The Ramsey Show - App - It's Hard To Start When Everything Is Spiraling (Hour 1)

Episode Date: May 14, 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. I'm Dave Ramsey, your host, number one best-selling author and host of The Ken Coleman Show, Ramsey personality Ken Coleman. He's my co-host today as we talk about your life, and that includes your job and how you make more money so that you make this whole wealth-building thing work. Open phones at 888-825-5225. Lou starts this hour in Fort Myers, Florida. Hi, Lou. How are you? I'm so good. Thank you so much for taking my call. How are you doing?

Better than I deserve. What's up? So I am 28 years old. My husband and I also have four children, our youngest being almost two. So I, about two years ago, I graduated with my bachelor's degree, started at a job that I love. My husband makes about 55. I bring 50 plus. We've gotten ourselves into some crazy debt. And I've been following you for about a month now. I had no idea what to do with my finances. Asked my dad. He gave me your book. But I'm still, I feel so lost because at the end of the month, we're still short 500. So I don't know how to piece this back together. One thought was maybe selling our home. We can probably get about 75 to 100 grand more than it's worth, put it towards a new home and

pay off our debt. But I don't know what solutions we have right now. Okay. So where's your husband? Why are you doing this by yourself? He's not so great with money. Neither are you. I mean, I'm not either. No, no, I'm not either, but I'm, like, driven to get this back on track. Yeah, okay. Well, drive right up into his face and tell him he's going to help.

Right. We are going to fix this mess that we made because part of what you're struggling with here is you're carrying the emotional burden of the financial stress all by yourself. And that really causes your brain to get cloudy and you can't see stuff. So you've got to be working on this together as a team. I'm not expecting either one of you to become financial geniuses in 22 seconds. That's okay. I wasn't either when I went broke.

I've done stupid. I've got a PhD in DUMB. I know what it looks like, okay? So it's okay to not know, but it's not okay to not participate. Right. So the two of you together are going to lock arms, and here we go down the yellow brick road ready how much debt do you have um when i put it all into my little spreadsheet i made

um it comes out to 40 almost 42 000 before my student, and my student loans are $20,000. Okay, what is the $42,000? Break it down for me. So we have my vehicle. We owe on a couple credit cards. Wait, wait, wait. What do you owe on your car? I owe $20,000 on my car. We owe $20,000 on the car I drive.

Okay. And then you have credit card debt of how much? The credit card debt all comes, it's probably the majority of it to be completely transparent. Well, you said you had 42 plus a 20 student loan, right? Yeah. So that means another 22 in credit card debt. have you got anything other than credit card debt car debt and a student loan um no okay just lots of credit cards okay cool all right well that's because you've been living crisis to crisis and every every month credit card saves your butt exactly and like with if we can't make a payment goes on the credit card and you figured out that this is not sustainable you're going to end up hitting the wall eventually and exploding. So that's a very wise observation on your part.

This is not a sustainable methodology. All right. So $60,000 in debt, including your car, 62, and your student loan and everything, and you make $100,000, and you have four kids. Okay. Now, how much is your house payment that is 1850 a month that's okay all right not great but okay okay so here's what here's what we're gonna do we're gonna we're gonna start fresh pretend like you were doing this with a blank yellow pad

and the first thing i want you to do is write then are you have you guys been getting a tax refund minimal but yeah okay then that that's not the answer okay uh i would stop all investing anybody putting any money in a 401k um yesporarily. Because you're actually funding that with a credit card right now. Because you're not bringing the money home, so you're short. So, you follow me? Yes. Okay. So, then what do you do for a living?

I work for a government. And your degree is in what? Public safety. Okay. work for a government and your degree is in what public safety okay so you work for law enforcement or in the um in an investigative role okay all right and um your husband does what he does um construction good okay so here's the general rule of thumb. There's three things you can do to get this working. One thing you can do that'll help get it, if you will get organized and do a detailed budget on the EveryDollar app that I'm going to give you for free, okay? I'm going to give you the premium version for free. I'm going to pay for it. And you and your husband sit down

tonight and you give every dollar that is coming into your house before the month begins an assignment. And obviously, we're not going to plan to be 500 in the hole. We're going to plan to break even and then we're going to stick to the plan. But what's happening is you're living from crisis to crisis rather than by a plan. When you do a detailed plan and both of you are in agreement, because he's going to help or I'm going to kill him, okay? He's going to help, all right? So he's got to help. That's part of his job.

He doesn't have to become a financial genius, but he's got to sit down with you. And the two of you got to look at this. This is sixth grade math. Anybody can do it. Now, it's actually fourth grade math in most schools. So it's addition and subtraction. So we're going to put the number that we make and take home at the top of the page. We're going to give every one of those dollars a name.

Getting organized will make you feel like you got a raise. Getting in front of it instead of trying to catch up from behind it. Telling your money what to do instead of wondering where it went, you'll feel like you got a raise that's thing one thing two is you're going to stop all spending you're not going out to eat ever again you're not going to be in a restaurant unless you're working there you're not going on vacation you ain't got any money you're a broke people okay broke people don't go on vacation broke people work and you got to work to get this mess cleaned up for a while. Okay?

And then the third thing is, and Ken, this is your turn after 13 minutes finally. You know, the third thing is your husband has a wonderful career called construction, and he can go make a ton of money right now, extra money, working extra. And she might be able to as well. Could she do some private investigation work? I don't know what your limitations are, but both of you have got to say, what can we do to bring in more money? If you do what Dave said and you pause the 401k, you immediately have a raise. So now we've got margin, but he needs to be working weekends, nights. He's picking up any kind of laboring work

that he can do to see if he can generate a thousand, fifteen hundred dollars extra per month. Makes serious money right now. And so that's how we actually fund going through the baby steps. And let's knock out some of these credit cards. Consider selling the car. We didn't have time to mention that. If you have any kind of equity in that car, I would sell that car as well. And that'll really fast forward the situation. Yeah. In income up, out go down, and get organized. And this will work for you. Hold on. Ken Coleman Ramsey, personality, is my co-host. Open phones at 888-825-5225.

Thank you for joining us, America. We're glad you are here. Jake is with us in Nashville. Hi, Jake. Welcome to the Ramsey Show. Hey, guys. How are you? Better than I deserve. What's up?

Okay. So I am getting married to my fiance in October. Congratulations. Thank you. Thank you. How old are you? I'm 28. Cool. How old is she? She's 28. Awesomeness. Good. Yep. So I am marrying into $100,000 in student loan debt. She is. She is awesome, isn't she? Yeah. Yeah, awesome. I have a home that has about $100,000 in equity in it. And she has an opportunity to move to Dallas to kind of further and kickstart her career more and kind of help build out an office there.

I don't know if that's the best way to go. Other than that, we only have about $20,000, $21,000 in debt, and that's just two cars. So really, it's just student loans. So $21,000 in cars and $80,000 in student loans? No, about $100,000 in student loans? No, about 100,000 in student loans. So 120. Yes, sir. Gets you out of debt. Yes, sir. And you make what? I make 55.

What is she making or going to make? She makes 105 right now, but that can grow. There's a bonus coming up this year, so she'll just kind of grow more from there. What does she do? she's in technology consulting so if she goes to dallas what are you going to do in dallas oh well that was the thing so i'm in it support so i kind of i i just got in about two years ago into it support so i'm kind of growing still so let me get this straight your wife is IT, and you're here to support her. I see what he did there.

Did you see how he did that? That was impressive. That was quick. Are you open to moving to Dallas? That's the question that I'm trying to dig into. Yes. Okay. Is this settled? Is this the plan? We're like 90-10 on it. I mean... If you don't

go to Dallas, what's she going to do? She's going to keep on doing what she's doing. Dallas would let her be in an office more, and she's fully remote now. So being there, she'd be in an office more and be able to be out and network more. Will she get a bump? Will she get a bump? Will she get a pay bump? It wasn't stated that she would exactly, but it would say that she would move progressively faster.

Okay. That's a little weird. She didn't get a job. Did she get a job offer with an actual? No, no, she's already working for them remote, but you're saying by being in the office, by moving to the home office and moving into the office, she'll have more opportunity to move up. that right exactly okay so you're not changing companies i'm sorry i assumed okay gotcha gotcha gotcha all right so now she's working remote to it for

a company that is in dallas so sell the house if it's here yeah if you're going to dallas the house is sold either way even if you weren't broke i'm not keeping a house in nashville no no exactly and that was a thought where they were like we could rent this no no no you're broke you're 120 000 in debt you're not a landlord yeah yeah yeah exactly yeah sell the house um pay off a bunch of the debt finish paying off the debt raise your right hand both of you and swear we're never borrowing any more money and then we're going to start saving like crazy to for a down payment because we're going to be renting in dallas that's that was my next question renting in dallas is probably the best thing to do it's the only thing you don't have any money and you're in debt exactly yeah so i mean you know unless you want to go into some stupid plan or something

with these houses i mean you can do that but no i mean you're the house won't even clear the student loan and the cars no no it won't so you've still got to clean up the cars or whatever is left on the student loan whichever way you go at this i probably pay off the cars first and then the rest the chunk of the student loan and then that last 20 000 student loan you push on through it when both of you are in dallas making 150 000 a year renting the cheapest possible thing you can find you're broke newlyweds it's okay you got nothing to prove dude go rent a garage apartment out back of some rich old lady's house for 500 a month and you cut her grass something like that right that kind of deal because this is this is we're getting started with our married life finishing up getting out of debt saving up a big down payment to get us a nice home later. This is what we're doing.

We're not trying to rent something. Everybody's like, oh, this is a really nice place you rented. Translation, you're going to be there a while because you spent all the money on rent instead of saving up for a down payment. Yeah. I just feel like right now where we should be is we should have more in the bank than we do. We only have our $1,000 emergency fund, and then everything else is getting thrown at this wedding. And so we're even doing DoorDash and Uber Eats on the side

just to try to get more coming. Good, good, good. All that's good. And, you know, as you approach the wedding of October, I mean, I guess 1st of September or middle August, we put your house on the market. Yeah. You could end up homeless for a short period of time, but you can survive that.

Yeah, we could probably live with family or something here. Yep, yep, yep, yep, yep, or roll the wedding up or something. I don't know. Probably not. You probably got everything booked and all that. But, yeah, anyway, yeah, yeah, sell the house, get out of debt, restart, and save up. And honestly, the fields you all are in, your side hustles ought to be tech, not door cash.

I was just here to say, you know how many small business people can't afford a tech person? But if you start telling everybody that you know in Nashville and in Dallas when you get there that you do contract, buy job tech support you can make way more money per hour with your expertise than you can driving around delivering somebody chilies yeah unless we're unless we're in the tech field those of us that are entrepreneurs are what's known as clueless we have a tech department here at Ramsey. One person's full-time job is fixing stuff I break. That's how bad we entrepreneurs are, okay? So it's like I can't work this thing.

There's something broken on my phone. It's because, Dave, you pushed these seven buttons in the wrong order. Well, screw it. Fix it. And so that's what we do around here. And so guys like me are everywhere, dude. Ken's right. Exactly right.

I'd be putting that on Facebook, social media, everybody you know at church. You wouldn't believe. You might have some old farmer go, you know, my grandson stopped doing this for me five years ago. There's small businesses everywhere that need basic tech support and the amount of money. Better than delivering chili. Yeah. That's a no-brainer. Same thing with your life.

And while we're preaching about making more money, when you get to Dallas and you get out of debt, I would be looking at Bethel Tech, BethelTech.net. I endorse them. They've got a nine-month program. Ramsey listeners can do it for less than 15 grand. And here's why I'm telling you to consider it. Just talk to them.

But multiple opportunities for somebody like you to go from tech support to move into coding uh data analytics ai uh cyber security i mean i just named three fields in technology that have a quick path to six figures yeah they're all 100 grand and above entry level so you know i would be looking at increasing your income now you two are looking at making you know, I would be looking at increasing your income. Now you two are looking at making, you know, $200, $250 pretty quickly, and you've made the oath. Dave had you raise your right hand. So now you're building wealth quickly.

You did it, man. You can do it. Congratulations on the marriage, man. Hang on. I'm going to put the two of you through Financial Peace University. If you promise, Kelly, that you will take the class, I will give it to you for free along with every dollar premium that's our wedding gift to the two of you all married couples that are listening right now

go god i wish i had known that when we got married so we're gonna give it to you so that you know when you get married so go do it dude seriously it's free to you hang on miss kelly will pick up and get you signed up and get you going. So good question. A lot of opportunity in front of them. They have a lot of upside on those careers. I want to make sure that young people caught what you said there. It wasn't Dave just being fun. This idea of selling a house and getting a huge chunk of their debt out of the way,

we're excited for them, and it makes sense because they're moving. But if you don't change your behavior, all you're doing is just filling up one hole. And before you know it, you'll be digging another. It's very important that you go never again. We're not going to do this again. And not just use the convenience of a house sale to bail you out. You got to be careful with that. Exactly. And the answer changes if you were staying in town because the last thing I'm going to sell is your house. I'm going to sell everything else you own before we try that. This is The Ramsey Show.

Ken Coleman, Ramsey personality, is my co-host today. Thank you for joining us. Well, the book that we did, The Total Money Makeover, is 20 years old this year. Taylor Swift was starting her career. The iPhone was not yet invented. Some of you weren't born. And this book came out, and uh wow now we've sold over 10 million of them helping people get out of debt and build wealth and so we're celebrating the interesting thing is the total money makeover has had several makeovers through the 20 years um i think we're on the fifth or sixth edition now a couple years ago i swore I wasn't going to do another edition,

and now we did the 20th anniversary edition, so I lied. But, yeah, so a new edition, a brand-new edition, with cleaned up all the statistics and everything's current now and updated and expanded advice on mortgages and car loans, investing for retirement, paying for college, buy now, pay later, traps. And if you like audio books, I sat down and re-recorded this. It had not been done in 20 years. So the audio book is now current again.

And for the total money makeover, 20th anniversary edition. And every book includes three months of every dollar premium for free. There's a QR code in it that you can scan. Oops, I just told you a way to get it for free without buying it. Oh, well. If you see it at Barnes & Noble, just flip it open and hit the QR code, and you'll get three months free. And then put it back on the shelf.

Don't buy the book. No, I'm kidding. That's what I just did, I think. But anyway, yeah, okay. So marketing guys are going to love me. RamseySolutions.com, slash slash store or anywhere great books are sold. 20 years' worth of success stories are cheering you on. The Total Money Makeover 20th Anniversary Edition.

Katie is in Indianapolis. Hi, Katie. Welcome to the Ramsey Show. Hi. Hey, what's up? I don't know about the baby stuff, but I was wondering what should I do. I'm currently homeless. I have three kids.

I'm 27, and my annual income is $28,800. Okay. You don't need to do anything about the baby steps right now. We've got to get you in housing and get food and lights covered, and then we'll worry about the baby steps you're drowning right now uh where are you living in your car or what yes um it's in my car and then every now and then family lets me stay there with the who's got the three kids my grandma does. Okay. And so they have a place to live. You're in your car sometimes. Correct.

Okay. How'd you get there? I was in a very toxic relationship, and it was time for me to leave. Okay. And when you make $28,000 and you don't have any rent, where is your money going right now? Well, most of it is to help my grandma out with my three kids. Why are you not staying with grandmother, and why only the kids? She feels as if I need to learn a lesson from this say that again she feels she needs to learn

a lesson so grandmother said you need to learn a lesson i'm not taking you in correct okay you have no other family or friends that you can uh crash with until you get some stability um no i don't have friends. With the toxic relationship, I wasn't able to talk to nobody. I was always allowed to go to work and come back. So your grandmother told you not to get involved with this duper, and you did? No, she didn't really say anything about it. So what lesson is it you're supposed to be learning? I'm confused

that i need to make better choices well that's freaking brilliant okay um no kidding what's your job tell us about your job. I work as a machinist. I do CNC operators. I've been there for a year now. For who? Is it local? I mean, excuse me, is it private or is it public? You're a machinist, you said. Yes, it's a machinist.

Okay. It's for, like, it's a foreign company. They work out of Japan. Okay okay but they're locally here okay what are you making per hour twenty dollars okay and how much how many hours are you working a week um 40 okay what are you doing with the rest of your time the rest of my time i'm usually just trying to figure out places and programs to help my situation yeah good for you okay all right so the first thing is we've got to get you um into a little apartment and get with your kids and you take your kids life back over and

quit giving your grandmother money who wants you to stay on the street that's asinine um so you know you need to get your family back together and get in a situation if she wants to watch them during the day that's fine while you're at work but you need a home and a place to land obviously and we got to get you sustainable and back up on your feet and we'll help you with that and help you get going okay um are you associated with a church of any kind there in Indianapolis? I'm not. Okay. All right. What I'm going to do when we get through talking in a minute is I'm going to put you on hold and Kelly's going to pick up. We're going to put you with one of our

Ramsey coaches and in the area, and it's not going to cost you a thing. We're going to pay for it and help you. Okay. They're going to get plugged into the to a new family called a church because you need some extra family based on the ones you've got um and um then if you want to work out with your grandmother to watch your children while you have a place to live that's fine your new family then can come around you and help you get into a new place have a church come alongside you and help you get a deposit and get started and then because i think if you were in and paying rent making 30 000 on something cheap you could make a do do you yes i do okay we just got to get you started it's just hard to get started because right now everything's everything's just spiraling

right yes absolutely and it's like really hard because i feel like when i feel like i got something figured out or i'm going forward it's just like 10 other things just come at me yeah that's generally the way it is yeah these is this um and and you know you've had a really tough couple of years here dealing with some guy who told you you weren't worth anything yeah yeah and you are worth it that's right okay um thank you everybody has made bad choices including your freaking grandmother um so including me and so we're going to help you and we'll get you plugged into a church and and them and our coaches will help you get into a little place some way or another and help you figure out how you can sustain that then. Then your first goal, Katie, is simply this.

I just want you to get in the rhythm of living a sustainable life. What that means is you make enough to buy food, rent, lights, and clothes, and gas in the car. That's all I need you to make. That's right. For right now. If you can just get the rhythm of doing that, if you simply could exist with a little bit of wiggle room for six months and you had your own place, your own food, your own kids, that would be a huge leap from where we are today.

Agreed? Agreed. I absolutely agree. Then later we'll worry about a total money makeover. That's right. Right now we need to get back up to survival level. And, Katie, the number one thing our coach is going to help you with and you need to commit to doing what they teach you, is budgeting.

You're making enough right now to survive. You really are. If you start pulling back on what you're giving grandmother, okay? So really lock in. They're going to teach you how to budget. This is a massive gift. Yeah. And this is also going to give you confidence because right now you're suffering from a lack of confidence because you're kicking yourself kind of in the rear end about the decisions you've made. Right alongside your grandmother.

You need some confidence. Yeah, and ask the coach when you're meeting with them what a proper amount to allow for grandmother to watch her children. I kind of am a little bit afraid grandmother's taking advantage of you on the money it sounds like she's sucking up all the money which is trapping you or she ought to be helping you figure out a way to get up on your own after you made some bad choices that's what she ought to be doing and she's not so i'm a little worried about the amounts involved here hang on kelly will pick up and uh we'll help you get this going, kiddo. And you call us back if you need some help. Ken Coleman, Ramsey Personality, is my co-host. Today's question comes from Jennifer in Georgia.

My husband and I both work outside of the home and have two school-age kids. Prioritizing time together as a family is challenging with our current schedules. We've been alternating picking up the kids from school based on our work schedules. This is not ideal, and our employers are getting tired of it. Together, we earn over $400,000. The only debt is our home. I carry our health insurance through my employer. I was recently offered a position that will give me the flexibility our family needs.

However, it is an hourly position with no benefits at $63 an hour. Is it foolish to leave a well-paying job with benefits that I love in order to spend more time with the kids? My heart tells me one thing, my brain tells me another. Well, this is where I wish I had somebody on the phone, Dave. But if we are collectively earning over $400,000 and we like our work, the word love actually is used here, I am paying somebody to pick up the kids, maybe a college student or a grandmother. I just don't understand the problem here as to why we would leave a job we love when we have no debt except the home and 400K income, and the problem is picking up kids after school.

And that's the way this is laid out, Dave. So I think there's something more here under the surface, but I would not take the hourly position in this scenario at all. Yeah, she switched gears in the middle of the email. That's the problem. She sets it up as it's a work schedule thing. We can't pick up. We have trouble picking up the kids.

The employers are aggravated. But then towards the bottom, she says, is it foolish to leave a well-paying job with benefits that I live in order to spend more time with the kids? Right. So which is it? Because picking them up is not the issue. It's the second one, which is why she's asking the question. And so when somebody says, my heart tells me one thing, my brain tells me another, the heart is with the kids wanting flexibility.

The brain is going, this is foolish. And so what you have to do there is you get the head and the heart on the same page by laying out those two voices. I mean, there's two or three possibilities here, but it's always amazing to me that the first thing we do is we figure out the only way to solve the problem is make less right um that's not always the way you solve the problem so let's pretend that there was a third option if things are exactly as you feel like they are jennifer here's a third option. You change jobs to a job where you make more money than you make now and has the flexibility for you to pick up your kids. Huh. And thought of that, instead

we think we have to take a pay cut. No. Change jobs where you make more money and has the flexibility. But somehow we think in order to do work that i love or in order to have all work-life balance i have to make less always that's bullcrap bullcrap i believe you believe you me you would trade incomes with me and you know what my worth like balance is it's amazing i do whatever the flip i want whenever the flip i want and so because i built a life and built a career in such a way that it does that over a period of time so that that's what you can do i mean um and so you get to choose these things you're not trapped um the second

thing is you could just simply hire a nanny and or someone to do some pick up the kids and do some after-school care type thing you can afford it uh the third thing is every time not every time i always suspect every time i suspect when someone questions that they don't have enough time with their family i always want to put a camera in their house and see how many hours a month the television is on. Because that's not spending time with your family. That's spending time with Netflix. So throw a brick through your television and then see how your time increases with your children. It'll be amazing.

And lay your stupid facebook down and your stupid instagram down and your stupid tiktok down and quit going down the youtube rabbit holes and then saying i want to spend more time with my children i mean meanwhile i've got a screen stuck to my nose so i i know what the numbers are statistically nationally of how many times the average person looks at their phone 2500 times a day yeah is that bizarre it's like it's like it's like you're like you know if you just wash your hands that much you'd be in the hospital. Right. So, you know. The other thing I'd add to this, Dave, is I really want her to define what more time is. Yeah.

So once we define what more time is, then it may be a situation where she wants to be a stay-at-home mother, and that's the greatest job in the world. Big fan of that. At that point, you are taking a massive pay cut, but it's for a season, and you can always get back into the workforce. So this comes down to what are we prioritizing? What do we mean when we say more time with the kids? If you're saying I want 10 more hours with them, well, then that's utilizing weekends and nights well, as you're saying. So that has to be defined. Yeah. In 2022,

the average, according to Google, who knows everything, so I'm questioning that. But in 2022, the average person that is 18 years old and older spent three hours a day on television. Wow. Ta-da. I literally think of that when I hear that, Dave. I go, how do you find the time? If I run yesterday's schedule through between my work and my personal life i don't know how you find time if you go to bed at a decent hour that's probably part of it but i

go to bed early yeah i mean i'm not and i'm not saying this lady necessarily is but every time i hear we're going to spend more time with my children uh so i'm going to take a job making half of what i used to make i before i do that i would unplug my television and my facebook and my and all social media detox from the screens and see how much time you really are missing with your children because i i the average family in america is being destroyed by screens we know that the data is in it's out of control and um there's just man there's stuff everywhere on it so yeah and and yet we're on every one of those platforms talking to you about the stuff we do so we're trying to help but interestingly enough

dave i looked it up this is the 20th uh anniversary of total money makeover the best financial book ever written we talked about earlier uh facebook started in 2004 as well but came on late the biggest social media platform in the world better than the total money makeover did well yeahoneyMakeover did. Well, yeah, but it's still two iconic things. What's the kid's name that did that? What's his name? Mark Zuckerberg. Yeah, I've not got a Zuckerberg level of net worth. TotalMoneyMakeover just didn't keep up.

Don't cry for me, Argentina. Nobody's worried about your net worth. All right? Come on. This guy. This guy. He's done well, folks. Oh, my gosh.

Interestingly enough, myspace was the big platform yeah in 2004 where's that yeah crickets anyway yeah nobody knows but nobody needed that trivia but i gave it to you i did not realize that facebook was that young i thought it was older than total money makeover and facebook same age kind of fun to think about that means that we sold that book and put it on the bestseller list with no social media. That is correct. No YouTube. No algorithm. No, I mean, isn't that amazing? But there used to be bookstores back then, and we would go into your town and sign books at these things called bookstores.

And the television stations had local programs. People watched TV like 60 minutes. Yeah. They watched. There were newspapers back then, the actual paper. Oh, man, I miss the newspapers. I'm getting all nostalgic. local local programs people watch tv like 60 minutes yeah they watched there were there were newspapers back then the actual paper man i missed this paper i'm getting all nostalgic yeah it's um yeah nothing like black newspaper print on your fingers in the morning with a cup of coffee all right so what would life be back be like without a smartphone or facebook be great actually make it so well that's kind of what we're talking about with Ms. Jennifer here. I'm just saying. I'm not accusing her necessarily of doing that.

I'm just, every time I hear a question like this, that we can't find the time to spend with our kids, so I need to quit working as much. It could be true, but it could be that if you just never touch social media again and you never watch television more than an hour a week then um or a set movie for a week sure and i watched a movie the other night i hadn't done that long time really 99 of the time that's things sitting on the wall dark and we're reading a book but um but we're all farts i mean that's you know no question about no comment so next question please yeah that's it you know, no question about it. No comment. Next question, please. Yeah, that's it.

Take it from there. Was it on a service or was it cable that you watched the movie? That movie was on Netflix. Oh, okay. I don't have cable. You don't have cable? Yeah, I'm disconnected or whatever you call it. Wow, Dave Ramsey is unplugged, folks.

I'm unplugged. I'm just unplugged. Have you ever heard of the internet, Ken? Well, yes. Al Gore, Tennessean, created it. I'm just unplugged. Have you ever heard of the internet, Ken? Well, yes. Al Gore, Tennessean, created it. Yeah, I heard that. If you don't believe me, ask him. I got all kinds of random trivia for you today, folks.

Not why you listen to the show. That's just bonus. But it is about balance. And don't always assume that your only choices are negative choices. If they are, that means you don't have enough choices yet. Go get you some more options, Ms. Jennifer. This is The Ramsey Show. Thank you.