called us, and we're going to tell you the truth because we love you, even if it's not what you want to hear. I'm going to give you this analogy. I've met with countless people over the years who are sick and tired of being overweight. And they say, today is the day that I start.

None of those folks are going to be successful if the next day they start running a marathon. That's not how that works. They start walking around their neighborhood. They hire a personal trainer and slowly start lifting weights. It's a slow, gradual process. It's going to take time because you have to heal. You have to change your entire way of doing life. And to build your muscle tone.

That's right. You've got to build your body. And so I want you to hear me today say later, not now. Yeah. This is not. You can't do this number. Not never. Not now.

Not right now. And you're going to know a whole lot more about you and a whole lot more about this career path if you'll go do what John said. And that's become a vet tech and just go in there and love animals every day and get paid and pay your bills and get paid and love animals and pay your bills and get paid and smile and get in the morning. Read your Bible and sit on the back porch with a cup of coffee and watch the sun come up and know that everything's going to be okay and you do that a little while longer and you know the past will be a little bit more in your rearview mirror and again i'm not discounting or putting down all the work you've done so far the hospital the therapists all that i'm just telling you reflecting back to you what we heard in three minutes on the radio, honey.

And I've got a buddy who runs a vet clinic, and he's always talking about they're trying to hire good vets. And so I can even see a scenario where you are a vet tech for a couple of years, and some vet looks at you and says, I'll help you go through school. I'll pay for it. If you sign a five-year deal with me or something. And so, man, you may figure something out there. Ding, ding. And the situation might change with the trust over time. If your grandparents passed, the 10% could be coming to you while you're doing all of this.

And instead of you going up to your eyeballs in debt in this situation and then maybe not able to play through. This is The Ramsey Show. Dr. John Deloney, Ramsey personality, is my co-host today. Patrick is on the line in Charlotte, North Carolina. Hi, Patrick. How are you? Hey, Dave. Going well. How are you? Better than we deserve. What's up?

Yeah, so just a quick question. You know, I found you guys pretty recently, actually. And let me tell you, I've been going through the rabbit hole just watching videos and really just trying to take charge of my debt. Well, thank you. I'm glad we could help. Yeah. I mean, absolutely. And so my question, my wife and I, we already discussed our plan we did um you know all of our expenses in out um a remainder everything like that um i'm at the point in my career where i'm looking to kind of jump ship and uh we're going to get through baby step super quick and just move you know on to on to baby step two afterwards um should i be concerned at all with transferring, transitioning into another job during that phase where we're supposed to be paying off a lot of debt,

or is that something that just kind of comes with the process? Well, if you make more money and there's not a gap, it's nothing but upside to changing jobs, right? Yeah, and that is true. Now, you know, I work in IT, specifically doing, you know, IQA work. A lot of those jobs are typically contract, so they might not go past, you know, three or six months. But are you doing contract now? I am, but this has been going on for over three and a half years.

So they've extended it. Why would you change? I really don't see them dropping it. Why would you change from contract to contract? Just for pay increase. Okay. Can you get a pay increase becoming a full-time team member instead of contract? It depends.

I mean, it really goes, I think, based off of the company and their needs at the time. Sure. What do you make now? Yeah. Right now I'm making $72,500. Okay. And if you took another contract, it just might not be as stable a contract. Is that what you're saying?

Exactly, yeah. So, I mean, you know, it could be three months, six months. There's always the potential. Okay, let's say you run six months. How hard is it to get the next gig? That really all depends. I haven't been in that situation. You know the market.

Probably not too hard. That's what I'm thinking. I mean, we are a big financial capital, so there isn't a shortage of work. Exactly. And also a possibility is this, but would I just jump ship? No. I mean, if you took a contract that you're 90% sure is not going to renew, but it pays a little more and it's a three-month contract, no, I wouldn't take that.

If I take something that pays double and I can lock it in for six months, we think it's probably going to renew, I'm taking that one. Right. That's how I'm looking at it. Is this making sense? Just kind of use some common sense analysis. Oh, and by the way, the third option is get a job that pays double, and then we don't have to worry about either.

We got double and we got stability, hypothetically. Right, right, right, right. Yeah, I mean, the way my company does it right now at the moment. Not your company, you're a contractor. Say again? Not your company, you're a contractor. That kind of is their company model. So it's a name-based tech company, and we work as clients to other people,

and they're the ones that kind of manage the contract yeah their their model is they don't have to depend on you you don't you can't depend on them that's their model pretty much okay exactly that is and hey it's it's really common dude to uh for people who are new to the gang and good on the rabbit holes, that you start to see things that you've done wrong with money or that you realize that you are contributing to the chaos in your home. And one of the unforeseen results of that is you lose trust in yourself and you start to wonder, well, should I do this? And should I do this? So go back and just ask yourself the question, should I just quit my job?

Would that make me worried? Well, if you don't have any money, yes, that'd make me worried. If, like Dave said, if the contract is up in three weeks, yeah, that'd make me worried. If it's changing for a great job or a six-month job, which is pretty far out there for a tech, cool, man. So just trust yourself. Even though you've made some mistakes with money, trust yourself.

Yeah, the beauty of where you are is you have realized something, even though you don't realize you realized it, is that your only security is your ability to land on your feet if something happens, meaning you're in a wonderful field that is very hot, and you should be able to land something. And that's great security. So your security is not artificially some my company is a big wonderful company that doesn't mean squat if they fire your butt tomorrow

so your security is really based in you right and you've already figured that out sorta and that's where your security is so it's not in the it's not in the length of the contract but you use that to say hey it's a wonderful market. I'm in a wonderful field. I could make some more money. I'm going to do that in a wise way. And that's where you need to go with this. Stephen is with us in Knoxville. Hi, Stephen.

Welcome to the Ramsey Show. Hi, Dave. Hey. I've got a question regarding CDs and money markets and paying down mortgage. Me and my wife, we're debt-free except our mortgage, and we like to pay down a little bit every year. But with the CD and money market rates at like 5, 5.25, our mortgage rate is at 2.75.

I want to see if it's okay to have money in CDs and money markets versus paying down at this time. Well, it's not illegal. It's certainly okay. How much is your mortgage? We have about $95,000 left on it. Okay. And so all this gyration is making you $2,000.

Yeah. Whoopee. You're near. You're not getting rich i wouldn't do all this crap for two grand you see you got the money in the bank to write a check and pay off your mortgage right uh close i'd do that today what are you doing man pay your house off i would do that today and if you hate having if you hate being rid of your mortgage you can go get you another one when interest rates come down.

Here's what I promise you. If you look at the money that Americans spend on sleep medications, it's way more than $2,000. And I'd be willing to bet if you owe nobody anything at all, your brain realizes that nobody can come take your house. You will have a sleep that you didn't know was possible. take your shoes off walk through the backyard the grass feels different dude for two grand man all you know all day you know if you told me you were making 50 60 000 bucks doing this or something we'd talk about it but for two grand that's just comical no you're not exactly arbitraging something here i mean come on pay your house off man do it right away right yesterday that's why we call them certificates

of depreciation cds let me tell you the number of millionaires that we meet that became millionaires because of their cds precisely zero precisely zero i've never heard that in my life ever i mean really now my grandpa because he was a child i mean he lost everything in the great depression and started had to start over got a job at alcohol aluminum worked there 38 years and he would straighten a nail out when you pull it out of a board and keep it in a coffee can he was cheap as cheap as cheap good scots irish man cheaper and cheap and uh you know what he wasn't putting any money in any stock market i can tell you that he wasn't putting any money in any mutual fund it was in a coffee can or it was in a cd and some of these were 17 back in the day well but that

doesn't matter i'll guarantee you but he did have over a million dollars but it not because he earned anything on it but just because he put that much in there it didn't go away that's all it was it wasn't like like it got like the compound interest worked in his favor because there wasn't much interest and there wasn't much compound you know so it just yeah but you can't argue with the result but uh yeah you can do that if you want to do it but i wouldn't do it i would for two grand i wouldn't be playing this game it's amazing the games we play and the risk we take uh without actually acknowledging it and when you actually run the nominal the actual dollar bills out not the percentages

it sounds so unsophisticated when you run it out with the dollars my friends in the nutrition space um say it's stepping over a dollar to pick up a dime or majoring in the minors it's like man just just eat right and exercise it's like yeah i know but what about this special diet what about this pill i can eat cat food and you can take witch hazel and do a little dance under the moon just exercise and eat healthy food man yeah i know but what about yeah what about what about don't eat seven big macs pay your house off there's that your house off oh darn pay your house off can't take it take a pill to get out of debt called dead and all this is the ramsey show

so uh our producer james went through the archives and a thousand years ago when blake thompson was producing this show he actually did a comedy bit on detenal uh john thought i made that up just a few minutes ago and i couldn't take credit for it because actually blake made it up and james found the old comedy bit you have yet does have a date on it it doesn't but i i would believe it's got to be 20 plus years yeah it's over 20 years ago easy It was before there was color on TV, wasn't it? All right. Here's from over 20 years ago what the Ramsey show,

then called the Dave Ramsey show, might have sounded like. Nationally syndicated talk radio host Dave Ramsey has often said that there is no magic pill for getting out of debt. Well, sorry, Mr. Ramsey, but there is. And it's called Detanol. Detanol is a 100% all-natural drug that is guaranteed to control your spending and control your desire to overspend. One pill a day and you will no longer feel the need to spend money you don't have. We have created this drug because we care about you. Detanol, the pill that cares.

Minor side effects may include fatigue, headache, nervousness, sore throat, explosive diarrhea, insomnia, drowsiness, horrible nightmares, gastronomical trauma, Oh, my! Hallucinations. That rat just said my name. Chronic Horrible nightmares. Oh! Gastronomical trauma. Oh, my! Hallucinations. That rat just said my name. Chronic halitosis. Woo! A slight cough and a runny nose.

Dentonol. Brought to you by the Credit Card Association of America. Credit. The easy way. Oh, this show used to be so good, Dave. What happened? Well, we brought on co-hosts. Yes, co-hosts. Got rid of Blake got rid of blake got rid of good old days you used to walk uphill both ways in the snow yeah that was probably done on a cassette tape

actually i'm trying to think i know the voice well the voice on the uh disclaimers blake the other voice what i think was bill hampton is. Is Bill Hampton? Yeah. Is it? Okay. So yeah, that's it's over 20 years then. Maybe 25 years old. That's funny. I don't care who you are. Still work, so timeless. All right. We'll have five

orders on the RamseySolutions.com store. I guarantee somebody will ask for... They can't find it on the website. Oh, you guys were advertising. Jordan is in Los Angeles. Hi, Jordan. How are you? I'm doing well, Dave.

Thank you. How are you doing? Better than I deserve. What's up? Yeah, so I just have a couple questions because I'm in just like a constant financial panic, anxiety, worry. A lot of it stemming from the environment outside of me um i can go into numbers with everything from personally in a bit i'll give you a little background so i i like a i did have a lot of early success in my late teens uh early 20s i'm now 27 um

within the entertainment industry and also just working my, my butt off. I've always been a good saver. Um, and then, uh, unfortunately COVID hit, which shut down my, every, my, my little role I had going on. And then also at the same time, it came down with a, with a pretty severe debilitating, um, underlying disease of Cushing's disease, uh, lupus and rheumatoid arthritis, uh, that has developed throughout the years. So, um, all of that has just led me to think that what is my future going to look like? Cause it's very hard for me to do physical labor. Um, my work right

now is pretty limited. Um, and I've just been stuck in this rut of, I don't want to, I'm anxious to, when I have to spend something as small as like putting 20 bucks in for gas all the way up to my rent, I'm just living in this fear and panic for my future. And I've been trying to think of an income stream because of my ailments. It makes it very difficult. And I've always been stopped going. So that's what's frustrating because my body is holding me back. I have like that entrepreneur mindset, but I just don't know what it is for me. Jordan, how do you think we can best help you today, son? I have like that entrepreneur mindset, but I just don't know what it is for me. Jordan, how do you think we can best help you today, son? I don't know how to manage what to do with the money I currently have.

Okay. How much money do you currently have? So I have, I'm incorporated. I incorporated when I was younger after I got a pretty nice job. Um, I have a, uh, in my business checking right now, I have, uh, about 24,500. I opened up a business CD, which has about 92,000 in there. I have a checking account of 8,000 right now. I have a savings account of 52,500. I have a checking CD of 40,600. Um, I have, I, uh, I, I did have, I wasn't a mutual fund when I was younger and there was some issues with the, the accountant who was advising it. Um, and so those got liquidated. And during my time when I was young,

I just watched a bunch of videos. And of course I bought a bunch of precious metals with a lot of that. How much is that? I have about 40 ounces of gold and 900 ounces of silver, which I believe right now is close to $100,000 total. Okay, so you've got about $400,000. Are you making any money?

Currently, and I do also have, I opened up a, a robo advisor in Schwab recently because I just felt like I was just doing nothing with my money. Do you have a house, man? Where do you live? I do.

I live in Los Angeles. I'm still renting. Um, do you have an income? At the moment? I do not. I'm in SAG. Um,

and yeah, nobody's working. Yeah. Yeah. Yeah. I'm in a sag. Nobody's working, yeah. I would be willing to bet, just friend to friend, you struggled with anxiety when you were younger, right? Started in my late teens, yes. What's the first time you remember that your body kind of took off on you and it scared you? In terms of my

health or my anxiety you both because they work together um yeah well uh about 20 years 19 19 years old my anxiety took off my health ailments kicked in a couple years later yeah and that's and and and again i don't want to get over my skis here and this this we could talk for hours on it but a autoimmune body is a body that is so red lined out that it's been trying to shut you down for a long time and it will find another way to shut you down right because it's it's tired of it's tired of fighting and swinging and running from everything and that's what you just described right and when you struggle with anxiety as a younger kid

it sometimes looks different than it does when you're an adult but then when you take that angst and then you go put it up on a stage or on a screen and all those voices telling you what how to look and what to stand and what you shouldn't do and where you should go man that's just a uh that's like taking a blender and putting it inside of a jet engine, right? And spinning that sucker up. And it doesn't surprise me, A, that you've been very, very successful because you're clearly brilliant, and you have been able to keep some of the anxiety demons at bay

through achievement and accomplishment and attaboys. And it also doesn't surprise me that your body said, I'm shutting you down. I caught up with you. Yeah. Does that sound familiar oh very it's very frustrating because again i am i will work and do whatever i have to do and right now here's what's important i don't think you're afraid of work yeah no you were dave's gonna talk to you about the money i want you to know that if dave if you follow dave

steps and clean up all your money and that's all you do you're gonna go with you on that journey and you're gonna have cleaned up money and you're gonna you do you're going to go with you on that journey and you're going to have cleaned up money and you're going to have an ounce of security there and then your brain's going to leapfrog to the next thing and you know that right because it's been leapfrogging on you for years yeah yeah so what what you've you while you've been an incredible income earner and it's apparent that you've done something that uh had incredible talent because people paid you a lot of money for it uh so uh what you'd never had in any of these situations is a sense of control you didn't feel like you're you felt like ever even though you had a big old

pile of money you still didn't feel like it was all in control and it still today doesn't feel like it's in control so i think there's probably a two-pronged approach here and that would be you called on the perfect day with dr john deloney here is um you're getting a sense of control in your life a sense of uh the chaos push back and you choosing to set up really firm boundaries with a whole bunch of things and say this is what what I do. This is what I don't do. This is what I do. This is what I don't do. And you've got some very clear kind of a black and white type response to everything because

your creative brain allows you to work out about 73 scenarios simultaneously instead of yes or no. And you just need to get real simplified and go to yes or no. And so, no, we don't do precious metals. Let's go ahead and cash those out and get those into cash. No, we don't walk around with no income. So let's try to figure out something we can put our hand to. Yes, we're going to send you a book called Own Your Past, Change Your Future from Dr. John Deloney.

Read through that because there's a whole lot of what's going on in that book is going on with you. We'll send it Building an Unanxious Life, too. I think that would be a good book for him. Can we get it out of here? Yeah. Okay, good. Let's send them both of those and throw in a Total Money Makeover book. We'll help you with the money part, too.

But it's controlling the controllables that's going to get this moving. This is The Ramsey Show. the money part too. But it's controlling the controllables that's going to get this moving. This is The Ramsey Show. Hey, it's Dr. John Deloney. If you love the show and want a deeper dive on your money journey, we have a weekly newsletter that gives you trending and helpful articles and tips on following the Ramsey way. Just go to ramseysolutions.com today to sign up for our newsletter. Again, that's ramseysolutions.com to sign up for our weekly newsletter.