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

Episode Date: December 20, 2019

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where dad is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. This is the annual giving show on The Dave Ramsey Show. In honor of Christmas, God gave his only son, sent the babe to a manger, wrapped him in swaddling clothes, born of the Virgin Mary.

We celebrate generosity. It's why we do what we do around here. We teach you to get out of debt so that you can change your family tree so that you can retire with dignity so that you can live a life of outrageous generosity which is where you'll have the most fun with money by the way so we're taking your calls this hour all about generosity, your generosity story, the time that you were able to give or the time that you received. Had some great calls in the first couple of hours of this show.

We always do this the last live broadcast before Christmas, and that's what today is. So thank you for joining us. Shirley is in Connecticut. Hi, Shirley. Tell us your giving story. Hi. A few years ago, I had a hysterectomy, and I was out of work for about eight weeks. My daughters were around seven and nine at the time and going to a Christian school. I was a single mom, so of course I worried about the financial impact of being out of work. Sure. My second week home after the surgery, I went down to the school to pay the monthly tuition.

It turned out that someone had paid my daughter's tuition for that entire year. Oh, my gosh. Also, for the next four years, I received cash gifts every December in my mailbox from an unknown person. Fast forward several years later, God has really blessed me financially, and I was able to take a single mother with her two girls on vacation with us and also help pay for her daughter's tuition. I bet you did. Because you know how it feels, right? Oh, yes. Yes, I do.

So when you walk down there, you're still recovering from surgery, and you walk into that principal's office, that administrator's office, kind of holding your breath because you didn't have any money, but you were going to give them that last few dollars to keep the kids in that school. Yes. And then you find out that someone's paid for the entire year. How did that feel? Well, at first I only thought it was for one month.

So it was the following month when I went back to pay, and I was told it was for the entire year, and I couldn't believe it. Wow. Takes your breath away, doesn't it? Oh, yes. Yeah. And you spend the rest of your time now trying to figure out a way to take someone else's breath away, right? That's right.

I love it. Good job, Shirley. Good job. Well done. Rob is in Connecticut. Hey, Rob, tell us your giving story. Hey, Dave. Thanks for taking the call.

Not as inspiring as the previous stories, but I'll make it quick. I grew up poor and didn't know it. I was told early on that education is a path to freedom and wealth. First to graduate high school, then to college, and then to dental school. And with little or no money contributed to the family, we just didn't have the money. Scholarships and grants, you know, good old-fashioned hard work like you praise, got me through school. And growing up, too poor for dental care from a private dental office. My siblings and I were lucky enough to be seen in a local health clinic for the underprivileged. Not the best care, but we were very appreciative. After the completion of dental school, I embarked on a vision and created a tremendous dental practice from the ground up. 22 years later, we are a big bunch. We're serving almost 12,000 here in Connecticut. Wow. It's private practice, yeah, non-corporate private practice.

We're staffed at 23, I mean, a real small economy. This past summer, it just hit me. You know, I realized that I'm most happy when I'm surrounded by people who I love who are just happy and safe. And, you know, it's been a thing since childhood. I love to take care of people and serve people. And it just hit me. I said, you know, we've got to do this thing for patients in the practice. This past summer, I decided to create an annual occurrence.

It was the first free dentistry for the day. So my entire staff donated their services to the public. We did free cleanings and fillings, extractions, education. It was tremendous. It was an incredible day. Wow. On that day, it was tremendous. It was an incredible day. Wow. On that day, it was crazy. We were able to help 74 underserved individuals with respect

and in the while preserving their dignity. Every one of them, very appreciative. The most incredible thing I experienced was how the staff came together in a way that no team-building exercise, holiday party, event ever could have, which is incredible. It was, it was, it was, it was a day of giving, but it really truly was a day of receiving God's blessings on our, you know, our part as a team. It was a super cool feeling. And, you know,

as a result, we're just going to do it every year and everyone's game on. So the only, yeah, the only mistake we made is we really should advertise that more. I was hoping we'd have more people this year, but next year we're going in guns loaded, full blaze. We're going to have, I want to shoot for at least 100 to 150. So it was a tremendous experience. That's wonderful.

I really, I can't express the feeling of just joy of seeing people just really so just simple, happy, simple little thing for us makes such a big difference in someone else's life. So, and we plan on doing it every year. Amen. Good job. I love it, Rob. Love it. Everybody. There's so many different touch points in the whole story that moves things around. That's very, very good. You know, sometimes these stories that you hear are going to inspire you to do something. I remember one time I was at a leadership thing, and a guy told us that he gives his employees extra time off for ministry work. And I thought, well, there you go.

So we came home and started doing an extra week. So you get your normal PTO if you work at Ramsey, but after you've been here a year, you get another week off to do ministry work. So if you want to go on a missions trip or you want to, you know, serve somewhere in ministry. Now, at home petting your dog is not a ministry. This is not PTO. So it has to be serving along with, you along with an approved, real, actual ministry. But if you're doing that, that's cool.

And you know what we find is a lot of folks don't take, not enough people are taking advantage of it. And so my daughter Denise, who runs our family foundation, comes alongside our company and arranges work days, arranges days that our team can use their ministry time working in a local ministry here in the area. And sometimes it's our web guys going in and rebuilding their website. Sometimes it's going into the local food bank and packing boxes of food for families.

We actually had one this year that was a hog farm. They farm hogs, and the meat is given to the underprivileged. So our guys go down and work the hog farm for the day. Now, that was funny, I'm just saying. And then we gave an extra bunch of time this year right after Thanksgiving because we had the same thing happen that Rob had, and everybody went out and served somewhere for one day. Not all the same day, but, I mean, we had about 20 different things over 20 different days,

and the team building aspect of this is absolutely amazing. People work together serving outside their normal element of work. It brings them together. This is the Dave Ramsey Show. Support a small business this holiday season that does business right. I'm talking about Grip6 Belts. It's the only belt you can get online with no holes, no flap, and no bulk. And the buckles come in really cool designs and are interchangeable.

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I'm really proud of these guys, and i'm thrilled to recommend them to you go to grip6.com and search for the dave ramsey page to get 35 or more off grip6 products grip6.com Joshua is in Texas. Joshua, welcome to a generosity hour. Tell us your generosity story. Well, how are you doing today, Dave? I just wanted to thank you for taking my call, first of all. Around this time last year, it might have been it might be november when i called the first time that was the first time i ever called your show and uh i explained to you

kind of what was going on with me you gave me some advice and you actually sent me um a total money makeover and that kind of was the beginning of this year uh everything has been going pretty good. Me and my wife got really intense with paying off our debt, and we're almost clear. We're almost done. But me and my wife, we were actually just sitting in the living room the other day, and we were looking at each other in our house.

Now we have a house. Last year we were in an apartment. And we were just kind of looking at each other. And last year we couldn't even get any Christmas gifts for our daughter. And this year, I mean, there's more Christmas trees under that thing and she can even, she, yeah. So now we were just kind of looking at each other, just like, just in awe of how far we came this year. And, um, one of the other things that, that kind of just happened, uh, just recently last week, uh, me and my mentor were talking and he kind of called me up and wanted to invest

some money in my, I'm a truck driver. So he wanted to invest in, in possibly me getting my own truck. And I was super excited about it. And he called me and after we had written everything up and he called me and he said, well, Hey, I can't, I can't loan you the money anymore because I'm just going to give it to you. I'm just going to give you the money to buy your own truck. And I couldn't even, I had to hang, I hung up the phone on him.

I thought he was, I thought he was joking around. And he sent me a check for $15,000 to buy my own truck. Wow. And so, yeah, that's, that's how we're starting off. This is not transportation. This is a means to make a living. Yes, sir. This is a big rig.

It's a 24-foot box truck. But, yeah, it's what I do every day. It's going to change everything. Um, so it's, uh, that, that was, that's what happened to us. And just the other thing too, that I wanted to say, um, you gave me, you say it every day, every, every time I listen to you, you say it. And every time somebody asks you, how are you doing? You say better than I deserve. And I kind of just stole it. I took it and I started telling everybody that anytime somebody asked me that I started saying that to people and it just, it reminds every time you say it, sometimes you don't even feel like saying it, but every time you say it, you just get reminded of, yeah, you are doing better than you

deserve you could be like i said this time last year i couldn't even put christmas gifts under my tree so it's it's i just want to say thank you to him thank you to you and um anybody that's listening just just don't stop keep going amen it's possible i love it joshua well done sir thank you you did get it because that is the meaning of the answer to the question. It's a statement of grace. Sometimes people don't understand that, but I have survived an amazing amount of my own stupidity. And yet, in spite of that, God has blessed us to the point that we can't breathe. And, uh, it's amazing. And, um, and I deserve hell and I'm not getting

it because of Jesus. So there you go. I am better than I deserve. You got it, Joshua. You figured it out. I love it. Doug is with us in Missouri. Hey, Doug, Merry Christmas. Tell us your giving story. Merry Christmas, Dave. About 15 years ago, I was singing in a large choir, and the piano player was adopting a baby from a foreign country, her and her husband, and they were instructed to take a large amount of cash with them

to do this adoption. And when they got to the airport, they were targeted and had all the money stolen. And so they were unable to come home with their baby girl. Well, when she got back to town and we found out about this at the next rehearsal, and a friend and I just kind of decided we couldn't let that happen. And so after the rehearsal, we passed the hat, and the next rehearsal we gave her a money belt with, I believe it was $4,000 in cash. Wow.

And, yeah. that was enough to complete the adoption that was enough to to take care of the adoption wow so they were able to make that was the part that they were have to bring over in cash right right and they got in they got in safely the second time they uh they were wearing the belt in a very discreet place when they went through the airport. Thus the reason for a belt. Well done. Yeah, wow, I love it. I love it. That's one of the best possible things you can fund.

Very cool. Good job, Doug. I like that one. Well, if you're just joining us and you don't know what you've walked into, this is a special edition of the Dave Ramsey Show. It's our giving show. We always do this show, the last live broadcast before Christmas, and in this case, the last live broadcast of this year.

So we'll have lots of best ofs on, and we'll probably run this one again through the holidays. But the entire three hours is dedicated to giving stories, stories of generosity, stories of outrageous generosity, three hours full of it. And so you're going to want to go back and tune into the podcast and re-listen to this because there are some real tearjerkers in here. There's some real things that inspire you to be generous and to give. And that's the purpose of this it inspires good works when we share what you have done or what god has done through you or what someone did for you uh it inspires it gives people

ideas sometimes people you know i don't know about you i don't i'm not a very there's on some things i'm not very creative and i need somebody to give me an idea so i can steal it and go you go do what they did right and uh so doesn't have to be original, right? It's just got to be good. That's all. So what is your giving story? Rochelle is with us in Florida. Hi, Rochelle.

Hi. Thank you so much for taking my call. Merry Christmas. Merry Christmas. Tell us your giving story. Well, it's very, very basic and very simple. 27 years ago, I was in college, and I had moved to the college where my boyfriend was, which was a bad idea, and went through a horrible breakup.

And I went into a deep depression and not really understanding what was going on with my emotions. I had three roommates. We're all broke college students and they didn't know what to do with me. But my one roommate, Tiffany, just told me, I told her I was scared to be alone. I was in despair. I wanted to end my life. So she let me, night after night until I got better, she let me sleep on the floor in her room. And it wasn't money. It wasn't anything extravagant. But it was just her company so that I wouldn't be alone.

And I'll forever, ever be grateful for that. Sometimes just being present, you don't even have to say anything right nothing i just was scared to be alone i was scared i was going to hurt myself and she let me stay night after night that memory still fresh 27 years later yes i'm forever ever grateful it was the best gift anyone could give me, and that is just to be present. Yeah, the ministry of presence. So not with a T, with a C, presence. So very well done. Good.

Good. I was going through a Bible study in my late 20s and doing pastoral care stuff, and a guy taught us that, and I've never forgotten it, that you don't have to say something cliche. You don't have to have the right words to fix someone that's hurting, because usually you don't. You can't. But sometimes just being present, just being physically there, just saying with your presence, I care, changes everything. Everything. Soanges everything. Everything.

So, wow. Good call. It's a generosity theme hour. This is the Dave Ramsey Show. How often can you get the best of both worlds? Not very often, right? Well, with the Rate Secured program at Churchill Mortgage, it's possible. You can secure a low rate now to nail down your budget, and if rates drop while you're shopping for a home, they'll give you

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She's a Financial Peace University advisor, meaning she speaks with churches and coordinators all over America, helping classes get started in their community. Been doing that for about a year and a half. Hey, Lauren, Merry Christmas. Merry Christmas, Dave. How are you? Better than I deserve. Tell me your giving story. So this summer, the guys on our team got together.

They wanted to do something to serve the single ladies on the team. So they came up with the idea to wash our cars for all of us. So they came in on a Friday. They brought all the supplies in, and on their lunch, in a 100-degree summer day, they washed our cars for us in and out. They checked the tire pressure, the oils, everything, made sure we were all good to go. And they also had us pick a number between 1 and 100, and the closest also won a free tank of gas, and I was the winner.

Oh, all right. You got a clean car, got the oil checked, the tires checked, and a tank of gas. Yes. Courtesy of your coworkers. Yes. They just wanted to do something to lighten our load. That is neat. Yeah.

Very neat. Very cool. And it does get hot here in the summer. It does. So they were out there sweating doing that. Yes, at their lunch. Yeah. What a good idea.

Very good. It's very thoughtful. Very cool. And I can imagine the ladies appreciated that. Oh, we did. They're such great Christ ambassadors, the people on our team. And it was just a reminder, you are loved and you are not forgotten. Yeah.

Amen. Amen. And people here watching over you. Yes. Walking with you, watching and you are not forgotten yeah amen amen and people here watching over you yeah walking with you watching over you however you want to say it right yeah good stuff good stuff that's family yes oh they are very well done good well thank you for sharing that yes thank you for having me very neat all right good stuff hey that's that can be all it takes right there you You just think of something and bring your bucket to work. That's all you've got to do with a sponge.

You know, you've just got to think of something, right? It doesn't have to be like rocket science. It doesn't have to be some highly sophisticated thing. It can just be doing something for someone. Just, you know, like we would say in the South, a tip of the hat. We just tip our hat to you. And that's what they were doing very well done i love it very good all right kathy is with us kathy's in ohio hi kathy uh welcome to the dave ramsey show tell us your giving story hey dave um thank you so much for taking my call um this is a recipient story. My family,

my husband and I, 10 years ago today, lost our infant son to a chromosomal anomaly. He would be 10 today, but the Lord has blessed us with that loss. He gave us a great church to walk through that with us, and we received so much support from our friends and so many people in our family. But he also blessed us with some help with his burial expenses and a headstone from people who just gave during that time. Also, during that time, one of our cars needed replaced. And in January of that next year, I came home from church. My husband was still there working on the service team. And I came home from church, and there was a van parked in our driveway.

The people who gave it to us demanded that they stay anonymous, but we were so excited to be able to share just the gift of that, too. And so, yeah, that was our giving story. I've been listening to your stories today, and we are huge fans of Dave, and we are huge fans, and we're on our own journey. We're debt-free except for our house, but hopefully one day we will be able to bless people like these stories that you shared today. Well, and like you received, because that's one of the most painful things that anyone can possibly go through, is losing a child.

And to have people love you in tangible ways during that time and pick up the cost of the funeral, pick up the cost of that, pick up the cost of this and just, just, um, um, you know, that it matters so much. And as you said, it's 10 years ago. And, uh, in so many ways, it feels like it was just 10 minutes ago. Wow. Hey, thanks for calling in. Open phones at 888-825-5225. It is a giving theme hour on The Dave Ramsey Show. Lane is in Washington. Hi, Lane.

Tell us your giving story. Hi, Dave. I have an amazing Christmas story to share with you. My husband and I were dealing with infertility and were met an amazing two-year-old and four-year-old in December of 2010. And over the next couple years, we wanted to be really intentional because we felt like we have lost out on memory making. They have lost out on memory making by having a rough start because we adopted them from foster care. And so we really wanted to be intentional with our memory making and especially at Christmas time. And so I made sure that I had all my Christmas shopping done and wrapped before December 1st so that the whole month of December, there could be a tree with lots of presents around it, and they could see their names on it and really feel the magic of Christmas.

And we were at a Christmas party about 10 days before Christmas, and we came home, and someone had broken into our home and loaded up our Christmas gifts and our TV and taken them. And it really felt like the Grinch had stolen Christmas. And we didn't want our children to feel insecure or unstable or like they couldn't have everything we wanted. So we just pretended like everything was fine and we were going to go replace everything. But, you know, we're on a budget.

And by the time we went to the stores, everything was gone. We were paying three, four times the price. And so we were sitting in our living room, and we got a knock on our door. And there was a giant bag full of wrapped gifts with our kids' names on them and a box of cookies and an envelope with cash in it. And it just truly felt like Santa had come. That was the most amazing Christmas because we didn't know what was in the gifts. And as we opened them Christmas morning, it was amazing. And I have to tell you that that Christmas changed everything for me. I was pretty pessimistic when people would be like, oh, I need help for Christmas. I'm like, well, it's been December

every year. Can't you plan ahead? Like I'd be that person. And I feel like Heavenly Father needed me to feel that pain that year so that I would gain Christlike charity. And really now every year we find a family and whenever we, you know, doorbell ditch and leave a basket or a box, I'm right back in that place because I know how it feels as a mom to want to give your kids everything and to not be able to provide for them what you know magical christmas you wanted amen that's a breakthrough that's really cool yeah the uh a friend of mine says i don't trust people that don't walk with a limp and now that now that you've had that uh now that you've had that experience you never view it again the same yeah that's awesome that is so powerful i'm so glad your christmas gifts got stolen i'm kidding no i'm not i mean i'm so

glad they got stolen so that uh this whole story could unfold because if you just put them all under the tree and then'd have opened them, that would have been nice, but it would have been boring. This is much better. This is just much better. Way to go, God. Way to go, Santa Claus. Way to go, Santa Claus and God's people who showed up on the doorstep. These are my kind of folk right here.

This is the Dave Ramsey Show. In a season of giving, what better gift can you give someone in the coming year than a new job? Business leaders, if you're looking to add to your team in 2020, get started now with LinkedIn Jobs. At Ramsey Solutions, we post on LinkedIn Jobs because we know the right person will have an impact on our company for years to come. And LinkedIn Jobs matches the right person with the right job. It's no wonder a hire is made every eight seconds on LinkedIn. And over 600 million members visit LinkedIn to make connections, learn and grow as professionals, and discover new job opportunities. So find the right person for your team and give the gift of a rewarding new career.

Get started today and get $50 off your first job post. Visit linkedin.com slash Ramsey. That's linkedin.com slash Ramsey. Terms and conditions apply. Our scripture of the day, Acts 20 and 35. In all things I have shown you that by working hard in this way, we must help the weak and remember the words of the Lord Jesus, how he himself said, it is more blessed to give than to receive. Eleanor Roosevelt said, since you get more joy out give than to receive. Eleanor Roosevelt said,

Since you get more joy out of giving to others, you should put a good deal of the thought into the happiness that you are able to give. Yeah, there you go. It's a giving theme hour here on the Dave Ramsey Show. We teach you to get out of debt so that you can build wealth, so that you can retire with dignity, so that you can be outrageously generous, so that you can be the happiest you can possibly be

because generous people are happier people than selfish people. They're kinder people than selfish people. They're kinder people than selfish people. Generous people are highly attractive. They're the kind of people you want to be. They're the kind of people you want to hang around with. They're the kind of people you want to promote. They're the kind of people you want representing your business. They're the kind of people you want marrying your daughter. You just really, it's hard to find something bad to say about generous people.

You know, maybe we ought to wag more and bark less, huh? Maybe that's what this season's about, reminding us of that. And certainly we're reminded by God sending his only begotten son. There's some generosity. And that's what this whole season's all about. So where are we going from here guys yeah put yourself in a position that not only can you have the intent and the heart to be generous but you actually have the freaking money put yourself in a position that did you

know if you give a single mom a thousand dollar car000 car and she didn't have a car, it changes her life? Did you know if you do that 10 times, it changes 10 of them's lives? It's only 10 grand. It's only 10 grand. That's 10 people completely transformed. I mean, you ever been there? I've been there. I've been there. I've been so broke I couldn't pay attention, guys.

I've been terrified because my utilities were cut off. I didn't know what to do. These people are all around us. You just got to keep your ears and your eyes open and your mind still enough that God can speak to you and say, over there, you need to go do that one. You need to take care of that one. You put tires on that car. That one needs a tank of gas.

That one needs their light bill paid through the end of next year. It's just, it's really not a lot of money. It's just a matter of paying attention. And, you know, the only way you can actually get to where you can pay attention is you get your act together. So you don't not sit and worry about yourself. Hard to be generous when you're worried about your own light bill. That's why we teach the stuff we teach here. To want you to have a fully developed, abundant life. Annalise is with us with a giving story from South Carolina.

Hi, Annalise. Merry Christmas. Merry Christmas, Mr. Ramsey. I'm super alone, and very overwhelmed both financially and just very hopeless. My faith in Jesus and his never-ending love for even when we're feeling our absolute worst really kept me and gave me the peace I needed to begin to find a way to make a way for my son and I. I could share story after story of God's faithfulness and how he supplied everything just time after time. But honestly, this story is something about how he used his people. And so one story that I want to share is we have family friends of ours who, upon me announcing my pregnancy, wanted to find a gift. And they wanted it to be something that would mean a lot and would do a lot.

And so actually her husband asked her, hey, you were raised by a single mom, and now you are a mom. Like what would be something that you would just be so scared of every month to pay for? And she said diapers. Absolutely. They're a never-ending thing. And he said, well, let's do it. So from the day I brought my son home from the hospital to the day he was finally potty trained at three years old,

I received one to two boxes of diapers a month on my doorstep from Amazon. Wow. So I have to this day, well now especially, but to that day I had never paid for um a diaper um and it was just unbelievable I had I remember when she the first box was delivered I was like who is this and then the next box was delivered and I just I called her and I just you know was sobbing thinking you know this was something that was scary I remember when you're researching like how much it is to raise a child and diapers is the number one thing. It's just, so to not have that fear of, you know, finding diapers, and it was just a huge thing.

And just to know that somebody cared about me and my son that much to do that was, it's just, it gives me goosebumps and gets me all teary-eyed, so. And, you know, that's cool. And, you know, I guess I'm being silly, but what occurs to me is you can even automate that, right? I mean, you just jump on Amazon Prime and set it up as a schedule, and you don't have to think about it again. And 12 months later, you're still getting diapers,

and the person did it and never even thought about it again. Yep. Because, I mean, it may be hitting their – I guess it's hitting their card every month. Well, also, though, she was – also, they were so, I mean, just may be hitting their, I guess it's hitting their card every month. Well, also, though, she was also, they were so, I mean, just intentional about it. I mean, she would text me maybe in, like, the middle of the month and be like, hey, are you running short? Like, do you need extra? Was he, you know, sick this month?

Or did you change diaper sizes? You know, just, like, she was so intentional about it. And, you know, one month he did change diaper size in the middle of the month, and I didn't have the next. And I said, it's okay, like, I'll go buy a thing of diapers to get me through. And she's like, absolutely not. There's some coming to you right now. Wow.

And he just would not let me buy diapers. That is so cool. Yeah, it was definitely something that I can't wait to, you know, share it with my son and, you know, that there were people. And like I said, there's story after story of god's people and his faithfulness through my through our story but that's just one so amazing so how old is your son now he is three and a half all right very cool well great story thank you for sharing all that annalise and merry christmas to you very very well done very well done all right

neil is next in Washington. Neil, a little short on time. Go straight to it. Let's hear your giving story. New neighborhood. People moved in across the street, have an 18-year-old autistic son. He'd stand out in front of the house cheering his little sisters on, riding their bikes, but he couldn't ride one. So I made it my mission to go figure out what i needed

to do and we went and bought him a recumbent bike not knowing it was his birthday that week and brought him home a recumbent three-wheel bicycle that uh that was about noontime at six o'clock that night mom was out chasing him down the street trying to get them to come in and eat dinner that is fun every birthday right i love it and not only that but for christmas my christmas present to the family across the street was we're going to the monster jam he loves monster trucks carries the schedule around with him and we bought the whole family tickets and we're right down front we're going to be covered in dirt when we come out of the stadium i love it i love it well done well obviously god gave you a heart for this guy that's pretty amazing well done sir very very well done well that's how you do it, folks. You get yourself into a position where you don't have to think about yourself all the time.

What an amazing place to be. Generosity is not an act. It's a character quality like integrity or work ethic. These are character qualities. The act comes from the character quality. The character quality is a decision. Our reason for doing this three hours is to help you decide that this is how you want to live your life. That puts us out of the Dave Ramsey Show and the books.

Merry Christmas. 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. This is James Childs, producer of The Dave Ramsey Show. Did you know you can now listen to The Dave Ramsey Show on Pandora and Spotify? For all the ways to watch and listen, check out our show page at DaveRamsey.com slash show.