The Ramsey Show - App - Overtime Money Is NOT a Separate Budget Category (Hour 2)

Episode Date: September 11, 2019

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Music Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice.

Thank you for joining us. We're glad you're here. Open phones at 888-825-5225. That's 888-825-5225. Megan is with us in Switzerland. Hi, Megan. Welcome to the Dave Ramsey Show. Hi, Dave. Hey, what's up?

Thanks to your plan, this is the first year that i am maxing out my 401k to the full amount of 19 000 and i assumed that when i hit that number that the withdrawals would stop for the year which was meant to be last week and what my company does is they actually flip the amount into an after-tax contribution once you hit that $19,000. And I've never heard you talk about that before to know if that is something I should be okay with doing to keep contributing for the balance of the year or if it makes sense to contribute a lesser percentage throughout the year to only do the before-tax contribution. Yeah, if they won't turn it off, I would do the lesser percentage. You don't have any need to build up a bunch of after-tax investments with the 401k.

That's going to get cumbersome for you later when you're trying to actually use this money when you get towards retirement. And so, yeah, you're right. Our place, what we do is we just cut it off. When somebody hits their max, unless they request the after-tax, we can do either. But we just shut it off because it creates all kinds of paperwork for you later to try to remember how much money you've got in which account and what's after-tax, what's Roth, what was the match. It all gets jumbled up really, really badly. So I would do all my after-tax investing separate from my 401K, not passively simply because they wouldn't turn it off.

Hey, good question. Susie's with us. Susie's in California. Hi, Susie. How are you? Hi, Dave. It's great to talk to you. You too.

Thank you for taking my call. Sure. So I have $400,000 in a money market account, and I would like to help my kids get out of their debt because I'm kind of wrapped into it with them. My oldest daughter and her husband, we bought property with two houses on it and we owe $380,000. And I kind of like to pay that off. And then, you know, I was happy just to do that and not have them pay me back. But they said the only way they'd agree to do it is if I would let them pay half of it back to me.

How old are you? I'm 61. Are you living in one of the houses? I am, yes. And they're living in the other one? That's correct. I'm 10 acres. Okay, cool.

And how many other children do you have? I have another daughter who I am a cosigner on her student loan for $18,500, and I would like to pay that off and have her pay me back at a lower interest. I would never put someone that I love in debt to me. So, no, I would not have her pay me back. I would either leave her alone or I'd write a check and pay off the $18,000. That's real easy. I'd probably just pay off the $18,000 because it's a debt you've got too.

You're the cosigner on it, and I'd probably just write that check. As far as the farm deal goes, it's not fair to the other daughter if your estate is diminished by $400,000. Oh, to the second daughter. Yeah, yeah. What do you mean? How does she get her share of the estate when it's tied up in a farm that has two houses on it,

one of which she has no desire to live in? Well, I have a million dollars in a portfolio that if, you know, something happened to me, it goes to both of them. So it would be easy enough for the child with the farm to take a portion of their portion as the farm. And you're just advancing them, your inheritance, right? Right. And actually, that's written in the trust that they have the first, I don't know what it's called, but they can pay it off with their their amount and then it goes into what's left over that they they divide exactly so exactly so that you can yeah you can do that and that

that's the way they don't need to pay you back so that you can give it to them again when you die i know see that okay yeah so you know they just need to understand this is right about paying me well that's it's good it's you're gonna get the money when i die anyway and so all i'm doing is giving it to you before i die yeah that's kind of the way i'm feeling about it that's that's the reality that's the reality so yeah if you since you've got you've done very well and you have a really nice net worth and you've got a lot of liquidity. So we've got the daughter with the student loan taken care of. We write that check. She's done, and she's going to get her half out of that million. The kids are going to get their half partially out of the other kids

and partially out of the farm that you paid off in advance. And so what you do is you reduce the kids that are on the farm. You reduce what they're going to receive as an inheritance by the amount that you use to pay this off. And you don't have to worry about gift tax because you're one of the owners of the farm. So you can pay off your own farm anytime you want. So there's no gift tax issue on this estate. But you do want to say the $400,000 or the $200,000 or whatever it works out to be, the proper amount of their inheritance is

reduced by that uh and they got they just got it before you died that's all and no i don't want to put either one of them in debt to you no i don't want an interest rate no i don't want payments from either one of them to you you've got plenty of money you're gonna be sitting there in a debt free property next door to your kids life is good and uh and you've still got a million dollars plus in other assets so you're you're in fine shape that's exactly what i'd do i'd write a check pay off all these debts and no i wouldn't let any of them repay you no it's you're just it just becomes a dog chasing its tail and you don't want to have payments going back and forth in a family. It just creates all kinds of problems.

All right. Open phones this hour at 888-825-5225. That's 888-825-5225. Stevens on YouTube says, Our employer does not offer an HSA. Can we open one on our own, and can we still make pre-tax contributions? Yes, you can do individual health insurance policies, one type of which is an HSA. And you can do that in any state.

The only difference is I don't know if your health insurance will be cheaper if you buy it on your own or if you buy it through your employer. And that's what you've got to look at we heavily we pay for a big portion of our team's health insurance we don't pay for a hundred percent we pay a big portion of it so there's no possible way one of our team members could go into the market and get something cheaper than they could get here because we're paying most of it for them so it amounts to so that that's but you just got to look at the cost and make sure that the move makes sense. This is the Dave Ramsey Show. Did you know that if you combine the data breaches that have occurred in the past 12 months,

almost every American has had their personal info compromised or hacked. Over 50% of our listeners and viewers tell us that they or someone in their family has been a victim. And 70% of those folks have had it happen more than once. See, this is unbelievable. Once thieves get your info, the risk never goes away, and they can use it whenever and however they choose. It truly has become an issue of not if, but when. That's why the only plan I've ever recommended is through Zander Insurance. I actually sat down with them, and we put together a plan that I felt provided the best protection,

but didn't waste dollars on things you could easily do yourself or were just gimmicks. The key is getting protected before you're a victim, and it's too late. Go to Zander.com or call 800-356-4282. We are all at risk, and it doesn't make sense to wait. Numbers don't lie. That's Zander.com or 800-356-4282. Rachel's with us in Maryland. Welcome to the Dave Ramsey Show, Rachel. Hi, Dave.

So I have a question about student loans. Okay. Okay, so there's federal student loans from graduate school, and I wasn't sure if it's like three times my mortgage. Should it be in that snowball in step number two, or should it be like that I should be paying off my mortgage once I get to that step and then my loan? How much in student loan debt do you have? So it's from medical school. So the problem is I let it accrue too much, but it's, we're talking like 340,000. So you're a doc. Yeah, I'm a PA. I'm a physician assistant but yeah so i have a lot of a lot of debt my mortgage is 172 and what do you make um so right now i'm part-time so my my my husband makes about 140 a year but we have four kids and we don't live near family everyone's on the west coast so you know in terms of uh

we do carpool to the to the most that we can but in order to do a nine to five most places you know extended daycare closes five o'clock there's no way for me to get to the kids on time while they're this little once they're in school full time then it's much easier but um just for the time being temporarily this is kind of where we're holding three hundred and forty thousand dollars in student loan debt i know so the we're on income based repayment right now i know um but it's accruing as a result. So is it worth it to wait 25 years, like they say, and let it be forgiven? That's what they say with federal loans.

If you do the income-based repayment, after 25 years, the loans are forgiven. I don't know what state the government will be in at that point, but I have, you know, like 21 more years to go. Is it worth it to wait? If I try to pay this off, then I'm not able to pay for retirement at all. So that's where I get nervous. Where I get nervous is you spent $340,000 to make $50,000. Right. That's where I get nervous.

It's time. Listen, how old are your babies? Seven, three, 18 months, and a baby, infant. Wow. Okay. Here's the thing. You desperately need to make some money to pay this off and no you don't wait 21 years so what are you going to do you're going to sacrifice your entire freaking life

and have no life because you're just going to surrender to these student loans when you have graduated as a pa no you're going to use the PA and you're going to go make a bunch of money by working your hiney off. And you're going to pay these loans back as soon as you possibly can. Now you're not going to do it this year, not with an 18 month old and a newborn, and you're probably not going to do it next year. But, and, but I'm not waiting until 21 years goes by for you to have a life. And I'm not waiting, probably not waiting until all the kids are in school for you to have a life. You're going to have to go. You made a mess.

And the only way you're going to clean up the mess is to clean up the mess. You have got to go get some income coming in. And you have the ability to make 150 000 a year maybe 200 and you desperately need to do that as soon as humanly possible no excuses and um i mean i i get it that it's probably going to be a year it may be two years before uh but if you get a couple of these kids in school and a couple of them in a daycare, your butt's working. You made $340,000 worth of decisions that you've got to clean up.

And, wow. Oh, my goodness. All right. Courtney is with us in Canada. Hi, Courtney. How are you? I'm well, thank you. How are you? Better than well, thank you. How are you?

Better than I deserve. What's up? Well, first, I just wanted to thank you for the work you've done with the radio broadcast and the Money Makeover program. It's made a huge amount of difference in mine and my husband's life. Oh, thank you. Okay, so my question is, or my issue is, that my husband and I are currently having a disagreement about what should happen with our overtime money.

We're currently on baby steps number four. So we have our debt paid off and our emergency fund is ready to go. Now, he sees the overtime money as extra money for us to have some fun, some recreation. And I'm looking at it as extra boost towards our financial goals, and we just kind of need to mediate for it because we keep having this argument. You're both wrong. Your overtime money is just your money. All money coming in needs an assignment.

It's not different because it's overtime money. It's just money. Okay. And so you put the top of your budget and in your budget, you need to have some financial goals that are boosted. And in your budget, you need to have some fun. It may or may not equal, it may or may not equal something around what the retirement, what the overtime happens to be but we're not going to earmark overtime as a separate category somehow it's just money and you just put the top of your budget and then you go in our budget we're going to boost our financial goals four five six we're going to in our budget buy a couch in our budget we're going to go on vacation in our budget we're going to have some fun and we're

both going to be in agreement on that on what amount goes to each and then that's a different fight maybe that you have but the what's causing your fight here is is like you both feel and somebody feels entitled to this this niche of money that you set off to the side somehow and when you don't set it off to the side anymore it changes the argument to the budget overall what are our goals and everything we consume with fun slows down investing and everything we put it investing slows down the fun so we need to be doing some of both in baby steps four five six but it is not separate money it is just part of your budget that's's all it is. Hey, thanks for the call. That's a really good question, by the way. Open phones at 888-825-5225.

You jump in. We'll talk about your life and your money. Putting your goals on paper, like a budget, is the first step to making them actually happen. It's not magic. That's where you start. You write them down. It's powerful, and it works our brand new 2020 goal planner by remsey personality christy wright who who had the number one best-selling book business boutique

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Our question of the day comes from blinds.com. They have a 100% satisfaction guarantee. Even if you mismeasure, you pick the wrong color, they'll make your blinds for free. Blinds.com. Always use the promo code Ramsey. Mandy's in Oklahoma. I'm currently on baby step one. I've saved $300, but I have a department store card that has a balance of $765

and currently has no interest being charged for three more months. Even though I'm on Baby Step 1, should I continue to pay extra and try to get it paid off before the interest gets charged, which I believe will be 25%? No. You get your Baby Step 1, which is $1,000 set aside, and you pay off $765 in three months. If you don't do $1,700 in three months, you've got other issues. You need to be making more money, having a garage sale, doing some other stuff. You're looking at this too short term.

Put $1,000, Baby Step 1, and then get your $700 paid off. It's only $1,700 in three months. You ought to be able to do that. And if you can't and you need an extra job, this is the Dave Ramsey Show. Hey, guys. At the Dave Ramsey Show, we really value your input. It helps us to know what's important to you so we can deliver relevant content to help you crush your money goals. We just launched a brand new survey, and we'd love your feedback. It only takes a few minutes, and you'll be entered to win a $100 Amazon gift card.

No purchase necessary. Take the survey at DaveRamsey.com slash survey or text survey to 33789. in the lobby of ramsey solutions on the new debt free scream stage josh and britney are here hey guys how are you good how are you dave better How are you, Dave? Better than I deserve. Where do you guys live? Spokane, Washington. Well, that's a bit of a haul to Nashville. A little bit. Welcome.

Good to have you. Thank you for making the trip all the way over here. Trip all the way over here. So how much have you guys paid off? We paid off $71,500. All right. How long did this take? 23 months. Good for you. And your range of income during that time? $70,000 to $71,500. All right. How long did this take? 23 months.

Good for you. And your range of income during that time? $70,000 to $100,000. Okay, cool. What do you guys do for a living? I manage inmate labor at a state corrections facility. And I'm also a state employee. I've kind of shifted around.

I was in unemployment, and now I work for the Disability Association. Okay, cool. Wow. What kind of debt was your $72,000? Most of it was student loans. We had about $5,000 on a car, a couple thousand dollars worth of credit cards, but probably $65,000 of it was student loans. Cool.

So how long have you guys been married? Five years. Five years. So what happened two years ago? So I got out of school. I got my first big girl job. And my minimum payment for student loans was about $800. And I was, you know, we had just moved back home.

And I'm thinking, what are we going to do with an $800 a month payment for what seemed like the rest of our lives? We'll never be able to buy a house or a nice car. So, um, I looked around on YouTube and I actually didn't run into your YouTube channel. Um, but like a lifestyle vlogger, uh, was in baby step two and was talking about it. So I was like, um, I think I'll just give this a try. And I got hooked and then I found your YouTube channel and then I kind of forced him even though he's the nerd and has been trying to get me to do money smart I'm finally the one who was pushing so yeah she uh told me one weekend she came home and she goes we're gonna have a yard sale this weekend uh you're gonna run the money and you're going to read this book. And hands me a copy of the Total Money Makeover. And you said, yes, ma'am.

I said, yes, ma'am. So I sat and ran the money at the yard sale and read all of the Total Money Makeover and was hooked. There we go. So that's perfect. Very cool. Very cool. And then that was 23 months ago and it's game on. It's game on.

Yeah. cool very cool and then that was 23 months ago and it's game on it's game on yeah um about six months ago eight months ago we decided that we needed a little bit of a boost so we enrolled in financial peace university um did you get the boost we got the boost and we loved it so much that we decided to help coordinate so we're starting our next class this monday but we will be missing the first class because we're here. Oh, well, there you go. We'll give you a doctor's note. It's all good.

Give you a permission slip. Very good, guys. Thank you. Thanks for leading the class, and I'm glad the class gave you the boost because it does. A little extra information, a little extra pep rally, a little extra peer pressure from the people in the class with you they're going yes do it uh that that could kind of push you over the edge when you're right close yeah absolutely yeah it really helped being around people who didn't think we were weird yeah and didn't call us greedy for working so much and working you know having side hustle so you had some people you had some

detractors out there huh a few of them but i mean they're we're out of debt and happy now so we can do whatever we want yeah you greedy old people you greedy old hard-working people i can't imagine now we can work whenever we want to isn't that funny yeah how are you greedy because you're working that's like that's so weird and the same work was offered to them. Of course. Oh, so, yeah. That would mean this is people at work. Okay, I got you. Yeah, we had way more cheerleaders, though.

Who were your biggest cheerleaders? So, we had our friends and family, our financial peace coordinators, Terry and Teresa. Really, anybody that we surrounded ourselves with outside of work understood what we were doing and why we were doing it. And a lot of people at work felt like we were crazy. Yeah. Yeah. My mom, every time we would have some sort of unexpected expense, even if it was small, I'd be like, oh, my God, we're never going to be done. It's taking forever. And I'd call her crying and upset.

And she's like, just think of where you were five months ago. Just think of how much farther you are than when you started good job she would yeah she would get me back on track every time so she was talk you off the ledge for sure yeah very cool well good job you guys what do you tell people the key to getting out of debt is being greedy and working all the time. Yes. Increasing your income where you can. The budget, that's what everyone says, but it's true. Before we started this process, he would sit down and do bills, and I would dread it every time because he would have the talk with me,

you need to stop spending money. And then as soon as we started this, those talks ended, and everything was just so much easier. We were happier. Well, you had a say in the money. Yeah. And you also hold yourself accountable with that piece of paper, right? And I knew what was going on where normally he has the budget in his head and it's all figured out up there.

But I don't know what's going on. Yeah, we joke that the spreadsheet is a visualization of what's going on in my brain. So that she can be on board as well well i'm glad you took it out of your brain and put it down i'm glad that's a good thing well that's really what it is for everybody i mean if you think about it that's a good that's a good good way of looking at it a good visualization wow very very fun so what do you think about what do you think it is about the budget, doing the budget, because like you said, everybody says that, that causes you to be able to get traction? I think, like Rachel says, it gives you permission to spend.

So you're not just eating beans and rice literally. You actually have a goal of staying under a certain amount um and when you want to go buy stuff when you want to go buy clothes or you want to go on a date if it's in the budget you can go do it and it's fine and no one's gonna get in trouble for it and free yeah that talk's not gonna to happen the talk the shaming totally i love it well done you guys very well done we're very proud of you thank you very proud of you thank you for making the trip all the way from spokane we've got a copy of chris hogan's everyday millionaire's book for you signed by the man himself and that is definitely the next chapter in your story how ordinary people built extraordinary wealth and how you can too and gosh if you go and become a millionaire then

you'll definitely be greedy for sure for sure for sure you'll be one of those greedy people i'm okay with that though it's working out it's working out i like it all right josh and Brittany spoke, and Washington, $72,000 paid off in 23 months, making 70 up to 100. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! I love it. Great job, you guys.

Great job. That is so fun. Very, very well done. It is interesting to me that the number of people that are out there that actually don't want other people to succeed. I'm always shocked by it because i just can't i don't understand why you would want someone else to not win i guess just because it the problem is it exposes your loserness if someone else is winning right it exposes you as not being willing to do what it takes to win

and exposes you know that so i guess that's it i guess you don't like you know but i mean what kind of a person their friend loses 40 pounds goes well i mean you know you ought to eat better you know what kind of a person does that a loser i, I guess. I mean, I've never run into somebody who goes, well, you know, I just wish you wouldn't do that. I wish you wouldn't work more and become successful. That's just awful. I mean, that's just that. But what they ran into there is very, very real. As soon as you start doing things that are going to have a positive impact on any area of your life,

you are going to make some people uncomfortable by your very presence. And when they get uncomfortable, some of them get mean. Some of them get jealous. And their smallness comes out. Their loserness comes out. Starts oozing out of their loser pores. You don't have to be a loser. You can just change.

Ready? Set? Go. This is the Dave Ramsey Show. We'll be right back. Tony's with us in North Carolina. Hey, Tony, welcome to the Dave Ramsey Show. Hey, Dave, I'm still laughing at your loser for comment. You've got to trademark that. Oh, it'll probably get me in trouble, so you never know.

What's up? Okay, so I have five debts, two cars two cars two student loans and a credit card all equaling 40 grand uh twelve hundred dollars a month in payments i'm on baby step two um i have a house with ninety thousand dollars of equity so why can't i take some of that pay that off my payment will only go up by 150 my current My current mortgage is $1,300. It will go to $1,450. Because you need to clean the mess up, not move the mess into something, sweep it under the rug and try to hide it.

But I feel like I could, with an extra $900 a month that I'll be able to save, I could pay off the mortgage in no time. Then you could pay off the debt in no time. It's not all interest. It's not all interest. You're paying primarily principal. You have $40,000 in debt, and your household income is what? $80,000.

So how quick are you going to pay off $40,000? It's just tough with the $11.68 every month I have to pay it all these no no no you make 80,000 a year how long is it going to take you to pay 40,000 making 80 a year just do that math um 20 a year is two years 40 a year is one year leaving you 40 to live on how many kids uh three what's your house payment uh my house payment right now is 1300 okay all right yeah there's not a whole lot left over that's the problem you're not doing a written budget yeah yeah that's true too yeah so let's get your written budget going get your every dollar app downloaded takes you about 10 minutes to build this out and you're going to see

because here's the thing 40 000 deducted from 80 000 leaves 40 000 you probably after taxes can't make it on that pay your house payment and raise three kids that's probably not real so you're probably not doing this in one year but 40 20 000 deducted from 80 000 that's doing this in your sleep that ought to be that ought to be a hot knife through butter and so let's try two thousand dollars a month going towards your debts and that that's $24,000 a year. That has you out of debt in about, what, 20 months. True. And that's what you do.

We do not want to move this over to the house. All we're doing is treating the symptom, not the problem. The problem has been buying crap you can't afford and overspending and not living with a budget we all have done that so you're not different it's not bad thing it's horrible but it's not gonna make you a bad person it just means that you guys have been lazy and a mishandled money which makes you like an american right i mean we all have done this. But this whole thing of this whole Ramsey movement is about us growing up,

and it's about adults devise a plan and follow it. Children do what feels good. So you're not going to buy anything ever again that you can't write a check for. If you can't pay cash for it, you can't buy it the rest of your life. You are done with debt. And by the time you get through this hard 20 months i'm getting ready to put you through beans and rice rice and beans you're going to be convinced i'm right you don't want any more debt it's no fun and you can do this so get with your wife tonight put the little ones to bed get the budget out look at the every dollar app

download it pull the computer you can do it the computer, you can do it on your laptop, you can do it on your phone, takes about 10 minutes to lay that budget out, and you're going to go, where has this money all been going? You'll feel like you got a raise when you start doing the budget, and then you attack these debts smallest to largest. No, we are not going to sweep them under the rug by refinancing them into the mortgage and acting like they're not there. You may want to sell it in a car. If you have an expensive like they're not there you may want to sell it in a car if you have an expensive car in that mix you may want to sell a car that's possible too all right melissa's up melissa's in virginia hi melissa how are you melissa hi dave hi thank you for taking my call oh my gosh sure how can I help? It's such a blessing to hear your voice. You too. Yes. I want to...

So my extreme husband came back into the house after two and a half years. And I'm having a hard time, for one, on the trust level and then also doing the finances with him. Right now he's skeptical because, you know, he's still trying to find a full time. He's just doing jobs here and there. So how do I just go about, I'm just a little reluctant on combining our finances, you know, after our separation, it was a surprise that he came back. He wanted to surprise me on my birthday. And so I'm just having a hard time with our finances because I want to go back to school. Surprise, I came back. I mean, usually if you're estranged, you kind of have to get permission to come back.

Correct. Correct. But, you know, even though I was kind of refusing him before, he wanted to come back and, you know, just, you know, say, you know, in addition to me throwing you a party, I want to also come back. And, you know, so I wasn't really trying to downplay him doing the party. Put a little ribbon around his chest and said, I'm here, happy birthday. Yeah, so I'm happy. This guy's great. You know, it all kind of just got me you know abruptly

yeah romantic surprise yeah he romantic he pulled your romantic string okay so have you guys done any marriage counseling while you were estranged um no okay no you are starting today on the voice of divorce. You are starting marriage counseling today? Yes. Since he's been back, we have been counseling with the pastor that married us initially. What does the pastor say about you not wanting to trust him? Well, he was just saying that he needs to do a little bit more to, you know, prove that you know, that, yeah, the hurt person, he's having a hard time with that and haven't been, but then he's also been trying to look for

a job and he don't want to hear anything that, you know, I'm doing, because I've been knowing you for about a couple of months now and I'm just starting also on baby step one. So I'm like, here's the thing. Until he is worthy of trust, it is illogical for you to trust him. And he's worthy when he is actually doing things, not talking about them. Right. He's gotten jobs here and there, but not really, you know, his main thing. He talks a lot and doesn't do a lot

and that's why you don't trust him his actions don't meet his audio doesn't match his video his actions don't his actions don't match his mouth and until it does it's illogical for you to trust him i'm not saying he can't get there but hey i'm home now i don't like the way you're doing this and i'm not going to work much that's what i heard yeah he's working jobs here and there until he found what he really wants to do full time but you know it's just he's just being discouraged and depressing and i'm like oh my god i don't need all this energy back in the household like so i'm just trying to talk with him i think you guys are in a reconciliation period hopefully you're in a healing period for your marriage and hopefully he's in a healing period

with his attitude and his work ethic and uh then that makes him uh you, if he's there a year and he works, and you have a lot of discussions and he makes good money and he's helping to take care of his family like he's supposed to, and then you can talk. It'll be a year. Then you can talk about combining your finances. But I wouldn't combine them today. I wouldn't. Because I think you essentially are separated while still under the same roof right

now, because your relationship is not healed. As a matter of fact, we don't know that it's going to. I hope it does. That's my prayer for you, and I hope your pastor can lead you guys through some good discussions and him to some personal responsibility, because in order for someone to be trusted, they have to be trustworthy. Worthy of the trust. And that is based on actions, not talk. And that's true of employees, employers. Should be true of politicians. It's not.

And it should be true of spouses and children. If you want me to trust you, then behave in such a way that makes me naturally do that. Then you combine your finances as your marriage heals. I sure hope it does, kiddo. This is the Dave Ramsey Show. Hey guys, it's Blake Thompson, Senior Executive Producer for The Dave Ramsey Show. This hour's over, but you can find more great content on our YouTube channel.

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