The Ramsey Show - App - My Husband's Union Is About To Go on Strike (Hour 2)

Episode Date: August 25, 2021

Debt, Relationships, Business, Home Buying Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Live Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the 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. Christy Wright, Ramsey personality, is my co-host today. Number one best-selling author and host of Business Boutique, a huge conference that we have coming up here in the fall, October 14th through the 16th. As a matter of fact, Dr. John Deloney, Jasmine Starr, Nona Jones, Bianca Olthoff, Manit Chauhan. Ah, Manit's coming.

That's cool. She's a celebrity on the Food Channel, Food Network, and also a local entrepreneur, owns a bunch of restaurants in our area, and just world-class lady overall. That's cool. And that's a big addition. And I'll be there speaking. And it's going to be all about business boutique, all about equipping women to make money doing what they love.

And this conference has sold out every single year. It is October the 14th through the 16th. There are some tickets available for here in Nashville. And Nashville is a great place to visit. It is. It's a great city to make a road trip out of it. If you've got some friends, you all have side businesses

or small businesses you're working on, gather some friends or even connect online on the Business Boutique Facebook group and sync up and share hotels and all that good stuff. It's a jam-packed three days,

but it's also one of those that you come home so fired up and so filled up and you know exactly what to do. You don't have to feel stuck. You know what steps to take to grow your business to get get it to where you want to be you know from where you are that's where you need to be that's right and that could be from the dream stage yeah or all the way from you've got a pretty sophisticated operation and you're just wanting to put some

more tools in your belt and so um typically it's 2 000 to,000 ladies in this audience. And it is, again, we've just found that our hometown of Nashville is very popular. It's a very popular visit, a place to come and hang out. But, of course, you need to book time around this to do all that because you're going to be in here busy. We're going to be, you know, you're going to go up to Waterfountain to get a drink. We're going to turn off. It's been cool, too, Dave, because I've noticed even recently in conversations as we've been talking about Business Boutique, this event every year, we started it in 2015. Every year, this is the catalyst for so many women that changes the trajectory of their business, truly. I was just talking to someone the other day that has a massive worldwide business, okay, in 20 countries.

They're absolutely rocking it. Multi-million dollar business started. 2016, Business Boutique. Wow. And you hear these stories and you go, oh my gosh, that's the moment in time where something changed and they went home and did what they needed to do

and this becomes the catalyst. So it's a great opportunity for people to get not only the information and the steps, which we give you, but get fired up to believe in yourself and go home and do it. Yeah. Once you've been stretched, you never return to the same shape. Yeah. And this is a brain stretching conference.

Your brain will never return to the same shape. Yeah. So Business Boutique, Christy, me, Dr. John Deloney, a host of other characters that are absolutely incredible, communicators, business teachers will be with you. And October 14 through the 16, you get your tickets before they're gone. Again, this thing is a sellout every year. You text boutique to 33789. Check it out at ramseysolutions.com.

But text boutique to 33789. The Business Boutique Conference coming up this fall. Caleb is with us. Caleb is in Los Angeles. Hi, Caleb. Welcome to the Ramsey Show. Hey, Christine, Dave. How are you all doing?

Great. What's going on? Well, my question is about where I should put my cash now. So I heard about your plan for years and I finally just did it. My wife and three kids, we moved into my parents' barn on some acreage so we could finally, you know, pay off the debt. Um, we did, we were in a loft, you know, every dime that came in, went to the debt, just gazelle intense. And then we had the whole ladder, you know, with the marker and then you mark it off, paint it off. And the very next morning we found out we were pregnant with twins.

Congratulations. Oh, I'm so glad you're ready. It's no, for real though. Like you're right. I mean, if I wouldn't have done that plan, you know, the stress of student loans, you know, I went to film school, you know, it's gone now. So here's, here's my issue. Um, I own my own business. Um, I'm in film production. Uh, so, you know, irregular income, do you, I know the next baby step is pile, you know, three to six months living

expenses, et cetera. But I have heard other people in the film industry call you before. And I remember you said something, something about something about you know get a much bigger buffer what what do you suggest for me right now my twins are due end of november and we already have three kids under five so i'm looking for some advice well while you are you're in baby step three anyway which a hundred percent of your spare dollars are going to build your emergency fund right and so you know three to six months of expenses now you can go ahead and build up you know six months of expenses and you can just keep building it past that until the twins come if you want and then you'll just have some extra money beyond that uh aside from the twins aside from the small kids just the irregular volatile income with a small business um or in an industry

like the film industry where it's um feast and famine i mean you're either making bucks or you got nothing and so uh that we were in the real estate business when we came up with this idea because we had the same thing we could have no money one month and 20 000 bucks the next month and so um right and so what we did uh it's a dumb name but i couldn't think of anything else you think of a mountain and a valley, and the mountain is that big month, that wonderful month. The valley is that horrible month, the valley of death, right, where you have no money. And so we called it a hill and valley account. So if we were in a valley month, we didn't have to hit the emergency fund.

We had a separate savings account to fill in for a horrible month of income in a volatile income situation. Because that's not an emergency. That's actually a predictable event. Right, yeah. And do you have a percentage, Dave, that you recommend for that? No, I think what you look at is the volatility. And the volatility creates two things. One is actual arithmetic, and it also creates all this emotion.

You don't use the emotion to set the amount. Because when you dig down into it, usually, you know, you feel like you have a $10,000 problem, and you might have a $2,000 problem. Yeah. And you go, look, my worst month, here's my worst possible month, and here's what we need to exist. Well, you've got to cover the difference. Right. For two months. Right.

And, you know, it might be $1,000 off, you know. Yeah. It might be $2,000 in your Hill and Valley account. I wish I had a sophisticated – I'm horrible at naming stuff, but that's all we called it. Because that's the only thing we could think to call it, because we wanted to separate it from the emergency fund, because the emergency fund is for unexpected events. This is expected. We know this is going to come.

And so I think you build up your emergency fund first, and then you build your little hill and valley account just going forward, regardless of twins and babies. Do you have a question about that, Dave? For businesses that are super seasonal like that, do you recommend they have a business version of the hill and valley, or would you just use a retained earnings for that? Retained earnings should be enough. You should use that for that. That's the purpose of retained earnings.

It's just to cover some seasonality, and you can adjust the retained earnings for that? Retained earnings should be enough. You should use that for that. That's the purpose of retained earnings. It's just to cover some seasonality, and you can adjust your retained earnings based on your seasonality. Like for years around here, our summers were slow because live events are slow, publishing is down in the summer, radio listenership is down in the summer typically, and so our summers slowed down. Now we've got a whole bunch of other product lines now that don't slow down. So we don't notice it as much.

But we used to put some money aside to get ready for summer. Yeah. You know, Financial Peace University sales were down in, you know, July is way different than October. Right. You know, that kind of thing. So we just had to kind of get ready for that. your number one wealth building tool is your income for business owners this comes as no surprise as you're used to putting in extra hours and watching your bottom line that's why christian health care ministries or chm is a great option for those who are faith focused as you're used to putting in extra hours and watching your bottom line. That's why Christian Healthcare Ministries, or CHM,

is a great option for those who are faith-focused and budget-conscious. CHM is not health insurance. Rather, it's a health cost-sharing program. It's not harder, but it is different. To learn if CHM is a fit for you or your business, visit chministries.org slash budget. September 16th, the Take Back Your Time event, appropriately named with the launch of the book, Take Back Your Time, the guilt-free guide to life balance, which comes out the week before. And it's on pre-sale right now.

And if you want to attend this live stream for Take Back Your Time, all about balance, all about getting control of your life, Pass a start at only $20. With your event pass, you get over $60 in free bonus gifts, including a copy of Take Back Your Time. You can join us in Nashville for the event and a special book signing with Christy or via the live stream, either one. You just got to tell us in advance which one you're doing because we will sell out here in Nashville, of course.

You can feel balanced even in your busy life, and we want to teach you how. The Take Back Your Time live event and live stream Thursday, September the 16th. Text TIME to 33-789. TIME to 33-789. So when someone finishes watching that, what is it you want them to feel? Relieved. Activated and relieved. But here's the thing.

We feel so much pressure and guilt around our time. That's why I love the tagline of the book, The Guilt-Free Guide to Life Balance. This is not a productivity book. It's not an event to show you how to do more, faster, multitask, squeeze more in, be more efficient. I want you to feel free to do what's right for you right now. I want you to feel free to spend your one life on what matters to you. And we're going to show you how to do that in very tactical, practical ways, by the way. Our question of the day comes from Blinds.com.

Find out for yourself why Blinds.com is the number one online retailer of custom window coverings. Free samples, free shipping, new promos all the time. It's a great American company. Use the promo code RAMSY to get the best deal. Today's question comes from Diane in Ohio. I'm 61 and my husband is 58. We are doing well financially and have no debt. I'm currently a health coach for a health management company.

I'm tired of playing the corporate game and tired of being micromanaged. I would really like to have my own practice coaching clients on healthy lifestyles, teaching cooking classes, and controlling my own schedule. I have no idea how to do this without leaving my current job and making no money at all for a while. What would my first steps be to start my own coaching business? Well, I'm going to start with the assumption that there's not a conflict of interest, non-compete, that type of thing, because she

wants to do what she's currently doing for this company. There's a little bit of gray area there to me in terms of what she's able to do. But I would say for Diane, I want you to do this the same way I would teach anyone to start a new thing. If you have a full-time thing, but you want to start something on the side, you start it on the side. And you start by putting the information out there. Maybe it's a Facebook post. You email family and friends. Hey, I'm going to start doing this. You think about your pricing.

Do a little research, a little digging of what would your packages look like? What would your services include? How are you going to structure your services and your pricing and so on and and you start to baby step into it brian is with us brian is in panama city hey brian how are you okay so um my okay so my wife uh her parents they're they're they're very very nice people. They've done a lot for her growing up. They're financially well off. And, you know, since we became married, I feel like it's our responsibility to, you know, kind of take, I guess, a handle on some of the things like her retirement,

health insurance, life insurance, those kinds of things. Yeah. Yeah, like grown-ups and stuff. Yeah, right. So her dad still has all that in his possession? Yeah, her dad still has it in his possession, and they're kind of, every time we discuss time we discuss finances and money and things like that, they get all weird.

Yeah, well, let me get weird for you, okay? Your wife needs to tell her dad to put the stuff into her name now. How old are y'all, Brian? Right. I agree. You don't. you can't say it okay all right so that's where yeah i guess where i'm coming here um because you know i i would want to approach anything whether you know i want it to be my place and i think when it has to do with

my wife you know we we um since we've been coming married, we combined our life down on the same page where it just became debt-free. Yeah, but it's not your daddy. It's her daddy. And it's not your policies. It's her policies right now. It's her retirement. Yeah. And she needs to move.

It needs to be moved into her name now. And she needs to call her dad and go, Dad, I understand a few months after March, but now it's August. So I'm going to come over to the house and you're going to sign all the crap into my name now. Now, you can be a little nicer than that, but that's the message. These nice people. They definitely will be nicer than that. They have a lot of money and meanwhile are control freaks, dude. And so, you know, your wife needs to, it's called leaving and cleaving.

But you can't do it. They're not going to listen to you. christy wright ramsey personality my co-host today the 2022 gold planner on sale this week at ramsey solutions.com very very popular planning, life planning item by Christy. This is the sixth or seventh year we've done these things, and they always sell out. So be sure and check out online at RamseySolutions.com. Christy, I'm going to pop a day for a minute. I want to go back to our last caller. Okay.

We had a commercial bearing down on us. Yep. All right. I'm 61. i have three grown married children all have kids not 61 yet i'll be 61 in a couple weeks but close enough um when your children get married you do not have the moral, ethical right to hold on to their stuff. Period. When they reach adulthood,

you do not have the moral, ethical right to hold on to their stuff and so example in our house would be uh denise comes home from college and she sets up her own household within three months moves in an apartment with some roommates eventually starts dating a guy gets married but when they're engaged uh i look down and realize there's a file here with mutual funds with her name on it there's the health insurance is still running through us which is stupid this is like a grown woman right and she needs to pay her own light bill she needs to check the date on her milk carton by herself uh and her mama don't need to do it yeah and her dad doesn't need to hold her hand because he looks at her husband as a little boy yeah sorry folk you don't

have that option and when you do continue your helicopter parenting into their 20s you damage the relationship with them potentially for the rest of your lives and you stunt their emotional growth because they're still freaking little baby children because you didn't give them any grown-up stuff to do yeah god that pisses me off set them free the bible says to leave and cleave so you leave your mama and take your stuff with you you know what i heard in that call too though i wish so bad she had called because i heard in his voice he didn't want to talk to him he wasn't supposed to anyway but even if he was he didn't want to he was bowed up he was ready to talk to him yeah but it was like this nervousness like you could hear something like well i don't know they're not he started out with they were nice people and i started laughing because i knew he was lying we both well we both did because we're

like but we're waiting for the butt where's the butt because the great canceler in a sentence everything that comes before the word but means that those people are butts so then but i wish we could have talked to her because i got the sense that she was not the type that wanted to talk to them no she's been used to daddy taking care of her. I know. And here's the thing. So then speak to that person. Speak to the timid, the child, the adult child that's scared to talk to their parents.

Give them some help here. Is your job as a 20, what was she, did he say he was 24? Yeah, I think so. She's 23, 25 probably, give or take. I mean, be a grown up. Come come on put your big girl pants on and uh because the sooner you do that the the the most one of the most rich times of our lives in our personal family is the current time where i have adult to adult relationships with my children including my with my children, including my sons-in-law and my daughter-in-law. And I thoroughly enjoy them as adults.

But that means that I have to, you know, Rachel and I have, I don't cross boundaries with her just like I don't with you. And, you know, we're not kin. We've been friends a long time. We've been on our team a long time. We've got a good relationship. But there's things I can't tell you to do. It's not my right. And vice versa, by the way.

And the same thing is true with Rachel. True. And so we can talk about stuff. We can argue about things. We can discuss politics. We can talk about life or religion or doctrine or whatever else. But that's just on a friend-to-friend level, so to speak. Yeah.

And it's the most rich time. Some of our Ramsey dinners, because we're all loud and gregarious and fun people, are hilarious now. But it's like a friend group having dinner right not you know dad is holding court and you're all they're going to now listen to me right they quit doing that a while back i'll just tell you what do you think what do you think's going on in the dad in that scenario that wants to hold on to it what does he still see him as a as a kid he likes the power control that's who i'm talking to is him because i'm just he pisses me off because he's he's he's being a twerp he's trying to hold on to the past

and you know you walked her down the aisle you placed her hand in his hand dude you just gave her away that's what they call that all right what if she's not married well she's 25 though well the same thing except there's not a hand there's not leaving and cleaving it's not married. She's 25, though. Well, same thing, except there's not a hand. There's not a leaving and cleaving. It's not a marital relationship, but they're still adults. And so what you're doing is you're treating your 25-year-old like she's 13, and guess what? She's going to function like she's 13, and then the rest of us in society have to put up with this entitled little twit.

Don't you think? You have people that are five years younger than you that you run into that are not functioning at that age emotionally. Well, and it's an unhealthy dynamic on both sides because you have the, let's use the daughter in this scenario, it could be a son either way, but the adult child that will not stand up to mom or dad or speak up to mom or dad or say, I'm a grown up, these are my XYZ funds, policies, whatever. And then you have the dad or the mom, whoever, that is dominant, controlling.

They like having the power. They like being the big deal in the family. And so it becomes this dynamic that's unhealthy on both sides. they both have a responsibility in it is what i'm saying it is emotionally hard admittedly when your kids reach the point that you're no longer allowed to tell them what to do yeah i used to could just tell you to do stuff and you freaking had to do it you know and now i can't do that now i have to convince you or persuade you like i would one of my buddies i've got to talk you into this is good for you here's why i think this and depending on how strong i feel about it you know but may not even

bring it up at all but this is just reasonable relationship boundaries and so but but some parents can they have a real problem with this boundary of saying out loud okay this is like a grown but human here i can no longer tell them what to do yeah or i shouldn't be telling them what to do it shouldn't be effective someone should stop you from doing it whether it's the person you're doing it to your yourself your pastor ought to look at you and go hello you know something somebody ought to give you a little wake-up call you know ring the bell for you and go uh you have now moved into a new phase you no longer can boss them around and uh because the interfering mother-in-law when the kid's 32 and she still rolls her eyes with the way the chicken pot pies made oh my god that's a classic

stereotype yeah and it's like you don't get to roll your eyes anymore yeah you like have to be polite and stuff right you know oh my god you wouldn't do that at your friend's house right or if you would you wouldn't have any friends yeah and yet you still think you can get away with it with those that you love the most and they're the closest to you yeah and so and it does go into the financial because the more when you don't put the weight of the decision making on the grown child they do not develop the strength to make the decisions. You have to let them feel the weight of that rent on their

back. The weight of the grocery shopping. And you go, oh my God, look what bread just did. I imagine it has an effect on the marriage too. For those that are married, then it's stripping them of some of the dignity of figuring it out as a couple. Of communicating as a couple. Because mom and dad are still controlling

everything, still having a say, still carrying the weight. It's like, no out as a couple of communicating as a couple because mom and dad are still controlling everything still having a say still carrying the weight it's like no like like as a as a couple you have a fight you run to your mom yeah oh my god yeah yeah i told rachel and denise in particular i said when you have a fight and if you want to call over here and talk to us about it you better bring them because otherwise i'm gonna point you right back at him and go, hey, I already told him you're now his problem. You did say that. I did exactly say that. You know I said that. I do.

This is The Ramsey Personality, is my co-host today. Tyler is in Colorado Springs. Hi, Tyler. Welcome to the Ramsey Show. Hey, how's it going today, Dave? Better than I deserve. What's up? I'm kind of in a funny transitional state in my life. I'm getting ready to transition out of the military, and I'm looking at living options once I get out.

I'm going to go to college on GI Bill. And I've been really struggling with whether or not I should rent or try to buy a home. But in doing some research, it doesn't seem like there's any way that I can get pre-approved for a home loan. And I understand that you hate VA loans. Can you clarify as to kind of why you you hate va loans so much and also what your best advice is to me hate might be a strong term but um but number one va loans are more expensive with fees and interest rate than any of the big three fha va or conventional number two va loans the reason most people gravitate towards a va loan is you can get a as you know you can get a house with nothing down yeah and that's which means you're too

dead gum broke to buy a house okay when you buy a house with no money a house is not a blessing okay and so because you know the air conditioner is going to go out next week okay so i want you to have a house i just don't want to have you so that that's the reason i don't i don't it causes people to buy a home and when they're in a position of weakness rather than strength so what i would tell you to do is uh rent the least expensive thing that you can and let's work on your career and work on your goals and build up some money okay so then in that case that leaves me with one of two options i can either live with my parents for 350 a month which yes that's awesome but how long have you been in the military

i've been in the military for nearly five years when i get out and that would be really that'd be really painful yeah and and my parents i love them to death great people but it's it's it's difficult to live with them and so my next option would be um would be renting a apartment for about 850 bucks a month yeah try to get your roommate situation where you can get that cut down but you don't need to be back at home. It's just, it's emotionally going to be destructive for everyone involved. Okay. And with that though, I guess I have some extra money in the bank that I could use to float myself on the months that I don't get paid by the VA for the months that I don't

go to school or summer break or whatever. Um, but can you not work? I can work. It's going to be very part-time i do plan on getting a part-time job i actually have a job lined up already uh as soon as i get out so what are you going to study and how long is it going to take you uh i'm going for a construction management degree uh and it's going to take me four years i'll get my bachelor's and i should graduate by like 20 26 somewhere in there well i graduated in four years with a business degree from the university of tennessee and i worked 40 to 60

hours a week every week okay so very part-time is not necessary you don't have to work that much because you're not starving to death you've got the stipend and everything but you also have to sit on your butt and all that extra money can go towards saving up for when you want to buy a house when you're ready to tyler so the more you work the more money you have the quicker you get to that goal and and if i were you i would take it a step further and i would get a job in construction anything you can do around where you want to be meeting those people that are doing what you want to do what you're're in school for. That's just going to fast-track your whole plan. Yeah, get your foot in the door and start learning some hands-on

while you're learning in the classroom, and that's going to be, you're going to come out with three major advantages towards your success, your military career, your hands-on-the-job training, and your academic background. You put those three things together, man, you you got some really good taste and soup there i i think you got a bright future when you do all that and the construction guys will appreciate you actually knowing what the flip's going on from something other than a textbook all right cheyenne is with us in bowling green hi cheyenne how are you i'm doing great how are you better than I deserve what's up uh yes um just wanted to say I love you both and um me and my husband have actually been

with the Ramsey Plus since October of 2020 well my husband has currently been working at his shop for six years he currently works for a paint factory here in town and they are a part of the union and his union contract will be up May of 2022. Now we have about 71,000, well, we had $71,000 in debt and we currently have about $27,000 left and we have about eight months from now. Um um he could potentially go on a strike if the contract is not but you said may uh yeah may uh oh okay i thought it was it is cheyenne don't you let him make you confused about your months okay no you're right okay okay you got eight months all right so you could be debt free and still have a pile of money by then uh i well that's what i was asking um i was a

little nervous because my husband's slow season is actually coming up this fall uh typically every single year he's been working there the slow season starts in september and um in between september and potentially February. It's very slow, and the amount of hours and the amount of money that we're used to him getting most of the year is possibly going to dwindle down. And I'm a little bit scared to either go ahead and pay off the rest of the debt that we have or just pile up cash for a potential strike because I don't think that he would possibly get paid for the union strike.

It used to be about $200 a week that he would get paid. What's your current household income? $80,000. Okay. Yeah, you can be debt-free and have the money by the time you need to. You only have $27,000 left. Yes. Yeah.

And currently... Now, slow season means his hours go down to how many? You only have $27,000 left. Yes. Yeah. And currently... Now, slow season means his hours go down to how many? Instead of him getting about 70 hours a week, it'll probably bump down to 40, 50 hours a week maybe. Wow. So he works 70 hours a week a lot of the year. Yes. And most of that is volunteer. They a week a lot of the year yes and um most of that is volunteer um they've had a lot of people quit uh you obviously know with the pandemic a lot of people don't want

to keep their jobs that is definitely his case uh when the whole pandemic started they were actually the busiest they've ever been in their entire life and so um a lot of people have been quitting lately and so that is keeping his overtime available that's cool so they've been slowly hiring people and i'm just nervous because i'm i'm the person in the family how many times has his union gone on strike since he worked there um since he worked there it has not gone on strike which is how long uh he's been working there for six years and the last time the longest they went i think was a month or a month and a half yeah you're worrying about something you don't need to worry about okay okay you have a month and a half you have a month and a half problem and you're going to be debt free you're nervous about what ifs and we don't plan based on what if scenarios cheyenne

you've got a plan to get debt free you're going to get debt free you're nervous about what ifs and we don't plan based on what if scenarios Cheyenne you've got a plan to get debt-free you're going to get debt-free you're going to have some cash if this even happens which it likely will not I want you to pile up a big old pile of cash and be debt-free and then you will actually be the most ready for a strike you've ever been since he's worked there and still probably won't and you're going to do all of that by May but the likelihood of them going on strikes probably pretty low um they're just rattling their sabers uh and um you know carrying on because to posture for the negotiations and so forth because what's happening is most factory situations are behind and the last thing they want to do is get further behind uh supply chain has been so screwed up by covid and the whole you know

production means of production manufacturing everything's been so screwed up the last thing unless the union is being completely outlandish the employer is going to sign up so they're not they're in a position of weakness it's a bad year for their contract to come up for that employer because they need to produce. So I think you're going to be okay. And I don't think you need to worry quite at the level you're worrying. Being intentional and thoughtful about it, yes, I would do that. And I think it's wise to look at the tea leaves, see what's coming. But I think you're overstating it. Yeah.

You're going to pile up that cash, Diane, and that's going to give you a peace of mind that you don't have right now. When you have that, you can see that you'll even know even more that you're going to be okay. Christy Wright, good show. Thanks for having me. It's fun. Ramsey Personality, my co-host today. James Childs is our producer. Laura Johnson filling in for Kelly Daniel, who we can't seem to get to work these days.

She's going to kill you for that one. She's on strike. This is The Ramsey Show. Have a friend or family member that needs a daily dose of Ramsey advice in their life? Let them know about the Ramsey Call of the Day podcast. It's a quick hit of advice about life and money in under 10 minutes. Check out the Ramsey Call of the Day podcast wherever you listen to podcasts.