The Ramsey Show - App - The 2021 Annual Christmas Giving Show (Hour 2)

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. For 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 here.

Open phones at 888-825-5225. There are five things you must do with money if you want to be successful with money. One of those is you have to learn to become generous. Generosity, the data all shows us among millionaires that we've studied, among people who live successful, well-rounded lives, that they are generous. And generosity extends beyond just giving someone money. It's the spirit around which you do that. Generosity is holding the door for someone when they got their armload of groceries. Generosity is a smile. Generosity is kindness when someone's hurting.

Generosity sometimes is not talking. Remember that when you're with your family this week. Generous people are highly attractive. They have a tendency to prosper more than selfish people. When you walk in a room and you bump into a taker or you bump into a giver, your body physically recoils when you're having a conversation with a taker. You feel like you need to take a shower after you met with them. Quite the opposite when you meet with a giver. Even if there's no business transacted, even if there's not an exchange of goods or services or ideas,

it's a simple conversation. When you meet with a giver, it's a different experience. Even if you meet them the first time or the hundredth time, it's a different experience. We all know takers and we all know givers. The interesting thing is people sometimes do not correlate this correctly with prosperity. You don't wait until you're prosperous to become generous. You become generous, and it's one of the key elements that will cause prosperity to come towards you.

It's not mystical, and it's not magical. It's simple. You're simply a better person and it was a decision you get to make suddenly like right now ta-da now i am a generous person 10 minutes ago i wasn't i can just decide to be that you can just decide it's like a lot of character things you can just decide sometimes it requires an event for you to decide sometimes you just look at yourself in the mirror I can just decide to be that. You can just decide. It's like a lot of character things. You can just decide. Sometimes it requires an event for you to decide. Sometimes you just look at yourself in the mirror and go, I think what Ramsey's saying is right. I think generosity matters.

I'm just going to be generous. So we're going to promote generosity. It's what we always do, but we really do it in the last live show of the year, which is today. So today is dedicated all three hours to giving stories, giving and receiving stories to inspire everyone to be better at giving and better at receiving, more of it and more wise with it. We're not talking about enabling. We're talking about giving lift to people and things that need it and that are going to heal, be more hopeful because of your generosity so let's hear your generosity stories phone numbers 888-825-5225 and i want big deal stories i want stories that make you cry so you call in make us laugh make us cry make us remember

to be more generous 888-825-5225. Brett is in Salt Lake City. Hi, Brett. Welcome to the Ramsey Show. Hey, thanks so much, Dave. Truly an honor to speak to you today. Appreciate the call. You too, sir.

Tell us about your giving story. So we are actually on the end of a receiving story, and this is a community-based receiving story. I'll give you just a really brief background of what's happened. My wife and I went into the hospital on August 31st for a delivery of our fourth child. Everything was going normally until her water broke, and within minutes, she was struggling to breathe. She passed out, and she actually went into cardiac arrest. Whoa.

From a, yeah, she had a rare complication. It's called amniotic fluid embolism. The amniotic fluid mixed in her bloodstream and then kind of a lethal level. So a rapid response team was called. They started performing CPR on her as well as life-saving medications. And then a second team of doctors led by an OB on site rushed in and did an emergency C-section to deliver our baby. In time, they were able to get a pulse back for my wife. They were able to get her stable enough to get on a life flight and take into a higher level of care hospital in Salt Lake. And then our son was also life flighted to that same hospital to receive NICU care. He was in the hospital for eight days.

And my wife, Cammie, she was in the hospital from August 31st to November 27th, dealing with a variety of different complications. One secondary thing that happened from the AFP was that she had a massive stroke that has left the left side of her body mostly paralyzed. So that's something she's dealing with now. So that's kind of the background of what we had going on. And the community outreach has just been unbelievable. We had a good friend and neighbor. She set up a GoFundMe page that raised $50,000 for medical expenses. Wow.

We had another good friend and neighbor who she literally took over the schedule for us. She, every Sunday night, she'd come over, she'd visit with me. She said, here's who's bringing you dinners on what night. Here's the kids' schedule. Here's who's going to take them to dance, to music, to play date. And here's who's going to provide childcare while you need to be at the hospital with your wife. It was just unbelievable. An old college friend, she works for a children's book company now. A book of children's books showed up on our

doorstep. Anonymous donor after anonymous donor just sent us a bunch of money. One night in November, I heard a knock on the door. I opened the door. It was the son of who used to be our neighbors. When we moved in to the neighborhood in 2018, our next door neighbors were an elderly couple who had dementia. And my wife and my daughters had befriended this lady and did puzzles with her, played games with her and things like that in the last few months of her life while she struggled with dementia. So her son showed up on our doorstep and he said, hey, we've heard the story, and we just wanted to help make your Christmas a little brighter and gave us a whole bunch of cash from their family to ours.

Another small community close to us, they do a giving tree every year, and somehow they caught wind of our story. So they donated that tree to our family. It's basically an artificial tree with envelopes full of just different cash and money and things like that. I mean, we received enough blankets. I mean, you're just smothered with love. It's overwhelmed. Yep, exactly.

How's your baby doing? Baby is doing really well, honestly. He came home, and he's developing. Appears to be very normal developing, and he's doing great praise god yeah and prognosis on your wife's paralysis will it be there or you think she'll work through it um i think we think it's going to continue to get a little bit better over time she'll probably have some level of deficit forever but um she's making progress every week so we're really grateful for that. Well, you just gave a complete diagram of how to walk into people's lives and save them

when they're reeling. It's beautiful. Absolutely beautiful. Wow. Man. Merry Christmas. Thanks for sharing that, Brett. People put off buying life insurance and getting the protection they need for a variety of reasons.

So let's clear up a few myths to make sure you get your family protected. First, term life insurance, it's not expensive. In many cases, it's just plain cheap. Most people are surprised by how much less expensive it is than they thought. Second, life insurance through work is not enough. You need 10 to 12 times your income to protect your family, and relying on protection that in most cases you lose when you change jobs is a big mistake. Third, stay-at-home parents need life insurance as much as anyone, especially those with young kids at home.

How else will your surviving spouse get the help they need? Lastly, it's not complicated, especially when you use Zander Insurance. They shop the top companies to find you the best rates, and they're there every step of the way. Visit Zander.com or call Zander at 800-356-4282. here at Ramsey Solutions we are on a mission to transform so many lives that we disrupt this toxic culture. What's all that mean? Well, imagine a world where it's weird to have a student loan. Imagine a world where it's weird to have a marriage or a career that's not working. We want to show you how to live life right where a credit card is the cigarette of the financial industry, which it is.

Now imagine being part of a team that's making all that reality happen, whether you're writing code or shipping a book. We're disrupting stuff around here. We create digital products and services. If you want to join us on this crusade, we are on the hunt big time for developers, UX designers, SEO, content marketing specialists, data engineers. The digital space is exploding around here. We've got 1,058 team members right now, and they are doing work that actually matters.

I was talking to a coder at lunch, one of our top dev guys. I sat down at a table with him just having a conversation this week, and he said it's just really nice to work 40 hours a week because most of the developer world, they work 80. They would just run them in the dirt. And he said it's also really nice to know when I write a line of code, it's probably helping somebody's life be changed rather than just pounding some product out there into the marketplace.

And he's right. So find out about all of our available jobs by checking out ramseysolutions.com slash careers. So find out about all of our available jobs by checking out ramsaysolutions.com slash careers. We've got a lot of stuff that's not digital, too. So we'll hire about 350 to 400 more folks in the year of 22 coming up, and so get lined up with us here. Go to ramsaysolutions.com slash careers.

Open phones at 888-825-5225 it's our annual giving show nancy is in washington dc nancy tell us your giving story hi dave thanks for the call um our giving story is about a scholarship we set up at my husband's alma mater we are are a Marine Corps family, retire now, and we are baby step millionaires having paid off our home in 2018. Way to go! Yay, I know. Before our final mortgage payment, we began talking about what our budget would be like without the house payment. My husband played football at university before he joined the Marine Corps, and he said he wanted to donate to a student football player who was also a military veteran. He contacted the coach but was told NCAA rules would not allow this. And I said, well, okay, well, we should do a scholarship.

And he tells me this. He found this out while we were driving a U-Haul across country. And first he thought it was nuts. But the idea came from one of the stories in your book, Retired Inspired. And he just couldn't imagine that we are the kind of people who set up a scholarship. So we're in this U-Haul. That sounds like stuff rich people do. Right, right right you know

yeah really and and so he's my captive audience in this u-haul and i asked him let's brainstorm the idea anyway and after a few days he realized it was possible so we now have a three thousand dollar a year scholarship for a student who has an interest in federal service after graduation. The applicants write an essay about how their career goals will help others or what they've learned about leadership through work or community engagement. So our current awardee is an Air Force veteran. He's in his second year of the award, and he's a junior in school. And also through my husband's company, they have a charitable match program, and we were able to secure an additional $1,000 for our student scholarship awardee.

And he was awarded $4 thousand dollars in his first award year and also we were at the school visiting promoting our scholarship and we were speaking with the veteran student advisor to tell her about our scholarship she gave us a tour of a little break room that the veteran students have that they can come and, you know, take a break and whatnot. They were raising money to renovate that space. And because we were debt free, we were able to donate $5,000 to that campaign. I love it. Wow. Exactly. It's wonderful. And we could not have done it if we had not followed the financial peace program. And we would not have been out of debt and debt free to give back in this small way.

Wow. That's powerful. You guys are amazing. Well done. Well done. That's good. You know, we have found that with, we've actually now made it kind of a rule with our Ramsey Family Foundation, and it's exactly what you all did, that we want to, we don't give just to random things. We give to something that is attached to one of us. So like your husband's a veteran and played ball, so your giving was attached to him and his history and the way he did things. And it doesn't necessarily have to be exactly that way or that thorough that's a very thorough attachment but just something that we one of

us and their family has has a has a burden for a care about um versus just is it a good thing because there's always more good things than there is money to give to but uh we just try to you know emotional attachment spiritual attachment historical attachment to one of us in some just try to you know emotional attachment spiritual attachment historical attachment to one of us in some way is um you know it's almost a a filter for the things that we decide to give to in the ramsey family so good for you i like that that's very good nancy i like it and so this is perpetual you're doing this every year yes Yes, yes. So because the students are either, it's for sophomores, juniors, or seniors, and the awardee can have it their entire three years of the school, depending on when they apply.

Yeah, if they're going to be there for the three more years, then you could just leave it with them and help usher them all the way out. That's perfect. I like it. Good job. Touchdown. Congratulations. I like it.

Pete is in Spokane, Washington. Hey, Pete, tell me your giving story. Merry Christmas. Merry Christmas, Dave. Nice to talk to you. You too. So, my family, we had a family business and our much larger competitor bought us out a couple of years ago and that set us up well for our retirement and for life. And recently, this year, we had a high school classmate, a high school classmate of my wife

and myself, and she's been having some struggles financially. And at the same time, her mom passed away. And we were able to purchase her mom's house from the estate so that she could live in it.

So we gave her the money to purchase the house from the estate. That's fun. How much was that? It was $130,000. Yeah, ding, ding. Yeah.

So a few tears there when she gets the keys to her mom's house debt-free. Absolutely. Man. We also gave her $30,000 on top of that to pay off her car loan, some credit card debt, and another personal loan that she had. Wow. And give her a little starter emergency fund. Well, she's on her way now.

Yeah, we pretty much set her up so that she can have a comfortable rest of her life, we hope. All she's got to do is run the lane now. You got the lane laid out. Exactly. Beautiful, beautiful. Well done. So when you sold the business, what'd you sell it for?

How much? Oh, it was like I was a part owner, so my share was roughly $11 million, I'd say. Okay. Very good. Yeah. I like that. A nice liquidity event. Yeah, very good.

Yeah, that's the way to put it. Yeah. So you can look up, you know, when you've got $11 million, you can look over and drop $130,000, and it's like buying a biscuit. Exactly. Well, we can't do it every year, but, boy, when we feel called, we sure felt called in this case. Yeah, when God serves it up on a platter, you just got to go, yeah, there it is. Exactly. There was no question in your mind at any point in this process that this lady was A, in need, but also deserving.

We were both completely on board, for sure. Powerful. I like it. Yeah, I like talking to evil rich people. Yeah. Yeah. Hey, man. Way to go, Pete.

I'm proud of you. Proud of your success, and I'm proud of your generosity. I'm honored to know you. Thank you for calling in with that. So one of your relatives tells you that honored to know you. Thank you for calling in with that. So one of your relatives tells Pete, tells you that all rich people are evil over the holidays. You'll just have to tell them about Pete, okay? This is the Ramsey Show. Thank you. It's our annual Ramsey Giving Show. We dedicate the entire three hours of our last live broadcast of the year to the subject of generosity if you've been giving

or you've been receiving and you have a great story to inspire and to lift and encourage others to join the generosity train to jump on board call me the phone number is 888-825-5225 our audience needs to hear your generosity story we've got got 1,058 folks here on the Ramsey team, and a precursor to joining the Ramsey team is we try to hire good people, not just people who can do a job. We hire people of character because that's who we want to hang around with because guess what? You become who you hang around with, and so you hang around with a bunch of scum,

you become scummy. You know what I'm saying? Hang around good people, you become good people. And so consequently, we have an incredible team packed full of generous people. Margaret Close is on our HR team. She's a team engagement specialist. I didn't even know that was her title. She's been with us for four years.

She and Lee, for instance, one of the things they do, her cohort in crime, they do two days of onboarding for new team members every two weeks. And I'll always slip in there and spread a little hanky dissension on the new people. And she's in there guiding that and cringing while I'm doing it. So it works out great. Margaret is a gem. And I can't wait to hear your giving story. I'm just here to get you back, Dave, for all those times you sat in my onboarding. Well, there you go. Not knowing what I was going to say

and now the roles are reversed. I have no idea what you're going to say. Well, I am so grateful that we even do this show because there's so many things that I want to shout out with our specific team in my season recently. So four years ago, I came here as an assistant, and I didn't know what the future would hold. And now I'm in a dream job I didn't know existed. But two years ago, I met a man online, and we quickly fell in love, but realized we live in

different states. Somebody's got to move. Somebody's got to uproot their entire world and make the other person happy to pursue them. And so this man moved for me in the middle of 2020, left his home that he sold, his career, his church, everything to come and pursue what our future would look like here. And there was a lot of fear with the job transition and what that future might hold. And so we just took those steps of faith. And after two years, I was going on a walk with my leader, who's right over here. She and a few others conspired at the office over a lunch break. I went on a brainstorming walk with her, bumped into my fiance, who was waiting to walk me down that country lane and propose.

Oh, it was a setup. It was an absolute setup. This team is incredible. So you'll see some photos here. And Dave, I think you were there right after all the hype. So I like to say I put engagement and engagement specialist. And so, and it's not on purpose, but we are getting married on the same day that my work anniversary is. I just love this place so much.

That's just a little weird. Yeah, it's a little weird. Yeah, not on purpose. But all that to say, the generosity that has come, I have had to repaint the picture a couple of times because I'm debt-free, and he brings some student loan and car loans into things and we want to responsibly move forward financially and have a plan with that but it definitely wasn't the Disney princess picture that I had and do you know how much weddings cost? I've heard the rumor. Oh my word you get engaged and it's immediately the sticker shock on everything. I mean, just to rent pipe and drape was our entire budget.

So there goes the pipe and drape. And we just had to figure out our priorities very quickly. And there was so much turmoil, just wondering what our future and our celebration would look like. And that was for about a month. And then my spiritual mentor here, Kate Stratton, invited me to a Father's Heart weekend. We both got to go. At that weekend, we really just were kind of, we kind of had a reset of what's important, what really matters, how do we want our wedding to represent the true Father God's heart? Well, we went to dinner that next week with Rich and Lynn Hodge, who led the retreat. They've been with YWAM for 20 years as missionaries.

And they said, Margaret, we really feel drawn to you guys. We love you all as a couple. And we want to come alongside and bless you with a honeymoon. There you go. Everything included. Whoa, turnkey. Turnkey. And that was a huge relief because we're planning a move and a wedding and an international trip. And it's so much going on.

And they said, we want to invest in you guys and the start of your relationship. We have a phone call with them tonight to confirm the destination. So I'll keep you posted. All right. But a couple other things. We've gotten our venue for free. Our new church has been incredible. My wedding planner is here at Ramsey.

Video and photography have been donated so that they can use it for marketing. There's a couple friends over here that I was working with last night to assemble some floral arrangements and who are helping do calligraphy and Dave the response has been so overwhelming especially from the Ramsey team which truly has become like family so I cannot thank you enough for just the culture that is here when life happens I feel so this is good life happening yeah this is a good life good good so what's the date january 29th all right coming up fast 38 days but who's counting but who's counting in four hours and 22 minutes yeah but yeah all right look at this that's what good for you i'm so proud of you well done you're an incredible team member incredible lady but that is a great story and uh yeah you guys will be in a position

before you know it to reverse those uh reverse reverse those directions and be buying honeymoons the rest of your life. You never know. That's true. So that's very, very cool. Somehow God usually gives us an assignment that's similar to the one that was with us, you know? And so good for you. So well done. Good, and an honor to have you on the team.

You're incredible. Thanks, Dave. Very, very well done. Merry Christmas. Merry Christmas. Margaret Close from our team, team engagement specialist in hr works there and uh welcoming our new folks on board good stuff good stuff so let's hear what your giving story is open phones at triple eight eight two five five two two five bryce is in Idaho Falls, Idaho. Merry Christmas, Bryce.

Hi. Hey, what's up? Hey. Oh, not a whole heck of a lot. Just sharing my story. So a couple years ago, last year, just before COVID, my wife and I got out of debt and got our emergency fund stored, and I got laid off.

And so I took the opportunity to take a few months. And I was riding my mountain bike, just enjoying life. Came across a corner and broke my wrist. Oh! Yeah. And it cost rough wealth. Of course, you go to the hospital and the hospital tells you, well, if you pay for it today, you can save about 10 grand.

Otherwise, it's going to be $26,000. So we used our emergency fund and every dime of it and paid cash so we didn't have to pay that extra 10 grand. Yeah. But that left us with doctor bills, of course. And so we had a local lady in the yard in the town and she offered to do a Facebook, uh, auction, which raised a couple thousand dollars. But then we happened to be visiting my mother-in-law here in Idaho. Cause we were living in Wyoming at the time. And my wife received a phone call out of the blue from an old family friend that she grew up with.

And she says, I've been praying that I needed to help some people. And your name kept coming to my mind. But I need you to come over in person to pick it up. And we just happened to be in town. Of course, nothing's ever happened, Stance. Right. And we went over there to her and she says, I want to

help you guys and I don't know why, but I need to give you $5,000. Whoa! Yeah. We were shocked. It was basically almost the exact amount we needed to pay off all the doctors

and still have about $1,000 left for our new emergency fund to start building our big one. Powerful. It was probably the most amazing experience I've had in a long, long time. Amen. Great story, Bryce. Thanks for sharing your generosity story. That's powerful. It's always the exact amount, too.

That's the way it works when God lines it up. This is the Ramsey Show. We'll be right back. It's our annual generosity show here on The Ramsey Show. We're taking calls from you about times that you were on the receiving or the giving end of generosity. We're trying to inspire more generosity. And sometimes the way we inspire that is you just get an idea from one of these things it's something you might do you might go you know i was just thinking about that and then that came on the radio so there you go that came on the podcast so there you go that came on the youtube so there you go and then you go home and you go do it this is perfect it's what we want to do we want to spread this out because uh generosity is uh highly attractive and it's what makes this whole money thing work.

Nick is with us in Lubbock, Texas. Hi, Nick. Welcome to the Ramsey Show. Hey, Dave. How's it going? Better than I deserve. Tell me your giving story. Well, I have a receiving and a giving story.

The receiving story is a couple years ago, my wife and I were going through a hard time. I had a hard loss of a dear friend and we were looking for a new to us, uh, minivan. And we came across one and the couple that we met with, um, it had been well taken care of. It's an old four model. And as we were doing the title transfer, you know, we were kind of telling them our story. We had a little one and they decided to pay for all the title tax and license transfer over. And then we told them our story about how we were on your plan, saving up for nursing school and, you know, trying to pay off student loan debt. And they offered to help us out while we were going through nursing school. Wow. Well, nursing school didn't pan out.

And so what they've done instead is we just had another little one back in June, and they have given us a year's supply worth of diapers. Oh, my gosh. Yeah. That's been a huge, yeah, it's been a really huge help and they've just been a great couple. They send our daughters books and clothes and just all because of a minivan. Wow.

So, and then our, uh, our giving story is, um, you know, we were, this was still before we found out about nursing school, but we'd been saving up for that.

And one of, uh, one of my coworkers, uh, came down with COVID really bad, um, to the point where he was hospitalized on oxygen and he ended up listening to the wrong people and taking his oxygen off early and ended up back in the hospital, almost dying and had to have a second blood transfusion. Oh my goodness. He is the sole provider for his family, his wife and his four kids. Um, and had been out of work for almost a month at this point. And I worked for a local landscaping company. So it's, you know, we make, they take care of us, but it's not, you know,

it's not bukus of money. Well, I talked with my wife, you know, a bunch of the guys got together and we decided that we were going to help them out. Some of the guys helped in other ways than what we did, but my wife and I decided that we were going to help pay his rent. Oh, good. And so I met up with the landlord, and his rent wasn't outrageous,

and so we paid his rent all the way through January 1. All right. Yes, sir. And so we paid for four months of rent to get his family through, you know, this turmoil and then through the holiday season as well. And so and now he's back at work and I think things are going better for him. But it's all been possible because, you know, we followed your baby steps. Well, and because you kept your heart open in the process oh my gosh that's wonderful very nice great job hey that's good you know paying rent or paying a light bill

through the end of the year or something like that those are very tangible things that you can do and you you are you have a hundred percent assurance of what the money is doing you don't ever have a sometimes if you give somebody cash you don't know where it's going to end up exactly You have 100% assurance of what the money is doing. Sometimes if you give somebody cash, you don't know where it's going to end up exactly, right? Yes, sir. That's not to be selfish or something like that, but you need to be wise in your generosity. And what you're doing there, just going straight to the landlord paying the rent, that was very wise and unbelievably generous. So that's a good model to follow. I like that a lot.

Very good quote very good job man way to go nick feels good doesn't it yes sir absolutely it was it was a great my wife and i've always been generous but we've never had the extra income to or the extra money to do that and so this is a huge game changer you know we're we're out of debt now so it makes all things possible oh that changes everything i mean you got some money now broke people can't help people that are hurting you know i mean it's like you know it's a pretty basic math thing but you know we got this bunch running around out there in america today just running down everybody that's successful and anybody who's built wealth must be a must be a grifter must be a horrible person if they're successful and you know that's

just crap you know you that's just crap. You know, you people, y'all ought to be ashamed of yourselves in telling that. Because if you listen to this show today, you find out people, good people get money, good things happen. And it does happen. And by the way, that's usually who ends up getting money. So, good stuff. Well done, sir. Touchdown.

Our annual giving show, Amy is with us in Grand Rapids, Michigan. Amy, tell me your giving story. Hi, Dave. Thank you so much for having me on. It's such a pleasure to talk to you. My husband and I are huge fans. Well, we're honored. We would not have met if not for you, and we would not have been able to make the donation that we did if not for your principles.

So my husband and I, right after we got married in June, we made a $5,000 donation to a charity, a nonprofit that's very close to our hearts. It's called Building for Bridget. And it is a nonprofit founded by my sister and brother-in-law. My brother-in-law is from Africa, and they are building a school in his home village. Oh, I love it. Yes, and it's going to serve 125 kids when it opens in January of 2023. But my husband and I actually met in a Dave Ramsey Facebook group right before the pandemic because we are both huge followers of yours. My husband is from Michigan. I lived in Wisconsin at the time.

And we both knew that we wanted somebody who was financially savvy. And what better way to meet that person than in a Dave Ramsey Facebook group? So when we got married, well, before we got married, we had come up with a very detailed plan. And we said one of our goals is to be outrageously generous, like you talk about. And so we allocated this $5,000 that we were going to donate as a way to celebrate our wedding as soon as we came back from our honeymoon. Cool. And so that's what we did. We got married in June. We ended up taking a family vacation rather than a honeymoon. We're on our honeymoon right now, actually. And so as soon as we came back in June, right after our

wedding, we made the donation and it's helped fund the school. And we hope that we're going to be able to continue to be charitable through the rest of our married life. And my husband actually hit everyday millionaire status right before our wedding. Wow. Yes. And I was so proud of him. He was 44-year-old engineer at the time. And then when we got married and combined finances, like what you talk about, that put us solidly in the millionaire millionaire status so now we have we have a line item in our budget for giving and we're hoping to continue this we want to continue being generous for the rest of our married life and we both cannot thank you enough i'm proud of you way to go do that you're you're amazing i mean five thousand dollars000 feels like a lot of money, and it is a lot of money.

But here's what's strange. The more you do it, the less it'll feel. Yes, and we are very much looking forward to that. So thank you. Thank you so much, Dave. Well, thank you. Merry Christmas to you. That's a great story.

That's awesome. But the way to start your married life is in generosity. So would you guess that people who have a pattern of giving money, being generous, have a higher probability of success in their marriage? Well, duh. They're not selfish. Number one cause of problems in marriage, selfishness, including my 40 year one. This is the Ramsey Show. Did you know over 18 million people listen to The Ramsey Show every week? And a lot of those people listen on one of our 600 plus radio stations across the country.

To find a station near you, head to theramzshow.com.