The Ramsey Show - App - The First Show From the New Studio! (Hour 1)

Episode Date: July 22, 2019

Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out the fifth most downloaded podcast of 2018!   Tools to get you started: Debt Calculator: http://bit.ly/2QIoSPV Insurance Coverage Checkup: http://bit.ly/2BrqEuo Complete Guide to Budgeting: http://bit.ly/2QEyonc Interview Guide: http://bit.ly/2BuGnZE   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 

Music Live from the headquarters of Ramsey Solutions, the new headquarters of Ramsey Solutions, broadcasting from the new Dollar Car Rental Studios, it's the old Dave Ramsey Show, where debt is still dumb, cash is still king, and the paid-off home mortgage has still taken the place of the BMW as the status symbol of choice.

Well, that is the opener for the very first show of the Dave Ramsey Show in our new studios, Studio A, inside of our Ramsey Solutions headquarters. And we're honored to have you guys listening to us, but most of all, we're honored to get to do this. One month ago ago we celebrated our 27th year on the air this is um july the 23rd on june the 25th was our first day to broadcast in 1992 on a bankrupt radio station the entire radio station uh cost less than this room. Yeah, irony of ironies. And I went on as a guest a few times on that broke radio station, and the guy doing the show was being paid $35, and they were in Chapter 11 bankruptcy, and he'd been paying $35 per show.

And they didn't pay him one week, and he quit because he wasn't getting his $35. And so a friend of mine called and said, we need to go do that show. And I said, I don't want to do radio. Radio has no money in it. It's all egos and no money, and I don't think I want to deal with it. No, thank you. I need to make some money and feed my kids because we were so broke we couldn't pay attention. But as we talked about it and prayed about it, God said, I'm going to do a thing.

And you need to be real careful when God says he's going to do a thing. Because I'm looking at a bunch of our team standing around watching this right now. Our building's not open to the public yet. And yet there's two or three hundred folks standing in the lobby right now in the new headquarters. There's almost that many in the sound booth making sure all this is working. But the team's been working unbelievable hours, unbelievable years on this building to get this to this point to where we turn on this microphone today, the number of man hours that have occurred and the amount of people who cared deeply to cause this to happen is off the scale. You see, things don't happen in business where people don't care deeply.

Things don't happen in ministry where people don't care deeply. And I'm blessed to work with a group of people who care deeply. And they have treated this project as if they owned it, because they do. They're a team member. They're a part of our family, a part of the Ramsey family. And our hat goes off to all of them as we launch this new endeavor out of this new building and this new show or the old show in a new location. The Ken Coleman Show is in Studio B and just wrapped up a few minutes ago.

For those of you listening on SiriusXM or going to get the podcast later or whatever, you will find that actually Ken Coleman did the first broadcast from the Ramsey headquarters. It wasn't me. Irony of ironies, as it should be. The future leads out. And so good stuff. Very good times. So we started doing the show on this little broke radio station.

And we agreed to work for free and told the guy running it that if we were bad, he could cut our pay in half. And we were bad. He didn't fire us because he just didn't have a better option, and he wasn't smart enough to fire us, probably, bless his heart. But we kept doing the show, and even though we were country fried and it sounded like hee-haw radio, barnyard radio, WWT and y'all call in, we'll help you with your debt, it was bad, y'all.

It was really bad. And I'm really glad none of those tapes are out there. I'm glad the digital world was not happening in those days because some of you would still be playing that crap, especially you haters and trolls. But it was bad. But it was a learning. It was a place to learn. It was a place to make mistakes. And learn how to turn on a microphone and how to speak directly into it. And learn how to deal with a caller and get you guys off in time to go to a commercial break.

And learn how to deal with the crazy things that happen on the air and behind the scenes while you're on the air. And all of those things coming up on 30 years we've now been doing this. That old show was originally on Music Row in downtown Nashville, later moved to West End in downtown Nashville, and then Gaylord bought the station, moved us out to Opryland, a little bit east and a little bit north of Nashville, and we broadcast from there for several years, driving back and forth. Blake Thompson came on board.

We built a little studio in a closet, and I cut a hole in the wall to the other closet and that was the sound booth with a little piece of plexiglass that was not close. We didn't have an intercom between studio and the board team running the show production team. We just yelled through the wall. It was not soundproof. And so, you know, but it got it done and we didn't have to drive back and forth to Opryland anymore. And so I you know, but it got it done, and we didn't have to drive back and forth to Opryland anymore. And so I think the glass between us right now, between me and the production team,

cost more than that entire studio did. But it went over the air, and it worked. And at the time, we thought it was a big deal. And at the time, we think this is a big deal. We'll look back later when they're doing holograms and figure out that this thing right here was ancient you remember back when we did analog and ought 19 you know remember when we actually sat there and did the show that's what we'll be saying in a another decade or two but uh or some of you will if i'm not here either way uh pretty cool stuff to walk on a 27 year journey and see god's faithfulness and see him just show up time after time after time after time.

The number of times people in the radio business said that I was not going to be on the air but another few months, the number of times people in the radio business said we were not going to survive, it's just we lost count. It's humorous. I can think back. You know, the ones that you remember are the ones that hurt your feelings the most all i made you mad right made you made me mad and i

remember those people i'm sorry i shouldn't i shouldn't carry a grudge i don't really carry a grudge i just remember it because it pissed me off so bad and hurt my feelings so bad and it is kind of fun to relish in the fact i'll just be real transparent and say, you know, we're still in the business and they're not. Yeah. And so when God says he's going to do a thing, you can't listen to Eeyore. You can't listen to people telling you it can't be done. You can't listen to family that says it can't be done. You can't listen to quote unquote friends or well-intentioned eeyores oh it's bad you don't know how tough it is

it's rough out there i remember when the talk radio publications came out with a thing early on and we were in the two to five eastern time slot which we still are and they talked about dr laura being in that time slot and several others but john hannity in that time slot, which we still are, and they talked about Dr. Laura being in that time slot, and several others, Sean Hannity in that time slot, me in that time slot, and they said, if Jesus, if God himself had a show that he was syndicating in that time slot, he couldn't get it on the radio right now, and we just laughed to ourselves and said, well, he does. He does, and so we'll see. So 27 years later, here we go, and we're still sitting here.

We're not necessarily the best. We just didn't quit. And we didn't shoot ourselves in the foot yet. Tens of thousands of hours of radio. And so far, I haven't said things on the air. They've taken me off the air completely. I'm capable of doing it, though. You guys know me.

You listen to me. Sometimes I do that. But we're going to spend some time today talking about that kind of stuff, and we're going to take your calls. We're going to talk to the Ramsey personalities, each one of them today, as we celebrate this launch of the brand-new studio in the brand-new Ramsey headquarters. And you know why we built this? For you guys.

We want to serve you better. We're honored that you're listening. This is the Dave Ramsey Show. We've been voted one of the best places to work in Nashville 11 times. You want to know how we do it? Well, our team has been using LinkedIn jobs for years to find the best people from all over the country to come and help us change lives. Think about it. LinkedIn has more than 600 million active members.

I'm talking about people who come to LinkedIn to make connections, grow their careers, and discover new job opportunities. In fact, 90% of LinkedIn users are open to new opportunities, but not actively scanning job boards. This means LinkedIn Jobs gives you access to an entirely different demographic. Don't wait. One hire can change the direction of your company. Post a job today at linkedin.com slash ramsey and get 50 off your first job post that's a milestone. It's a moment when you have succeeded.

When you say, touchdown! And so we're doing that today. It's a moment. It's a milestone as we launch the brand new studios and the brand new headquarters of Ramsey Solutions. We will take your calls today, never fear. But this is not business as usual because occasionally you need to stop and say, it's not business as usual. You know, when babies are born, when people get married, when we have a funeral, when we do something new and big, when we launch something, it's not business as usual.

You need to stop and mark it in your emotions, mark it in your spirit. And that's what we're doing today. So we're taking your calls, yes, but it's not business as usual. One thing I wanted to do on our very first day in the new studios is have each of the Ramsey personalities on. And Chris Hogan's getting ready to head to New York in just a few minutes. He's doing a couple of days of television up there. You'll see him all over Fox and CNBC and Yahoo Finance, everything else, Sirius XM in the next two days.

So be watching for that. But before he jumped on the plane, I said, hey, jump in here because we're going to get a few minutes with each of the personalities. Wow. This is something, isn't it? This is unbelievable, Dave. Wow. It really is's it's almost a little intimidating and we built it yeah no it really is uh you look at uh just the magnitude of this

and uh how much hope it's going to give people for many many years to come it's uh it's fantastic the stuff you guys will be able to produce out of here. We were so crowded and so chopped up for broadcast time to get the podcasts out for each one of you. For the Ken Coleman Show, which is now on regular radio as well as Sirius XM and all the different things. The Rachel Cruz YouTube show. All those things were just, we were just back to back to back to back to back. We couldn't breathe. And now we got a little breathing room, which is going to open up some creativity, isn't it? Oh, it really is.

I mean, Dave, we're really self-contained from here. In this building, we're able to do things via fiber for TV. We can record our own shows and our own videos. And there's multiple locations where we can be doing multiple things at the same time. Yeah. So this building does mean a lot to our team. What are you personally excited about regarding this thing? Well, I've been with you for 14 years.

And, you know, thinking back, when I first started, we were all under the same roof. So the opportunity now for us all to be here, to be able to go floor to floor and to see all the team members, is something I'm very personally excited about, to be able to see floor to floor and to see all the team members is something I'm very personally excited about. To be able to see the faces and the synergy. And I'm already feeling it now as we get more and more. I saw you sitting in the cafeteria early this morning. Nobody down there but you and a couple of the marketers at one table. And that's stuff that couldn't happen before.

No. Without an appointment, an outlook, and you had to drive across town. That's exactly right. And you just run into them and say, hey, let's sit down and talk about this. And that's exactly what we did. And so that, for me, is the thing I'm most excited about, to get to see and meet and get to know the new people on the team and to really share the culture of what we're all about. So folks may not know. I mean, most people know the ramsey brand know chris hogan is a a major deal with two number

one best sellers and uh one of our top speakers out there all over the place and top appearances on media and so forth go back and talk about tell the story of how you actually became a ramsey personality because back then we didn't call them ramsey personalities no no not at all uh at that time we were called message bearers and a bad name well i didn't have anything to do with that day um but but but it was an opportunity to really continue to spread the message of what we're all about and how we go about it and the the you know the chance to get up and to speak a little uh but prior to that i was coaching people working with pro athletes and entertainers uh that's how you joined our team.

You and I talked about you sat in on the show one day. We got talking. And you have your sports background and an MBA in finance. And I said, hey, man, help me. Let's go help these athletes. And that's how you came on board originally. That's exactly right. And we had grand ideas and plans.

But we made people nervous because we were helping the individual learn more. And the business managers and the sports agents, well, they were scared of us because they knew we didn't want anyone making decisions from people. We wanted to educate them to help them make their own. And, you know, we still poke around in that world and help out. But more than anything, we're just a disruptor. And so from there, how did you become a Ramsey personality? Well, from there, then it began not just coaching pro athletes and entertainers, but coaching everyday people from all around and got plugged in on some of the trainings.

Our financial coach master training, which was called counselor training at that time, and getting up on stage and doing some presentations. And you remember the tryouts that you put us through. Rachel, Christy, myself, and a few others, each of us had 10 minutes on three different topics. And you were in the back, and we were up in front of a staff room in front of our team, and we had time to get up there and speak. And I'll never forget you standing in the back

just watching us. I don't think you blinked or breathed. You were watching. And it was a little intimidating. Good. Yeah, I know what you intended. But it gave us little intimidating good uh yeah i know i know what you intended uh but it gave us an opportunity to really show what we could do and that was kind of the beginning you know and with your guidance and and and jeremy breland uh teaching us and

guiding us we were able to all grow in our skills and uh it's amazing to see where we all are now yeah that's it's kind of crazy yeah you did a lot of years of speaking for almost nothing. Yes. Before there was a number one book, before there was anything, you know, you did a lot of inside the company events where you were teaching our team or teaching smaller entree leadership classes and those kinds of things. You paid your dues. You didn't just start on the big stage in front of 10,000 people.

Oh, no, no, not at all. um you paid your dues you didn't just start on the big stage in front of 10 000 people oh no no not at all but i i think that was a that process that we went through to get to where we are now gives us that gratitude uh that that that appreciation where you don't take things for granted and you understand the impact you can have uh on people by sharing information yeah yeah it's a it's a privilege to strap on one of these microphones, whether it's on a stage in front of a live audience or here or on a YouTube thing or whatever we're doing, a video series for Financial Peace University, those kinds of things. It's a privilege.

And we spend an awful lot of time these days around here talking about who's going to be on the other side of that. You guys that are out there listening, you guys that are out there viewing, you guys that are going to be reading a book, you guys, what's the customer? How are we serving them? I think that's been one of the ingredients of the secret of our success. Oh, without a shadow of a doubt. And I think that mindset you tell us all the time, you know, we exist for people that aren't here. And that was one of the first things that I heard you utter when we were here at this at this location doing an event before we'd even moved in,

you said what you see back here is a lot of concrete and a lot of hard work, but it exists for people that aren't here. This is a place for hope. And that is something that I've heard you say for 14 years, and that is exactly who we are. Absolutely. For sure. Very cool stuff. So what's in the future for chris hogan ramsey personality well i'm excited to get in studio b uh once i fight coleman and get him out of there i'm telling you he took it

over yeah he put his own stuff i'm gonna take it down dave the stuff that's on the show it's coming i know it's that thing's going away um but we're all going to share that but i'm excited to grow my show i'm excited for the youtube uh things that we're going to be able to shoot and really grow that area. And who knows, Dave, there might be another book or two in the future. Yeah, I suspect. I suspect. Well, the last two have been number ones, so we probably shouldn't stop that.

If you fail a bunch of times, we'll probably quit writing them. But as long as you're writing number ones, we'll probably let you keep doing them. I appreciate your honesty. So we do have two studios on the glass here in the lobby and a big, big area for customers to visit and to see some of the history of the Ramsey thing, not just me but everybody, and to visit the cafe, which is now renamed the Baker Street Cafe after the opener. The opener of the Dave Ramsey Show, the music bed under it,

is Jerry Rafferty's Baker Street. You'll get that. And you can watch this show, my show, on the glass every day from 1 to 4 Central Time. This will be open somewhere in early August. So if you're coming to the Nashville area, make sure you put in Ramsey Headquarters and stop by and see us. And Studio B, Chris Hogan will be over there and all the other Ramsey personalities,

including Ken Coleman, doing his show over there and doing the podcast over there. But we also have seven more podcast booths downstairs to do podcasts with and two full-size television studios to shoot videos for. The Rachel Cruz YouTube show is quite an endeavor and all the other things. So a lot of things happening in the future here. We'll get to New York, get your work done. I appreciate you, Dave. Thank you for having me.

Thank you. I'm honored to work with you, sir. I am too, my friend. It's good times. Thank you, sir. Ladies and gentlemen, Ramsey personality, Chris Hogan. We'll see you next time. One question I get asked all the time is, do I need life insurance? Listen, the whole point of life insurance is to replace your income for someone who counts on you. So if you have a spouse or you have kids, yes, you need term life insurance. It's the only way to protect them until you're out of debt and have built up your wealth. You're only digging a

deeper hole if you waste money on cash value plans, since it robs you of the ability to make real progress. And that's why I send you to Zander Insurance, and I have for 20 years. That's where I get all my insurance, and they only offer the plans I recommend. It is not expensive. It's not complicated. And Zander will be there as your guide every step of the way. Visit Zander.com or call 800-356-4282. You need to get this taken care of. I can give you the advice and I can tell you where to go, but it's really up to you to take that important step to get your family protected that's zander.com or 800-356-4282 Welcome back to the Dave Ramsey Show.

Up first this hour, Mark is with us in Fort Worth, Texas. Hey, Mark, welcome to the Dave Ramsey Show. Thank you. How can I help today, sir? I had a question about basically my wife and I, we bought a house after I got stationed here. I'm an active duty military gas station employee. We bought a house, and about a month ago, she left, and I'm trying to see if she goes through with the divorce and everything. Should I sell the house.

I'm sorry. How old are you guys? I'm 32. She's 35. How long have you been married? About in September. It would have been two years or will be two years. What in the world happened?

I don't know completely. I know, well, I think part of it was actually not following your steps. I think it would have actually contributed to us trying to make it work. But we actually got debt-free while I was on deployment last year. And then I got orders to Fort Worth, and we decided to buy a house. And then I don't know if she just – I think she's, like, falling out of work with me. So I'm still trying to make it work, but I don't know if she will. Okay. Well, I'm still trying to make it work, but I don't know if she will. Okay.

Well, I'm sorry. Well, obviously there's a moment in this process where there's a tipping point. And the tipping point is when you know that we're going to divorce. It doesn't sound like you're 100% there yet, but it sounds distressing like it's heading that way is what you're describing. Okay? So today I wouldn't do anything because if you get back together, this house was part of your original equation.

It could be part of your future. Selling it as a joint decision could be part of your healing if it's causing financial stress um yeah but i really i i wouldn't make that decision today what i would do is run it through my mind as a scenario and say well obviously if we get back together the house is still on the table and we don't want to take it off the table yeah but if there's a if there's a breakup once we know there's going to be a divorce once papers papers are filed and you're sure that you're sure, then at that point, a friend of mine that does divorce recovery work says that a divorce turns a marriage into a business transaction. And so at that point, this is just a business transaction, sadly.

And you just go, you know, I'm a single guy in the military, and do I need this house? The answer is probably no, isn't it? Yes, that's why I was calling, because I also have three kids that come down to visit me quite often. Well, two, maybe three times a year, so I guess it's not quite often. And that's what I was trying to see. Should I just get an apartment? So I'm going to try to run through the numbers with you and see. Yeah, so what is your house payment? $1435 a month.

And what is your personal take-home pay? Do you want take-home before child support or after child support? You're already paying child support? Yes, the three kids are from a previous relationship. Oh, okay. All right. Yeah, well, before child support, what's your take-home pay? So before child support, it's $5,900 a month.

And then after child support, it's $42,000. Yeah. Okay. Well, you can afford the house then. It's a fourth of your take-home pay before you take care of your kids, and then you take care of your kids. So you can do that as a single guy. If you like the house and you want to stay in the house,

the question I've got is if I'm 32 and I'm single and I have kids three times a year, would I rather just rent the presidential suite in the local hotel, which would be cheaper when the kids are in town? You've got a pool, you've got a restaurant, and it's cheaper than owning the house and then just live on base or live inexpensively. But if you desire to own that house, you think you're going to be in Fort Worth a long time and there's something about this particular property that you really like and you want to hold on to it, it's in the affordability range.

It's just a matter of, you know, does the new normal for you include this house? And that's up to you. The numbers work, though. There's not anything that keeps you from owning that house from a numbers perspective. Patrick is with us in Texarkana. Hi, Patrick. Welcome to the Dave Ramsey Show. Hey, Dave.

I appreciate it. It's an honor to speak with you today. You too, sir. What's up? Yes, sir. Well, I am 27, single, salary about $ 000 a year um two and a half years ago i inherited 367 000 for my great grandmother my goodness and yeah it was a good chunk of change yes sir yes sir for sure um i use that money to uh buy property build a house um buy a boat, buy a tractor,

some other things for the property. I've got about 80 left over of that. And I was just going to get your thoughts on seeing, you know, what I should do for that 80,000. Okay. Do you have any long-term investments going? Yes, sir. Well, that 80,000 is in a managed account right now with my financial advisor. Okay. Do you have anything like 401Ks or Roth IRAs going? Yes, sir. That 80,000 is in a managed account right now with my financial advisor.

Okay. Do you have anything like 401Ks or Roth IRAs going? Yes, sir. Yes, sir. I've got a 401K with my company. I've been with it for five years. There's about 12 sitting there right now. Okay. And you're 100% maxed out?

I mean, you're 100% debt-free? I bought one of those nice, fancyowers and um i've got you bought a what you bought what a lawnmower v-turn lawnmower yeah but you didn't pay for it no sir i did not i said yeah but i didn't okay well go ahead and pay that off today that was stupid okay all right okay what What other debts do you have? The only other debt I have is my truck. I use the truck for work, and I know you love companies that give a vehicle stipend for their employees to use a vehicle for work.

Do you get a vehicle stipend whether the truck has debt on it or not? Right. Yes. So pay off the truck. Okay. What do you owe on the mower uh like six six thousand what do you owe on the truck oh probably 25 okay all right so we're 31 000 down on the 80 which puts us at 49 to invest do you have an emergency fund of three to six months of expenses not counting this 80?

No, sir, I do not. I was thinking, I mean, should I use some of that 80 to put in my emergency fund? Yes, sir. What do you think? Yes, sir, you should. Okay. You need to have an emergency fund of three to six months of expenses. What's your income, sir? $45,000. Okay. All right. I'd probably set yours at about $20,000 then. And so now that leaves us with $29,000. Okay. All right. I'd probably set yours at about $20,000 then. Okay. And so now that leaves us with $29,000 to invest. Yes, sir. Yes, sir. And, you know, you can do some stuff with that, but we're debt-free 100%. We're living on a budget.

You never buy anything else again the rest of your life with debt. Yes, sir. And you'll be incredibly wealthy if you do that. Right. Yes, sir. If you watch what incredibly wealthy if you do that. Right. If you watch what you're doing and invest what most people pay in payments, that's the way to honor whoever the very wise person was that made enough money that they left you $350,000 two and a half years ago. And the way to honor them is for you to be wise

and for you to watch every step of what you're doing. And you've got to be real careful. There's nothing horribly wrong with owning a truck, nothing horribly wrong with owning a zero-turn lawnmower, but you pay cash for these things, and the last thing you want to do is walk around acting like you can afford them. You need to really think about all these kinds of purchases. If you're a billionaire, you can impulse something that's $27,000.

You cannot impulse something that's $27,000 when you make $45,000 a year and you have $80,000 to your name other than the stuff you own that you bought with the money before. So you pay cash for stuff. You're going to get yourself in trouble, and you don't want to do that. You don't want to look back and have that horrible taste on the back of your tongue called regret. It's a bad place to live. Hey, man, thanks for the call we appreciate you listening this is the dave ramsey show Thank you. Welcome back to the Dave Ramsey Show.

This is a day that we are celebrating being in the new studios and the new headquarters for Ramsey Solutions. And one of the things we wanted to do is make sure that all the Ramsey personalities came on today. And we just mark this as a milestone, mark this as a moment in time by making sure that we just talk about it out loud. Sometimes you get, you know, you just get on to the next thing so fast. I do that. I drive past these moments that you need to just stop and say, hey, this is a new thing today.

It started. Rachel Cruz, my daughter, Ramsey personality, number one bestselling author multiple times. You see her regularly on Fox and Friends and Good Morning America. She is a huge star on YouTube with Rachel Cruz Show as well. Joins me as we're just stopping and going a little bit down memory lane and looking out into the future a little bit as well. This is pretty crazy, isn't it? I know. It's so fun.

I was talking to Kelly in the booth right before I came on, and she was like, you had the last show at Financial Peace Plaza, like the old building. It was like you, James, and Kelly, like three people here because everyone else had moved down. And she was like, the last show in that building was like, it's over you know it's like a funeral yeah and then you come here and it's like buzzing and yeah it's so fun so two three hundred people out here when we started super fun yeah and now they've all gone back to work thank goodness but yeah it's good but yeah so um let's kind of go back uh for people that are newer to the show we have a lot of new listeners and new viewers on YouTube and that kind of thing that join us all the time.

And this whole Ramsey personality thing, talk about how you became a Ramsey personality. I would say I came on board before there were personalities. Yeah. We didn't call them that then. No. So I feel like my story started more back in high school when i started traveling and speaking with you at the total money makeover events those big arena events on saturdays it was a full day-long event and someone from the office

um at the time was like rachel you know i was 14 i think at the time 14 15 and they were like you should get up on stage before one of the breaks and pitch the kids' products because it'd be so fun to hear from Dave Ramsey's daughter about what it was like growing up as Dave Ramsey's kid. And you can talk about the kids' products and how much, you know, they kind of developed out of your household is where they came from. Yeah, you had a pretty good little routine, 15 years old in front of 10,000 people talking about how tough it is to be Dave Ramsey's daughter. You remember any of it?

Yeah, I had my top 10 list. you remember some some of them uh oh gosh top 10 reasons it's tough to be dave ramsey's one was that if a hot guy ever asks you out on a date you're required to ask him if his car's paid for there you go before i pick you up that's a good one and another one uh oh gosh i can't remember now that was like never allowed to supersize yeah we were never that's back when supersizing but you're never allowed to supersize your mcdonald's because if you put that 39 cents in the bank you'll be a millionaire by the time you're 83 yeah so i was like so yeah i had my little list and then my my little thing that i did on stage so all that to say though i remember though at 15 and i probably couldn't have verbalized it then but I remember thinking like that was so fun

like my very first event I ever did was in Seattle and I remember I was like I got off stage and I thought man that was so fun and someone said that I said that to someone and they said wow well that's not normal most people hate public speaking and the fact that you're 15 and you enjoyed that that's interesting and I was like yeah so I did it more because you because after I got off stage I'd run to the back book tables and i got a cut from whatever sold from my little table and that was my job for like the last three years of high school was doing that was traveling with you and doing that and so i saw it more as a side gig of like oh yeah i can make some great money in high school and this can be my part-time job besides just babysitting uh and then went to

college and i kind of say that was my light bulb moment of realizing how much... Well, you got a communications degree. Well, sure. But even freshman year of college, though, was my moment where I realized, oh, well, the message of what we talk about and what we teach at Ramsey Solutions, I really do believe because I was talking to peers at that point about student loans and credit cards and car payments, you know, all these 18-year-olds who were already making so many devastating mistakes with their money. And I remember sitting there thinking, oh, I mean, I don't have all the answers.

And we're thinking, I'm 18, I don't know everything, but I know enough that could help you already make smart decisions with your money. So I became really passionate about that, the message side of it. So when I graduated. And that did not happen to Daniel or Denise. No. They did not decide. They were, you know, they did not say, oh, my friends are doing this. I've got to stop them.

They both just kind of stood there and watched it. Do you know what I'm saying? It was like you're the one who had to interrupt them. Yeah. Yeah. I mean, I felt something in me. I was like, no, no, no, no, this isn't right. This isn't right.

And so when I graduated, there was just a natural next step of talking to you mom just saying man i want to travel at the time was to high schools and colleges because i really saw myself at that point as kind of the preventative medicine while you were the emergency surgeon i'm like if i can get this message early um and so again this is all before ramsey personalities so when i started i mean i graduated in may i remember winston i were married we got we moved to nashville i think it was like two days later after we moved in i hit the road that summer and toured with this camp this youth camp or something all summer long i was gone for like two months basically doing that and yeah just kind of grew this heart for the youth of just getting that message out and then here at ram Solutions, I feel like we refined and perfected

kind of the system of, okay, what does it look like to be a speaker, to be an author and all of that, which kind of birthed the Ramsey personality. And then my message moved with me out of youth. Thankfully, Anthony O'Neill is on the planets because it's hard talking to high school students. If I was still doing that today,

that's a tough job. So like, praise God for Anthony O'Neill. He can take the youth. But yeah, so I'd say like, you know, being married and becoming a mom and working and all that. I mean, my message has progressed with me, I guess, in that sense. So that was 10 years ago. Wow. 10 years you've been doing this.

Plus high school. That's fair. Yeah. So 15, 16 years. Yeah. So do you remember the first time you did a big television show and you were freaking out? Oh, 100 percent. What was it? Fox and Friends, New York. Really? And actually, no one from our team was able to go. Winston went with me and we went to New York.

I remember what I was wearing. I had a blue blazer on and a striped shirt and jeans. I mean, I feel like I had and I had no idea. idea i mean i was i was scared to death and we left and the hit went well fine um i remember we left fox and friends studio the fox news building and went right around the corner to this little cafe thing and had breakfast and just feeling like the biggest relief of my life like it was like the adrenaline just like i just you know i just like crashed and i was like oh my gosh but it was so the adrenaline just like, you know, I just like crashed. I was like, oh, my gosh. But it was so fun. So we just threw you in.

Nobody went with you? No one went with me. No, it was just me and Winston back there. Was there a certain subject? It was kids and money. It was college and money, yes. Precursor to the book Smart Money, Smart Kids, which we did later. Yeah, I mean, it would have been before that for sure. Yeah, yeah, yeah.

Precursor, yeah. So, yeah, that Fox & Friends hit was my first national. And then I did a satellite hit. I remember that was one of my Yeah, yeah. Precursor. So, yeah, that Fox & Friends hit was my first national. And then I did a satellite hit. I remember that was one of my first, too. Those are very difficult. CNN, I want to say I did that. Yeah, yeah. We did a lot of CNN in the evenings.

Yes. And I think that was my first, like, fiber one. But, yeah. Oh, yeah, those are the milestones, for sure, in your minds, just like this. You do remember those. The first day here at the studio. So, this new building, as you walk around, our team is just on, it's like Christmas morning. We're all jumping up and down.

What are you excited about for the future, given that we've got the capacity we've got now for the Rachel Cruz brand? Oh, for me specifically or Ramsey Solutions? You specifically. Oh, for me specifically or Ramsey Solutions? You specifically. Oh, gosh. I mean, there's like a logistical standpoint that our team is like, we're together now. We're not spread out all over the place. Like, we're all right there. And so, workflow, getting work done, all of that is so nice. And we have studios here in the building.

Just jump on the elevator, go downstairs and shoot a shot. Yeah, which is just so nice. So, I would say that. And yeah. And I just think, you know, the amount of growth though, as a company, not just the Rachel Cruz show brand or the Rachel Cruz brand, but just Ramsey solutions in general, like, man, it just feels like you can breathe.

Like when you just like physically move spaces and it's just like, Oh, there is new energy, but it feels like there's like literal room for growth. And, and that's exciting. And I wrote, um, an Instagram post, a social post about our team member premiere, uh, two Thursday nights ago. But it's true. Like we say it all the time around here, but like we, we exist for the people that are not in this building.

And so that's the fun. That's the part where you're like, like man how many more people are going to be reached how many how many more people are going to hear the message are going to get help just because of the logistical factor of that of this company relatively small i mean almost 800 800 people but but in the grand scheme of right america i'm like we're like this little group of people right outside of nashville tennessee but productivity is going to change oh yeah it's huge so you have a new show hitting? Yes, the Rachel Cruze Show, new episode out today.

Things society won't tell you about money and how to bust those myths. How proud are you of Winston for knocking this huge project out? Oh, my husband. Man, he's so good. He's so good. He is. This is an incredible project he's worked out. It's insane. We've worked our way through it in the last five years together.

It's done a million details, and he's done a great job. He's done a fantastic job. Well done. Good stuff. Rachel Cruz, Ramsey personality. Our first day in the studios at the new Ramsey headquarters. This is The Dave Ramsey Show. This is James Child, producer of The Dave Ramsey Show. Once again, you made The Dave Ramsey Show one of the top five most downloaded podcasts last year.

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