The Ramsey Show - App - Draft Episode for Aug 10, 2023 -- Hour 3

Episode Date: August 10, 2023

Live from the headquarters of Ramsey Solutions, broadcasting from the pods of Moving and Storage Studios, it's The Ramsey Show, where we help people build wealth, do work that they actually love, and create real, amazing relationships john deloney host of the dr john deloney show podcast and youtube on the ramsey network is my co-host today he's also the author of the number one best-selling book own your past change your future and the brand new book we just launched pre-sale on uh and you can get a deal on it right now at RamseySolutions.com.

That's called Building a Non-Anxious Life. Jeannie is in New Jersey. Hi, Jeannie. How are you? Hi, Dave and John. How are you? Better than we deserve. What's up?

Okay, so I always get so nervous when I call. Okay, I have an Audi Q5 2018. I just paid it off in my debt squall in February. Something happened in April, and I found out that I had a $3,000 problem, and I was out of warranty. That was fixed. Fast forward to today, and, like, every time I go to my side hustle, I have to drive up a mountain. And lately I've been smelling, um, this burning smell and it

kind of scares me. And someone told me it could be like, um, oil burning in the transmission or something like that. And so, um, so then I started thinking like, you know, do I really need this car? I did pay it off, but, um, I just thought maybe I should be a little bit more proactive for once in my life because it would crush me if I had to use, like, you know, my emergency fund again when I'm trying to build it up. So I was thinking, should I look into extended warranties that would protect some of those big items? Should I sell it? You know, I did attempt to do that, and they offered me something really low. Who is they?

I went to a place called We Buy Any Car. Yeah. You know why they buy them is because they buy them cheap. So, no, that's probably not the point. Right, but I also tried to sell it privately. And, you know, people are just offering me, saying it's not worth what you're asking. All I really wanted was about $21,000 for it. What's the car worth, actually?

I think it's worth $19,000. Why? Why do you think that? I think it's because somebody told me that, I think. This is incredible, Jeannie. Yeah, your sources of information on all this whole story suck so what I want you to do is

I want you to go to the website kbb.com for Kelly bluebook.com and click on private sale and enter the statistics accurately on your car the mileage and so on and that will tell you about what the car is worth. And if that says $19, then you would sell it, try to sell it for around $19.

It is paid off, and you make what kind of money? Well, with the side hustle, I make about, I'd say I just started it three months ago. I would say about $150 or $160. $1,000 a year? Yes. Okay, good. Very good. What do you do for a living?

Well, I'm a school psychologist in my day job, which is the bulk of the money. And in my side hustle, I work at a psychiatric hospital. Very good. Good. Very good. Good use of your knowledge base, your calling, and so on. Very good. Good. Very good. Good use of your knowledge base, your crawling and so on. Very good. So, well, here's what I'm going to do if I'm in your shoes, right?

I'm going to fix the car, take it to a reputable mechanic, and tell him it smells when you go up a hill and get it fixed. Because you don't dislike the car. You're just afraid something's going to happen to it. Oh, see, I heard, Jeannie, tell me if I'm wrong, because I heard that you are just looking for ways to get out of this car because you don't like it. No, I do like the car, but I just.

But you don't even know if there's a problem yet. I mean, there could be a dead rat under the hood. Could be the smell. Yeah, it could be something you stepped in but i would smell it all the time i wouldn't smell it just going up the hill well it depends on the size of the major it still work yeah i i would or it could be somebody is like cooking oil into their house on that hill like who knows like you're making a lot you're doing a lot of work yeah we need we need to find out what's really going on with the car, okay? And by the way, if it has a $5,000 problem, it's not worth $21,000. Yeah.

Yeah, that's the other thing. Wait, wait, wait, what? If it has a $5,000 repair due and Kelly Blue Book says it's worth $21,000, it's not worth $21,000 because you you have a five thousand dollar repair due so you need to go find out what's wrong with your car and then that'll give you peace and help you make the decision about what you want to do with the car but um we're not going to have vague smells dictate twenty thousand dollar decisions that's just that's and we're not going to not get the car checked out so we can sell it and say we didn't know anything was wrong with it.

We're not going to do that. No, let's go ahead and have some integrity and just find out what's going on with it. Fix the car and decide if you want to keep it or not. Okay, you make good money. You got a paid for car. If you don't like the car, I'm okay with you selling it. But let's go find out what's wrong with it because of the you know, the motivation in this whole conversation is this, is the breakdown issue. And no, you never buy an extended warranty.

Let me remind folks how extended warranties work, okay? 80 or 12% is the easiest way to do it. 12% of what you pay for an extended warranty on a car or on an electronic appliance at Best Buy, which is not the best buy if you get an extended warranty, 12% covers the statistical probability of the cost of the breakdown. 88% is additional profit, marketing fees, and commissions. This is why car dealers sell extended warranties. They make more on the sale of the extended warranty in some cases than they do on the actual profit of the car.

So extended warranties are absolutely horrible mathematics. Never buy an extended warranty. But it might break down. No, it's going to break down. But the statistical probability of the breakdown and the cost of the parts that are covered by the extended warranty represent 12% of what you paid. So if you pay $2,000 for a dadgum extended warranty on a car, which people do all the time and finance it into the car,

that tells us then that $ that 240 is what you actually covered you got 240 worth of actual probability and the rest of it went in their pocket to make them smile i didn't think about also you pay it off over seven years so they're making a whole bunch more money on top of that yeah on top of that you financed it so you didn't think anything about it. And got some great stories on extended warranty over the years. But number one, they half the time don't cover the stuff you thought you were getting them covered because you have to look at it when you're doing it. And so you made assumptions about it when you're buying it. Don't ever buy extended warranties, but they're almost pure profit and marketing cost.

One more important thing. When you call somebody to talk about challenges with a car, don't lead with, I got an Audi because I thought we were talking about her belly button at first. Oh, my God. I drive an Audi. That's the way you enter into that conversation. Just saying. Oh, I can't take you anywhere.

This is the Ramsey Show. Thanks for joining us, America. We are so glad you're with us. We appreciate you. I'm Dave Ramsey, your host. Dr. John Deloney, Ramsey personality, is my co-host. Our question of the day is brought to you by Neighborly, your hub for home services. Neighborly's got 19 service brands nationwide and a network of local service pros. Molly Maid, Mr. Reuter Plumbing, and Lawn Pride, to name just a

few. Visit neighborly.com to find available service providers near you. All right, today's question comes from Amanda in Oregon. Amanda writes, my husband and I got married last May. At the time, I did not realize he had over $25,000 in credit card debt plus a personal loan. I also didn't directly ask him if he had a bunch of credit card debt, but we did have a conversation where he made it seem that we were on the same page. I have a little debt, a $5,000 credit card and $8,000 remaining on my car, and I've been working to get this debt paid off

when I found out about his. At this point, do I keep snowballing my debt or now reconfigure everything and put my money towards his debt as well? Oh, Daveave this marriage is in trouble already in trouble already um my friend amanda number one you got to deal with the trust issue here um sounds like y'all had a conversation and he heard what you had to say about it and he was dishonest by his silence

and second yes now that you know it's here this idea that you're going to pay off your quote-unquote little debt and he needs to pay off his big debt and you got to take your money and put it on his debt y'all are married this is y'all's money paying off y'all's debt this is something y'all do together and that tells me that y'all are married and y'all's debt. This is something y'all do together. And that tells me that y'all are married and y'all are probably doing a decent job so far being roommates, but y'all are not all in together on this deal at all. Yeah, it's very, very important

that you combine your incomes and combine your debts and change your pronouns. You're now French. Oui, oui, oui. Us, our, not his, mine. And that's your best route out. And that's going to involve a commitment from him to extreme honesty from this point forward.

And by you to clearly ask questions. And the two of you need to be on a written, detailed budget together. from this point forward and by you to clearly ask questions. And the two of you need to be on a written, detailed budget together where every dollar of your household income, the whole income coming into the house, is going to be spent on the EveryDollar app. And both of you see where every dollar is going before the month begins. And both of you are in agreement, and both of you see where every dollar is going before the month begins, and both of you are in agreement, and both of you stick to that. No secrets.

No side jobs. No side issues. They're side jobs. The money goes right on the top of the budget, just like everything else. But there's no little deal where you've got this secret target fund, or he has a secret gun fund, or whatever it is, right? I might have had a secret gun fund one whatever it is right i might have had a secret gun fund one time but i don't couldn't have that in oregon they'd have to have a high high five

that's it yeah that's there's that okay but but so here's and we're going to be doing the marriage and are the money and marriage getaway event for them in nashville it's october 19th and 21st um and guys if you guys want to come to that, there's a few tickets left. Rachel and John are going to be doing a three-day long event with some other outside speakers coming in. Very interesting lineup and a lot of stuff covered on the money issue

and on the marriage issues. And it's a whole Nashville weekend. It's going to be a blast. Yeah, it's going to be everything from lessons on money and how to deal with conflict and sex and intimacy, the whole thing. We're not leaving any stone unturned.

And we've done some preliminary calls with folks who've already bought their tickets and were part of the platinum purchase that sold out. But people aren't interested in having as much of a kumbaya experience as they want to get in and do some hard work. And we also have a lot of cool, fun Nashville things planned for the weekend, so it's going to be a blast. Yeah, there's some good Nashville participation. It's going to be a blast.

RamseySolutions.com slash event for the money and marriage event. And in your case, Amanda, you guys are going to have to work really hard to get on the same page. And that's trust. And that trust is built by cooperation and spending together and lots and lots and lots of clear, no-deception communication. And no deceiving by silence either. I think that's the worst kind.

I mean, i almost rather you'll just lie to my face with your mouth than just sneak around let me feel like in my heart we're on the same page yeah then just sneaky just sneaky like you know yeah passive aggressive so in this kind of situation i think the smartest thing to do would be both of y'all go pull your credit report let's put them on the table and let's go let's go top to bottom i think make amanda feel better about what's actually out there because now she's got that little bit of doubt that would make him if he's just kind of a clueless i don't know then everybody can be on the same page yeah and you can't loaf your way through this now you're gonna have to deal with it every dime of it yeah that's that that's the only shot

you got because if you guys continue to half but do this relationship and half but do this money and either one of them is going to work and that's what you've been doing all right elizabeth is with us in cincinnati hi elizabeth how are you i'm fine how are you guys better than we deserve what's up uh well first off i love the book and i loved meeting your daughter, Rachel, a couple of years ago. Well, thank you. And our oldest son is the one who introduced us to Dave Ramsey. And after we seen Rachel, we went home and we got busy. Okay. And we are, me and my husband both, we'll be turning 60 next month.

Mm-hmm. And we have seven children who are now all out the door yay and yeah and we have really worked really hard and we were very late in starting 401ks once we started doing all of our savings we had a couple of catastrophes in our house, which we had to do complete remodels, guts, bathroom and kitchen because of black mold. So it wasn't beautification. This was health issue. So goodbye savings. And at this point, we only have a house payment, one car payment with $1,600 left on it. And after COVID, my husband took a 10% cut in pay, lost his bonuses. And with the remodels that we had to do,

I budget everything. I use spreadsheets. We use cash allowances. But I'm to the point now, my husband has turned over the finances to me, so I don't want to disappoint him. I want to keep him on the same track. So my question is, we are late getting our 401k, but we have a hundred thousand. We owe 73,000 on our house. Her house will not be paid for until we're 72.

And we have an $8,000 credit card deal because it's a medical, because our savings was gone. Do you have any savings that's not in the 401k? We have $6,000. Okay. Which book did you read? The Total Money Makeover, and I've had to start over. Yeah, you two both.

You need to both of you get the book out, because number one, he turned the money over to me. No. total money makeover and i've had to start over yeah you two you two both start over you needed both of you get the book out because number one he turned the money over to me no well no no no no don't don't well me no just no no the two of you need to sit down and make these decisions together you don't get to carry this by yourself superhero you don't get that privilege the two of you need to make these decisions and carry this weight and he doesn't get to bow out like a coward and say oh whatever i'll just he didn't get to do that either no so what does he make he makes 113 what do you make um after my our son passed away i kind of checked out for a little bit, but then I ended up being the caretaker for three parents. Are you still?

Yes, I am. Are they paying you? One of them does. Good. Okay. So you need to get the book back out and start working back through the debt snowball. Leave your 401k alone. Get the stupid credit card paid off, the stupid car paid off, and then let's build an emergency fund, and then let's put 15% of our income away, and then

let's start working on paying off the house. And both of you need to do everything you can to maximize your income, and I want you debt-free house and everything in five years. You can do that. Hey, you guys, health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So if you feel like the system is working against you, try a biblically-based alternative to health insurance, Christian Healthcare Ministries. CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours

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RamseySolutions.com slash store. Ryan is in Birmingham. Hey, Ryan, welcome to the Ramsey Show. What's going on? Hey, what's up. Hey, Ryan, welcome to the Ramsey Show. What's going on? Hey, what's up? Hey, man. So I just had a couple of questions for you. I recently have quit gambling, and I'm kind of in the hole right now,

and I just need some advice. What kind of gambling were you doing? Specifically, double-deck blackjack and a fair amount of poker. Online? No, sir. How much have you lost? I'd say about a year ago, I had a four-day stretch where I won and lost about six figures. So you recently quit gambling.

Tell me about that. What's that mean? I'd say I haven't played cards in about two months. And my debt to income is great. I just keep putting myself in the same hole. Yeah, so you've had a gambling problem, and you just decided I quit, and that's it. That's all you've done. So what'd you backfill that hole with?

Man, I am behind on rent, three car payments. I owe probably about twenty five hundred dollars to friends of mine and uh right now i'm just kind of living check to check but you quit gambling 60 days ago so what six months ago six months ago what have you done in the meantime that has continued to make your your life problems so challenging well so i took a loan from a friend for about 10 grand and then i was paying him back payments after i'd lost that uh large sum of money and uh so i've been kind of paying him back when i can um and then my student loans just said i've got about $84,000 worth of student loan debt.

What do you make? That's about probably around, I'd say, I'm in sales, so I'd say this year I'm on track to make about $150,000. And you're single? Yes, sir. Okay. How old are you? I'm 22. What have you... Have you been going to Gamblers An anonymous or are you seeing a therapist or

anything uh i just i had my first uh meeting with a counselor a christian counselor on wednesday good for you another meeting next week okay good i appreciate it that's what that's what i was worried about okay good yeah my dad he's a pastor and man, he acts like he doesn't have two dimes to rub together. But, I mean, he'll definitely retire a millionaire for sure. And it's hard to talk about my finances with him because he'd be so angry with me. You know, and so, you know, I kind of just accepted the fact that I needed help. Good. I'm upset with myself. So, time to make some changes for sure.

An important part of getting well is finding, this word gets thrown around culturally. So I don't mean in the never tells me the truth kind of way. It doesn't hold me accountable kind of way, but part of getting well is finding a safe person or safe people that you can actually say, hey, I'm not all right, and I've dug myself a mess. And sometimes our dads aren't that. Sometimes our moms aren't that. Sometimes our spouses aren't that. It doesn't relieve us of the fact that we've got to go find people, and I'm proud of you for doing that, man. Yeah, that's a very important part of this conversation, Ryan. Now, now that you've done that, what you're trying to do is

you're trying to move from chaos, which this out of control feeling that an addiction gives you, and the chaos that results in your finances and the chaos that results in your career and the chaos that results in your relationships. You're trying to move wisely from chaos to order. You're trying to bring order to these different areas of your life that's at least what you should be doing but it sounds like that's what you're asking to do and i'm proud of you for that as well so the thing we're going to do with your money is we're going to put you on a very strict budget where you don't get to do anything except pay off debt and i want you to list your debts smallest to largest and start paying them in that order and i don't want you going out to eat i don't

want you in a bar and i don't want you doing anything except working and uh getting these debts cleaned up did you say you're three car payments behind, or you have three cars? Oh, no, I'm three car payments behind. My next check hits tomorrow. Can you bring it current with that check? So my rent, I spend about $1,500 a month in bills. And, you know, now that I'm behind. How much are the car payments? It's $259.

Okay, so you need $750. What's your check going to be? It's going to be about... My protection is going to be about $987. It's my draw. So I'm on a $2,000 draw, and then I get my commission at the end of the month. Okay, you have any money in your account now?

I have about $100 to my name right now. Okay. I want you to take it, and you haven't paid the rent yet? No, sir. How much is your rent? It's about $1,000. Okay, I want you to call your landlord and tell him that you're going to pay him two rent payments at the end of the month, that you can't pay him right now because you've got to keep your car from being repoed.

Okay? Yes, sir. And call him when you get off the phone and tell him that and he's not going to do anything he's not going to like it but you're going to pay him two payments at the first of the month because you got enough coming in to do that because you're making good money you're just not made but it all comes in at the end of the month right yes sir okay and you only can do two things right now with this with this check eat and the car caught up, because at 90 days, they're going to pick the car up, man. Yep. You're at the repo point. They are not going to screw around. You're going to look up.

There's not going to be no car in the driveway and a wrecker running down your street. That's right where you are. Yeah. Who do you owe this money to? You're talking about the gambling debt? No, the car payment. Oh, it's Kiesler Federal Credit Union. Okay.

So that's a local credit union in your area? Yes, sir. I think they're based out of Biloxi. Call them and see if you can give them two payments out of this check tomorrow and give you a little bit of money to get. Is your electric bill behind, too? Wait, what was that? Is your electricity and water behind as well?

So I have a roommate, and he's taking care of that, and I've kind of filled him in where I'm at, and he's taking care of some of the utilities. I'm going to have to pay him back. Okay, all right, because here's the rule you're looking for, okay? Food, shelter, clothing, which you probably don't need any of, transportation, and utilities. Everyone else waits until those are current.

Food, you eat. Not out to eat. Groceries, bologna, hot dogs, beans and rice, okay? Food, utilities, shelter, which is rent, and transportation. You get this car straightened up. You get your landlord straightened up. You get your roommate straightened up on the utilities. Before we talk about paying anybody, I don't care who they are.

You've got to take care of your four walls of survival before you move on to the next thing. Does that make sense to you? It does, absolutely. It is the fastest way for you to get to these other people. Now, once your car is current, what will you owe on it? My balance is about $12,000. Good.

And what do you owe? You have $10,000 on a gambling 12 good and what do you owe you had ten thousand dollars on a gambling debt and what else um i owe i owe 900 to a friend of mine uh who lent me some cash what else 1500 uh 1500 to a friend okay and your and your check at the end of the month's gonna be what 10 grand five eight grand roughly it fluctuates between about $8,500 to... So you're going to be able to clear up almost everyone but the big one and your car. And by Christmas

the big one and the car are going to be cleared up. No debt. You feel the chaos leaving your life? Feel the order happening? This is what we're doing. Very precise. Follow this exactly. Hold on. We're going to get you with a counselor in your area, a financial coach.

We're going to furnish it free. We want to be part of you changing your life, young man. Hold on. Our Scripture of the Day, Proverbs 12, 25. Anxiety weighs down the heart, but a kind word cheers it up. Corrie Ten Boom said, God takes our sins, the past, present, and future, and dumps them in the sea and puts up a sign that says, no fishing allowed.

You got to love Corrie. Open phones at 888-825-5225. Elise is in Phoenix. Hi, Elise. Welcome to the Ramsey Show. Hi, gentlemen. Thank you for taking my call today. Sure.

How can we help? So my husband and I are currently on baby step two. We have roughly paid off about $40,000 since 2020. We're also cash flowing a wedding, a bachelor's degree, and a high-risk pregnancy. And we have about $18,000 left. Y'all been busy. Yeah. Since having our son in November, we have had a whirlwind of a year.

We lost my mother-in-law to cancer in March. We lost my grandfather in June. And we lost my husband's grandmother on Monday. We lost my mother-in-law to cancer in March. We lost my grandfather in June and we lost my husband's grandmother on Monday. Oh my goodness. Wow. Yeah. So we've been handling my mother-in-law's estate. There was no will or trust. So we've been hunting down individual accounts with my husband and his brother listed as beneficiaries and we're starting to receive some of that money um we've been treating our situation as a combination of storm mode along with baby step two um because you never know as like her medical bills and things are going to come in so we're trying to make sure that we have a stash set aside. You're not liable for her medical bills.

Okay, good. Her estate is. Yeah. The money that's in her name has to be used for those before you get to take it as heirs, but you're not personally liable for her medical bills. No, we're just the ones that are handling that. Yeah, so you don't need a storm mode because your personal finances aren't affected by her situation. Beautiful.

So that was my first question because we received an annuity from her and currently have $31,000 in the bank. And that would take out the rest of the... That was a benefit? You were the beneficiary of the annuity? Yes. Okay, that's your money. That's clear of the estate. You don't have to worry about it. So we can go ahead and use that for baby step two and you can use that for anything you want to personally awesome um so we'll probably handle that today um the second step we just transferred

about 77 000 in single stocks into our name and And then we have an inherited IRA and an inherited 401k that will be split between my husband and his brother once we're ready for it. With losing everyone, we're just trying to cling to stability. And so what we were wondering is if it was a wise decision to liquidate some of those single stocks for a good down payment on a house next year. I think you're too much in the middle of the fire to worry about a house right now. Don't do anything. I think right now you just clean up and get to calm. Clean up and get to sit.

And then just sit in this a little while probably next year if you have extra money above your emergency fund and you're 100 debt free we'll talk about a house yeah that's probably exactly what we'll do but please please please please don't spend money that you don't have yet and even these inherited whatever's if she's got bills to pay you're gonna have to go to pay off the off the estate, and you're going to feel like these companies stole from you. They didn't. They just need their payment.

Let me stop you a second. There's two categories of money in her estate. There's stuff that named you a beneficiary. If there's life insurance and you're a beneficiary, your husband, that comes straight to you. That is not in her estate. That annuity comes straight to you as a beneficiary. It is not in her estate that annuity comes straight to you as a beneficiary it's not in her estate those stocks are not yours that checking account even if your

husband's name on it is not yours that money has to be used to pay her medical bills okay before you clear up anything okay so unless it came to you and it caused it was in your husband because it was in a named beneficiary it has to be used to pay the bills of the estate now an inherited ira did it have a named beneficiary on it yes okay same thing then that is outside of the estate it is not subject to her other bills but that stock you're talking about those checking accounts those are you got to keep that separate over to the side until the bills are cleared okay you see the difference yes because those weren't in your name the other the other was named directly, not you, your husband, named directly to him.

So I think it's going to be worth your all's while to spend $500 or $1,000 with a probate attorney to help you sort through this and do this properly, because you're going to have to file some of this stuff with the judge. Okay. And you shouldn't be a huge attorney's fee. I wouldn't pay much more than that, but $500,000 should get that probated and, you know, get the stuff transferred. Was there a car as an example? Yes.

Yeah. So you can't transfer that title without a court order. Okay. So, because you can't sign her name. She's dead, right? You have to sign on behalf of her, and the court has to give you permission to do that. So, yeah, you guys need to get an attorney,

and that'll help you separate the things we're talking about. But when the smoke clears on this, if the medical bills aren't too high, it sounds like you're going to be debt-free with a nice nest egg above your emergency fund. And, yes, maybe this time next, I'm going to be thinking about, or after the first of the year, I'm going to be thinking about getting a car, or getting a house rather,

and being debt-free and having the emergency fund in place before you do any of that. Good question. And God help any listener who doesn't have a will. Yes. Gosh, get a will. Get a will. Get a will. Get a will. Get a will.

Get a will. It does not increase your probability of death. No. You're not going to make it. You're not going to make it. You're going to die. You need a will. Go to Mama Bear Legal Forms and get a will.

Go to a local estate planning attorney and get a will. But somewhere get you a will. You're not that expensive. It's not that complicated. Yes, it's weird talking about dying. But guess what're gonna die i'll help you with it you're not gonna make it get a will please save all this problem listen to that sweet girl lost three family members in the period of just a short few weeks and now has to deal with this with and doesn't they're out like a treasure hunt looking for accounts yeah when they should be sitting on the front porch hugging each other

telling stories about how much they loved you yeah and instead yeah they're combing through your stuff you got a metal detector in the backyard looking for the coffee can where you hid the money get a five get a good will get a will wow it's bad and right before you get a will get a will wow it's bad and right before you get a will get a budget that was a bad segue but yeah maybe one of the worst segues ever ever ever ever ever hey we're doing a free every dollar budgeting webinar with rachel cruz august 15th next week if you want to watch this webinar with Rachel teaching you how to run the every dollar software, the every dollar app properly with an irregular income,

working the baby steps in great detail. She's going to do that. It's completely free. Jay did one yesterday with 10,000 people in attendance. It was pretty amazing. So Rachel's is next Tuesday. I guess it is August 15th, whatever that is. That's right. Tuesday. I guess it is August 15th, whatever that is. That's right. Tuesday, I think. Anyway, August 15th, next week.

For most of you listening, go to every dollar dot com slash budgeting and you can sign up for this free webinar and get get get the every dollar app. Start working because every dollar is by far the best budgeting app out there. Not there's not even close second. I know people think about this or that. Let me just tell you, we've got tens of millions of people doing this. So be sure to check this out. And if you need help, like I said, 10,000 were with Jade yesterday. We can handle it. August 15th, we're going to have some more scheduled over the next 60 days with george and rachel and jade but this coming week is rachel august 15th every dollar.com slash budgeting and um that'll get you going for sure without a doubt so uh dr john deloney good show today

thank you so the i guess the the key takeaways are pre are pre-buy my book, get a will, get every dollar app. Just summed up the show for everybody. That was smooth. You know what? People think John Deloney, that's the next word they think. That's what they think. That guy's smooth. Austin, Ben, James, Zach, and Andrew in the booth.

The booth dudes did a great job today. I'm Dave Ramsey, your host. 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. Hey, it's Dr. John Deloney. If you like what you heard in this episode and want to know more about getting started on the Ramsey Baby Steps,

go to ramsesolutions.com and click on the Get Started button. We'll help you figure out the best next step for you based on your specific situation. That's ramsesolutions.com and click Get Started.