The Ramsey Show - App - The Correlation Between the Enneagram and Money Habits (Hour 1)

Episode Date: July 27, 2020

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Music Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave 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. You jump in, we'll talk about your life and your money. Open phones at 888-825-5225. That's 888-825-5225. Stay tuned at the bottom of the hour. My friend Ian Cron is coming on. We're going to talk about his specialty for a couple

of segments and how it actually applies to money. He is the Enneagram guy. I wrote the book, The Road Back to You, that I think everyone I know has now read just about, and it's pretty crazy. It's a huge bestseller, and the Enneagram is quite the discussion around the dinner table these days and has been for a couple of years. A lot of folks talking about it. It's kind of fun, and I always like looking at things that cause me to know myself better and be able to understand other people better because humans are just weird and grasping what's weird about each one of us is very cool

like the first time my wife read one of those disc tests about gosh that's 20 years ago plus and she's like i said, this thing really nailed me. I mean, this is like they read my mail. This is so cool. It totally describes me. And she's reading through it and reading through it. And then she goes, yeah, that's exactly what's wrong with you. I'm like, that's not what's wrong with me.

That is me. Well, that's also what's wrong with me. So anyway, we're going to start that at the bottom of the hour, not the disc, the Enneagram with Ian Cron. I'm looking forward to having him. He's a great friend and spoke for us a couple weeks that at the bottom of the hour, not the disc, the Enneagram with Ian Cron. And looking forward to having him. He's a great friend and spoke for us a couple weeks ago at the Entree Leadership Summit and is just a great guy. Open phones at 888-825-5225. Lincoln, Nebraska.

Dylan is up. Hi, Dylan. What's up? Hi. I am so excited to talk to you. You too. What's up? How can we help?

I am calling because I'm currently in baby step two with my husband. And we originally started at $25,000 and we're down to about $16,000. Good. And my parents are going through a really bad divorce. And my 16-year-old little brother would like to move in with me and my husband. Um, we were kind of at odds about it because I want to let him move in. Um, but my husband wants to just stay, gets so intense and he's concerned it will be too much of an added expense if we let him move in

are you do you live near where he lives now no they live about uh 45 minutes away from us so i guess not too bad but so i guess he would stay in his same school and commute he has a car uh, he would transfer to school here in my town. He lives in Oahu. It's about 45 minutes from here. And what is the financial condition of your parents? Very poor. They've filed bankruptcy, and they are still, even after the bankruptcy, about $25,000 in debt.

What's your household income? $65,000. What costs are associated with bringing him in? Food? Food. We would have to help him get a car because he doesn't have one. And with daycare with my son, it would conflict with school scheduling. Bus doesn't run in front of your house?

What did you say? I'm sorry. Does a bus not run for the school in front of your house? No, it does not. But he could walk for a while. It would just be hard in winter and be really cold how far away is it about a mile and a half that's not bad it's a nice little hike uphill both ways in the snow right um he could tell his grandkids about it someday uh

it sounds like things are pretty miserable for him. I want to help him. Yeah, me too. Um, so is he miserable enough to, uh, take on some other forms of misery in order to get out of there? Like for instance, when he moves in with you, he starts, he starts a job he saves up right quick and gets him a $1,000 car, and he pays for it. Yeah, he said he would be willing to work. I'm just concerned it would affect his grades. I'm concerned that he's living in a cesspool and he needs to get out.

I'm not concerned about his grades. Yes, that's a good point. He needs to work. If I'm your husband and you came to me and said, look, he'll take a job and he'll work this many hours and make this much money, he'll pay us $50 a month for food, and he'll save up everything else and be on a budget the way we teach him in order to save up and pay cash for a little $1,000 car that we're going to help him get we could be saving his life please let's do this for my brother i think that's a reasonable thing but if your little brother wants to move in there and sit on the couch and eat doritos all afternoon and suck and play video games and sit on his butt

and then gripe because he hadn't got a car that you gave him that he's entitled to because he breathes air this is a different animal you following me yes so i'm just if he is as desperate to get out of that mess as it sounds like he is then he's desperate enough to do some crap when he hits the road over at your house and gets to get his life straightened out i'm sorry for him it's a tough road he's in such a situation he's in his parents are both completely unplugged um they basically emotionally have abandoned him financially have abandoned him and he's 16 years old that's tough i'm sorry that's heartbreaking but if i'm your husband your husband he doesn't want to take a project on yeah he wants to bring in bring in someone that he can be a blessing to if i'm your husband anyway that's what i would be sitting on and so i think you can lay out some

guidelines and and then talk to your little brother and say these are our conditions if you will meet those you're welcome and of course when you live under my roof you live by my rules too okay which means you're not coming home drunk at 16 years old you're not doing dope at 16 years old you're not doing you know just fill in the blank right on sunday we go to church so this is what we do at our house okay if you live in my house you do what we do at my house you don't live there it's okay you don't like that that's okay live somewhere else but when you're under my roof this is how it works right that's kind of old school isn't it have him open like should we just have him a basic savings account for the car

yeah just help him i don't care if he puts it in a fruit jar i just want him to work i just want him to work like 60 hours a week and go get him a thousand dollars right quick okay sounds good just bust i mean i just want him bust his butt man i want he's got a lot of emotion he can burn off a bunch of it working yeah i agree i think that he's definitely willing to do what it takes i think it's more i just had reservations about forcing him to work so much i don't i don't have any reservations about it at all it'd be the best thing ever happened to him okay he won't die from it when you're working really really hard right before you die you I don't have any reservations about it at all. It'll be the best thing that ever happened to him. Okay.

He won't die from it. When you're working really, really hard, right before you die, you pass out. So you don't have to worry about work killing you. It won't kill you. So it's okay. You're going to be all right. It's going to be the best thing that ever happened to him. You're giving him a safe, emotional environment to live in. Someone that loves him and actually cares about his well-being.

You're a good person. You're a good sister. Well done. Now, just put some guidelines on it so your husband feels like he's participating in a process that's helpful and not enabling a bunch of crap. This is The Dave Ramsey Show. For over 20 years, I've recommended Zander Insurance and their term life programs. I'm still amazed at how many families have no life insurance or not enough and would be financially devastated if a spouse or parent died. It's inexcusable since the cost of term life is just plain cheap. And Zander really has figured out a way to make it simple and straightforward. They only sell the plans I recommend and their system is built to your needs.

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Congratulations. Thank you. Well done. How much have you paid off? $104,438.88. Very good. And how long did this take you? Took us about 26 months.

Good. And your range of income during that time? It was from about, I would say, $95,000 to about $105,000 at the peak. What do you all do for a living? I'm a high school English teacher. And I'm a geologist. Very cool. Good for you guys. So what kind of debt was the $104,000? It was all of my student loans your student loans yes sir so she married into a mess she did you're a mess not anymore not anymore you're cleaned up mess now brother i'm proud of you guys wow a hundred and four thousand dollars in student loans

and you did this in 26 months making a hundred thousand so you've been on beans and rice or you had something to sell yes sir we just kept living like college kids basically that's a great line yeah because when you're in college if you don't live like college kids when you get out you get to to get at the student loans gone so good wow so you've been on beans and rice for two years how How long have you been out of school? We've been out of school for about three years now. Okay. So after the first year of marriage or first year of being out of school,

you looked up and said, we've got to attack this. Tell me the story. Well, Ryan was going to try to go to grad school when he graduated, but that didn't work out because he didn't get funding. And so we decided to move back closer to home, find some jobs. Ryan had a job that he really didn't like, but it paid the money. And so we just lived like college kids. My parents really supported us, and we got it done.

And now Ryan's getting his Ph.D. at Texas A&M. Wow. Way to go, Ryan. Very very cool so how's that being funded it is fully funded through the school so he does ta work and gets paid that way and gets his classes and it's all fully funded no debt so a great way to get a free education is go to work for the university and they many times will give you free tuition right yes sir no doubt love it well done well done better plan better plan i like it how's it feel to be rid of a hundred and four thousand dollars worth of freaking navient it feels great i kind of wish i could go to the bank and get them to let me hold the money in my hands just to feel the weight of it because it's all been numbers in numbers out but it definitely feels like a lot of freedom yeah it's

no there's no monster in the closet at your house you got him out and shot him yes sir well done well done so now that you've done it you're successful you're what 26 years old um i'm 24 and i'm 25 okay and you paid off 104 000 in 26 months you're not a victim of the student loan crisis you took control of your life you're a victor not a victim what's the secret a whole generation is wanting to know how you did what you did um using a budget is definitely number one, just keeping track. I really don't know how other people exist without a budget now that I've done it. And for us being married, just being each other's supporters and communicating really well and often. And sometimes having to work a job that you may not like. You pay a price to win huh yes sir what was the thing you guys gave up in your

lifestyle that all your friends were doing or buying that you couldn't do because you were getting out of debt that that kind of was ouch like that one hurt well um i drove a 2003 vehicle and ryan drove a 2006 vehicle. Those broke down often, and we just, you know, cash flowed them, paid it off. We did not buy a house right away. We actually lived in a very small, very cheap apartment, and we didn't do hardly any traveling. We just stayed at home, found cheap or free ways to enjoy our time together, and just live like college kids, really.

What was the 2003 hoopty you were driving? What was it? It was an Escape. That's a piece of crap. Telling me. Lots of money went into that thing. That's an awful car. 2003, too. Oh, my.

Yeah, you need to take a picture of that to be able to show your grandkids. Yes. Well, my students, who are about 15 years old, you know, this year my car was older than they were, which was funny. Yeah, that's great. Yeah. Well, I mean, you know, you drove an Escape, so now you Escape debt. Ba-da-boom-tsh. Right?

But you have to remember that, because I drove an old piece of crap Cadillac that the predominant color on it was Bondo. And it had four hundred seventy eight thousand actual miles on it. After having driven a Jaguar, I went down to this piece of garbage that a friend blessed me with in air quotes. But it got me out of debt. I mean, it got me on the track, got me on the path where I wasn't being eat alive by cars. And that's what you did. You drove like no one else. Later, you're going to get to drive like no one else because you guys are going to be millionaires.

I'm so proud of y'all. Who were your biggest cheerleaders? I would say my parents, for sure. My mom was a financial peace coordinator during my teenage years at our church that my dad was the pastor at. Ah, so you're a financial peace baby. Okay. Yes, yes. They paid off their debt when I was in about the ninth grade, and my dad started seminary before I was born, and so they had just paid off his seminary when I was in the ninth grade. But I got to see the big transformation that happened in our lifestyle because of that. Yeah, and then when Ryan, you know, walks up and says,

by the way, I come with a $104,000 ticket, you said, I know what to do with that. Yes, well, we kind of knew what was going to happen with that, because we've been dating since I was 15, and he was 17, so I was like, okay was like okay well we're just gonna have to attack it I love it that's so cool that's so cool well your whole family's DNA was changed way back there and then you're the extension of that very well done I know your parents are proud of you we're proud of you here at Ramsey way to go we got a copy of Chris Hogan's book for you everyday millionaires because that's what's next you're going to be one of those before you know it, making serious money. Now with a Ph.D. being paid for, you've got this thing dialed in.

Really well done. All right, Ryan and Rebecca, Houston, Texas, $104,000 paid off in 26 months, making $95,000 to $105,000. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free!

Yeah! Applause Laughter Well done, you guys. Very, very, very well done. Absolutely amazing. Man, that's just great.

That is very cool. Kathy is in Provo, Utah. Hi, Kathy. Welcome to the Dave Ramsey Show. Hi, Dave. How are you? Better than I deserve. What's up?

So I have a little bit of a complicated situation that I need to ask you about. So I'm a liver transplant patient. I had a liver transplant when I was 11 years old. And I live by myself, well, with roommates. And my family situation is a mess. My parents are a disaster. And my dad is very adamant that I am taking care of myself, which I have been, I've been working and I basically take, I pay all the bills and everything. Um, but the one thing that I struggle with is, um, he, uh, likes to hold the fact that I'm still on his health

insurance over my head all the time. And I'm just trying to figure out if I can pry, like, what my options are with that. How old are you? I'm 20. Okay, so nine years ago you had a liver transplant. Yes. Okay. All right. And what do you make?

What's your household income? So I haven't actually been working quite a bit because of the COVID, and last year I had a lot of issues with my house. I wasn't really working that much. Related to the liver? Yeah. That's going to make it very hard for you to get insurance, kiddo. So you're probably on his insurance for a while.

And it's a toxic situation. No pun intended. I'm sorry. If you want to check with one of our endorsed local providers and begin to get some pricing, but I think you're going to struggle to land health insurance unless it's through an employer. If you landed a job with an employer that health insurance furnished, that might be it. Well, my friend and neighbor, Ian Cron, dropped by at my request to talk about his hugely best-selling book, The Road Back to You, an Enneagram journey to self-discovery. If you've not heard people talking about the Enneagram, probably because of this book,

lately, I don't know where you've been, because it seems like everybody's talking about it everywhere. Welcome in. Good to have you. It's great to be with you. Thanks, Dave. So let's do initiate the uninitiated. What is the Enneagram, and what isn't it? Because there's conspiracy theories out there about it, aren't there? Well, it's not the pentagram. That's the thing, yeah. That's the start we want to go with, right? So the Enneagram is a personality typing system that teaches there are nine basic personality styles in the world, one of which we gravitate toward in adopting childhood as a way to cope and feel safe in the world.

Very importantly, each of those types has a unconscious motivation that powerfully influences how that type habitually and predictably acts, thinks, and feels on a daily basis. And there's toxic versions and mature versions of each of the nine. None of the nine are right or wrong. That's right. Contrary to my wife's opinion, she thinks that she has the best one. Right. But she is the improver. number one yeah and uh i like that you gave me the terminology improver the other day when we were together at entre leadership it helped me because before it was perfectionist and uh their

love language is criticism right so she's always improving me right how's that working well 38 years now she's done a pretty good job i've come a long way that's good so talk about the types these nine types and uh what what are driving them sure so ones are called the improvers as you mentioned sharon is one their unconscious motivation is a need to perfect themselves others and the world twos are called the helpers. Their unconscious motivation is a need to be needed, loved, and appreciated by others. Threes are called the performers. Their unconscious motivation is a need to succeed, to appear successful, and to avoid failure at all costs. Fours are called the individualists.

They have a need to be special and unique in order to compensate for what they perceive as a lack in their essential makeup. Fives are called the investigators. They have a need to know everything, to collect information and knowledge, particularly around a niche subject, to fend off what feels like an overwhelming world to them. Sixes, the loyalists, they have a need to feel safe, secure, and supported. Sevens, the enthusiasts, the joy bombs of the Enneagram, they have a need unconsciously to avoid psychologically and emotionally distressing thoughts and feelings by projecting into a future full of fun possibility.

Eights. Do you know anything about eights, Dave? I don't know anything about eights. I am the consummate eight. When you read the book, it's like that chapter is my autobiography. So, eights, their unconscious motivation is a need to assert strength and control over the environment and others in order to mask feelings of vulnerability and weakness. That's me, yeah. The challenger, that's what it's called.

They're called the challenger, right. And nines are called the peacemakers. They have a need to avoid conflict, to maintain connection, and to preserve feelings of internal tranquility and peace, actually both internally and externally. So one of the things that got me about this when I first started hearing people talk about it and when I picked up the book and then it became a topic of Ramsey family at the lake house conversation on the back porch with Rachel, my seven going bananas and, and my wife, the improver, and so on. And, you know, we're starting to go, okay, that's what you are.

You know, I guess that's the first thing that happens when people discover this material. You try to do that. But one of the first things was you start to realize while you say, okay, that's who I am, there are toxic versions of each of these, meaning that they're their worst version of themselves. And then there are the more mature version that has done this. For instance, with the Challenger, I like a good argument. That's how I process information. I enjoy conflict.

Thus Talk Radio is just perfect for me. Yes. And so probably when it all started started i was more masking insecurities than it is now i'm not very insecure i'm pretty comfortable my own skin now but uh but the the idea that i would rather engage and argue about something to come up with the answer that we we both together wrestle it to the ground and excellence pops out you know yeah well for you is an eight conflict is connection yeah it's it's intimacy it is intimacy yeah yeah that's right so each of these kind of have a love language like that yes

a way of getting at it the improver wants to improve you they're really trying to help yes they're really not being critical unless they're unhealthy and then their criticism bombs uh it comes off as shame and judgmentalism oh eye roll yeah condemnation yes i i have met a few ones in that regard okay and so you are the four i am i am an individualist and that's the one that the motivation is a need to be special and unique in order to compensate for a perceived lack in the in their essential makeup. Lots of artists. A disproportionate number of artists tend to be fours.

You also call that the romantic. Sometimes called the romantics, yes. Okay. And each of these then has a wing, I understand. Yes. Like you're one of the ones on the other side of the other. So if you're a one, it'd be a nine or a two. Right. Right.

Right. Or so, you know, you kind of have this default or this, I don't know, you majored in one, minored in another, right? Great way to put it. Great way to put it. So you're an eight wing seven. Yeah, that would be true. Okay, so. Not six for sure.

Not nine. No, I'm not the peacemaker. Right. So you are more outgoing, energetic, fun-loving, right? There's your sunny, optimistic seven side that comes out. We were just talking about water skiing this past weekend, right? Yeah, or particularly being on stage. That's when that comes out.

Absolutely. But you're also sometimes, now maybe more as a younger man than now, impulsive and reckless. You're the most impulsive and reckless number on the Enneagram. Yeah, we make a decision. If we don't like it, we'll make another one. That's right. Very quickly. We don't have problems making decisions. No, you don't the Enneagram. Yeah, we make a decision. If we don't like it, we'll make another one. That's right. Very quickly. We don't have problems making decisions.

No, you don't. And big decisions very, very quickly. You're also, interestingly, the most entrepreneurial number on the Enneagram. Well, that's not shocking because of the decision making and the conflict drive. Yes. Yeah, that makes sense. That makes sense. But so the four is the individual is sometimes called the romantic.

And so you said there's a lot of artists. So we're in Nashville. A lot of music people would follow. Yes, absolutely. I meet fours everywhere or I meet threes, the performers who act like fours because they think that that's what success looks like. That's cool. Because that's cool. Yeah, you got to be individual.

You got to be different. That's what the definition of cool is. All right, so getting off of the individual thing with each of us then, I'm assuming there's some valuable lessons about how we can approach money and how we can approach each other with these things, because what's really valuable is not to try to figure out what's wrong or right with me or how I understand me, but if I know that you are a four, then it helps me relate to you. And especially if you're married, then how you handle money together as a couple. Oh, my gosh, yes. I've been thinking a lot lately about

finances and these different types. And I think what I've been able to be, what I've begun to do is be able to identify specific challenges and strengths that each has, and even maybe some goals each type has. Because I think as a data point, not as sort of the end-all to be-all of helping people with finances, right? But as a single important data point, personality does affect the way that you relate to money and your financial life, right? If you know what it is, you can save yourself a lot of time and heartache. So the peacemaker might be a saver. No.

No? No. Oh, they're a giver. No. I'd say that the saver is the one. In fact, I would probably bet that most of your coaches are ones. You've got a lot of one coaches out there. Okay. I know you have a lot of ones here at headquarters.

Yeah, we do. Yeah, we've got a lot of perfectionists in the building. We've got a little bit of everything, for sure. Ian Cron is my guest. The Road Back to You, An Enneagram Journey to Self-Discovery is the book. You can pick it up anywhere great books are sold. We're going to do another segment with him and talk about some other offers he's got for you guys to learn about the Enneagram process and also talk about how this applies to money. This is the Dave Ramsey Show. My guest for these two segments, my friend Ian Cron,

the book is The Road Back to You, An Enneagram Journey to Self-Discovery. You can pick it up anywhere great books are sold. Of course, Amazon.com among those. You can listen to his podcast. And most of the Ramsey personalities have been analyzed on the podcast by Ian. And had their Enneagram broken down, including me the other day. We taped one.

So it'll be coming out in about six years probably. I don't know how far back in the can you are on those things. But we taped one me the other day. We taped one, so it'll be coming out in about six years probably. I don't know how far back in the can you are on those things, but we taped one just the other day, and then Ian spoke for us here at the Entrez Leadership Summit. It was hugely popular with the leaders there because this idea of understanding yourself, why you tick, and how others make decisions is absolutely, absolutely a big deal. Typology is the podcast.

Be sure and check it out, Typology. Also, he's got an offer. If you'd like to do the Enneagram assessment, just go to his website, Ian, that's I-A-N, IanMorganCron, and that's C-R-O-N.com, IanMorganCron.com. And if you use Dave Ramsey as a voucher code, you get 20% off on the assessment if

you want to take the assessment it's worth doing and it's um you know you and i were talking about the other day when we were taping your podcast that um ever since i first saw the house or the disc or the strength finder stuff some of that 30 40 years ago was the first time i saw the stuff and i was just started disc was starting to raise up and get everyone's attention to the point that we've got a disc profile on everyone's desk. It's a part of their nameplate in the entire building. So when I walk up to someone, D-I-S-C, I can kind of at least know how they're going to function, how they're going to make decisions, how they're going to react,

what some of the weak spots and strong spots are and so forth. And, you know, that, again, the Enneagram, I guess, gives us a tool to grow personally and know what your natural strengths and weaknesses are, but also to do those others. And then it takes us into this idea you're talking about of handling money. So let's talk through the nine and how they handle money. So the improver is a saver. Perfectionist is a saver. Perfectionist is a saver. Yeah, I'd say that by nature, they're the most financially responsible number on the Enneagram. Okay. They're very organized, self-disciplined, conscientious. They like systems and protocols. They like the feeling that they believe that it's appropriate

to be financially responsible. The thing they have to watch out for is be, if they're not healthy, right, is they don't have a line item for fun. Yeah. Yeah. You know, and they need to do that. I'd say two helpers, the challenges they have really are they are, their finances are driven by emotions and feelings. They can tend to be over generous

with other people enabling and yes enabling and actually i have a story about that i knew a teacher a retired teacher who was a two found out that her daughter and son-in-law bought a house they got in over their heads and daughter shared with her without any expectation mom would do something right and but sure enough mom shows up at the door with a 250 000 check and a plan to help them pay it off interest-free and of course you know where that ended was resentment and broken relationship you know so twos are i think a challenge for twos is to find a partner because they're so interpersonal to help them work together on being financially accountable. And the performer achiever might be a spender. Might be a spender.

Might be prestige purchases. Could be status symbol purchases as a way to signal success. However, they love metrics, targets, goal setting. And so for a lot of them, and they're motivated by sort of tangible results, right? So lots of threes I know actually love being financially responsible, and they just love watching the markets. What stuff is happening today with- I like the debt snowball. snowball like seeing that debt go off yeah the positive traction yes definitely yeah clear plan goal setters yeah they need a clear plan or they get depressed yeah that's fine and you the four well you know romantic individualist yeah fours uh the challenge for fours is they they love art aesthetics, beauty, and they can become uncompromising in the sense that, you know, they don't want the signed print.

They want the original. Oh, yeah. Okay. All right. You know what I'm saying? Okay. So, yeah, no cheap stuff. No, and they don't want the cheap stuff.

So, what they need to do is moderate their feeling centeredness with critical thinking right more facts fewer feelings that way they can become more financially responsible they're aesthetic driven so they will over decorate the house yeah and it wouldn't be cheap originality don't come cheap you know all right number five the investigator you know the investigators are fascinating because they're by nature minimalists. They don't need a lot of stuff, right? Now, where they could run into trouble is they'll spend all their time researching financial topics. You know, they'll know everything about the stock market.

They'll know everything about mutual funds versus stock portfolios. You know what I'm saying? But they don't necessarily execute on what they learn, right? A lot of ready, aim, aim, aim, aim, aim, aim. And they also have a scarcity mindset, which they have to be careful of. You know, oftentimes say to fives to remember the gospel idea that, you know, the more you give, the more you receive. The loyalist six.

Yeah, well, they want to feel safe, secure, and supported in the world. They'll turn to a lot of outside experts to look for help, which is a good thing if it's the right expert, right? Of course. I think for sixes, they're worst case scenario thinkers. So trust me, they have emergency funds. For them, failing to prepare is preparing to fail, right? So that's a wonderful thing.

I love sixes, right, because they can be very generous, but they're traditionalists, and so they're going to work hard to maintain good financial systems if they're healthy. The enthusiast, seven. You got a seven at home right they're spenders they're spenders man they they love the finer things of life don't they and the experiences and they pay money for experience hey let's go to the patagonia's to go fly fishing on you know while i got 10 bucks in the bank right exactly so you know they're distractible um they struggle with impulsivity.

They're the ones at the cash register who cannot bypass whatever the sale is at the cash register, you know. Now, they're thinking types, so they can actually be very good with money, especially if you can teach them a little bit about delayed gratification and how to learn to say before they buy something, is there something I really want down the road that if I bypass this, I'll be able to do down the road. So if you live like no one else later, you can live and give like no one else, but very specifically.

Right, yeah. If you drive like no one else later, you can get a good car. That's right. That's right. So now you eights are really something because I think there's two kinds of eights. Maybe you'll recognize them, maybe at different seasons of your life. The first kind of an eight is one that works harder to play harder. Right?

So they'll work harder than everybody else. They'll make more than everybody else. They're going to use that money to play hard, too. Right? Yeah. Nothing is done except wide open. That's right. No dimmers.

It's on or off, baby. Yeah. It's one or the other. You weren't born with a rheostat, let me tell you right now. But, you know, they can be very content people, but they have to be careful that they don't become stubborn and not listen to other people's advice about what to do, for example, with their finances. You mentioned something the other day that caught my attention and i had not put an exact you said sometimes the the eight their driver is lust

and not in a sexual way necessarily but they they lust for things or or and so what i end up doing is i collect stuff yes i'll go on a tangent yes and so i have a collection of this and a collection of that yes collection of this yes and i can't. Yes. A collection of this. Yes. And I can't have two. No. I've got to have 200 of whatever it is. That's right. And that's also because you're attached, if you don't want to have time to get into this, to the fives on the Enneagram.

And fives have sort of a hoarding sort of a thing. They love collections of, you know, you'll find stacks of National Geographic's and records by this artist, you know, vinyl records of this or that. 20 seconds on the nines, the peacemaker. Oh, they're fantastic. The thing that nines have to be careful of is they're easily distractible. They tend to go with the crowd. And so if the crowd's doing something that's expensive, they may just go with it.

Even if they don't have the money. Even if they don't have the money. Even if they don't have the money. So peer pressure. So they have to, number one, I always tell nines, you got to have some kind of, you got to have an accountant. Yeah. You got to have somebody who's watching the bills. You got to have a no person in your life. You got to have a, yes, you got to have a no person in your life.

The road back to you, Ian Morgan. Ian Morgan Cron is my guest. Be sure and check him out at ianmorgancron.com and check out the podcast, Typology. Good to have you, my friend. Man, it's always great to be here. This is The Dave Ramsey Show. This is James Childs, producer of The Dave Ramsey Show. Once again, you made The Dave Ramsey Show one of the top four most popular podcasts last year.

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