The Ramsey Show - App - Find a Proven Process and Commit Yourself to It! (Hour 1)

Episode Date: July 6, 2021

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

You jump in, we'll talk about your life and your money. That's 888-825-5225. Josh starts off this hour in Idaho Falls, Idaho. Hey, Josh, how are you? I'm doing well, Dave. How are you? Better than I deserve. What's up? So, we are working on Baby Step 2.

We started off with about $203,000, and we paid off about $90,000 since last August. So, we've been getting it really hard. Part of that was we sold a house in California and moved to Idaho, so that helped. So, we have... My son is four years old, and he's about to have a major surgery next year.

It'll be surgery number 10 for him. And so as we look forward to, yeah, he's got some skeletal issues. So he's totally fine. It's just they need to fix some bone stuff. And so as we look forward to that and we begin planning for that process, I'm looking at our debt situation, and I can pay off by the time of his surgery about $46,000 by next year with some increased income that's about to happen. And that's before we get the surgery.

So my question really is, is do I focus on paying down that debt and saving $400 a month in payments by the time we go to that surgery, or do I pause baby step two and save up the pile of money like I would for a pregnancy of some sort like you recommend and still have that afterwards? I'll still have that debt there, but if we do that, then by the time the surgery comes, if I don't pause baby step two, I'll only have two debts left, two or two days. So the momentum side of me wants to don't pause baby step two, I'll only have two debts left. We are two days. So the momentum side of me wants to just pay on baby step two and roll those new medical bills into baby step two once they come in. I got you.

Just to keep that momentum going. So that's the question. How many kids have you got? Just him. Once we had him, we wanted to focus on getting him taken care of. Yeah. Yeah. It sounds like the little guy's been through it.

He has, but you never know. He's the happiest kid in the world. Yeah. Kids that face that stuff are tough. I mean... He is, yeah. But I'm not. Oh, my gosh.

It makes me cry. Oh, poor little guy. All right. So the surgery that he's having, your health insurance covers it? So we're not sure. So part of that scenario is my wife is going to start her private practice. She's a clinical therapist. And so we're going to see a massive increase in income.

But that's also going to come with a change of insurance. So we're not sure what that looks like yet. to see a massive increase in income, but that's also going to come with a change of insurance. So we're not sure what that looks like yet. And as far as how much it will cover, plus the specialist, we're in Idaho, and the specialist who he works with is in Florida, so it's going to throw some wrenches into that. So we're just not sure what that looks like yet. It will cover some of it. It will be a question of how much. Okay.

All right. Well, job one is take care of him sir and you'll get you'll get around to the debt uh and so to the extent you actually have to pay money for the surgery or for the medical you're gonna you know once you define what you need to do is spend a lot of time and effort uh clearly defining what your financial exposure is, what you are going to have to pay. Okay? And then that gives us our number.

And I need that number if I'm you. Once I've got that number, then that number happens before any further debt reduction happens. But if you've got, you know i an hsa with a five thousand dollar deductible and they pick up a hundred cents on the dollar after that then you need five thousand dollars shut up i mean you could figure that out but if you need fifty six thousand dollars it's a whole nother world right sure so little guy little guy's number one priority okay we're going to take care of our dadgum family before we take care of a bunch of debt goobs okay so that's it i mean you know they'll question about where your priorities

lie my priorities lie on that so i think before you decide whether you're going to have to stop temporarily push pause like a pregnancy or like a potential job loss in the future meaning you're not going to be working your baby steps. You're going to push pause and pile up cash because freaking hurricane's coming and we need a storm shelter. And we can, we, it's very predictable. We know right where that thing is, you know? So, but the trick is this, we don't, we don't stop on vague worries of, uh, and a surgery

is not a vague worry, but if you just say, oh, he's got to have a surgery, well, okay, but what is the cost to you? That's what makes the decision. It's not that the surgery is going to happen. We're going to do what we need to do for the little guy. So, yeah, let's get the insurance moved, and in that process, figure out what you're liable for out of pocket, what you're going to have to come up with and then i would push pause and matter of fact i go ahead and push pause now but give yourself then 30 days or 45 days to figure out while you're

piling up some cash what you're out of pocket is going to be with these insurance changes and do you have to travel to florida are you going to pay the specialist to fly up to idaho i don't know what are you what's got to come out of your pocket that insurance is not going to cover and we need that money before we push play again okay that makes sense yeah it does it was just one of those things of like we have so much momentum i can see that well and on the other hand what can you got on the one side you got all momentum, but obviously you can't not take care of the kid. You know that. Sure, yeah.

And people tend to swing the other way, and they go, oh, we're having this surgery, so all bets are off, and then you figure out that they're $5,000 out of pocket, and basically from a financial perspective, not an emotional perspective, but from a financial perspective, they were being drama queen, and they should have just kept plowing. Because if you've got $5,000 out of pocket, you budget that between now and next year, and you keep plowing, right? Right, yeah, because with the increased income,

we're anticipating having about $5,000 a month to be able to throw onto debt. It's going to be pretty substantial. And so you're just going to, in your budget, be ready for $5,000. Yeah, $5,000 or $10,000, you can handle that. But if it's $50,000 or $ 60,000 you're looking for out of pocket, then we're going to have to stop and get ready to take care of the little guy. Right. This is how you do it.

That's the critical thinking process that you're going to use to get at this. So that's very cool. Good. I'm glad you're there to take care of him. I'm glad he's got a dad and mom like he has. That's pretty cool. Little guys are, are man they're tough uh we've certainly with team members uh we've got about a thousand folks working here

and with uh all the financial coaching over all these years we've seen some situations with the babies where you just your heart is in your throat your stomach's in your throat, and you still have to make good, solid decisions that you don't lose your mind and, you know, go completely off the rocker and, you know, just check out what happens to people. They just, okay, I can't emotionally deal with the money piece and all of this stress with my baby being sick, and so I'm just going to work on the baby being sick, and I'm going to let all the money stuff go into the toilet.

And see, then that makes a bigger mess. So what you have to do is you have to reserve a little bit in your tank to make sure you're dealing with the money stuff so that you're there emotionally and financially for the needs of the child. It's tough, man. That's tough. That's heartbreaking. This is The Ramsey Show. If current times have shown us anything, it's that the least expected events can and will happen, and we have to deal with it. That's why everyone who has a family counting on them needs term life insurance.

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Go to Zander.com or call 800-356-4282. Great rates and a simple process mean there's no excuse to not get this done, people. One of the great joys of my life are the young men and young women that have passed through these doors at Ramsey and have gone on to become big hairy deals after they left here. And Andreas Gutierrez is one such story. He was with us for a period of time, was the Spanish or Mexican, he called himself, I'll let him say that, personality, working with the Latino and the Spanish community. And he felt a call to go out on his own, and we felt like God was confirming that. And so we not only released him, but helped him do that, set him free,

and helped him line the nest as he got started, and that was fun to watch. And then all of our Spanish initiatives are all now directed at Andres Gutierrez. He broadcasts a radio show out of San Antonio, Texas now that is on, I guess, about 50 radio stations, right? Yep. And so he's going to come back and hang out with us and coming through Nashville to hang out. We've been friends a long, long time and have worked together and fought the same fight together. And always good to see you, my friend. Thank you for stopping in.

Dave, it feels like I'm at Disneyland being here. You know what? Seeing old friends, you know, being here in 2009, you know, you just had this thing in your heart to say, let's help. Let's really help the Hispanic community. Let's get a Spanish communicator. And I remember taking that call. And it wasn't easy because we had to transition the family over here. You know, this business that we were building.

But, you know, you told me something, you know, that has stayed in my heart since then. You said, you'll know, you talked to me about God's peace and the decision that you can look back. And now, 10 years later, I can look back and say, you know what, that was the right decision. As much change that came into our families, looking back and what's happening now with this message being communicated to the Hispanic community, it was the right

choice. So if you need any of my books in Spanish, they're all there. If you need Financial Peace University, six of the lessons are there in Spanish, and they're distributed by us and also by by andreas because he is the star on the stage because i speak uh a little broken spanglish at best so last thing you need is some gringo like me trying to instruct you if you're in the latino community but uh uh there's an awakening in that community there always has been this tremendous need we knew that when we brought you on you knew you've known that all along. You were in the financial services business before you came with us. The need in the Latino community is very pronounced to learn how to handle money. I mean, it's true in Anglo community,

too, but there's something a little different here. Well, you know, I'm proud to tell you and let everybody know that the book that I wrote became, you know, a number one Amazon bestseller and just recently hit the number two position, not in personal growth or self-help, but in the entire universe of Spanish books. And somebody asked that question. I said, you know, why, how is it that a financial book that they've never made into the top hundred? Why is it that this, you know, book made it to, And I think there is an awakening. I think just people listening to this message, which by the way, it's not one year old. I mean, I came here in 2009. So we've been at it and this dogfight for a long time. And I think just

repeating the message. And now I think what's really happening, Dave, is the stories, that there's so many families that have heard this message that are now debt-free, mortgage debt-free, investing for the first time. See, something that I learned about as a financial advisor is that, you know, in the English-speaking community, there's families that are in the second, third generation of investing. In Spanish, most of them is the first generation. So it's a new thing to visit with a financial advisor and open up an investment account and think long term. When you're in a middle income and sometimes lower where a lot of the Hispanic community tends to be, you don't think long term. You think – I hear something that is also very prevalent in every society, but what if I die tomorrow? I want to enjoy the money.

And that's changing. You only live once. You've got to live for Friday, not for long-term thinking. And that's changing. I think that's where the awakening is happening. And I truly believe that the Hispanic community is going to go from being on the bottom of the financial pole because how aggressively they're absorbing the message and living it. Just as we know that they're hard workers, they're also really message and living it just as we know that they're hard workers they're also really hard workers are turning their finances around yeah

they're working for money i mean there's no question uh i mean i looked up we're building a building next door and you know who was not laid off during or who was not sitting at home during covid uh who was over there working uh it's hispanic cruise yep i mean they were working all the time just like they always have and they're doing and they're getting paid really well yeah yeah and it's all during covet i mean and so how did the that how did the community fare during covet do you feel like i'm taking the calls on the radio show and everybody was so happy just to hear these calls of people calling in and saying you know, I just want to thank you for teaching this stuff because my husband was laid off, you know, and it became like a vacation.

He needed the time off. And because we're debt free, because we have money in the bank and everything, you know, but that's a few. Most of the Hispanic community, you know, were able to keep, you know, their job, you know, and just going because there's such a big need. Fall in the category of essential workers. Essential, exactly. Which, by the way, if you're not essential, I'm not sure what you're doing. I think everybody's essential. I kind of feel like I'm essential, but I might be wrong.

Oh, my gosh. So the radio show is doing well. I mean, you've been doing it a long time, and so it's proven out now. And what changes have you seen over 10 years? Just the more the stories are coming in, the proof, the fruit of the message going out, coming back? I think the calls are different. You know, for many years it was like, how do I get out of a mess? You know, how do I get out of a mess?

You know, I'm in a mess, I mess? You know, I'm in a mess. I'm in a mess. I'm in a mess. You know, now I'm hearing from people that are big fans of the show that say, you know what? Today, all the calls were about people prospering. Like, okay, I'm there now. You know, talk to me about investing. Talk to me about, you know, just growing, you know, this net worth that is happening.

So I think that's where the, think that's where the big change is. Yeah, there's always new listeners, and there's always people that are finding the show, struggling financially, but there's so many more calls today about people just really growing their net worth and prospering, and their lives are completely turned around. Andres Gutierrez is my guest, and you can check him out online if you're looking for a Spanish version of what we do around here with the money piece.

And he'll help you out, and his message will help you out on how many radio stations nowadays? About 50? Close to 50. Yeah, right at 50 radio stations all around America. A lot of Spanish radio is a big segment for those of you that didn't know that. In the radio world, it's a big deal. It's a moneymaker for the radio stations. Because there's not as much competition.

Yeah, and it's pure, that's for sure. So you're working on a new book. The first book did really well, as you said. It's called what? Let's give it a plug. Transforma tus finanzas en 30 días. Transform your finances in 30 days. Okay.

And I truly believe people that find these principles, that fast they can turn their financial effort. Certainly started. The next book is the answer to like, now what? Okay, I'm there. And the title that's in my heart right now is Mi Primer Millón, My First Million. How to get to that? Because there was a guy that said,

Andres, I'm going after my second million. I said, oh, really? Congratulations. Well, I didn't start with the first one because they say that's the hardest one. I'm going to just jump off to the... They say the second one comes a lot faster. I said, no, no, no. You don't get to skip one.

That's not how this works. So when do you think that'll come out? They say the second one comes a lot faster. I said, no, no, no. You've got to go after that. You don't get to skip one. You don't get to skip it. That's not how this works. So when do you think that will come out? We think by the late fall. That's where we're at right now. I'm still finishing writing. I have the whole outline, everything, stories and everything. So I'm just being a little busy, Dave.

I have to make time. I can only do it in the morning. I have to get up early in the morning because otherwise, super busy throughout the day. I understand. I just finished one that's coming out in January, and I finished it last week. I feel like I got my term paper turned in. Oh, that writing deadlines will get you. But it's good.

Very good. Very good stuff. Well, I'm proud of you. Proud of you, my friend. Good stuff. Well, I'm proud of you. Proud of you, my friend. Good stuff. Andres Gutierrez, be sure and check him out online and spread the word to your Spanish-speaking friends and relatives that there is help in the Latino market. He's there to serve you. And he's a great young man and a good friend of all things Ramsey and certainly a good friend personally. We love you, brother.

Same here, Dave. Thank you very much. Andres Gutierrez. Gutierrez. Be sure and check it out. This is The Ramsey Show. We'll be right back. In the lobby of Ramsey Solutions on the Dead Free Stage, Jacob and Andrea are with us. Hey, guys. How are you? Hey, Dave.

Hey, John. Welcome, welcome. And John Deloney, Dr. John Deloney, Ramsey Personality, is my co-host today. So you guys are with us from where? Where did you fly in from? From Los Angeles, California. All right. All the way to Nashville.

So transcontinental debt-free scream. Yes. Love it. How much did you pay off? We paid off $215,000. Wow. And how long did that take? 48 months.

Whoa. You're kicking it. Wow. And your range of income during that time? We started at $110,000 and ended at about $160,000. Cool. What do you all do for a living? I am a CPA and a full-time professor at the moment.

And I'm a project manager. Cool. So what kind of prof are you? Accounting. Accounting? Yeah, that makes sense. All right. Very cool.

Good for you guys. And great increase in your income and all of this in four years, about $50,000 a year paid off. That's radical. Yeah. In 2015, that means you paid off a one-bedroom apartment there in Los Angeles, huh? We wish, yeah. We wish.

26 square feet. 27 square feet. That's right. I love it. Way to go, guys. So what kind of debt was the $215,000? So $5,000 was credit cards, 25,000 was a car loan, and 185,000 was student loan debt. Wow.

Whoa. And so what was the student loan debt associated with? Your master's in accounting, maybe? His bachelor's. My bachelor's in marketing. Your bachelor's in marketing. Yes. I paid dearly for a bachelor's in marketing yes i had dearly for a bachelor's in marketing yeah i had

paid off about 80 000 my parents and i before we got married so my debt was already taken care of before how long you've been married it'll be five years in august okay so after we get married andrea the accountant says jacob next 48 months, we're doing this. Tell me how this happened, really. That's my guess. Yeah, I was secretly terrified while we were dating that we would just be in debt forever because I knew how compound interest worked. I didn't quite understand how compound interest worked.

And I just thought we would be in debt for 10 or 15 years and wasn't sure how it would all work out. But yeah, I was sitting in class one night during my master's program wondering, we're paying $1,500 in rent. I wonder if we could get a really dinky condo and pay that in a mortgage payment. So I went home and I Googled, your name came to mind from my childhood, and I Googled, what does Dave Ramsey say about having student loan debt and getting a mortgage?

Uh-oh. And we found a video of you where many people were calling that hour that had large amounts of student loan debt and were not paying it off in a timely manner. And I wasn't nice. You said something to the effect of, I'm about to go into orbit. And we just kept watching videos that night and created a spreadsheet. And I think within a couple hours, I was able to glean that we could pay it off

probably in about five years and for the first time I thought we can do that I've always thought we would just be in debt for probably till our kids go to college and so we were fired up from the first night that there would be an end to this burden for us hope is a powerful thing absolutely and so it's a spreadsheet in the hands of an accountant right well it gives you hope I mean to this burden for us. Hope is a powerful thing. Absolutely. And so it's a spreadsheet in the hands of an accountant, right? Yes. Well, it gives you hope. I mean, that's the way people like Andrea and me, we find it in the numbers.

We can look down and go, oh, I can do this. That's hope. Yes. That's hope. That's versus I'm going to be stuck in it forever. I'm terrified. Hopelessness, right? If we had paid the minimum payments over 30 years, we would have paid over $400,000 for one bachelor's degree. And we just thought we do not want to forfeit that much of our hard-earned money over 10 years of our marriage, 20 years of our marriage, when it is what it is.

So let's deal with this. Get on with it. Game on, baby. Here we go. That's incredible, guys. All right. So good. So, Jacob, immediately you're looking at that with her,

and you're going, okay, let's do it? Yeah, it made sense to me immediately, I think, that hope you speak of. It just clicked in my mind. I remember very clearly thinking, great, it's done. Like, it is done in my mind. It's just a matter of us working this plan. Oh, I like that. And so I was like, all right this plan i like that and so i was

like all right let's go and so it was great bring it let's go game on bring on the pain let's do it here comes the beans and rice rice and beans we're gonna live on nothing we're gonna get this done and you did yeah i mean you guys turned it up hot how did this help your marriage oh you know what that's been it's been awesome for our marriage. You know, we've really appreciated how budgeting and just the monthly conversations, but having this goal that we were both hacking at and just dedicating our lives to for four years has really brought us together really closely in our marriage. And it's been a wonderful,

it's a great, it was a great way to start us off. Yeah. Yeah. Yeah. We've never really had a fight about money because we were, we both knew the direction we were pulling in together. We both knew the budget tells us whether we can do that thing or not.

We have had to talk ourselves out of things at times. No, we shouldn't take that trip or no, we should do this before that. What was the hardest ledge that you had to talk each other or yourself off of? The one where you almost did stupid and you went, nope, not doing it. That's a good question. I feel like we're actually on more ledges now that we're out of debt and we have cash flow that we can do things that we've been putting off. Those are allowed.

You're paying cash. That's okay. That okay that's that's not a bad thing that's why you did this yeah there hasn't been too much i mean you had like this trip that just you really really really wanted to go on that trip while you're in the middle of this there was a trip where we had the opportunity to go with my grandfather to glacier national park there you father to Glacier National Park and camp in his Airstream trailer. And it felt like such a memorable once of a lifetime thing to do with him. And so we just chose, we told them, hey, we need to keep working. And that was about six months in, we were starting to get multiple incomes between us and we knew we just had to keep the momentum going at that time.

Because my theory is when something like that comes at you, and like you're going along pretty good, but then there's this thing, and it's a chance to get off the tracks, right? And then you make the decision on that one big thing, a third of the way through, a quarter of the way through, something happens psychologically, probably. It's just jet fuel. That's right. And once you do that, you go, all right, now it's game. Now we're going to finish this because it's like the temptation.

And a year from now, that dinner that y'all just want to go on, that's not as important as missing camping with granddad, right? So you've jumped over the biggest hurdle. That's incredible, guys. Good for you. Yeah, so well done. So well done. Yeah, once you did the've jumped over the biggest hurdle. That's incredible, guys. Good for you. Yeah, so well done. So well done. Yeah, once you did the hard one, then the rest of it's easy.

That's what my theory is. And good, good for you. What do you tell people the key to getting out of debt is? Yeah, we've got a couple of things. First and foremost is budgeting. We use every dollar. We recommend it to everybody all the time. We love it.

We have it always open, which is great. So that was super crucial for us in the first stages. The second thing is we really submitted ourselves to the baby steps. We just said the baby steps are proven to work. And right now I'm done. And so I need to submit myself to the wisdom of the baby steps and to Dave

and all the advice you share through FPU and all the other resources you through FPU and all the other resources you give. And so we did that. And so to us, it was not really hard to grapple with that because we just submitted to the wisdom there for sure that was present throughout all of the resources. The third thing is work. We work all the time. Every single night, we would both be up until we go to bed because we're doing extra work. She was working at an accounting firm doing online remote bookkeeping. I was doing coaching. So just a ton of work, work, work, work. That's all we did for years. And then the last thing I would say is we just live below our

means. When I was graduating from college, I lived with a family from our church and I lived in a small den. And we got married and I told Andrea, hey, let's just live here. It's great. It'll work. She's like, it's not going to work. No, no, no. That's not going to happen. We weren't on the plan yet.

So we moved out, had this cute apartment in Uptown Whittier, and it was $1,500 a month. And she had her whole experience with kind of seeing the plan and then said, you know what? Let's go back to that house. And so we moved back in there. Love it. And it was great. We were there for two years and lived below our means.

It was awesome. Jacob and Andrea from Los Angeles, $215,000, paid off in 48 months, making $110,000 to $160,000. Count it down. Let's hear a debt-free scream. All glory to God. Three, two, one. We're debt-free! There we go. Touchdown! Jeffrey! Woo-hoo! Yeah!

There we go. Yes. Touchdown, baby. Woo! Woo! Woo! Woo! Woo! Thank you for joining us, America. Open phones at 888-825-5225.

Dr. John Deloney, Ramsey Personality, is my co-host today. Imagine what your income could do for you if it wasn't all going to someone else in the form of credit card bills or student loans or car payments. How much different would your life look like? Well, it would. The life you pictured back when you used to still dream it's possible and it does not have to take as long as you think to get there that couple paid off 215 000 and they did it in 48 months that's a lot and they did that in los angeles where it's not cheap to live with children that's it two babies financial peace university is the class that's helped nearly

six million people really now about close to 10 uh learn to the proven plan to get out of debt and build wealth it's not enough to just learn the plan you have to actually put it into action every day and that's what the budgeting app every dollar you get every dollar financial peace university and a bunch of other stuff to help you do this, all in a Ramsey Plus membership. You can create a life where money works for you, not against you. It's time to ditch this debt fast to start your free trial of Ramsey Plus to get you into Financial Peace University and so on.

Text TRIAL to 33789. A free trial by texting TRIAL to 33789. So I was down at the lake house this weekend, and you don't know this about me, but when I was growing up, my dad was one of those guys that could fix anything. And so, consequently, I learned to fix anything, or think I can. I automatically assume if I can take it apart, I can figure out how to put it back together and it's going to work out right right so the faucet's dripping at the lake house and I fixed a bazillion faucets back in the day before they were the way they are now right a whole different

setup right um so I'm like all right I'm taking this thing apart and I'm going to figure out how to do this and uh sure enough i get about you know three quarters of the way through it and i can't get i can't get one thing i can't figure out how to do it and so what do you do you go to youtube and there's always some goob on youtube to show you how to do something right how to take a delta faucet apart right so goob on delta faucet thing is rs is showing me how but it occurred to me as i was doing that, is that such a simple thing? The concept, psychologically, is so simple. And there's something about money that makes people stupid and arrogant.

So it did not occur to me that somehow I was deficit, that my self-esteem or my identity was damaged because I didn't know how to work an RF4268 Delta Faucet. Yes. I just assumed I didn't know how to work it. Then when I found the guy that knew how to work it, I didn't argue with him. Exactly. I didn't go, well, how does this apply to me? Because I'm special and Delta Faucets might work different for me. I just went, no, you doob.

You don't know how to do it. Do what the guy says to do. Exactly. You don't need to reinvent this the reason you're on youtube asking him how to do it is because you don't know how to do it it never occurred to me to have this this in this existential argument about submitting myself to the instructions of a proven delta faucet guy right i just did what the flippy said to do and guess what i fixed the faucet you know it was a simple thing but as i'm doing all of this i get this metaphor in my head that there's something about money that everybody goes well i'm special and really principles don't apply to me the law of gravity i can fly you know it's just

all this stupid arrogance and i guess it's that way about behavior modification of a lot of things. You and I were talking about... People do the same thing with health. Oh, absolutely. Everybody's got a freak... It's gluten. It's lactose intolerance. There's some kind of...

It's an essential or non-essential oil. I read a killer article the other day about how... And everybody's got their own freaking plan. MSG, right? Oh, MSG's killing us all, yeah. So, hey, I was just thinking... Why is it that there's some categories in our brain that we just go, well, I'm going to submit and do that, Delta Faucet.

But when it comes to health, we're like, no, this guy, he's like skinny, and he's got his act together. I'm just going to do what he says. No, I have to reinvent my own thing but here i sit you know with no indication that i have any knowledge of this yeah but i didn't do that with mr delta no i i think there's when we look at something mechanical we think oh that's mechanical and i think you nailed it relationships health money and i'm i'm in the middle of working on a project now trying to how do i tell somebody how to make a friend and i feel so ridiculous to try to break that i can just do you just make

friends and it's embarrassing now to be 40 and think oh i gotta learn how to like do this again right i think we we have we've removed ourselves from understanding these things as basic skills and that's all they are and there are experts who can tell you i also think the world's been We've removed ourselves from understanding these things as basic skills. And that's all they are. And there are experts who can tell you. I also think the world's been clouded. Everyone's trying to sell you something. So who's the right and who's the this and who's the... Yeah, but they're trying to sell you a faucet, too.

That is true. But it is mechanical. I think there's something about when it enters the realm of behavior, which relationships do, money does, health does. There's something in our bodies that we're just – Stay equal in the room. Suddenly, we just become arrogant. Like, you know. We're idiots.

I'm 350 pounds, and I'm arguing with a guy who's a buck 20 and chiseled. You know? Exactly. And I'm like, dude, you know, your body screams that you don't know what you're talking about. You're broke, and you're having this argument with people who have led more people to become millionaires than anybody else on the planet, and you're going to argue with them. Or you talk to your divorced parent. And you live in your mother's basement, for God's sakes.

You talk to your divorced parent, and they're giving you relationship advice. Here's what it is when it comes to health relationship we are so finely tuned to um rejection that we will go to the great lengths even they don't make sense to get somebody to tell us that we're okay and we'll go okay we'll just keep doing that i just don't want i just don't want to hurt man man, because then I've got to deal with it. I'd rather just try to talk people into going to see a counselor. Why do I need it? And I just want to say, look at your life, man. Look at your relationships.

I don't know, six attempted suicides. You don't know what you're doing, and that's okay. There's a professional that will help you. Yeah. Right? And I guess it is the messiness of it's not mechanical, it's relational. I think that's, maybe that's the answer. I didn't think about it, but all I could think about while I was looking at that YouTube going, I'm going to do exactly what the guy says because he's the Delta Faucet guy.

And I'm not going to try to go, oh, no, that won't work. And he's not trying to trick you. He wasn't selling me anything. He sold me a Delta Faucet. I had to go buy this thing to put in it, you know. But, I mean, because I'm not going to trick you. He wasn't selling me anything. He sold me a Delta faucet. I had to go buy the stinking thing to put in it, you know. But, I mean, because I'm not going to replace the whole thing. I'm going to buy the little fake thing to fix it, right? The little cartridge.

Which is actually costing him some money in the long run, right? He's trying to help you. Yeah, but, I mean, it's very interesting. There's an interesting dynamic that what they said reminded me of that a minute ago when he said we had to submit. That word is a loaded word, man. Man, it's like, oh, you're toxic. But what if we could take skills and health and now the cutting edge in nutritional sciences, what makes your body feel right? Like what helps you sleep?

Like if you look back on the day before and you were grumpy, you didn't sleep well, don't eat that. You know, it's not a one-size-fits-all for everybody. And nutrition folks are trying to grapple with what is that going to look like? How are we going to create a one thing, right, a one pyramid or one special thing? And they're just saying, you can't. People are going to have to learn how to treat their body like a set of skills. Same with relationships. Same with education.

Same with anything relational, right? And I guess I'm answering my own question, but it's just, it does aggravate you. That you go, you know, you hire a personal trainer. They have a six-pack. You have a keg. Don't argue with them. Don't argue with them. I mean, it's just, you know, do what they said do.

And to the extent you're not going to do that you're not going to look like that yeah so and either make peace with this yeah or just do what they say don't hire a trainer if you're not going to do it I mean why give them the money you know I had one used to come to the house and we've got this exercise room in the house and Sharon's like you're like the financial guy and I'm like yeah no you're making fun of me what are you what's the point here and she said well he's down there counting to 10 for you you can't do that i'm like that's not the point it's it's a whole series of oh i'm not even going to get into this she said you can't count to 10 by yourself that's all i'm saying i love sharing in your life yeah it's just like calling me out for paying a trainer.

Oh, but yeah, there's something about finding a proven process, what he said in that debt-free screen, finding a proven process and being willing to submit yourself to it. That's what... Unhooking your ego from it. That's what you can do. Just follow the... Nobody submits without unhooking their ego. I unhooked my ego because I couldn't fix this thing in Boston without Mr. Delta telling

me how. I had to get an expert. I couldn't fix this thing in Boston without Mr. Delta telling me how. I had to get an expert. Show me the steps. Submit to the steps. This is the Ramsey Show. Have a friend or family member that needs a daily dose of Ramsey advice in their life? Let them know about the Ramsey Call of the Day podcast. It's a quick hit of advice about life and money in under 10 minutes.

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