The Ramsey Show - App - How Do I Talk to My Wife About Combining Finances? (Hour 2)

Episode Date: April 10, 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. George Campbell, Ramsey personality, number one bestselling author and host of the George Campbell Show on YouTube, which is, by the way, exploding. He's my co-host. The phone number is 888-825-5225. James is with us to start this hour in Connecticut.

Hi, James. How are you? Hey, Dave. How are you? Better than I deserve. What's up? Yeah, just blessed, man. I'm doing good. Good. How can we help? Yeah, so I guess my question is, about seven years ago, I was a heroin addict, and I had $736, and now I'm a top performer in

my industry, and I've done really well in that industry, and now I have a lot lot of liquid money and we're just getting into real estate so my main question is very simple is how do I go from being a multi-millionaire to a deca millionaire Wow Wow congratulations thank you you kicked one of that you kicked one of the hardest ones out there heroin is a big deal how old are you yeah well i am 43 years old without jesus christ i wouldn't be here amen amen and so what do you do uh i am in the solar industry okay and how much cash have you piled up um i have about you know liquid that's like not attached to anything that's just sitting in like a five percent account i I got about 400,000. Okay, good. So you basically earned a bunch of money and didn't spend any of it. That's an old formula, right? Yeah. I mean, I would say I was like, you know, 70,

80% really, you know, good with my money. I mean, I've enjoyed myself a little bit, but I haven't been irresponsible. I've kept most of my, most of money for my me and my family so that we could you know uh live a life that everybody deserves yeah okay um the the folks that i know so your net worth is now what uh probably around a couple million okay with uh you know investments you know house yeah money that i have liquid and then we you know right now we're currently um in the flips we're doing flips so i got you know between me and a business partner we have about 300 grand into that and we're making you know we got a good percentage off of that um but you know now we're looking into um you know multiple multiple level you know multi-unit buildings you know either flipping those or getting them and holding them and that kind of thing so you're doing all of that with

cash uh yeah. No debt? No. I mean, that's what I would be utilizing the $350,000 to $400,000. I would deploy that towards that avenue. Okay. Just making sure I understand the principles that you're operating on. That's good. All right. Yeah.

Well, congratulations. Your story is amazing. Very well done. Well, my experience of working with folks that go from, you know, a $4 million or $5 million net worth to a $10 million, $20 million, $30 million net worth, it generally has to do with two main things. One is it's an entrepreneurial endeavor. You can't 401K yourself into $20 million. It doesn't work.

The math doesn't get there. You can 401k yourself and pay your house off and get you to $5 million, but you can't get the $20 million doing that. So the folks that I know that have, again, $10, $20, even up to $100 million, they almost all have some kind of entrepreneurial endeavor, which you described. You're doing flips. That's an entrepreneurial endeavor.

You can do it with that. So you're doing something where the money's working a lot harder, and the ROI on the actual deployed cash is a lot higher than a simple mutual fund or a piece of rental real estate, okay? Right. Because most of those are going to be 10 to 20 percent rate of return depending on how you're playing it but but an entrepreneurial endeavor gives you you know margin not uh return and margins where the things go serious so um and that sounds like you're on to that um

the second thing they do the thing that that allows them to get there is they um they never uh the ones that i know that have made it and kept it okay i'm not talking about people that are high rollers and they they lose everything again after they made it all that's not what i'm talking about i'm talking about the ones that it's sustainable it's a sustainable set of principles they don't ever do what i call james bond investing in every james bond movie somewhere towards the end of the movie sometimes at the beginning of the movie he is at a card table with the evil person who's trying to destroy the world and this hand of cards that he's playing if he loses the hand of cards then you know somebody's going to die and all the all the

rest of the human race is going to collapse right you? You know the scene. It's in every movie of his. And what happens inevitably is it comes down to not just a card game. It comes down to one hand in the card game. And the sweat is breaking out on everyone's forehead. And he slides all the chips to the middle of the table on one hand. And we all hold our breath, right? That's a movie. it's not how life works so don't do james bond that's what these guys do they avoid the james bond move you don't

slot no matter how good the flips are going you always hold a foundational three or four million dollar net worth that is not involved in all this crap yep it's over there and the stuff the chips that are on the table are not your only chips and so you're you know in other words you don't lose your home if this goes sideways you don't lose your last dime and you're back to 756 dollars if this all goes sideways that's a james bond move and people think that that's all romantic, but it's not. It's just stupid. You know what I'm saying?

Yeah. Well, I do. I have it diversified to, you know, I got about a million on the market. And, you know, we got 400 in cash. And no deal that comes to your plate on these flips is good enough to get you to risk that foundational piece yep because i gotta tell you it'll it'll show up i've had deals at ramsey come in front of me that if we did the deal it was going to be the biggest thing we'd ever done and if it went

sideways it would have closed the place down and i've walked away from them on the james bond principle okay and i look back and I go that's you know I it caused me to have to grow a little bit slower but I also didn't have to start over yep and that's what I don't have no attention in certain yeah so you're looking for margin not just investing you're looking for entrepreneurial endeavors of some kind whether you're starting a company whether you're doing flips whatever it is where you're making spread, not just return. There's a difference. And, you know, when I sell a book for $20 that I paid $2 for, that's spread.

That's not return. You don't get that kind of return on a mutual fund, okay? And that's one of the businesses that Ramsey is in is the publishing business right and and so that that's you know part of where my wealth has come from is growing this business and so uh but if you look through the uh forbes 400 by the way folks this is interesting to look at um all the forbes 400 now george are billionaires. Wow. A billion is a thousand million. And the vast majority of them, I think it's 80 or 71 percent, last time I looked or something like that, are first-generation rich. They're not trust fund babies. And you can name the companies that they did. Even Oprah. Oprah is one of them, and she's a company. Okay? The companies that they did. You can name them.

A lot of that is shares, valuation. Exactly. Go Zoom, Zoom. They cash out or they don't, and that's part of their net worth. It's Dell. It's Walmart. It's Gates. And you go through it.

It's companies. And so that's where that level comes from. But you can have a great life, folks, and never do that and still get to the five to 10 million range. This is The Ramsey Show. Hey, you guys, health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So if you feel like the system is working against you, try a biblically-based alternative to health insurance, Christian Healthcare Ministries. CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981. And CHM has also helped them stay true to

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We're going to proactively coach you to build wealth and reach your goals. Download the world's best free app for iOS or Android, or go to everydollar.com and get started. And George, you and Jade are going to be hosting a budgeting live stream tomorrow on YouTube. That's right, tomorrow morning. And we're going to be taking questions from the chat, which is something we never do here on The Ramsey Show. So it's going to be really cool. We're taking a few phone calls, taking questions from the live chat on YouTube, and it's totally free. All you have to do is just hit Ramsey Show on YouTube.

You can hit the reminder button, and we'll let you know when we're live. And we're going to go live for about an hour. Yeah, about 9 a.m. Central Time tomorrow, for those of you that are catching this in time, be sure you jump out there and do that. And if you have a question, you can jump in and, again, make it part of the chat. How do I get started? How do I combine finances? How do I budget and still have a life?

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So jump in and check us out. Tom is in Vancouver. Hi, Tom. Welcome to the Ramsey Show. Hi, Dave. How are you? Better than I deserve. What's up?

Honestly, I get this question a lot. I'm married, been married about a year been with uh same girl for about five years before that um we didn't combine finances before we were married now we've been married i'm having trouble bridging that conversation with how to you know use our income together instead of separately to try to battle against you know our joint debts that we have. So you've been married for how long now? One year.

One year. How much, that's a total debt? A year, yeah. So we have, our mortgage is about $375,000. And then outside of the mortgage, it's about $150,000. $75,000 is a combination of my student loans or other student financing for my CFP. And then $75,000 is a family debt that we owe my parents.

Certified financial planner? I am, yes. Okay. I do private wealth management. What does your wife do? She does coordination for a health care company. Okay. And what does the conversation sound like when you say,

hey, I think we ought to combine forces now that we're married and combine all of our assets, our liabilities, and attack all this together as one unit? What does she say? She's always willing to contribute what's needed to a joint account, a house account that we use for things like that. But she is not really interested in having everything flow through the one account. Why?

Both of our incomes, both of our expenses out. I can't say I'd be really doving into a big reason why. That would be the first thing i would ask when she said that you don't want to combine your life with me that's a little disturbing and where's the other money going that she's not quote contributing to the joint account um she keeps it in her own account or into her like tax-free savings account yeah so basically you guys are typical by the way you're right we get this question all the time but uh my rebuttal to her uh and people

that believe like her is that all the data we have on wealth building indicates that what you're doing is not going to work yeah when we study 10 000 millionaires the vast majority of them in the 80 90 percentile said that one of the reasons they were able to get there was they had a spouse that they had joined arms with and were fighting all fighting against all odds together to get there it was a unified approach it wasn't i've got a roommate marriage is not a joint venture yep and so um that that's my rebuttal to her on that but and i think you got you need to get under that because she's still acting like y'all live together yep basically and it's time to move on to the next stage once you're married

and it's the old-fashioned preacher said, and now you are one. Now, one thing that might be happening, and the reason I was asking about your careers, one thing that might be happening is you might be math and she might be art and healing. Yeah, that's very much so yeah meaning that uh the last thing she wants to do is turn over her last little bit of autonomy to a control freak math nerd he's nodding in agreement on the other side of the phone there so you gotta so here's the way you combat that i i i know that because that's what happened at my house okay i am a control freak math nerd

and i'm good with math and you don't get a cfp unless you're good with math okay so you you and me are the same same dude so at my house i had it took me a while because i'm hard driving overbearing and all control freak all that it took me a while because i'm hard driving overbearing and all control freak all that it took me a while to heal that part of our relationship to where sharon actually believed that that her vote counted in the discussion now george however is a nice guy so whitney already believed that her vote counted with george but sharon's like you're gonna do whatever you want to do anyway why do you want me to talk about it you know that's a pretty good impression that's about right it's about what it sounds like so but but it's like it took me so we do not make decisions and have not for 30 years since bankruptcy

without making them together and i sometimes i have to force her to place her vote just to remind her that she has an equal vote because she sometimes will go oh do whatever you want to do but i know how that ends up that that story doesn't end well so i don't want to do whatever i want to do i want her input number one but number two i want her agreement so it doesn't come back on me later and so part of what you're battling is she's not convinced she gets a vote okay and you might just talk about it out loud like that and go my personality my makeup that allows me to be an excellent wealth manager an excellent cfp even passed the freaking exam for CFP, which

for those of you out in the world don't know, that's like passing a CPA. It's a real serious test that Tom has passed. And so that tells me a lot of things about Tom, right? But Tom, you just say, hey, the things that allow me to be good at this could be working against our relationship and and so i want to reset the table on our finances to where even though i'm an expert in finances we have to have equal footing in deciding about our money and you have to vote half and i have to vote half and we have to combine them and we've got to learn to work together because the benefit is going to be, and our relationship is going to be a bazillion times better.

And the other benefit is we're going to end up with more money. Okay. And all of that, as you can tell, had a lot of humility and empathy. It was not attacking and aggressive and combative. That's not going to get you far. Yeah, he's not. You're not aggressive. You're just a math nerd.

Yeah. And it's just the way it manifests itself. It's like. Your excitement comes across as aggression. Yeah, you just enjoy the whole thing. And it's like, you know, and she's like, who? I'm afraid if I get over there, I'll get that on me. You know, it's like.

It's like cooties. Yeah, it's cooties. Math cooties. But that's what goes on in a lot of the stuff out there the spender feels like the saver is not going to let them have a vote yes the math nerd doesn't let the artist have a vote and it could be man or woman it's not necessarily you know it happens to be the man is a math nerd happens to be at my house i'm the math nerd but But, you know, it's not unusual at all for the lady to be that person. And they can be intimidating.

Well, then you show them, hey, what are your fears behind this? Because you're still going to get to enjoy life. Here's a line item that says Whitney's Fund Money in the budget. But we have transparency and accountability, which, by the way, is kind of what a relationship is built on. Trust. There we go. Lots of increased communication. When you handle your money together, you're handling your life together, boys and girls.

It changes everything. This is The Ramsey Show. George Campbell, Ramsey Personality, is my co-host today. Open phones at 888-825- 5225. Today's question comes from Ben in Nevada. Ben asks,

when you give to charitable organizations, how do you ensure the gifts are being used appropriately? Are there ways to vet organizations, or can you track what they do with donations? Great question. Very good. The organizations or can you track what they do with donations great question very good uh the way we vet it uh with the ramsey family foundation which my daughter runs is that we do due diligence on the whole organization because we're going to be giving a reasonably large gift.

And so it warrants the time to look into it. And one of the things we look for is to see operational excellence and efficiency. And one of the gauges of that is they'll usually give you a copy of their budget, and you can see what percentage of their budget goes to administration and what percent actually goes to feeding hungry kids if hungry kids is the ministry or taking care of the homeless if the homeless is the minute whatever it is you can see what percentage of the budget so they you know they take in a million dollars and they they spend nine hundred thousand on salaries we got a problem you know they take in a million dollars and they they spend 900,000 on salaries

we got a problem you know uh but they take in a million dollars and they spend a hundred thousand dollars on admin and uh another x number of dollars on salaries now you know we've still got the vast majority of the money going to the actual cause which is um which is what stops people from giving a lot of the time is the skepticism that any of this money will actually go to the cause I'm passionate about. Right. And you can look at it. And most ministries or charities of size will have those ratios readily available and even their budget readily available. You can look at – I mean, tax forms are public.

You can see. They're not – yeah, they're – what is it? Nine – what are they called? Nine-something forms are – Yeah, Form 990. 990. And that'll show you. You can tell what's going on with that.

They have a high ratio of overhead expenses. That could be a red flag. But again, you're investing some time now, so you're not going to do that for a $50 gift. This is a, you know, a gift of some substance because you're going to put some time into it before you do that. And then we do some things with a foundation and certainly some things just out of my left pocket that are just random acts of kindness, random acts of kindness random acts of generosity and there's absolutely zero uh investigation or expectation or anything else it's just like god said help the lady at the gas pump

and so we did something you know that we're not doing background checks here yeah we're not we're not checking that out we're you know we're gonna leave a but there are a 500 tip and a at a cool little restaurant that's um that a right waitress or waiter has never gotten a tip that size and just and that's just a god thing but that's that's random that's not um the planned diligent careful wise giving that you're that you're asking about ben um and and here's the other thing the last piece of it is and you can depend on this too much.

So don't depend on too much. You need to do the wise investigation on large sums and you need to think you need to be, uh, wise about the investing God's money into his kingdom. Um, because some of his people are sweet, but they're dumb. And so you just don't, you don't want to put money in there. It's a mess. And so, um, they, they got good hearts, but it's a mess. All you're doing is if you give them a bunch of money,

you're making a bigger mess. It doesn't fix the mess. At the end of the day, the other thing you need to remember, I remember about giving her two principles. One is it's not mine anyway. I'm managing it for God. What I'm doing is I'm giving away God's money. And okay, that kind of means I have to be even more careful, right?

I got to report to the boss about what happened with his money, right? And that kind of thing. And then the second thing is the biggest benefit of generosity is not the receiver. The biggest benefit is to the giver. And it changes your psychological well-being. It changes your spiritual walk. It changes your relational. Lowers your blood pressure.

Helps you live longer. Generosity affects the giver. And Jesus even said that. He says, better to give than to receive. And sometimes people hear that from Jesus' words, and they think oh well that's very noble and he he wasn't noble it was instructional it wasn't like oh you're you know you're better if you're a giver than if you're a receiver no that's not what he was saying he was saying it's better for you you change you when you give your generosity muscle is built It makes you into a better human.

So, you know, like, for instance, I talked to an old Baptist preacher one time. I was speaking at this Baptist church in Kentucky. It was a great church. It was wonderful. This was a long time ago. And several thousand people there that morning. And I was talking about the tithe in the Christian world. And that was my talk that morning at his church.

And he said, you know, interesting thing. He said, I've've been pastor in 45 years i've never had a couple that tithe get divorced whoa and i said why do you think that is is this some kind of like mystical spiritual protection over tithers that they don't lose their marriages he said no tithing represents giving and giving represents generosity and generosity means you're thinking about other people, not yourself, and people who think about other people are really easy to live with. Wow. It's kind of common Kentucky sense there. You know, I mean, that was just good.

That's powerful. Good, you know, he didn't like woo-woo spiritual on me. He's just like, hey, if you're generous, you're easier to freaking live with. I mean, you know, you're not a self-centered twerp. You know, he didn't say that. I did. it's the day version that guy would never say that but yeah but um and there are sites to dave's point you're saying do the research like charity navigator you can you can utilize sites that help you do the research as well and in the evangelical world the ecpa or whatever it's called there's a um uh an organization that will vet those that

they well they vet the accounting systems and the finances make sure the finances are run correctly and you'll see their little emblem on there or they'll put it forward if it's a a ministry in the evangelical world you can possibly see that um it's like i forget what it stands for but anyway it's a it's a good organization and they do check it but even if it's got that stamp on it we still look at it we still want to do that but we're giving we have you know there's three things you can do with money enjoy it invest it and give it you hear that from ramsey's all the time ramsey people all the time and uh there but you always want generosity in your plan again because it changes your life your life not theirs so i. So, I mean, you give a $1,000 or $2,000 car to a single mom,

it changes her life. But if you do that, it changes your life. It changes who you are. You walk around smiling all day. You can't stop it. And it's the best thing you can learn to do with money is generosity. So it's a really good question, Ben. And no, we don't track what they do with the donations afterwards

unless we're buying them a particular item. Like we bought a truck one time for a delivery for a food bank thing, and they were delivering food. So the foundation bought a truck, a big truck for them, a refrigeration thing and all that. And so, yeah, we wanted to see that the truck happened um because we didn't buy it we gave them the money to buy it and so we followed up on that but in terms of just do i track do i put a fishing line on every dollar and try to follow it all the

way through every trend no that'd be exhausting oh god you know it's cool you know charity water we've been friends with scott harrison founder of charity water and what they do is he's been on the he's been on the show yeah Yeah, and they've been very transparent. What's cool is that with theirs now, they go, you can actually track the water project your dollar went to. And so they have different ways now of innovating. And Scott got on to something when he started Charity Water. He spoke at Church Sunday, and he's got a wonderful story. And I've been emailing this weekend, again, just because I was telling him he did a great job.

But he was brilliant, and then he came up with a different model charity water gives clean water to people all over the world don't have clear waters what they do it's a wonderful minute or wonderful ministry charity a hundred percent of your dollars go to get clean water if you give a charity water he has a separate non-profit called The Well that pays all the overhead. So overhead is privately funded with a specific set of donors. And me, the consumer, when I give, 100% goes to The Well. You can give to The Well and support their overhead. Or you can give to Charity Water and 100% goes to clean water.

Drilling a well, putting in a filter system, whatever it is. They've got various methods. And then he does a wonderful job of reporting back with webcams and everything else, showing you what happened because you were able to give this number of dollars to charity. I hope that catches on with more charities. It's really cool. It's a great model. It's a good model. It's brilliant.

He's a brilliant guy. But he's impacted the world, literally. But that's just one of them. There's lots of good people out there doing good work. So, but that's what you're looking for is some accountability. This is The Ramsey Show. George Campbell Ramsey personality is my co-host today. He is the author of the bestselling book, Breaking Free from Broke. It has been a huge seller, the ultimate guide to more money and less stress.

Ken Coleman, our fellow Ramsey personality, developed with our team a Get Clear Career Assessment. A couple of years ago, it is a huge bestseller. You take the assessment and you get clear about what you're doing with your career, what you're doing with your work. We've had almost 100,000 people take that now. It's a hugely popular assessment because it's excellent. And so we're really excited to announce Ken's latest book, Find the Work You're Wired to Do, which will show you how to use the results from the assessment to get specific in your job search and find the work you enjoy.

The assessment, it comes with the book. The assessment and book combination will answer four of life's biggest questions. Who you are, why you are wired that way, what you want to do professionally and how to get there so you can pre-order the get clear assessment find the work you're wired to do book you're going to get the audio book and the e-book free and each of them come with a code for an assessment so you're going to get three of the assessments if you pre-order it comes out the first week of May. So you're going to be ready to get that then. Now, the other exciting news next week on the 16th, Rachel's brand-new kids book,

I'm Glad for Where I Am, all about gratitude, is coming out. It's her second kids book. The first one, I'm Glad for What what i have which was about contentment uh great storytelling amazing lights out illustrations in this book fabulous kids book and we know that kids that are read to have a higher iq have a higher likelihood of uh exceeding academically in all areas kids that are read to it is magical what happens when you read these little children and so i read to the grandbabies all the time even though i still have trouble getting through dr zeus with my tongue twisters but but i can still do it i don't like green eggs and ham sam i am i'm just saying okay you've memorized it by now yes but the uh um but it and we the they

learn pretty quick which ones are the long ones so they can stick. They love that. This one is not a long one. It doesn't take long to get through this. So that's good news. Parents love that. The other thing we know is that kids that are grateful and kids that are content grow to become excellent adults. And as my friend Andy Andrews says, we're not trying to raise great kids. We're trying to raise kids that become great adults. And that's the whole process there.

All of this is at RamseySolutions.com. Check it out at our store. You can get any of these books, pre-order, order, whatever we're doing here. It's all good. I did the math. If you pre-order both of those books, you get free shipping right now on the site. So there's a little bonus because I love a good deal. Wow.

So there you go. Get Rachel's book. Pick up Ken's new book. Pre-order both. There we go. Crystal's I love a good deal. Wow. So there you go. Get Rachel's book. Pick up Ken's new book. Pre-order both. There we go. Crystal's with us in New York. Hi, Crystal. Welcome to the Ramsey Show.

Why, thank you. Thank you so much for taking my call. How are you? Better than I deserve. How can we help? I really need your advice. To give you a little background, I have a full-time job, and I take care of a sibling that

has mental disabilities. Now, last year, I started my LLC because I wanted to supplement my income while working at home. Now, so far, I've spent close to $10,000 on my LLC and I haven't made any money yet. I put off creating my website because I had to save $4,000 to have it created because I'm not tech savvy. You don't need $4,000 to create a website. You can use Wix and do it for free. I mean, there's no need to go spend all this money on this business that has no revenue so far, but continue. Okay. Now, because I am very bad with budgeting money, as you probably already know, but now the icing on the cake is I have a medical condition that's going to need long-term care. touch it. So my question is, should I continue to pursue my small business or take that money and put it in a banking account for my long-term care that I know I'm going to eventually need? Okay. How long from now do you think you're going to be needing long-term care?

The doctors are unsure because they don't know why i have my condition 25 years or 25 months oh i'm sorry what happened 25 years or 25 months um it could be five five years okay all right so you got a little some time this is not imminent then okay um well i think the answer is if the llc is making money it's going to make you more money than bank account will make but so far it's not done anything but take money so we've got to get it making money or we can't depend on it right right what is it what is side gig? What are you trying to build here? Voice over. Voice over?

Yes. Okay. All right. And you've done that kind of work before? Oh, no. I've always wanted to do something with my voice, but never knew how to go about doing it. Mm-hmm. never knew how to go about doing it and actually took a took a class in the in the summertime and really enjoyed it loved it what did you spend the ten thousand dollars on oh the actual course which is like six thousand dollars where they train you and then um creating

my actual llc i had a company do it for me because they walked me through it step by step, and then turning my bedroom into the actual studio. I had to soundproof it. And do you have the equipment to do the work now? Yes, yes, I do. And why do you not have customers? Did they teach you how to get customers? Well, I have to do the website first.

You have to have a website to get customers yes because i have to put the demos on the website to um send it to the client so they can hear me on the website you could send that over email if you knew the people to contact just send them an mp3 yeah oh right now you need to know the right people i don't think the website is the thing holding you back yeah okay i i need you to go get a whole bunch of customers and George is right. You can put up

a real basic website for almost nothing or nothing. Okay. And after talking to you for a few minutes, you're smart enough to do it. What's the name of the site

you would recommend, George, again? Wix. W-I-X is a popular one. I've used one called Squarespace. Again, all of these, you know,

you're talking zero to a hundred dollars, not four grand and truly, you can do it yourself. Yeah. I've used one called Squarespace. Again, all of these, you know, you're talking $0 to $100, not $4,000, and truly, you can do it yourself. I could teach my mom how to do this. Squarespace or Wix, W-I-X, and we're not endorsing either one of those. We're just giving you some ideas that this is, it's a lot of cut and paste because you're not really trying to create a complicated

piece of programming here. You're making a business card. You just need an electronic business card where you've got some of your demos up there where somebody can push play and play an audio file. That's all we're looking for. And then, of course, you're going to deliver most of your stuff by email. Yes.

Okay. So you can deliver demos by email. Have you got demos laid down in your computer? Yes. Okay. Yes. All right. So what I need you to do is I need you to go find a whole bunch of customers in the next 30 days, ready, set, go.

Okay. I want you to be overwhelmed because you have so much work you can't breathe. And you're a little bit frazzled because there's too much coming at you. I want you to get that many customers. Gotcha. Because that's the weak spot in what you're talking about. So far, all you've done is pay other people for this dream. Yeah.

Now it's time for you to get paid for this dream. And go find people who are doing it, and maybe they pass off the ones they don't have time for. You get your start that way. Okay. But what do you do full-time i'm a correction officer okay how much do you make doing that um my take-home is 4 300 a month okay good well the the voice world

has dramatically changed like everything else with a microphone in the last 20 years because of the digital space that we're in. And so, I mean, it used to be that you had to be a proven product to be able to sit in front of a microphone. And now, if you want to be a pod podcaster you can be by the end of the day you know now ai can do voiceover yeah and you gotta compete with that and uh it used to be that we would mail the the sounders for the radio station to the voice guy and he would send the tape through the mail and we would load the tape we're a a long way from that. This is a very easy business to get into now. And I want you to go get into it big time in the next 30 days. Ready, set, go. That puts this hour of The Ramsey Show in the books. Thank you.