The Ramsey Show - App - I Don’t Want To Be a Sugar Mama (Hour 3)

Episode Date: January 4, 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. Thank you for joining us, America. We're so glad you're here. Ken Coleman, Ramsey Personality, is my co-host today. He's the author of the number one best-selling book, From Paycheck to Purpose, and he's host of the Ken Coleman podcast, which is unbelievably popular, helping people with their jobs, their money, their career, make more money, and enjoy everything a

little better. So he's helping today. You jump in, we'll talk to him, me, all of us, 888-825-5225. Catherine starts this hour off in Detroit. Hey, Catherine, how are you? Hi, Dave and Ken. Thank you so much for taking my call. Sure. I am seeking advice today on my relationship. Okay.

I've been dating my boyfriend for almost a year and things have been going really well, but I have concerns that as, you know, things continue to progress, hopefully down the path towards marriage, that our discrepancy in finances, specifically income, debt, retirement savings will be a problem, and that ultimately I might kind of find myself in a sugar mama type situation, which I'd really want to be. You don't want to be that girl. We already have a problem. Yeah, I love it.

Good for you. So how old are you? I'm 38, and he's 35. is 35 okay cool and what do you make i make 200 and he makes 45 okay all right and what does he do um he works in construction and what do you do i work in the automotive industry okay there's nothing wrong with anything you've told me so far that uh makes us incompatible as long as you're both in agreement. So what we found is there's four things that good research is revealing that if you agreed on four things prior to marriage, you have a very high statistical probability of staying married. Number one is money money how we handle it

how we view it okay number two because money fights and money problems number one cause a divorce so you got to deal with it so you're smart to call a money show and talk about this number two uh kids are we going to have them how many how we're going to treat them are the inmates going to run the asylum that kind of stuff right not number three the crazy people in our family called in-laws because everybody's got crazy in their family and you don't think it's you don't think you do it's you so you everybody's got it so how are we going to handle that how are we going to handle the extended crazy and and are we going to stand beside each other in that and number three is

religion agreement on religion and so if you're in agreement on those four things you have a very high probability let's go back to the money one a minute you obviously are a high income earner and he's obviously a construction guy out there doing it and but and yet you're falling in love and that's cool all right uh that's not my concern my concern would be his view towards his debt how much debt has he got and how does he view it so he has um around about 50 000 um and um and when we started dating i gave him the total money makeover and he read it and i have seen him change his spending behavior, his, you know, started budgeting, really trying to, you know, save and attack debt. So he bought into the idea that debt is bad and he wants to get rid of it.

Yes. And you think debt is bad and you want to get rid of it. So you're aligned on that. Yeah, I'm completely debt-free, baby step six. I'm not talking about where you are. I'm talking about what you believe. Yeah. You both believe debt is bad and you want to get rid of it aligned yes okay then that that's the important thing so what are you worried about if he says if he says oh baby it ain't no problem

i'm just gonna work till friday and i don't i'm gonna buy i'm gonna get me a new truck whenever I want to. Don't marry him. But he's not saying that. No, he's not. What I'm worried is just or maybe need to kind of come to grips with is, you know, I've worked really hard to be in the financial situation I'm in because I've followed you all for most of my adult life. And now we're talking about what this would entail would be ultimately taking on someone else's debt because I don't see any ways getting out of it in the next few years. No, you're going to marry him and he's going to have debt and you're going to pay it off. Well, wait a second. Wait a second.

Wait, wait, wait. What's wrong with that? I have a quick question. What makes you think that it's going to take him two years or so to get, I mean, $50,000 if he gets serious and he is in alignment, he can get rid of this debt. You don't have to necessarily marry all of it. I think if he's aligned, what I'd want to know is, is how gazelle intense is he willing to get. And stay that way. And stay that way so that you don't marry much, if any.

First of all, he hadn't even put a ring on it. So we don't know. If he had $200,000 worth of debt and he's plowing through it and you marry into it, I'm okay. Yeah. As long as you all are aligned on getting rid of it. That's the thing. You've got to be aligned. are aligned on getting rid of it that's the thing you gotta be what will kill you is not being aligned not having unless you just get all twisted up and bothered inside your head and go like i did

him a favor and he owes me the rest of his life now that's on you but but if you're willing to just throw in and say all right it's all in everything's in the middle and we're all gonna get rid we're gonna use my assets your my debt your debt it's all ours now we're going to clean it up and we're going to live for the rest of our lives the way you've been living so far then you've got a good marriage match i think that sounds good like that's a good point yeah but if you if you're having to drag his butt along because he's going to misbehave and he's going to, well, you know, everybody has a car payment. Crap.

Who needs that garbage? You know, you don't want to be. That is, then you're signing up for a problem. Yeah, my concern, and again, I'm not saying this is this guy, but there's a difference between somebody believing something and doing something. Yeah, I'd like to see him. I want to see him.

He's starting to take action on his new beliefs, and as long as he does that and he's really you know he's taking two extra jobs and he's attacking this debt yeah and this may be a great maybe a great find he's a great guy he just needed some you know he just needed somebody to show him the path right i think it's a great test to not that she says it that way and she doesn't position that way but if you if you're willing to say yes to this guy i think you being willing to say yes if he proposes is based on you laying down the tough conversation now while we're dating see what we don't want to do is have the tough difficult money conversations after we've gotten engaged or after we've gotten married I think at this point what you've laid out seems like he's a good guy, and he seems like there's alignment.

But now, Dave, is when I think we have the difficult conversation. And she goes, this is how I want to live. And I'm going to marry a guy who believes in living this way. And what you want to marry into is a shared vision, not a messed up past. Correct. Everybody's got a messed up past. That's right.

We're marrying into a shared vision of where we're going. And so I don't mind if you marry somebody who was an alcoholic for 10 years, but they've been dry for three years. I agree. And they've changed their life. I don't count the previous against them. Yep. I count where we're going is way more important than where we've been.

Yep. And so, you know, where we're going, where are we going? And are we going to go together? And is it going to, we're going to be in agreement. If I have to fight you all the time about borrowing money and about saving money i'm not going to be on that's not that's not that's not an alignment but if we're on if we're aligned on that and i just got a head start on you oh that's okay that's okay this is the ramsey show well for the first time in the ramsey Show history, a couple of weeks ago,

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Just started out on the baby steps. And this show offers such great motivation. The personalities on the show all complement each other very well. Enjoyable to listen to. Hearing debt-free journeys is a huge source of hope and encouragement grateful i found it from tanya thank you tanya we're grateful ruining my life how do you know it's working when your spouse says dave ramsay's ruining my life all in jest but it's definitely working from coupon clipper thank you way to go and thanks from the uk love the show and the principles you adhere to they work just as

well over the pond in the UK. I love it. You've changed my mind on how I view debt and how I invest, so I'm starting a new journey today, which means no more car loans or leases, maximize tax-efficient savings, and smash at least 15% into pension. Thanks from Hoss. Way to go, Hoss. I like the way he said that or she said that. Smash the 15% into savings.

I like that. You've got to love UK. I love that. Very good. There's some passion, some intentionality in that. Mason is in Charlotte, North Carolina. Hey, Mason, what's up in your world? I'm doing good.

How are you doing, Mr. Ramsey? Better than I deserve, sir. How can we help? Hey, I'm just calling. I'm 21, and I've been working at the same job since I got out of high school. And I've kind of lost all sense of passion and pride in what I do, and I'm really struggling to find some sort of path to be on. And I understand that nobody can tell me what will make me happy um but

i've kind of lost all sense of passion and i'm calling you for some guidance in the sense of ken coleman 21 year old clay on the wheel yeah do your thing man well i want to start with you said you lost the passion that implies that at one point you had some is that true it is okay take me back to when you absolutely loved what you're doing and why you loved it yeah i want to hear that um i think it was a sense of just something new in my life something like a different world outside of what i had already lived through and that being like the the type of job I do with being a machinist and seeing different stuff come in every single day.

And it's kind of slipped away from me, and I've lost that sort of passion. So you love the newness, and I would guess the challenge with that as well? Yes. So you're good with your hands and able to see things in your mind before you make them? Yes, I would say so. So have you lost the challenge? Are you getting new stuff, or now you've seen all the new stuff, and so there's nothing new anymore?

Is that what's happening? Not necessarily that I've lost the challenge. The challenge is there every day. It's just a sense of accomplishment and pride. I feel like I've gotten stuck in a sort of rat race, being like a cog in a machine. And I've done things to kind of help maybe spark new passion. I've been streaming on Twitch pretty regularly,

and I really enjoy that, but it's not going anywhere. Well, the question is, what are you streaming? Are you streaming like working with your hands and projects like that? What are you streaming? I mainly play video games in my free time. All right, so let me help you out. So there was this time when you really enjoyed working with your head and your hands, the building,

the repairing, all of that. And I think what you're facing right now is you are looking for the next mountain to climb. And I do think this is a natural progression for somebody who's 21. You've been doing this three years or so. And so here's the question I've got for you. I don't want you to overthink it, all right? I want you to tell me what, because work solves problems. All work provides a solution, which is essentially solving some problem. What are the problems that you most get excited about when you think about work and your abilities? Because there's a tie between what you're good at, which we know, and what you love. So what problems or solutions get you excited when you think about work? I think the biggest thing would be providing a general help,

like feeling needed and feeling wanted. All right, let's stop right there. That's really good. Now, let's go back to what you do best. If I interviewed all of your shop teachers, coaches, parents, uncles, everybody, bosses, and I said, what's Mason best at doing? What would they say your super talents are? And don't be modest here and don't try to word this. There's no wrong answer. Just tell me, what would they tell me? It would probably just be like doing what I'm told without questioning. It sounds really bad to say, but. No, but what I mean, okay, let me put it this way. There's four types of work. There's people work. It's what Dave and I do. We're in the people work business. There's ideal work. That's what Dave and I do, people and ideas. There's process

work, okay? Those are your operations people, accountants, you know, that kind of process stuff. And then there's things or objects, and those are people that build, fix, invent. You tracking with me? Yes. All right. So, which one of those areas or two do you have the most talent in? People, ideas, process, or objects? I would say the things and people. Perfect. I enjoy connecting with other people. Perfect. That ties into the earlier answer you gave us where you just want to add value to people, right? And right now, all you're doing is things. That's right. You have no people in this room.

That's right. So I'm not hanging any of these ideas on you, but this is where your brain's got to go. I got to go, where am I gifted? If I'm gifted at building or repairing or things of that nature, fixing, wiring, connecting, if that's what I'm really good at and I love doing it for people, then that could be plumbing, HVAC, you could be in the trades where you can make a killing in today's economy and eventually be on a path to owning your own small business. I don't want to project that on you, but that's where the ideation comes from. I'm good with my hands and my head.

What are you making as a machinist? How much do you make? Post-tax or pre-tax, I'm sorry. It's about $40 to $ 45. I work 50 hours a week and that fluctuates from $45,000 a year. Yes. Okay. All right. All right. Yeah. I would be interviewing some people that are in trades that, that do stuff that you're good at and, and ask them about the people quotient, ask them about what they love about the job and how they see their work making people's lives better.

I think that's a good starting point for you because at 21, you don't have a ton of life experience. What you need are ideas. And the ideas are validated when you go, I'm good at that and I would really enjoy that once I've truly unpacked what goes into it. Does that make sense, Mason? I think we need to give him here. Yeah, I'm going to give you the assessment.

I want to give you the get clear assessment. It's going to give you a purpose statement that becomes essentially a high level job description. I'm also going to give you my book from Paycheck to Purpose, which is like the guide to climb the mountain or pursue the mountains you want to go after. So that's my gift. But practically speaking, you're not stuck. You just don't have some ideas that you you're not stuck. You just don't have

some ideas that you're either confident in or you just don't have any ideas at all. Does that make sense? It does, and I definitely do feel like a sense of being stuck, and I feel like it also might be a regional thing as well because I live in a very rural area in North Carolina, but that kind of touches base on like another thing that I wanted to bring up with you know if you were in this position at this age with the knowledge this goes for both of you if you were in this at this age with the knowledge that you have now that you've where you've gotten to where you are what would you tell yourself then I want to figure out what I aim when i am at 10 years

from now and get about the business of getting there right now you're just you're just doing the same thing over and over you're stuck in a wheel yeah so i want you to aim at the mountain 10 years from now and then go climb it so hold on we're going to help you with the assessment and with ken's book brother i appreciate you calling your sharp young guy this is the ramsey show ken coleman ramsey personality is my co-host today thank you for joining us america in the lobby of ramsey solutions on the debt-free stage sean and kathleen are with us happy new year guys happy new year how are y'all doing well how about yourself better than i deserve where do you live boston massachusetts very cool all the way down to nashville tennessee oh yeah well welcome it's so good to have you and how much debt have you guys

paid off we paid off 147 000 yay how long did that take about four years good for you and uh what was your range of income during that four years? Our range was from $48,000 to $184,000. Well, there's a nice jump. So what do you all do for a living? I'm a firefighter and a Ramsey Preferred Coach. Okay. And I am a teacher's aide and a full-time nursing student.

Okay. So what happened to cause your income to go up so much? A lot has happened. We went everything from being unemployed to working the gig economy and then I worked myself into Amazon operations manager. And then from there, while I was doing that, I had the GI bill paid for me to go to school. And so you went to F okay yep and then after that i went and got joined the uh fire department as well yeah yeah wow good for you wow way to go guys it's a great journey so what kind of debt was the 147 000

who it was everything so we had student loans we had a solar loan we had personal loans credit cards car loans you were normal all the normal very normal yeah normal sucks yes it does way to go guys so how long you guys been married we just celebrated 13 years earlier this year so after nine years of marriage y'all looked up and said 147 000 this is not working something's got to change what happened tell us the story what got this started on the Ramsey stuff. It was actually even before that. So we started probably back in about 2014. It came down to, this all happened when I was in the Marine Corps.

I was, we did the normal thing. We took out a bunch of credit cards, racked it all the way up. And then we had basically the choice of do we pay the mortgage this month or do we eat? So we knew something had to change at that point. So we went and my mom flew out and she gave us your book because she Googled how to do a budget. That's basically all she knew about you. She was like, oh, this guy knows something about budgeting. So we did the budget and then we went through fpu and then we did just enough change to breathe breathe and that was it we were dave ish for about four years okay and then what caught what got you on fire

what could kicked it into gear um it was the i deserve mentality so when i when i was working it was after the marine corps when i was working, it was after the Marine Corps, when I was working in a private wealth banking job, I got promoted. And at that point, I was like, well, hey, I deserve a truck. And so the $650 payment that we came with it kind of slapped us in the face again, you know, because I'm stubborn. And sometimes I need a two by four to the head to, you know, really get things moving. So once we had that 650 payment we were like well again something needs to change so here we are again here again you know rat in the wheel right so we went back went through fpu again and then we got real intentional about it at the end of

2019 when we started so you got a c minus or a d plus the first time so you had to retake it pretty much of course we had to retake it okay i'm in i'll take it yep yep and then so we in 2019 we saw something going on with with the company that i was working for and stuff like that so we actually paused the baby steps this is why it took a little bit longer than than wanted it to. We saved up a bunch of cash. Sure enough, 2020 came around. COVID lost my job. And so right after that, we had the savings to rely on, but we really went and got, you know, I did all the jobs. I did the Instacart, the Shipt, I did DoorDash.

I donated white blood cells, everything. Wow. Everything. Out of control. Yeah. And to survive and not white blood cells, everything. Wow. Everything. Out of control. Yeah. And to survive and not have to hit the savings. Yep. And then now you've settled into good, solid careers, both of you,

and now you're debt-free. That's right. Proud of you guys. Way to go. Thank you. I'm just curious about your mindset over the four-year period. So once you actually recommit and get after it, I always like to know were there moments where you just didn't think you could could make it any longer if so i see you

shaking your head uh kathleen take take us there i want because i think there's some people that are probably on this journey yeah they're not where you are today and they feel like quitting we're not going to get there what'd you do what did you guys how did you not quit yeah well we have we leaned into each other a lot um there were times when i felt like giving up and he was like the person i was like no honey we got this we got this and there were times when he was working so many gigs and was tired he would come home so tired and he was just like i don't know if i can do this i'm like no babe you're doing so much we're almost there there. There was a lot of like late night conversations,

kind of like putting our minds back on what is the goal? What is our end goal? Because if we lose sight of that, that's kind of like when our motivation would like go down. But it was definitely hard. Sometimes the kids would be like, I want to be like my friends, they're going out tonight. I want to go buy this.

And it was hard to say no to them but we had we also had to explain to them like what we're trying to do for our family so that we won't have to say no in the future and and they understand for about 10 minutes and then they ask again oh of course of course especially the younger ones yes but our kids were pretty good we we kind of like brought them along in our journey and um they knew what was going on and what we were doing really good to watch their hero parents yes probably has their parents are heroes i'm so proud of y'all they're a part of our budget so like they knew what we were doing so yeah yeah they have their own little

chore charts and everything so yeah very good oh yeah. All right. The biggest thing that kind of really pushed us through was, you know, seeing things actually work the way that they're supposed to, right? So when we were going through, you know, you can do anything for a season, right? You guys say that often, right? And I'm kind of a prime example. At one point when I was working at Amazon, I would, so Monday, Tuesday, Wednesday, I would work at Amazon from 2 a.m to 2 p.m and then i would come home do some school work go to school come back do some more school work and then go back to work so i did not actually sleep monday tuesday

or wednesday wow and then i did that for i don't know two and a half months or so wow so i just you can do anything for a season for a short period of time absolutely yeah way to go gosh was it worth it yes absolutely what do you tell people the key to getting out of debt is for i think it's important to be on the same page in communication because i mean this journey is not for the faint of heart like you have to really like lead into each other and understand each other. Where are you guys coming from? Consistency and grace, right? So because you're going to mess up at some point, right?

You have to be able to not just kind of give up after you've messed up once, right? And then once you've cheated on your diet once, I'm never going to do it again, right? We have to go back into it and go, yeah, we messed up. How do we avoid that next time? And just keep pushing. Very good we have to go back into it and go yeah we messed up how do we avoid that next time yeah and just keep pushing very good way to go guys way to go very proud of you we've got the live and give box for you to say thanks for coming from boston to do your debt-free scream it's the baby steps millionaire book because that's the journey you're on for sure total money makeover book to give away when somebody says i I need a budget, like your mom did, right?

And Financial Peace University, and you can go through it twice if you need to. We proved that. So we got that for you. You can give that to somebody. It'll help you do that. So bring the kiddos up. Give us their names and ages. All right.

So there's Madeline right here. She's 11 years old. There's Evelyn, who is 9. Then there's William, who is 6 then there's william who is six wow good looking family oh they're worth it i believe oh yeah yeah good good work good work you guys very cool i'm so proud of you congratulations thank you all right sean and kathleen kathleen i'm sorry madeline evelyn and william from boston mass7,000 paid off in four years. A lot of unbelievable hard work.

Living like no one else so later they can live and give like no one else. Income from $48,000 all the way up to $184,000 during that time. Count it down. Let's hear a debt-free scream. You guys ready? Three, two, one. We're debt-free! Yeah!

Yeah! Yeah! Yeah! Madeline Neville and William got it. I like it. Yeah, those well-done kiddos. Yeah. They practiced. Score.

This is The Ramsey Show. Our Scripture of the Day, Philippians 2 14 and 15 do everything without grumbling or arguing so that you may become blameless and pure children of god without fault in a warped and crooked generation then you will shine among them like stars in the sky theodore roosevelt said complaining about a problem without posing a solution is called whining i like it oh you gotta love teddy roosevelt good stuff hey guys george camel's brand new book is coming out january the 16th just a couple of days from now if you pre-order the book uh breaking free from broke it is an incredible book it exposes the most common money myths and excuses head on it is

truly a snarky fun read because he gets after the people that are misbehaving in the financial world taking your money and you're going to like it you're going to learn a lot from him breaking free from broke comes comes out January 16th. If you preorder it before then, you get $100 worth of free bonus items, including an instant access to George's newest talk, Show Me the Money, and exclusive access to an online private event and a Q&A with George, the audio book, and the e-book. You can get all of that at ramsaysolutions.com.

Jump into the store and preorder the book. You can get all of that at ramsaysolutions.com slash store. Jump into the store and pre-order the book. That's the deal. And we'd love to get you in there and get this Breaking Free from Broke book. It's been selling like crazy. Thank you very much for that. We appreciate you supporting, George. And this book is going to be well worth every dollar and then a bunch more. All right is in lima ohio hey mark welcome to the ramsey show hey how you doing dave thanks for taking my call um after 30 plus years of being like everybody else buying everything on credit house payments multiple cars all of that uh we did financial peace a couple years ago um kind of figured out that you know

we've been dumb um had a house for 25 years that when we sold it to build a new one, we actually owed more on the house that we had owned for 25 years than what we paid for it. Because you kept refinancing it? Yep, refinance and add on, do this, do that. Anyway, we kind of got our heads out of our rear end and in two years sold the cars, condensed all that stuff. I'm currently driving an old piece of crap, paid in two years, um, sold the cars, uh, condensed all that stuff. I'm currently driving an old piece of crap, paid off the house. Wife retires early. Now we bet free don't own a penny to anybody.

And I'm like, now what? Um, you know, you got cash sitting there and it's like, I, you know, I want to spend it. And then the other, other part of me says, you know, how dare you? Um, so I'm kind of like wrestling in my head with how do i kind of open back up the purse strings and and and be smart about moving forward yeah that's good well um yeah it's normal when you've been going this fast so when you slow down it feels weird um that's a normal thing for most people um sharon and i went through that as well when we went you know we we went to the extremes to get clear of the the past history

of misbehavior and and once we got there we're like i'm not ever buying another car i'm just gonna drive this one and finally the old thing just laying there on the side of the road we're looking at it we're going okay we gotta So, um, and we had plenty of money. We just were cheap and you know, that's where you get to. Cause you stack cash pretty quick when you're getting in your situation. Right. Right. Yeah.

Yeah. The problem in my head is I'm a gear head car, car fetish guy. Yeah. So, you know, I've, I've spent 30 years and really enjoying what i drive and you know i kind of like cut that off two years ago and now the itch is there and i'm like i'm not sure that's the smartest thing to do yeah well i mean there's basically three or four things that keep us aligned at our place um number one we don't borrow money for anything period going forward so no no discussion about anything

that has that in it and i think you're already there right that's that's just that's off the table okay and we're going to live on a written game plan that the two of us agree on our spending and while you're working the baby steps the way to remember it is there's only three things you can do with money and you should always be doing all three giving it investing it and enjoying it the problem yeah the first two we've got it's the third one yeah yeah so you you know now we've got to add that back or you've got about unbalanced equation and so as long as you have the other two in there, you can add that one back. Okay. You will never return to the shape you were in. You've stretched too far.

Oh, I better not. No, you can't. It's impossible. You just won't because you you guys have you have changed you've had a total money make over you have changed you've changed who you are the way you view money and you will never go there again and so now when i buy something i still 30 years after going through all this pause and look at it and consider well and as a percentage of my world is this out of control does it mean i can't give like i want to and i can't invest like

i want to no it doesn't mean any of those things it's a small percentage of my world okay then i'm allowed to buy that car okay in your case in your case that's what you want you know and i like cars i've got a bunch of cars i like them but i don't i have never once i got through all that i have never looked at cars the same way again i enjoy i buy cars now for the same reason you do mark and that's because i enjoy the car i have zero care what you think of my car i used to buy cars for what you thought you know as a prestige item and now i don't give a crap what you think it doesn't bother me at all i mean you like it or not like it doesn't matter to me i bought it for me i didn't buy it for you so um and that's a different way then you'll make a different decision. And so, you know, a few years ago, you know, I bought a 1960 Corvette frame-up restoration.

I was born on 1960, so a 1960 Corvette frame-up restoration. Fabulous. 350 in it, six-pack on it. It's a hoss. And it's a beautiful little antique. It's cherry. Yeah, it's fabulous. It's so nice.

But you know what? I bought that car because I enjoy that car. And it's a garage queen, obviously. It's not a daily driver, right? So, you know, you're going to get back to there is my point. But I drove a hoopty. I drove like no one else, and now I drive like no one else. Yeah, you know, Mark, I wonder if you can if you can

downshift on the intensity. No pun intended. Right I didn't realize I did that boy that's amazing how that happens. That's great. All right but keep the discipline and so here's what I'm saying you said today's response to the three guardrails you said we have a hard time with the enjoyment part well what if you use that unbelievable discipline muscle and you discipline some fun some enjoyment in that new budget yeah because when we're gazelle intense there's no enjoyment in the budget but now you can't and maybe you rely on that discipline as you begin to kind of ease ease you know off the throttle a little bit here i did it again i can't help myself stop me dave but i just downshift and throttle yeah i think that's what you've got to do mark does that make sense like you don't have to be gazelle intensity but you can still be money that you have to spend

for fun that's it i got you you're basically you're basically planning yeah yeah so save up for that difference in that in the way you used to live is you used to just spend until you ran out of money right right and now you're planning like an adult yeah what you're going to spend on enjoyment i'd pick a car out and go all right how many months based on where we are how are we going to save up and get there what percentage you get there and and you know let's let's get an upgrade out of some of the junk you're driving and get you back into some nice stuff and um you're there that's where you that's why you do this you live like no one else so that later you can live like no one else and give like no one

else you live like no one else you drive like no one else so later you can drive like no one else you you know everyone you give like no one else so later you can give like no one else you put yourself in these positions. There's a price to be paid to win, and you have reset your brain, and you've gotten above this money thing instead of down under it. And you guys have learned that, Mark. I'm proud of you. Way to go.

You're killing it. Good stuff. That puts this hour of the Ramsey Show 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. We'll see you next time.