The Ramsey Show - App - I Spend Too Much on Take-Out and Delivery (Hour 2)

Episode Date: February 1, 2021

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. Anthony O'Neill, Ramsey personality, number one best-selling author, is my co-host today.

Open phones at 888-825- 5225. That's 888-825- 5225. Michael is in Orlando to start off this hour. Hey, Michael, how are you? Good. How are you guys doing today? Better than I deserve. How can we help?

Yeah, I appreciate the call, the time at this time. So my question is, I just got accepted into PA school recently. I finished my undergrad last semester. No debt at all. My wife and I are completely good right now. So going into PA school, the school I got into, it's going to be a little bit over $83,000. By the time we start school, we'll have about $78,000 in savings, about $10,000 in a mutual fund. And we should have enough to pay for it out of pocket because, of course, I definitely don't want to take out any

loans. Good for you. Well done. Thank you. I appreciate it. So my question is, though, you know, it's 27 months long, and we know that sometimes unexpected expenses can come along the way. I have a state retirement with about $42,000 in there, and a Roth IRA with $20,000 in there. So if it comes to toward the end of the program, and if we were to fall short a little bit on the tuition cost, what's your guys' view on using like the Roth IRA to cover the difference at the end? No. I'm confused. Why would you fall short? Yeah. Well, just because... You already have the money. You got to spend it on something else. No, no, no, not at all. So my wife's a stay-at-home mom. I'm not going to be able to work while I'm in PA school because of demand. I'm going to have to leave my job here.

And my wife's going to be doing a little bit of work under her brother, making a little bit to just cover our monthly expenses. I guess it's just in the event, we're not expecting that that will happen, but just in case, you know, with medical expenses or unexpected things that happen, you know, auto expenses that come along the way, if it does, my wife and I were curious, if we fell short at that time, what would we, should we like take out of the Roth IRA or what would you all suggest if something like that were to happen?

No, no, we're never gonna tell you to borrow against your future, man. What I want you to do is start planning for that now because you're right, life can happen. And more than likely life will happen. But how do you start preparing for that now. Because you're right, life can happen. And more than likely, life will happen. But how do you start preparing for that now if you know you're 27 months down the road? So my thing is, okay,

you probably can't keep a full-time job, but what can you do when you're not in school as in a part-time job to start stacking up money and start paying cash towards that as much as possible? Because there are some things you can do. But you pretty much have the cash now. But how can you keep doing something on the side, like your wife, so that way to make sure you all get through this process without racking up any debt

or pulling from your 401k and your Roth IRA? Michael, I'll tell you what's scaring me. Not so much the question, but the way you're phrasing it. It's almost like you're setting up a self-fulfilling prophecy. Like, this is going to happen. Because you're planning. It's like you're planning for it to happen. Instead, let's plan for it to not happen and figure, okay.

So here's our recommendation. It has been since I came on the air. We do not cash out retirement accounts except to avoid bankruptcy or foreclosure, and neither one of those are this issue. So the answer would be no. Now, if that's off the table, what are we going to do? When did you say you start PA school again? May 10th.

Okay, so between now and May, I'm going to pile up extra money like crazy so that I have offset any worries I have in this area. Oh, by the way, you've done an incredible freaking job. Absolutely. Where did all this money come from? So for about three years, so my son's one and a half before my son was born. My wife and I both worked full-time. I was actually in school full-time and in work full-time for about four years.

And what we did was when we first got married, we pretended like my wife's income didn't exist. So what did your wife do? So before she became a stay-at-home mom, she was working in finance, and then she did a little bit of hospitality, being a server. Okay. And she wants to be at home full-time with the new baby, which I'm completely on board with, by the way. So here's what would happen at Dave and Sharon's house. Number one, between now and May, we would be on beans and rice so that we had an extra $10,000 or $15,000.

And then this question's off the table. If something even busted through that and we got towards the end, what would we do? We would just both go to work. And it'd be uncomfortable. And we would do wicked weird stuff. And it would be strenuous. But it would be for a matter of two or three or four months it would not be for five years and you're not going to destroy your child at two and a half years old and they need counseling because mommy and daddy

both worked their butts off for 90 day period of time all right kid lived through it mine did yeah so uh i'll give you an example one of hardest six-week periods of time in our entire lives, including the time that we went through bankruptcy, was after we had been married about three years, my wife had about four classes left to finish her degree and had never finished her degree. The shortest way to finish the degree was a six-week cram course during the summer, and she could knock out all four classes and graduate. But she had to go to Knoxville 200 miles away and take my baby with her, my brand-new baby with her. So for six weeks, she would get in the car on Sunday night, and we would both cry,

and she would drive to Knoxville and put the kid in daycare and go to classes all week long and come home on the weekends. And then we would cry when she went back. And the baby cried, and we all week long and come home on the weekends and then we would cry when she went back and the baby cried and we all cried and it was awful and the baby of course does not remember it she's grown now and has babies of her own she lived through it but mama got her degree by god and we paid a price for that to happen it was an emotional price as much as it was a financial price but i'm just saying that's the worst case scenario you're going to run into something like that where you guys are just all in and you're working and it's

just like this horrible three four month period of time but to even avoid that between now and may 4th let's just pile up some more money but you got to take this stuff off the table or you're going to gravitate towards it as a self-fulfilling prophecy absolutely you take it off the table by just like you said day between now and, just go ahead and work hard. Well, it's just not even an option. Yeah. You have to. You know, maybe we don't finish our degree.

Oh, my God. No, no. You know, but I mean, you know, but you take the retirement. It's not an option. So if it's not an option, then we've got to, our mind immediately starts working for other directions and other alternatives. Once you say that's a non-sequitur, that's a non-starter, then what are we going to do? Okay, we've got to figure out a different way to do it.

And you'll find it. Yeah, but if you leave that, oh, we can always go there, you're going to wander your butt off right through that Roth IRA before it's going to happen. You can just about count on it. Yeah. So that's how I'm thinking through this is just the language you're using and how you're approaching it. And I want to reiterate, Michael, you've done an incredible job. You are, I mean, your wife's at home full time with a baby. You're going to PA school.

You've saved up the money. You guys are rock stars. I'm so proud of you. This is the Dave Ramsey Show. People all over the country are discovering a faith-based and budget-friendly way of meeting health care costs through Christian Health Care Ministries. Christian Health Care Ministries, or CHM, is a non-profit organization that helps members carry one another's burdens with healthcare expenses. And they have successfully shared each other's medical bills for nearly 40 years.

See if CHM is right for you by visiting chministries.org. CHM is a proud sponsor of Dave Ramsey Live Events. Well, if you are trying to find the perfect Valentine's gift, consider this your friendly reminder. In order to make real progress with your money, you've got to be on the same page as your spouse. You need to work together to create a budget and a plan that helps you with your future together. And to help you get on the same page, we've gathered up our best-selling books and budgeting tools and bundles for couples all in one big sale. So you can save up to 83% on the gifts that will help you reach your financial goals. Plus, you do not want to miss our Money and Marriage live stream on February the 12th. Early bird tickets

are only 20 right now and that includes of course rachel cruz talking about money and dr john deloney talking about emotional wellness and relationships as they walk with you and your spouse through a really fun date night and you're going to learn how to have better conversations create deeper connections make faster progress go to davramsey.com backslash store, get your live stream tickets, and check out the Valentine's Day gifts that'll help you build a bright future. Hurry, the sale, of course, ends February 14th. Gaylene is with us in Eugene, Oregon. Hi, Gaylene, how are you?

I'm doing great. How are you doing? Better than I deserve. What's up? Awesome. Thank you for taking? Better than I deserve. What's up? Awesome. Thank you for taking my phone call. Sure. What's up is I'm 59 years old.

I don't have any debt. My husband and I are 42 years married, and we've raised five children, and I was a stay-at-home mom for most of that time. And now I'm teaching two-thirds time as a choir teacher in high school. And I make about $2,200 a month. And I save all of that money. I have about $40,000 in the savings account right now. What's your husband like? My husband is retired.

He was a teacher also, and he brings in about $3,500 a month from his public employee retirement. Okay. Well, after 52 years of marriage, I'm going to teach you something about marriage. There's no he's and we's. There's no he's and yours. It's we. There we go. Yeah, right.

So together, we make that money together. Yeah, together you make over $6,000 a month. Yes. Yeah. About that. that yeah that's awesome okay thank you so um so yeah so now we uh we got our pay our house paid off last year and uh we live on four acres in a double wide manufactured home that's about somewhere between 30 and 40 years old. And I don't have a retirement fund that I haven't set anything up. I thought about taking out a 403B, but I didn't. I wasn't sure. I'm worried about investing any money in mutual funds because of our economic

situation with the government and everything right now in the political scene. So it's just sitting in a savings, and I know that with inflation, it's probably just going to devalue, and I need to do something with it. But I've been trying to save money to build a stick frame home so that our property would be worth more. How much money do you have saved? I have $40,000 saved. Does he have any saved? No.

Okay. So we basically save all the money that I earn. How old are the two of you? I'm 59 and he's 64. How long did you say you've been married? 42 years. We got married really young. I thought you said 52 a minute ago and I was like,

I mean, even in Tennessee we don't marry them at nine. Yeah, I was young enough. That's a little young. Okay, I got you. So I'm trying to figure out if we should. My husband has some good skills. We did build a house quite a few years ago. We sold that because of the location and the pollution problem that we had, and then we

bought this little mini farm. When I hear 30-year-old or 40-year-old manufactured double wide, there's all kinds of visual things running through my mind. Right. And most of them aren't pretty. What kind of condition is this in? I'd say it's in pretty good shape on the inside. Like, we put hardwood floors throughout, and we have, you know, taken those ugly wallpapered walls and we've transformed them into, it looks like a real house inside. Yeah, but what about stuff like heating and air?

I mean, you have to burn the thing to heat it uh yeah it's it's the heating is expensive we have a wood stove and so we pretty much use our wood stove for heating but it has central air it's just i mean okay here's which here's the way you answer your question is project this out 20 more years you're you're 79 20 years from now right where are you living in your mind then a 20 year older version of where you're sitting now or somewhere else well i i love it here we we love to say i was asking about the trailer oh oh in my mind i'd love to have a a nice big house where the grandkids can come and have a good time and make this uh property kind of like a vacation uh place for them to come to. Okay. A lot of people that I know in your situation with a lot of skills and with some property that they love and time on their hands and a little bit of money sometimes will do a

staged building process where, for instance, I know folks that have gone out and built a really fine barn with a living quarters upstairs as stage one. In stage two, they begin to build their house. But in that case, they're getting rid of a house payment. You're not getting rid of a house payment, so that's not your move. Another stage I see people do is sometimes I've seen them build a basement with a living quarters in it, and the roof of the basement is going to be the future first floor of the house. We used to call that country built.

I don't know what you'd call it in Oregon. It's not an ideal way to do things, obviously, and it might be only slightly better than the living conditions that you're in. It'd probably be much more energy efficient. But I don't know. You know, I would start asking, or maybe you build a small home that is designed in such a way that it naturally, and with a plan, has ways to continue to add wings on it.

Mm-hmm. That would be another way to do it. I like that idea. You build a 40,000 square foot box, or $40,000, 40,000 square foot, a $40,000 box, but in such a way that each side of it is designed that, okay, you're going to leave this room and eventually go down this hall for another set of bedrooms and down this hall for another set of bonus rooms or whatever. Those kinds of things with a design where you can add on with cash once you've made

the move out of the double wide. But if you don't go ahead and start doing that now while you're young enough that you have your health that he can swing that hammer, because I got a feeling he can build this for little to nothing, can't he? Right. Yeah. He's got the skills to do it. But like to nothing, can't he? Right, yeah. He's got the skills to do it, but like you say, we're both getting older. Yeah, and I don't want you to wait until you're 75 to start this idea.

It won't be as palatable. But I'll bet you with him retired, he could do a whole lot in the next 24 to 36 months towards getting you guys into your first version of a stick built with cash. Mm-hmm. And so what would you think about just taking the home that we have and gutting it and pouring a foundation and utilizing what we have and adding on to it? You can, but does that get you where you want to be when you're 79? Yeah, I don't know i i mean if if we could a renovated 40 year old double wide 20 years from now will be a renovated 60 year old double wide you're right yeah there's i mean i i

you can do whatever you want it's yours all right i'm just one of the things that helps me make better decisions financially is if i can project out there and go is the 79 year old version of gaylene going to be looking at the 59 year old going man you were so smart or that was foolish because i look back at the younger version dave and most of the time it was foolish yeah yeah yeah oh man this is the dave ramsey show Anthony O'Neill Ramsey, is my co-host today. Open phones at 888-825-5225. On the debt-free stage in the lobby of Ramsey Solutions, Lauren is with us. Hey, Lauren, how are you? Hey, Dave, how are you?

Good to have you. Where do you live? Denver, Colorado. Bit of a trip to Nashville to do a debt-free scream. Yes. Very cool. How much have you do a debt-free scream. Yes. Very cool. How much have you paid off? $55,201.

Good for you. And how long did this take? 34 months. Wow. And your range of income? Started at $50,000 and up to $74,000 and then back down a little bit. Good for you. What do you do for a living?

I'm an account manager at the College for Financial Planning. Ah, well, there you go. And many side hustles. That's the old CFP land. Yes. All right. Very cool. And what kind of debt was the $55,000?

Mostly student loans. Had a small credit card in there, paid off a cell phone, and then cash flowed a car during that time as well. You paid off a cell phone? Yeah, I did. Oh, yeah. You're really normal. I was leasing it.

I love it. Yeah. Okay. So you work with financial planners. What happened that turned you on to getting out of debt 34 months ago? I actually started the position about 34 months ago. Okay. And so that was what really ignited my fire.

I had a friend that was cheering me on saying, you can pay off your debt. It's totally possible. I was like, I don't make enough money for that. Got a newer position, started at the college for financial planning. And that's what really kind of made me realize I'm surrounded by this all day. There's no reason that I can't work hard to pay it off. Yeah. Wow.

How'd you get connected to us? So my friend Chris Brzezinski recommended you. He paid off his student loans. He gifted me the Total Money Makeover book. Wow. And so when I started at the college, I started reading the book, and it was game on from there. Okay, cool. So surely some of the people around there were cheering you on.

Oh, yes, yes. I've had nothing but support from my coworkers, my family, my friends. Everybody's been super excited for this. Yeah. Well, we're excited for you. Well done. Absolutely. Very proud of you.

So the Total Money Makeover book and the new job got it going. Got it going and then hustling my butt off. Yeah. Had lots of jobs. So when you say hustling. Extra jobs. Oh, yes. Yeah.

How many jobs extra did you have? Oh, gosh. Throughout the whole process, four, five different things. Catering was always a big one for me. I bartended for the Denver Broncos. I worked at a grocery store. All kinds of stuff. Yeah, so that really accelerated it.

What made you the most money for the hours spent as your extra job? Catering, for sure. Food. There's a lot of food. There's a lot of potential to be making a really good hourly wage, and then tips on top of that certainly help, and you're getting to go and see different places. It's an amazing side hustle.

So you were working catered events. You weren't the caterer. Both. So I don't actually cook. I'm like the bartender, the server, the front of house type person. I got you. Okay. What was the hardest thing throughout this journey?

I think the discipline is probably the hardest thing. And just realizing I can do it if I set my mind to it. When I started, I was 27. I told myself I'm going to be debt-free by 30, but I had no idea if that was actually achievable. It did happen. Very happy about that. But just reminding myself when I was working all the extra jobs and saying no to so many different things that it was going to pay off. So just keeping the why important.

So you're 30 years old. You're 100% dead free. Yeah. How's that feel? It's amazing. It's been six months and it still doesn't feel real. I'm so proud of you. I don't see a ring on your finger, too.

So that's a good thing. Yeah. Yeah. Just me. No headaches. No headaches. No. Nope.

You can say something like that. I can. I'll say that. Yeah. Oh, that. I can. I'll say that. Oh, man. Well done. Well done. So what advice do you have to a 27-year-old single young lady with overwhelming student loan debt? Because it was overwhelming.

It was. It was crushing. It was. Denver, Colorado, it was crushing. Didn't believe it could be done. What advice do you have for them? What should they do and can they do it? Say no to everything.

You can have fun later. I had fun along the way, definitely, but it's very important to just keep the mindset that you can do it, you can pay it off, work hard, be successful, and keep your nose down. There's plenty of time to still do everything that you want to do, and the budget is extremely important. and keep your nose down. There's plenty of time to still do everything that you want to do. And the budget is extremely important. I have the cash envelopes that I used the whole time. I got a lot of, you know, teases for that. And it was funny. It was funny and all of that, but it really did.

Once I started hitting the end was like, okay, wow, this is actually going to happen. So just stay the course is the biggest piece of advice. So you're a young millennial. What's next? You're debt-free. You have freedom. What's next? That's a good question.

Well, finishing the emergency fund. That's next. That'll be next month. And then after that, I mean, I want to start saving money for a down payment on the house eventually. That's the big thing. Put money in an account. My car that I cash rolled, it's 2003. Any minute now, you know, I might need a new one.

So I'm just moving up in car. That's an exciting thing for me and just continuing to have the freedom to do what I want to do. Money's not holding me back. You've got margin now. Yes. Well done. Yes. So who are your biggest cheerleaders?

Gosh, it's so hard to, there's nobody that was not a cheerleader, honestly. Wow. My family's here with me, my mom, my dad, my two sisters, big supporters. My entire extended family, big supporters. They just wanted an excuse for a girl's trip to Nashville. That's all they wanted. We know about them. It's fair. That's all they wanted. We know about them. It's fair. Yeah.

Yeah. Are they debt free or are they on the journey as well? They're on the journey, but lots of big wins over here. There we go. My sister's paid off a lot. My mom paid off a car early. Yeah. Everybody's working to do this because it is doable.

You've inspired everybody. Yeah. I'm so proud of you. Thank you. Very, very well done. And it's good to know in the College of Financial Planning that there are wise people. Yes. Yes.

I know there's a bunch of them. I'm just kidding. But, yeah, you could be leading the way over there. Yeah. That's fabulous. So well done. So well done. We've got a copy of Chris Hogan's book for you, Everyday Millionaires.

For sure, that is the next chapter in your story. You are well on your way, young lady. Very well done. Very well done. That's impressive. No, I'm really impressive. I was about to say something, but I'll talk about her on my show. Oh.

Yeah. Because I like her. She's real cool. I just want to make sure that her future husband knows he needs to be either on the journey to becoming debt-free or debt-free. That's bottom line. If he's not, he ain't a future husband. There you go, Dave. See?

See? See? Yes. I didn't want to say that. This one ain't picking on anybody else. I can just tell you. Hey, no. Good job.

Well done. Good job. All right. Lauren from Denver, $55,000 paid off in 34 months, making $50,000 to $74,000. Count it down. Let's hear a debt-free scream. Three, two, one. I'm debt-free!

Yeah! I love it! Very, very well done. Over your 25 years of doing this, I'm curious to ask you a question. As far as in, we're seeing more and more of younger and younger individuals coming here, paying off debt, paying off student loans. From the Uncle Dave perspective, how does that make you feel, seeing that these young people are getting the message and they're moving forward? When I started the show, I was 32. Yeah yeah you was young then shut up anthony that was not the point shut up anthony the uh yeah so my point is is that i was their peer yes much like Much like you. Yes, sir. And so I was the focus group. Yeah.

It was my friends and people like my friends that I was talking to. Yeah. And so we had a lot of 32-, 34-year-old, not as much of what we call millennials today, but they were, you know, Gen Xers. Yeah. You know, Blake Thompson's age. Yeah. Kind of thing, right?

That were coming through just slightly behind me. Maybe I'd been married five years and they'd been married, or maybe I'd been married ten years and they'd been married five or six, and maybe I had kids three years older than theirs, but we both had little kids. And so, like, you were talking to people that age group. Rachel's talking to people that her age group with those little kids, that kind of thing. Or you're talking to single millennials. But the beauty of what's ended up happening with this show is with the advent of podcasting and the advent of YouTube, we've been reaching a younger audience than traditional radio reaches.

Yes. And we want to reach everybody. But it is a lot of fun taking the calls from these 24-year-olds, 30-year-olds, 28-year-olds, 27-year-olds, 26-year-olds, single or otherwise, and are doing this. So, yeah, from a legacy perspective, Papa Dave, Grandpa Dave. Yeah. Yeah. It's cool. Very cool.

Proud of it. I mean, she's my kid's age. Yes. So, you know, that's awesome. It's very cool. This is The Dave Ramsey Personality, is my co-host today. Open phones at 888-825-5225. If you feel like you're stuck and you're always going to be in debt, you're overwhelmed, you don't think you're ever going to get out,

well, it doesn't have to be that way. It is time for a new way of thinking. You have to believe you can get rid of the debt, and you've got to take control in order to do it. We can show you how. And it won't take nearly as long as you think. It's going to hurt. It's going to be hard, and it won't take nearly as long as you think it's going to hurt it's going to be hard but it won't take 20 years with ramsey plus we'll kick you off with 90 days of guided help so you can put more of your money back into your account and you're going to learn practical

ways to get small consistent wins that add up to big results and better habits you're going to change transform and that means you're going to get to where you want better habits. You're going to change, transform, and that means you're going to get to where you want to go and you're going to get there faster than you thought you would. Debt-free and wealthy and outlandishly, outrageously generous. So get Ramsey Plus and start living the life that you want faster. If you want to do a free trial, text the word trial to 33789 text trial to 33789 valerie is in chicago hi valerie welcome to the dave ramsey show hey dave thanks for taking my call today sure what's up so um all right i'm 24 i am almost going to be 25 in two months. I make $60,000 a year at a job I completely 100% hate. I have no savings. I live paycheck to paycheck, and I have several addictions that hold me back and cause me to take out cash advances to the point where I am $1,000 in the hole every time my direct deposit hits.

I've been a chronic marijuana smoker for, oof, like seven years now, and I have been basically eating straight-up Uber Eats and DoorDash for, like, every meal. I mean, I haven't cooked a meal in, like, three months. So, wait a minute. You smoke a lot of pot you're hungry all the time who knew oh my gosh only on the day it's like something happens between the hunger pang and the like i just black out and then there's a transaction and someone's at my door and it just happens every

time and i just can't i can't seem to get a handle of, of just, I don't know, discipline. And I want to grow up so bad. And yet I, I want a certain life for myself. And I just feel like I'm constantly carrying around all of this, like shame and guilt, because I just can't seem to get it together. And I know what I have to do, but I just don't know how to start. Valerie, um, before we talk about, you know, this, I have one quick question. Cause you're saying you're in a hole a thousand dollars a month. What, what kind of debt do you have? Payday lender you said? Well, okay. So I have general debt. Like I have a car repossession and stuff like that. And a

couple of medical, the medical debts that are like 10,000. Okay. But when I say $1,000 in the whole, I mean, I have, like, 10 applications installed on my phone where I can get a cash advance, like, instantly. Right. And so I literally go one by one down the list, and I just do whatever I need to do to get the next, you know, bag of weed or meal or whatever. Here's the thing I want to say, and we we know Dave is going to chime into as well. But I want to commend you for at least admitting the first step to anything to moving forward is admitting and acknowledging the fact that you have a problem.

And you came on the show and you said that. The second part of that is, though, Dave and I can't give you discipline. You can only give yourself discipline. And as I listened to you, one of the key things that I, that I hear, we can give it a practical steps on how to get out of the situation that you're in, but it's so much deeper than just that. There's so much, it sounds like you don't have a reason deep down inside of yourself to why you need to stop and why you need to make a decision. So you keep going back and back and back into it because there's nothing deep down saying stop.

There's no reason why that when you feel like getting another bag of weed, when you feel like getting some more food, when you feel like going and doing this, nothing can stop you deep down. And so I want to encourage you, not keeping it impractical today. I want to encourage you to spend some time today to really sit down and ask yourself why. Why do I want to give up smoking? Why do I want to give up this and ask yourself that five times? And by the time you get to the fifth answer, you should be in tears. You should be emotional. That why should make you cry and that why will push you through the price of commitment of what it's going to take to stop smoking to stop living a life of not having discipline and that's one thing that i would encourage you i never had a smoking problem but i did have the eating problem i did have the chasing ladies problem you know and i had to really develop a

why so you know what i'm tired of living this life and I'm tired of leaving this life because I want more for my kids, want more for my future. And that why pushed me through of saying no. So I really, you know, I mean, and I want to say so much more. The only time people change on anything, whether it's eat a bag of Oreos, whether it is any – just pick a destructive habit that we all have destructive habits or destructive tendencies. of where we are, the disgust with the person in the mirror becomes so great that that pain is greater than the pain of change, because changing is always painful, agreed? Yes, very painful. Yeah, not doing things the way you've done them, and radically detoxing your body, getting on an exercise program, eating healthy, obviously stopping the drugs.

All of those things are, you know, doing anything that's different than the way you've been doing it, even if the way you're doing it's destructive, is painful to change. And only when the pain of same, the pain of where we are, is great enough. And it doesn't have to be an external pain. It doesn't have to be the doctor says, if you don't stop this, you're going to die. Now, that would be an example when we go, okay, I'll stop it, right? I don't like you you don't you don't respect you don't respect yourself i'm not i i mean you know what i'm saying

i mean like you if you were it's almost like you were outside of yourself looking in and go you know this chick smokes weed and orders you know orders everything in sight has no money, it's almost like you were outside of yourself looking in and go, you know, this chick smokes weed and orders, you know, orders everything in sight, has no money, and is in a chaotic life. I don't know who this woman is. And you're looking, like you're looking in from the outside, and I heard that kind of disgust in your voice. Didn't I? It's there. It's there, for sure. And I'm not trying to shame you.

I'm saying that can actually be a building block and you go you know what yeah i'm sick and tired of being sick and tired les brown the great motivator and you can look him up on youtube he's fun to watch um says people change their lives when they finally say that's it i've had it and anthony's right i can't do that for you. I can just believe in you that when you do that, you're going to see a tremendous change. But it does come. I like his suggestion best of all.

What is a really good reason for you to break this cycle? To be honest, I watch a lot of videos about entrepreneurship, but I know that if I can't even handle my food bill, I can't handle capital or people. Okay. There we go. Yeah, I like that. I want to start my own business.

And until I get my crap together, I'm not going to be able to do anything at that but fail. That's what you just said, right? That's exactly what I said. Yeah. And so there's a good why. Yeah. I'm going to clean up my crap here, clean up my life so I can start my own business

and be a successful entrepreneur. Because I want that more than I want to sit and watch Netflix reruns and order Uber Eats and smoke a joint. Yeah. And then ask yourself, why do you want that business? Yeah, why is it you want to run your own business? That's a good question. I think that I work in, like, health care, like finance,

and I feel like a cog in the machine. Yeah, you hate your job. I feel like I've wanted something machine. Yeah, you hate your job. I've wanted something more meaningful for a long time. Yeah. I want to do something where I can actually help people and do something that matters. Yeah. Did you just say that? That's exactly what I said.

That's a good why. That is a stop. That's a good reason to straighten up your crap, girl. I like you. You're awesome. Call us back. Tell us how you're doing, okay? Hold on.

We're going to put you into Ramsey Plus and help you with the money stuff, but you won't fix that until you fix the other stuff either. But we're going to help you anyway. Hey, call us back and let us know how you're doing. This is the Dave Ramsey Show. This is James Childs, producer of the Dave Ramsey Show. On your smart speaker, you can add our skill by saying, Alexa, open the Ramsey Network skill. From there, you can listen to all our shows, ask Dave money questions like, how do I invest my money, or what is the debt snowball?

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