The Ramsey Show - App - Here’s How You Should Invest Your Money (Hour 3)

Episode Date: April 9, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual, amazing relationships. Rachel Cruz, Ramsey personality, number one best-selling author, and host of the Smart Money Happy Hour with our own George Campbell on the Ramsey Network. And my daughter is my co-host today. Thanks for joining us, America. The phone number is 888-825-5225.

Brandon is with us. Brandon is in Evansville, Indiana. Hi, Brandon. How are you? Hi, Dave and Rachel. Thanks for having me. Pleasure to talk to both Indiana. Hi, Brandon. How are you? Hi, Dave and Rachel. Thanks for having me. Pleasure to talk to both of you. You too. What's up? Yeah, I've got a question for you. This is a phone call compared to a lot of the ones you get to have. I've been listening to you since about 2007 or so. I'm debt-free except for the house right now. That's all about the change. I've got a significant windfall coming from work

that's life-changing, essentially. And I'm trying to get my ducks in a row. I've met with my financial advisor. I'm meeting with a CPA and a state attorney coming up here in the next two weeks. Wow. And so the real question becomes the buckets, the percentages, how they change the give, save,

and spend. And really kind of focusing on the giving portion on like, what percentages do you give for that? And how do you make it put boundaries on that? So you don't find, you know, I don't think I have anybody like that that would do it, but just, you know, you don't know who's going to come out of the woodwork if you start giving money away. And I just want to be able to help out people. And then on top of that, on the back end of it, just some of the other fun stuff we get to do with it as well. Yeah. How much money are you getting, Brendan? Yeah, it's in the seven figure range. Over a million bucks. Yeah. Wow. Good for you. I'm so proud for you. That's great. Way to go, man. You killed it it how old are you uh about 40 way to go good for you man you're killing it it's awesome yeah how

much is left on the house brandon uh about a hundred thousand oh my gosh okay so most of this is is all for you guys so it really does fall in the three buckets then okay yeah and and and really just kind of i i don't know what percentages to put everything in. Obviously, you know, obviously give 10% is kind of an easy one, but then, you know, if I want to go either above that or just help others, my family. Are you attending a local church? Yes. Okay.

Okay. So evangelical Christians teach and believe, and i'm one of them that we give a tie the tenth of our income to our local church okay and so i start with that on mine so when i get a check like you're talking about uh fifty percent is gone because forty percent's going to stinking taxes and ten% is going to tithe. So then the give-save-spend buckets are with the other 50%. Okay. Okay.

So let's just say you got a million dollars as an example. Okay. And, you know, and we're not talking about paying off the house because you're getting more than a million dollars. So we'll just use the million dollars net. So you're going to pay $ 000 in taxes on it and you know because you have to pay your fair share you communist and so you know you know how that is right a bunch of crap and so um you know like like it's like it's somebody else's money other than yours but he can't help himself brandon anyway i can't stop it's close to april 15th this stuff just comes out i can't stop it but anyway so okay so 400,000 400,000 is going to stupid government 10 percent's going

to your local church to tithe and other giving would come out of the 50 so i would add some other percentage out of that other 50 how are you going to break down that other 50% towards investing further, you know, investing, further generosity and enjoyment or lifestyle adjustment? Okay. And so if you put 10% on lifestyle adjustment, you've got $100,000 to blow and have fun with, go on a trip, buy a car, whatever. And that would leave you 40% for giving and for investing.

If you put another 10 on additional giving, I'm just making these numbers up. There's not a wrong number or right number, okay? Then you'd have another $100,000 to give, and that would leave you with $300,000 invested out of that particular million dollars. If it's $10 million, it's going to be 10 times that much. So you look at percentages and lay those out ahead of time, and then that sells you as you can sit down with your investment folk and go, I'm getting ready to bring you a check for this to invest. Let's talk about what we're going to do with it.

And then you can start talking about what ministries or charities we want to support with this money um and then you start putting boundaries as you said on that to be a wise investor into god's kingdom with ministries and charities so you don't want you know like you said i'm not gonna i don't want to put this in a bad place and so but you can't keep some for an individual right if something comes up you know and you want to buy someone a car or something you know what i mean you're able to yeah you can do that too but of course you know tax deductible is going to be going to that's true yeah if you if you're concerned about that at all is going to be going to a 501c3 unless you form some kind of foundation and i don't know how much money you're getting but you're probably not in the foundation level yet

um but um because it takes a bit of money to maintain that sucker i have a question for this specific amount of money is this kind of a one time like oh my gosh this just happened it probably will never happen again or is it are you in a position career-wise where this could be something that happens every three to four years do you know what i mean is it it could happen more times over let's just say i got on the right bus and they put me on the right seat so it all worked out well okay okay that's good yeah so i think especially with that putting these habits in place because as this comes up you'll start to know oh yeah that like it will start to flow more right as as you lay this foundation um that's exciting what i didn't do when i got the first one of these is i i was very intentional with everything except um i just dumped the giving part in an account,

and then I had to clear it out by year end or I was going to get taxed on it. And so I had to rush around at the end of the year and pick out some ministries to put it on. And I did that like two years in a row, and a guy who's a billionaire, I was sitting with him, he said, you know, you would fire somebody if they managed your investments that way. You need to be better at investing God's money than that. You need to be as careful on investing his money as you are investing the money for yourself. And so you need to be doing due diligence on these ministries and checking them out and doing all this stuff. And that is

what led me, because we were starting to have these events pretty regularly to forming a foundation that Rachel's sister runs, the foundation, and she vets all these things now. But at a minimum, you've just got to be thoughtful about who you're going to give it to because if you give $100,000 to a ministry that their whole budget is $100,000, you could screw them up. Yeah, I understand. Or if they're misbehaving with the money, or they're usually not misbehaving, they're just incompetent sometimes. Yeah. I understand. that brings some harm, right? So it is, it's being really thoughtful and wise about the amount of money you give to each. But that's the fun part, Brandon, too,

is yeah, figuring out what do you guys love as a family? What are the things that you're like, oh my gosh, we wanna put our resources and our money towards this type of organization or that are doing, you know, it's doing clean water or rescuing kids out of trafficking or like, you know, you get to really figure out

as a family, what are these things that we're passionate about? And that's the exciting part about all of this. It can be so helpful. It can be so, so helpful. We've had a lot of fun with it. This is The Ramsey Show. Rachel Cruz, Ramsey personality, is my co-host today.

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desktop we would love to have you part of the every dollar family you can get started for free allison is with us in los Angeles. Hi, Allison. Welcome to The Ramsey Show. Hi, Dave. Thank you so much for taking my call today. Sure. What's up? So I'm 21, and I graduate next month with a degree in finance. Good for you. And thank you. And so I've been dating my boyfriend now for almost a year. And, you know, as I'm graduating and as we've been talking about our life together, our future together, we have the idea of moving to Texas has come into mind. And so the idea kind of came into play because my boyfriend has a buddy out there that he could work with and make more money than what he's currently making. And I'm

willing and open to the idea. However, I made it very, very clear to him when we started talking about the move that we both needed to have at least a couple thousand dollars saved up prior to the move. And I'm there. I have that money saved up. I'm pretty much ready to move after I graduate. And I've talked to him about potentially going and moving to Texas about one to two months before I do because in the whole time that we've been together I've never seen him work full-time he's not in school and he never went to college and he works about 20 hours a week right now as a personal trainer in his own business and so I kind of threw that idea out there for him and he doesn't

want to move out there without me because he thinks I won't follow him. But I genuinely believe that he doesn't want to move out there with me because he doesn't have the financial means to do so. And I think he wants me to be there with him so he can lean on me a little bit. But I've been burned in the past by an ex-boyfriend in a similar situation, and I lost thousands of dollars. And so I don't really know what to do he tells me that his financial status is none of my business but I'm thinking for moving in together it should be uh warning warning warning I work 20 hours a week and my money's none of your business. Warning, warning, warning.

The bells are going off in your head so loud that you can't even hardly speak around them. Aren't they? Yeah. You have alarms going off all around you. You just described them to us very clearly. I know. Yeah. I know.

It's a hard pill it's a hard reality. It's a hard pill to swallow, the reality of, of what the situation is. But I think you know it, Allison. Yeah. And I just,

I've talked to him, you know, and this also just, it impacts me a lot because, you know, as I said, I'm about to graduate. And so I started looking for jobs out in Texas,

but we're kind of at the mercy of, you know, one of his friends says he can come and he does. So the problem is, you're building your life around somebody, number one, that you're not married to, right? I mean, you have no legal grounds on any level. And, you know, you've been burned in the past financially with relationships, as you said. And, and so you're following somebody that there is no true commitment and no true legal binding of anything, right? And so, I mean, that's red flag number one for me. And number two, yeah, there's so many splinters off of the situation that if I were your friends and sitting here, I would say, Allison, what's best for Alison? What's best for

Alison? And that would be a different question if you guys were married. What's best for you guys as a couple? But you're not. And so having that level of independence for you, Alison, to be able to say, what is best for me? And is it moving to a place that you don't have a job right now uh following a guy who won't even let you into his finances who hasn't had a pattern of doing well financially or work wise because somebody of his x y and z it sounds like a disaster it really does and so allison you are um very wise for 21 years old because you've actually analyzed this pretty carefully. You've got all the key points in the decision. What's hurting is that it's leading you to a conclusion that is painful.

If you had a little sister, do you have a little sister? Yes, I do. How old is she? She's 12. Okay. So she's 21, and you're now 30. And she comes and gives you this scenario. What are you going to tell her?

I would tell her not to do it. Okay. Absolutely not to do it. All right. But the thing is, I'm in this place where I am worried that, because he treats me so wonderfully, and I'm worried that I'm never going to find somebody. No.

He actually doesn't treat you wonderfully. If he was working like 60 hours a week making $100,000 a year, showering you with gifts and paying for everything and asking you to marry him so that he can make a lifelong commitment to you and then honey let's go off to Texas and make a wonderful life. That's treating you wonderfully. Not come over here so I can lean on you because I don't work much. Yeah. That's not treating you wonderfully. It's not the definition of wonderful.

You would tell your little sister that. All I'm telling you is what you've already told me. I don't really know what's going on except what you told me. But I can tell you this. I have had these situations over the years where everything in my brain is telling me not to do something, but my heart is pushing me forward anyway. And I always look back and go, ouch. So there's a proverb, Proverbs 27, 12. It says, I just looked it up because I couldn't remember exactly where it was when we were talking.

And there's actually a book been written on it by andy stanley but he says a wise person sees danger ahead and avoids it but a foolish person keeps going and gets into trouble and so yeah no kidding you know i mean that's you know like the proverbs kind of obvious and and but it's i've at times gone ahead anyway even though i knew down in my you down inside of you you know your spirit is telling you you're the the better parts of allison are speaking to you and you're saying this guy's not yet eligible for a life partner he hasn't earned the right for someone as good as Allison yet. He may be a sweet guy, but there's a lot of lazy guys that are sweet. Yeah. So what do you suggest I do?

I mean, we come from very, very different financial backgrounds. My parents are immigrants, and they didn't get the opportunity to go to college, and they worked so hard to be where they are today. So your family is a family of work ethic. Yes. And you are. You're a person who works. Yes.

Tell him that. I have two jobs. Tell him that. Say, I can't go with you until I see some financial responsibility and some work ethic. And his codependence on you, not just financially, but the idea that if he moves first and you may not follow and that scares him, that's not strength either, right? There's an emotional codependence there as well, Allison. And let me just say too, and you would say this to your sister if you were 30 and she was 21. He's not the only one.

Oh, God. He's not the only one, Allison. I promise you. You're 21. I promise you. Unless he changes, he's not the one either. Yeah. Okay?

Yeah. Because he's not. Don't. You've not described to us someone that is worthy of you. That's right. Yeah. And when you limit options and you think this is it this is it if i if i don't choose him i'm never going to get married you know or you know you start to lose the ability to make critical rational decisions with your life and um and i just want to tell you there's more out there and you can choose to stay in the relationship and he goes to te and you guys work on it and maybe something changes but as of now I would not move to Texas 100%

Rachel Cruz Ramsey personality is my co-host today we invite you if you're in the Nashville or Franklin Tennessee which is just south of Nashville area, stop by our offices anytime. We'd love to have you. We do the show from 1 to 4 Central Time, Monday through Friday. There'll be two of us, Ramsey personalities sitting here doing this exact thing. And you can come sit in the lobby, and we make homemade cookies so it smells like Mama's Kitchen. And they're free to you, and we make coffee, and it're free to you and we make coffee and it's free to you and people come and sit and watch the show we have no idea why they do that except it's

free and so and they're cheap they're cheap people sitting out there right now y'all are no they're so great they're wonderful cheap people that's right it's free entertainment it's not great entertainment but it's free and so we love you we're glad you're here uh and on the on the debt-free stage which is in that lobby sam is with us hey sam how are you hi i'm really excited and also nervous we're all so excited to have you here and you no need to be nervous we've never lost a patient so where do you you live? I live in Allentown, Pennsylvania. Wow. Welcome to Nashville.

So good to have you. Thank you. And how much debt has Sam paid off? $163,000. Yeah. Nice. And how long did that take you? 29 months.

Good for you. And your range of income during that time? I started at $53,000 and ended up at $155,000. Oh my gosh. What do you do for a living? I am a researcher. Okay. And how'd you kick your income so hard? So I actually, the reason why I started or the reason I had a whole bunch of debt was because I have three degrees and my first job was kind of like an intern. So I was only earning $53 53,000 and then so what are your degrees in um I have a bachelor's degree a master's in public health and then a doctorate in public health wow wow what do you do for a living um a researcher yeah public health researcher okay okay it was at

all the 163,000 133 with student loans okay what was the other 30 um a car that i bought myself for graduating we celebrated yes i got 130 000 in debt i'm gonna celebrate with another 30 yeah yeah very cool okay so what happened how'd you find this ramsey people stuff and start doing this stuff 29 months ago the man over here the man over here oh there he is um yeah so when we first started dating I would say maybe like four months into our relationship he sat me down and started talking about finances and I do not talk about finances I'm not from a family that talks about it and he asked me how much debt I had and I was like okay this is these are not the questions yeah And so I told him how much I had in student loan debt. And he was like,

oh, I like he was debt free. He's like, I'm not prepared to really be married into debt. And I was like, okay, well, clearly what you're telling me is you don't want to be married because there's no way I can pay off all that money. And he introduced me to Dave Ramsey and the baby steps. And I just, I was like, okay, if I'm going to do this, I'm going to actually do this. So I just, from that conversation, I realized I needed to get a higher paying job. I left my job at a university, found another job and started working two jobs to be able to pay off the debt. Wow. Okay. And I think I may see a ring. Yes. So did he say the traction's going? So I'm going to propose. Oh my, okay. So after I paid off my debt that weekend, we went to celebrate paying off my debt and you proposed. So

yes. So you're, so you're so you're newly engaged newly engaged yeah man he's hardcore he is hardcore I wish you had another microphone I would I would want to interview him I'm like so many questions was it really that no that's so great though good for you and honestly just doing it for yourself I'm like yes that's amazing and to think that you went from this this will never be paid off what are you talking about? To a little over two years. It's really intense. It was a lot of sacrifices, very intense. I didn't realize like the emotional toll

that paying off my debt would actually have. What do you mean? So I assumed like, you know, you click the submit button on your payments and you just keep it pushing. But knowing like the sacrifices that you have to make when it comes to saying no to friends and family um I also moved from Philadelphia to a smaller town um to lower my cost of living and being away from friends and family in Philadelphia was also a little bit isolating um throughout the

process but I mean the emotions of like okay this I need to get this done and I'm a very get things done girl so right when I set my mind to it I was like okay so you didn't you didn't you're such an intellectual academic type with your PhD that you thought this was an intellectual exercise and then when you hit the submit button that was you suddenly realized freedom is not an intellectual exercise no yeah i thought it was just you know you make your payment you keep it pushing but that's pretty cool that's pretty cool yeah that's a beautiful picture i like that very cool you're amazing great great great smile she's got i know so beautiful okay so when you think back over those two years what was like the biggest thing that really helped you on this journey?

If someone's listening right now, what would you tell them? Like here are one or two things that you have to do in order to do it in this intensely because it's impressive. You went for it. Yeah. Yeah. I think the motivation for my now fiance, then boyfriend was very very helpful I think you have to be very intentional I think doing it like half piecing things together is not going to get it done

there were a lot of times where I'm like okay I want to kind of quit but knowing that I am intentional I put together a budget I had spreadsheets of how long it would take me what my payments would be every single month making making sure I'm like checking it off. Like I made this payment, I made this payment. And then like celebrating the small wins, I think was really important. Cause if I was just, okay, I got the car out the way I got this loan out the way and just kept on going, it would have been exhausting. And just being able to be like, okay, I had this $5,000 dollar loan I just paid off yay okay let's move on to the ten thousand let's move on to the fifteen thousand um and then at the very end my I had a hundred and seven thousand dollars in federal loans and that was probably the hardest one to pay off because it was all together but I had celebrated so many of my small wins and like

the steps that it kind of was like oh you, you did that already. So what is this? Like, let's do this. It's just, well, not just 100%. It's just 100%. Compared, yeah. Yeah. Way to go. Way to go. You're amazing.

What a hero. Thank you. So when you graduated from high school, were you a valedictorian? Oh, no, no, no. I am an accidental academic. I had no intention of even honestly going to undergrad for my college degree. I was like, okay, I graduated high school. That's good. And I decided to get my undergrad degree. I stumbled into my master's degree and someone encouraged me to go for my PhD. So that was not the path I envisioned at all for

myself and ended up doing all of it. So I think that was kind of how I viewed a lot of the debt-free payments. I had overcome so much just to get to where I was and I was like, oh, okay, I could definitely do this. I've done stuff. Exactly. One more hurdle. I did this. I mean, I got a PhD. I got a master's. I've done stuff. One more hurdle. I did this. I mean, I got a PhD. I got a master's. I can knock out a little bit of debt. A little bit of debt. I can do it.

You're amazing. Thank you. Well done. So great. Did you do any side hustles to up the income during it? Or was it mostly just salary? Yeah, it was mostly. Actually, it was all of it was salary.

So I was working two jobs at the time. I had a job on the West Coast and a job on the East Coast. I would wake up early, do my job on the East Coast, then start my job on the West Coast to be able to like juggle both of the different jobs. And I was very excited when I paid off my debt because like turned in my two week notice. I was like, I can't do this anymore. I'm done. I'm done. Oh, that's so great. Do you have a wedding date yes next year october 24th 2025 we're so excited thank you thank you well done well done proud of you i know he is obviously who who else was cheering you on um i honestly i think i was introducing my friends to this

so it wasn't necessary it was like education and bringing people into the fold. A lot of my friends also have a lot of student loans. So having conversations with them about like my journey, the importance of paying it off. And I was able to have those type of conversations and get them to a place where they wanted to also start paying off their debt, which is really exciting. That's awesome. That's awesome. Sam from Allentown. She's amazing. $163,000 paid off in 29 months, making $53,000 to $155,000. Count it down. Let's hear a debt-free scream. Three, two, one. I'm debt-free!

Yeah! Woo-hoo! Look at that, ladies and gentlemen That's what a hero looks like This is the Ramsey Show Our scripture of the day Isaiah 55, 8 and 9 For my thoughts are not your thoughts

Neither are your ways my ways Declares the Lord As the heavens are higher than the earth So are my ways higher than your ways my ways declares the Lord as the heavens are higher than the earth so are my ways higher than your ways and my thoughts than your thoughts Mary Kay Ash said a mediocre idea that generates enthusiasm will go further than a great idea that inspires no onein is with us in cedar rapids iowa hi austin welcome to the ramsey show hi how are you today better than i deserve what's up hey i've got a i got a question um i'm recently married i got married in november congratulations thank you um we have one daughter. She just turned two actually a couple weeks ago. And I'm stuck in a hard place right now. We had a rollover loan that rolled over for an auto car.

So I have a 2015 Jeep that I pay like $920 a month on. Um, on top of that, we have some credit card debt and we've hit a rock and a hard place. Um, you know, I'm 23, she's 23 with a two year old daughter. And I mean, as a,

after doing our taxes this year, I really sat down and I looked because I do my own taxes. That's one thing that my parents taught me before I moved out. So I did my own taxes and combined the two of us, we made like $94,000 for the year. And me and her have absolutely nothing to show for it besides our little family and our daughter. And it's real frustrating because I'm not getting anywhere and I need to know what I need to do differently. Okay. So for you guys, the debt itself, how much do you owe on the car total? I know you told us the car payment,

but what do you owe total? Sure. So I have $38,000 that we owe on it yet. And it's a 2015 with 140,000 miles on it. And how did that end up being a $38,000 loan? So I personally sold my personal vehicle when I got my job because I have a company vehicle. So I eliminated my car payment period. Well, so this was all before we had our daughter. So we lived together since we've been 18, 17 at that. We've been living together since we were 17. We dated for five years and we were kind of on that young and dumb stage. So our money spending was, you know, snap of the finger we did what we wanted when we wanted we had how did you buy a car for 38 000 so we have a good relationship built with

our bank she had rolled her first car so then she had to roll the money from her first i mean she rolled it you mean she mean she wrecked it? Correct, yes. Okay, and so she got a check for totaling the car, right? Correct, but it didn't pay off the loan because it wasn't worth that. Oh, okay, so she didn't have gap. Okay, and so how much was she in the hole on that? So I think they rolled like three or four thousand over into the car she had and then once that we found out we were pregnant and we had the child

we turned that car into an suv for the space and that's where the rollover rolled again, so then it turned into instead of $4,000 in the first time. So it's basically three car loans into this car. Negative equity, and that's how you end up with a car that's worth a fourth of what you owe on it. Okay. All right. It sounds like you've got a great relationship with your bank.

They screw you pretty regularly. Well, so we think it's a good relationship because I can make that phone call and say, hey, you know, I owe a lot of money. Yeah, and they just keep loaning you money, and they've completely messed you over. They're just wonderful to you. Dude. Okay, so Austin, what? The snake bites me.

I love it. I love it. Do it again. Okay, what other debt, Austin, is there? There's the car. What else? Yeah, I was a firm believer in no credit cards. We got out on our own.

I am now renting a house for us. We moved out of her mom and dad's house. Okay, is there any other debt? I had applied for three building credit cards because I have four parents. Let's just stop. Let's just stop, okay? You make $94 94 000 a year you guys have no idea where it's going we need to start with that and so let's put you on the

every dollar app i'm going to give it to you okay okay and you guys the two of you are going to sit down tonight use that app we'll line you up with it on the phone, and you all sit down and lay out a budget and tell every dollar of your income this month before it comes in what to do. So it's already scheduled. Every dollar is already scheduled out for the whole month, and you won't get to the end of the year and go, where the crap did $94,000 go? Because you're going to tell it what to do before it leaves. That's going to change your life.

And the first thing you're going to tell it what to do is save $1,000. The second thing you're going to tell it what to do is start paying off your debts as fast as you possibly can. And that means you're going to stay out of restaurants. Cut up the credit cards. You're going to cut up your credit cards. And it means you're going to quit buying crap you can't afford. And your young and dumb, as you put it, season is over.

Now you're young and smart, ready put it season is over now you're young and smart ready to go ready set go i'm also going to plug you into our class which 10 million people have been through austin it's called financial peace university i'm going to give it to you if you promise me you and your young little new wife will watch every stinking lesson and do everything I tell you to do. If you do, you'll get out of debt and become wealthy and never again make $94,000 and wonder where it went. Does that sound good to you? Yes, please. I appreciate it.

I've been listening to your show all day, eight hours of work in my earbuds, listening to your guys' podcast all day today. You can do that. I've been on hold for two hours. Yeah, and Austin, just know that there is hope in this. I'm like, there's people literally all over the country and even the world that have started exactly where you are.

You're normal. You are literally the epitome of normal in America, living paycheck to paycheck, making good money, and having nothing to show for it, which are your words. I mean, that's literally you. And there is just a systematic plan, and you have to do it specifically, like so intensely, every single step in the right order. I think coming to this conclusion, which I feel like you're at because you called, is saying what I've done and what I have chosen to do with money has not worked. And when you have that moment to say what I've done isn't working, I'm going to have to do

something totally different. And even if it feels uncomfortable, even if there's things in the plan that you're like, oh, well, we're going to kind of do this this way. No. Say, we don't know what we're doing. So we're going to follow a proven plan. And when you become so laser focused in this, Austin, you're going to look up in months, number one, once you start doing a budget and feeling control. But the amount of progress you guys can make in the next year or two, because it'll be a marathon. It's not going to just change overnight. It's a marathon in this, but you're going to start seeing that progress. You really, really are, but you have to be committed to the actual plan and i think that's where people get in trouble a lot is they try to do their own

thing in the midst of trying to you know do it so when you guys both lock arms just be fully committed in this and you really will start seeing progress yeah she she's exactly right normal in america 78 of americans live paycheck to paycheck with too much month left at the end of the money. Credit card debt, car leases, whole life insurance, time shares, and a student loan that's been around so long they think it's a pet. That's normal in America. Let's just be real clear. Normal sucks. You don't want to be normal normal's awful the last thing you want to be when normal is failing is normal and austin you're you're just one of

many millions of people that live this way and the great news is what rachel said is true you can just decide to change today you can do it at 21 you can do it at 31 you can do it at 41 you can do it at 51 you can even do it at 71. people do it all the time when what you're doing isn't working you need to change and it's the coolest thing happened so we're going to help you brother you call us back if you've got questions along the way and don't you deviate one iota from So we're going to help you, brother. You call us back if you've got questions along the way and don't you deviate one iota from what we're telling you to do. Do it exactly.

Doesn't give us any extra money when you do. It gives you extra money when you do. That puts us out of the Ramsey Show and the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace and that's to walk daily with the Prince of Peace, Christ Jesus. Take care.