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Live from the headquarters of Ramsey Solutions, it's the Ramsey Show,
where we help people build wealth, do work that they love,
and create actual amazing relationships.
Ken Coleman, Ramsey personality, number one bestselling author of the book
Paycheck to Purpose, and host of the the Ken Coleman Show is my co-host today. As we answer your
questions about your life and your money, as a reminder, Ken's show is all about career
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and creative about. Yeah, so he can help you with all that too while we're here. Again,
phone number 888-825-5225.
James starts this hour in Canada.
Hi, James.
How are you?
I'm doing very well.
Better than I deserve.
How are you, Dave?
Better than I deserve, sir.
What's up?
This is an honor to talk to you.
I am such a fan of the show.
Well, I'm honored to talk to you.
How can we help?
I just have a quick question.
Me and my wife are planning to get out of debt as soon as possible.
And I just have a question that's been lingering on my mind.
I have some investments, about $5,000 Canadian in some ETFs.
And I'm just wondering if I should sell my investments to pay off debt.
Okay.
What kind of debt have you got?
I have a line of credit that's about $19,000.
We also have some credit card debt and a car loan as well.
How much do you owe on your credit cards?
My credit card itself is about thirteen thousand dollars okay so there's a there's an old rule that i've learned i've twisted it around a little bit
and used the rule because it's a decision making uh framework that's helped me a bunch it comes
from the harvard investment newsletter and um the guy in there says when you've made a bad when you made an
investment and let's say you bought a stock at a hundred dollars a share and it went down to
75 a share okay and so you're about to lose you know you're going to lose money if you sell it
while it's down but you really don't think it's ever going to come up it's not it's not it's a
crummy company it's probably going to go on down but you're waiting on it it's ever going to come up. It's not, it's a crummy company.
It's probably going to go on down,
but you're waiting on it to at least come back to where what you paid for it.
His point is what you paid for it doesn't matter.
All that matters is the future of the stock.
From $75, what's it going to do, go up or down?
And what he says is don't analyze it based on what you paid for it.
That's called a sunk cost analysis.
Now, that's an investment process.
Now, I flip that, and I use it in situations like yours
or other situations like I'm in as well.
Sometimes if you own something and you reverse engineer it,
it tells you what you should do instantly let me give it
to you in this way let's pretend you didn't have thirteen thousand dollars in credit card debt but
you had eight thousand dollars in credit card debt would you and you did not have a five thousand
dollar etf would you go buy in a borrow an additional five thousand on your credit cards
to invest into an etf Well, crud no.
No.
No.
I mean, we can answer that instantly, can't we?
That sounds stupid when you say it that way, doesn't it?
But all that is is the reverse of your question.
So if you would not borrow 5,000 more on your credit cards in order to buy an ETF,
we would instantly cash out the ETF to pay $5,000 down on the credit cards
because it's the same difference, just backwards.
Yeah, you know what?
When you say it like that, it's very obvious.
It's kind of like sometimes we get paralyzed by these decision-makings because we're stuck
in the moment rather than in the reverse.
You can do it with a boat.
If you've got a boat sitting in the driveway that's worth ten thousand dollars you go
if i had ten thousand dollars in the middle of my kitchen table would i go buy a boat just like that
if i didn't have that boat well crud no we didn't use the thing in five years i'm tired of it takes
up space i'm paying insurance on it i it's going down in value or we use it every weekend the kids
love that boat of course i would go buy that boat if i had ten
thousand dollars and i didn't have that boat well then you keep the boat then but if you go well no
i would never buy that boat again then it's way past time to sell that boat right you just reverse
engineering and it tells you what to do in these situations ken does it with a job don't you i mean
you could go and go i hate my job well if you didn't have this job today, would you take this job? Lord, no. Then why are you still working there? You know, it's like,
yeah, yeah. People say, should I stay or should I go? And I said, well, just the fact that you're
answering the question. Yeah. We need to go. Yeah. You wouldn't stay if I had a job waiting
for you today. So that's absolutely right. It's a great, great analogy. So that's how I'm going
to tell you. Um, and, and, but more importantly is the why or how the process we use to make the decision, James,
it tells us instantly with a little bit of reverse engineering.
Now, you know, that's why we tell people not to take money out of a retirement plan,
because there's a big penalty and a big tax in order to put the money into your credit card. It's going to hit you in
the states, it would hit you about 40% between penalties and taxes. So that's like saying,
Dave, would I borrow money at 40% interest to pay down on my debt? Well, crap, no, that's dumb.
We're not doing that. And so that's why we tell you not to cash out retirement, but yes,
to cash out the ETF.
Yeah, it makes a lot of sense.
And in this case, huge momentum coming out of this decision as well.
You know, I think, Ken, that the great resignation that we just came through after the Fauci
pandemic, everybody quit their jobs because they wanted to have a better life, was caused
a little bit by that.
But even the great regret by people wishing they didn't quit
their jobs uh is also caused by that isn't it it's all this it's all this it was more emotion
driven impulse driven than it was thinking okay i don't want to live this way that's exactly right
well we're trying to get the quick fix and the quick fix was i'm going to leave a company where
i'm valued and i actually enjoy the work and i'm going to go over here for a 15% raise.
Then they got there, and it wasn't what they thought, and the raise wore off.
The high.
You know, there's a decision like, ooh, I make a decision, and I get ahead quick.
You feel like you've gamed the system.
Then they're there for three months.
This place sucks, and that's what you call the great regret.
And by the way, what Dave's talking about, folks,
we're talking about millions of workers.
Millions.
Millions who said, I wish I had stayed at my previous company. This is not
like a little trend. This was a major wave of people. And again, we were trying to game the
system and get the quick fix. And you realize, oh, I would have been better off staying where I am.
I'd be happier, more fulfilled. And that affects my anxiety, depression, which affects my sleep,
my physical life, my relationship life with my wife, my kids.
If I'm dragging all that crap from work home with me and I didn't get that much of a behavior change.
And to this point, if you took a 15% raise to try to pay off credit card debt or to pay off, well, I can live more.
And you just kept spending.
And by the way, Dave, that's what we've seen right now in our economy.
We just got the latest reports out.
The GDP is up because the consumers in America are spending like Congress.
And credit card debt is going up with it.
And we've got to take control of our spending, take control of our habits, and getting out of debt, back to this call, and not just chasing the next big thing.
It's the discipline to say, I'm going to change my life, change the way I act,
and those are going to guide my decisions,
not the next big, quick fix
to feel like I just gained the system.
You've got to change who you are.
More money to get in a worse place
wears off in about 20 minutes.
Really fast.
Yeah, you get a career hangover from that one.
Yeah, and then you try to drown it out
with credit card debt.
Ouch.
Funny how that works.
Not James.
James is going to pay down his credit card debt.
James is a good man.
With an ETF.
This is The Ramsey Show.
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Jaden is in Portland, Oregon. Hi, Jaden. How are you? Pretty good, Dave. How are you doing?
Better than I deserve. What's up?
So my income has drastically increased in this last year,
and I'm trying to find out if I should buy a house soon with 3.5% down
or if I should wait and put down the 20%.
Okay. Tell me your story. What's happening?
So, well, I was just working regular jobs, I'm not making too much money a year. And
then I got offered a job where now I make 120 grand a year. I'm only 19 years old. Um, I was
living in my van, this job, I do have housing. Um, but I have a fiance at home who's still living
in the van with our pops. So that's why I'm kind of trying to figure out if I should put down three
and a half percent, get her out of the van, or if I should wait and put down 20%.
Okay.
So you go from a van to housing is furnished,
but they won't let your fiancé stay there.
No, because I kind of can't talk about what I do too much,
but I just work with individuals that just need some extra help.
So I'm away from home for two weeks at a time.
So I'm with another person in the room and they can't come along with me.
I see.
Okay.
Why is renting not an option in this?
You've given us two extremes, feel like going from a van to
buying your first house congratulations on the income but why is renting on your own not a part
of this equation um the renting is only out of the equation because i'm where i live rent is uh
very high i understand make a lot of money um but i really like saving my money i've been watching
you for a while and spending money just makes me not feel good.
And I have a big dog, and with the big dog, a lot of places won't let me in.
So then I'd be looking at paying like $2,000 plus for housing.
And that I'm just kind of not really too fond of.
We've been living in the van now for almost two years,
so we're kind of comfortable in it.
So she would be all right waiting until 20%.
You're comfortable in the van with a giant dog
yeah well it's like an rv van so it's a van but it's an rv so it's all fitted out like an rv
and we're outside people usually we're outside um jayden the puppy like the dog he's pretty good in
the van yeah jayden um when sharon and i got married um I refused to move into an apartment because I had two big dogs that I loved.
And one was half Malamute and the other one was a fire dog.
Dalmatian.
Dalmatian.
The Dalmatian didn't like animals and, I mean, didn't like people.
And the Malamute didn't like animals.
So I was a 22-year-old genius and I moved into't like people and the Malamute didn't like animals so I was a 22 year old genius
and I moved into a rental property instead of moving into an apartment the first week the
Dalmatian bit a jogger and the Malamute ate the neighbor's cat and so I decided I was not going
to be able to keep my large dogs that I love because they were going to cause me to lose everything I owned, even though I love dogs more than just about most humans.
But I had to give away those dogs.
And I had rented a property, a particular property, nothing to do with my wife's needs or my needs, but the needs of the dogs.
And they didn't make it three weeks. I tell you that story to say, sir, I'm an old man,
and so I'm going to give you old man advice.
Don't make decisions about where you live based on a dog ever.
Don't make decisions about where you make your fiancé live in a van ever.
And if she's your fiancé, let's set a date get married and go rent an
apartment and or go find a place in the country and rent it for the big dog only to discover
three weeks later that he ran off to tennessee and now you've got to uncle dave's house so he's
came to he come to my house that's where he ended up he's what was that movie uh homeward bound
it'll be homeward bound to t to Tennessee and hang out with Uncle Dave.
But, yeah, so I'm just telling – this is an actual true story.
I actually did this dumb butt stuff, Jaden.
And so this was so long ago.
We've been married 42 years, and so there were actually newspapers in those days,
and they had these things in them called classified ads.
So I put free dogs ad in the classifieds and uh we moved out of that property uh four months later
and moved into an apartment that cost half as much and uh cut our rent and cost in half that
and that was the dogs it was all on the dogs the free dogs that i gave away what happened with the
name who owned the cat no the
cat and that neighbor still got they're still telling this story and the poor jogger had
those dogs are meaner than snot those those uh dalmatians are one man dog that's why they put
them on fire truck nobody nobody messed with a fire truck because they're mean i didn't know that
but um that's the only mean dog i've ever owned but i didn't own it long and so um i never heard that story yeah so jayden this is going to
be you telling this story someday yeah only you're going to look uh as dumb as i look or you're going
to get rid of the dog and go get an apartment son and put your fiancee in there and by the way go
and see the preacher this weekend and get married and get it all done at once.
Don't make your decisions based on this.
It's not romantic to live in a van.
There's nothing romantic about it.
The only thing I didn't get to ask him was if the van was –
I've still got Saturday Night Live skit ringing in my head.
I was going to ask him if down by the river.
If he lives by the river, it's takes the cake.
That would be the end of it.
I would be losing it right now.
With a giant dog. With a giant dog. Justin's in Charlotte, North Carolina. Hey, river, it's Texas. That would be the end of it. I would be losing it right now. With a giant dog.
With a giant dog.
Justin's in Charlotte, North Carolina.
Hey, Justin, what's up?
Hey, Dave, how are you?
Better than I deserve.
How can I help?
Well, my wife and I, we have some debt that we're trying to get in touch
and just try to get it out from under us.
We've got some medical debt and some debt on our home and a vehicle.
Okay.
How can I help?
I guess I'm just wondering the best way to get out from under it.
And we've also, I've got some land, and we're wanting to build on it,
but I'm kind of wanting to get some of this stuff.
Yeah, you need to get the deck cleaned up before we talk about that.
So what's the total of the deck?
It's probably around $200,000 probably.
On what?
$148,000 on a house.
Oh, okay.
$20,000 on what? Okay, $20,000 on what?
A vehicle.
Okay.
And what else?
And I've got $18, a on a loan on the house
18 000 and about 8 000 in medical debt okay and are you guys uh is the medical event behind you now? No.
It's for our son.
One of our sons, we still have checkups on him.
He's disabled, and it'll be an ongoing thing, I believe.
Okay, so you've got that in the budget, the ongoing.
What's your household income, sir?
Around 60.
Okay.
All right.
Well, what we teach folks to do is get on a detailed, tight, written budget.
We can help you do that with the EveryDollar app.
You and your wife sit down together, give every dollar of this month's income an assignment, food, shelter, clothing, transportation, and utilities,
and then let's start paying down debt. First goal is maybe step one, setting aside $1,000
as a starter emergency fund. Second goal is list your debts smallest to largest,
pay minimum payments on everything but the little one. You have $ thousand dollars in debt you make sixty thousand dollars a year if you paid off twenty six thousand a year that's about two thousand a month
that's very hard to do on sixty thousand uh you'd be done in two years
yeah or if you sell the car you'll be done in one year
yeah i've thought about selling the car my wife is not for it yeah she's not for it
because um but but if you're going to build on this land anytime in the next five years
you're going to sell the car and you're going to start living on less than you make
you guys are not big over spenders you don't make a ton of money but you just don't have a game plan
it's not very dialed in you could take the amount of money, but you just don't have a game plan. It's not very
dialed in. You could take the amount of money you've got and dial it in and be a whole lot
better off, but you got to start making some decisions rather than just buying stuff randomly.
So hang on. I'm going to put you into Financial Peace University. You and your wife go into that
class, and you and your wife use the every dollar budget together and start making your decisions going forward, and you'll be just fine, sir.
This is The Ramsey Show.
Ken Coleman, Ramsey Personality, is my co-host today.
I'm Dave Ramsey, your host.
Thanks for joining us.
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possibly a 500 gift card dad come man we're paying people serious money to answer your questions
but are somebody some serious money 500 bucks that's sweet not everybody but one person that's
still my goodness gracious.
Well, thank you for your help, all of you.
We're thankful to you.
Obviously, we're really thankful.
Rachel's in Independence, Kansas.
Hi, Rachel.
How are you?
Good.
How are you?
Better than I deserve.
What's up?
Hello.
I was wanting a little bit of advice, if you could, about my ex-fiance and I broke up about a few months ago.
And we have, over the course of the last five years, racked up some debts.
And that's what we have both of our names in. advised by family members like, oh, the only way for me to start fresh
and maybe get our names off of each other's stuff is to go bankrupt.
And I just kind of wanted an outside perspective or outside piece of advice
rather than just going off of the lawyer's perspective.
Yeah, asking a bankruptcy lawyer if you're bankrupt like asking a dog if it's hungry yeah yeah how old are you
rachel i am 29 okay how long y'all been broke up um it's been about two months. After five years huh? Yeah. Okay. So how many
different items are you attached to each other on? It looks like only about five-ish. Five-ish.
Okay.
What are the five-ish items?
A house, two cars, and then at least two, if not three, loans.
I'm trying to find out if there's another one that's in both of our names or just mine.
Okay.
No credit cards um i have credit cards but i don't believe
both of our names are on the credit card okay any checking accounts
yes i have with both names oh no we didn't do that. No, of course not.
Okay.
But both your names are on the cars and on the loans, on the house deed and on the loan.
Yes.
Okay.
What's the house worth?
That's a good question.
The lawyer says you should look on Zillow.
I thought that there wasn't going to be any equity in the house,
but from what Zillow says, it's worth $130,000, and we have $90,000 on it,
but we just refinanced.
I don't know how accurate that is.
Okay.
And you signed all of that.
Signed all of it, yeah.
And what do you make?
I just got a new job.
So I was making about $60-ish, $65 a year.
Now with the new job, I will be making like around $80, $85.
Okay.
All right. And what do you owe on the cars?
Each car. Each car and what are they worth?
Let's see. The one is worth $40,000. Well, we got the one for $42,000.
I think we owe about $30,000-something left on the truck, and then another car, it's around $20,000, and I believe we still owe around that okay and which one are you driving
and the car okay all right um okay and uh i'm assuming you have discussed this with him after
the breakup what's that sound what's that sounding like yeah we um seem to we divvied up expenses
um he got since he and the boys um i want you know i didn't want them to move out of the house i
decided to move out i'm sorry the boys he has um boys from a previous marriage. Oh, his sons.
Yeah.
Okay.
All right.
And they're in the house?
Yeah.
Okay.
All right.
Well, what I would tell you to do if you were my daughter is to go, hopefully, with someone in your family just to sit there for moral support and not say anything.
Sit down and meet with him in person and say, this is an ugly mess.
And neither one of our lives go forward easily with this mess unless we together figure out some way to undo the mess.
Here's my proposal to undo the mess. Here's my proposal to undo the mess.
Okay?
You refinance the house and get the mortgage off of my name,
and I will deed it to you.
You get the truck out of my name either by selling it or by refinancing it.
I will do the same with the car that I'm driving. I will either sell it or I will refinance it and get your name off of it.
That will leave only $8,000 that the two of us have to pay off together,
and I'm going to aggressively pay that off probably in the next few months.
Okay?
Because if you don't do that, it's all going to land in his lap and you will have filed
bankruptcy for no reason because you're not bankrupt you just have a partnership disillusionment
another route you can go technically speaking but it's not very practical is if he refuses to do
what i just asked him to do um you can sue him for the
disillusionment of a partnership what you have technically and you'd have to ask a different
attorney not a bankruptcy attorney about this is my opinion is you have a general partnership
without any partnership documents or agreements the two of you as two individuals that were not
married went and bought a bunch of crap together.
And now that partnership has to be undone.
And you're asking the court to force him to do what I just asked him to do.
That'll cost you about $10,000.
Probably.
If you're lucky.
I wouldn't do with that.
I might sue him just to get him to make him do it.
And then the suit gets dropped. Hopefully you don't don't take it all the way to court though um but uh
filing bankruptcy on this uh you know it's kind of like taking poison and hoping he dies
you're killing you when you file bankruptcy. And he gets all the debt.
He's going to be left with the car, the truck, and the house,
and the $8,000 debt.
That's what he's going to be left with.
All of that gets dumped on him when you're no longer on it because of bankruptcy.
And you're free, but you now have filed bankruptcy,
which is like dropping an atom bomb on a pissant in this situation.
It's a little bit overkill.
A lot overkill is what I'm trying to say.
So I think the two of you ought to try to sit down and work this out like two mature
adults.
I have a feeling that's probably not possible, though.
What do you think?
We have sat down and talked um so both of
our just over the last few years our credit has tanked really bad so we have talked about doing
this in the future so how about selling all three of these things then sell the house the truck and
the car everything gets sold well i mean they wouldn't have a place to live and oh darn there's all
kinds of rental properties right there around independence freaking kansas and you get you a
hoopty and you're not bankrupt and you got out of this mess yeah folks ladies and gentlemen when i
tell you people shacking up not to do this rachel is a case study on why not to do this don't buy a house for people you're not
married to don't act like you're married to people you're not married to don't set up life with
people you're not married to you get screwed in the process metaphorically this is the ramsey show Ken Coleman Ramsey personality is my co-host today.
Open phones at 888-825-5225.
Ken, for an old-fashioned dinosaur like myself,
it was shocking to me about a decade ago
when I read the statistic that actually more couples in America today
live together that are not married than are married.
There are more people, quote, unquote, shacking up than ever before.
And so the problem of our last caller comes up.
It's exasperated.
It gets really, really bad in those situations.
So the thing is that it can come off as some kind of old-fashioned moralistic thing,
which is fine.
I'm an old-fashioned moralist in a lot of ways.
I'm happy to go with that. I'm that side of the coin, if you will, and i'm comfortable in my own skin on that but that's
not my my motivation my motivation is what's good for you we love you we want you to win
and what's good for you is to not own a house with somebody you're not married to
because then you move out and you can't get it off your name and then you get married to somebody
else and have a beautiful life except you can't get a house because you already got a house in
your name and you're messed up and you're stuck and the person's being unreasonable that is the
very reason you broke up in the first place in the past and certainly cars and buying things for
people and paying debt for people that you're not married to and always under the heading of
this is love well this is not love this This is stupidity. That's right.
That's right.
Because what happens is things do go sour.
And now all of a sudden, what should just be a painful moment
now becomes a painful season.
And that's the problem is trying to extrapolate all of this stuff
and pull all of it out and fix it.
And this could get really ugly for people pretty quickly
because now you don't even have the marriage situation to have
a judge speak into it. It gets really tricky. And I think that's what people miss. Oh, it's going to
work out. It's going to work out. He loves me. He loves me. Well, he may love you, but that doesn't
mean it's going to work out. And you're setting yourself up for a lot of trouble. Yeah, it just,
um, and, and here's the other thing, okay?
The data, the actual statistical evidence is there, and in the financial world or the
socioeconomics world, it's called the marriage advantage.
Yes.
That even, and I'm not mad at you if you're married or you're single or whatever, none
of that matters.
It's just a data issue, okay?
The data is that a young man who gets married 20 years later has a higher income than a young man who doesn't get married.
It's a data advantage.
It's an advantage in the data a young man young woman that gets married
uh 20 at 25 25 years later has a much higher net worth they have a higher net worth they have a
higher income um on average that's right that's the actual data that's out there and part of it
is the setback that occurs if you get yourself tangled up like poor rachel's tangled up there
um and uh you know because what this is going to end up, she's now gone from a $50,000 to an $80,000 income,
gotten rid of said boyfriend slash fiance.
By the way, a fiance without a date is a glorified boyfriend.
You got to set that freaking date.
Okay.
When are we getting married?
In two freaking years, painter, get off the ladder.
Seriously.
Okay. This is not a fiancé.
We're playing house and trying to make it look a little bit better to our more moralistic friends.
Well, he's my fiancé.
Well, that matters not at all, obviously, because now here you sit with two car payments, a house payment, and you only got one of the cars.
Hello.
So this is how this ends up happening
uh you you really get yourself into a mess and the the data is out there on the poverty cycle
as well that's associated with this so uh professor professor i'm reading now from some
of my notes bill galston who was in president clinton's domestic policy advisor um said they
did a study showing the things,
you only have to do three things to avoid living in poverty.
Graduate from high school, marry before having a child,
and have that child after age 20.
If you do those three things, only 8% of the people who do so
will be at the poverty level.
If you do not do those things, 79% who fail to do all three will be at the poverty level if you do not do those things 79 percent who fail to do all three
will be at the poverty level wow that's a huge indicator now these are not hard things
graduate from high school don't get married or don't have a baby before getting married and have your first baby after age 20 and you have an eight percent
chance of being in poverty if you don't do those three things you have a 79 chance of being in
poverty well the rich get richer and the poor get poorer nope the people who do rich people's stuff get richer, and the people who do poor people's stuff get poorer.
It's the way we live our lives that causes us to reap the things in our lives.
I've done a lot of stupid things in my life,
and they've cost me money every time.
Only 4% of homes with a married mother and father are on food stamps.
Only 4%.
21% of those cohabitating government for shacking up and 28% of single mothers are on food stamps.
Only 4% with a married father and mother in the home.
78% of married people own their own home.
41% of shacking up people on their own home
home ownership by the way is one of the key elements in wealth building to move you from
lower middle class lower class to upper middle class or upper class financial strata in
socioeconomic measures this is data people this is data this is the result of these
moral decisions a major 2014 report from the american enterprise institute for family studies
at the university of virginia reports that family income is 73% higher for married women than unmarried women.
Hmm.
I can help you with part of the reason.
Can you?
Instantly, I can come to the conclusion.
I'm reading into the research.
Yeah.
I'm commenting on the data.
I've got one word.
If you don't have to work, you can demand more money.
Because you can walk out and say, take this job and shove it.
That's right. And so's right and so if you
know if you got two of you working i'll guarantee the husband's making more money too because his
wife's bringing in money the two of them are making money he's gonna have to put up a crap
off of some toxic situation and somebody won't give him a raise he'll go someplace that got
upward mobility she can do the same thing she's not going to get mistreated in the marketplace. Married men benefit from an average annual economic marriage premium of $15,900 a year,
more income on average than their unmarried counterparts.
This is data.
Now, where did we lose this data in the decision that half of you more than half of you are cohabitating
rather than being married and all it does is require a trip to the preacher or the courthouse
it's not rocket surgery it's not hard to figure out and the advantages are all over the place
the legal advantages the relational advantages the economic advantages i've just outlined for the past 10
minutes yeah and oh we can say the spiritual advantages too okay they're there as well
um because god loves you and he has a plan for your life and it is not to bring you harm
it's to give you hope and he says hey kid this is the best way to live your life
and then the data backs it up. Who knew?
Well, you know, there's a theme going on.
I think what we see in the data is that the word commitment, when we live it out,
commitment makes a difference.
Commitment requires you to be selfless, not selfish.
And the antidote to all of this convenience living, because this is all about convenience.
The other side of the commitment is convenience.
Well, we're going to live together because we can, because we're fiancés. It's all about convenience. But the data shows that when marriage is about commitment,
it's the bedrock of the whole thing. It's a covenant. It's a commitment.
And so with commitment comes selfless behavior. The selfless behavior leads to more money.
More money leads to momentum.
And so all of the data there, I'm seeing a struggle, Dave, between two words, commitment versus convenient.
Yeah.
I think that's what I see.
We live in a convenience-driven society.
So I haven't given a whole bunch of you in social media a reason to hate on me or to unfollow me in a while.
So that's what this segment was for.
It's to help you have a reason to go away. Some of you wanted a reason to hate on me or to unfollow me in a while. So that's what this segment was for. It's to help you have a reason to go away.
Some of you wanted a reason to go away.
I just gave you one.
That's what I'm here for.
I'm here to help.
You're out of touch, Dave.
We love you.
You Puritan.
We love you.
We love you.
And we love you as you leave.
Bye-bye.
This is The Ramsey Show.