The Ramsey Show - App - How Do You Maintain Company Culture? (Hour 3)

Episode Date: May 9, 2019

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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 done, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. Thanks for joining us, America. We're doing a small business theme hour this hour, an entree leadership theme hour. So if you're running a business or you want to run a business of any size, but certainly small businesses, we love small businesses around here. We are one, and we glory in that. We think it is the heartbeat of America, and we want to help you. If you've got issues with people, issues with money, issues with business model,

whatever it is you're dealing with, we deal with it all the time around here and have for almost 30 years. So you jump in. We'll take your phone calls right now. The phone number is 888-825-5225. That's 888-825-5225. Daniel Tardy, the executive vice president of our leadership area, which includes Entree Leadership and business boutique brands and all of those, joins me. Daniel has been working in this area of Entree Leadership for well over a decade.

He sits on our operating board, and he's going to help me answer the questions of this hour. Thanks for hanging out, Daniel. Yeah, glad to be here, Dave. Love this Entree Leadership stuff. And before we came on, we were just talking about how it's not just our product, but it's our playbook. We were teaching our whole team about Entree Leadership this morning.

We had 600 of our staff going through the same stuff that we're teaching small business owners across the country. So a lot of fun. Great stuff. As an operating board member, Daniel's taken the initiative of one of the many things he's gotten to do this year is to launch our whole leadership development program because we've got about 160 leaders right now out of our 860. We project we're going to need 250, and so developing some of our current team and further developing the ones that are already in leadership, they've launched a thing called Entree Leadership University internally here. That's not something that's available to the public, but that's what's there. And so every Thursday morning, our team's going to rally and learn some of the lessons from the Entree Leadership book,

from the Entree Leadership Summit, from some of the other stuff we put together around here, and lots of different subjects, right? That's right. Well, you know, it goes back to our roots. You started teaching our small leadership team 10 years ago, these Entrez Leadership Principles, and then we got busy doing it for the marketplace and doing events, and we got a little distracted. We went on hiatus internally, so we're relaunching for our entire team. So we're really excited about that.

Yeah, we got distracted helping everybody else. That's what it was. All right. So your questions are open right now. You can jump in if you've got a business question. The phone number is 888-825-5225. The book Entree Leadership is our playbook. But we would have added to it.

I mean, the book came out several years ago, so there's lots of things we've learned since then and lots of things we've done since then. It was a number one bestsellingselling book new york times number one bestseller and a huge huge book it's done very very well so you jump in the phone number is 888-825-5225 jessica is in portland oregon hey jessica your question for daniel tardy and me hey hey we just got back from Entree Leadership Summit, and it was awesome. All right. Thank you. Thank you. Yeah, great. What was your favorite part? Oh, you know, every time we go, we come back with solutions to our problems,

and then some problems we didn't know we had. That'll do it. I like that. The speakers are always just top-notch, and then really getting to hang out with other business owners is just incredible. Love that. Hey, Jessica, you know your reward when you solve your biggest problem is you get a bigger problem to solve. That's leadership.

Totally true. How can we help today? I was wondering, when you're scaling your business, how do you know it's time to transition from a simple bookkeeper to more of an accounting team? Well, it would be based on two things. One is usually the size of your team is an indicator of where you are. It's the size of your revenue stream and the complication of it. So we started from a bookkeeper, to a controller and added a cfo we had about 75 people when i added my first cfo i should have done it at about 50 people

and i'm racking my brain right now to think what our top line revenues were at that time daniel you got any ideas no i'm trying to remember i mean it was uh it was probably you know we were probably 15 or 20 million dollars before we had the cfo and we should have done it sooner i added two c-suite i didn't even know what c-suite meant back then and i added two c-suite positions at around 75 and i should have done it $5 or $10 million sooner in revenue, and I should have done it 25 or 30 people sooner because I didn't know what I didn't know, and it was holding me back. One was an HR director, and the other was a CFO. They both caused us, catapulted us forward in growth because we didn't know what we didn't know,

how inefficient we were in both of those areas and so the cfo just learns to talk about the money and the process and the flow of cash more strategically ours currently is um he's a math savant he and i sit and do math riddles together and it's just like we're such nerds we have fun doing it it's fun to watch you know i'll tell you there's there's kind of three phases of somebody in this seat. And early on, a bookkeeper can really help you organize the data, keep the data where it needs to be. But you're really, as you're growing, looking for somebody that can start offering insights about the data. And then ultimately, a CFO is going to not only know the data, have great insights, but they're also going to act like an owner.

They're going to think about the top line, the bottom line, anticipate what's coming, think about trends year over year. They're going to communicate it in a way that the executives can understand, and they're really helping you drive the business forward. They happen to sit over all the accounting things, but they understand the business story and the health of the business, not just here's what the numbers say and here's the bookkeeping stuff. In the early days of running a business,

most of us entrepreneurs don't even know what a key performance index is, a KPI, or we don't know what a key metric is to measure. We're just saying, we got the money to make payroll Friday, thank you, Jesus. Yeah. But the next stage of sophistication is to start to get some mathematical measures to your business where you take the business's temperature and you go, oh, the patient is running a fever. And these numbers will tell you that if you lay these metrics in places.

And a good CFO will take you to that level. What's your revenue? We're almost to a million. Yeah, you're there. Your time. Yeah, it's time. It's time. Okay, that's great to know.

And is that something I can outsource or is that something i need to bring in how i feel like it would be really expensive to bring it in it can be um you're not talking about a hugely expensive cfo or someone that's got some kind of huge background or training it does not require to a 10 or 20 million dollar company because you're not doing anything that's super complicated at this stage. So it's not that expensive. I'm kind of, of course, I'm the money guy, and I've been broke both, right? So this is a sensitive subject for me. It's one of the things that would be very difficult for Dave Ramsey to outsource emotionally.

That doesn't necessarily mean you can't outsource it, but it's not one I would jump to. I'd probably look to outsource other things. Okay. Thanks for the call. We appreciate you joining us. Daniel Tardy, operating board member here at Ramsey Solutions and one of our executive vice presidents over all things leadership, including Entrez Leadership Business Boutique, joins me this hour as we answer your business questions, small business questions in particular, you jump in. The phone number is 888-825-5225. One question I get asked all the time is, do I need life insurance? Listen, the whole point of life insurance is to replace your income for someone who counts on you. So if you have a spouse or you have kids, yes, you need term life insurance.

It's the only way to protect them until you're out of debt and have built up your wealth. You're only digging a deeper hole if you waste money on cash value plans since it robs you of the ability to make real progress. And that's why I send you to Zander Insurance, and I have for 20 years. That's where I get all my insurance, and they only offer the plans I recommend. It is not expensive. It's not complicated. And Zander will be there as your guide every step of the way.

Visit Zander.com or call 800-356-4282. You need to get this taken care of. I can give you the advice, and I can tell you where to go, but it's really up to you to take that important step to get your family protected. That's zander.com or 800-356-4282. It's an Entree Leadership Theme Hour. Thank you for being with us, America. We're glad you're here. We're talking business and small business in particular.

You've got questions, this is your place. Phone number is 888-825-5225. Daniel Tardy, our executive vice president of that area. All of our leadership brands, including Entree Leadership, joins me answering your questions this hour. Big announcement! This is exciting. We just got back from San Diego. An absolute blowout.

With Marcus Buckingham and Simon Sinek and Art Williams with a surprise appearance. Pat Lencioni scored really high. Chris Hogan, Ken Coleman, me. Who am I leaving out? Henry Cloud. It was Peyton Manning. I said that. It was a blowout.

Oh, Sarah Blakely, Jesse Eister. It was a complete blowout. The thing was one of the best events that I've ever seen in my life, and I was so proud that we own it. It was absolutely incredible. We've been saying this. If we didn't build this event, it's the event we would go to. You know, I mean, if it wasn't our thing,

I mean, we're already there, which it's great. We bring a lot of our leadership team and we're taking notes too, going, this is incredible. So, yeah, 3,000 people and we just launched and we've got 2,000 people

already registered for next year. This thing's about to sell out. It's incredible how much this event just has momentum in the market now because word is out, it's the best event on leadership. So it's 50% sold out and we launched to the public today. We are coming to the Gaylord Resort in Orlando, Florida, May 17th through the 20th, 2020, a year from now.

And if you've not been to that resort, that Gaylord Resort, it is off the chain, nice. It's very fun. We'll have about 4,000 folks from around the world attending. We've sold over 2,000 tickets already in pre-sale and that includes the people that were there last week. We offered it to them before we took it public.

It's available now. Our headliners will be Mike Rowe. Yeah, Mike is so great damon john the people shark will be with us uh founder and uh owner of fubu has done extremely well obviously uh cat cole who's the ce coo of north american president of focus brands and that's like cinnabon auntie annie's and that kind of stuff absolutely sharp lady carly fiorina uh former ceo of hewlett packard uh one of the uh first lady ceos of a fortune 20 company obviously ran for president uh on the republican ticket for a little bit she kind of parked him back in the corner there pretty far my friend craig groeschel one of the top leaders in the world as far as I'm concerned,

runs what I think is probably the largest church in America now. Sure. LifeChurch.TV out of Oklahoma City, but it's all over America. And he is a world-class leader and a world-class person. His teaching on leadership will be absolutely incredible. Senior pastor, Benjamin Z zander the founder and conductor of the boston philharmonic over 10 million people have seen his ted talk and so uh i love his ted talks i can't wait to meet him i've not met benjamin yet so i'm looking forward to that and

this is quite a lineup of course we'll also have our own chris hogan who scored very high christy right i'll be back and she always scores very high and ken coleman uh with his new material and working around he's did very very well talking about proximity principle this time he'll be back uh our team uh is really really excited about this guys this is not hype we don't tell you something is selling out unless it is uh the one last year sold out, I think it was about eight months before the event. We're basically 11 months before this event. So just be forewarned. It is already half sold out.

If you have an interest, check us out at DaveRamsey.com slash events, or you can text the word Orlando to 44222. DaveRamsey.com slash events. And just look on events on the webpage. You'll see the Entree Leadership Summit 2020 from May 17th through the 20th in Orlando, Florida next year. And you can find it there. You'll be able to learn about it there. You'll see all the videos.

Everything's already shot. I mean, I'm sure this is going to be fun. This is going to be great. And you can text the word again, Orlando, to 44222. Not only are we talking about with the last caller or the first caller of the hour, rather, that she had gone last week to San Diego with us, but not only are the speakers from the stage giving you stuff that's life-changing, but what ends up happening is people meet up and end up becoming lifelong

friends with people who a week before were strangers. Well, you know, leadership can be very lonely. You can be isolated out there running your thing, and leaders who win over time, we've seen Dave time and time again, they have the habit of getting out of their business and then spending some time getting above it. We just get stuck in our leadership journeys. I've been stuck, I can't count how many times as I've grown as a leader here through the last 15 years. When I get stuck, it's okay because I find someone else I can talk to and I get a new idea or I find a book or I go to a conference. Leaders who win over time, they're just consistently getting out above their problem.

And there's nothing like a live event and a conference with great speakers and other like-minded business leaders to help you get above it all. And you go back in with a whole new perspective and you get more traction until you get stuck again. Well, I mean, you need a pep rally before the game. And this is a pep rally. But it's more than just fluff and hot air and passion but there's a it's a good thing to be energized you know i need it i love being around there those are 16 18 hour days for me when i do those events and i come home completely climbing the walls excited i'm exhausted but i come home wired up and i'm out there doing all

the stuff and running around. You know, I'm speaking and working with other speakers backstage and everything else, but I'm also sitting in the audience taking notes when all these world-class folks are there, and I'm watching you guys out there interact. It is an absolutely incredible, incredible process. All right, Perry is with us in Florence, Alabama. Hey, Perry, your question for Daniel Tardy and me. Hey, Dave, thanks for taking my call.

Hey, so I have a small business that's really part-time window cleaning business. I started about 10 years ago. And so the last two or three years, I've been pretty good with it, just working it part-time in conjunction with my other full-time job.

And I'm just trying to decide now if I just need to kind of keep this thing small. It has potential to where I could grow it, but I'm still limited on the time I have to do that. You know, I'm just physically working in the field more than I am, you know, getting and making days and running and trying to find business and so forth. Do you want to do it? Well, the actual physical part of it, I don't see myself doing for the rest of my life. It's just very demanding, and I don't want to be cleaning windows at 50 or 60 years old.

Okay. So your side hustle is a window cleaning business? Yes, sir. Okay, cool. So if you were to grow it and had other people that you were managing doing it, is that what you want to do? That's what I want to do. Okay. Yeah, great. I mean, I think if you're excited about that and it's your passion, it's what gets you out of bed every day, not the cleaning the windows, but the idea of having an enterprise

that you're building, you're going to staff it up. You're going to get into hiring people and learning how to lead and building a culture. And if you believe in your product, you believe in the service you provide and you get other people to do that with you, you can scale this thing. Let's figure out a plan to go for it. Now, the timing is important. I want you to do it in a way where you're not going to put your back against the wall, financially speaking. So let's talk through where, where are you at right now in your ability to, to kind of, if you got one foot on the boat, one foot on the dock, we want to make sure we can get both feet in the boat and the boat's not going to go under. So where are you at right now in terms of how much it's bringing in from the side hustle? So just working at part-time the last couple of years,

I've been grossing about $30,000. Okay. And then how much do you need for your household budget? I would think probably I mean, just to run the business, very low cost. What do you need for your household budget to eat? Oh, yeah, exactly. So probably $70,000, $80,000. What do you make now at your day job? About $115,000.

Okay. So it's fair to say a jump from $115,000 to $30,000 is too far a jump. You're going to get wet. So you've got to get the side hustle up. You may even need to hire some people that you're running as a side hustle to get your income up to make a jump because you don't want to make a jump that far. You need to get it probably 60% to 80% of what you're making now so that when you make the jump, you don't get wet. That's what Daniel's talking about. You don't want to miss the boat.

No pun intended. It's an Entree Leadership Theme Hour. This is the Dave Ramsey Show. Thank you. It's an Entrez Leadership Theme Hour. Executive Vice President and Operating Board Member Daniel Tardy joins me this hour. One of the people that operates our company with me. And we're answering your questions about business, about leadership this hour. And we announced open to the public the Entrez Leadership Summit for next year. Orlando, May 17-20. There will be about 4,000 leaders at the Gaylord Resort, which is a phenomenal property.

We are looking forward to that. Damon John from the Shark Tank, Mike Rowe will be with us, Chris Hogan, Christy Wright, King Coleman from our team, Carly Fiorina, former CEO of Hewlett-Packard, Craig Groeschel, senior pastor of arguably the largest church in America today and a world class leader as well Benjamin Zander, founder and conductor of the Boston

Philharmonic and that's just the beginning of the lineup so you never know who's going to be added in it is some world class thought leaders in the area of leadership and in business going to be with us you can get your tickets. It is half sold out already with our pre-sale process,

and so it generally sells out six to nine months in advance, and last year was no exception to that. So you can go to DaveRamsey.com slash events or text the word Orlando to 44222. Brian is with us in Toledo, Ohio. Brian, your question for Daniel Tardy and me. It's a pleasure to talk to you guys. You too. I'm just looking for a little advice for employing team members for a short amount of time.

When I was 18 years old, I had the opportunity to purchase the seasonal ice cream store that I was currently working at. And since then, many great things have happened, including my wife and I reaching Baby Step 7, which was a big milestone for us. And we're really excited about that. And we just opened our ice cream store for the 12th season just a few months ago. We have 18 high school and college students that work with us, and typically what I try to do is hire freshmen or sophomores in high school, and they will work until they either get an internship or they graduate college, which is a good thing for them.

Our culture right now is really positive. We have a lot of team members that come in even when they're not working just to be there and hang out. We have a lot of pizza parties at team member meetings. And overall, we're just really unified right now. That's awesome. And this is not my full-time job, but I'm there daily. And I guess what I'm looking for is just a little advice on how you guys would run your business

if you only have team members for four, five, or maybe even six years. Well, I think you're doing a great job. That's awesome. I think you're right on track. And there's a couple of models that parallel what you're doing. And I don't know if you're doing it intentionally or it would be the first thing I would try to do. And that is make this the destination job, not destination career, for every parent who has a high-quality teen wants their kid

on your team because of what they'll learn while they're there. And two examples that come to mind of that are Southwest Book Company here in Nashville. I've got friends that are my age in their 60s and 50s, 60s 70s uh who sold books door-to-door for southwest when they were in college and it is a brutal sales boot camp but it is a fraternity of people who did that and uh to this day i meet somebody oh that's southwest guy uh marshall blackburn our senator from the state of tennessee here first senator of the state of Tennessee, former Southwest bookseller, met her husband. She's a friend of mine. Met her husband while selling books Southwest.

One of my good friends, best friends in the world, real estate mogul here in town. He met his wife selling books for Southwest. So it becomes a – I actually – Rachel talked very seriously about doing that one summer, and she was wired in such a way she could have done that, and it would have been a good thing for her. So you become a destination site as a learning, a part of their leadership business boot camp. The other one is Chick-fil-A, guys. They do a great job to where it's a destination site for quality teenagers.

Parents want their teen to get to work at Chick-fil-A because they know how they're going to be treated. They know how generous the work at Chick-fil-A because they know how they're going to be treated. They know how generous the folks at Chick-fil-A are with scholarships, and they will learn a lot because they teach them while they're there. And so that's how I would look at it. I don't know, Daniel, add to that. Yeah, Brian, a few things come to mind. I mean, you're already doing great. So take a minute to ask what's working, like what's the formula? The team that is currently engaged and they're unified. You said you got a lot of unity right now. That's rare to be able

to pull that off. Deconstruct what's caused that. What have been the experiences that the current team can point to? That'd be a great discussion. The other thing I think about is, you know, I grew up working on staff at a summer camp and every summer before campers got there, the entire first week was, Dave said, boot camp earlier for Southwestern. We had a boot camp. It was the counselor training week. And we talked about core values and we told stories. And here's the thing with teenagers, especially, and they're only going to be there for the summer. People remember stories more than they remember policies. So talk about the story of starting this place. Talk about your customer stories.

Talk about why it's fun to work here and why it matters and why they have to bring it. And if they don't, it's going to be a big problem. But doing that bootcamp kind of experience where you could do some low ropes courses and some bonding things, especially teenagers, they love that kind of stuff. You get everybody having a really good time together before they're on the job, before the customers show up and make sure that bond is there. And then that should launch you into the summer. And then you keep calling back to that week. Remember in boot camp, we said, these are our values. And you're doing onsite ongoing teaching.

But I think you do have to model it. Or if you want to pull away from it a little bit at some point, you got to find somebody maybe a little bit more seasoned who's going to be in the trenches with them day to day. Very good stuff. That's a great model. It really is. And a lot of people think because you have

seasonal labor or you have um you know teen labor or something that it's all going to be bad no i mean my labor pool look at my horrible labor pool i got to draw from these people and try to do business no man it's a it's a huge opportunity you become the destination site for high quality temp labor fun i mean well you I mean, well, you learn. They want to work there because it's like going to school free. You know, they're going to learn how to run a business. They're going to learn how to do customer service. They're going to learn how to do leadership.

And, man, that's just – and that becomes, you know, almost a side benefit of you operating the business. You're not only providing a service to the community, but now you're providing a service to the community's young people. Yeah, you're mentoring these young adults. It's wonderful. I love it. Marsha's with us in New York.

Hi, Marsha. Welcome to the Dave Ramsey Show. Hi, Dave. Thanks for taking my call. Sure. What's up? My question is, should I close my business? I've been in practice, law practice, for the past seven years. In the

beginning, I was in the red, but now I break even. I make enough money to cover my business expenses, but nothing more. The thing is, my husband and I are on baby step two with $250,000 worth of debt to pay off. I do have a full-time job, which has helped when I was in the red and now, but I feel like maybe it's time to let it go because I'm not making any extra to put towards my debt snowball. I've even thought about closing the physical office, but my husband thinks that I should keep my office and stick with it. So you have a full-time job as an attorney? Yes, I have a full-time job with the city. I have a full-time job with the city. Practicing law? Yes.

Okay. And why has your business not grown for five years? I've had kids in between that time, and putting myself out there has been harder than expected. What has to be true for you to want to keep this open? I have to have more clients, get more clients. Yeah. No kidding. But, I mean, what has to be true to cause that to happen for you to want to keep this open?

Do you want to keep it open? Yes. So if you could make it make money, you want to keep it open? Yes, I do. So if you could make it make money, you want to keep it open? Yes. Okay. So you need to quit the law business and get in the client acquisition business. You suck at it.

Oh, okay. You need to get more clients. You've got a marketing problem, don't you? Yes, I guess I do. Yeah. And you need to lean in and focus on that and go to four seminars in the law business, in the law space to learn how to do marketing of a legal profession. You need to learn. We always ask ourselves around here what has to be true.

What has to be true that's not true now to get us to where we want to go to. I've got to know something, be something, or do something that I don't have now to be something different later. That's what you've got to do. This is the Dave Ramsey Show. Our scripture today, Romans 14, 19. So then we pursue the things which make for peace and the building of one another. Francis Chan says our greatest fear should not be of failure, but of succeeding at things in life that don't really matter. This is an Entree Leadership Theme Hour.

Daniel Tardy, our Executive Vice President, Operating Board Member, joins me this hour. He's in charge of all things Entree Leadership. He and his team, quite an extensive team, including the business boutique line with Christy Wright and so forth. We've just announced open to the public this hour the Entree Leadership Summit, which we just concluded last week in San Diego, is now on sale for next year. Orlando, Florida at the Gaylord Resort there. It's absolutely amazing. May the 17th through the 20th. there will be about 4,000 leaders there.

We've already sold half the tickets in pre-sale. That's how popular this thing is. Damon John will be there from Shark's Tank in FUBU. Mike Rowe will be with us. Carly Fiorina, Craig Groeschel, Kat Cole, Benjamin Zander, Chris Hogan, Christy Wright, Ken Coleman, and me. For more information, go to DaveRamsey.com slash events. You don't want to miss this.

It is probably the top leadership event in America today. I know I would attend if I didn't own it. You can text the word Orlando to 44222. Wade is with us in Fort Worth, Texas. Hi, Wade. Welcome to the Dave Ramsey Show. Hi, Dave. Thank you.

Thank you so much for the unbelievable growth and leadership experience that you did host at the summit this year. I just can't describe all the potential there. Well, thank you. So you got to go. I did. I did. Awesome.

I've got so many things to grow from there. I can't. I'm just unbelievably thankful. Love it. My question is, when I experienced that, I just see and sense God's in the middle of your world. It's in the middle of your entire team's world. He is. And how do you do that?

How do you put God in the center of your life and leadership? You mean individually as people? I'm a little bit confused. Your whole organization is just, you can just tell. Okay, cool. Where your base is. And I just, how do you do that? Well, Wade, you know, I think everybody's got to get to a point where their relationship with God

and what that looks like, they decide how they're going to express it. I know for me, it was December of 2008. I came home from work. I was sitting at the dinner table, and out of nowhere, the lights went off. I got tunnel vision. My chest started hurting, And I told my wife, I said, I think I'm having a heart attack. I need you to take me to the hospital. And it was the scariest thing I've ever experienced. We get to the hospital,

we check in and they say, you're fine. And I go, I don't feel fine. My body's doing something crazy. And, uh, and this kept happening and I kept having all this crazy stuff happening in my body and I thought I'm dying and the doctors haven't figured it out yet and I spent the next year going through all this crazy stuff that turned out to be anxiety it wasn't a big deal but I didn't understand it I didn't understand how it can manifest in your body

and what also correlated with that was it got really quiet for me and I had to figure out what is it really all about? If I did die, is it going to be okay? And I grew up where God was a part of my life and he was kind of like this heavenly Santa Claus. And as long as he was giving me gifts, I was going to claim it and go, Hey, thanks for that. But I wasn't really at the end of myself yet. And in that season for me, I got to the very end of my own rope. And I went, okay, if I'm going to do this, it's not going to be for me.

God, if you're there, if you're real, you've got to show up. And for me, it was just this experience where I'm like, to Dave Ford, you're the answer to everything that I'm doing. And if anyone asks where my source is from and how I'm doing as a leader and what my team's about, like you're in the middle of it. And I just, I just can't not claim that anymore because it's changed my life. And it completely got me out of this ditch that I lived in for two years. And, uh, I think Dave's got a similar story when he went bankrupt, you know, got to, got to know God on the way up, but really got to know him on the way down. And, uh, when you come to the end of yourself, you start to get really unapologetic about how excited you are to

claim that. And we've just chosen with our team, we're not going to apologize for it. In fact, we're really proud of it. And if that offends you, you're probably not going to enjoy working here because that's who we are. And you're probably not going to enjoy a lot of things we do. I mean, we're not in your face about it. We're not trying to offend somebody.

That's not the point. But we also, you know, as politically incorrect as as it is we're just going to be who we is and um that's okay and hopefully that doesn't hurt your feelings but if it does hurt your feelings then that's on you um we didn't do anything to you uh or anything like that and so the way you do that with your team is you just hire people like the guy sitting beside me that have that kind of value. And, you know, when you reach a point that you are not afraid of what people think, then you can just be who you are. And then you put a bunch of people together that can be who they are,

then you get that kind of an experience in the culture. And, you know, we don't, there is no that kind of an experience in the culture. And, you know, we don't – there is no law that says you have to prohibit Christian expression in the marketplace. As a matter of fact, there's a law that says you can't prohibit it, but it is done every day because corporate America is scared of its own shadow. They're a bunch of wusses. And they refuse – you know, they're so scared that one person out of 500 is going to be offended and you know honestly wade when we read the reviews on the the comments

daniel and i were talking about the commercial break um from last week it was one of the best events i've ever attended or seen in my entire life and yet we had people comment oh i can't believe you guys are you know talking about god from the stage if you'd leave that out i'd come back and i'm like well we will miss you you know we'll just have to struggle through without that ticket sale because you know and it's not we're not mad about it we didn't tell anybody there that they had to be a certain thing and we're not legalistic about it with our team. And, of course, if you have part of your team right now is not in the same faith, I would start with just sharing your story and go, guys, just let them be who they are.

I don't care. I'm not telling anybody what they have to be, but you don't get to tell me what I am either. That's the other part of it. Isn't it interesting how bossy we are about everybody else's business now in this culture? But that's how it interesting how bossy we are about everybody else's business now in this culture but that's how it happens wade we're it's kind of a gentle thing and it's kind of a gentle firmness um a gentle boldness if you will but one of the beauties of going broke is you just don't care what people think anymore and so i don't have anybody to impress i really don't other than jesus that's it and so i'm just gonna to be me and hopefully I can help you.

But if you're all offended and think you get to tell me what I'm going to do on the Dave Ramsey show or what I'm going to do on a stage that I own, well, you was confused somewhere, darling, because you don't get that option. This says Dave Ramsey on it and that means he gets to decide. And you don't have

to come. And if you want, you don't get mad at the first day we'll give you a refund you can leave we're not mad about this but we're going to be who we is and if you want to come

to that kind of stuff then that's what we do it's not a Bible study well and I can say I've always respected from day one you told me God owns this business

and we're going to run it like God's owning it and does own it and we're going to to the best we can figure out we're going to make every decision in a way that's going to honor him.

And for me, that was a magnet. For me, that was, I want to be in a place like that. So you're going to find out, you're going to attract people that get excited. And that's a breath of fresh air. I want to be in a place like that because I'm tired of the corporate America crap where I have to hide this and apologize for this or get made fun of for this. You wouldn't believe the number of dollars and man hours of productivity that's spent trying not to offend somebody we've destroyed american business trying not to offend somebody or we've seriously damaged it the amount of revenue that is spent on trying not to offend somebody trying to give everybody

their option for their thing or whatever and i'm not in that business i'm okay if you're offended i'm not trying to offend you but it's just who we are and you don't have to listen you don't have to come to thing you don't have to work here you know you can be wherever you want to be it's free country but it's a free country so i get to do this and that's that's the boldness that hopefully it's a gentle, kind boldness, but we still is who we is, and it's not going to work out for you otherwise. And it's also, aside from the faith issue, it's how people behave. A guy told me the other day, he goes, everybody here is so happy, and everybody is so kind. And I say, yeah, honey, we fire the other ones. We don't want to work with people

that aren't happy and kind there's a lot of joy there's a lot of joy here that's right it's like golly then the tardy thanks for hanging out love it thanks for having me this was a lot of fun that puts this hour of the day ramsey show a special entree leadership edition in the books we'll be back with you before you know it in the meantime remember there is ultimately only one way to financial peace and that's to walk daily with the Prince of Peace, Christ Jesus. show every week and a lot of those people listen to one of over 600 radio stations across the country to find a station near you head to daveramsey.com slash show