The Ramsey Show - App - Should I Go After My Ex-Wife for Child Support? (Hour 1)

Episode Date: September 23, 2020

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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. I'm Dave Ramsey, your host. Thank you for joining us. Open phones at 888-825-5225.

That's 888-825-5225. Hannah is starting this hour in Atlanta, Georgia. Hi, Hannah. Welcome to the Dave Ramsey Show. Hi. Thanks for having me. My pleasure. How can I help?

Well, I have a question about an income on a property we're fixing to sell and what we should do with that money. Okay. So you're getting ready to get a big check. Well, it's not huge, but it's $29,000. We pay for the property in cash, and now we're going to sell it. Okay. So we are in to sell it. Okay. So we are in baby steps four through six.

We currently have $20,000 in an emergency fund. And I have an idea of what I'd like to do with the money, but I want to make sure it's in line with your principles. Okay. Well, four through six says 15% of your income should be going into retirement already before you called me. Five says you're doing something towards college. How old are your kids? Yes. We have a nine and a five-year-old.

And how's college funding going? Good. Good. We started that up last year. Okay. And how much do you owe on your home? 223. Cool.

All right. Well, our baby steps five and six would say you would either use this money to really beef up and leapfrog forward in college or you'd throw it at the mortgage. Okay. What do you think about putting some of that into a fund that would be for a future vehicle and just go ahead and put that to the side? When are you going to need a vehicle? We're hoping not for the next three or four years what's your household income um about 140 no save up for the car okay no let's just let's make progress on one of these other two things let's get the uh i mean you know if you said i need to buy a car in the next six months, okay, maybe let's talk about that. But this is just way distant out there, right?

Okay, yeah. You got a good income. You can save up and buy a car. You just got to plan out there eight or ten months to do that with your great income. And you're so in control. You're so dialed in. Well done. Very well done. Thank you.

Yeah, you're kicking this, kiddo. Good job. Brian's in Morristown, New Jersey. Hey, Brian, welcome to the Dave Ramsey Show. Thank you, Dave. Thanks for taking my question. How are you doing? Better than I deserve. What's up? So right now, my girlfriend's in her final year of vet school, and thankfully, up until this point, um, her parents have been able to help her pay for all of that school. Um, and she hasn't had to take out any debt. Um, however, this year is her final year and she'll be taking out about 45,000, um, in loans. And, and I'm next week will be about five years that I've been dating her.

And honestly, next year and a half or so, I intend to ask her to marry me. You're a speed demon, aren't you? Six and a half years? Dude, you must be a prize. She's waiting on you. You know what? She probably still has another four years of residency to go in order to get a specialization. So she's going to far out educate me. That's what I've long accepted. But my question is, how would you recommend that I help her tackle the debt. I'll say that right now my income, my standard income is about $90,000.

However, I'm planning on the net worth to be a little over $200,000 for the year. And right now my biggest expense monthly is my rent, which is about $1,900. is come up with a plan of her tackling 50% of her debt from her income and me trying to offer to cover rent. What's your thought on that? I think you're playing house before you're married. I wouldn't be paying bills for anyone that I wasn't married to under any circumstances because of all the downsides. And it messes with the relationship as well.

Your girlfriend or your fiance has a different feeling when she walks in the room and you're carrying the financial burden. If it's your wife, it's a different thing. Because once the preacher says, and now you are one, we do your wife, it's a different thing. Because once the preacher says, and now you are one, we do this together. It's all together. So I would do one of two routes. I would go one end of the spectrum or the other to maintain safety in the relationship, the legal standing, and the financial standing.

Route number one is you continue with the calendar that you're using, and you just pile up a big old pile of cash over on your side of the equation so that when you come home from the honeymoon, you write checks, and all of her stuff goes away. Okay? Okay. And it has the exact same mathematical effect at the end of the story. Yeah. It just doesn't in the meantime.

And by the way, the borrowing, if she's doing doing it now is not putting any strain on her today it's when it comes due later that it'll be a strain yeah so it's not a big deal for to do to do it that way the second way is to reconsider your calendar and that sounds like uh get married now or sooner very soon and then we've just got a combined income and a combined set of goals, and you take your fabulous income and plow her on through vet school. Yeah. Nothing wrong with that plan either. I mean, it's not like you guys ain't been hanging out together.

You didn't meet her five and a half days ago in a bar. It's five and a half years ago. So, you know, that's not an unreasonable consideration um so uh uh because it you know unless something really weird happens this is probably going forward for the way you've described it i guess eventually but uh but yeah you know again you do what you want to do i uh i would have a tendency to go towards the second one just on a personal level, on a relational level. There just feels like there's just this separation, and we're trying to do it together, but we're not together. And it's like dragging out, and it's already drug out a long time anyway.

And we're dragging it out even further now, and it's a biff. I just like the cleanliness of going ahead and getting married in terms of the relationship, the legal, you don't have to worry about anything. And that's how I would do it. So, hey, thanks for the call. And I would not buy property together when you're not married, folks. I wouldn't combine incomes, combine assets when you're not married. You get yourself in trouble. So, good question, Brian.

Thank you for calling in. So guys, you're listening to a guy who's been doing this for 30 plus years. And so I've seen all the bad stories too when things don't turn out like they're supposed to. He buys a house with his girlfriend. They shack up. She gets killed in a car wreck. Now he buys a house with his girlfriend. They shack up. She gets killed in a car wreck. Now he owns a house with her mother because there was no will

and he's not an heir. He's just a boyfriend. Four times I've seen that scenario. Yuck. This is the Dave Ramsey show over the years I've seen so many families suffer by not having life insurance it's not that they didn't care it's just that they didn't know so It's just that they didn't know, so they did nothing. That's a huge mistake. Listen, husbands and wives, moms and dads, think about it. If you died, how would your family pay the bills, the mortgage, food, and plan for a better future?

This is what life insurance is all about, and term life is the only way to go. It's not expensive, and it's not complicated. Stop wasting money on cash value plans. You need 10 to 12 times your income in protection and I recommend 15 or 20 year level plans. I also only recommend Zander Insurance and I have for over 20 years. These are the only people I personally use and they only offer the plans i recommend call them at 800-356-4282 or get instant quotes online at zander.com trust me these simple steps will let your family know how much you care This is the Dave Ramsey Show. We teach you to live on less than you make.

A concept Congress can't grasp. Thank you for being here, America. Open phones at 888-825-5225. It's 888-825-5225. Gustav is with us in Raleigh, North Carolina. Hey, Gustav, what's up? Hey, Dave, how are you doing? Better than I deserve, man. How can I help?

Yeah, sure. So my question is, should I pursue my ex-wife for child support? Was she obligated to pay it by the court? So last year, I got paid in custody of my child. And so I used to pay child support. I terminated child support at that time. And I also applied for child support from her. With COVID and everything else, there was a big delay in the court system. So yesterday she talked to me.

We're trying to ask about what we're going to do about the child support case in October. She has three other kids. We together only have one, but she has a total of four. I make more than her. But I'm coming to the standpoint where she has a financial obligation to participate but the other side is should I be compassionate and be forgiving that she does have other obligations and give her that grace

and not seek child support. Well, this is not about you having compassion or grace regarding something that's owed to you. It's not owed to you. It's owed to your child. So on behalf of your child, should you let her go, would be a better way of asking the question. What do you make? My base is $140 a year. What does she make?

$45 plus. Is she remarried? She is currently married, but she might be going through a... They're separated now, so there's a foreseeable divorce in the future. What a nightmare. Right. So she's had a recent selling of a house that they lived in. She's downsized to something a bit more affordable for her and the other kids. You have 100% custody now?

Correct. How old is your baby? He just turned 14 on the 15th. Okay. All right. Well, I see your dilemma, and I share it. In other words, you don't need the money. You can take care of the baby.

You make $140, you can take care of a 14-year-old. And you don't need the money. The kid's going to be fine. We don't have to have this money for the kid to have, in quotes, the good life financially. Dad's going to be able to handle that. You've got 100% of the responsibility anyway, so it's no big deal from a mathematical standpoint to let her go. You got it, right? That is correct. Yeah, so the only dilemma is, is there some kind of a moral or ethical thing where she should take care of one of her kids and should want to and should

participate in that and so on. And, you know, that's on her, really. And do you try to force her into that? I don't know. I mean, I'm listening to the way you're forming your sentences and the way you're delivering these words and i think in your mind you've already let her go haven't you i i have i would hate for her in the future to grow up as a person and reflect and say wow maybe i didn't participate and have that regret yeah but by having her pay even the minimum child support, she would have that, you know, that sense of I've participated. Yeah.

But that's what they're going to have to do. Well, that's, again, I mean, you could lay that on her anyway as you walk away. You could just say, hey, when you get yourself together, I think you'll regret it if you don't come and start participating, but I'm not going to legally force you to that has the exact same effect because you're now you're worried about how she ends up in the end of the story with regret and i mean she's she's obviously got had all kinds of relationship issues in her life um and so, you know, uh, I think it probably makes your life simpler and more peaceful

to let her go. I, I, I'm not sure I'm a thousand percent ready to say that's the moral or ethical thing to do because I'm just real big on babies being taken care of by their parents. It just kind of generally has a burr in my saddle about that, you know. But I get the whole situation. This baby's not in peril. This baby's fine. You got the kid.

You got the money to take care of the kid. There's nobody at risk here. It's just an emotional discussion. And if you let her go, can you really emotionally let her go can you just say that's it and and not worry about it ever again not wake up in the middle of the night pissed off i can okay i could i could because i can do that once i decide to do it uh if somebody wants to fight i can wake up in the middle of the night 10 years mad about them later but uh but i can let them go and i don and I don't lose an eye wink asleep over it ever

because that was my choice. So that's how I do forgiveness and stuff. So, you know, I'm just two guys talking through it, dude. There's no legal stance here from me. You know, I don't have one. There's no moral stance here from me. It's just I think you're probably going to have a better life. Your kids are probably going to have a better life if you let her go.

It's what it sounds like to me. Okay, great. I appreciate that advice. You think about it, and you may want to lay it back on her and say someday I think you'll regret it if you don't come up and participate at some point, but I'm never going to do that to you legally. And then sign a document legally that lets her go so you don't have any temptation to change your mind later. Cut it.

Cut it free. Cut her free. This is the Dave Ramsey Show. Open phones at 888-825-5225. Had a guy a thousand years ago when I was a little twerp that I loaned a thousand bucks to and that was stupid on my part because he was stupid and I was stupid and there's a thousand dollars in stupid going on in the story before I even opened my mouth you need to know this and I got man I was so twisted up because I was I think I was mad at myself because I mean if you loan broke people money

and they don't pay you whose fault is that that's your fault not the broke people they were already broke you're dumb you know so that's me i was dumb and so how what right have i got to be twisted up because broke people don't pay bills hello no kidding why is this you know dumb butt and so um you know and i'm just mad at myself and every time i see the guy i was just like and finally i just woke up one morning god said my son you're a fool i said yes father i am he said let him go because he's got you around the neck and that's the best thousand dollars i ever spent my life just letting that guy go because it't him. He wasn't having any trouble with it. It was only me. He wasn't worried about it.

He wasn't going to pay it anyway. It was only me that was worried about it. So that's a good $1,000, man. I got a whole bunch, $1,000 of stupid tax, tuition to the school of life of doing stupid butt stuff, and it cost you money. How many of you all lost money doing something stupid, and you learned the lesson, and the lesson was worth more than the lost money because you never have to do it again? I got the whole rest of my life to never make that mistake again.

It's awesome. And if you have a whole bunch of those, they eventually call you wise because you got a whole bunch of stupid butt stuff that you never do again. And a whole stack of those things, and now you're called wise. So, but that's the thing. It's just there is such a power sometimes in your own life. Oftentimes, I know for me it is, just let them go. Just let them go.

Let them go. They're not worried about it. You're the only one worried about it. It's a great call, sir. Thank you. Thank you for reminding me. What a good guy, though. I even asked that question. What a great guy. This is the Dave Ramsey Show. Thank you. 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. Salt Lake City is on the line. McKenzie and Lauren calling in to do a debt-free scream. Hey, guys, how are you? Doing well. How are you doing, Dave? Better than I deserve. How much have you two paid off? We were at $28,420 in about nine months.

$28,420 in nine months. Way to go. What was your range of income during that time? We were at $103,000 to $117,000. Wow. What do you guys do for a living? I'm an engineer over at Micron Technologies. And I'm a stay-at-home mom. Very cool. Very cool. What kind of debt was this $28,420? We had about $12,000 on a car, about $1 car about 1500 medical and then the rest credit card cool how long you guys been married um we have been married for nine years okay so after eight years of

marriage someone said uh this debt thing sucks what happened tell me your story so uh we we maxed out our credit card and uh i pretty much said we've got to do something about this. Lauren came home one day, and she said, we have this budgeting app every dollar. I said, I don't want to do that right now. Let's think about something else. And I think within like a day or two i i had heard dave ramsey uh and i said let's listen to this podcast not knowing that every dollar was part of your system oh that's fun yeah i love it we're everywhere you can't get away ha ha ha ha right i love it well

done dude very cool so you start listening to the podcast and then turns out that uh lauren's every dollar Idea was a good one. And then what happened? Yeah, so then we just started going to it. It was pretty quick. So she was driving me to work every day because we were down to one car. We started saving up for a second car, but we were listening to the podcast together. Yeah, and then we just kind of just kept going and kept paying, and finally we were listening to the podcast uh together um yeah and then we just kind of just

kept going and uh kept paying and finally we were debt free well it rolled up pretty quick didn't it yeah it was amazing i think once we got focused and we just wanted to be done and so we just took off yeah yeah and once you got on the same page yes Yes, of course. So before the credit card got maxed, which was kind of the pain point that kicked you off, kicked you back on your heels a little bit, and then suddenly the EveryDollar app arrives and then suddenly podcasts start popping up, oddly enough all about the same time. But before that you were just kind of wandering along doing normal? Yeah, I mean, so I went to school, and we didn't have any debt.

We went through school, no loans or anything like that, just working our way. And we moved down from Idaho to Utah, and we put the move on the credit card. That was pretty much the first time we went into debt. And then after that, it kind of just piled up. We went on a trip, and we put a little bit on there. It kind of just was gradual. Yeah, yeah. And really, if you don't pay attention to it, it unravels pretty quick.

So there you sit, $28,420 in debt. How old are you guys? I am 30. I'm 33, and we've got two kids, six and two. Perfect. You guys are incredible. I'm so proud of y'all. Thank you.

Well done. Very well done. How does it feel to get out of debt? It feels like a huge weight is lifted. It's not in the back of my mind anymore, and it just feels amazing. Will you ever go back in? No. No way.

We're focusing on Baby Step 3. And so for me, financially, it hasn't much changed because everything is just going to savings right now. Yeah. But, I mean, I know that we've got that money. So, like Lauren said, it was a big burden lifted off. Well, you've got a great career. You've got a great family.

You're going to be able to plow right into millionaire status as one of the next chapters in your story for sure. Yeah, that's our goal, I think. Eight years is our house. Hey, there you go. Got a target. I love it. Well done, guys.

Who are your biggest cheerleaders outside of the two of you um listening to the podcast every day our kids they um would ask to listen to you every day and so that was a big help listening to um other people calling into your show we were pretty quiet about it okay well that's sweet that you made your kids weird. That's fun. Oh, man. They pretend to be you in the car. So one of them will say, I'm Dave Ramsey, and you're here to do your debt-free scream. That's perfect. Are they going to help today? Yeah. We've got one of them. The other one's running around somewhere. All right. Well, well done, you guys.

Great job. What do you tell people the key to getting out of debt is? For me, it was getting Lauren, I guess, focused on the money. She would kind of just go out and buy something, not really know what our situation is. But if anything came out of this this it was us being on the same page with money uh and staying focused on it being organized i think using the every dollar app was huge for me um i tracked everything that we did and um so i think that that was a huge help yeah way to go guys very well done all right mckenzie and lauren salt lake city utah

28 420 gone in nine months they're done they're done they did it we got a copy of chris hogan's book for you everyday millionaires because that's the next chapter in your story for sure. Count it down. Let's hear a great debt-free scream. Three, two, one. We're debt-free! I love it! Love it. It is more than just a little interesting to me, after having done this show for 30 years now, the number of young people in their 20s and even 30s that come to do their debt-free scream,

that couple was not the case, but I was thinking more of their kids, that are financial peace babies. Their parents went through FPU 15 or 20 years ago, and now they're 27, and they remember those lessons when they got married and found themselves in a mess, and they get themselves out. And so maybe I'll live to see three generations doing this, financial peace grandbabies, you know, or something like that. And somebody started calling them Dave babies,

and that's not going to be okay. We don't want to say that. But financial peace babies is what we're going to call them so uh but the uh yeah that young child there i think it was her son probably that did the countdown he's eight years old think about stuff you remember that your family did or went through when you were a kid, good and bad. Tragedies, financial problems, illnesses, divorces, milestones when wonderful things happened and the family declared victory. That's what this is. It marks your kid. It's a milestone is it marks your kid it's a milestone it marks it and they can't keep

from remembering it so he's eight when he's 28 and married a girl who never heard a financial piece with 126 000 dollars in student loan debt to get a degree in left-handed puppetry he will sit down and say, we have to clean this up, my dear. And he won't even realize why he's doing it. That's how you change your family tree. It's ingrained. It becomes part of the DNA of the fabric of the family.

Families have generational stupid. Families have generational smart. The rich get richer and the poor get poorer. Yep. Because rich keep doing smart stuff with money and poor people keep doing stupid stuff with money. Now, there's other reasons people are poor other than just doing stupid stuff. But when I was poor, it's because I was stupid. And when I quit doing that, I wasn't poor anymore. Ha! It was an amazing thing. So, not shaming the poor. Dave Ramsey shames the poor.

Oh, shut up, you left-wing moron. But the truth is, I'm not shaming anybody. The point is, I'm shaming behaviors, and you can change your family tree. You can reset the fabric and the DNA of how your family thinks. You don't have to have shame-based things in your family. Well, our family always struggled with... Why? Stop it. Stop it. McKenzie and Lauren drew a line.

They changed their family tree. And they celebrated it today. Proud of you guys. Well done. This is the Dave Ramsey Show. So how many people are stressed out because their retirement plan took a hit this year? Maybe you were super close to retiring and now you're wondering if you should work a few more years. Maybe you weren't investing in the right things, or you were investing aggressively,

and you lost more than you could stomach, or maybe you panicked and you pulled everything out at the bottom, like the exact wrong time, hello? And now you're wondering where you go. Well, if you're in one of those situations, I want you to know you don't have to face the pain alone. Now more than ever, seek out the advice of an investment professional, a conscientious investment pro like one of our SmartVestor pros.

They're not going to tell you to invest in something dumb like gold or Bitcoin. They're going to tell you to spend a ton of time looking at your current situation, help you create a plan you design, you understand, and get back on track. You do not have to let 2020 kill your confidence in your retirement. Go to DaveRamsey.com slash SmartVestor. Find an investment pro in your area. Never again face a global crisis alone. You need people to talk you off the ledge. DaveRamsey.com slash smart investor. You guys jump in. We'll talk about your life and your money. Open phones at 888-825-5225. You jump in. We will talk about you right in front of you.

And, you know, here's what's interesting. The Dow Jones Industrial Average, I'm just pulling it up while I'm yakking here because I just started wondering after talking about the SmartVestor Pros. Let's see. What is it doing today? Okay. I opened at 27, and it's at 20 right at 27 okay so you remember like in january and february when we were like the worst thing we were worried about

was fires in australia and uh then all of a sudden the fires in australia were bad and covid was bad and then tornadoes came uh and then fires out west and then covid was bad and then tornadoes came and then fires out west and then COVID was bad and then then politicians are morons and then we shut the economy down and then politicians are morons and then there was fires out west and then you remember this year is a dumpster fire it is for real 2020 I am going to celebrate you leaving i'm having one hellacious new year's eve party but you remember what happened to the um stock market in march april when the economic suppression was put in place by your politicians stock market dove y'all remember Suppression was put in place by your politicians.

Stock market dove, y'all remember? You remember Ramsey Personalities did 478 media hits in 32 days. 90% of our media hits were Chris Hogan, me, Rachel Cruz, whoever, looking at the camera going, don't sell your freaking retirement. It'll come back. It's down temporarily. It'll come back.

The only reason it gets hard on a roller coaster is those that jump off in the middle of the ride. Ride it, baby. It'll be back. And we actually pulled back up. It broke our new record a few weeks ago, the stock market did, meaning that it recovered completely. It was a record in January, and then it came back in August and set another record. And so it took like, I think we counted up, I think it was 57 days for it to fully recover.

Did you hear any news media doing a story? The American economy is so robust that it completely recovered from the worst economic false shutdown in the history of the world in 57 days. Did you hear that as a headline? Nope, you didn't. Did you see some headlines when it was diving that you were going to die and the world was coming to an end and you should tune in tonight because there's also going to be a tornado did you see those headlines if it bleeds it leads and you people get addicted to fear fear porn and you sucked in by fox and cnn and your news. And you sit with your kneecap pressed to the edge of your television, knowing that your world is coming to an end.

And never once do they tell you the truth. 57 days later, I believe it was 57, might have been 56, but somewhere right in there, the stock market completely recovered. So with this environment that you and I live in, you have to put some people in your corner with your investments that will look at you very clear-eyed and say, don't make decisions when you're freaked. Don't make decisions when you're drunk. These are two dumb times to make big decisions. Put the wine down and sit down. No, you're drunk these are two dumb times to make big decisions put the wine down and sit down no you're not cashing in your retirement i'll choke you because people cashed it in at exactly

the bottom didn't they how many of us know somebody cashed in at the bottom i have friends and they're freaking friends of dave ramsey who cashed it in at the bottom i couldn't stop them from doing it they were freaked out and they ran out into the interstate and got run over by an 18-wheeler. You become financial roadkill because you're panicked like a deer. You ever see these squirrels? Squirrel runs out in the road, can't decide which way to go, boom, boom. You make squirrel decisions when you freak out. You get stuck. You get paralyzed

by fear, and you do stupid butt stuff, and you need somebody in your corner. So the Dow Jones Industrial Average is approximately $27,000 as I broadcast this particular episode. $27,000. $27,000. And I'm the same guy in 2008 when it went from $13,000 to $6,400 that told you not to cash out then. It went in half that time. This time it didn't go in half. It went from about $28,000 down to about $19,000 and then came back in 56 or 57 days.

Now, I understand it's scary. But that doesn't mean you step on the gas and let go of the wheel. You just have to have... If you hit ice driving down the road at 60 miles an hour, what do you do? Slam on the brakes?

No. This is how you total your car, fool. You let off of everything and just let it roll through baby and hold the wheel and hopefully course correct a little bit but into the steer into the slide but i mean you don't step on the brakes and you don't step on the gas and there's some common sense aspect of this whole thing. Did you sell your house when houses went down in value? No, because you knew houses would come back. Same thing here. Same thing here.

So nobody gets hurt on a roller coaster except those that jump off in the middle. I wish I had told you something different one single time so people could say I was inconsistent, and they would be right, but they're wrong. I've told you the exact same thing about investing for 30 years. And by the way, it's what I personally do with investing. My only temptation is, and I don't do it, but my only temptation is when the stock market goes down like it is to invest more. And I don't even do that because I don't believe in market timing. I just invest and invest and invest and invest and invest.

And I want to be consistent with who I say that I am. And I don't want to tell you to do something that I don't do with investing. So 100% of the things that I teach you to do with investing, I personally do. And I've just got some more zeros on it. But that's it. It's just, you know, so I don't even invest when I'm tempted to. But I mean, think about it. Think about this, okay? If the stock market recovered 30-something percent in 57 days, and you had put in a million dollars what would that have turned into see that's tempting that right there's some tempting numbers and i knew that was coming i didn't know it's going

to be 57 days or 157 days but i knew it's coming back and i'm thinking dad come it oh i can but i you know i don't i don't violate the principles that I live by for greed or for fear. Because when you do, that's when you get stepped on. That's how it works. So get with a SmartVestor Pro. Get some people in your corner that calm your butt down so you don't freak out in these weird times that we always are going to have. After COVID, there will be something else. After COVID, there will be something else. After 2008, there will be something else. After 9-1-1, there will be something else.

After Black Monday, 1987, there will be something else. There's always something else. This is the Dave Ramsey Show. Dave here. We just launched a brand new survey, and we'd love your feedback. 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.