The Ramsey Show - App - My Girlfriend Prioritizes Fun Over Paying Off Debt (Hour 1)

Episode Date: August 24, 2021

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Thank you very much. Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show, where dad 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'm Dave Ramsey, your host, Dr. John Deloney, host of the Dr. John Deloney Show, is my co-host today as we talk about your life and your money. It's a free call at 888-825-5225.

That's 888-825-5225. Dr. Deloney, if you aren't aware, has an unbelievably popular show on podcast, on, of course, YouTube, and you can call into his show and be a part of it, or you can call him today if you've got questions about mental health, anxiety, boundaries, relationships, and all that stuff generally pops up on this show anyway. So we're here to help you with your life and with your money. 888-825-5225 chelsea is with us chelsea is in jacksonville florida hi chelsea how are you uh hi i'm doing good how are you

better than i deserve what's up um i just had a quick question first off thank you for your show and your principles and everything i cry every time i watch a debt-free stream i can't help it me too i've been doing it 30 years um i have a quick question so my husband and i are on baby steps three all of our debt is paid off we paid off uh the harley in december and that was the last of our car payment and any of our debt. We currently have our second baby on the way due in February. And my husband recently proposed the idea of selling the bike. And I don't know how I feel about it because I bought it for him as a wedding gift. And I've been trying to get him to sell the truck for years, but I never thought he would go for selling the motorcycle.

So I guess I'm just wondering what you think. Does he want to sell it for money? Yeah, just sell it for cash. I think he's maybe thinking more about, you know, family and two kids and potential for something bad to happen. So that's what I was wondering. Is he trying to sell it because y'all need the cash, or is he trying to sell it because, and I've heard of this.

I've had buddies that said, man, suddenly riding my motorcycle felt selfish. I got two little kids, and I'm putting myself in a high-risk category, right? And so I'm going to sell it because of that. But it sounds like that's why he's selling it. I think that's where his heart is. I think he's just thinking about it a little more. He loves riding it, and I feel bad him thinking about it, but now that he's mentioned it, now my thoughts are churning and thinking about, well, we could get our emergency fund all stocked up if he

sold it. So what's the bike worth? It's an 09 Softail. I looked online. Maybe about $10,000. Okay, and what's the two cars that you're driving worth? Right now, he's got a truck, an 06 GMC. Oh, gosh, I have no idea what they're worth. What's your household income? Household income is about $120.

Okay, so you can afford the bike. You're out of debt. You have an emergency fund. You have a $10,000 toy in the garage. So this has absolutely nothing to do with money. Right. It has nothing to do with money. So then it comes down to why does he want to sell it, and are you okay with that reason if his reasoning is what john is saying

that he's going i got two kids this feels i could lay this thing down leave her with two kids i don't want to do that it takes some of the joy out of the bike for now i'll pick up a bike later i'm an empty nester we'll buy two of them and tour the world in them you know and send the kids off to college and whatever but if that's his reasoning um if i'm in your shoes i feel pretty loved yeah i do he's a good man yeah but i mean if that's if that's his reasoning i don't think he needs to sell it for money you're it's not you don't have a financial reason to sell the bike if it was a boat and it was ten

thousand dollars and it was in the garage and you guys wanted to keep it and it's a toy and you're out of debt and you make 120 000 a year your total of all your vehicles is less than half your annual income which it definitely is then you know you don't have too much going on here with stuff that has wheels and motors, and you don't have a problem. And so, you know, and $10,000 doesn't change your life in the positive or the negative in your situation because you've done such a good job on all the other fronts. So I think it just comes down to what's his motivation, and are you okay with that? Because I think his motivation is forward-looking, and your sadness is due to the nostalgia of you gave it to him from the past as a wedding gift. She was surprised that he would ever sell a gift that I gave him one time. You know what I mean? Yeah.

And I get that. There's a little bit of that. But, yeah. But if it's, you know, we don't have him on the line line so we don't know what's driving this but no pun intended but um but yeah you just have to decide there what's what's going to happen and so the calls we usually take are the opposite yeah is he won't sell it he's got three kids and we need the money and he's being reckless and it's a 65 000 bike you know and so yeah that kind of stuff so i'm with you my first thought man, if he's selling it because he's starting to look forward and thinking, I need to go take up golf.

This guy's a stud. I was going to say, yeah, what a good guy. Tim is in Grand Rapids, Michigan. Hey, Tim, how are you? I'm great. Thanks, Dave, John, for taking the call. Sure. How can we help?

Well, my question is, my wife and I will be on step four, five, and six within a month or so. Wonderful. And, yeah, we've been working hard on it. We're behind in investing for retirement for our age. How old are you? And my question, we're both 40. Whoopee. And, yeah, I guess, yeah, 40 isn't so bad but you got plenty of time okay um i guess my

question is is uh should we do more than 15 percent of our income no no because i want the rest of it on your house get your house paid off that's the shortest distance to being a millionaire that's i was 70 sure you're going to say that you should have been 79.99 percent yeah i mean yeah because here's the thing if you run the math out it you know basically you're going to use the extra pile of money let's say you raised it to 20%, you're going to end up using that to pay off the house anyway. So basically what you're doing is investing in order to pay off the house. So let's just go pay off the house. Okay, well, good. And we only own 94,000 houses.

Oh, good Lord. And what do you make a year? Gross is about 120. Oh, jeez. Dude, pay your house off, man. You're going to be a baby steps millionaire by the time you're 50. And that reduces the retirement liability you have if you have no house payment. Exactly.

Ding, ding. Yeah, which is one of the big reasons we push you to get this done. So average person doing our stuff pays off their home in seven and a half years from the time they start and they become a baby steps millionaire on average in about 12 or 14 years and so and the paid off house is a big chunk of your net worth of course to determine your millionaire status head off man yeah yeah yeah yeah yeah, yeah. Good call, man. Thanks for calling. In an uncertain world, being a good steward of your money is more important than ever. While some circumstances can't be controlled, there are items within your budget you can take charge of, such as your health care costs. For nearly 40 years, Christian Health Care Ministries, or CHM, has provided a budget-friendly means of sharing for medical bills when our members need it.

Learn more by visiting chministries.org slash budget. That's chministries.org. Dr. John Deloney Ramsey, personality, is my co-host today. Open phones at 888-825-5225. Brian is with us. Brian is in Denver. Hi, Brian. How are you? I'm good.

How are you all? Better than I deserve. What's up? I just wanted to know if I should. I only work four days a week, 40 hours. That's all I can get until November when it goes to five days a week, but they shorten the hours till three o'clock. Should I get a second job or use that time to figure out, you know, a side hustle or, you know, what my passion is?

Are you working on getting out of debt? What's your financial situation? Yes, I'm on baby step two. Okay, so money matters then, right? Yes. So which one's going to pay you the most? In the short term, I'd say getting a second job, but in the long term, a side hustle, you know,

you can scale that indefinitely if you're good at it. What's the side hustle? I hadn't figured that part out yet. So I was going to start with a graphic design. I think there's some side hustles that you could make more this month on than working a part-time job. I mean, you could just, you know, if you decide, I don't know, I'll just make up something.

Let's say you have carpentry skills and you decide you're going to build decks. You can make more doing that this month than you can drive an Uber. Right? Right. But, I mean, because, I mean, you need a hammer and a saw and get your button gear, you know. But if you're starting a business that you're going to have to invest in for month after month after month after month, and it be six months before you start making an income, then to your point, yeah, you probably should take just a job because you need the money right now to get out of debt. And I think the magic would be linking the two.

Yeah. If you want to start a side hustle building, Dex, do you get a job at Home Depot learning how that thing works and talk to tradesmen? or if you want to start an ice cream shop do you get a second job at an ice cream shop but it sounds like you're not there yet it sounds like you just need to get to work in and get some cash in your door yeah but i mean there's a lot of side hustle small business ideas that make you more money than going down and collecting minimum wage somewhere and you can start them tomorrow you can go mow lawns yeah man. Yeah, exactly. You'll make money instantaneously. I mean, you get your leaf blower.

Rich people are afraid of leaves. They'll pay you to get rid of them. I haven't heard that. JT is with us. JT is in Spokane, Washington. Hi, JT. How are you? Good.

How are you doing? Better than I deserve. What's up? Hey, so I'm just at a bit of a crossroads with my business right now and struggling to find out what my next move is. Basically, I'm swamped with work. I'm just, I'm super busy. I'm working well over 40 hours a week. And the income that it's bringing in is just the right amount, you know, to put food on the table and live modestly. Right.

But I don't have any time to, we need to, you know, grow the income and and grow the business and, and, you know, obviously just advance and grow this thing. But I just don't have any time to market and really put a lot of time into the business rather than just the work. So I need to hire an employee, but I can't afford to drop my income by hiring an employee. So I'm kind of at this limbo just wondering, okay, how do I handle this and what do I do? What do you do? I repair dental tools.

You repair dental what? Tools. Tools. I thought you said dental schools. I thought, wow, dental schools. No, tools. Desperate need of repair. I repair those little itty-bitty drills.

Gotcha. Cool. Those are, I repair those little itty-bitty drills. Gotcha. Cool. Those are, I repair those. Okay. So if you had 10 hours a week freed up, you would spend that on marketing, which would result in more business, correct? Correct. Now, who would do the work when you got more business if you had that 10 hours a week freed up? Well, I would hire somebody and teach them to do a portion of the work.

Yeah. Okay. So here's my point. At this stage of the game, you are either going to hire someone to – you're probably going to hire someone and mentor them and show them how to do the stuff. And for a month or so, how long will it take you to get them up where they can do some work without you watching?

Oh, probably a month, month and a half. So you bring somebody on board, and you pay them for a month, and you make less that month by what you've paid them, okay you got the same income coming in you got the same output same number of drills being repaired correct for that one month and so you lose money that month over where you are today but then the next month uh the new guy you've now, you can almost double your output starting the next month. So you're going to let him do half of the jobs the next month, and you're going to spend that 20 hours out of 40 going and getting new business. And you're going to spend the other 20 hours doing the repairs from the new business that you came in,

and you're going to make a lot more in the second month if you can go get more business follow me yeah yeah you're not going to be you're not going to be a full-time marketer and have one guy doing repairs because right now you got one guy doing repairs that's all's your entire output. You have to increase your output of repairs in addition to doing the marketing. You follow me? Yeah. And so you're going to be working 50% on repairs in this first phase. Now, the next employee that you hire might get you out of the repair business

and full-time into running the business. You've got two guys completely cranking out two people completely cranking out repairs all day long while you're running the business in every sense okay making sure supplies are in you're getting new business in you're making sure the payroll is paid um and and it could be that you third person might be an administrative person. Okay. So that's kind of how I did it when I started. But here's the thing.

You have to take a step back to take these other steps forward. But what you want to do is do it very systematically so that it's a very precise step so that you don't want to go and it takes six months for this person to get up to speed on the repairs because then you're making a lot less money for six months. That's going to start to get really ouchy. So it's important to have some really clear metrics on is this thing in 30 days or 60 days, is this working or not? Yeah. And I'd want to know how much business is actually is the business out there a function of me not being able to go get it

or does it does it really not exist yeah right yeah you got to know that there's that many dental drills that you can get your hands on to repair right can you double is there enough business out there that you can double your volume right if you had a way to do it yeah and um if not then you may need to raise your prices. That's exactly right. And that'll slow your business down, too. But it'll give you an opportunity to make relationships with these folks. Yep.

If you're the only gig in town, it seems like a really niche operation there. Yeah, but there's a lot of dentists. Oh, yeah. And they all have lots of drills. Tons of them, man. It never ceases to amaze me. There's so many jobs I never knew existed. Yeah.

I mean. What a cool little business. Yeah. So I was sitting with one of our guys at lunch, and he went to a birthday party for his kids, and a guy has a foam machine. Have you seen these things? No. They plug it into a tub full of soap, and it blows foam four feet deep across the park,

and they give all the kids at the birthday party goggles, and they all run into the foam. That's incredible. It's like it's a bubble machine. That's all it is. And there's people in America unemployed right now. And Bubble Boy is over here making a fortune. And what that guy does, he's got a full-time job, and he just does this on Saturdays, I'm sure.

And he makes more. And he shows up with his machine. And he makes more with his bubbles. That's right. Than some of you sitting around waiting on your mama to fix your life. And he doesn't even clean up afterwards. He just leaves. Well, everybody's clean.

The kids are clean. It's soap. He's cleaning the park for afterwards. He just leaves. Well, the kids, everybody's clean. The kids are clean. Yeah. It's so. He's cleaning the park for America. It's for free. He cleaned the park for free. Guys, there's a job out there for everybody. For everyone.

I'm just saying, if Bubba Boy can figure it out, everybody ought to be able to figure it out. As long as there are garages in America, there should be no unemployment. That's exactly right. This is the Ramsey Show. dr john deloney ramsey personality is my co-host today on the debt-free stage right here at ramsey solutions lobby tyler and erica are with us hey guys where y'all from johnson nebraska all right what's that near omaha so hour near omaha okay well an hour's close in nebraska yeah so uh how much debt have you guys paid off uh 180 628 dollars all right 181 000 and your range of income, I'm sorry, how long did that take you? 17 months and 23 days. Whoa! It was 181 or 128?

180. 181. 181,000. And your range of income during that time? 77,000 to 100,000. Okay, so you didn't make 181 in 17 months, so you must have sold something big. We sold a lot of stuff. We moved. big we sold a lot of stuff uh we uh we sold we we moved we had a 150 000 loan on our house

and then we sold cars tractors trucks uh household items i mean we had 108 000 worth items we sold oh my goodness wow and then uh uh we uh we wanted to move um to the uhiocese, Catholic Diocese in Nebraska to raise our family. And so we started looking around at houses, and we saw a sign that said, you know, there's Divine Mercy Jesus that says, Jesus, I trust in you. And that was our sign that we needed to do this. And so we found a house in Nebraska that we liked. We bought it in cash before we sold our house in Minnesota. Oh, my goodness.

And then this is how awesome this was. We were worried about, you know, we knew we wanted to get down there, but we were worried about, you know, what job are we going to get and how are we going to sell the house. Well, we got a phone call from a friend. We didn't even list our house. They bought the house from us. Oh, my gosh.

And then I got a phone call from an old boss of mine. They wanted me to work for them again down in Nebraska. And so I didn't even have to go looking for a job. Wow. And so it all worked out wonderfully. So what do you do? I'm a engineer for hormel foods okay excellent excellent very what about you erica what do you do i was a special

education teacher but after we got married then i was a stay-at-home mom all right very fun good i worked briefly over while we were paying off debt okay so what that what was the $181,000 of debt on? So we had an unsecured loan of $20,585 for a CNC plasma cutting table that I did for a side business, which helped us pay off debt. We had a credit card with $6,000 that I used for new concrete in a building we had, and then we had our home loan of $154,000. Okay. So, and then you just sold everything in sight? Everything.

Wow. We worked, we sold, we did this plasma business selling decorative signs and mechanical parts. And then my wife worked at Home Depot to help pay off debt. And we just, we were able to get our... So, I mean, you guys just exploded like 17 months ago. Yeah. You changed jobs. You changed cities.

You changed your life. Yeah. What in the world happened 17 months ago that set you on fire like this? We had just gotten married. We got married September 2019. Oh, okay. And then I had already taken the Financial Peace University before we had gotten married. And I actually, when I took it, I didn't have any debt.

And then I married into some debt. Oh, okay. Now the story's coming out. Some debts, right? Just a little. Just a little. Married into some debt here. Just $181,000-ish.

I mean, it wasn't a big deal. But then I told him I wanted to take the class again as a couple, and he wanted to kind of do it Dave-ish. But you can't do it Dave-ish.

So we took the first class, and then we were both full bore Dave program, and let's go. Wow. And decided immediately just change jobs, change cities, everything. Well, it took a little bit, but it just was the calling for us. And, you know, like I said, it was definitely divine intervention, all of it. Well, I mean, you're selling stuff, buying stuff, getting jobs,

and it's all just lining up like a hot knife through butter. Exactly. It just tells you it's God lining it up. Absolutely. And how was that conversation when you sat down with him and said, I love you, I'm going to marry you, you owe about a billion dollars, and the tractors and the trucks and all the things that a good old farming boy is going to say gives me my identity.

All that's got to go. How did that conversation go? Well, I mean, a lot of it was like, he was like, well, I want to sell this. And I'm like, are you sure? Because I'm like, I don't want you to have to sell it because I'm telling you we need to sell it. Oh, so you tricked him. Well played. Everything's got to go. But, oh, do you want to sell that?

And he said, yeah, I'll sell that. No, really. So it sounds like you had the conversation and you said, I'm all in. Yep. I'm all in. Like I said, Jesus, I trust in you. That's what we said. Pretty amazing.

That's awesome. Good for you guys. Well done, guys. How's it feel to be free? Awesome. Amazing. It's a completely different situation. I mean, everything's turned upside down.

You have a cash paid for house, right? Oh, yeah. We paid for it before we even sold our house. Yeah. You're all the way through. I mean, now you got to just make $100,000 a year and save it and become Baby Steps Millionaires. Exactly. I mean, my gosh, you are on your way.

Yep. Wow. Look at you guys. So proud of you. Thank you. What a great. That's very cool. Financial Peace University, you have to watch going to that class. It'll mess

you up. It messes up everything. It'll mess you up. You'll sell your tractor. That should be the warning sign outside. I'm just telling you, don't sign up for it if you want to keep your tractor. It's bad. And that boat's gone too.

So giving yourself two years later here, how different are your conversations? It's nothing. There's no concern about, you know, money. I mean, obviously we're doing our budget every month, but it's no, you know, anxiety about that. It's all, you know, raised our child and just everything. You know, it's wonderful. That's awesome. Yeah.

And is that your child in the background there? Yes, it is. He's doing the debt-free scream over and over and over. He's so excited. He's got it ready. He knows what to do. Exactly. I love it.

All right. You want to try to put him in there or not? Yeah, we'd love to. Okay. Oh, yes. All right. Hey, buddy. All right. It says, no to put him in there or not? Yeah, we'd love to. Okay. Oh, yes. All right. Hey, buddy. All right.

It says, Mala, we're debt-free. $181,000 paid off in 17 months, making 77 to 100. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free. We're debt-free. Way to go you guys

He's a lot happier now Even with mom Yeah I finally got to Get to the debt free screen You guys are taking too long I was practicing over there Talking too much We got a copy of

The Legacy Journey for you That's the next chapter In your story for sure And of course A copy of the Total Money Make you that's the next chapter in your story for sure and of course a copy of the total money makeover for you to give away to someone and change it all you know it's um interesting that we have so much power over our lives once we choose to yeah people uh i mean you guys in psychology call this locus of control but i call it uh you know taking control your own destiny and you know i could never well

then you won't then you won't that's right i i don't know how well then you won't well you know regular well then you won't but when you just decide an adventure, we're going on an adventure. Yeah. We're going to pay off everything. Yep. 17 months into our marriage because we sold everything. We moved cities, jobs. We changed everything.

That's a lot of change. That's right. That's a lot of change right that's a lot of anxiety it's a lot of and i hear that a lot which is well but but i live here and my first thought is do you have to you don't but i i i need my tractor because i but you don't do you right but i gotta have this motorcycle but you don't right yeah what's it What's it worth to be free? That's the thing. That's the magic question. It's okay, but there's a trade-off. That's right. There's a trade-off.

What's it worth to leave Minnesota and move to Nebraska? The number of times I find a couple and she says, I want to stay home and quit my job. And I go, well, you know, she said, I only need to make about $700 a month. How much is the payment on your minivan? $842. Well, let's just on your minivan? $842. Well, let's just sell the minivan. You quit your job. Oh.

What? Yeah. Yeah. Oh. Oh. You can choose and do it. This is the Ramsey Show. Thank you. Here at Ramsey Solutions, we're trying to transform so many lives that we mess with this toxic culture in America today. of the day. There's so much out there that needs to be changed in the world of mental health and getting the kind of job that you need with Ken Coleman that is working in your passion.

We're going to mess with you so much that you start thinking of the credit card like a cigarette of the financial world. If you want to get involved in a place that's causing that level of disruption, we're disrupting things that mess up people's lives. We've got 1,000 folks on our team right now, and about half of them are technology people right now. And so if you want to join us, whatever it is, technology or otherwise, we're on the hunt.

We're going to hire about 300 folks this year, and that includes software engineers, Ruby on Rails, Java, C Sharp, front-end technologies,x designers seo content marketing marketing specialists data engineers data specialists i mean and it's all over the place and so if you sales people admin people i mean you know if you have an interest interest find out about the available jobs text work to 33 789 now i will tell you that we work 40 hours we work while we're at work we we get stuff done around here but you do go home after you know you're at home at night i mean we, we don't work 80 hours. But we also don't sit around here and play on our phone and check our Facebook. You can walk down the hall here.

You can feel it. Yeah. We're here. It's game on, man. I had a friend of mine from another state walking through here the other day, and he goes, everybody in here works so hard and they're all happy. I said, yeah, we get rid of the other ones. It's an amazing idea.

Yeah. So, yeah, if you want to join us, we'd love to have you. But plan on working while you're here and plan on going home after 40 hours, which for technology people is highly unusual because they work them 80 hours at most of these corporate gigs, and they treat you like a freaking robot, and we treat you like a human. We actually care about people. So, anyway, text WORK to 33789.

Text WORK to 33789. Our question of the day comes from Blinds.com. They have a 100% satisfaction guarantee. It means even if you mismeasure or pick the wrong color, they'll remake your blinds for free. You get free samples, free shipping, and with the new promos they run every month, you'll save even more. Always use the magic word,

promo code Ramsey. All right, today's question comes from Ozzy in California. I'm currently taking Financial Peace University with my girlfriend. I've completed Baby Steps 1 through 4 and should have my current house paid for in that one and a half years.

I've also been saving for a second house so my mom can live in my current house when my girlfriend and I get married. My girlfriend has a hundred thousand dollars in student loan debt and recently booked a trip to visit friends on the east coast. She said that she wants and when she gets married and has kids she won't be able to do a trip like this so she wants to go now. My first reaction was that she should not go on this trip because of her student debt and when I told her this she told me you know what you should her student debt. And when I told her this, she told me, you know what? You should enjoy your money.

So who's right in this situation? What do you think, Dave? If you marry this girl, it's going to be a long life. I was going to say, man. Y'all are not aligned. The old joke is if you marry a woman that likes to spend money you better enjoy making it but that's a negative joke i mean the same would be true opposite if you marry a duper who doesn't earn any money you know i mean there's it's um yeah you got you got

a problem that's bigger than it's this yolo problem this i'll never be able to once i get married and have kids my my life's over. I can't hang out with my friends. Then there'll be another thing. Then there'll be another thing. Then there'll be another thing. Always, yes. So here's the rule, okay?

Adults devise a plan and follow it. Children do what feels good. You're dating a child, sir. Was that... I think I must be in a mood. No. That sounds a little harsh. I don't think it's harsh at all. I think it's.

I was kinder than I was. It's more eloquent than I was going to say. You've got. Well, I mean, I just called his girlfriend a baby doll. I mean, she's just a child. But I mean, it's not. It's not. That's kind of harsh.

But yeah. Well, she was grown up enough to take out $100,000 in student loans. Yeah. But that just means she was 18. That's she has a pulse that's a chronological thing that doesn't hang with the emotional maturity that's true yeah the reality is you have lined lined up your life in a way that you're almost done paying for your house um you're working on a second house you're working on all your financial house in order you're thinking about your mom you're filling the blank.

And you've got somebody who's saying, hey, you know what? We've got to live for right now because life gets awful down the road, so let's just live for the right now. And those are competing philosophical ways of doing life. See, YOLO contends that tomorrow doesn't matter because it's not guaranteed. YOLO contends that YOLO is rationalization and justification for doing what the four-year-old child inside of me wants to do. Right. That's what YOLO is. Right. YOLO says that if you plan for something and save for it and pay for it, that you are no fun.

Because you could have just had it now. You're no fun. Right. You're no fun. And you don't have as much fun. Right. Well, let me tell you about my life. You know what I do now?

Anything I want. If I want to get on a plane and go to somewhere, I can just do it. I mean, that's fun. But it didn't get there by YOLO. And so if you live like no one else later, you can live and give like no one else. So you can't presuppose. And I'm sorry for you little children that live in your mommy's basement and don't like Dave Ramsey being a boomer and all this crap. But the deal is, if you want to have, there's adult fun, and I'm not talking about something nasty.

I'm talking about a grown-up. Fun for grown-ups is a richer, deeper kind of fun. I got seven grandkids. I can load them all on a plane and take them somewhere. richer, deeper kind of fun. Right. You know, I got seven grandkids. I can load them all on a plane and take them somewhere anytime I want. And that's a different thing than I get to go out and eat whenever I want to go out and eat because you only live once. And you don't have to check the account, right? I don't.

You don't have to. I don't have to go look and see if I can afford it. That's what I'm saying. There's a piece to joy and to fun that the YOLO misses. YOLO is about the heart rate spike. It's not about the entire experience, which is I can sleep tonight. I'm not worried about it. It's a roller coaster of excitement.

Yeah. You're looking for a hit, right? Versus deep joy, yeah. But it is like a drug hit. It's a dopamine hit. You're always going to come down from that hit, so you've got to do it again, you've got to do it again, you've got to do it again. There is inside of us

a little kid that throws a fit on the cereal aisle and wants the roasted nut Cheerios, whether you can afford them or not. Mom says, no, you're four. Don't throw a fit in the grocery store because I'll bust your little butt. That little kid lives inside of every one of us. I want it now. And mom says, no, you're four. Don't throw a fit in the grocery store because I'll bust your little butt. Right. Right.

But that little kid lives inside of every one of us. I want it. I want it now. And then we say stupid stuff like, I deserve it. I've worked hard. So let me help you with this. You don't deserve nothing. Nope.

Nothing. You don't deserve nothing unless you go get it. Save up the money and pay for it. and then you can say, I deserve it. But you don't deserve it because you breathe air, you entitled little twit. Oh, my God. That's just not true. Right. It's just not.

I mean, I can say that to myself because that little kid lives inside of me. Oh, he's in me, too. Yeah. He's inside of every one of us. His name is Immaturity. Right. And the more we don't feed that little kid, the sooner he's not there anymore. So this happened in my life.

Then you just grow up in your grouchy and direct with the guy who has a girlfriend in California. But yeah. We ordered, so we've had the same crummy front porch furniture. It wasn't even front porch furniture. It's just super uncomfortable. You might be a hillbilly, yeah. And finally, I got frustrated a few weeks ago, a few months ago. Oh, you deserve some furniture.

Well, I thought, I make good money. Why am I living like this? And then my wife said, because we haven't saved up and we can't afford that yet. And I was like, oh, yeah. Oh, yeah. And so then we made it a priority, and then we got it. And we got it this week. Oh, you. Oh, yeah. And so then we made it a priority, and then we got it. And we got it this week. Oh, you got the furniture.

Dave, it's mine. We paid for it. We saved for it. And it's super comfortable. Yeah. And now I can sleep on it without worrying about the payments, right? It doesn't. It sits different.

I promise you. Some of you people financed your bed. It sits different. Just think about that. Just think about that. Right. How are you sleeping in a financed bed? Yeah. Oh, John will never be out of business.

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