The Ramsey Show - App - The Path to Your Dream Retirement (Hour 3)

Episode Date: August 7, 2018

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Live from the headquarters of Ramsey Solutions, this is the Dave Ramsey Show, where your money and your life are the focus. I'm Chris Hogan, sitting in for Dave, and I'm excited to be with you. Because what we're going to do is focus this hour on everyday millionaires. That's right. We're going to have an Everyday Millionaire Hour. So if you are a net worth millionaire, if you have a million dollar net worth or more, we want to hear from you.

So please give us a call. The number to call is 888-825-5225. Again, that's 888-825-5225. Now, let me define net worth millionaire. It doesn't mean that you make a million dollars. You don't have to have an income of a million dollars. That's not what that means. I want you to look at all your assets that you own and subtract out what you owe. And if that end number puts you over a million dollars, then I definitely want to hear from you. Now, I don't care how you got the million, okay?

You could have invented something. You could have invested a certain way. It just matters that you've arrived there. I'd love to hear from you if you are an everyday millionaire. Again, the number to call is 888-825-5225. Now, I know you're out there because I'm bumping into you everyday millionaires as I travel. I bumped into someone in the airport in Seattle just a couple of weeks ago. Prior to that, I was in L.A. and bumped into one at a rental car place.

So I know you're out there and I know you're listening. I'd love to hear from you because hardworking people that have stayed focused, they understand their goal and what it is they're trying to accomplish. It's not an accident. And I want people out there to hear me. America, the dream is still available. The American dream is available. And contrary to what you hear on the news, I want you to understand it's available and you can still do it.

So we're so excited. And this is a special Everyday Millionaire theme hour because today is the day that we have launched pre-sale of my newest book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth and How You Can Too. And so we're going to jump on the phone lines and I want to be able to talk to these everyday millionaires and I want to find out what they did and how they did it. First up, I've got Larry. Larry on the line. How are you, sir? Hi, Chris. This is Larry, I've got Larry. Larry on the line. How are you, sir? Hi, Chris. This is Larry, my wife's dad. Well, good to meet you. Hello there.

Hello. Well, I'm excited. Thank you all for taking the time to call in. Tell me, what's your net worth? Actually, just a little south of $2 million, not by much. If you include personal possessions, it's well over that. Okay. We don't want the personal possessions part of the network.

All right. All right. And tell me this. So what is the mix of that 1.9? Okay. About 40% is in low-cost index funds and equities and bonds. Mm-hmm. About 40% each in real estate

and CDs, which I treat as a cash reserve. Okay. And where's the other 20%? Well, 40% in bonds and equities and then 30% in real estate and

30% in CDs. Okay. Gotcha. Gotcha. Okay. And tell me this. Are you all working with an investment professional? We have an advisor via Vanguard. Okay. We don't work one-on-one, but he's there if we have questions. Okay. And tell me this.

Your income. Tell me your worst income year and your best income year. Well, we've been pretty lucky. We haven't had any real downs. We started out in the late 70s. Both of us probably combined around $25,000 and then current dollars. Okay. And we finished up right around $165,000 to $170,000 annually.

So we never had any real serious dips. Okay. All right. And did you inherit any money? Yeah, about 45% of that 2 mil was inherited here in the last few years, but we were to the $1 million mark on our own before that. Okay. Gotcha, gotcha.

And what are your ages? I'm 65. And I'm 65 i could hear him looking at you to see if he was allowed to say anything so that's a well-trained husband the only the only good thing is that you're paying into our um medicare and um social security so we're getting some of your money. Okay, so what were you all's careers when you were working? Okay, I followed the scientific engineering path. Okay. I graduated with a degree in education, K through 8.

Okay. I spent a couple years teaching, but the majority of years um working has been spent in human resources gotcha gotcha and both of you do you both have college degrees yes yes okay and do you recall your gpas well chris um i hate to say it um um yes i do my undergraduate was uh 2.65 because my two first two years i was a jock. And then I got serious in the last two years and I ended up with a 3.75 in my major. All right. All right.

And what about you, ma'am? My GPA was 3.3. 3.3. And I was not a jock. Okay. Do you all, as a household, do you all do any giving? Yes. Okay. The majority of, during our working careers, we were involved in several different donations to organizations through our employment and then personally.

But since our retirement, we are supporting some underprivileged children's efforts, and we also have money going towards animals, whether it be a rescue and adoption center. Wow. And then we volunteer as well. But because of some unknowns regarding health care and inflation and extended care situation, not because of anything we know now, but we just don't know what the future might bring health-wise, we have to keep that in mind future might bring health-wise.

We have to keep that in mind as well. That is correct. So what we're doing is 100% is now going to be going into a state trust to support family, education, under-credible age youth, animals, and I miss them. That's fantastic. As you all look at this, I'm curious, how much TV on average do you all watch a week? Chris, I have to say for me, because of my activities and volunteer commitments, I probably watch an hour of TV a day. Okay. All right.

And what about you, sir? I'll probably average an hour a day, but what I do is I don't sit and watch it. I'll have a baseball game or golf or financial news while I'm exercising or doing other things. Yeah. As you all look back on where you are, because it's not an accident that you've arrived here. You've been very, very focused. What advice would you all give to the 25-year-old you? Okay, I'll lead off on this.

I gave some thought to that. What we did, I'd love to tell you a really exciting entrepreneurial venture that we did. We got the farm and almost lost it, but ours was incredibly boring and simple. And what we did was every year, we probably averaged at least 15% doing dollar cost averaging into 401ks and IRAs and also building equity in houses. That is fantastic, Larry.

Thank you so much for taking the time to call in. This is the Dave Ramsey Show. Did you know, statistically, when it comes to life insurance and protecting your family, that women are more likely to be uninsured or underinsured than men? This doesn't make any sense. Women make up half the workforce, contribute mightily to family incomes, and in many cases are the breadwinners and take care of their families 24 hours a day. This is one of the most overlooked areas when it comes to financial planning.

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Hello, America. You are listening to The Dave Ramsey Show. I am Chris Hogan filling in for Dave. And we are having a special hour, an Everyday Millionaire theme hour, where we're talking to individuals all across the country that have walked through the process and they have achieved a net worth of a million dollars or more. Now, again, let me remind you, this does not mean that you have a million dollar income. No, it doesn't mean that you're making a million dollars a year. Not at all. This means you have a net worth.

What you owe minus what you own minus what you owe equals a million dollars. If so, we want to hear from you. Give us a call. The number to call is 888-825-5225. Again, that's 888-825-5225. Well, I'm going back to the phones because that's what we do. And I've got Shondell in Atlanta, Georgia. Shondell, how are you?

I'm good. How are you? I am focused and not finished. It's good to hear from you. So tell me, what's your net worth? It's just over $1.1 million. That is fantastic. And how is that broken down?

So about $700,000 in real estate. That includes our home that we live in, and we have a few rental properties. Okay. All paid for. And then about $300,000 in retirement and $125,000 in cash, vehicles, and mutual funds. All right. And are you working with an investment professional? I used to, but not right now.

Okay. All right. Used to. And tell me this. What was your best income year and what was your worst? Oh, I started working when I was 12, so probably a couple hundred dollars a month. Okay. All right.

The top would be $215,000. Gotcha, gotcha. And did you inherit any of this? I wish. You know, I'm not getting any money. I like you. That's right. Okay, so tell me your ages.

Pardon me? Your ages. I'm 38. My husband's 40. All right. And what's your career field? We're self-employed, actually. Ah, okay.

Very good. Both of you? Yes. Okay, all right. And did you all go to college? We did. We both have degrees. Okay.

And what was your degree in? Marketing. Marketing. A minor in HR. Okay. And what was your degree in? Marketing. Marketing. I'm a minor in HR. Okay. For both of you? No, my husband did, he's an electrical technician. Okay.

So that was his study. Gotcha. And do you all remember your GPAs? Mine was 3.2. He's a little smarter. His was probably 3.7. Okay. All right.

And do you all as a household do any giving? We do. We actually tithe at our church. Okay. Very good. And how much? What's that? No, I was just saying we also do some anonymous giving as well.

Okay. That is fun. That's good to hear. And on average, how much TV do you all watch per week? My husband doesn't really watch any TV. I probably watch maybe three hours. Okay. Four.

I don't watch a lot of television. Yeah. I mean, look at this. Do you all read? Are you readers? How many books a month do you read? Oh, yeah. I read about a book a week.

Oh, wow. So about four a month. My husband always reads. So he probably does maybe two a week. Okay. Wow. So big, big readers. When people, Shondell, you obviously, you know, you all are self-made, you're focused, you've done things. When people tell you that it's not possible to build wealth in America today, what do you say to that? I say it is, it's definitely possible. It's just, I mean, there's so many distractions,

so I can understand why people think that it is difficult. But once you set a plan and you just focus on it, I definitely don't think it's hard. One of the big things that we did and we continue to do, we don't live on more than 50% of our income, and we got out of debt really, really live on more than 50% of our income. And we got out of debt really, really early. So we have absolutely no debt.

So I think those are two really big contributing factors to us building wealth earlier than later. So, I mean, it's definitely possible. I mean, if I can do it, I'm just the average person. If I can do it, anyone else can do it. That is fantastic. Well, listen, congratulations and thank you all for calling in. Again, Shondell hits the nail on the head. Getting out of debt early, being clear, but she's also, her and her husband are living

on less than they make. So now it's a matter of staying in control. Absolutely love it. Congratulations, you all, and thank you for calling in. I'm going to stay on the phones here. I've got Darren up in Boulder, Colorado. Darren, how are you? Good, Chris. How are you doing? I'm honored to stay on the phones here. I've got Darren up in Boulder, Colorado. Darren, how are you? Good, Chris.

How are you doing? I'm honored to speak with you. Yes, I'm focused and not finished, my friend. So tell me, what is your net worth? So I'm a relatively new member of the Everyday Millionaire Club. My wife and I crossed that threshold probably late last year, and right now our net worth is right around $1.1 million. Fantastic, fantastic.

And what does that consist of? Break that down for me. So the bulk of it is in my retirement accounts. I have a 401K, a couple of Roth IRAs, and a rollover IRA. Those total about $630,000. Then my house, that's worth about $520,000, and then I have another $50,000 in savings, mostly my emergency fund. Very good.

And are you working with an investment professional at all? No, I haven't been. To the point now I have enough net worth that I think it'd probably be worth it. And I've been interviewing a few recently, but I haven't decided on one. So until now, I haven't been. All right. And what was your worst income year and your best income year as a household? So I got married while I was still going to school. And I think that first year, you know, we were making probably $20,000 or less.

And my best income year is probably around $170,000. Okay. Very good. And did you inherit any of the money? Nope. Not at all. Okay. All right. And what are your ages? So I am 45, and my wife is 43. Okay. And what is your careers? So I'm an electrical engineer. I work for a computer software company and my wife, she has a hard job. She stays at home and raises the kids. She's a domestic engineer. Exactly. All right. And, uh, uh did do you all have did you go to college do you have degrees i did so i've got a master's degree in electrical engineering um my wife

she didn't get a degree okay and do you remember your gpa you know i think you're the first person to ask me that since my first time out of college so i had to go look it up but uh it was about a 3.3, my undergraduate degree. All right. And do you all do any giving as a household? Yeah, we do tie it to our church and offerings. Now, I am still working the baby steps a little bit. I do have a little bit of a mortgage left over, so I'm focusing on that. And my goal is after hammering that out and get to baby step seven, I hope to really be

able to build wealth and give generously so that's one of my goals very good very good sir and how much tv on average do you all watch a week uh not much i occasionally sit down and watch the news a little bit every once in a while we have a family movie night but i'm guessing me i might watch you know three hours a week or something like that. Very good. And looking back on it, Darren, I mean, obviously you're very focused on what you're doing. What advice would you give to the 25-year-old you? Well, I didn't really start down this path, and I felt like I got a late start.

I did some dumb things. Actually, after I got out of school, I did some dumb things. I actually, you know, after I got out of school, I bought a new car. I had my first job and my first real paycheck. And, you know, I don't regret necessarily buying that because it really taught me a lesson. I was probably too stubborn to learn any other way. You know, I got fed up of being broke and living paycheck to paycheck. So I paid that off and vowed never to have a car payment again. But if I could go back and tell myself not to buy that new truck, I'd probably do that.

It's a lot less painful to learn from someone else's mistakes than it is to make those mistakes yourself. So that, and then the other thing is just, man, get started early. Like I said, I really didn't start on this path until maybe I was 35. If I would have started 10 years earlier, I often think where I'd be today if I didn't put it off. So get started early and just focus. You're absolutely right, Darren. Thank you so much for taking the time to call in.

Again, talking to an everyday millionaire out of Colorado. But his piece of advice is great wisdom. That if he could go back, he wished he would have gotten started earlier and he wished he would have avoided some car mistakes, making the decision and going after a new car. Again, hindsight is always 20-20, my friends. We want to be crystal clear.

Know where you are, but be crystal clear on where you're going. This is The Dave Ramsey Show. Okay, I need you to listen to this, because one normal routine that everyone does can cause total chaos in your life. Folks, I'm talking about the simple act of using Wi-Fi. When you're on Wi-Fi anywhere in public or at home, you're at risk of hackers easily seeing every site you visit and search you're doing online. It doesn't matter if you're doing it on your cell phone or your laptop.

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You can be secure in seconds. Download Hotspot Shield today. Hello, America. You are listening to The Dave Ramsey Show. I am Chris Hogan filling in for Dave. We've been talking about everyday millionaire theme hours, talking to them. And we're going to go back to the phones and talk to them some more. We've got callers waiting.

If you are an everyday millionaire, I want to hear from you. Give us a call at 888-825-5225. But I want to tell you about something exciting. We launched today the pre-sale of my second book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth and How You Can Too. And so we're very, very excited about this. And for $20, you can get the pre-sale of the book, but you also get $50 worth of bonus materials. And with that, I mean, you're going to get the audio book.

You're going to get the e-book. You're going to get a video lesson from me telling you how to retire inspired. You're also going to get a video lesson from Dave talking about it's okay to be wealthy. So that's an opportunity. But let me tell you about a bundle that we're doing. This is an opportunity for you to be able to get Dave's number one program, Financial Peace University. Now, you've got an opportunity to do something unprecedented, to be able to get Financial

Peace University, that program, and my book for only $129. Now, again, unprecedented. Great opportunity for you to be able to start your millionaire journey for $129. And so all you have to do is go to ChrisHogan360.com or go to DaveRamsey.com to be able to get this bundle today. Now, again, keep in mind, for the $129, you're getting the Financial Peace University program. You're getting my book plus the $50 worth of bonus materials. Again, great opportunity for you to not only get started and know what you're doing,

but to be focused and have a plan on how to get there. Again, that's the option, and that's a great opportunity for you out there listening. Again, you pre-order the book. Pre-order it today. Get it situated. The book will arrive in January when we release it, and it's a great opportunity. So, again, get started. I'm going back to the phones, talking to Everyday Millionaires.

I've got Tina on the line from New Hampshire. Tina, how are you? Hi, I'm good, Chris. Thank you. Yes, yes. So tell me, what is your net worth? Our net worth is just over 1.5. Fantastic. And how's that broken out? That's broken out. We own our home and two investment properties. So that's valued about 1.1, and then we owe 400. Okay. So we have a net there of about 700. All right.

And have you ever worked with an investment professional? Yes. I'm actually working with Smart Investor Pro right now. Okay. Very good. On your website. Yes. And as a household, tell me your worst income year and your best income year.

Our worst income year was when we first got married. My husband and I made less than $7,500 combined. Oh, in a year? In a year. Oh, wow. Yeah, he worked in ministry. Okay. And they paid you what you needed, and we didn't need a lot.

Right. And they paid you what you needed, and we didn't need a lot. So he made about $3,500 that year, and I made about $4,000. Wow. That was in 1983. Okay. All right. And what was your best income year as a household? The best income year was last year. We made just over $200.

Okay. Very good. And did you all inherit any200,000. Okay, very good. And did you all inherit any money? No. Okay. Our parents, when we bought our first home in 1996, we saved enough to buy the home, and then my parents gave us $20,000 as kind of a surprise. So we were able to put that as a down payment and avoid PMI.

So 1996 was really when we started our wealth. And it took that magical 17 years. I think, is it you that talk about that 17 years to become a millionaire? Yes. That's exactly what it took. Wow. Okay. That is great to hear.

And tell me your ages. I'm 59. My husband's 62. Okay. And what career? So is your husband still in ministry or has he changed? He is now, no, he, in 96, he got a secular job. And that first year he made $60,000.

And so really that was the beginning of our wealth. Yeah. What career field was he in? He's a regional director. He just manages people all day. Gotcha. And what is your career field? My career, I actually was a stay-at-home mom for all those years,

and then I started to prepare tax returns about 20 years ago. So I just make about $20,000 during the tax season. And we've never relied on my income, so we don't live on my income. That all goes into savings. And then at the end of the tax season, if we need a new car, we use that money. If we need to, if we want another down payment for an investment property or something, we use that. My husband gets paid bonus money. So he only takes home about $6,000 a month. So that's really what we live on. And we've done that for many, many, many years. And then the extra money is bonus money, or it's my income, or it's restricted stock that came vested. Okay, very good.

Now, did you all go to college? Do you have degrees? My husband's degree is in theology. He's got his master's in theology, and I do not have a college education. Okay, and do you remember what his GPA was or could have been? It was right up there, around 4.0, right at the top. Very good. And do you all do any giving as a household?

Oh, yeah. Oh, yeah. Yep. All right. Our goal is 10%, and then some. It depends where the need is the greatest. Okay, very good. And looking at this, when you hear people talking about it's impossible to build wealth in America today,

when you hear that, what do you think? Oh, it's absolutely possible to build wealth. And my kids will tell you, we have the flushy years, and those are the years when we couldn't even afford to get our kids flushies. And so if they hear the word flushy, that's what comes to mind to them. Mom and Dad couldn't afford flushies. And then once we started to be able to build that wealth, those became the cheesy years because whenever my husband got a bonus, he would give the kids a piece of that bonus. Tina, listen, are you saying slushies?

Slushie, like the kind you get at the convenience store? Yes, ma'am. Okay, all right. Yeah, we couldn't afford. They were about $1.50, and we just couldn't afford two slushies. No, no, no. I get it. It was out of the budget.

It was one of those things you couldn't afford to do. Could not afford it. Yes, but you've done it. Thank you so much for taking the time to call in, Tina. I have to tell you all, I didn't know what she was saying. I thought it was maybe slushies, but then I thought it was some other word. I didn't know. So anyway, Tina, thank you for calling in.

It's fantastic what you and your husband have accomplished working together, being very, very focused. And I love to hear these stories because, again, it's not an accident. It's people that have been focused and zeroed in, and they've chased down what they're looking for. Next up, I've got Wyatt calling in from Redding, California. Wyatt, how are you? Good. How are you? Oh, I'm focused and not finished, my friend. Excited to talk with you. Tell me, what is your net worth? About $1.7 million. $1.7 million. And how is that broken down? I would say it's mostly real estate. Our main home, and then we purchased smaller rentals and used those, and then taken the payments from those, saved them, and then bought another one

and compiled those over a period of about 15 years. Okay. All right. And have you all ever worked with an investment professional? I have slightly. We have two pension funds also that are about $200,000 combined. We both work for the government.

I retired with a pension and my wife is still retired about a year and a half. Alright. Hey, listen. I'm going to ask you to hold on the line because I'm going to come back and talk to you after the break because I want to know about this real estate stuff. What has he done? Rent net worth of 1.7?

I want to know how he did it, what he walked through. So stay tuned. You're listening to The Dave Ramsey Show. Guys, let's talk about that timeshare pitch that you fell for. They promised you exclusive access to travel anywhere you want. Tropical beaches, mountain getaways, or whatever. Oh, my gosh. They claimed it was the affordable way to travel, and then they convinced you it was a good investment.

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We're having an Everyday Millionaire Steam Hour. And I was on the phone with Wyatt. Before we stopped for the break and we were talking, he's worked at a net worth of $1.7 million, focused in real estate. He has worked with an investment professional. And, Wyatt, I'm just curious. What was your worst income year and your best income year? Probably my worst income year was probably about $45,000.

Okay. And my best would have been about $185,000. Fantastic. Did you inherit any of this money? I inherited between about $250,000. Okay. And how long ago did you get that? Oh, probably the last three to four years.

Okay. All right. So you were married prior to that. What is your age? I'm 60. I'm 62. My wife is 53. All right.

And what are the careers you all have worked, or your primary career? My primary career, I went back to college when I was 40. Got tired of working at the hard labor and became a building inspector, a building official. Okay. I've got an A.S. degree. Okay. And what about your wife? My wife's got two AA degrees in business and finances. She works for the state as an auditor.

Okay. Gotcha. And do you remember your GPA, Wyatt? My GPA was about 3.8. Okay. And what about your wife? I'm not sure, but knowing her, it was about a four. Okay. And what about your wife? I'm not sure, but knowing her, it was about a 4. Okay.

All right. And do you all do any giving as a household? Yes. We do most of our giving as mostly private events or personal contact people that are in need. Okay. And how much TV on average do you all watch in a given week? Probably, I'm thinking, 8 to 10 hours a week. Okay.

And do you all... Okay, good, good. And how many books do you all read a month? Oh, I probably read a book. I probably only read about three books a year. Okay. Okay. All right. Mostly all nonfiction, though.

All right. And what about your wife? Is she a reader? No, she's not. Okay. Very good. A lot of magazine artists. Very good.

Wyatt, thank you so much for taking the time to call. Again, talking to everyday millionaires, my friends. They're out there. They're around you all over the place. People that have been focused and have done things steadily and consistently over time. I'm going to go to Green Bay this time and talk to Larry. Larry, how are you? I'm good.

Very good. Tell me your net worth. About 1.1. 1.1. And what is that? How is that broken out? I've got about $800,000 in retirement. About $36,000 in stock.

Get some pension. Two and a quarter for the house. And just miscellad me of stuff. Very good. Have you ever worked with an investment professional? You know, not actually, but, you know, I get lots of advice from lots of different people, and I try to mix it together. Very good. And tell me this.

What was your worst income year and your best income year? Well, going lifetime, I started out at like $16,000. Okay. So, best year was several years ago, about $139,000. Okay. Very good. And did you inherit any money? Yes.

About three or four years ago, about $75,000. Okay. All right. And what is your age, sir? 53. 53 years young. And what career field are you in? IT.

IT. And did you go to college? Yep. Bachelor's in computer science. Okay, and what was, do you recall your GPA? About 3.0. All right, and do you all do any giving as a household? Yeah, we try to, you know, revisit our giving each and every year and ramp it up. So we've been very successful at that. to revisit our giving each and every year and ramp it up.

We've been very successful at that. It's funny, the farther along you, the more you enjoy giving. That is so very true. How many hours of TV on average do you all watch a week? It's probably in the 8 to 10 range, but we were very specific as far as what we watch we we just don't flip the channels we we watch shows we don't just watch tv right right and that eight to ten hours is that counting green bay packer games well maybe a little bit more on weeks yeah i, I can imagine. Hey, thank you so much. Appreciate you calling in.

Again, ladies and gentlemen, we have spent time talking to everyday millionaires. And the reality is that walking through this process, we've been able to see some things. We've seen, you know, we've not had a massive income swing. Top end, low end, $7,500 a year, top end, 200,000. Again, a variety of ages from 38 up to 63. Had some people with degrees, some without. GPAs, 2.65 to a 4.0.

Everybody did giving. That's that's again, not a surprise. That's the reality. The TV fluctuation. So being able to see this and understanding that we've got people out there that have spent some time walking through the process, being very, very intentional and knowing what it is that they're trying to accomplish. And so I just want to remind all of you out there listening, it doesn't matter where you

come from. It doesn't matter about your income. This is all about the path that you're traveling and the thing that motivates you. Where are you going? And why does it matter that you arrive? When you start to make those decisions for yourself, you can make some changes. Now, listen, I am so grateful for everybody that's taking the time to call in. I want to thank all the callers without a doubt.

I want to thank you all for the opportunity to be with you to tell you about this brand new book that is definitely a project that we've been working on as a team with the research side of it, as well as the content side of the book. I think you're going to love the statistics as you thumb through it, being able to read it. And it really is just very eye-opening. The stories amaze me. Hearing the stories of people, where they've come from and where they're going, it just

motivates me and gets me excited. So again, I've been telling you about this, and I'm excited to tell you about it because the team has worked hard. Everyday Millionaire, How Ordinary People Built Extraordinary Wealth and How You Can Too is on pre-order right now. You can order a copy. Again, $20. You're going to get a copy of the book when it comes out in January. You're also going to get an e-book, an audio book.

I'm going to be reading it to you, right? And then you're going to get two video lessons. A lesson from me about retiring inspired, and then a lesson from Dave about wealth. Great opportunity. But don't forget, that's for the book. But we've also got another offer, an incredible bundle available to you. It includes Dave's number one program called Financial Peace University. And so for $129, you get Financial Peace University and my book plus the $50 of bonus items all together. Great opportunity to get jump-started and to get focused. So again, I want to thank you all

for taking the time to be with me. It's been a pleasure to talk with you. I want to thank Kelly Daniel, the phone screener and assistant producer, and James Childs, the producer, Bobby Robertson, my audio dude. And I want to thank all of you because walking through this process, we need to understand something. We all come from somewhere, but the big question is where are you going? Like we've all got some things to climb over. We've all had some life happen to us, but you're not done yet.

If you woke up with breath in your lungs, if you have breath breathing through your body, you've got an opportunity to make some changes. So I want you to think big. I want you to dream in high definition and I want you to work hard. It doesn't matter where you come from. It's about where you're going. So get focused, make some decisions this day about what you're willing to change. Why does it matter so much to you? And then watch what happens. Because I've been telling people for a long time, if you change your thinking, you can change your life. This is The Dave Ramsey Show. Thank you. Hey guys, this is Blake Thompson, Chief Production Officer for The Dave Ramsey Show.

Here's a tip. To keep from missing Dave's classic facial expressions to some of those calls, make sure you watch him live. Just visit DaveRamsey.com slash show each day from 2 to 5 p.m. Eastern. Enjoy. Are high health care costs getting you down? Are you confused trying to navigate your options? Do you wish you could find an affordable biblical solution to your health care costs? Based on New Testament principles, Christian Health Care Ministries, or CHM, helps Christian families, churches, and ministries join together as the body of Christ to share their major healthcare costs.

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