The Ramsey Show - App - I'm Seeing Financial Red Flags With My Boyfriend (Hour 2)

Episode Date: January 13, 2021

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I am Dave Ramsey, your host, Chris Hogan. Ramsey Personality is my co-host today. Open phones at 888-825-5225. Stevie is with us in Erie, Pennsylvania. Hi, Stevie. Welcome to the Dave Ramsey Show.

Hi, thank you. How can we help? Well, my question is regarding choosing a financial partner, looking towards marriage. Okay. So currently I'm in a serious relationship. You know, we're both pursuing a longer goal, but I've noticed some things that are red flags, I would say. And I'm not sure if I'm being overcritical in it or just being attentive to the situation. So this individual,

for instance, there are a couple examples I can give. One of them is if we were to both go out to a restaurant, this person's been unemployed for the past nine months, you know, they will order the most expensive item on the menu every single time when they are being paid for. But when it's my turn to pay, you know, I always pick the cheapest, keeping in mind the fact that we're both students and I'm also working currently. The second example would be he just graduated and he took two months to get persuaded into looking for jobs seriously. And now that he's found one within three days, he's already considering quitting.

Me, it just seems a bit of a red flag. Stevie, how long have you all been together? About eight months. How old are you guys? I'm sorry, what was that? How old are you guys? I am 27 and he is about to be 26. Okay.

Stevie, I'm going to tell you something. I think whenever you have those red flags, and these things that you're talking about and looking at, these are things that I think there are probably more that you could allude to if we really pressed and talked. I'm going to tell you, you're probably dealing with someone that's not motivated. Um, and this to me could sound like it could end up being a project for you later in life on many other fronts. Um, I, I, I would move on. I really and truly would, uh, because you want someone that that's, that's, that's equal

with you that wants to chase and conquer and work together as a team. Right now in the rowboat, you're the person that's rowing and he's relaxing. And I don't think that that's the kind of life you want long term for you and your own legacy. Yeah. And also it's a concern too. When a lot of people hear my major, they're like, oh, you're going to make money. But they don't realize the investment that's gone into it and the work that's gone behind funding my own education. Yeah. Well, you're a driven person. You're motivated. You've got

things that you want to accomplish. And I don't think there's anything wrong with allowing this individual to be a good friend, but I wouldn't move on if I were you. I think you've seen enough red flags to let you know something's not quite right here. You know, sometimes a way to – it's a little tough for us in a two-minute radio call to dictate the next decade of your future with a relationship situation, but a couple things pop into my mind just hearing your story and listening to you. There's no question you're a very goal-oriented person. You have a lot of initiative and a lot of drive. And so you're self-aware enough to know I could be overly concerned about this.

I could be a little bit legalistic about it. And that's good to worry about that a little bit to be you know to on your part you don't want to be a you don't want to be a jerk on every little detail right but the things that you the second thing that you mentioned um unemployed for nine months finally does get a job uh and then immediately hates the job and wants to quit uh you know it just that one sounds a lot more serious than just the the price of your entree um you know and and the the lack of manners around ordering the expensive thing when you're not paying manners i mean if you if we told somebody not to get

married based on manners i sharon wouldn't ever married me i didn't have any manners still don't have a lot but she's taught me a few. But I finally figured out which fork and all that stuff. So two things pop into my head that I always think of when I'm in situations like yours. Three things. I had another one pop into my head. One is a buddy of mine says when there's something bothering you down inside when your spirit is disturbed there's a reason and your

spirit's disturbed and that's why you called and you're just looking for someone to confirm to you that it's okay to have a disturbed spirit and he always says when in doubt don't so if a deal feels funny if i'm working on a business deal or a client and it feels funny there's a reason it feels funny there's something really going on there you know and that's not that is not to be discounted. And so that concerns me about your situation. The second thing is there's a book that my friend Henry Cloud did called Necessary Endings. When do you end a relationship of any kind? When do you end a relationship where you, like you say, I'm going to quit a job, or I'm going to do a breakup,

or I'm going to end a marriage, or I'm going to end this friendship or I'm going to end a marriage or I'm going to end this friendship. When do you end a relationship? It is when you lose hope that the thing of concern is never going to get any better. And the character qualities that you've lack of character that you've outlined falls in that category. And so when in doubt, don don't and then the last thing that popped into my head was this ask yourself because you're wise beyond your years 15 20 years from now your teenager girl your teenage daughter is sitting in front of you and she asks you this exact question what are you going to tell her about this boyfriend and that one that may end it for him no i mean because that

he may be done when you ask yeah i mean that pulls yourself out of the middle of it, and now you're looking and talking to someone you love. In other words, does the 35-year-old you have respect for the 27, 26-year-old you? Wow. When you look back and you go, ooh, dodged a bullet on that one, or hey, I'm glad I didn't overreact to a couple of little things. That's right. That's a good point. One of the two ways. No, that's a great perspective.

And just back up from it a little bit and so those are three things that i use i look for that kind of a thing and say you know long term am i going to be glad i did this right because if you back off and say long term is this a good investment long term am i glad that when i'm 75 years old i mean uh we're if we're negotiating severance with somebody that we've let go here. Right. And a few dollars makes it better that the pain of someone leaving the building. I'm never going to regret those few dollars on my deathbed when I'm 78. Right.

That's great. And I would regret that a relationship was ruined that didn't need to be ruined. Right. Wow. Long-term perspective. Good perspective. This is The Dave Ramsey Show. Imagine the day you submit the last payment on your debt and you finally have extra money to spend and save how you want.

For some of you, that day feels like it will never come, but it doesn't have to be that way. It's a new year, and it's time for a new way of thinking. You have to believe you can get rid of debt and take control of your money because you can, and it won't take nearly as long as you think. With Ramsey Plus, you'll learn practical ways to get small, quick wins that add up to big results fast.

We'll help you put more money back in your bank account so you can get where you want to be faster, debt-free and spending your money without worry. This year, you can make more progress on your debt and savings than you ever thought possible, and you can start today. Get Ramsey Plus so you can get started living the life you want faster to start your free trial of ramsey plus go to daveramsey.com reset chris hogan ramsey personality number one bestselling author, is my co-host today here on The Dave Ramsey Show.

Got a special treat for me, and I hope and I think for all of you as well. I've got my friend Clark Howard on the line. Hey, Clark, how are you, brother? It's so great to join you. How are you doing today? Man, I am great. For those of you across America that have been living in a cave somewhere, you don't know things. But if you do know things, you know Clark Howard is a big deal in talk radio and has been for several decades. He and I have been in the same space, the money space and the consumer advocate space.

He spends a lot of his time on the air talking about how to originally talking about how to get a good deal on like an airline ticket. He still does some of that. And has had several number one best-selling books. He's in the National Radio Hall of Fame. Our paths have intersected many times. I've got huge respect for this guy. And he has just made the decision to retire from radio he's going to continue to teach and continue to have the clark howard show on podcast and uh and the work he does on his websites

and everything but we just wanted to have him on and honor my friend because he's done so much for so many decades for so many people uh using the power of radio to help them. Clark, thank you, brother. Well, thank you. And you and I were inducted in the Hall of Fame on the same night. Like, was it six years ago, something like that? Yeah, that's exactly right. That's true. Yeah.

Irony of ironies. Because you and I really were, I think we're probably the, by far, the two largest names in radio in the money space or the consumer space, I guess. There were a couple of other people on radio back in the day doing this stuff when we were there, but I think they've moved on to retirement many years ago. And I think you and I, I could be wrong about this, but I think you and I are the only two people in syndicated radio, just about in the history of syndicated radio,

that own and operate our own shows rather than working for the man. You know what? That's true. That would be true, let's say, of size. There's a few of them do it that have two shows or two or three stations, but you had a pretty substantial network, and we do too. And, yeah, that's exactly right, and you had resisted that. So I stumbled across your retirement

because we picked up like 10 or 15 of your old stations when you when you wow congratulations well thank you yeah it was a natural fit and i was complimented that those stations thought that you know that i could you know that that audience of yours would accept me uh as well as anything else or better than anything else out there. And so that added to our network. So it's good. None of those stations got handed off to the man. Well, you are so much more energetic than I am. But I reached a point where I'm working so much and our websites, you know, because digital

is where the growth is, was absorbing so much of my time that I was getting to a point where I was exhausted all the time. And so something had to give. And what gave for me, what had to go away, was radio. You know, there just weren't enough hours in the day for me. And so the podcast and the website, that's where it's at for me now. So when someone, if they haven't for some reason listened to The Clark Howard Show and they tune it up on a podcast right now, what are they going to hear? What are you covering? How are they?

I know, but I'm giving you an underhand pitch here. Tell them what your podcast is about. So what I very heavily concentrate on is something I heard in one of your spots a minute ago. It's about how to get your spending under control. How do you get your life where you need it to be, where you're living consistently every pay period on less than what you make? And there are so many things we do now. We have so many decisions we have to make that we get overwhelmed and we end up spending money on things. And then the bills become automatic where they're debiting our checking account or whatever every month. And so I really try to get people to focus on controlling those expenses.

Understanding with the big ones, you know, housing and cars, how those can eat up too much of your wallet. And then with the regular spending, how to get those things under control where you don't just set them and forget them. You pay attention to them so that you have more money left at the end of every pay period. And of course, that's where we're completely aligned. And, you know, why people that are fans of Clark Howard are often fans of Dave Ramsey and vice versa. Now, what you are light years better at and always have been than I have been is you really dig up deals and you keep a good list of them and present them to your audience. I mean, you've got the ClarkDeals.com. You can just go to that website and find out a list of your deals, right?

Okay, so this is the angel on one shoulder, devil on the other. So here I am talking about spend less, spend less, spend less, and then I say, wait a minute, there's this great deal. You've got to know about this deal. So you don't look at the deals until you've got the other part together. But, yes, I love the bargains, and I love for people to know how to go when something is a deal instead of a pretend. Just because somebody says something's for sale,

how do you know it's really a sale and not a non-sale sale? And so I want people to be as efficient with their spending as they possibly can so that they free up choices in their lives. You know, I want people to not feel like they're having to work because they're facing a mountain of expense and bills and obligations. I want them to work because they love what they do. And then I want them to have excess money so they can put it to work in good ways in the world. So they tithe or they give to organizations that they care about, that they spend time serving others in whatever way works best for them. So having money available isn't with money being your guide. It's about living on less than what you make so that you can have the freedom to do more things that you enjoy and in service to others. And it works every time. Clark Howard is our guest this segment.

He is retired from radio but not from broadcasting. You can still hear The Clark Howard Show on podcast. Go to Clark.com. It's available on all the platforms. Be sure you continue to clark.com it's available on all the platforms be sure you continue to tune in and for those of you that for some reason have not tuned in prior to now i'll give it my hearty endorsement and say be sure you do that he and i have been friends acquaintances for a long long time we've been in the same space here in radio both trying to survive in a corporate world this

kind of cutthroat and both of us have survived and we have both prospered by delivering good solid content to our audience and helpful content to our audiences and just a good man he's also a huge philanthropist he gives and gives and gives and gives he lives he walks the talk for sure if i remember right did you and i not do a radiothon at a cancer hospital there in Atlanta? We did. We did. I do fundraisers for children's cancer centers in not just Atlanta but other places as well because, you know, when I see a child suffering from cancer, it affects not just that child but the whole family. And it just eats at my heart as a father of three children. I remember touring that thing i remember

touring that hospital with you and meeting some of those kids some of those kids that were going through that and their parents and oh you just go there with your stomach in your throat it's amazing it was an honor to get to work on that with you so i want not not just the money that i'm able to raise i also want to raise. I want people to know the phenomenal people who work as nurses and doctors and other people in hospitals who take on one of the most difficult tasks of all, which is to get attached to a child and watching a child suffer, and, I mean, that is a very special kind of human being who chooses to work in a children's cancer center, and the great work they do. Do you know the survival rate of children's cancers now is above 80%, and if you go back two generations ago, it was only 25%? Yeah, they really, really are beating it.

It's pretty amazing. Pretty amazing. Well, Clark, thank you for taking time to join us. Congratulations on your partial retirement here. Thank you, and continued success to you and to the people who watch me on my various TV affiliates around the country. I really am as ugly as I look on TV, but that's okay. The information's beautiful. All right, folks.

Be sure to tune in to Clark Howard, The Clark Howard Show, anywhere you listen to podcasts. You'll be glad you did. Congratulations, my friend. Thank you for taking time to come on. Sure, and continued success to you, too, Dave. God bless. All right, this is The Dave Ramsey Show. Over the years, I've heard countless horror stories from listeners about being harassed by debt collectors, receiving calls at work on their cell phones, and some even getting yelled at and threatened.

That is not okay. There are laws against this. And there are people, attorneys, that can help make this stop if they are in fact breaking the law. Go to CollectionBully.com to learn more. Fill out a quick questionnaire that will identify if you are a victim of this type of illegal harassment. That's CollectionBully.com. Chris Hogan Ramsey personality is my co-host today open phones at 888-825-5225 that's 888-825-5225 Brittany's in Amarillo Texas hi Brittany welcome to the Dave Ramsey show hi Dave it's such an honor to speak with you. I loved the reset last night.

Thank you. Glad you watched. I appreciate it. Hogan did a great job, didn't he? I can't even say how much I loved it. It was wonderful. Well, thank you very much. I appreciate it. How can we help today? I'm hoping that maybe you can

help me decide if I should delay going to school for one year to save up money or if I should just jump in. A little bit of information is I'm a 28-year-old single mom, and I make $40,000 a year. I'm in baby step three, and I have $4,000 saved. And I've been cash-flowing school part-time right now with grants and different things, but I'm pursuing a degree or a career in dental if I should just go and try to cash flow and work like crazy while I'm in school. Okay. Can you cash flow the school and your life if you work like crazy and go this fall? And have a relationship with my daughter maybe i don't i don't think

i'm not sure how long is the school it's two full years um how old is your daughter she's three yeah Yeah. Okay. And I'll have, the initial cost is going to be like $11,000 at the beginning of the first semester, but it goes down after that because I have to buy, you know, a $7,000 kit and things like that. So that's why the initial cost is going to be more than what it will cost for the rest of the program. Okay. So your concern is the only way you can cash flow it is a lot of hours of work in addition to going to school. Yes, and I'll have to quit my current job because the program...

But if you wait a year, what happens? What changes? You're going to have just a pile of cash you could live on and you wouldn't have to be gone so much working. Yes, I'm just scared that I'll lose some momentum because I've been going and I've been believing in myself enough to get through. I'm just scared that I'll quit. I don't think you're going to quit.

Now, you sound motivated. You sound very, very focused on not only doing something for yourself, Brittany, but also for your daughter. I really want. I can hear it. I can hear it in your voice, the passion. Do you have a support network around you to help you with your daughter? Yes, I do. Okay.

A great one. That is good. My parents are here, and I have a really supportive boyfriend that believes in my dreams as well. Mm-hmm. Mm-hmm. Okay, so you're going to quit your full-time job, and you're going to dental hygienist in the fall, and you're going to work a part-time job to pay bills while you're going to school, right? Yes.

Doing what, and what are the hours? I don't know. I assume I've had working retail somewhere, like just somewhere working nights and weekends or being a waitress or something. Yeah, okay. I think if you solve that part of the equation and have more detail, it could give you peace. Let me give you an example, okay? Let's pretend that it was neither one of the things you mentioned, but that the new part-time job was something where you made better money than those two things,

and I'm making this up in my head, but also you had control over your time. Maybe it was a little bit of a small business idea. Maybe you were, what do you do now? I'm an administrative assistant for an accounting firm. Perfect. Let's pretend that you were an off-site, let's open a business called Virtual Administrative Assistant, and you are going to become an administrative assistant for three different small businesses that cannot afford a full-time one.

And you're a part-time for all three of them. But it does not require you be answering the phone during a certain time of the day. It just requires that you get administrative assistant work done, which, by the way, you could do after the three-year-old went to bed. Okay. And you'd make more than you will in the dadgum retail. Yeah. Ugh.

Yeah. I'm just making this up. Right. Yeah. I'm just making this up. But what my point is, is if you had something like that mapped out that you believed was real and you start working towards that, I think a lot of your worry and stress about abandoning your child, which is where the tears are coming from, is going to go away. Yeah. away yeah but if you have to work 40 hours a week at retail just to barely scrape by because you're not making any money and your schedule is at their beck and call they own you then you are going to have a real stress point with the baby right right oh yeah and so let's just take that off the table either design something where you control your time and you make more money as your work through gig or you wait a year okay because you're not gonna quit britney what baby step are you on right now

i'm on baby step three and i have four thousand dollars okay okay you are on three okay i don't think i even if you delay it a year i don't't think you're going to give up. I really don't. I think, you know, I what I would ask you to do, though, is get certain about what it is you want to do and then begin to make the sacrifices necessary so you can get there. Let me tell you what I know about people in your situation. I've worked with single moms for 30 years uh and they uh they never think not not never but the they work so hard there were so many jobs just to try to get by and they never think they're doing as good a job as they are and lady you're a warrior and you don't even know it. And you're doing so much better as a mom and as a woman than you think you are. Because you've just been a raw nerve for so long that you forget how good you are. And, man, I tell you.

And the other thing I got is I got a whole building full of millennials, and a whole bunch of them were raised by single moms, and they all stand up and salute their warrior mom including chris hogan yeah without a shadow of a doubt you know it's one of those things where let me be the first to tell you britney if you hadn't heard it you're doing a good job amen you are doing a good job and keep being that role model for your daughter because i'm going to tell you what the what you deposit in that little girl right now are the things that she'll begin to amplify and replay in her head and in her heart and that's the stuff that she'll begin to believe about herself and more importantly about the mom that raised her so keep up the good work keep your priorities in order and keep people

around you that believe in you and and and and remove those that don't hadn't thought about it but you and christy right hmm yeah both warrior both birth raised by warrior women yep without a doubt i mean uh christy's mom running a bakery yep and your mom raising two boys working as a nurse yeah no it's just uh i mean it it is it's a feat and it and it goes unsung, it's a feat. It really is. And it goes unsung. And it's not anything you'd sign anybody up for. No. I don't think. It's not the way to go.

No. It's not like something to aspire to. But when you're there, the way those ladies rise to those occasions and fight their way through. That's exactly right. It's pretty stinking amazing. Very well done. You're going to be okay either way. I think if you design a better

job that pays more and you control your time more, something like I outlined, you're going to get a lot more peace and you're going to go on and go in the fall. This is the Dave Ramsey Show. Thank you. Picture your life with no credit card debt. No medical debt. No student loans. No student loans.

No car payments. Can you even breathe that in? How much better would you feel? After 2020, most of America feels the same way you do right now, stressed and out of control. But this year can be different. It is time for you to take control of your money, to insulate yourself from all the crap going on out there. And the best way to do that is the Ramsey Plus money reset. It's our challenge for anyone who starts Ramsey Plus this year.

How much progress can you make on your money if you went all in for 90 days? Game on, baby, for 90 days. All in to paying off your debt fast and finally saving for emergencies. With Ramsey Plus, we're going to show you ways to get daily small wins with your money and even some really big ones, but when you add them all together, it's big. And you're going to be making progress maybe for for the first time in your life, on this money stuff. We're going to help you turn those wins into lifelong habits. This year, you can just decide to reset your money.

You can go all in for 90 days and take control of your money. Make today day one and start Ramsey Plus for free. DaveRamsey.com slash reset check it out davramsey.com slash reset and all of that of course is off the reset event that we did last night with chris hogan craig groschell rachel cruz and you can still watch that it'll be up for a few more hours it was live last night. 240,000 people registered to watch it last night. It was the number two thing on YouTube in the world. That's mind-boggling.

I mean, that is absolutely fantastic that you had that many people plugging in, getting this kind of information to kick off this year the right way. And what we're not going to do is sit around and wait on someone to save the day. As I've been telling people for years years let's get your own cape and when you have a system that can help you like ramsey plus that is part of the process and there's a cape shortage in washington dc yeah here i'll give you six hundred dollars did that change your life if six hundred dollars changed your life let me help you with this your life sucks it didn't change your life even if you're unemployed you're having trouble making ends meet and you're struggling six hundred dollars doesn't change i mean all it does is just give you a half a second of breathing room and you're right back in the soup and then they

walk around strutting around up there acting like they did something. They didn't do anything except run this nation further into debt. Unbelievable. Unbelievable. All for the political aspect of I did something for you, so you need me. We don't need you of either party. We don't need you. We don't have to have you. So you've got to get yourself in that kind of position where that kind of attitude is possible.

If you're sitting around waiting on the government to fix your life, your life is always going to suck. Eli is with us in Chicago. Hi, Eli. Welcome to the Dave Ramsey Show. Hey, Dave. How are you and Chris doing? Great, man. How can we help? Man, you know what? I hope you guys have more than a minute to talk because I got a bone to pick with you two. I'm in a mess because I followed your baby steps. Like you said, I was able to buy my house cash, and then I sold some of my real estate properties,

and I have $500,000 now in cash, and I don't know what to do with it, and this is all you and Chris' fault. Yeah, I hate it when this happens elia i apologize buddy i apologize i and by the way right off the bat i want to say i watched your uh show last night it was phenomenal chris i love when you kick on your kids yes thank you thank you thank you all right so do you have any rentals left do you have any debt left at all so so no i'm 37 years old and i'm going to get a pension with the city. I work with the city here in Chicago. Like I said, my house is worth about $400,000.

I paid it off in cash. I have $500,000. I'm trying to figure out if I'm behind. Why did you sell the rental? So in Chicago, I'm so busy with my job and my dad passed away recently. So I've been helping my mom out a lot, so I didn't want to overwhelm myself. So, so I just, so I have home. So I saved up all that, you know, cash that I had bought a house for my wife and I, and

then anything I had over with the real estate, like I have it sitting, but I don't have anything saved for retirement. Those were supposed to be my retirement, the building. So now I'm trying to see if I'm ahead or at 37 years old or am I behind a little bit. You either are or you're almost a millionaire. Yes. So you're ahead. You're a 37-year-old everyday millionaire.

Okay, so the question is this. You don't want to buy more real estate because it's too much hassle because you have so many things going on right is that right okay then i only do two things with money eli and so i and i don't ever recommend i don't tell people to do stuff i'm not willing to do so i don't get fancy with it one of the things i discovered when i first started talking to rich people after i went broke 30 years ago was the stuff they do is they put money in things they understand, and they are not concerned about you being impressed with their sophistication.

They put money in stuff they know something about. That's right. And most of these guys that have anywhere from $1 million to a $20 million net worth, they are not fancy with their investing. It's very pretty straightforward. And we found that again when we surveyed all these millionaires in the $1 to $5 million range in particular. So what I'm going to tell you is mutual funds since you don't want to do real estate. I only do mutual funds in real estate.

That's all I do. And so if I woke up and I was in your shoes and right now I didn't want to screw with real estate, I just need to get some money working for me. I'd put it in mutual funds across the four types we talk about. Without a doubt. And Eli, I'm proud of you for making the sacrifice to be able to free you up to be able to help your mom. I'm sorry to hear about your dad passing, but you're right. When you get, when you make a priorities, you make decisions, you make sacrifices to match them. And that's what you've done. And so, my friend, I'm going to tell you something.

Don't overthink this. Get connected with the SmartVestor Pro at 37 years old. You are an everyday millionaire. Let's grow this money. Be intentional about what you're doing. But here's the thing you're going to have to do. Here's the word that's going to be the difference between if you become a multimillionaire or not, and that is playing defense. You've got to be smart and go cash only.

And if you want a truck, save up and buy a truck. You want a boat? Well, don't buy a boat. But just be smart. Be intentional. But don't go backward for debt for any reason at all, and you're going to be on a great path. See, if you take 500 and it's invested in mutual funds, and they make 10% to 12%, it's roughly going to double every seven years. You're 37.

At 44, it'll be a million. Yeah. At 51, it'll be 2 million. At 58, it'll be 4 million. I think you're going to be okay. He's going to be okay. If that's all you do. That's right.

That's what I mean by not fancy. Right. You're not constantly screwing with it. You're not going, oh, it's out of sync. Oh, there's a problem. If you just put it in there and set it and forget it. Leave it alone. Look at it.

Watch it, obviously. But I'm saying you don't have to constantly be, like, every day fretting over where this mutual fund is and all that. Looking it up online. If it does what the market has done over its history, that's roughly what's going to happen is every seven years or so it's going to double. And that's if you don't add anything to it. Right. And if you don't take anything out.

That's right. And that's what I was saying about not doing stupid and staying allergic to debt. Because the thing we know about debt is that it's needy and greedy. Right? It's needy and greedy, right? It's needy and greedy. He's away from that. He's on it. He's done.

Just don't go backwards. He's done. Stay focused. Don't let stupid sneak up on you. It'll sneak up on you. Sounds like a good deal. It ain't. Yeah. And you know when that happens is what I was addressing earlier for folks is there's something there's this allure that if

it's not complicated or uber sophisticated it must not be good yeah like like we think the rich really do no secrets we don't know or something and they really don't yeah no all they did was what you already know they just did it a lot boring and they do it consistently the consistency yeah craig was talking about consistency last night. Yeah, oh, he did. Listen, if you've not watched the Reset talk, get over there and watch it before they pull it. Dave told the story of the pigs.

You gotta hear it. And Craig Rochelle did a great job as well. Man, well, and then there's Hogan and Rachel Cruz. It was an all-star lineup. Yeah. Love it, love it. That puts us out of the Dave Ramsey show in the books. Thanks to James Childs, our producer. Madison filling in for Kelly today. This is the Dave Ramsey Show.

This is James Childs, producer of The Dave Ramsey Show. You can listen to Dave, Rachel Cruz, Chris Hogan, or the rest of the Ramsey Network anywhere with the Ramsey Network app on your smartphone. Catch all of our full shows, browse by topic, or send clips to your friends. Head to the App Store and download the Ramsey Network app today.