The Ramsey Show - App - Finance Is Always Personal (Hour 2)

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, Ramsey personality, number one best-selling author of the book,

Own Your Past, Change Your Future, and the new book coming out, Building a Non-Anxious Life. He hosts the Dr. John Deloney Show on the Ramsey Network. If you've not heard it, you should tune in. It is a highly popular podcast, YouTube show that is exploding because he helps people with relationships, with mental health things with boundaries with um all the things that people do it's uh sometimes very

serious sometimes very fun and uh you always will learn something phone number here if you want to talk about life and money is easy it's 888-825-5225 sam Samantha is in Kansas City. Hi, Samantha. How are you? I'm doing well. How are you? Better than I deserve. What's up?

I just lost my husband about 146 days ago. Wow. He took his wife and our home. Oh, no. And I, no. Yes. How old was he? 52. What was his name, Samantha?

John. I'm so sorry. Thank you. Wow. You have children? Yes. What age? My son is 23.

He's an engineer. My daughter is 25. She's a nurse. Are they in the area? Yes. We are all very close. Good. Good.

I'm so sorry. How long were you married? 26 years, together 27. Oh, my man. I can't. I'm so sorry. Wow. How can we help, darling? I am trying to figure out if I am worthy enough to move,

could carry any more, if it would help me with the guilt, and if I could afford it. I think that I can. I just need an outside, neutral person to walk me through it. Tell me about the word worthy. What do you mean? I think any time that someone finds their significant other or a family member, something of that nature, in that fashion, that there's always guilt that you carry with that. There's a big burden to bear.

And so you start to feel extremely stuck. And you feel like if you leave the place that you were together, that you're disrespecting that person. And I've tried every day to respect him. I write to him. I sing to him. I talk to him. I talked to him. And so I'm very isolated because my, my children panic when they come here. My parents don't want to come here. And I have this really interesting relationship with my home,

but I also know that I need to leave it to move forward with my life. It's just going to be difficult. I completely agree. Yeah. Can I be super, super direct with you? Is that okay? Absolutely. Okay. Thing number one, I don't ever want you to ask the question, am I worthy again? Got it? Okay. Answer's yes. Okay. Okay. Answer number, I'm going to tell you a quick little aside. About a year ago, I was cleaning out a closet upstairs and I do this every couple of years and there was a tweed jacket that my granddad gave me, one of the greatest men I've ever met. And it has never fit and he passed away a couple of years ago. And I remembered him. I laughed a little bit because he had a funny thing he always did. And then I put it in the keep pile. And as

I set it down, I immediately picked it back up and I held it. Then I put my fist in my chest. God, I might end up getting choked up again. And I said out loud by myself, my granddad is not in this jacket. He's right here in my chest. I need you to hear me say, your husband is not in that home. He is in your heart. And that's where he's going to be. And did that man love you? I hope so. I'm going to tell you right now, he loved you to the end of the moon. And he probably got sideways in his own mind and thought he was doing everybody a favor.

Right? I agree. And so, what I want you to hear me say is, the greatest way to honor him is that you go be well and being in that home where you can't i don't have access to your family where you don't have access to yourself you don't have access to your your kids is not helping you be whole every time you walk down the hall and you you see it all again you've seen stuff that nobody should see i've been in those homes in the middle of the night. You saw it, and it stamped itself on your heart. I suggest if you were my sister, I would tell you to move out of that house. If you were my mom, I would tell you to move out of that house.

Move out of that house. Okay. What will it sell for? $420. $420. Or more. Okay. And what do you owe on it? What do you owe on it what do you owe on it nothing

nothing nothing okay and you live in kansas we always followed your plan okay so samantha you have 420 000 go buy a house okay okay or if you want to rent for six months and cry and then buy a house oh i think i've done enough done enough of that. Well, you only have 146 days of it so far. Yeah, you're not done. And when you sell this house. To quote the lady I'm talking to. It'll be hard, right? Yeah.

If I'm you, emotionally, spiritually, financially, everything, you're best shot at healing and putting this horrible tragedy in the rearview mirror, not forgetting him, but putting the thing in your rearview mirror and living into your future, not living into your past, is to not have to walk down that hall again and see that image in your mind every time you walk down the hall. Am I wrong? Right.

No. I would call, go to RamseySolutions.com, get a real estate ELP, tell them what happened, tell them what's going on and tell them put the house on the market by saturday i want you out of there okay and i want you to tell you how's that feel yeah when i said that feels good feels really good i always wanted to call you and tell you i was debt free and um i'm'm debt-free. You are. You are. That's not why I'm calling. You are.

And you're about to have a whole different level of freedom right now, and it's not going to be... Dishonoring. Yeah. Your call in life is not to run a museum. That's not your call. It feels like a museum, and it feels like a grave. It's both.

It is. It is all of the above. And it's time for you to go turn the lights on somewhere else and live. I want you to call your kids and say, hey, I'm about to go through it. We're going to have some joy and we're going to have some hell. And I want you all with me. Y'all come over here and get what you want because I'm getting ready to shovel this stuff into the dumpster in the back and we're leaving. That's, you know, get a construction dumpster out there and fill it up.

But I want you to look in the mirror and I want you to put your hand on your chest. I want you to say out loud, John is here. He's not in this house. He's not in this house. He's not in this hallway. He's not in these walls. He's here in your heart. And it's time for me to go. Dr. John Deloney, Ramsey Personality, open phones at 888-825-5225.

Thank you for joining us. he's my co-host today i don't i don't think you can walk away from that last call without kind of unpacking a little bit and just keep going and talk to somebody about their 401k or something so i'm not going to um i and i don't know exactly what to do with it other than it's just a heavy thing, a heavy call for her to start this hour out with, for her to call and say, 146 days ago, my husband took his own life in this home. Do I sell this home? There's so many different elements of that. One of the things we dealt with during the Fauci quarantine was non-essential workers, essential workers. The suicide rate during the COVID craziness, that's being kind,

the suicide rate was out of control. Just a lack of, I don't have any worth, I don't have any purpose or value. You tell people they're not essential, you send them home, you trap them without contact to other humans, and then you watch the suicide rate go up. And that wasn't his case, obviously, because this was just 146 days ago. But that got us on this show and on your show talking a lot about people considering taking their own lives and just reminding people,

don't. Talk to somebody, for God's sakes. That was an important thing that I ran across years ago in grad school was this idea that how many people end up taking their life because they think they're helping other people out. It's called perceived burdens. They'll be better off. Everyone would just be better. The world will be better off. Yeah. And it becomes this altruistic thing, Dave. And I can't tell you the number of suicide scenes

I showed up to. There was so much thought and care put into the act of taking your life so that those coming after won't be bothered by it. And I thought, if you, the amount of love and care you're putting into this, if you could just see that that's how they feel about you, right? And so, man, if you do feel that, please, please, please, please call somebody. And on the other side side i think with that last call or something that you called out dave those moments get baked into our nervous system and often a change of

environment however hard that is is really important because your body puts a gps pin in this place and those images and that night and um as painful as it can be, sometimes a change of scenery is really critical. You know, I hadn't thought about that. But, you know, I had this experience last night. Sharon and I went to dinner in downtown Nashville, which is about a 30-minute drive, 40-minute drive from here. But I grew up in Nashville. My whole life I've been here. So 60 years I've been in this town. So I drive past certain intersections, exits,

go down a certain stretch of a certain road, and I completely remember joyful things, sorrowful things. There's a GPS stamped in those things. I never thought about that. But it happened last night. We're driving past this exit, and I went, I remember that guy used to live up there. He was a good old guy.

You have a fond, but you probably also have. It was a fond memory in that case. Sometimes I remember that guy's up there, and he's a twerp. I remember that too, but yeah. What I remember is driving past an intersection where I had a wreck. Yeah. And I find myself gripping the steering wheel a little bit tighter without even thinking about it. And it's this extra level of control, it's it's it's beautiful how the body works i didn't even think

about it but my body remembered that one i was 16 years old driving to green hills on harding place to pay off my car going to the bank and i hit a guy and tore the front end out of my car he slammed on his brakes in front of me i was raining i slammed on my brakes i was driving too fast i was 16 and i hit the back bumper of this truck and tore the whole front off my car getting ready to go pay for it i can definitely show you where that was yeah and i that was i was 16 i'm 62 but if you and i were just driving in your raptor just chit-chatting i'll guarantee you i don't drive past that without you exactly what you're talking about that's right your body keeps the score. It remembers. And that's 50 or 40 years ago.

Yeah. That's wild. I never thought of that. And listening to her talk about her kids, like kids saying, I can't go into that house. Yeah. Absolutely. Of course they can't. They're tied into that body.

And that guilt when somebody that you love dies by suicide, that you have that, what did I miss? What conversation did I not have? And it just haunts you and haunts you and haunts you. It's not you. Yeah. It's not you. Yeah.

So much pain and tragedy around that particular type of loss. Yeah. Yeah. So for God's sakes, we've talked about this during COVID a lot. If you're struggling with those kinds of thoughts, A, the world's not better off without you. B, talk to someone now. And let me say a C and this is counterintuitive when I'm about to say, um,

there's a great researcher who studied folks who jumped off the golden gate bridge, which is one of the epicenters of, of geographical locations jump, who talked to people who jumped and lived. And when they did, because, because I would think if I intervene, of geographical locations, who talked to people who jumped and lived. And when they did, because I would think if I intervene, if I say something, if I get in somebody's business, when I find out they're considering taking their life, dying by suicide, they're just going to find another way to do it.

And what they found is those that jumped and lived, a vast high 90% went on to live a long life yeah and so it was not try again it was this moment like if you will intervene it can be different from here on out yeah right so if you know of some don't my friends and family know deloney will get in your business right yeah there's no no holds barred once you say that game on baby i'll call him well you can't tell anybody tough i will i'm telling yeah don't be my friend i'd rather you be alive five years from now and hate me than not be here i'm definitely gonna let you be pissed i can handle that all day long i can handle that count on me telling somebody yep yeah just count on it count on me throwing flares up calling 9-1-1 whatever it is because we're going to make sure of that because we care about you, and other people do too. So that's the thing. Open phones here at 888-825-5225.

Evan is in Boston. Hi, Evan. How are you? I'm good. How are you doing today, Mr. Ramsey? Better than I deserve. How can I help? Well, currently, my stance in life, I'd like to diversify my portfolio a bit better because I feel like I probably have the ratios a bit wrong.

And as I tread leaving my college degree, it probably would be my best interest to get the foundation started before I end up continuing my career. Okay, so what's your investments in? Currently, I have $30,000 in stock just in a brokerage, and then I have another $15,000 in a Roth IRA that I started a few years back. That's why the contributions aren't as high. And then I just have $5,000 sitting in a checking account. Okay. I don't think you have anything to worry about much except your stock. And obviously,

single stocks are less diversified than a good growth stock mutual fund. That's why I don't buy them. I buy good growth stock mutual funds. And that same $30,000, instead of being in five or six, seven stocks, it'll be in $90,000 to $200,000, which will give you a lot more safety. So I would definitely do that and make sure that your roth ira is in a good growth stock mutual fund as well spread out but um that's your foundation and then are you have any debt no good i don't have any and so you said you're graduating from school right yeah what's your degree? My degree is currently finance and corporate investments. Okay.

When will you start your new job? Well, the job, I'm still not done. I'm just now starting my senior year. I'm still debating whether or not I want to go for my master's. Okay. And what's nice is Walmart covers all that fees. I'm sorry, you're working for Walmart, so they're paying for your master's? Yeah, one thing with Walmart that's kind of uninteresting is you don't have to be there

for a certain amount of time. You can walk in on day one, and as long as your major is supported, your books and your tuition are fully covered by them as long as you work. Okay, and why do you want to get a master's? I assume you mean an MBA. Yeah. The only reason would be to just extend my knowledge even further. I'm a very analytical guy, and I wouldn't want to leave anything on the table that would help me in a deer situation. Oh, you're definitely going to leave some things on the table.

A hundred percent, dude. And sometimes the most analytical guys, what they really need is real life um on the floor trading experience yeah so i'm okay with getting an mba uh getting one just because you want to collect knowledge probably not um it's okay but um getting one because you've been in some street fights and some business deals and then you want to learn some more that makes more sense yeah i i if you if walmart's paying for it you want to go do it, that's fine. But you don't have to have that to be complete.

I'll tell you that. Working at Walmart will give you some lessons, though. There it is. That's wrong. This is The Ramsey Show. Thanks for joining us, America. We're glad you're here. If you like the show, you can help us by subscribing.

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because you're basically our marketing budget that's how much we think of you so there you go oh and by the way leave a five-star review we We'd love that, too. Thank you. All right, Max is with us in Detroit. Hey, Max, what's up? How are you, Mr. Andrews? Better than I deserve. How can I help? Okay, quick thing. My dad and my mother, I had last year, my dad caught, he got sick and he had got lung cancer.

So I live in Michigan, so I had been traveling back and forth, taking care of my mom and my dad through the chemo and just past of last January, he just passed away. He didn't really, Oh, thank you. He did really good in the stock market, but when he got sick, we didn't realize till after the death that so much money had been lost through the investments. Okay. So I put her back with my aunties and then back in Chicago. That's where originally we're from. Month has,

you know, kind of passed, you know, the healing time a little bit. It's kind of easier, but she's been really on me about moving her back to Florida and just quitting my job and just taking care of her. Okay. So you talked about a series of investments.

So is there a lot of money that your parents had? Well, you know what? When we started, when my dad was talking to me, we was at about $725,000. But now we're down to $400,000. Why? Because no one took care of the stock market when he got sick. Well, honey, the stock market hadn't gone in half. Well, whatever investments he had, it went down.

No one took care of it. Who's taking care of it now? My cousin took place of it because he's the only one that really kind of was investing in the family. Why is your cousin taking care of your and your mother's money yeah max this is a whiz mine's gonna be gone overnight in a vapor i don't know because he was the one who just my mom was like well nick knows how to do the stuff in investing and kind of How old is your mother? 86. Yeah. Okay. We still have the house in Florida.

It's fully paid for. But the thing was, I'm in Detroit. You live in Detroit. What do you do for a living? Yes. I live at the, well, I work at the casino. Okay. Do you want to live in Florida? No.

I want to actually go to Texas where my children, I have all grown children and grandbabies. And my ultimate goal was getting back to Texas. And then this had happened to my dad. And now my mom is by herself. I'm an only child. So here's what your mom needs to do. She needs to call Nick and get her money. And she needs to sit down with you and a good investment broker and put her money to work

the money that the four hundred thousand dollars will earn for an 86 year old can hire her someone to help her to help take care of her right that's what we that's what she wanted to do she's like that's what she needs to do and that's not you that's no then that's what i feel sometimes but then the do she's like that's what she needs to do and that's not you that's no then that's what i feel sometimes but then the whole family's like the only person i don't care what the whole family don't get a vote max doesn't want to go they don't get a vote max now if your mom wants to move with you to texas then you can lay that out and say i'm happy to have you come move in with me in texas and we'll hire some skilled nursing or whatever we need at the house. I don't know what taking care of her means.

But Max, just all these people telling you what to do, living their life, getting to use you like a Nintendo joystick, they don't get to do that. It's not their life. They don't get to vote. I feel bad.

Why? What'd you do? Because I'm an only child. What'd you do wrong? But if you invite your mom to michigan you've been taking care of your mom you've been taking care of your dad your appearance tree they didn't want to do right they didn't want to go to michigan when i said let's go to michigan but that's where their daughter lives their choice if they want me to take care of them they have to come where i am yeah she's a grown-up she gets to make adult decisions she

does not get to dictate to you anymore with her mother voice you are like a grown person and she's an 86 year old old woman right and she is trust me dave and i talked to enough people she is beyond the moon that she has raised a daughter with integrity who cares about her family and loves her mom enough to have walked alongside her as she lost her husband and you lost your dad that's amazing yeah but so i want to give you a line okay your mother tells you what to do by throwing out guilt trips she's a travel agent for guilt trips isn't she yes it works all right i want you to do this i'm taking the plane with it i when she drops it on me, I take the plane with it

and I'm like, oh. Why don't you say it's not going to work anymore? I have to get over that part. All right, Max, I'm going to give you a line and I want you to tattoo it on your heart, okay? Okay. This is not my line. I don't remember who came up with it, but here's what it is. I want you to

choose guilt over resentment every time. Because if you don't remember who came up with it, but here's what it is. I want you to choose guilt over resentment every time. Because if you don't choose guilt over resentment, you are going to end up hating your mom that she took away moments with your grandbabies from you. And that's not fair to her. That's not fair to you. Right. And so i'd rather feel guilty that hey i want to be with my kids and my grandbabies and i want their great grandma

with them but she's a grown woman if she chooses florida over all that then she chooses florida over all that yeah she gets to choose okay as long as long as she's of her right mind otherwise the court will choose for her but if she's not if she's of her right oh i as she's of her right mind, otherwise the court will choose for her. But if she's not of her right mind, she's used to getting in her way. She's been bossing people around for about 86 years and getting away with it. And she's probably also wading through that grief, and she's put a leash on you and said, you dragged me through this grief in whichever way I want to go.

That's not how that works. That's not how that works. Not how that works. Yeah. So, mom, I love you and I'll be happy to help you. We're going to get your money. If I'm going to help you, here's the terms. You're going to live in Texas where I'm moving to, to be near the grandbabies and you'll see your great grandbabies. And we're going to get your money from Nick and we're going to put it with a professional

money manager that will help us and teach us how to create an income so we can hire some help to take care of you while I'm at work. But you can live in my home and I will love you and take care of you. I am not coming to Florida. If you don't want to do that, those two things, it's okay, mom. It's your choice. The law says that you are allowed to make your own decisions and it says i am too and so i'm going to texas love to have you otherwise i'll come see you in florida uh when i got some days off and if you want me to help you set up some care over there i will but i love you but i'm sorry i get to choose and i want if let's say she does choose florida i want your heartbreak to not be that um you finally decided that your life had value too i want your heartbreak

to be my mom chose a retirement village in another state over me and her grandkids and her great-grandkids that's heartbreaking that'll break my heart that's a total like 180 to it's your job to completely cancel out your life and live wherever she tells you to live and do whatever she tells you to do um it's it flip that thing around man flip that thing around yeah she does not have a vote unless you give her one so take her vote from her on where max lives don't get a vote anymore mom and you don't have to say it out loud but you can say it in your mind just smile and go you know you don't you don't get to decide that now. And Dave, just the added complexity, sometimes that parent says,

well, then you may just not have access to this money then. Whatever. And you have to decide, is your soul for sale, right? Yeah, yeah. That's perfectly okay, because apparently I didn't have access to start with it. Nick has it. Yeah, Nick's got it.

The cousin. Nick the cousin. Don't let your cousin sell your house or manage your money. Those are new Ramsey rules I just made up. You just made them up on the spot. Deloney Ramsey. Deloney Ramsey. Those are probably pretty good rules.

This is The Ramsey Personality, is my co-host today. Open phones at 888-825-5225. Larry is with us in Missouri. Hi, Larry. Welcome to the Ramsey Show. Dave Ramsey, how are you, sir? Better than I deserve, sir. How are you? I'd like to meet you in Chicago in September, in person. Oh, come on. We're going to be there doing a smart conference. We'd love to have you.

Well, I'd like to come, and I hope you're going to talk on a topic that's very close to my life right now. Number one, I'm old enough to be your grandfather. Oh, wow. I was born in the beginning of the 40s okay old enough to be my father but anyway yeah okay yeah larry dave is real old well i know his age i've heard him say it on the radio i'm 20 years older than dave okay anyway i can uh give you a real quick, I'd like to put you in my shoes if I could. I'll try. About 11 years old, back in 1950, I watched a movie on black and white TV and was called a millionaire.

And that dream has stayed with me all my lifetime. I wanted to be a millionaire. Now that I am, and my monthly income would scare the devil out of you, and my retirement, and I'm trying to set up my estate because I have no living relatives anymore. My wife died of cancer nine, 10 years ago, and I've never remarried. We never had kids. She was a teacher. I was a teacher for only 10 years of my life on the high school level. I carry a master's degree, a bachelor's. Now I've got more money than I know what to do with.

Any suggestions? Okay. And so there's no nieces, nephews? None. None that I complain. Wow. Wow. Okay. And we're talking seven, eight figures.

We're not talking $25,000. Yeah. So this has got to be a new one for you. It's not one I get every week, that's for sure, but I don't know. But anyway, I've never talked to Larry about it, so that's for sure but i don't know i don't know but anyway it's it's new to it's i've never talked to larry about it so that's new um the um you know we at ramsey in our ramsey family foundation while i'm alive give to things that we have personal connection to uh there are a bazillion things out there that do ministries and charities that do really good work and do it efficiently. There's a lot of them, but there's more of them than there is money.

And so instead, we pick out something that we personally, one of us in the Ramsey family, has a connection to the people that are doing the ministry and what it does. And so, you know, if there's something about the way you grew up or something about you admire this or that, you're huge on education. Your wife is a teacher. You're huge on education. You want to set up some scholarships. You know, you spent some time in foster care, so you want to take care of foster kids. I don't know what Larry's whole story is, but there's something that tweaks your heart, and that's where I would suggest you start investigating those particular ministries

or charities, and we want to leave them a good amount, but we don't want to leave them so much we ruin them. But on the other hand, and we want to make sure they're well-operated and that they actually, if their thing is feeding hungry children, that they're actually feeding hungry children. If you wanted to find some ministry or teaching that was helping people, like that TV show helped you. You brought that up. You know, that kind of a thing. You could help them. I don't know.

But I try to find something that it is not necessarily more valid or more efficient. The need isn't necessarily more holy or less holy than one, but the difference maker is that it does have some kind of connection to my life or one of my kids' lives or something like that. Like my son-in-law played football, D1 quarterback, and very involved in sports, was a coach for a long time. And so anything around helping athletes and uh helping coaches is always going to get his attention it's always something he's got a connection to as an example so that's what

i want you to look for some things like that and uh spend some of your time investigating them and you can start giving to them now yeah there's something powerful about giving especially on the front end where you get to see it you get to see the results you get to see the smiles you get to see uh we started making videos um in in the higher education world i wanted a donor to see the 18 year old that they were helping and the students started making videos say hey you helped me get through and um that was a powerful connection right so i i think that'd be great another thing i like to, like, when I get to complaining about something, like, man, the world just needs to –

I like to find somebody I can lean into a little bit that is already working on that problem, right? It's just a dime in the bucket, but, man, it feels good to say, okay, I'm contributing to doing more than just complaining. You know, I think the other guy that I think of is, his first name was Larry too, Larry Stewart. He was Secret Santa from Kansas City. I think the first name was Larry.

And we had him on the air before he passed away. But he was at a diner in North Alabama and was hungry. He was broke. And he went into the diner and said, I've got to have some food to himself. And so he said, I'm just going to order and then act like I lost my wallet. And so he ordered and he's eating this hamburger. And the guy that owned the diner kind of figured out what was going on and walked around and reached under his chair and said, hey, I think you dropped this and handed him a $20 bill. So that started Larry. Larry became a multimillionaire, like $100 million or so,

and he became Secret Santa. And during Christmas, he would dress up like Santa Claus and go out on the streets and hand out $1,000 to somebody and $1,000 to somebody just randomly, just be walking down and just whatever. God would just speak to him and say, that guy over there. And he'd walk over there and just hand that guy or knock on somebody's front door and just hand him a thousand bucks or and he gave away

tens of thousands of dollars as secret santa it became such a thing that the cops he had cops got in on it and they would go with him to protect him and um and he like after 9-1-1 he walked the streets of new york you know after katrina he walked the streets of uh new orleans and uh he was an incredible incredible giver but ever since that one guy gave him he said they've had twenty dollars under that seat it cost me hundreds of thousands of dollars i've given him he said i've given tried to give that back a thousand times and uh ten thousand times and he but that was his story that's not this larry story that was that guy's story and uh but that guy was just random giving it was just you know walk up somebody gas pump pumping gas looked like they need a little help and you know just

little kids in the car look a little ratty or something give them a couple thousand bucks and walk off and and um and it was uh for about a decade nobody could figure out who he was and when he got cancer and they told him he wasn't gonna live he came out and said who secret santa was and he let the reporter at the kansas city star who had been trying to figure it out for years he let him break the story as to who it was but it's great it's a great story i mean it was incredible we had him on the air and he actually started a uh a secret santa school and you can go and i don't know if it's still up or not i think it was like secret santa.com or something and you could go learn how to do what he was doing and be randomly generous like that so but that's fun if you live like no one else you get to live and give like no

one else and uh so it's pretty cool there's a lot of fun stuff you could do with it it doesn't have to be some stodgy trust to some uh dusty university right I mean it can be it can be really flamboyant and crazy and wild and fun and and it should be yeah malcolm gladwell's got some really remarkable writings about uh giving your nine or ten million dollars to uh a school that has a school that has eight billion right versus notice yeah what that five thousand dollars would do to for that family yeah right exactly change it could change everything for them right yeah i if i were in your shoes and you're that you know so he's got to be he says in his 80s right um i'd be about the business of doing that right now i would do

something and figure out a way that'd become the new that'd become the new saturday crossword puzzle i'm gonna sit here on my front porch i'm gonna get out there and change some lives i'm gonna figure out somewhere get away five thousand dollars in the next six hours i'm gonna get a couple of my knuckleheaded buddies and we're going to the waffle house and we're gonna start tipping waitresses and waiters and cooks like you have never seen like a thousand bucks each that's right man go out and sit in the car and watch them dance oh yeah i love it works for me that's better than any movie you're going to watch. I'll guarantee you. And, yeah, that could be really fun.

I think that'd be a great way to spend a Saturday. That puts this hour of The Ramsey Show in the books. Dave here. You can find all of our shows with the Ramsey Network app on your smartphone. It's the only place to listen to the entire back catalog of episodes. Download the Ramsey Network app in your favorite app store today.