The Ramsey Show - App - Sell the Stupid Minivan, Not the House! (Hour 3)

Episode Date: February 18, 2019

The show about you

🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I am Dave Ramsey, your host. Thank you for joining us. Open phones at 888-825-5225. Rob starts off this hour in Chicago. Hey, Rob, welcome to the Dave Ramsey Show.

Good afternoon, Dave. Thanks for taking my call. Sure. What's up in your world? Well, I've got a weird question for you, certainly. My girlfriend and I are concerned we are putting too much towards retirement and was hoping to get some guidance on that. How can you put too much towards retirement?

Well, running the numbers, we are contributing $60,000 annually in tax-advantaged accounts. And my concern is that, you know, in 40 years, we're looking at that rate of return conservatively of 5%. I'm seeing $10 million, and that honestly seems like just too much for two people, you know? Okay. All right. Well, I have a different perspective on that. I mean, obviously, if that happened, you would have no trouble giving it away

if you needed to, to maintain yourself. Certainly. I'm an evangelical Christian, and so my view, my worldview, is that I don't own anything, that I manage what I have for God. And so in that case, I'm called to manage that for him,

which the first rule would be to take care of my own household. That's long past if you have $10 million. The second rule would be to take care of my own household. That's long past if you have $10 million. The second rule would be to take care of my retirement and to change my family tree, you know, to leave an inheritance to my children. And I'm long past that. And if you had $10 million, you'd be long past that. And then the third goal past those those things scripturally in that order is to obviously care for others and use that money for for good and the more money you have the more good you can do

um assuming you're managing it with that mindset now if your only mindset is hedonism is consumption then i would agree with you that you wouldn't need that much um and it would be it could be possibly even spiritually emotionally dangerous to have money that that much becomes turned in on one's self but that's not the that's not the theology or the philosophy i live my life by absolutely i should clarify, we do give charity currently and plan to for many years. Have you heard of the Charity Unbound? No. It's actually one of our favorites.

It's sponsoring children and senior citizens internationally. It's associated with the Catholic Church. Cool. Great. I love them because they actually give 97 cents on the dollar to the actual mission, right, which you don't see with a lot of charities. Right. Well, that's probably because they're underwritten for their administrative by the Catholic Church,

which is awesome. And so you know your giving dollar is being very efficiently used, which the efficiency of the giving dollar is very, very important. But, I mean, what if you could give $10 million to that? Or what if you could do $1 million a year just off of the interest that the 10 million creates you know or or whatever what if you just walked up and found a single mom who was struggling and bought her a car i mean you know what if you found i mean the think of the things you can do like that if you're not inwardly turned now if you're not inwardly turned. Now, if you're only consuming like a four-year-old, you're going to be an unhappy person because, you know,

stuff does not make you happy. It's okay to get you some stuff. Stuff's not evil. Wealth is not evil. But this idea that you chase that in order to be happy is a really dangerous thing spiritually and emotionally. I wouldn't do that. So all that to say, I think it would be a wonderful problem to have.

Okay. So you recommend creating a legacy sort of in terms of estate planning. Absolutely. Absolutely. Setting up charitable giving and setting up five-month periods. Do you guys anticipate having children? Yes. Go from the minimum of three. Okay, fair.

That's wonderful. Yeah. And so then you start to think about, okay, what does wealth do to children? And so there are a group of people and there are stereotypes that assume that if you had 10 or 20 million $100 million, that it would destroy your children. I have three very high-functioning adult children, and our wealth has not destroyed them. I have grandchildren that will be the same. We've taught them to work. They're in no way entitled.

They have the same worldview that we do, and if they don't share that worldview, there'll be no inheritance to them because I'm not leaving money to them to do cocaine with or ride around on a yacht um they're they're they're there to do good in the world and the wealth is a tool to do good in the world and if that's how you see it then you can raise children and not damage them with wealth as well but you could raise children that just have a reality show otherwise right yes have you have you looked into the Giving Pledge personally? Are you familiar with those? Yeah, I'm familiar. The Buffett and Gates deal. Yeah.

Yes. I think it's over 90% of your assets. You give away to charity upon your death. I think that's a mission that's really appealing. It is appealing but it, again, makes the assumption that your kids are going to mismanage the money and the charity will manage it better. And I don't philosophically line up with that assumption.

I'm okay if that's what you want to do. It's your money. I've got no issue with it. And it's certainly a thing. But we don't want to get into this idea. Because, see, what that ties into, if you believe that you must do that in order to be spiritually and emotionally whole then what you're really saying is is that the money is dirty the money is evil and the money's really not it's people that are and so if you left money to your child and it hurts your

child then then what parent would do that and if you assume that a hundred percent of the time that you do that you damage your children no but I am acquainted with and have studied several wealthy families of faith, faith families that have handed the money to the next generation and continued generationally to do good works. And I think that also is a wonderful legacy. So the idea that somehow that a charity is going to manage it better than a godly family, not necessarily true. Matter of fact, there's a lot of charities that are mismanaged. We have a family foundation. We have to study and do due diligence on them to make sure that there's something like you were talking about, 97% efficiency and not the other way around. Not a 3% efficiency, you know?

So you can't assume that charities aren't going to have a glitch as well, or a ministry's not going to have a glitch as well. There's money that is mishandled in any type of organization, whether it be a family, a church, a ministry, a parachurch organization, the Vatican. It doesn't matter where you're at. Everywhere you go, there's an opportunity for money to be mishandled, misappropriated, poorly managed, stolen, because people are involved. And so you just can't get away from that idea. So it's a fun discussion, though.

So, no, I don't think you're saving too much if you have the right worldview and mindset with the money. Hold on. I'll send you a copy of a book I did on this subject. It's called The Legacy Journey. It is written from my faith perspective, fair warning. But hold on. I'll send you a copy of it as a gift. This is The Dave Ramsey Show. There's nothing smart about smartphones

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Doesn't matter what your background is. All you need is a willingness to learn and have a heart to serve people. Our coaching team is hosting a free information webinar this Thursday, February the 21st at noon central time. If you register today, you'll be entered to win free enrollment in the Financial Coach Master Training. And we'll announce the winner at the webinar, so don't miss out. A free webinar Thursday at noon on how to become a coach.

Text the word COACHING to 33789. COACHING to 33789. Oraching to 33-789. Or just holler at our team, and we'll help you get lined up for that. 888-22-PEACE, 888-227-3223. And one of the Ramsey concierge team will help you out. Andrew is with us in Omaha, Nebraska. Hey, Andrew, welcome to the Dave Ramsey Show. Mr. Ramsey, thank you for taking my call. I just wanted to say

real quick, thank you for all you've done with Financial Peace University. You got my wife and family and myself out of a very dark place at the beginning of our marriage. Wow, well I'm happy for you. Well done, sir. How can I help today? Thank you. Well, we've kind of added to our family and ran into some medical issues. Our son has a congenital heart defect. So we've run into some medical issues and spots we weren't expecting, obviously. And we, I wouldn't say we're paycheck to paycheck, but we're pretty close to it with all these. And my wife's student loans are starting to get to a point where they're getting, you know,

they're getting a little out of control in terms of interest rate, everything kind of piling up on that. So when we started a few years ago until now using maybe steps one and two, we've gotten ourselves paid off $28,000, and we still have another $46,000 to go, including my wife's student loans. So I'm just trying to figure out what we can do to get ourselves out of this hole that we're in. I mean, we're in a big mess. Gotcha. What's your household income? We have a single income, gross 63, net 48.

Okay. All right. What do you do? I'm an IT manager. Oh, that's good news. Okay, good. And did you adopt a child that had a defect or have a child that had a defect or what? No, we had our son has a, it's called transposition of the great arts. But how old is he?

He's 40 years old. He's nine months. Okay, okay. So you had a baby that had had a heart issue okay i got you i'm catching up so um that is a you've had an open heart surgery already yeah at 40 years old wow okay so you've had um if that's me he's nine months old. If that's me, I'm just now starting to breathe. Right, right.

I mean, I got a buddy of mine who's got a baby in NICU right now. We went up and sat with him the other night, and it just takes your breath away, all those tubes and things. It's just amazing what the nurses and doctors are able to do, but it just makes your stomach hurt just standing there feeling for this little baby. And if it's your own, it makes it 10x. And so, you know, unless you're a psychopath, you've not been able to keep your eye on the ball on anything for nine months except just walking with your baby. Right.

That's all you've done. And so I wouldn't expect you to make financial traction or even good financial decisions during this nine months. So now let's just stipulate or put on the table that this is a highly emotional situation because you're human and I'm human and it's not even my baby and I'm hurting with you right now. So let's just put that on the table. Now, then let's step to the side of that for a second and look at the math because that's what you called me about and say, all right, what is the heart issue actually going to cost you going forward? You have monthly medication that insurance isn't covering, or are you expecting $500 a month in doctor bills that insurance isn't going to cover? What going forward mathematically are you anticipating?

I know you've got a lot of emotion, and I know we're going to have a lot of prayer, and I got all of that. I'm talking about the math of your $63,000 income. With that, there is Dr. Bill's. We go in quite a bit, almost monthly, for cardiologists, cardiothoracic surgeon checkups, EKGs, echocardiograms. I mean, there's a lot there. And how much does insurance not cover on all that?

I'd say our last bill we just got for last month was right around $1,000. That insurance did not cover? Correct. Okay. And so you see $1,000 a month in ongoing doctor bills for at least probably another year, right? Right, correct. Okay, all right.

And hopefully as your son heals and moves on, that's not going to be like until he's 18. We're going to see progress, and hopefully that will begin to go away over time. That we're going to see progress and hopefully that that will begin to go away over time that would be reasonable to expect wouldn't it right okay all right so here's what i want you to do i want you to do your budget and not get further into debt but pay the monthly bills pay minimum payments on the student loans if you can't pay minimum payments on the student loans call them up and put them in hardship deferral for 12 months,

and let's get 12 months the other side of this baby situation. And 12 months from today, I think your world's financially going to look different. Would you agree? Yes. The doctor bills are going to start to subside at some point. I don't know what that is. I'm not a doctor, but, I mean, this is not going to go on for 10 years.

This is going to go on for 10 or 20 months or something, right? And so let's tread water and concentrate on what's important, baby. Our son, health, is the most important thing. Keep those doctors current. Pay their bills. Be on a budget. And don't make any other financial progress. Don't be on your baby steps don't

worry about it take care of your baby okay and i mean we've got all that money set aside for those doctor bills from where for this year uh we've like i said we've been using those baby steps so we've been kind of pocketing money as things have gone on. We've taken our maximum out of pocket for the last 40 years. We've hit that with my medical issues and babies two years prior to that. So you have how much in savings? Right now, I'd say we're right about the $6,000 mark, which is what our out-of-pocket maximum is. And after that, the $1,000 a month goes away?

Yes. Okay, then that changes the equation. And that's why I'm... Yeah, so here's what I want you to do. Let's just stop a second. Here's what I want you to do. I want you to run the math out because the story's changing as we're talking because I'm getting more information. I want you to run the math out in such a way with you and your wife that you say, all right, priority number one is take care of baby and pay those bills, period.

Priority number two is food, shelter, clothing, transportation, and utilities. You have enough to do all of that, apparently, for the next 12 months. And then we begin to work on, with any other money we can squeeze out of the budget, and work on a budget now, we begin to work on paying extra on these other bills and begin to get out of debt again. If you can do that past having taken care of your son, but emotionally, you have to know that your family is cared for, that you have a place to live, and that the baby's taken care of.

Then you work on debt, not the other way around. And if you're doing all of that, then you can hold yourself to a budget. That's okay to do, but it's harder to do because you're hurting right now. You're not dealing with a full tank of gas right this second, but you can do this, and you're probably not going to make great progress until he gets a little bit of his health back. This is the Dave Ramsey Show. I get asked all the time about what people need to do to improve their family's money situation. Two of the most overlooked things are term life insurance and disability insurance.

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That's 800-356-1780 or zander.com. Kevin and Kelsey are in Seattle. I see on my screen you're debt-free. Congratulations. Thank you, Steve. Thanks, Steve. Hey, tell me what you did. How much did you pay off? We paid off $120,000 in eight in eight months wow and your range of income during

that time we went from 122 down to 90 love it very good what do you guys do for a living i am in uh real estate newly and i also manage my dad's, my family's dental practice. And I'm finishing up my service with the Navy, and I'm also a real estate agent now. Wow. Well, thank you for your service. What kind of debt was the $120,000? Oh, goodness, Dave. We were pretty normal. We had everything. We had credit cards, student loans, a personal loan, and we even had a loan from a family member. Oh my goodness. Okay. How much card debt? The loan from the family member originally took care of the car debt so that we could

buy our house a couple years ago. Okay. All right. And did you have a bunch of money saved? No, not really. Okay. All right. So you didn't even make $120, but you paid off $120 in eight months. I don't understand. How did you do that? So what we did, well, at one point we thought we were going to be big shot real estate investors,

and so there was a hotel condo in Hawaii that we wanted to buy. And in order to get it, we were going to rent it out, but we got personal loans in order to pay for it. And so we used the rental income to pay for it. And the personal loans had a varying interest rate between 6% and 13% on them. And that's kind of what we ended up deciding, that we had to sell that property in order to pay off part of our debt. Ah, okay.

Now it's making sense. So what did the property sell for? What did it sell for? $125, I think, and we originally bought it for $80. So you had a mortgage on it for $80? Personal. We used personal personal loan what i'm trying to figure out is how much of the 120 how much of the 120 is included in this deal um about 56 $56,000. $54,000 was the personal loans, and then we paid off the rest of our debt. And then what we did is we then thankfully had some in savings,

and then we had to buy a new car. So we had money to buy a car with cash, thankfully. Okay. So basically the sale of this thing bails you out is what it amounts to? Yes. Okay. Just about. Okay, cool.

Very good. Very good. Well, good for you guys. Well done. What made you decide that this was important to do eight months ago? We were actually having dinner with a family member of ours, and he's a wealthy individual and he was actually interviewed for Chris Hogan's book. And he was telling us that, uh, we were telling him

how I was asking him how I can be successful like you kind of thing. And he says, well, if you want to be successful, all you really got to do is follow Dave Ramsey because I was Dave Ramsey before Dave Ramsey was Dave Ramsey. And so I honestly just jumped on your podcast the next day, and I just pretty much drank the Kool-Aid. I got into, we got into Financial Peace University. We had every dollar. We were doing everything. I read every single one of your books, every single one of Chris's books,

Christy Wright's book, and we just, we didn't really drink the Kool-Aid. We kind of just chugged the Kool-Aid, and it's been a great time ever since. Wow. Very good, man. Congratulations. Thank you. Very cool. So you went all in.

So Kelsey, Kevin goes completely all in. I mean, he goes off the deep end. Did you go off with him, or did it take you a little while? It took me a minute. So he asked me, you know, you've got to listen to this new book. You've got to listen to Total Money Makeover. And so I was driving a lot for work at the time, and he got me the Audible book. And I listened for a couple of hours, and then I came home, and I was like,

honey, I don't know if I want to keep listening to this. He's yelling at me. But I pushed through and then I started listening to the podcast and it just, the rest is history. I mean, every single day we listen and we had our son eight months ago now. And when we started this journey, we decided that we wanted to do this for him.

So we could give him a new family tree. And, oh, gosh, it's been amazing. And we listened to everything in the car, and we talked to him about all the great things that we're going to get to do because of the program that we've done with you. Wow. Well, we're proud of you. Very well done. Very well done. So just to clarify, you are a sweet person, and you have a gentle spirit. So I wonder these days, now that you're out of debt

and haven't got this pile of stupid sitting in front of you, if you went back and listened, if you'd still hear me yelling, because I wasn't yelling. I did. I re-listened to it, and I was like, you know, he wasn't yelling. He was telling me everything I needed to hear. I didn't want to hear it. It sounded like he was yelling.

Yeah, I hear you. Exactly. I've experienced the same kind of thing a lot. That's why I thought it's very interesting to go back with a different paradigm and hear the same words said the same way. Oh, my gosh. You guys are incredible. Very well done.

How old are you two? We're 28. All right. Well done. Nicely played. How does it feel to have no payments? It's very relaxing, honestly. There's a lot of decisions that we were able to make

that I don't think I would have had the courage to do beforehand because of the debt, so to speak. So I feel as though we can make a lot more free choices and things are a lot easier to do because there's nothing holding us back sort of thing. That's the way we feel about it. Amen. And because we have a plan.

We have our budget and we follow it. And, you know, just like you and Rachel say, it feels like we got a raise because we know how much we have to spend. Yeah. Well done. Well, it's nice to have a family member that's an everyday millionaire that can encourage you and get you started. Other than that, who was your biggest cheerleader?

I think it was each other. I would come home with a new thing that I heard on the show that day, and I'd say, Babe, listen to this. Chris said this today, and Dave was agreeing with him. And I was like, I never heard it before. How do you feel about that? And she's like, Wow, that's a genius idea. And honestly, we were just back and forth with each other just giddy as school girls just having fun together, enjoying it. I love it.

And we still do that. We still talk about all the new ideas and all the new things that we're learning every single day. That's fun. You guys are in a great place. Very, very well done. Got a copy of Chris's book for you. We'll send it to you if you don't already have it. The Everyday Millionaires book and uh obviously

it'll be signed by him this time so kevin and kelsey from seattle washington 120 000 paid off in eight months making 122 to 90 count it down let's hear a debt-free scream three two one that's how it's played very very well played love it love it love it so good job you guys very good job we're so proud of you hey man you can do this stuff folks it's that's an interesting call. I don't know that I've had that. Well, I've not heard that call for sure. I don't know that I've had that conversation where a family member who was wealthy was interviewed by us for the book The Everyday Millionaire. The young nephew or niece or whatever has dinner with them, and they say, do this, and you'll be here.

And so they start doing the right steps. That's very encouraging. That's very cool. Yeah, this stuff's starting to spread like wildfire here. Yeah. Well, you keep listening to the podcast. As you get out of debt, you'll feel less and less like I'm yelling. I love it.

You're yelling. That's perfect. This is The Dave Ramsey Show. Thank you. Our scripture today, Romans 5.5, that hope does not put us to shame because God's love has been poured out into our hearts through the Holy Spirit who has been given to us. It's President's Day, a couple of President's quotes. Barack Obama said,

We choose hope over fear. We see the future not as something out of our control, but as something we can shape for the better through concerted and collective effort. George Washington said, the harder the conflict, the greater the triumph. Grace is with us in Dallas, Texas. Hi, Grace. Welcome to the Dave Ramsey Show. Hi, Dave. How are you?

Better than I deserve. What's up? Well, I wanted to thank you for taking my call. Our pastor started this year off with a message, Broke is Normal, Be Weird. And it brought me to your book of Total Money Makeover, which I just finished reading on Friday. Cool, thanks.

And, yeah, it was amazing. I felt like you were giving me power to take control. And I'm sorry I'm so emotional. It's okay. So we're trying to get everything in order. I've been using everyday dollars since October. And that was life changing to see the reality of your situation. And so we were looking at our debt, and when I finished reading the book, you had that last testimonial where the Morrows, I think, they talked about how they sold their house because they had the equity to pay off all their debt. And we have that burden lifted off? Okay.

And now you're at step four. How much debt do you have, not counting your house? $64,000. Okay okay and what is your household income it's about a hundred a year um net a month we're getting 6500 and our expenses are about 5500 okay and but that's including our tithing. Yeah, and so you still have 401K or something coming out of your check other than taxes. Yeah, my husband isn't sure if he's able to stop that. He works for the city of Fort Worth as an officer. And I just stopped mine last week while I was reading the book.

He said to do that, so I went on to Fidelity and put it to zero. Well, he may have a mandatory withdrawal or a mandatory retirement contribution, but he needs to find out what the deal is, because you're not getting home with nearly enough money. How much was your tax refund? Last year, it was about, oh, I think it was almost $10,000. Okay. Yeah, I was thinking that we were going to hear something like that. Because, see, $100,000 is $8,300 a month. To get down to $6,500 is $2,000 a month coming out. That's wrong. Okay?

Now, some of that was going to retirement, and some of that is going to retirement. So we need to find out about the retirement, and then you need to get with a tax professional and determine what your proper withholding is and adjust your withholding because you don't want to have big tax refunds. That's just loaning the government money tax-free or interest-free all year long. Now, your home is worth what? Our home, we spoke to a realtor yesterday who said that we would probably get anywhere between $285,000 and $295,000.

Okay, and what do you owe on it? We owe $94,000. Okay, all right. Do you like your home? It's not our dream home. Do you like your home? Yes, we like our home. How long have you lived there?

Eight years. And your children are how old? We have a 10, 11, 13, and 16-year-old. Okay, and so they're all in the school system associated with this home. Yes. So moving is a traumatic thing for you guys. Yeah. Yeah, that's why the emotion, right?

Yeah, and we even asked it real quick. It chokes you up thinking about it. thing for you guys. Yeah. That's why the emotion, right? Yeah. I mean, we even asked it real quick. It chokes you up thinking about it. It does because, I mean, my mother passed away two years ago and I even planted a tree out front for her, you know. Yeah. Do not sell your home. Okay.

Okay. You don't need to sell your home. It's going to take you between two and three years to get this debt cleared. How much of the $64,000 is car payments? $34,000. $34,000. And what is the most expensive car? It's the minivan.

That's the one that's causing me issues in my head. What's the most expensive car? How much? We owe $24,350. $24 of $64 is one car. That's what I would sell. When I

looked at Blue Book, because I looked at selling it, I even called the loan company, the bank, and they said that the Blue Book, it's valuing the car, the minivan, at $15,000. And so I was like, if I sell it, I'm so old. That's a banker giving you a banker answer. You need to go to Kelley Blue Book and look at private sale.

That minivan is probably worth $19,000. And if you sold it to an individual, which leaves you $5,000 in the hole, and if you had to borrow that $5,000, I'd rather you be $5,000 in debt than $24,000 in debt. Oh, by the way, we're going to keep your house with the tree in the front yard that you planted. Right. But we're getting rid of your stupid minivan. Right. Okay.

All right. Now, the second thing you're going to do is you and your husband are going to have to sit down and finish. Right. but now you're learning what to do. At this moment, I sense he's gotten either. He's gotten on board this weekend because we really sat down and spent many hours talking about our options, and he's cracked the book open. Okay, good. So it's just starting. I thought so. I'm not saying he was pushing back, but I knew he wasn't there yet. So we're just getting involved.

And so, no, you do not need to sell your house. Yes, you need to get on a scorched earth budget, no eating out. You don't even need to be inside of a restaurant unless you're working there as your extra job, okay? And no vacations and no nothing. And the answer the kids get to every question is no. Okay. We're keeping our house. No. We the answer the kids get to every question is no. Okay. We're keeping our house. No.

We're selling the minivan. No. We're going to be out of debt in two years. We're not going to have any payments but a house payment. How's that going to feel? So good. You can do that in two years when you sell this stupid minivan. This is going to work for you.

Okay. Now, have you guys gotten signed up for Financial Peace University yet? No will be you are now you're going as my guest oh thank you all right i'm going to pay for it and you guys go in there you are ripe for the picking you're going to do this stuff you and your husband both you're open you're ready to learn uh when the student is ready the teacher just appeared and i'm going to show you exactly what to do and You're ready to learn. When the student is ready, the teacher just appeared. And I'm going to show you exactly what to do. And you're going to score touchdown after touchdown after touchdown like you're in the dadgum Super Bowl. I'm so proud of where you're going to be already in two years.

I can see it so clearly. When you were willing to do anything to win and you called me up being willing to sell your house, you're willing to do anything to win, and you called me up being willing to sell your house. You're willing to do anything. When you're ready to do that, you're ready to win. People who want to ish stuff are the ones that don't win. You're ready. You're sick and tired of being sick and tired. And when you get there, that's when you change your life.

You have officially said, I've had it. And when you get there, that's when you change your life. You have officially said, I've had it. And when you get there, I can help. You hold on. Kelly will pick up. We'll get you guys signed up for the nine-week class, Financial Peace University. We're also, when you sign up for that these days, we throw in a year membership for the online experience of Financial Peace, which is all the classes, all the online. Every dollar plus is included.

All of that is my gift to you. And you call me back and tell me how you're doing. And if you've got any questions or you get scared while you're working on it, you call me. And when you get your debt free, you call me. We're here to help you. That puts this hour of the Dave Ramsey Show in the books. I'll be back with you before you know it.

In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Hey, it's Blake Thompson, Senior Executive Producer for the show. You know, you can listen or watch anywhere with the Dave Ramsey Show app on your smartphone. Catch the full show or watch the highlights and check out Dave's upcoming guests. Head to the App Store and download it today.