The Ramsey Show - App - The Illness vs. the Economic "Cure" (Hour 2)

Episode Date: March 23, 2020

Dr. John Delony, Dr. Henry Cloud, Insurance 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 

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, Ramsey personality, Dr. John Deloney. Dr. D, we call him, is with us. He is a professional counselor, coach, I keep him is with us he is a um professional counselor coach i keep calling him but he's a counselor uh has a phd in counseling and in higher education two of them piled higher and deeper twice you did it not a lot of friends though that's right

not a lot of friends yeah a lot of classes yeah but lots of books, lots of words, lots of things you covered. I love it. So we're taking questions. A lot of you are facing some fear out there. You're afraid of the economy, the harm to the economy brought on by what is perceived to be the cure, not the cure, but the way to limit the pandemic is everyone stay at home and shut down all the businesses, which shuts down people's income, which shuts down their lives. And so their lives are being harmed more by the cure, the average person in America, than

by the actual virus. And some of you are very, very afraid. We've been urging people to remain calm no one makes good decisions when they're drunk or when they're panicked and some of you are both and uh some of you are being really mean to other people because you're afraid and you need to check yourself uh this is a time that you need to grow up, regardless if you're 54. And, you know, I think one of the things I've seen that has caused people to be the meanest, particularly when it's directed at public figures, including myself,

is when, I don't know what this is, John, in the human psyche. You can help me with this. There's a level of arrogance, aristocracy sense, entitlement sense, that tells you that it's not only your job to manage your space, but you're supposed to tell everyone else what to do. We used to, when I was a kid, we'd say, none of you. Right. None of you business.

Right. But mind your own business. But people can't do that anymore. They're really good at minding everyone else's business. But you've got a full-time job just taking care of your house right now. You've got more than a full-time job. You've got more than a full-time job taking care of your own head right now. Yeah. I think we talk about fear is causing people to be unkind.

I also think insecurity is, too, because there's this myth that we all should know what we're supposed to do all the time, especially husbands and dads across the country, moms and wives across the country. I'm supposed to know what to do. And you get this moment, I don't know what to do. And the best way I can solve that sometimes is to yell at somebody else and tell them, well, you're doing yours wrong, right? Like we have this hierarchy of as long as I'm not as bad as my neighbor is then i'm okay yeah and that goes directly in opposition to just being kind my critical thinking path that i don't know where it came from it may be just my hillbilly rebellion self but um is contrarian and so as soon as

someone says this is the way it is, I immediately think, no, it's not. That's exactly how I am too. That's right. No, it's not. It's like, you know, the CDC says this, and I'm like,

my cousin works at the CDC. You know, that proves it right there. You know, I mean, it's like... So what if we're in the new rebellion is kindness? Yeah. Or the new rebellion is tipping obnoxiously, right?

Yeah, or delivering groceries to somebody who's shut in. That's exactly right. Or, as you said, you walk down the street with a garbage bag and rubber gloves with your son picking up trash just to get out of the house, get some vitamin D. That's exactly right. That's right. How's that for a new rebellion, right? Yeah, a whole different kind of kindness rebellion.

But my point is that my first inclination is to be be a sheep dog instead of sheep i immediately challenge authority whatever it is and you know you know my wife is pregnant with our first child 35 years ago and the ob says such and such and i went i don't think so oh man and she said you're not so bad about that you're not a doctor i said yeah i know but you're gonna have to prove that i'm not just taking just because you got a white coat and a stethoscope does not mean I'm going to believe you. You've got to make your case, dude. And, you know, I made his case, and I went along. But, you know, I'm not going to just automatically fall in line.

That's right. That's my nature. And so just because the president says something, the governor says something, for God's sakes, the mayor says something, that's proof right there that I'm just not going along. You know, I'm not necessarily going to think the way they think. I have other responsibilities. I have critical thinking skills that are different, and I have, you know, I have to think for myself, and you got to think for yourself in this, and so, you know, I've got a friend who's recovering from cancer and has been through chemo, and he's thinking for himself, which he's staying at home.

It's a really good idea. It's a great idea. That's right. And not being, you know, out there, not connecting to anybody because he's in a weakened state. He's in a high-risk category with this thing. So answering your questions about those subjects, about fear, anxiety, about money, about life on the planet right now in this weird and wacky time, we love you, but we love ourselves to the point you're not allowed to be mean. And so I'm not going to fight with you.

You're just wrong. You need to be kind. That's right. You just need to calm your little butt down and be kind. All right. Let's go to Olivia in, uh, is it Arkansas? Alaska? What is that? I can't, Olivia, how are you? I'm good, Dave. How are you? Better than I deserve. How can we help today? Um, so it is Alaska and hi, Dr. D. Thank you for being here today. You bet, Olivia. Yeah. So my question is, my husband works for the fire department here in Alaska, and I'm enrolled as a graduate student to become a physician assistant. And so both of us are, you know, me right now, I'm not currently on the front lines, but, you know, he is in this whole pandemic.

And we both went through Financial Peace University recently and work in the baby steps. And we haven't gotten life insurance yet. It's on the ever-running long to-do list. And so that's been something that's been on our radar. We were planning on taking care of that before all this happened. And I guess my question is, you know, what in this, you know, turbulent time, is this a good time to be getting life insurance given, you know, our future jobs or my future job and his current job and how should we move forward? Are either of you in diminished health?

No, no. We're 28 and both of us are not both healthy. Yeah. Well, you shouldn't have any trouble getting life insurance. The only trouble, and I would go ahead and do it immediately, not because of coronavirus, but because you should have already done it. And, you know, the only trouble you're going to have is that folks like Xander Insurance are working from home, and so are the people doing the medicals and so they're

all backed up and they're repurposed into other stuff right now and so you may take a little longer to get life insurance but if you can get what we call if you can get bound for coverage remember that phrase that means that even though they haven't issued the policy if one of you passed away in a car wreck or something during that time if they haven't issued the policy, if one of you passed away in a car wreck or something during that time, if they would have issued the policy anyway, they will pay out. That's what bound for coverage is. And so go ahead and get bound for coverage. And the other thing is, folks, if you haven't gotten your wills done,

it has nothing to do with coronavirus, but you're sitting at home doing nothing. Jump online on Mama Bear and mamabearlegegalForms.com and get your well done. Absolutely. And it's a good time to catch up on stuff like that that you know you needed to do, but not because you're panicked about coronavirus. Because you got some free time. Coronavirus is really not going to affect life insurance world at all. That's right.

Except for people who are in diminished health because they're a statistics-driven industry. They're basing not off emotion, but off of actual statistics. There you go. Folks, I love telling you about well-made, well-thought-out products. Today, I'm talking about Grip6 belts. I don't know about you, but I'm not a fan of traditional belts. They never fit right, and they're uncomfortable. Grip 6 belts are unique. Owner BJ designed a truly modern, minimalist belt made of high-quality materials with no holes, no flap, and no bulk. And the

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That's GRIP6.com. Welcome to a special edition of the Dave Ramsey Show as we talk about your life and your money this hour. Dr. John Deloney, newly minted Ramsey personality, joins us. He's got a Ph.D. in counseling, has worked a lot in crisis situations, helping people work their way through that. So if you've got questions for him, the phone number is 888-825-5225. That's 888-825-5225. Blinds.com is the number one online retailer of custom window coverings.

You get free samples, free shipping, and with the new promos they run every month, you save even more. Use the promo code RAMSEY to get the best possible deal. They give us our question of the day from Nancy in New York. Dave, you often refer to having three to six months of expenses, but what do you include? For example, as a homeowner, do I include my school and property taxes? Thank you. What does it take to operate your household a month over the scope of a year? Yes, that would include paying your taxes.

Yes, that would include operating your household for a year. And divide that by 12, and you've got your annual. I mean, you've got your monthly, and then multiply that by either three or six. Right now, everybody's kind of thinking six. There's a lot of people tempting me on social media to say I told you so, but I'm not going to do that if you're hurting and you don't have your emergency fund. Hey, I understand. You know, the beauty of a moment in time like this, John, is that

I remember when my grandpa was alive. He was one of my favorite men to ever live. Grandpa Ramsey, he was a good man and taught me to drive a tractor, taught me how to pull a rusty nail out of a board. And you can't hear me again. You can now? Good now good okay pull a rusty nail out of a board and uh straighten it out you know old nail and put it in a coffee can yeah and uh his entire habit pattern in 1970 was affected by 1929 that's right and um it made him frugal the great depression made him frugal he's probably naturally frugal we're scotch irish so we probably naturally frugal people uh in our dna or in our environment or whatever but uh these times set new boundaries in your life and sometimes it's a personal crisis but when you go through a national thing,

it's like your wake-up call, and you go, never again will I be caught without an emergency fund because my stress level goes way down when I have six months of cash in the bank and we're facing a one-month crisis. It changes everything. People reset their brains, don't they? Isn't it beautiful? And when you have a crisis, your brain remembers, I don't ever want that to happen again.

Yeah. It's debilitating in one sense. In another sense, it's a permanent change. And it's freeing. It's like transformation. That's right. That's right. It can free you.

And you can say, never again. There's my never again moment. I'm never going to be caught off guard by a virus I can't even see. Right? An enemy I can't even see. And I'm going to make changes today that make sure this never happens again. Yeah. I went through a personal one when I went bankrupt and lost everything.

I said, never again am I going to be in a position. Never again will I miss a tithe check. Never again will I be without an emergency fund. Never again will I be without cash. Never again will I be in debt where someone's takes something when something moves that's beyond my control and that's what happened to me it was beyond my control but what wasn't beyond my control was being in debt being in debt was in my control there you go and so i don't never put my made myself susceptible to a national

calamity much less a personal calamity again in those areas that's. That's right. Now, I'm susceptible in other ways. I can't, you can't, everyone's susceptible to something. But you control the controllables, and you say never again. That's right. And I've done the same thing with, I'm never going to say that to my wife again. And I'm never going to ruminate on the negative, what could be again, right? And you said all those never agains, and then you start creating patterns and opportunities for yourself and for those around you that it never happens again.

Yeah, and then later on when it looks like someone says, well, everybody else goes in debt. Everybody else gets a credit card. Everyone else has a car payment. Everyone else does not save money because everyone knows that the economy is okay. Everyone knows that you're going to be okay. Everyone, everyone, everyone, everyone.

And I just look at them, and what my old pastor used to say, a man with an experience is not at the mercy of a man with an opinion some of you are having that experience right now i'm really sorry you're hurting and i'm sorry you're scared but the good news is in all that manure stuff will grow that's right and a friend of mine he's a rancher in west texas and we were he sent me an article once about parents in Great Britain and the UK giving their kids iPads and they were two years old and they said, I didn't want my kid to be the only one. And so him and I started saying that back and forth, just be the only one. And if you find yourself thinking, well, everyone else has credit cards and that's the way the normal, I'm going to

be the only one, right? If everyone else treats their wife this way, I'm going to be the only one who doesn't do that, right? And suddenly, excuse me, over a period of time, people will start to say, why are you calm when things are going bananas? Why do you and your wife have such a great marriage? Why do your kids act this way in restaurants when mine don't? And suddenly you realize, oh, because you're the only one that acts like that. And then people around you start to change the way they live too. My kid wasn't raised by screens.

There you go. And my bank account's not empty. That's right. Because I'm YOLO. That's it. You know, it's just Dave Ramsey's ridiculous. You know, the stuff we teach is antiquated. It doesn't make sense in the real world.

And then not as in I told you so, but just as just to say guys the stuff we teach works in good times and the stuff we teach works in bad times that's because it's what's known as the truth that's right and fear tells you what you really believe right like i'm scared of um i'm scared of not having enough or i i'm i'm a kind person i'm a i'm a giving person i'm a joyful person i follow all the rules. Now you can find out. You've been talking about Dave-ish. We can find out right now. When you're scared, what do you really believe?

Who are you? Are you still kind? Are you still tithing? Are you still giving? Are you still joyful? You get to find out right now when you're scared. Stress test. That's right.

Your character, your stress test, you're stupid. Stupid comes up lacking. That's right. And what Buffett said, when the tide goes out, you can tell who's skinny dipping. That's exactly right. That's it. That's what you're facing. So yes, you include your property taxes and your stuff in your emergency fund. And yes,

having a rainy day fund is good regardless of what type of rain comes. And it's hard to predict all the different types of rain that can come. All right, Rochelle is with us in Washington. Hi, Rochelle, your question for Dr. D and me. Hi, yeah, I am wondering, I just am a retired teacher

and called my retirement fund on Friday to find that I'd lost $90,000. My husband and I have no debt other than our house. You lost how much? I'm wondering if I should, we owe $170,000 on our house. You owe $170,000 on your house and you called your retirement fund and what? I lost $90,000 in my retirement. How much was in there? Over $300,000. Okay and what's it invested in? You know, it's, I don't know. I have self-invested in, like, U.S. stocks and, you know, other stocks. I switched over right away to the Washington State Investment Board.

But, yeah, that's my question. When did you do that? I did that on Friday. Oh, so you made sure you lost the money. Well, no, I switched over to the Washington State Investment Board. I was self-investing. I know. That means you locked in your losses.

Because, you know, what you've done is you've ensured that you're losing the money if you don't put it back over where it was. So, number one, you should not invest in something that you don't understand, and you couldn't even tell me what it was in. And that brings extra fear, and it causes you to jump in and out because you don't even know what you're in so you need to get comfortable with what you're in you probably can't tell me what's in the washington state investment i can't tell you because i don't know i had either i had that that choice washington state of the order so you just. You jumped out, but you don't even know.

You've got to know what the stuff's in, or that's how you make mistakes. I mean, I could tell you because I had it printed out to different places that I had it invested in. You have $200,000 in there. You need to know what it is enough to be able to tell me off the top of your head, not off a printed sheet. You need to know. I would have told you to stay in what you were in as long as it had been performing well up until this mess because i think that by this time next year or sooner it will be right back where it was i don't think you lost the money until you took it out now you've locked in your losses by selling at the bottom so you may want to consider

moving back in while it's still down and ride the wave back up rather than just riding it down. I have not sold a dime of my stock market investments, not one. They're all still sitting there. So I've not lost any money yet. This is the Dave Ramsey Show. Let me tell you a story about two families that are very much alike in a lot of ways. Both families have two working parents and a couple of young kids. Each has debt and a struggle to make ends meet. But they're starting to make headway with their budgets and smarter decisions with money. They have dreams and plans, and the only real difference is that one family has the right amount of term life insurance and the other doesn't.

Big difference. If one of the parents die, and that does happen, their well-being would be destroyed. Paying for the mortgage, utilities, food, and other bills would be impossible, let alone saving for education or retirement. That's why every day I talk relentlessly about getting term life insurance. Just go to ZanderInsurance.com or call 800-356-4282 and see how inexpensive it really is. Be the family that takes those deliberate steps to be different and responsible. It really does make you the hero of your story, and it puts you on course for better things ahead.

Welcome to The Dave Ramsey Show, a special edition of the show where we're just talking to you about calming down, being nice to each other. Some of you out of your fear are being really nasty to other people because you don't agree with their decision or something. That's just got to stop. You need to mind your own and stay in your boundaries. And the best guy to help you do that is our buddy Dr. Henry Cloud, joining Dr. John Deloney and I, answering your questions and talking about what's going on in the culture. Hey, Henry, how are you?

Dave, doing well. How are you? We're holed up here with my daughter's home from school, and it's a different time. Yeah. You're stuck in L.A. where you live. We're in Tennessee, so ha-ha on that one. Yeah, where there's a first time in the history of man, no traffic in Los Angeles, right? You can go anywhere you want to right now.

You can shoot a cannonball down the 405, I think. Wow. That's got to be amazing. Oh, man. How are you, Dr. Cloud? Y'all doing all right? We are doing well. Well, you know, it's obviously it's a crazy and a very hard time.

But there are some things, and, you know, we'll be talking about this, but there are some things that people can actually do that will change the psychology of this. You know, the events are what they are. But just like an immune system, you know, this virus hits some people differently than it hits others because they have underlying conditions or a stronger immune system and all illnesses like that. You know, when you have storms or earthquakes, depends on how strong the building is. And when we go through crises like this, it really does depend on the architecture of our personhood. And there are some things that you can do to strengthen the immune system of your personhood. Like what? Well, first of all, I think you've got to understand, you know,

what a crisis like this does to us. You know, people are designed to, you know, just like a house, you've got a foundation, you've got the frame, the framing, and then you've got the roof, and you have all these architectural pieces that hold it together. Well, a person is like that. The foundation of who we are is our relational connectedness, you know, how deeply connected we are to a really, really good support system. That's the foundation. And then you've got the structure of the house.

And, you know, what holds it together? The structure of our lives are our routines and how we operate. And every day we can expect, you know, a certain it together? The structure of our lives or our routines and how we operate every day. We can expect, you know, a certain amount of sameness to the day. That calms us down. The third thing is how much control you have. You know, when you get up in the morning and you have choices and you can have control of your day and where you go and when you buy your food and all that kind of stuff,

it calms your system down. Well, right now, you now, you take those three. We're not connected as much to the people we normally see in our support system. Even my small group, I don't get to see the closest people other than my family. And then a lot of people we're connected to at work. Secondly, our routines and structure have gone out the window, and a lot of people are really living structureless days. And thirdly, we're not having control of this, and so people have lost control.

And those are just the main three, and what I want to do is talk about some things you can do about those, because there are a lot of things you can do. And what we see with people that do the things that we're talking about here is the anxiety and fear goes way, way, way, way, way down and their resiliency and the answers that they're able to come up with goes way up. Yeah. Cause they're not panicked and no one makes good decisions. They're panicking. Dave, you're exactly right. You know, when I was on hold, I was listening to, to the ad about, you know, just the structure that you do. When you give an app to give somebody a budget and you had some little line in there, it was tremendous. It says, you know, a lot of people feel like a budget takes away your freedom when it actually increases freedom. Well, that's what happens when we're getting, you know, some sense of control when we're going through this thing and doing the things that we can do.

You actually, your brain calms down. And like you said, the brain is secreting cortisol and adrenaline and a bunch of stress hormones that are designed to shut down your ability to think. And so people just stay in there in this loop, and so that's what we have to interrupt. Yeah, we've got to break through that. And the interesting thing is you can interrupt it just as an act of your will. Dr. Henry Cloud joins us right now for a couple segments with Dr. John Deloney here. And just talking through kind of how to manage our emotions and the ability to have,

I heard you talk about it a hundred times over our 30-year friendship uh self-control uh it becomes an act of will to overrule uh irrational behavior irrational reactions panicked reactions to a real threat yeah you know david i remember one time when olivia my oldest daughter was in about the sixth grade or so she she had been worried about something. And she, you know, we put her to bed and I hear this with daddy and I go in there. She says, I can't sleep. What do I think about? I can't sleep. I said, Olivia count sheep. Okay. Well, how do you do that? I said, well, you know, they jump over the fence and you just keep counting them.

And I'll see you tomorrow. Don't stop counting them. And so about five minutes later i hear this daddy and i run in there and she goes my sheep keep crashing into the fence i said olivia they're your sheep you have control of this stop so so dave i mean what what you know we talk about the act of the will we're right and and at the same time we're wrong about one thing and that is we are right in that we have the ability to choose it's exactly what you're saying now Now, what you can't do, a lot of times when people have all these intrusive thoughts,

you know, there's all this crap flying through their head, and a lot of that really is not even thinking. That's automatic thoughts that are coming from your nervous system because it's panicked. You can't, you know, it's like the old, remember when the Baptists used to say, well, you can't stop a bird from flying across your head, but you don't have to grab it and let it make a nest. Well, that's exactly right. And the best science that we have has proven that a lot of these automatic thoughts that are going through your head are not thoughts at all. There's a difference between your brain and your mind. And what Dave is talking about is you got to get in control of your mind because the mind is what you can focus attention to, what you're going to pay

attention to. And when this noise is going on in your head, what you do is you don't engage it. You don't ruminate on that stuff. You choose to focus and get connected and involved in something different. And there are some very good things that need your attention right now. If you give it to them instead of by an act of the will, like they said, instead of, you know, taking your will and ability to choose and ruminating and grabbing all this stuff and working yourself up into a frenzy. And so it's really, really important.

And we can talk about what some of those those choices are but you are in control of the sheep more than you think you are yeah we used to tell our kids they'd say he made me mad and i said no he didn't make anything you decided to be mad as a reaction to the injustice of what he did. But he didn't make you mad. Hey, Dr. Cloud, I am an introvert. Wait, wait, wait. I've got to say, John, I've got to say one thing about that. And then years later, Dave taught a bunch of people.

They'd say, that credit card made me go in debt. No, it didn't. No, it didn't. You swiped it, Bubba. All right, hold didn't. No, it didn't. You swiped it, Bubba. All right. Hold that thought. We'll be back right back with Henry Cloud after this break. Dr. John Deloney, Dr. Henry Cloud with us.

He'll stay with us one more segment. That's solid stuff right there. In times of trouble, you need to know how to deal with trouble. That's right. And that's what Dr. D and Dr. Cloud are here for. I'm also here to answer your financial questions in times of trouble. And, oh, by the way, trouble always means opportunity for some, so some of you might be on that side of the fence.

It means your sheep got across. Ah! Right back on The Dave Ramsey. joining me today on the dave ramsey show newly minted ramsey personality dr john deloney and this half hour our good friend dr henry cloud author of the best-selling book one of my faves of all time boundaries some of you need to respect other people's boundaries right now you're uh scared and you've decided to manage everybody people's boundaries right now you're scared and you've decided to manage everybody else's business because you don't like what they're doing well manage yourself it's a full-time job Henry joins us this half hour be kind be kind be kind Henry

what is this thing John and I've been talking about it over the last hour and a half or so and answering questions about it too. What is this thing that I kind of get it. It's almost juvenile or primitive, I think. But this thing of people losing, people who are normally kind or reasonably controlled, when they reach a certain level of fear are meaner than snot yeah well um in one i mean a lot of people say well it's kind of human nature right but it's it's a little more than that as well you know everybody's heard the phrase fight or flight yeah and that's actually a uh you know it's a chemical thing that takes over to the degree that somebody feels threatened.

And so what when people start to feel threatened, if you think of fight, flight and the other one is freeze, you know, the brain actually does go into that state where they're either going to start pushing against people. That's what you're calling, you know, that's what you're seeing, in terms of people being really, really mean. They're just going into fight or flight. Now, the other side of that, though, Dave, is that, you know, we're not just victims of our biology. That's just crazy. You know, our biology kicks in in a direct relationship a lot of times, most times,

except things like PTSD or other conditions. But in a normal person, our biology is going to kick in in relation to our character and our spiritual formation and our development of how much resiliency and character and courage and connectedness and all those things we have as a person. And so if you, you know, I remember one time I had a brother-in-law who was a Navy seal and we were at a party one day and, and some guy idiot didn't know that he was a seal. He picked a fight with him and he threw a punch at him. And Mark just basically took him down very quietly, but in like one move, took him down, put his head on the pavement, and put his foot on top of his head, and says,

now, can you go back into that party and behave yourself and act like a gentleman? Justice. And the guy goes uh yes sir you know but but the point is you know he got swung at mark got swung at but he wasn't threatened because he had strong abilities and strong character and strong competencies he could have taken the guy out and so when we see people getting reactive you know one of my favorite verses in the Bible, and this is one of the greatest strength building verses there is, it says, don't be overcome by evil, but overcome evil with good. So when bad things are happening or people are mean to us, don't let that bring you down to its level but let that be a call for you to go two steps up

and grab them and pull them up with kindness like you're saying that'll do the most to calm people down than anything yeah generosity gratitude kindness these are these are uh uh virtues we call them that come out of a strong character i think it's a little bothersome to me on a macro level that that you know our spiritual walk our faith and our connected connectivity uh relationally is so weak between those two things as a culture that it's caused this to go to from reasonable concern to fear all the way into hysteria as fast as it has. And I think it's a spiritual disease and a lack of connectedness. You can't fix this with your iPhone and your selfie.

And you've got no rooted system in your faith walk, and so you go from something that is reasonably concerning all the way into complete hysteria as a culture. Yeah, and we see that, and we see what people are getting mean. You see these awful things that go through social media, people getting into fights over a roll of toilet paper and all of this. But Dave, I got to tell you one good thing, and I want people to look for these because they're out there as well. And they serve as models and inspirations.

There are a lot of really good people who are reaching out to their neighbors right now and a lot of companies that are reaching out. I've got a client company, for example, that I was on the phone with this morning and what they're doing for their employees right now is all of their focus is trying to help them. I, you know, I see the people in the neighborhoods around here. So, so look around and you're going to see some really, really lame people out there, but you're going to see some good people too. And drift towards how they're behaving and let that be a model to all of us.

Yeah, and let that be, I guess, our encouragement over the people that are out of control. So, Henry, if they need more information on what you guys are doing, it's boundaries.com, boundaries.me. No, go to boundaries.me, and also, Dave, I did a podcast, a free podcast, if you go on iTunes or wherever you get your podcasts, and go to boundaries.me podcast, and I just put one up on Friday about the psychology and how to cope with this. And it goes into the specifics. You need more connection, but you need a certain kind.

You need more structure. Don't have white space every day. Get a routine on doing the right things and stop watching the news 24 seven. You need a few times, but don't have perpetual PTSD in front of a TV screen all day. What are you doing? Go read a good book. Take an online course.

Do a budget. Get some control over some stuff you can do. Be safe. And there's a bunch of stuff on there. So I want people to go to boundaries.me podcast. Got it. Henry, thanks for joining us, my friend. It's good to talk to you.

It's always good to be with y'all. Thanks for encouraging everybody down the best path possible best path possible you got it dr henry cloud oh good friend of the family here uh hey our guys have been working all morning i was in a leadership meeting all morning before i got in here we're running on a skeleton crew everybody's working from home and so we've got just a handful of people in here a small part of what we do at ramsey is broadcast and so our thousand folks are working from home right now. But we've put together a website for you where we are virtually giving away a ton of our stuff to help you through this crisis. So here's the deal. Go to

DaveRamsey.com slash hope, and you're going to see some unbelievably good deals. Here they are. The Total Money Makeover Audiobook for $1.99. The Proximity Principle if you've lost your job and you need some income, $1.99 for the audiobook. You can download it. It's digital. You put it on your phone, listen to it while you're at home. You want to teach the kids while you're at home and you're homeschooling? We're going to give you our Found in personal finance home study edition normally a hundred dollars during this 14 day period it's

twenty dollars that's unbelievable of course every dollar the free budgeting tool is there download that and use that there is all kinds of other stuff going on at this website and you just do not want to miss this Dave Ramsey dot com we're going to put all kinds of other stuff going on at this website and you just do not want to miss this DaveRamsey.com we're going to put all kinds of things up this week these are just the first things we did $1.99 for the audio book on proximity principle uh smart tax if you want to do your taxes only $17 foundations in personal finance high school study oh oh get this you want to help a whole bunch of people out we're going to to sell Total Money Makeover books, the cheapest we've ever sold them in our history. $8 a book for a case.

You want to buy a case of 24 and give them out to friends, family that are struggling, that are scared? Maybe this is their wake-up call and they want to get their emergency fund. Maybe they lost their job. We want to help you help them. A 24-pack of the Total Money Makeover makeover eight dollars a book all of this stuff is wrecked this is only for 14 days basically most people are shut down for 14 days right now the president has said it our local governor has said it and so this is to help you guys and you will not see deals like this and never seen them before this is to help you guys and serve you in

this crisis. More stuff coming on that page tomorrow and the next day and the next day. We're going to add more stuff. That's the most stuff we could get up this morning. So check it out, DaveRamsey.com slash hope. Dr. John Deloney, thanks for joining me this hour. Thank you for having me. Good stuff. This is the Dave Ramsey Show.

This is James Childs, producer of the Dave Ramsey Show. You can listen to Dave anywhere with the Dave Ramsey Show app on your smartphone. Catch the full show, browse by topic, or send clips to your friends. Head to the app store and download the Dave Ramsey Show app on your smartphone. Catch the full show, browse by topic, or send clips to your friends. Head to the app store and download the Dave Ramsey Show app today.