The Ramsey Show - App - Strive to Be Effective...NOT Busy (Hour 2)

Episode Date: September 2, 2020

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is The Dave Ramsey Show, where America hangs out to have a conversation about your life and your money. I'm Chris Hogan, and hosting along with me this hour is John Deloney, and we are excited. We are probably the two most likely to get into trouble on the air together, but we don't care. We will take risks. We will talk to you about things that are on your mind. Deloney is the live wire. I am the sweet one.

And Kelly just gave me a look as if. Anyway, I'm not talking about that. Hey, listen. Chris, listen. You you listen let's be honest has anyone in your lifetime ever said chris you're the sweet one end quote i don't think that sentence has ever been uttered in the history of the world well john is out of his shell and and and on right now uh you're right i've never told that, but there's a first time for everything. From this point forward,

I will refer to you as the sweet one. Thank you. Thank you, John. I appreciate it. We are looking forward to taking calls today with Dr. D and the sweet one. All right. Listen.

All right. Listen. We're ready for your calls. Dr. D has been for years dealing with people that are walking through tough spots, relationships, tough situations in parenting. You got a lot of experience, my friend.

You've navigated some stuff and been able to guide some people. As have you, and that's why I'm glad to share the stage here with you and be able to help out folks across a wide range of challenges. Well, dude, there's a lot of stuff going on in the world today. It is. And people are waking up, John, feeling more lonely, I think, more scared and more frustrated and irritated than ever. And so glad to have you on here so those people can reach out

and have somebody to talk to. Life's not meant to be done alone. I want to lean into that because i i've had this thought the last couple of weeks chris and i think maybe one of the chief addictions of our time is busyness and the busier we are for the last four or five or six years we've gotten busier and busier and faster and consuming more and running faster and doing and doing and doing and getting more and i just got to get the next job the next thing and the next thing and then covid comes and they say you can't leave your house then you're faced with this ugly ugly uh piece of glass called

a mirror and you just got to stare yourself down right and say if i'm not running who am i and all those demons catch up with you at that point. Right. And I think globally, I think across this country, people are, I've been having to look in the mirror and say, is, is this what this is? Is this,

is this what I've been working like this for? Is this what I've given up sleep and I've given up hours with my kids and time with my, with my partner? Is that what this is all about? Wow. And I think we're all having to wrestle with it. Yeah. You know what I mean?

Oh, I do. I absolutely know what you mean. I mean, you know, especially having traveled so much, right? And then all of a sudden now that's not an option, right? You can't go do the thing you're built and wired to do. So now you wrestle with that. But I think in this period too, John, we've had people that have been able to breathe a little bit.

Well, I think it's a good thing. I think it's a good thing. Yeah, I think people have been able to breathe a little bit and go, wait a minute here. Okay? And I think you're right. I don't think we're designed to be busy. I want to be effective. Yes!

Right? Yes! And so you can be so busy that you think you're doing stuff, but you're really not. Right. And if we start to classify busy that you think you're doing stuff, but you're really not. Right. And if we start to classify busy as a drug, then I have to ask myself when I think, I just need to go do one more thing. I need to go do one more thing. If we will ask ourself in that moment, what are you hiding from, Deloney? Who are you not having a conversation with?

What are you ashamed of? What little voices are telling you you're not good enough unless you go accomplish something, right? It allows me to think of busy as doing one more thing as the same question I would ask myself if I was having too many drinks. Or the same question if I was thinking about stepping out on my wife. Or whatever those other addictions are that are big and bold and we know them. We have groups for them. We don't have busyness anonymous. There is not a busy anonymous.

But I'm going to tell you, the membership would be high. It would include all of us, right? Seriously. This is an all-inclusive club. If we had busy anonymous and then stressed out anonymous. The people not in the club would have to go check on them. There's only a few folks. Because they're lying.

They're lying, John. That's right. All right. Listen. Boy, boy. You's only a few folks. Because they're lying. They're lying, John. That's right. All right, listen. Boy, boy, you just tapped into something there. So, all right, listen, John. I want to, at some point, I want to come back to this busy, and I want you to give us tips on how to not be busy. Okay.

All right? If this is something that's a problem, and I agree with you 100%, then what do we do to not be busy? Or how do we begin to take control? Because I want to come back to that because I think that's helpful. All right, listen. See, this is what happens when he and I get on the air together. We start having conversations.

I forgot y'all were there. All right? Listen, we're here for you. The number to call is 888-825-5225. Again, that's 888-825-5225. I know without a shadow of a doubt some of you are out there wrestling with relationship questions or issues. You've got some tension maybe going on between you and your kids, whether they're younger or older, and you want some guidance or want to know what to do.

Or maybe you've got a money question. You say, I've always wondered about, or I'm tired now, Hogan. Never again am I going to find myself in this position where i wake up scared i go to sleep scared and i walk through the day scared financially and i want to redefine scared scared is not um boogeymen and guys in masks at the door scared is i can't catch my breath scared is i'm not sleeping scared as i go to close my eyes and i think nope i'm just gonna get back on instagram scared is this series of behaviors that we think is normal scared is you know what i'm just gonna have another large pizza right i'm just gonna have

two more drinks i'm scared as these we like to think scared as scared as in the movies right or scared as a guy with a hatchet no man we know we're scared when we start doing these behaviors that aren't healthy, that are hurting us in the short term and in the long term, and they're covering up those. The real things. The real things, man. Let your never again moments be now. Yeah, well, and I feel that in talking to people, especially on my show, the Chris Hogan show, people are telling me that they've reached that wake-up call moment where that thing that happened and they go, I'm just tired of feeling like this.

I'm done. I'm done. I'm done. And I think the best thing you can do is if you're out there and you're feeling that way is to reach out, number one, and have a conversation with someone. Don't feel this stuff alone. And I am a master isolationist. Um, I'm a professional, uh, and learning that that is an unhealthy way of really walking through things that you have to talk to people.

You've got to be connected because we're all feeling stuff right now. Right. We really are. That's right. Uh, good, bad or ugly. You're feeling it. And I think one of the good things about that is that you're alive, right? You have an opportunity to make a difference and do some things a little bit different.

And so I want you to reach out to us. You can find us on all the social media. John was not necessarily on the internet as much. He was sending smoke signals and chiseled messages until we got him here, and we've got him hipped up on technology. So he's on social media. He's got Facebook, YouTube, Instagram, at John Deloney. He's also got an AskJohn at RamseySolutions.com.

So we got him hooked up. We're going to connect with you coming up soon. This is The Dave Ramsey Show. Families all over the country are discovering a faith-based and budget-friendly way of meeting health care costs, whether they're anticipated or completely unexpected. For example, take the Olcheski family from LaGrange, Texas. Jeff and Carice had just celebrated the birth of a new baby boy. Shortly after, they had another expensive medical issue come up. They could have faced a huge financial setback, but thanks to Christian Healthcare Ministries, the Olcheskis were spared from a ton of medical bills. As members of CHM, they're part of a group of believers

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Hello, everyone. You are listening to The Dave Ramsey Show. I'm Chris Hogan, and hosting along with me is John Deloney. And we are excited to be here with you to take your calls, talking about the things that are on your mind, your life and your money. So, we're going to get to the phones. I have Joe calling from Oregon. Joe, how are you? Good, Chris. Thank you for taking my call. I appreciate it. Oh, buddy, you're welcome. What's on your mind today? Well, my wife

and I are trying to figure out if we sell some of our mutual funds to pay off the mortgage and we have mutual funds outside of our IRAs. Okay. Very good. Alright, blood pressure's coming down a little bit. So you have mutual funds outside of that. So tell me, my friend, what baby step are you all on?

Four, five, six. Okay. We paid off our outer debt. Good. We have $30,000 in our emergency fund. Good. How much do you owe on this house? $129,000.

Okay. And how much do you have, listen to this now, Joe, saved in retirement? So funds that are allocated toward retirement, how much do you have? $40,000 in IRAs. Okay. So we're self-employed, so we don't have the 401k. Okay. All right.

And so how much do you have in these IRAs that are outside of retirement? Outside of retirement and mutual funds, we have $240,000. Okay. And what are your ages? 35. My wife's 34. Okay, 35 and 34. And you're both self-employed, so what's the household income?

It varies, but we average about $70,000. Okay. What industry are you all in? I do custom leather work and teach bull riding schools, and my wife does network marketing and has just started her own clothing design business. Okay so how do you have this 240 outside of retirement? Was this inherited? Well we had a piece of property farmed around that we had we had given to us we held on for that for a little while okay and then we had given to us. We held on to that for a little while. Okay. And then we had sold that a couple years ago and wanted to kind of just park all the money, because we were still working through baby steps and didn't want to do anything stupid with it.

Right. We wanted to hold on to it for a while. We've gotten in the habit now. We're putting our 15% to our retirement. We're paying the extra on the house. We have our 529 going for college savings um we just feel like we have good practices in place now and then want to know whether whether it would be wise to a portion of those mutual funds yeah attack that mortgage and get it going. Yeah, Joe. What's your payment on your mortgage, Joe?

It's about $1,500 a month. It's a little less than that. I guess $1,400 or something. But we've been paying it at $1,500 and then adding some extra $2,000 there. Okay. Did you guys do this on a 15-year term? Yes, sir. Okay.

Okay. I figured so. Here's – Five percent. Right. Now, typically, Joe, in a scenario, you all sold a piece of property, so you parked the money there. Why didn't you all use that money when you got ready to buy the home? A couple reasons. One, we made a poor decision, I guess, looking at it now,

but we didn't want to just dump it into a place not knowing, and we're following the advice of financial advisors that money's better. We'll make more on that, but I think he was going under the idea to always keep a mortgage. Okay. Yeah, you pay attention to them crazy people. But I thought you were going to tell me, Joe, that, hey, the money was growing. I see it.

I wanted it to keep growing. And I'm asking because there's two schools of thought here. Okay, typically in this scenario, the numbers are switched, okay, where you would have $40,000 essentially outside of retirement, and you'd have $240,000. You've got it vice versa, all right? So looking at this, you have the mindset of, could you liquidate the non-retirement to pay off the mortgage? Yes.

You could then also take the $1,500 that you're paying on the mortgage and begin to invest that more and be able to push forward now that your mortgage is out of the way. But here's the other side of this. You're self-employed. That means you guys don't have a cap on how much you can make. So I would say why not allow this to continue to grow? You guys get intentional with your budgeting and just pay this thing off. So you got a couple of schools of thought here

and the options. I want you to connect with a smart investor pro and have them run the numbers and look at this and what it could be. Okay. What does this two 40 look like in, in eight years, right? Compared to you paying it off, paying off the mortgage and investing the 1500. Now I know not everyone is going to invest the full $1,500. You're going to have some, you'll kick up lifestyle a little bit, but I want you to run the scenario and looking at it. Either way, I love the fact that the home is being paid off. I like the fact that you guys are intentional in what it is you're doing and the path that you're taking. But I want you to get some guidance on that and look at it. Also, connect with a tax ELP to understand what that

would do to you guys in your tax bracket right now, anticipating kind of where you are if you were to liquidate that, right? Because that's all pre-tax stuff, so you're going to have to pay taxes on it afterward. So I want to understand the tax bill that's coming in, right? And I also want to understand the model of investing if I allow it to stay versus cash it out. And Joe, walking through this and doing a little bit more homework will help you guys begin to kind of look at this and see it clearly. Thank you for the call, my friend. Again, if you're out there, we want to hear from you. The number to call is 888-825-5225.

We'd love to talk to you. Next up, I've got Tina on the line. Tina, how can John and I help you? Hey, John. Hey, Chris. My husband and I started Dave Ramsey about four months ago, and our situation, we're in baby step two, but we have an odd situation. We're in baby step two, but our house has already been paid off. However, I have just been diagnosed with my breast cancer returning metastatically. Tina, I'm sorry, man. Thanks.

So we're kind of, we have some money in savings. We don't have a lot of money in retirement. We lost that in 2009 and took a really big hit. I'm going to be 54 in December. My husband is already retired in 68. I have, we, let me see. We have about 12, 18,000, you know, 12,000 off to pay off. We've paid off 14 and we have about 53 in, in savings, um, within money market and stocks

and then 10,000 in cash. And we're just trying to figure out what way to go right now because of my situation. Okay. out what way to go right now because of my situation okay my my income um because i have short-term disability my income has dropped 600 a month um not gone away because i'm on short-term disability for the next three months and then um not sure hopefully i'll be able to go back to work and work through at some point because I'm not giving up. But we're not sure which way to go as far as debt goes and all that good stuff. Well, first and foremost, before we start diving off into numbers and that, I want to commend you because I hear your spirit that you are definitely not going to give up.

No, definitely not. Absolutely. That is something that in your mindset you have to make a decision. My prayers go out to you. Thank you. This is my third rodeo with the feast. Oh, wow. My first rodeo was it being metastatic.

So my first two, God blessed me with just reoccurrence and take it out, and it was done. Put it in a coma with chemo the second time around, and 10 years later, it woke back up. Wow. So it was my first rodeo, but my first rodeo was being metastatic. Tina, hold on the line. We're about to go to break, but we're going to come back. We're going to talk some more to you because I love your spirit and your fight. Okay, because people that don't stop tend to continue to make progress.

This is The Dave Ramsey Show. Hello, everyone. This is the Dave Ramsey Show. I'm Chris Hogan, and hosted along with me this hour is John Deloney. And before we went to break, we were talking with Tina. Tina is battling breast cancer. This is the third time around that she's been dealing with this. But her and her husband have been intentional. They're on baby step two, but they've actually paid off the house.

And Tina, as I was recalling, you said you all still owe around $12,000 on what? Credit cards. Credit cards, okay. We have two credit cards. We have $6,900 of that as a truck, and then the rest is two credit cards. Okay. And you did say you have around $10,000 in cash and then $53,000 in savings. Is that correct?

Yeah, we have $10,000 sitting in a checking account, and then we have $53,000 in an investment account. Half of that is mutual funds. Half of that is individual stocks. Okay, gotcha. I know. I just made your heart stop at that. Well, here's the deal. On the individual stocks, I'm going to connect you guys with one of our financial coaches

that can sit down with you guys. Because is your husband involved in the money stuff at all? Absolutely. He is? Okay. He's plugged in. He was not, and so we started Dave Ramsey. He just kind of let him.

I've done it for the last, we've been married 33 years. Wow. Okay. And I've done it for the last, we've been married 33 years. Wow. I've done it for the last 32.8 years. Well, and it sounds like you laid down the law, okay? And he didn't have a choice. You're a tough lady. But I want to get you connected with a coach to kind of help put all the pieces of the puzzle together.

And I'm going to get that to you as a gift. We have our financial coach master training here that we do where we train coaches and our Ramsey preferred coaches that are out there to help people. So I'm going to get you connected there so you can kind of walk through this. You guys have already paid off the home, so a few moves, you can get this stuff debt-free. But John wanted to speak to you on a couple of things. Yeah, Tina, take me back to, if it's all right if you'll journey with us take me back to that hospital room where you went back and got your latest test results

and the doctor comes in and sits down and lays that on you this is third time around you've been there you probably had that thing feeling in your gut when you went back to the doctor to get those test results, take me back there. I knew. Yeah. In my gut, I knew. This time around, I'm in the medical field to begin with. I'm a lab tech. Okay. So we all have to wear masks eight hours a day.

I'm asthmatic. And so back in mid-June, we thought my asthma started flaring up and developed that bronchial cough going on with the asthma. And it just wasn't going away. It felt fine. And then July 2nd, I went into a very severe bronchial spasm that scared me. And I've been dealing with it for a long time. So it was like, it took a lot to scare me. So I went to my doc that I work with and said, hey, doc, this is what happened last night.

And she got to, it was my asthma, like we had been thinking, put me on some different inhalers. I didn't really kind of say the word, not really. So in early August, August 4th, 5th, and 6th, I was off work for bronchial. And then my work said, hey, you have to be tested for COVID. Okay. We did that. And then I went back and said, hey, you know what? Can we do a test test for you?

Because she started thinking, well, maybe I've got walking pneumonia. And I'm like, well, let's do a test x-ray to rule it out. Test x-ray showed a left-sided pleural effusion, lower left lobe with a partially collapsed lung. Oh, man. So she was like, well, I'm still thinking it's pneumonia, but with your history. you knew right what it was because um it's going to take me a while i need to get you to a pulmonologist and you know

we both take a while where he's got an inside track yeah so let's do that all right so that on the phone um brought her over copies monday Monday, no, Tuesday, no, Friday. So the Tuesday I was having a CT scan, and the only reason I didn't have it then was because I'm allergic to contrast dye, so I have to premedicate. Sure. So had the CT. It confirmed the pleural fusion.

I was on Tuesday. Thursday, I was in the part of radiology department that drains it. I had a rapid code called on me because my blood pressure and my heart rate dropped to 40 over 20 with a heart rate of 10. They got 950 cc of pleural fluid out of me, and I was sent home. And you knew then something wasn't right, huh? Yeah, and I talked to the radiologist doctor, and I saw my pleural fusion fluid, and it looked normal. So it gave me hope, but it was not clouded. It looked like a beer.

It looked like a beer with a perfectly poured head on it. This gave me hope that my gut feeling was wrong. There's a lot of people in the country that would love to have a beer tap inside their body, right? I know that's a really weird way, and I don't even drink, but that's what it reminds me of. So, Tina, bring us to the moment you leave the hospital and you go to the car and you know what this diagnosis is. This is third round. You're going to fight this. You're a strong person.

I want to know what brings you joy in these moments, what fighting looks like for you. What's the next one month, two months, three months? What does that look like for you what's the next one month two months three months what does that look like for you in gratitude for every day that i wake up and i feel okay chemo was two days ago okay and i had chemo last time and let me tell you last time to this time is a world of difference last time i was already knocked on my butt and not sure if I was really wanting to live or die at that moment because of how I felt. And it wasn't even metastatic last time. So this time they're giving me a harder, actually a harsher chemo.

And I feel fine right now, kind of, as far as the chemotherapy goes. I have my moments, of course, with the pity party. Hey, Tina, Tina, you get one. You get a pity party. Listen, Tina, you get a pity party whenever you good and freaking want one. Okay. When, when you get, when you get to diagnosis three, I, on behalf of the Dave Ramsey show and handing you a lifetime pass to a pity party, but you got to get up and keep kicking

butt, right? Which you are. And so you said you are, you are grateful. Let's, I want you to tell me before we hang up here, I want you to tell me one thing that you are the most grateful for. I know you're grateful for getting up every day. I know you're grateful for your husband. What's one thing that you want to put out in the universe I am super grateful for? I'd like to have one thing.

Being in God's hands. Mm-hmm. Follow him. Yeah. I can fight. The doctors can fight. But I think the chemotherapy I'm on is AC chemo. It's also got the nickname of Red Devil.

And my nurse, as she was infusing it, told me, asked me if I was a Christian. And I said yes. And she said, good. This is not the Red Devil me, asked me if I was a Christian, and I said yes. And she said, good. This is not the red devil. I'm putting the blood of Jesus right into you. Because it's red. Yeah. So at that pivotal moment, my brain flipped.

It flipped a switch. Yeah. I can't explain it, but a switch flipped at that moment when she said that. It just changed my whole entire outlook. Wow. Well, Tina, we are with you. We are praying for you. We are cheering you on.

The debt stuff you're going to get handled, you're a gangster. But bigger than that, I want you to continue to be grateful, live your life, and find a place where you can laugh and love and be surrounded by people who care about you. This is The Dave Ramsey Show. hello everyone you are listening to the dave ramsey show and boy i tell you we just finished an extremely powerful call with tina uh who is uh battling breast cancer and this is the third round and you know i love the fight in her spirit. I love her mindset and her never give up mentality. But I haven't had some people that I'm close to walk that path. I just want to encourage all women out there to get all of the mammograms, do all the checkups, do the things that are necessary.

I want you to hear me. I've had some friends that have caught it early and were proactive and had the courage to go in to get these tests done to find out and know what it is you're dealing with. And I just want to encourage you to the women in your life that matter, your friends, your coworkers, your mom, whoever it is, to make sure that you do those tests. And I want you to stay on them. And I want you to talk those tests. And I want you to stay on them. And I want you to talk about it. And I want you to ask and ask and ask until they finally tell you they've done it. And I want you to care that much to be an annoyance.

I want you to care that much to bug them. And men, at the same time, we have our tests, the things that we need to do. Let's care enough to keep asking, to follow up, to follow through. Let's care enough to keep asking, to follow up, to follow through. Let's care enough to ask and let's love people enough to follow through and get those tests done. That's what I want to encourage you to do. And it matters. And I've got some friends that have took that tough road and they are walking testaments to what proactive treatment and things can do for people that are out there. And John, that's real.

It's called life. That's right. And again, we're going to tell you the truth and we're going to tell it to you direct. And so I love what you just said, Chris. Thanks, man. Yeah. And don't go it alone. Do me a favor.

Again, life is about community. And we've got to reach out. We've got to talk. We've got to let people know we care. People can't read your thoughts, but they can hear your words. And I want you to have the courage to speak up. And it's important. It's just in this day and time, I want you to leave no stone unturned. And as far as what you're feeling and how you care about people, I want you to tell them so they can know. By the way, if you're out there and you want to help people,

because a lot of people are feeling the drive for this, they know people are going through a tough time and may not know where to turn or what to do. I want to let you know that hope is greater than fear. And right now, people are looking for hope in many ways. And we've got to find a way to be able to push through during these crazy times. Well, you can provide both hope by leading a virtual Financial Peace University class. FPU coordinators are everyday normal folks who have helped more than 6 million people learn to budget, dump debt, save for emergencies, and give generously. Regardless of where you are in your financial journey, you can leave Financial Peace University. Maybe you can't help others by being generous with your money, but you can make

a difference with your time and doing FPU online through a virtual class. That means you can deliver hope from your home. We do all the teaching. We give you everything you need to lead with confidence for free. There's no better way or time to be a light for people across the country. Lead a virtual Financial Peace University class this September and help others find hope in their future. Get started by texting LEADFPU. That's LEADFPU to 33789. Again, one more time. That's LEADFPU, all one word, to 33789. And if you are feeling anxious, if you are feeling that low level hum of depression,

you are feeling like I'm always going to be worried about my job. I'm always going to be stuck here on furlough. If you go to any counselor worth their salt, any medical doctor worth their salt, they're going to tell you one of the cornerstone ways to begin to turn the corner on anxiety, begin to turn the corner on depressive moments, is little wins and getting outside your head and going to serve somebody else. Yes. And an FPU class from your home is a great way to serve other people. You're going to get richly, richly blessed by reaching out.

And, of course, is it self-serving for Ramsey? Yes. We want to, we want to get these classes out there and make no mistake about it, but you can be a blessing to other people. And if you are struggling with your own, what do I do? What do I do? What I do? This is a key way to help other people and it helps you get out of your own mess.

That's good. No, that's a great point. And, uh, Dr. Deloney, I gave you a homework assignment. You thought I was going to forget. I do not forget. And so I'm coming back to you. You talked about too many of us have busyness going on. And I said, I wanted to ask you ways to become unbusy. And so this is the time I'm circling back to you if people are suffering from this and i know they are how do you become not busy what do you need to do i think it starts number one with this this ugly ugly word that we like to to brush under the rug what is it it's intentionality

what do you good what do you yeah but it's uncomfortable, right? Okay. Because it makes me have to plan. It makes me have to – you say it, dream in HD. I like to say it helps me to dream in pictures, not in words. Not I want a house, but what does that look like? What does my life look like? Because what happens is busyness is what fills up that unintentional gap. Right? And then the second thing is this is this idea of exhaustion equals busy

equals identity, right? The faster I'm running, the more I'm doing, the more I'm quote unquote accomplishing, the better I am. And that's not how math works. That's not how identity works. Right. And so you have to start from the inside out and let, there are seasons of busyness. Every job has them. There are seasons of summer. There are seasons of winter. And there are days you've got to go get the crops in, man, because winter's coming, right? That's right. Seasons of busyness are good, but just be intentional about them.

Don't be defined. Don't let your identity be, guess how late I was up last night. Guess how early I got to work. Congratulations, dude. Golf clap for you, and you're gonna be the guy that falls over dead in the parking lot from a heart attack like big win man big win and so or look how many things my kids are involved in we're dumping that on our kids chris no we're teaching them that at a young age my kid plays travel baseball and double triple soccer and

rides horses and what are we doing yeah right starts with identity man who are you your chief identity is in being a parent it's being a person you're a person of value you don't care what your achievements are and then from there you got to deal with this drug of busyness oh that's good all right dr deloney has a show that has just released uh called what's it called john man we we got real creative with the title. We had a bunch of them in the queue, and we got real creative, and we decided to name it The Dr. John Deloney Show. Went out on a ledge there.

Hey, man, sometimes we get crazy. Hey, I know. They did it with my show, too, right? We're super creative. John has episodes that are going to launch every Monday, Wednesday, and Friday on YouTube and anywhere that you listen to podcasts. He is going to get real, as you've heard him on here with me today and times before, talking about life, relationships, as well as mental health challenges. And you can get the tools that you need to cut through all the chaos of anxiety, depression, and disconnection. John's got an anxiety relief checklist on johndeloney.com.

I'm going to take this checklist at the break. Pull that up for me, John. And I want to see where I rank in this because you give me anxiety sometimes. I do have that effect on people. Hey, can I tell you this? You know I don't know anything about the tubes and the internets. I got a note yesterday that the show launched on Monday, and it went to number one on apple oh in the health and wellness section congratulations pretty cool man dude that's a big deal i i don't i'm not normally impressed by all that stuff i had

to go back to my house in the woods with the kids and all that but on the way home i did that's cool pump my fist a little bit that happened by accident my friend well it's we've got an extraordinary group of people who follow Dave Ramsey. They follow his team. They've been listening to you and Rachel and Christy and Ken, the whole crew for so many years. And it's awesome just to jump into that train and inherit that trust from folks. But it's a neat moment.

James, Childs, and Kelly and that crew helping with the podcast. It's awesome, and it's off to a great start. That's fantastic. Well, you've got some rock stars in there with you, helping you with the show, and I know you guys are serious about helping people. Now, listen to me. If you're out there and if you're dealing with anxiety, depression, disconnection, you've got a relationship issue, and you go, you know what?

I've known for years I've needed to talk to someone. Well, finally, that person is here. What you can do is email John at askJohn at RamseySolutions.com. Again, let me give you that email, AskJohn at RamseySolutions.com, or leave a voicemail at 844-693-3291. I want to thank all the callers for taking the time to call in. I want to thank all you listeners for tuning in, and I want to thank you, John, for joining me this hour. Thanks, man. Thanks for having me on. Hey, it's been fantastic. You all, we appreciate you, and

you're listening. This is The Dave Ramsey Show. If you would like to do your debt-free scream live on the show, make sure you visit DaveRamsey.com slash show and register. We would love for you to come to Nashville and tell Dave your story.