The Ramsey Show - App - How Do I Learn To Be More Patient About My Life and Career? (Hour 3)

Episode Date: January 25, 2021

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave 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, Dr. John Deloney. Ramsey Personality is my co-host today. Open phones at 888-825-5225. Christopher is in Scranton, Pennsylvania.

Hi, Christopher. How are you? Hey, Dave. How are you? Great, man. How can we help? Good. So I'm 23 years old.

I'm still living at home. Just finishing off my debt. I have 6K left paying it off. So if you were in my position, 23 years old, what's your next step once you're debt-free? Should you invest? Should I save more or save for a down payment on a house? Just curious what your info is. Cool. You're doing great, man. Congratulations. Thank you. How much have you paid off? Started at $32,000. Wow. Good for you, man. Congratulations. Thank you. How much have you paid off? It started at $32,000. Wow.

Good for you, man. What do you make? Thank you. $83,000 per year. Good Lord. What do you do for a living? I am a project manager. Excellent. Good for you. Thank you. You're killing it.

Okay. Thank you. You're making great money. You like your job and your area, huh? I do. My job is a blast. I really enjoy it. Man, that's good to hear. The area I don't have an issue with. I don't like the winter, but I think I'll stick around here for a while.

Sure. Okay. Well, we teach folks to become debt-free, which you're very close to doing, to build an emergency fund of three to six months of expenses. That's baby step three. And then start saving 15% of your income towards retirement. Sometimes between baby steps three and four, between getting your emergency fund done first, people will stop there and save up a down payment for a house before they

start saving for retirement, particularly in your age group, because you've got plenty of time to get after the retirement, and you're not going to be sidelined from retirement saving very long to save up for a down payment on a house. So what would I do if I woke up in your shoes? I would make plans to have my own rental place within 90 days. Okay. And I would rent for a little while while I built up my emergency fund

and started saving for the down payment on my house and plus or minus start saving for retirement. But it's been my experience that it's going to be very, very good for you. You make a lot of money. You're doing really good. Great first job out of the gates, man. I mean, your income's amazing.

You've cleaned up your debts. Being on your own is a great next step. Right. Right. Do you have a good relationship with your folks? I'm sorry? Do you have a good relationship with your folks? Yeah, it's very close. Yep. yep man so leave it on a high note i love dave's recommendation right yeah they um

the good relationship with mom and dad makes my suggestion feel a little bit um ludicrous because why not stay there for rent free and build up some cash? That's what runs through mom and dad's head because they don't necessarily want to kick you out, and it's what's running through your head. I will tell you that the advancement of your adulthood will far outweigh your wealth building over the next 10 years by moving out earlier rather than later. Their math is wrong. And the good news, I mean, I had one of our kids live with us for a little while right after college,

and we love her, and honestly, to this day, she could live there and I'd be fine. I mean, we get along well and, you know, all that kind of stuff. It would not be an issue at all. There wasn't anything driving her to leave or us to throw her out or something like that. But she stayed about 90 days and went out on her own, and it just changed the way she walked. It changed the way she talked. It changed the way she functioned. When you start buying your own groceries and paying your own light bill, it just changes stuff.

And I hear so often folks get to that relational tension where mom and dad and you just can't sit at a table hardly. You hate it when they walk into, quote, unquote, your room, but it's in their house. All that. Leave on a great note. Leave when everybody's. When nobody wants you to leave yeah you still have lunch once a week go go to lunch on sunday afternoons together still and yeah be connected still watch the game with your with your old man but um leave while things are

good and your your financial footing is so strong right now you're good to go man making 83 at 23 it's a different world that's that's not the world I lived in. That's good, man. Way to go, man. So proud of you. Project management's a great field. Great field, for sure. Well, it is time to put 2020 behind us. If you're ready to own this year and actually accomplish your goals with your money, your career, your life, we've got the plan to get you there.

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will help you feel like you again. And to help you with your money goals, pick up Rachel Cruz's brand-new bestseller, Know Yourself, Know Your Money. This book will help you tackle your money mindset so you can make real progress and reach your goals even faster. Online store at DaveRamsey.com backslash store to get serious, make some real progress. If I woke up in your shoes, I would probably buy all three of those. Redefining Anxiety, the new 40 Days to Get Back to You devotional,

and Know Yourself, Know Your Money. They serve three different purposes, and they're all solid material, and all best sellers, by the way. I've seen some neat things with that redefining anxiety. I'm starting to get notes from counseling offices across the country that are buying them 10 at a time. No way. To give to their clients on the way out the door so they can say, hey, read this, and then the next session we're going to talk about it. And you've got some tools, and the counselors love it because it's short and it's simple,

and it's right to the point. That's fun. That's affirming. Hey, it is, yeah. Because you kind of expected some of the counseling community to be mad at you about this. I did, yeah, that we distilled, you know, a $36,000 degree into about 85 pages. Yeah, but I mean, some of the stuff you say is a bit heretical in that world. It is, just because it's simple, and we tend to overcomplicate things.

And it was a journey riding this for me, even. You guys kept pushing me back and saying, you're not talking to a bunch of scientists, man. How can I help somebody in their house right now who's struggling? At their kitchen table in front of their fire. Yeah, it's really's really a gift but it's neat that that's cool he's picking it up yeah that is i did not hear that yet that's awesome cool well we need to want to come up with a bulk deal man that's a that's a good thing ten dollars is not a bad ten bucks man shut up yeah cut the price even more that's right cut. Cut down what John's going to make on it. That's great. The book is Redefining Anxiety, What It Is, What It's Not, and How to Get Your Life Back.

Three out of five counselors now recommend it. Three out of five dentists, right? Dentists, that's right. Three out of five dentists recommend it. It is great. It's a great read. If you've ever had or know anybody like yourself that's dealing with anxiety, is a it's a must read and it's only 84 pages there you go this is the Dave Ramsey show You've got a lot on your plate, a job, your home, your marriage, and your growing family.

While you're enjoying the present, you can't help but think about your future and your finances. As you explore your options, consider Christian Healthcare Ministries, or CHM, for your health care. Their generous maternity program and budget-friendly monthly programs have been a blessing to members welcoming children into their families. Visit chministries.org slash budget to see if it's right for you. That's chministries.org slash budget. Dr. John Deloney Ramsey personality is my co-host today. Open phones at 888-825-5225. Cody is with us in Houston, Texas. Hi, Cody.

How are you? Hey, I'm good. Thank you for taking my call. Sure. What's up? I just needed some advice on how to practice patience better, whether it be in my career or just life in general. I'm just really impatient.

I've always been pedal to the metal, you know, climb the ladder, climb the ladder, climb the ladder, and then COVID hit and stopped all the ladder climbing. So I'm just getting kind of bored where I'm at and just needed to figure out how to be more patient with my life and career progressions. What are you running from, man? I don't know. I just, I grew up super, super, super poor and I'm tired of being that way. I'm in a lot better position now than I ever dreamed of being. I'm just, I'm just trying to not go back to that place. When you say you're in a better position, what does that mean? Just financially. I mean, me and my wife, we have a good life and better than my family ever did growing up.

So I don't know. I'm just trying to make sure I don't end up back there. When you say good life, give me a picture of that. You're talking about financially. Your marriage is good. Your kids are healthy. What's that mean? We don't have kids, but financially, yeah, our marriage is good.

I mean, we're in our second year of marriage now, so as good as two years of marriage can be during a pandemic. But, I mean, we make really good money. I mean, we're both young. We don't have any kids yet, thankfully, because they're expensive. But, you know. What's really good money? Between the two of us, about $220,000. And you're how old?

She's 27. I'm 26. That's really good money. That's great money. So sometimes when folks have a picture of a life they don't want to have, they take off running as fast as they can another direction. And that's often a good thing, right? But if your identity doesn't become about building something good,

but it becomes about not being that, then you're going to always be running for the rest of your life. And your identity will become as being a sprinter. And so there's a way you can look at this season. You're making great money, great money, astounding money in a city that's not super expensive, and you can look at slowing down as a curse or as, wow, what a gift, man. I can spend more time with my brand new wife, and we can figure each other out. That becomes, you're talking about legacy shift. Earning the money, changing your financial footing, that's part of a legacy shift, but so is having great relationships, deep-rooted trust with somebody you can anchor and rappel off the edge of anything with or survive any car crash with, right? And so I'd love to challenge you to come up with some practices that when you start running from

something, when your heart starts racing, when you get those looping thoughts in your head, I got to go, got to go, got to go, that you and your wife come up with, whether it's a code word or whether it's a special meal or something that you slow down and intentionally practice being still. There's one way to practice patience, brother, and that's to practice patience. I wish it was harder. I wish it was more complex than that. It's not. You have to decide that my life isn't going to be judged on how many zeros I have after my check. They're awesome, but it's not all of your life. You're going to have to decide that I'm going to prioritize some things in addition to changing my financial future, right? And so you're going to have to decide to not spend your life as a sprinter.

The tortoise always wins, always. There is something to be said, man. You shot out of the gate, and that's incredible, man. Do you have an emergency fund? You guys got a home? Y'all set up? Yes, sir. We're in 3B and 4, so we're out of two, and we do have the emergency fund set up.

So now you've got to do the hard work. You sprinted. You gazelled out, right? Yeah, you finished up the intensity. Now you're going to go to the intentional. And that's hard, man. Four, five, and six. It's a gear change.

So how long have you been making 220? Not that long. The last maybe six months. She just finished PA school, so when she got out and got a job, it really kicked it up. Yeah. So based on the math of what you've told me and you're all focused intensity and your high level of motivation i'm going to tell you that um 20 years from today when you're in your mid 40s you're going to have between 5 and 15 million dollars

yeah that'd be sweet now the difference in 5 million and 15 million in terms of what it does for what you're running from is zero 5 million gets you as far away from poverty as 15 million gets you the only difference is which room you stay in on vacation and which how many lobster tail you order with that steak that's really the only difference is which room you stay in on vacation and which how many lobster tail you order with that steak that's really the only and really with either one of those numbers you could do as much of either of those things as you want to do there's only so much crap you're going to be able to buy and the difference in 5 million and 15 million is merely legacy stuff it's merely stuff you can do with generations It's merely stuff you can do with generations.

It's merely things you can do with generosity. But your actual state of well-being, the difference between $5 million and $15 million is almost nothing. The difference between $5 million and $15 million, the price you would pay psychologically, emotionally, spiritually between now and then to have then to have 15 instead of five ain't worth it is my point so five five at five at 20 years from today or seven or 10 at 20 million 20 years from today running a marathon pace instead of a sprinter's pace is all i want for you i don't want you to have 20, and there's nothing left in your guts. And your kids don't know who you are, or they don't like talking to you, or you're on marriage number three. And I work with wealthy people for 25 years, man, and I am wealthy.

And so, you know, I get up on Sunday morning and go and go to duncan donuts at six o'clock in the morning and take the grandbaby's donuts with sprinkles on them and you know you can do that with five million you can do it with 50 million you can do it with 500 million um you know and the laughter of the kids is really not even going to change the car you drive in that between the difference between in other words a certain point, wealth only begets more wealth. It does not change your situation. That's right. It doesn't change your setting.

Right. There's only so much. I mean, when your home becomes 2% of your net worth instead of 8% of your net worth, it doesn't change anything. Right. Yeah. It's not a thing. When it's 100% of your net worth, that's when change anything. Right, yeah. It's not a thing. When it's 100% of your net worth, that's when you are feeling that one. Right.

You are feeling that one. But at some point, your environment is no longer – your personal lifestyle, your environment is no longer affected unless you're just some kind of freak who's just buying, you know, stuff like, you know, whatever, bling, or you're trying some kind of freak who's just buying you know stuff like you know whatever bling or you're trying to just buy stuff to impress people i mean you can do all that but even then you know you just got another yacht that you have to work on right and they break down and so if you've ever been hiking in the woods and you turn a corner and there's a bear you have a built-, your heart races when you go in the woods.

Whenever you hear something rustling, you immediately, you've got to train yourself over time to not see a bear everywhere. It's a rare occasion. I've been in the woods a million times. It just doesn't happen that often. It does occasionally. But, man, when you've seen poverty, when you've seen pain in your families. I love this question.

It's just such a good question. I do, too. And it's so hard to get your head out of that because, man, our brains take care of us, Dave. It's an interesting way to ask it. What's that? How do I learn to practice patience? That's somebody that's got some wisdom and he's starting to see it, right? But I don't think it's patience.

I think it's contentment. That's it. How do I practice peace? Godliness with contentment is great gain. I'm working this year to reverse engineer the fruits of the Spirit. What does it look like? Where do I see peace? Where do I see gentleness?

And where can I trace that limb back? Instead of trying to do it over here, I'm trying to walk it back. I'm just going to open a can of gentleness. That's exactly it. That's not how it works, right? So where do I see it? And I love his question because he's searching for, hey, we got that money, and I still am not just falling asleep at 10 o'clock.

I'm still waking up too early. Motor's still running. How do I just go to sleep? And I want to tell you, you practice peace. You practice gentleness. You practice forgiveness. And slowly your default setting falls that way. That's good. But he's on it, man, because he asked the question, and slowly your default setting falls that way. Yeah, that's good.

But he's on it, man, because he asked the question, and that's a gift, because he's not blaming everybody for his lack of sleep. He's not chasing pills. He's not chasing anger. He's saying, how do I practice patience? And you practice patience by practicing patience. There you go. Dr. John Deloney, this is the Dave Ramsey Personality, is my co-host today here on the air.

Mike and Marianne are with us in Richmond, Virginia. Says on my screen, you guys are debt-free. Congratulations. Thank you, Uncle Dave. Way to go, Virginia. It says on my screen, you guys are debt-free. Congratulations. Thank you, Uncle Dave. Way to go, guys. How much have you paid off? We paid off $172,000. All right.

And how long did that take you? 27 months. Wow. And your range of income during that time? $150,000 to $200,000. Very cool. What do you guys do for a living? I'm a small business owner and general contractor.

And I'm a fundraiser for a university health system. Awesome. Way to go. So what kind of debt was the $172,000? We had, where I had a little bit of business debt, I think it was two vehicles, student loan, and some renovation loans for our home. Okay, so you're just kind of normal. Very normal. Pretty normal, yeah.

No credit card debt, but yeah. How long have you guys been married? We've been married almost three years, our story is pretty cool dave we met about 30 years ago through church and even dated a little bit in high school then went our separate ways married mike had two children we both went through a divorce and reconnected about four years ago and did what any newlywed in love couple would do. We bought a house, a 200-year-old farmhouse, and financed a $100,000 loan. So before you knew it, we were almost $500,000 in debt. Wow. Wow.

Yeah. Yeah, that was a big tipping point for us, for sure. And we were on a long drive, and we heard this Dave Ramsey podcast. Mike had read The Total Money Makeover. And in that process, we looked at each other, and we said, we could do this. We could, too, be debt-free. I know that we can make this happen as a couple. So, Mike, you got her in the car before you put the podcast on, huh? Well played.

Trapped her in for a long trip. She had nowhere to go, man. Well played. Trapped. Crazy Dave Ramave ramsey oh my gosh oh man so how long was this drive i do think it was about an hour and a half and i think she said hey do you like podcasts and i i think i said do you know who dave ramsey is and Ramsey is? And that was how that started. And we were listening to it, Dave, and we thought, gosh, these people are amazing. They're paying off hundreds of thousands of dollars.

We have that same problem. Is there any way that we could do this? And I think we were pretty scared at first, but the second we got married, we combined all of our finances, and we went right into the snowball. And it really changed our life, both individually and then as a couple. Coming out of two failed marriages, how hard was it to combine your finances? That's a really good question. I don't think either one of us had a lot of expectations based off of our previous experiences. But because we didn't have partners in our previous marriages,

it was really fun to kind of learn how to do this together. And there was no point of resistance at any time to do this as a couple. Yeah, and the best part has been doing it together and having that partner. What I tell people all the time is that marriage can be wonderful and the financial part of marriage can be even better. It can be a lot of fun to dream and plan. And not only did we accomplish this goal, but every single day we dream together about what we're going to be able to do in partnership. Man, that's awesome. That's the key to success, especially in second marriages, is being able to say,

we're going to build something brand new together, and we're going to plan it and see it and dream it, and then go make it happen. And good for you guys. That's incredible. Very well done. Very, very well done. All right. You pay off $172,000 after listening to a podcast in 27 months.

What else did you do to get out of debt, and what are the keys for the listener out there that this is, maybe they're in the car trap listening to this podcast, and they're going, hey, these people paid off $172,000. Tell them how you did it. Yeah, the first thing we did was we sold a car we didn't need. We got on the EveryDollarPlus app, which has been amazing, totally transformational for us. And we had a plan.

Every single month we had a plan. We would sit down on Saturday mornings together and we would decide where our money would go. We cut up the one credit card we had that we hardly even used. We refinanced our house. We took side jobs. We increased our income through promotions. We did everything that we could to stay focused together. And before you knew it, we had paid it all off.

That's powerful. And I think, you know, the secret, and we've talked about partnership a little bit already, but for me it was, you know, the promise to each other to always be in partnership, to have patience with the process, and to have positive cash flow, Dave. Yeah, that always helps. Yeah. So you guys almost make this sound too easy. What was the hardest part?

We were talking about this a little bit. I don't want to act like it was easy, but once we got put our mind to it, it wasn't that hard. So the thing that was somewhat challenging was from time to time, you know, we would get distracted and with things like, well, you know, maybe we should continue to give to retirement, or maybe I want to go off on this business venture and do well-intentioned things with our money, but it really wasn't the time. So we would talk through those things and just bring ourselves back to the process here and just stay focused on this baby step two. And so the challenge was just the endurance to stay

focused for that long. You know, your story is really interesting in one respect, because listening to you, you're very articulate, intelligent. You're not people who just, you know, kowtow and follow any old thing. But one of the biggest problems people have, honestly, out there is, and me included, when it comes to something like this, is am I going to submit myself to the proven process? And somehow you two decided we're going to submit to this. We're going to do it. What do you attribute that to?

And I think that's where the partnership came in. We looked at each other eye to eye every week and went, we're still committed to this. So anytime there was a temptation or there was something that came in our way or, you know, Amazon tempted me to buy something else, I'd look at Mike and we go, no, we have dreams and plans and goals. And, you know, Dave, we want to give and we want to be, you know, wealthy along the way. We want to teach our children, Mike's children, how to do the same.

And I think that was a big motivator for us with our family and knowing the kind of legacy that we want to leave behind as well. Yeah, for sure. So what you did was, and this isn't the vernacular that we normally use, but this is exactly what you did. You practiced commitment. Every week you recommitted to commitment, and every week you got together and committed to commitment, and then over time it became your way of being. So when these new ideas, these new temptations came your way, nope, we're not going to do that, right? And my guess is you also started practicing co-parenting,

and you also started practicing co-calendaring right and co-eating and co-exercising is that fair to say yeah that's pretty accurate guess yep yeah i tell people all the time and i'm not being hyperbolic but this changed everything for us we were more driven in our careers more driven in fitness and health more driven and parenting i mean everything that we've done has been better because we've been locked in financially yeah i'm snowballing in my business now that we're done doing this personally i'm so proud of you guys well done got a copy of chris hogan's book for you everyday millionaires uh that's definitely the next step in your all's journey the next chapter in your story absolutely amazing very well done mike and marianne, Richmond, Virginia, $172,000 paid off in 27 months, making $150,000 to $200,000.

Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah! Yeah! Wow. Whee! Yeah! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee!

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Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! Whee! They submitted themselves to one another every week too Also And what a great practice to start a marriage I'll tell you what man Man powerful Well done they're rock stars Absolutely rock stars This is the Dave Ramsey Show We'll be right back. Our scripture of the day, 1 John 4, 1, Beloved, do not believe every spirit, but test the spirits to see whether they are from God.

For many false prophets have gone out into the world. Brad Sugar said, Words can inspire, thoughts can provoke, but only action truly brings you closer to your dreams. Yep. Otherwise, you'd be called a dreamer. No, I'm a dreamer. You got to go do it, man. There it is.

When in doubt, bust something. Bust into it. I mean, you just got to do it. All right. Let's move quickly to calls before John sings again. Lindsay is with with us in phoenix arizona hi lindsey how are you good how are you better than i deserve what's up um well i'm a single mom and i have 50 000 um in savings wow but i guess i'm kind of uh yeah i'm stuck as in should i use that for a down payment on a house um because my income isn't that high or if i should invest it um i guess i'm kind of just like stuck on what to do with it what's your income um this year it should be $52,000 a year, but I've usually, like the last whatever six years,

it's been like $26,000 or less. So why is it so high now? I moved and I got a different job. Good for you. Good for you. How many kids you got and what ages? Just one, and she's six. Oh, good. Okay. So a single mom making $52,000 a year, and you're in Phoenix, Arizona, and you have $50,000 in cash. Where'd you get $50,000 in cash? I saved a lot. Like I saved all my tax returns ever since I had my daughter. And just, I lived at home for about almost five years until recently when I moved.

So that helped. And then. How old are you? Just working really hard. I'm 29. Okay. you're you're and that's impressive making 25 000 bucks and you save 50 and that's a grind out yeah i thought i've always been like much the favor um but uh my daughter's father he basically stole a lot of money from me and ruined my credit score. So after all of that, I just really put my mind to it and got my credit score up.

Girl, you're a warrior. That's what I'm talking about. Good for you. I'm proud of you. Well done. Very well done. Well, what we teach are baby steps. And baby step one is $1,000.

Two is to be debt-free other than your home. You've done those two. Three is to have an emergency fund of three to six months of expenses. Are you debt-free? Yeah. I mean, just my car payment. Oh, well, that would be a debt. Okay.

How much do we owe on said car um i think maybe a little less than ten thousand i should be done okay in like a year now okay so if you were going to follow our plan and do what we teach which is obviously what i recommend and it's how i live and it's how i teach people to live. You would pay off your car today, and you would take some of the remaining $40,000, and we would set some of it aside as an emergency fund of three to six months of expenses. I'm going to call that $20,000. Okay. And so 30 of your 50 has been allocated to paying off the car, and $20,000 of it is set aside.

So that leaves us $20,000 of still asking the question, what do we do with it? Do you follow what I did? $10,000 on the car. I'm sorry. $10,000 on the car, $20,000 in the rainy day fund, leaving us $20,000 to do something else with. Right. Okay. And right now it's just another regular bank account just sitting there it doesn't have to be invested to be fancy you are way ahead of people who make 10 times more than you make they can't save a nickel you're amazing

so now what i would do if i were in your shoes is I would leave that $20,000 in a separate bank account. I'm going to name that bank account House Fund. And now that we don't have a car payment and we're going to live on a budget, and we're going to make twice as much as you ever made, I'm going to put money on top of that $20,000 and money on top of that $20,000 and money on top of that $20,000. And in two or three years, I'm going to buy a house with a really really large down payment and i'm going to use that down payment money for that account okay meanwhile you never borrow money again when you do buy the house you put it on a 15 year fixed where the payment is no more than a fourth of your take-home pay but i'm going to guess and say you're probably gonna put down a hundred thousand dollars on a house i don't know that's a lot that gives me like the thing is you want to know how i

did that let me help you i did that okay you saved 50 you saved 50 000 making 25 now you make 52 i think you're gonna save 100 really fast i know000. I think you're going to save $100,000 really fast. I know. But I still think you're going to save really, I think really, really fast. You make twice what you used to make. It's just in your nature. You're a warrior and you're a saver. And you're incredible.

And I want you to do a budget with your six-year-old daughter. I want you to bring her into this and let her practice it. This is how you're going to start to change this family tree. We're going to buy us a house, baby girl. That's exactly right. Every week, she's going to get to make the little chain with you or whatever game you all come up with.

She's going to learn how awesome her mom is, what an absolute great mother and saver and planner and builder her mom is and she's going to learn what a strong invested woman looks like and you're going to she's going to walk alongside you it's going to be a great journey for both of you it is interesting to me in a culture that has completely gone wussified where everybody spends all their time being a victim everybody spends all their time looking for something to be offended by.

I get this sweet little voice on the phone who is a stronger warrior than almost anybody out there listening. Man. That woman's incredible. Yes, she is. And so unassuming. You would never think that Conan the Barbarian lives in her soul. With a giant sword, right? It's just so sweet.

Man. Oh. But she looks at that baby girl every morning and says, we're going to do this. Yeah. Right? She's got a big, big why. 52% of single moms live below the poverty level. Not her. Yeah. She doubled her income. She made a move.% of single moms live below the poverty level. Not her.

She doubled her income. She made a move. Yeah. She lived at home for a while. Moved out. Save $50,000. Listen, if you're out there and you had a tendency to whine after that call. You're done now.

Just shut up. It's over now. Man. Your whining is over now. Back in college, we called her the curve buster, right? Yeah. That's it. We all got Cs.

Everyone's going to get moved except for you. Got a 97. That's her, right? Except for the one who messed the curve up. Yeah. Yeah. We're going to grade on a curve. Oh, well, then there's.

Then there's Lindsey from Phoenix. Good for you. Way to go, kiddo. So proud of you. Well done. You know what's interesting is the number of times people face adversity, which is all of us sometimes. And most of us last year. Yeah.

And then the choice, and it's a choice on how to react to it you choose I'm going to wail and scream and wait on the Democrats to send me money or I'm going to wail and scream about whatever internet story I found

I'm going to find somebody because of that guy whoever voted for that guy whichever guy whoever voted for them you. Tell me what I want. Whichever guy. Whoever voted for them. You're stark craving evil. Both of you.

Both of you. That's right. And so you must be punished. You must be canceled. You must be killed. Or you know what I'm going to do? I'm going to show you. I'm going to live in rage and anger so that I poison myself hoping you die.

Right? I'm going to ruin all of my relationships and drive like an idiot and slam doors in my house and yell at my kids. That'll show whoever's on the other end of that computer keyboard. It's just nonsense. Or you can be Lindsay. You can just start nickel and diming your way. And say, I'm in charge of my life.

I'm going to practice commitment. And I've got to, I've got to, nobody's going to, those Lone Ranger's not coming. I'm going to practice patience. I'm going to practice commitment. And I've got to, I've got to, nobody's going to, the Lone Ranger's not coming. I'm going to practice patience. I've got to do it. I love it. Get on the back of the turtle. Great show, guys.

Great show. That puts this hour of the Dave Ramsey Show in 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. This is James Childs, producer of the Dave Ramsey Show. daily with the Prince of Peace, Christ Jesus.