The Ramsey Show - App - The 2021 Annual Christmas Giving Show (Hour 3)

Episode Date: December 22, 2021

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I'm 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. I'm Dave Ramsey, your host. This is the Ramsey Show. Today, all three hours, we are dedicating to the subject of generosity.

There are five things you must do with money if you want to succeed with money over the long haul. One of them is you have to develop the muscle of generosity. And like any other muscle, it must be worked out in order to be developed. You must practice generosity. And generosity is sometimes and oftentimes more than it's a character quality, not just an action of giving money. You can actually have people who give money who are not generous, believe it or not. That's possible. But we want to talk about giving money, and we want to talk about the giving heart, and

we want to talk with you and hear your story of a time that giving intersected your life and changed your life, a time that you were on their giving end or the receiving end and it left a mark it changed the people involved and thereby you give other people that are listening and inspiration to be givers and ideas on how they might give the things they might do the thing you might want to change out there. And I'm not talking about you left a $20 tip. Whoopee, okay, that's wonderful. I'm glad you did that. Do that all the time.

Make sure you take care of people. That's not the question. I'm talking about something where you go, wow, that's pretty cool. Yeah, the show is all about generosity. It's our annual Ramsey Show giving edition. Open phones at 888-825-5225. Andrea or Andrea is with us in Sarasota, Florida. Hey, Andrea, what's up?

Hi, Dave. Thank you for having me on the show today. And I just wanted to also say thank you for the positive impact you've had on my life since I became a listener about a decade ago. Wow. Well, thank you. Merry Christmas. Tell us your giving story. Okay. So back in 2009, I earned my master's in music performance at a conservatory in Lugano, Switzerland. After graduating, I was completely broke and had no job prospects. I came and boomeranged, as you said, back home to Florida.

And at that time, our economy was complete trash. Orchestras around the country were closing. I also didn't really know about what I wanted to do anyway. So I applied to around 200 different places and finally got a job as a sales associate at Macy's for $7.25 an hour. And then six months later, I started working as a substitute teacher. After a very tough year back stateside, I became the band director at my alma mater, Southeast High School in Bradenton, Florida. This is now my 12th year there.

We're a Title I school, and I worked many, many long hours. But my admin and colleagues are super supportive. My students are amazing and talented. Hilarious. There's never a dull moment around here. So it's truly my dream job. Cool. All that being said, during my first couple years of teaching,

I was completely overwhelmed with working so much. My personal life was in shambles. My dad was suffocating me. And I love my job. So I can't even imagine what it would be like to not love your job, but I felt trapped even still. And I had so much anxiety and I would just like sit in my car at my desk and just breaking down crying.

I sort of knew who you were at the time, but my twin sister, Kelly, really is the one who got me on board. And so I started listening to your show on podcast. Later on, I read the books, went through a few and started following your other Ramsey personalities. So with some encouragement and help along the way and perseverance, and most importantly, a plan, I got myself out of $64,000 worth of debt. My debt consisted of student loans, a car note, credit card debt, furniture debt, and a financed schnoodle, Anya, who I affectionately call my best worst decision.

There's more nuance to all that, but basically since March 2015, right before I turned 30, I've been debt-free, thanks to you. Thank you. Way to go to go proud of you so then jump to december 27 2019 um our grandfather grandpa bill passed away um and he left my sister uh and i four hundred and seventy two thousand dollars each goodness yeah we had absolutely no idea that that was going to happen and that kick-started our 2020, a year like many, for many, with some really high highs and some very low lows. But with that money, I was able to buy the house I live in from my mom. My sister, Kelly, and her husband, Vance, paid off their house. And my sister and I both gave $30,000 to our cousins.

We also invested a lot in Upgrade Our Cars. My sister gives to many organizations, including Woodstock City Church, the Nazarene Fund, and her orchestra, Alpharetta Symphony Orchestra. I also give to the Nazarene Fund and my school, particularly our band program. And over the years, I've probably donated around $60,000. I've donated instruments and equipment, paid for band staff, paid for students to attend honor bands, just fun things and necessary things all alike. And then this past year, I was also able to foster one of my students for almost a year. Wow. And I gave her my old car.

Wow. It just keeps going and going. It does. And, like, I'm a fairly private person. And, you know, for someone who majored in performance, I prefer to be behind the scenes. But I wanted to encourage others to share their stories because it's inspiring. And also just like about becoming debt free. Like you always say, like teachers are like the number three job to like be millionaires. So even teachers can do it. Even musicians can do it. I got myself out of debt and on a plan and I was giving generously with time and resources before I was gifted the money.

And I know like the other day I heard you say on the radio, like you're not going to give money or leave money to people you don't know or people you barely know. And that just reminded me of like my mom always encouraging us to communicate with our family and write cards and just like the little things that add up. And I truly believe like that's why I was blessed with this, my sister and I, because we learned how to manage money God's way by saving some, spending some, giving some, and also by giving thanks. Amen.

So thank you. It sounds like your grandpa was a special dude. Yes, very much. They called him Hollywood. Yeah, I like it. He's i like it i like him he well and he left his granddaughters a million bucks that's pretty strong exactly and i mean not just us i mean he left you know my my mom and my aunt my you know a bunch of money too so yeah he definitely you know created a legacy with all that now i'm on my way to become a Baby Steps millionaire. Yeah, and no question, Grandpa Bill is smiling from heaven on you.

Well done. Well done. Wow, a lot going on there. But here's the thing. Giving is not as simple as a one-time thing. It starts sometimes with a one-time thing. But you heard her story. There's giving all over it.

Everything she touched, there's tentacles everywhere. And then receiving also. Hello. That's how it all works. Beautifully done. Well done. Thank you for sharing, darling. Merry Christmas to you.

This is The Ramsey Show. you've got a lot on your plate a job your home your marriage and your growing family while you're enjoying the present you can't help but think about your future and your growing family. While you're enjoying the present, you can't help but think about your future and your finances. As you explore your options, consider Christian Healthcare Ministries or CHM for your health care. Their generous maternity program and budget-friendly monthly programs have been a blessing to members welcoming children into their families. Visit chministries.org slash budget to see if it's right for you. Christian Healthcare Ministries is a Ramsey Trusted provider. Well, we all know the story of the tortoise and the hare, and we know that the tortoise wins because he was slow and steady, and the slow and steady always wins the race.

But what we don't do oftentimes in that story is back up and say, well, here's what happened to the hare. He couldn't keep his eye on the ball. He took a nap. He didn't play through. And if you've been running around all over the place chasing your tail like the hare, maybe this is your wake-up call. We want 2022 to be your best wealth-building year yet.

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Make 2022 your best wealth-building year yet. Shop at the $10 sale before it ends at RamseySolutions.com. Our question of the day comes from Blinds.com. Find out for yourself why Blinds.com is the number one online retailer of custom window coverings. You get free samples, free shipping.

And with the new promos they run every month, you'll save even more. Use the promo code, the magic word, Ramsey, to get the best possible deal. Today's question comes from Justin in Delaware. My niece will celebrate her first birthday soon, and I'd like to give her a gift that my brother and his girlfriend can't cash out or keep for themselves. Although I've not met my niece yet, I love her dearly. What avenues can I take to set her up for a successful financial future? Having the ability to contribute to the gift on future birthdays and holidays will be a plus.

Are there any ideas or advice you would recommend? Sure. You can open a 529 or just a mutual fund in the child's name, and you can set yourself up as the custodian. You merely need the child's Social Security number, and you would want to notify the parents, of course, that you're doing this. And you can notify them how much you're putting in there and those kinds of things.

You're the custodian. You will manage the good money on behalf of the child until the child reaches 21. At 21, it is their money, and you no longer have any control over it. And that's how a custodial account works. And by the way, that's how any kind of bank account or investment is done on behalf of a child. Children, unless you're 21 or 18, in no state in the union are you able to contract or enter into a legal binding contract. So you can't open a bank account with just a kid name.

The kid's name has got the parent's name on it or somebody else's custodian. You can't open a mutual fund just a kid's name unless someone else is the custodian on behalf of the kid. Now, the kid can be the owner of the account, but they can't, you just can't, you know, like I can just have one just in my name but you can't do that if you're 14 it has to have a an adult's name on the account as well and they are the managing party of the account called the custodian and so when you open a mutual fund a kid's name it's taxed at the kid's rate uh which is nothing unless there's a bunch of

money in there and it starts actually making so much money in a given year that it creates a taxable event for the child but that'd be that you'd have a lot of money in there at that point and the thing's making a really good rate of return as well so uh probably what I would do in this case is open a 529, which is for use for education. It'll grow tax-free. You can set yourself up as the custodian, but again, you need to have a conversation with the parents that this is your intent. Hey, I'm going to open this account so I can give to it regularly. I'm going to put $5,000 in there the first year.

Um, and I'm going to add to it as I go along. I'll be the custodian. I'll send you guys the statements, let you know what's going on just as a courtesy. And, you know, and you can communicate. We'll all communicate with the child as the child grows that they've got their college or their future or whatever it is taken care of. And that's a beautiful, beautiful way to do that. And that's a nice, nice thing that you're talking about doing for a niece or for a nephew. Very cool.

And the beautiful thing is it sounds like the parents are probably immature or out of control or something. And that way they don't go spend it on some silly thing or some evil thing or something like that. And the money actually stays with the child because you're in control of it. And that's what I would do in this case because the way you describe this, I read between the lines that you don't trust the parents for whatever reason, immaturity or misbehavior or whatever. So, hey, man, that's very cool. Today is the giving show, the annual giving show on The Ramsey Show.

We do this every year. Three hours of stories from you about giving and about receiving. The importance of generosity. So jump in. We'll talk about your life and your money. It is a free call. Let's hear it. Let's hear your giving story.

888-825-5225 mike is with us in amarillo texas hey mike welcome to the ramsey show tell me your giving story hi dave merry christmas merry christmas hey uh we've been uh my wife and i we've been long-time listeners ever since town hall for hope back in 2009 wow and uh we we've learned a lot about money since then, and I just wanted to be able to, we've gotten to have some fun with generosity, and I wanted to share some fun we got to have because of the Ramsey Show.

Cool. So last January, I was listening to the Ramsey Show. I heard a caller call in from my hometown, so my interest was a little bit piqued. I was like, all right, what's she calling about? She said she was a single mom. She'd been working the baby steps and she was trying to figure out at what point to start her dream of going to dental hygienist school. She didn't know how to afford it, but she was considering leaving a good administrative assistant job to wait tables at night,

but she was really worried about being able to follow through with schooling, just with work-life balance and her daughter. So you and Hogan kind of talked to her and gave her some real encouragement, told her she could do it. But in the call, she gave enough info about her job, and we're a smallish town, so I did some stalking, and I found her workplace on Google. So then I had my wife listen to the call. I didn't tell her why.

She thought it was a really amazing story. Just hearing that, the struggle the girl had, but just really wanted to be able to encourage her. And so I said, what do you think if we gave her a gift? And she was like, how would we find her? I said, well, I already did the stalking. Always good to let your wife in on the fact that you're stalking someone. Yes, I let her know.

I didn't hide that. I took some Google and LinkedIn work. But, um, so we talked about it and she said, we really, that'd be a great encouragement for her. That'd be a lot of fun. So we went, uh, we got, um, $500 cash from the, the, uh, bank and we put in an envelope. We wrote some scripture out for her. We prayed over it and her and her daughter. Um, and we, uh, and, and we encouraged her in the car just to follow her dreams, go do what she wants to do. Um, and just put in a work. So we went to the office where she was an assistant. Uh, it was still COVID time. So the office was closed, but we knocked on the door. A girl came.

We said, hey, is this person here? She said, that's me. And we had no idea. So we said, okay. We gave her the card. We said, be blessed. And we turned and walked to the elevator and went down. I have no idea what she thought.

Like, she probably was like, what just happened? So fun. I know. It was a lot of fun. We were giddy on the way back to the car just thinking it was fun and what surprise she had when she opened that that day. Man, good for you. You put some effort into this.

I mean, this is well thought out, well executed. Good job, man. I like that. Hey, proud of you. Proud of you. That's what it's all about. That's what this show is about today. It's all about generosity.

Merry Christmas, America. This is The Ramsey Show. We'll be right back. It's our annual giving show on The Ramsey Show, all about generosity this hour and for the last two hours as well. Open phones if you want to tell us your giving or your receiving story. We'd love to hear it. Make it something good so that other people are inspired to do just that we got 1058 people on the ramsey team and i gotta tell you we hire good people only unless you completely fool us in the interview we are great folks and uh part of being a great folk is being incredibly generous so we always invite our team to also participate in this giving hour kate stratton's been with us three and a half

years uh she works in identity and access administration over in the it team and got a great giving story hey kate merry christmas thank you merry christmas to you too dave so good to have you so tell me all about your giving story. All right. Well, my story of giving is very near and dear to my heart. Hundreds of people have given their time, talents, and treasures to my brother Bob and his wife Barb. Last January, this year January, Bob was at the grocery store putting his groceries into the back of his car. And as he was doing that, a gentleman that was under the influence drove and hit Bob.

And EMTs got there so fast. They saved his life in the ambulance on the way. There were the emergency doctors that did exactly what they needed to do. The first week, we were on pins and needles, whether Bob would even make it or not. Bob made it. He lost both legs above the knee. Oh, my goodness. Yeah. Just so many people. This was a brutal accident. This was a brutal accident. Life changed like that. Wow.

Yeah. Yeah. And so, but Bob is just incredible, Dave. He's got an incredible attitude. He has been moving forward on every part of this and just been positive and said, you know what? Hey, at least it's not my internal organs. At least my back's not broken. This could be worse. His attitude is amazing. Wow. internal organs, at least my back's not broken. This could be worse. His attitude is amazing. I think it's because of that is why he is healing so well. So physical therapists, nurses, all of them love them because when they come into the room, Bob would be like, how you doing? Great to see you. Thank you so much. I mean, he was encouraging them even more than they were encouraging him, which is beautiful. Just that's who he is. So the first week that this happened, a good friend of ours from high school said, Kate,

we got to do something. I want to start a GoFundMe for Bob. Sure. Because, you know, the expenses are going to be crazy. Oh, yeah. I mean, for lifelong expenses. And so over 300 people, Dave, friends, acquaintances, family gave to Bob, even people here at Ramsey that don't even know him, gave to this GoFundMe. And they raised over $90,000.

Wow. Yeah, to coming together. So the story's not done yet. So going on, what they do when this happens, they want as soon as those stumps get healed, they want to get them into legs as soon as possible. And so the physical therapists and all the wound therapy and all those people, they got him into his legs. So Bob has been walking, and it starts really small, and then they add on the lengths and things. So he is walking with these legs. And about two and a half weeks ago,

he's walking, by the way, with a walker and has to hold on really hard. And it's a workout. He sweats just a couple of lengths. Well, he started for the first time losing hope because he realized with these legs that he can't even go up a ramp or go over a step. And for the first time, he just was like, I'm kind of getting into a dark place. Why do I even bother? So the physical therapist saw it, and they said, Bob, come in and try these upgraded legs. Just try them. And Dave, he was on, you know, they have parallel bars where they're practicing. And on the old legs, he was holding on really tight. On these new upgraded legs, Bob could walk first time just barely holding on. Oh, my gosh.

Game changer. Game changer. Wow. Problem is, insurance didn't cover it. And they are very expensive. So they just kind of, Bob and his wife, Barb, just kind of said, okay, I guess we just have to wait. We'll just have to wait until we can do this. What is very expensive?

Close to $100,000. Whoa! In the 80s, yeah. Okay. Yeah. And so a few days later, they find out that someone wants to, an anonymous giver, wants to buy Bob the legs. Yay!

And they said, hey, if possible, if they can make it to where it's a tax deductible thing, that'd be great. If not, don't worry about it. We want you to walk, and so Bob, being who Bob is, didn't just say, okay, just give them to me. Bob went and researched, and he found a foundation down in Florida called 50 Legs. 50 Legs was started by a gentleman who was an amputee about 10 years ago. And he came up with this idea and he said, I want to try and raise enough money to get 50 legs in 50 days.

10 years later, they have helped people, amputees, over 560 get into legs. Wow. Yeah. So Bob applied and said, hey, maybe they can help us out. So that day after he applied that afternoon, they called him and said, we can help you. And Bob, not only can we help you, but we're going to get, pay for all your travel expenses for you and your wife, um, to come down to Florida to, um, pay for hotel to come down to Florida to pay for hotel, to come in with physical therapy for two weeks,

and also we're going to cut the price of these in more than half. Oh. So in January, Bob is going to be going down to Florida. One year after the accident. And he's going to be in a couple weeks walking out of there with a cane. By the generous giving of so many people in this story. It takes a community, doesn't it?

I mean, it's just amazing. That's powerful. Incredibly excited for him. Wow. And I think it's you reap what you sow. Bob never said in the whole process, why me? Until people would start giving him things. And he'd say, you know, like the GoFundMe, why me?

I'd say, Bob, because you love people so well. They want to love you back. And it's just another example. Yeah, that's powerful. Yeah, it was really good. Wow, that's good. That's good. It's amazing how something that, like prosthetic legs, how do you say it?

I can't even say it. That you know nothing about. When it gets close to you, all of a sudden you get the whole vernacular and you start talking about legs. Yes. Like, who talks about legs, you know? Yes. Because it's a situation that's close to you, you just develop the language and you get comfortable talking about awkward things really fast. Yeah.

You do. But very, very neat. Very neat. Powerful. It's fine neat powerful very powerful i love it that's that's a good use of money he's a good man yeah so life's changed amen wonderful amen thank you kate merry christmas to you as well well done well done well done wow i gotta tell you there's um the guy that started that ministry or that charity, you know, 50 legs in 50 days, right? It came from his loss, right?

So it's not unusual at all that the trauma, the problem, the thing that was happening to you when someone stepped in with generosity becomes the thing that um that you are generous with you're always going to be sensitive i mean if you're a single mom you had trouble paying your bills you're always going to be sensitive to and have a tendency towards giving to single moms who couldn't pay their bills uh whatever your situation is whatever was going, you know, at that time, that can turn and become your thing, become your assignment, so to speak. And it doesn't have to be a full-time assignment. It's just that you have an eye for it because you've been there. You understand how it feels.

And it changes the direction of everything involved. So very well done. So very well done. So very well done. I love that story. This is the annual giving show where we talk about generosity. The entire show to inspire you not only at Christmas to be generous, but just generosity in general, boys and girls. It's a financial principle to develop that in your character.

This is The Ramsey Show. Thank you. Our scripture today, Isaiah 9-6, For unto us a child is born. To us a son is given, and the government shall be upon his shoulder, and his name shall be called Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace. Bob Hope said, When we recall Christmas past,

we usually find that the simplest things, not the great occasions, give off the greatest glow of happiness. Well, that's definitely true. This show today is all about giving and all about generosity. And as those of us that are Christians, we understand that God gave his only begotten son, that we might have everlasting life, and that's what the season is about, the arrival of the Messiah. And it's not a joke, and it's not mythology. It is the day and the person that changed the course of history more than any other single arrival.

So when we talk about giving, when God gave his only begotten son, that you might have everlasting life. Oh, there's an important giving lesson. Open phones at 888-825-5225 as we ask you about your giving and your receiving stories as we are inspiring people across America to be more generous. Nash is with us. Nash is in San Diego. Hi, Nash. Merry Christmas. Hey, Dave.

Merry Christmas to you, too. Tell me your giving story. Yeah, so actually I was on the receiving end um long story short I had $75,000 worth of student loan debt and um ended up starting on the baby steps about 20 months ago wow and as I was kind of working two jobs, I'm a teacher and I, uh, stoke, uh, stock, uh, shelves at a grocery store here. And, um, I still go to church regularly and still was giving tithes, but I was talking to some people and they're asking, Hey, do you want to go out or do you want to do certain things? I was like, no, I can't. I have my other job. I'm trying to pay off my student loans, you know, and I just really got behind your principles. And there was this couple who overheard my story and my situation. And, um, one day they pulled me aside and they said, Hey, we stumbled, not stumbled, but we were

given 20 grand because I guess they were, um, the trustees of someone else's trust. And I guess under that will, they were supposed to give money to charity. And they felt that my situation and my story was, was charity enough. And they're like, we'd really want to help you out and give you 20 grand to go towards your student loans. And when I still get chills, just thinking about it and my jaw dropped and I was like, no, you don't have to do that. You don't have to do it. Like I'm learning, like, this is the transformation that I'm learning to be, you know, a good steward of God's money. They're like, no, you don't have to do that. You don't have to do it. Like I'm learning, like, this is the transformation that I'm learning to be, you know, a good steward of God's money. They're like, no, like we really want to bless you. Like we can't do anything

with it. We want to help you out. And so, um, a couple of months went by, I guess, for all the paperwork and all that stuff to, to, to transpire. I get a text saying, um, Hey Nash, we put in 20 grand to your student loans. Take care. And I went and checked my account, and it was there, and I was just like, oh, my gosh, this just jump-started me into baby step three. And to this day, I just can't believe that that happened. Amazing.

Wow. And so that was really close to your balance, your outstanding balance. Yeah, so I had $26,000 left, and I kept playing with the numbers. But, yeah, that $20,000 wiped it out, and then I had $6,000 left. And then within two months, I was able to be completely debt-free. And it just, the weight lifted off my shoulders of being debt-free, but also having that gift meant so much to me because it was just kind of like God saying, you know, Nash, I see what you're doing. Keep doing what you're doing.

I'm going to bless you. I'm going to take care of you. And that was just, you know, his hand over me. Yeah, when you're faithful in the little things, you'll be given more to manage. Yes. And it's kind of like, as you said, like that was very much a miracle for me because I knew these people, but they didn't really know me, you know, and for them to just kind of take a leap of faith and believe in me enough to gift me that, I'm just incredibly grateful for it. Wow. Wow. Way to go. That's cool. Very cool. So what's your degree in?

So I got my degree in kinesiology. I'm a middle school PE teacher. Yeah. Yeah. Well, you'll be in a position to do this for somebody someday. Oh, yes. I can't wait to, even now I'm starting to look forward and I see someone, you know, when I'm stocking shelves, I see someone, I'm like, man, I can't wait to get out of baby step three. So then I can give someone just, you know, $50 for groceries, you know, and just make an impact because, you know, we, we all need someone to kind of help reassure us that, you know, we're still loved. We're, we're, we're not damaged, you know, God all need someone to kind of help reassure us that, you know, we're still loved. We're not damaged.

You know, God still loves us. Amen. Beautiful. Well done, sir. Well done. Well, Merry Christmas, and thank you for sharing that incredible giving story. Rebecca in Wichita, Kansas. Merry Christmas, Rebecca. Hi.

Merry Christmas. How are you? Better than I deserve. Tell me your giving story. Great. Okay, yes. I am on the receiving end, and excuse me, I'm kind of nervous about this. But long story, sort of short, I worked with and met an elderly gentleman about 10 years ago, and we worked weekly together. And he was, on his appearance, when you looked at him, he wore very, like, shabby clothes. He drove an old beat-up truck. I'm pretty sure he lived in, like, a house with

no central heat and air, and maybe, I think he might have had running water. I think he lived off a well, actually. So he lived very, very frugally. And there had always been a rumor that he was wealthy. He was a bachelor, never had any kids. But always, you could tell, was always very giving to people when he would meet them. And he would always, every once in a while, would slip me a little cash, you know, like for Christmas or for my birthday. Always made me feel like he was thinking about me. And, um, he passed away, um, a couple months ago and, um, at his funeral, um, a few of us were given business cards to a, um, a financial service.

So, um, I called the number on the card and, um, like I said, long story short, um, in 2016, he had gone and deposited money into mutual funds for several different people, um, close people, family, friends, and these mutual funds, um, since 2016 have tripled and, um, one of them is in my name. Um, so yeah, I am, I was, when I talked to the financial lady and she told me what it was worth, I, I let out a few explicit explicatives that I wasn't even sure she was, um, I wouldn't, would have been very impressed with, but she laughed and said that she had got the same, she had the same reaction from several people. Um, cause I was in my mind, I was expecting like a couple hundred dollars. I didn't know what this was. How much was it?

This, well, right now they're worth in the range of about twelve thousand dollars they've tripled in value so this old man this old man in b in the middle of nowhere kansas that has lived on nothing his whole life knows enough about uh finances and funds and stocks that he did this for people. And I'm not the only one. There's no telling how much of that went on. Exactly. And how much is in some of those accounts.

Oh, my goodness. I know. And what he left to his leave his legacy, his name, his good fortune. Amen. Fabulous story, Rebecca. Well done. Touchdown. I love it.

Merry Christmas to you. That's great. That's how it's done. All right, if you're listening, you have an assignment. assignment no you don't have to open a mutual fund give somebody ten thousand dollars your assignment is to decide as of this moment define yourself one of your character qualities starting right now is you are a generous person it's a decision it doesn't require you give money a generous person smiles they hold the door for somebody when they got groceries

they serve they're compassionate they're highly attractive oh and they give money and that's you starting now ready set go that puts us out of the Ramsey Show and the books, we'll be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's to walk daily with the Prince of Peace, Christ Jesus Hey, it's Kelly, associate producer and phone screener for the Ramsey Show if you would like to do your debt-free scream live on the show, make sure you visit theramseyshow.com and register. We would love for you to come to Nashville and tell Dave your story.