The Ramsey Show - App - The 2021 Annual Christmas Giving Show (Hour 1)

Episode Date: December 22, 2021

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. Merry Christmas, America. We're so glad you're with us. Thank you for joining us.

Open phones at 888-825-5225. Breaking news. President Biden has given Americans a gift today, at least a bunch of you. He has extended the student loan non-repayment for another 90 days. And so May 1st, you will have to start paying your student loans back. It was prior to that 90 days. It was going to be, what, February 1st or something like that you were going to have to start. And so some of you are saying,

Woo-hoo, now I don't have to pay my student loans until May. I can kick the can further down the road. Our advice to you, of course, is to pay them off as soon as possible, regardless of when the president says the payments are due. Use this time off, this interest time off, as a way to accelerate your repayment rather than a way to put off your repayment. Beware of politicians coming bearing gifts.

Ronald Reagan used to say that some of the scariest words in the english language are i'm from the government and i'm here to help yeah so uh just just keep that in mind but yeah it's a it's good news though i mean it's going to help some of you have had a tough couple of years and it gives you a chance to continue to do this but please don't use it as a way to put off doing what you know you've got to do you know that student loan's not going away it's the monster in the closet and you need to get it paid off the highest and best use of money the reason to become a baby steps millionaire an everyday millionaire the reason to save and invest is something more than just the piling up of stuff. We all know that it is better to give than to receive. Some know that more than others.

But changing your family tree and outrageous generosity are the highest and best callings of wealth. By the way, those are the most fun things you'll ever do with wealth. Get you some stuff, Get you a nice car. I got a shiny truck down in the parking lot that I like. That's fine. But if your definition of happiness is what you drive, you're shallow. So, yeah, let's draw back a little bit, look up a little bit,

raise our chins a little bit, and set a higher calling on this whole money thing. And we talk about, you know, there's about five things you have to do with money if you want to be successful with money. One of them is to become and establish a pattern of generosity in your life. And so what we do every year, because we are pretty much cornballs around here on The Ramsey Show, we are corny and proud of it.

We do all kinds of stuff, like we ask what you're thankful for thanksgiving that's corny and we're proud of just like it's a walking dad joke right but that's okay i'm 61 i'm a grandpa i can do this crap by the way i own the thing so i can do this crap so there you go uh so this is what we're doing we're going to talk about generosity this hour and next hour next hour we always do a giving show as our last live show of the year. You'll get best ofs until January the 3rd, so just go ahead and be ready. By the way, best ofs are actually our best, which means it's better than sometimes when we're here. So you can go ahead and listen, but you'll be getting those kinds of shows.

But today, for three hours, we're going to take your calls, those of of you that have a giving story because we want to set the bar on generosity we want to inspire call people to generosity pay the person's groceries in front of you in line the person in front of you at the coffee thing in line and buy the buy that person, whatever. You know, go ahead and just do some weird stuff with money. Leave a $1,000 tip at a table. Buy somebody a car. Do something wicked, weird, awesome with money that just blows people's minds. And by the way, your mind will be blown in the process, and that's the beauty of generosity is everybody benefits, including the giver.

So I want to hear your giving stories. Those of you who have done something really cool with giving, and I know you're modest, and I know you're humble, and you don't want to tell your story, but you didn't give it anyway. God gave it. He just used you to do it, so shut up. I want to hear your story. So you call and make us cry.

That's what your job is. And maybe you received something, and maybe you'll give somebody an idea because you received a gift that was unbelievable. Now, I don't want to hear stories about $20 tips. I mean, you should be doing that stuff anyway. But if the pizza guy says how you're doing and the pizza guy says better than I deserve, that's code for he listens to the Ramsey Show, she listens to the Ramsey Show, they're working this extra job to get out of debt, You have to triple your tip to them if they say that.

That's just code. That's not generosity. You're just doing some stuff. But I'm talking about something big. I want to hear some stories right now. The phone number is 888-825-5225. You're giving or receiving stories. We're inspiring generosity today.

Howard is in New York. Hey, Howard, what's up merry christmas yes merry christmas dave so the short story is my wife and i blessed the city mission of schenectady with our first six-figure gift whoa over a hundred Yeah, and then it felt amazing. Wow. We've been longtime donors, small donors to the city mission. I had a side note, back story, been a board president of the local Animal Protective Foundation, very well aware of nonprofits in Schenectady

and paid close attention to the city mission over the years, donated along the way. But the city mission does amazing work. They're providing shelter for nearly 100 men, women, and children. They serve more than 600 meals daily, along with one thing that I found very important. They do this while providing everyone dignity and provide training and life skills to graduate and move on. Graduate from the street. Yeah, that's good work. That is good work.

Very cool. So you also, you're saying this is a good investment, not only because of the work they do, but they're efficient in their work. It's not a waste of money. It's not like giving it to the government and a penny on the dollar ends up going to the actual thing. Exactly. They're highly efficient. And, in fact, many of the people that they bring in off the streets and train,

they train to actually do the work of the mission, including building the buildings. In our case, it was doing work on a brand new courtyard. And this courtyard is in the center of all of their buildings, including transitional apartments and places for family life center, or Family Life Center, et cetera. Very cool. It's an amazing facility, actually. Very cool. Very cool. And you said that's your first time to give a six-figure gift, so you've had a pattern of generosity, but you're ramping it up.

Exactly. Yeah. Very cool. What's your net worth? Roughly $4 million. Good. Cool. Good. Yeah, six-figure gifts ought to be a boy of life now you're awesome man you're awesome i'm so proud of you and you gotta know people you gotta know listen tell them howard it feels so stinking good it feels amazing and in fact, my wife made the point that she told us that this may have been the best gift to her she's ever, quote, received.

Amen. It's almost selfish it feels so good. I love it. Well done, brother. Touchdown, man. There we go. That's what I'm talking about. That's what I'm talking about.

It's a giving show right here on The Ramsey Show. Imagine a world where people never have to worry about money ever again. At Ramsey Solutions, our mission is to teach people how to get out of debt and build lasting wealth. And if that means we have to take on the toxic money culture that says you need debt to get ahead, then we're okay with that. We've seen millions of lives changed and we will continue to create digital products and services to help people transform their lives. If you want to join me and over 1,000 other team members on this crusade, we're currently on the hunt for web developers, UX designers, and SEO and content marketing specialists. To find out about these positions and more here at Ramsey Solutions, visit RamseySolutions.com slash careers.

That's RamseySolutions.com slash careers. Together, we will disrupt the toxic money culture in America and change lives. Visit RamseySolutions.com slash careers for more information. you know a lot of folks are afraid these days they're afraid of inflation they're afraid of covid afraid they're gonna die They're afraid about their jobs. And it's causing a whole new surge in get-rich-quick stuff out there. People trying to cut corners and build a house of cards. And, you know, what happens to a house of cards? Everybody's, you know, they fall in, right? When you build a Jenga tower, it falls.

Well, I got great news if you really want to build wealth we have a huge event on thursday january 13th called building wealth and we're going to talk to you about proven tactics not fly by night not you got to spend three thousand dollars at a weekend to learn how to buy nothing down real estate, which doesn't work, by the way. But we're going to teach you how to really build wealth. Rachel Cruz, George Camel, and I, we're going to make sense of the get-rich-quick noise and really talk about how wealth really is built, why to build it, and where it comes

from. We've already sold out of the in-person tickets. About 1,500 of those sold out for the event in about three or four days. So we're offering the live stream completely free. You do not want to miss this event. Go to ramseysolutions.com slash wealth to register for the free live stream of the Building Wealth live event on January the 13th. Thank you for joining us. It's our annual giving show where we talk about giving and receiving. We talk about generosity, and we're hearing your stories. If you have a great generosity story, receiving or giving, I need to hear from you. The phone number is 888-825-5225. Susan is in Pittsburgh. Hi, Susan. Merry Christmas.. Hi Dave, Merry Christmas to you. Very cool. What's up? Tell

me your giving story. Okay, so my story is about being on the receiving end of a gift. I was in college my last semester of nursing school and I had paid for school at this point with loans. And my last semester, I came down to owing about $6,000 to finish off and graduate. And everybody in my family had tried to co-sign for me and I kept being denied for the loan. I was pretty desperate because it was very hard for me at this point to even just make it through college and be where I was. And so I asked a friend of mine if she would be willing to try and co-sign a loan for me. And she told me that she always ran all of her financial decisions by her parents and that she would have to talk to them and get back to me. And I soon got a call from her mom, and she stated that, well, first she asked me what situation I was in

and sort of the details surrounding my schooling and how things were going. And she then told me that they wouldn't be advising their daughter to co-sign a loan for me, but that they wanted to gift me the $6,000 to finish paying for my nursing school. Wow! Yeah. No to something stupid, but yes to a nice gift. I love it! Yes, exactly.

Of course, I was crying. I was beside myself. I just felt like it was so generous of them to do that for me, you know, just being a friend of their daughters. And since then, my husband and I have been on our debt-free journey and we're now debt-free. And we're really looking forward to being as generous as they were to me someday. Man, that is very, very cool. Yeah, and I actually had a friend of mine years ago. Gosh, it was probably 30 years ago. He was telling me this story that a guy that he didn't even know

that was a wealthy guy in that community heard about him and his studies and paid for his entire college just because he heard of just same kind of thing it was like a like one degree of separation like with you and that lady and through your friend and uh that's pretty incredible so yeah that's a cool thing pick up a pick up a tuition bill from somebody that's uh worthy and you were obviously worthy you were you were somebody who almost there you had paid a price. You were scratching and clawing trying to finish it up and get out of there. And, you know, you weren't goofing off.

You weren't some trust fund baby. You know, you were just attractive to them. And that's very cool. Yeah. I feel very blessed that that happened and that I'm at where I'm at today. Yeah. I feel very blessed that that happened and that I'm at where I'm at today. Yeah, and I bet you that's probably going to cost you at least $60,000 or $80,000 that you're probably going to have to do that about 10 or 12 times. You're not wrong. You're not wrong.

That's a good way to pay it forward. I like it. You're amazing. It's good to talk to you, Susan. That's a great story, a great giving story. So thank you. Very, very cool. Yeah, higher ed, that's not a bad plan at all. This is our generosity show that we do once a year where we talk generosity, receiving, and giving. If you've got a story, the phone number is 888-825-5225.

Stephen is in Decatur, Alabama. Hey, Stephen, Merry Christmas. Merry Christmas, Dave. Can you hear me okay? Absolutely. Tell me your giving story. Yes, sir. My family got hooked up with a single mom of four children.

They came into the school year pretty late, and we got to know her and became friends with her. And she's been scratching and clawing and running for like two years. Her family history is very deep into drugs and what have you. She decided to change her life around a year and a half ago. Earlier this year, her house burned down, so she lost all of her possessions, save for what was in the backyard in a storage shed. Oh, my God. And she's just been scratching and clawing and trying to get as much assistance as she can. And my wife and I, we looked at each other.

It was like, okay, is there any way that we can help this lady out? She moved into the same RV park as us, and what she moved in was pretty much a dump. It wasn't very well. The floor was falling through. The roof was leaking. And she actually found a newer RV, like a late 90s RV that was in like a grandma and pop type RV, just really well cared for. It was just an older model.

And it was at a very good price of like $2,300. And my wife and I at first told her hey we'll sponsor you and go dollar for dollar but at the end of the time where they said hey we got to get this thing off our lot my wife and I just decided to purchase it and gift it to her for Christmas and also she was struggling with employment and the place that I hauled for is hiring like crazy. So I was able to get her a job interview there to double her income to try to take care of those babies. Wow.

That's cool. That's a lot of bang for your buck. I mean, you give somebody a place to live for $2,300. Oh, yes. That's strong. Yep. And just like teaching how to fish, pointing her in the right direction to double her income just by changing jobs. And I'm sure she'll float.

Yeah, she's going to do just fine. She's going to do just fine. She's got people like you looking over her shoulder, man. Well done. That's fun, isn't it? Oh, yes, it is. Yeah. So how long did you and your wife talk about it

before you decided to just write the check? We're in baby step three right now, and we had the $2,300 extra. And it's like, well, I mean, we don't plan on really doing anything with it, so why don't we just help this family out? And it took us about two seconds to decide our generosity. Well, you will never struggle with money as long as you have that open-handed mentality. Oh, yes. Well done, sir.

I'm proud of you, man. That's awesome. Thanks for sharing your story. Very good. You know, the thing about holding your money with an open hand, some of it might blow out. Some of that money, because it's just kind of laying there, it might leave. But also the fact

that your hand is open more money can come into your hand when you hold it with a tight fist no more can come in what you have won't get away but you can't add any because your fist is already wrapped up and so there's a beautiful picture when you say open-handed even a dog understands a clenched fist or an open hand you got a dog bothering you just open your hand and squat down come here baby they'll calm right down look at you unless they're crazy you know even a dog understands that you double up your fist anywhere in the world they understand what you mean though closed Closed spirit, open spirit, generosity. Generous people are highly attractive. This is the Ramsey Show. We'll be right back. This is our annual generosity show where we talk about giving and we talk about receiving. At Ramsey Solutions, we now have 1,058 people as of this week on our team.

A couple of buildings full of people doing incredible work uh doing an incredible job uh one of the things we do here and i stole this from somebody a few years ago so i'm gonna offer it to you guys especially those of you that own or run businesses and i hope you'll steal the idea in addition to our normal paid time off our normal pto your vacation time or whatever after you've been here a year we will give you an additional week off per year to serve in a ministry somewhere so you can go on the mission field you can go serve soup at the mission you can uh one guy the other day one of our technology guys went and built a website for this mat a massive website for this ministry.

It took a whole week and just plugged in for this nonprofit, this ministry, and just did a great, great job. So we're always trying to integrate this whole idea of generosity into our team as well. Our team has all kinds of opportunities throughout the year to participate in all kinds of different generosity initiatives. And consequently, guess what? We end up hiring a whole bunch of generous people, and the people that are here become increasingly generous. So part of our giving show is to have some of our team on. And Ms. Emily Cummings is with us.

Emily's been with us seven and a half years. She's a real estate coach over in Ramsey Trusted, working with real estate agents around the nation that are Ramsey Trusted. And Emily's been doing a great job for a long time, almost a decade now. But you've got a great giving story out here. Tell me what it is. Yeah, so I really want to rewind a couple of years, about two years ago. My husband and I had started saving to buy a house. We had put away a good chunk of money. And then at that time, my husband wanted

to go back to school. And so we ended up sacrificing that money, felt like that that was the better decision to put that money towards his income that we'd be losing. Yeah, that's a hard call. You know, his education increased versus buying a house. Sure. That's a tough call. Good. But we're really thankful. Obviously, we had our emergency fund in place we were debt free at that time so it was a pretty easy decision to make but that meant that we were sacrificing the the house purchase that was going to take significantly longer uh based off of our um kind of estimations um we weren't even going

to be able to save up the money until two years after he even got hired. So we had been, um, he'd been in school for about six months and I had coffee with my dad and we were just talking and he's like, well, I want to talk to you about something. I was like, okay. He says, I've been praying about this for an entire year. Um, but I want to give you $100,000 to buy a house. Dang! Exactly. I was like, what? And my dad has always been a very generous person, has helped me out when we were struggling to get pregnant, financially gave us money even then. But that was completely unexpected um and so and even then when he when he said the words and i'm going to give you this money you know it's like the dream you have that you win the lottery like this isn't real like this is not going to happen so you didn't like spill your coffee then almost spit it out at him but like out your nose yeah oh my gosh um and so we he ended up uh gifting us the money and we're able to of

course use one of the ramsey trusted eops uh kyle and casey wallace shout out to them uh to buy a house even in this market and um just we've been in our house three months now and just completely blown away just now i mean this is thanksgiving yeah yeah so we we closed um and moved in in september so this is literally three months two days ago so merry freaking christmas oh my gosh yeah yeah so i'm i mean my parents so your dad and mom have obviously done very well financially yes this didn't put a strain on them at all no um and so he's thinking I'd rather see him enjoy it while I'm here. He, yes, that was exactly. And he saw you all behaving.

He's not going to, he's not going to bless that if you're out there spending like you're in Congress, right? Well, I, it's funny. I, I facilitated financial peace class at my church. They go to church this and they took the class. So got to teach them uh because they they my dad was always been frugal but he never budgeted before until he took the class and so it's kind of cool to see that come full circle we had already gotten out of debt ourselves and then my parents took the class and now here we are where they're generously giving to us so that is so cool i love it now how old are you and your husband so i'm 38 and my husband is 35 cool cool and you're able to buy a very nice home with a hundred thousand dollars down yes gift not not loan gift right yeah yeah way to go that's so cool way to go dad touchdown

yeah a nice cup of coffee yeah i like it very very nice well and and the other thing that does is it it sets his it burns his legacy into your dna you you can't you can't avoid generosity now it's it's now become a part of who you are you you can't you don't have an option it's just it reset your brain and where it's it's an automatic default mechanism for you to be generous and he just you were already that way but he just you know he he just dumped a ton of chemicals into your brain it caused you to permanently be generous now that's very neat yeah and we're just thankful to be on the four five and six baby six baby steps. Now we're like, okay, how quickly can we pay off our mortgage so that we can start doing something very similar,

and who can we impact because of that? Amen. That's what I mean. The pay it forward. You can't keep it from happening. I love it. Great story, Emily. Very cool.

Thanks for sharing that. Absolutely. Merry Christmas. Give your dad a hug for me. Don't let him know I said he's awesome. Okay. I like that. Very cool stuff. Very cool. emily very cool thanks for sharing that absolutely merry christmas give your dad a hug for me i said he's awesome okay i like that very cool stuff very cool hey i gotta tell you man that's amazing i got a friend of mine that um decided he was his kids were he was the last rent he was the last person in his uh family tree to be in debt and so uh he paid cash for all his kids houses not bad under the condition

that they would sign an agreement to never borrow money of any kind ever and that they would teach the grandkids to never borrow money any kind ever so that it's not wasted in other words you're not gonna pay up buy you a house then you go refinance it by boat right so uh that that piss you off right so you don't want to do that but yeah you just he laid it out and all three of his kids are you know 30 years old millionaires now because they had not a house payment all through their 20s and they made good careers and they just started paying they started investing and um i mean that that's serious jump start right there pretty pretty impressive i like that you know we did have a debt-free

scream one time the guy couple was on with their two grown kids and they did a debt-free scream they were they were baby steps millionaires and um they had they were doing the debt-free scream because they had paid off their house and then at the end of the right before they did their debt-free scream they said oh and by the way uh we just wrote checks our kid two kids one standing on each side don't know this but we just wrote checks and paid off both of their houses too so all three families are now doing a debt-free scream together the kids are crying mom and dad are crying i'm crying it was great it was amazing so generosity is cool guys all right let's go to greg in fort wayne indiana hi greg welcome to the ramsey show hey dave how are you

better than i deserve what's up hey we've got a receiving story back in 2015 we got a call from our uncle and he said he wanted to contribute to the kids college fund and we you know we talked about it we said hey that would be awesome thanks so much And up until that point, we'd only saved about $3,500 to our college fund for the kids. And they were already 14 and 12. So we weren't doing very good for them. So anyway, a couple of weeks later, I get home from work and my wife's sitting on the couch and she's crying. And I was like, Hey babe, what's going on? And she's like, Hey, we just got the check from uncle John. You need to take a look at these. So I did. I pulled them out, and I noticed that each one of the kids got $1,400.

And we were so excited about that. And she looks at me, and she's like, hey, you need to look at those checks again. And so I did so, and I noticed that I'd left off a zero. Each one of the kids got $14,000 towards their college fund. And so, you know, we were just blown away by that. Goodness. Yeah. And the only thing cooler than that, Dave, is over the next three years, he also did it again for each one of them.

Whoa! So he gave over $100,000. Yeah, he did. $112,000 over a course of four years. And we were just absolutely blown away by that. That's the rich uncle we've all been looking for. I love it. Very cool.

That's a great story. Oh, man. That's fun. The annual giving show right here on The Ramsey Show. We always talk about generosity around here, but we also take the last live show of the year, which is today, and give you three hours of generosity. We want your giving stories. We're talking about the power of generosity, what generosity does, how it inspires us to be better people, how things move around.

Life is good. Life is good. And so we want to hear from you if you've got a good generosity story. Maybe you're the giver, maybe you're the receiver, but inspire others. Maybe you'll give them an idea by what happened to you or what you were able to do. And it changes everything, this thing called generosity. I'm convinced if we, the people, increased our generosity about 3% a year, every single one of us, that we could put the government out of business.

There's a lot of good in that sentence. Just think about it. Hey, I'm serious. If we just start taking care of each other the way we're supposed to, you could make them irrelevant. They're already irrelevant, but you would just kind of put a highlighter on it. It would be pretty incredible. Julie's with us in Chicago.

Hi, Julie. Welcome to the Ramsey Show. Tell me your giving story. Hi, Dave. I'm so glad to be able to share this story with you. It's actually a story of receiving and giving. Eight years ago, December 2013, my husband Steve's cancer was starting to spin out of control.

And that month, he was part of a clinical trial and it caused problems so we actually had to exit the trial then we started radiation treatments at the same time the National Marrow Registry he was registered on the National Marrow Registry and we were looking for a stem cell match for what was to be a stem cell transplant his third one that would be coming around the corner. And we were at the hospital every day. Meanwhile, our kids were 10, 14, and 16. And we were just trudging through life every single day, them going to school, and we were going to the hospital every day. We also applied for disability for him and we were looking at a few months of no income while

we were waiting for a disability to kick in. We were down to about a three-month emergency fund. He was now at this point unable to help me make decisions about money and, you know, all of these huge decisions that were looming. And we had a very uncertain future at that point. So I just did not know what to do about paying bills and let alone, you know, helping my kids have a nice Christmas in the middle of all this. So I was fully relying on God to take care of our needs. And then as more people became aware of our situation, that's when generosity just started pouring in. There were a number of things we experienced, but especially there's one sweet way that a group of 12 friends showed love and care to our kids, especially.

They called it the 12 days of Christmas. And every day after school, the kids would come home and find a basket on the porch for 12 days leading up to the holiday. And every day they, you know, they themed it as best they could to the song, the 12 days of Christmas, but the kids got baskets full of toys, candy, sports equipment, movies, games, books, yummy food. Yeah, it was really great. And my husband also got, you know, gifts in there as well because he needed the, you needed the support and encouragement himself. And it was a bright spot in our otherwise sad and very stressful December. We also got cards from people that some of them we didn't know very well at all that just sent us checks and cash and just a number of ways that God worked everything out for us.

And then I was able to piece together everything until he died three months after Christmas. My kids were able to experience, I mean, they told me separately, you know, over that time frame, and then later on reflecting back that they just saw how God took care of them and our whole family through the generosity of other people. And it really stirred me to be more generous, especially at Christmas time. Going through a hard time in life is just, it's always hard, but it can feel extra hard when you're going through something like this at Christmas. So three years after my husband died, there was another family in our congregation that was going through almost identical thing. And I was a member of choir at church and I went to my friends at choir and said, hey, somebody did, you know, a group of friends did this for us

a few years ago. Can we do this for this other family and it was really special to pass along that blessing to another family at the holiday amen good that's good yeah and you'll keep that alive um yeah that's um man that's poignant wow powerful so cool so very cool. Oh, man. But, yeah, it's, you know, it doesn't take, like, a million dollars. It just takes noticing and action. It takes more time than it does money to be creative in your generosity. I mean, those people bring in gifts over every day for 12 days. That's, you know, that's a thing, right? Yeah, it's tangible.

It's a way of putting your arm around somebody in a way, and I'm there with you. I'm there for you. So, hey, you know, I want to tell you one other thing. Right before my husband, about a year before he died, he was in a remission, but it wasn't going very well. But our church did Financial Peace University. And so most of the congregation went through it. And so we did. And my husband had

always taken care of the money and paid the bills and, you know, with not a lot of input from me. And we were able to, you know, talk about money, get our, you know, head screwed on tight and talking together about this and have a plan. And it wasn't very long after that, it all got, you know, became my responsibility. And I knew exactly what to do. I knew exactly what to do. And I knew exactly what to do after he passed away. So thank you very much. Wow. Thank you. That's powerful. And, you know, too many times one of the spouses handles all the money, and that seems to be okay until they're gone. And if they're gone suddenly and you don't know where, you know,

you can't even find the bill drawer. You don't even know where the checkbook is, much less where stuff's stored or where the bank lock. I mean, people don't know. The amount of mysteries that are going on around that time is just, and the more sudden someone passes, oftentimes the worse that is. So that's a good word from you to say, get tooled up because you never know. Because y'all weren't that old.

How old was he when he passed? He was 56. I was 45. Yeah. You weren't old people, you know you know no unless you're 18 and in which case everybody's old but yeah yeah share your passwords there were a few passwords that died with him that i was unable to get into a few different yeah yeah remember flicker he had all of his pictures loaded up onto Flickr and, you know, can't access that. It is what it is sometimes, as they say.

Yuck. Yuck. Yeah. Yeah. You need a password storage system for sure. Or both of them. Yeah. Shared between spouses.

But I picture, I like to picture that he's up there and every now and then he can just roll back the clouds like a curtain and just take a peek and just say hey they're doing okay yeah so sounds like you're doing okay sounds like you're doing pretty good we're doing okay yeah good yeah thank you hey thanks for sharing that that's powerful i appreciate you julie very nice very nice yeah there's something that happens in the human spirit when you take your eyes off your selfish self and you reach those eyes over and you lay them on someone else suddenly you realize everybody's got a story everybody's got something going on maybe you ought to be a little nicer ever including me just made this a reminder to me but yeah but everybody's got a story you know that was that

person over there that you thought was just grouchy and um you know you have no idea what they went through this morning so uh So get your eyes off yourself yourself. And the season is about that, but generosity is about that. And it really does. I mean, I said this earlier to Emily when she was on our team member here, but it really does reform your brain when you have a dramatic generosity event, whether you're the giver or the receiver. Something that has a weight to it, that you feel it.

And in her case, in Julie's case, a 12 days of Christmas, that had a weight to it. And it left a mark. It leaves an impression. And that's what generosity does. It reforms who you are. And that's what you want. We all need a little reforming. This is the Ramsey Show. Have a friend or family member that needs a daily dose of Ramsey advice in their life? Let them know about the Ramsey Call of the Day podcast. It's a quick hit

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