The Ramsey Show - App - This Is What the Life of a Hustler Looks Like (Hour 1)

Episode Date: March 21, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Can I pause paying off debt to buy a car?" from the blog: How to Buy a Used Car Right Now, Whole life vs. Term Insurance,  from the blog: What Is Term Life Insurance? Saving for retirement vs. paying off debt. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Live from the headquarters of Ramsey Solutions, broadcasting from the pods moving and storage studios, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Warshaw, Ramsey personality, is my co-host today. Thank you for joining us, America. Open phones at 888-825-5225. The call is free, and some say the advice is worth exactly what you pay for it.

Cameron starts off this hour in Dallas. Hi, Cameron. Welcome to the Ramsey Show. Good afternoon, sir. It's a lovely luck today be above there ain't it it is sir it is how may we help sir so i am having a question concerning basically can i pause my debt for a car why yes because one i believe I can become more mobile. And I like to consider myself a hustler, as I may be able to get a part-time job delivering pizzas, or bring DoorDash, that sort of thing.

And so, therefore, I can increase my income. You don't have a car? No, sir. Currently, I do not have a car. Oh, okay. Yeah, I would. I would. I mean, basic transportation, that's a starting point.

Yes, sir. And you can increase your income a lot of different ways if you have just a basic car. You're going to pause that snowball and pile up some cash and pay cash for a car, right? Yes, sir. And how much of a car and how long is this going to take? um yeah so so currently i have about um 14 14 and a half thousand uh liquid and i have a 12 oh you aren't doing the debt snowball oh you know sir because uh my student loan is my current is my only debt currently yeah but you have 14 000 cash saved uh yeah well i have 14 000 spread across the money market account savings

account my emergency yeah well if you were doing the debt snowball you would have already cashed all that in and thrown it at the debt so you're not really doing anything yet okay so you got fourteen thousand dollars safe so how expensive a car are you gonna buy uh i'm thinking of getting something that's like and i said dan not not not so much hoopty though so maybe about seven to ten grand maybe a little bit 12 12 max 12 grand max well let's think about the price how much are your student loans because that's going to weigh into how much you spend on a car oh yeah so i have currently i have 12 483 dollars of loans. And what do you make a year now? What I make a year now, I'm working part-time,

but I'm soon to be employed at Fidelity, and I will be making $50,000 a year at Fidelity. Soon to be is when? Soon to be in June of this year. Are you graduating from school? Yes, sir. I graduated last December. So when were you hustling?

When was the hustling part? You're working part-time since December? Oh, no, no, no. So I was working a full-time job with my church. I was interning at my church full-time. With no pay? No, no oh no no it was paid oh okay yes all right so let's let's start again all right the baby steps are you have one thousand dollars in the account you throw everything else at your debt smallest to largest until you're

debt free then you build an emergency fund of three to six months of expenses in baby step three. Okay, so that's the process you would be using from this point forward. In the midst of that, we need to get you a car. So you currently have $14,000 and $12,000 worth of debt. Did I understand that correctly? Yes, sir. And you don't go to work until june uh yes sir currently i'm working just part-time because i don't go to work until june yes sir so next week i want you to go to work like all the time there's no reason to sit on your butt from now until June. Okay. Might as well. What else are you doing? That is a good question.

All right. So, yeah, let's do that. All right, Jade, I'm a little bit torn, okay? I'm kind of thinking $1,000 car and pay off all the debt. Yeah, I wouldn't spend a lot. And I'm kind of thinking a $4,000 car and then between now and June pay off pay off all the debt yeah i wouldn't spend a lot of thinking a four thousand dollar car and then between now and june pay off the rest of the debt because he works 60 hours a week between now and june at six jobs i kind of feel like i would go for the cheaper car

pay off the debt and then when he starts working he can get some time, I don't know. What are you making now? I know you're making part-time, but are you making anything to add to this? What are you making now? Yes. Currently, I'm making now I would average out to about $200 a week, so maybe like $800 to $1,000 a month. All right. I probably wouldn't spend more than $2,000 or $3,000000 a month. All right. I probably wouldn't spend more than 2,000 or 3,000 on a car.

Yeah, let's go with 3,000 and put everything else you own except $1,000. So that's four out of your 14. That leaves you 10, and I want that 10 on the debt by the end of the day today. Mm-hmm. Okay. And now you had a student loan debt. Did you have a small something else or just the student loans? Oh, no, just the student loans.

No credit cards or anything like that. Okay. How many loans are there, separate loans? I believe it's comprised of two loans. All right. And what are their amounts? Let me check on that for you, sir. Actually, no, no, no.

I'm sorry. I'm sorry. I totally feel it's all one amount. It's all one. Okay. Well, just pay $10,000 against it. That should leave you a balance of about $2,000. That should leave you $3,000 for a car and $1,000 left over in savings for a miniature starter emergency fund.

And then you get out there kick butt and take names for the next 60 days pay that 2 000 off so by the time you step into the job you're debt free then you finish your emergency fund by the end of the summer of three to six months of expenses so it's september you're driving a three thousand dollar paid for car you have zero debt and fifteen thousand dollars in the bank in september i like your life then but this is the life that a hustler is going to go get and that means you are working five to six jobs between now and the time you take this big job because you need money and that's where you get money that making sense it's making sense to me i like that plan yeah and i wouldn't spend it i mean and here's the thing you don't

want to drive a three thousand dollar car very. So by Christmas, after you finish your emergency fund, I want you to save up and buy you about a $10,000 car. Yeah. Because the good news about a $3,000 car is it's not going to go down much in value. It's pretty well done. It's pretty, it might be worth $4,000 by Christmas if you take care of it, if you buy it right. You know? So yeah, I would buy that and then take that car and put $7,000 cash with it above your

emergency fund, be driving a $10,000 car by Christmas, 100% debt-free with $15,000 in savings for emergencies and we're debt-free. And it's not even been a year at Christmas because this is March. It's a lot you can do in eight to nine months. You can change your life, change your money. If you're a hustler. Yeah, but hustler means you're hustling, not just talking about it. You can't just talk about it.

You've got to do it. There's that. This is The Ramsey Show. Jade Warshaw, Ramsey Personality, is my co-host today. Thank you for joining us hey if you guys are enjoying the show you can help us and many of you have been doing this we know because our numbers are way up the other day we were number 16th on the apple podcast list of all podcasts in the world which there are over two and a half million of them and uh our guys our guys and in our marketing team are really upset that we're only 16th they think we ought to

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how these things magically appear that you were thinking about. well we're one of those yes and so um that that's how that's our biggest because we're not like um spending so much money on marketing that we have our own stadium right right i know some i know some some banks that yeah i'm sorry excuse me i got allergies um but the uh i didn't spend $300 million on marketing like somebody. And so instead, you guys have to tell people about us because you're like our marketing engine. So help us out. Help us out. And that's a way you can say thank you to do that.

So thanks for hanging out. All right. Carly's with us in Montgomery, Alabama. Hey, Carly, how can we help? Hey, Dave. And I agree. Y'all should be in the top 10, absolutely. All right, we got Carly's vote. Somebody tell Apple Carly said, okay. My question is, should my husband and I cancel the whole life insurance policy that we have? Which I think I know the answer. Well, we do suggest term life insurance, but I would make sure that the term life insurance

is in place for both of you before you cancel your whole life policies. So have you already gotten with somebody like Zander to price it out and get it in place? Did you say Zander? Yeah. Zander Insurance is who we recommend for term insurance and and have for 25 years they got the best prices on the planet yeah they're great okay i'm taking notes and know we have term life we have it through the same person that we have the whole life. What's the company? Correct. It's the Northwestern Mutual.

Okay. All right. Cool. So here's what you're going to find out. And the only reason we have it is because we personally know. Yeah, I'm sure. That's the only reason you would buy that crap. Right.

And we eventually, you know, want to do real estate, which I know that's also, Dave, how you made some of your money was in real estate. And it sounded great, but here it is a year later and they're wanting us to pay eight thousand dollars again which we didn't we didn't realize that was an annual payment of eight thousand dollars we've already paid that one time and it's due again at the end of the month yeah okay so yeah you need to get um number one, when you go to Zander, you're going to find that Northwestern Mutual is one of the most expensive

whole life companies out there, one of the worst ones, translation, and their term insurance is as bad as their whole life. So you're going to be able to cut your cost for the same exact policy on the term probably in half. Your term insurance is super expensive term insurance too okay but we need to get that in place because i don't want one of you to die with no insurance because you cancel all your policies and then it takes three months to get your new ones in place right car wreck happens in the interim little kids are hungry i don't like that plan okay number one start new policy new policy zander z-a-n-d-e-r insurance.com go

there it'll get you a quick easy quote when you get the quote back you're going to go dad gum ramsey yeah okay so there you go and uh and you're you should have a good rule of thumb is 10 to 12 times your income on you 10 to 12 times your husband's income on him. What do you make? I make $47 roughly before side hustles. I want you to price $500 and $600 on you at 15-year level fixed. How old are you? I'm 25. Good.

It's going to be the cost of a pizza. Yeah, super cheap. It's really cheap. And just put it on a monthly plan and just pay it monthly okay it's real easy comes out of your checking account goes right in your budget now what's your husband make 45 okay so same thing so let's say we put 600 on him let me tell you show you how this works all right this is why we do this it's important to not do it because i said do it but important otherwise that you understand okay so 600 000 invested in good mutual funds the stock market has averaged 11.8 percent since it began so if you get an average rate of return or less

let's make it round so it's real easy on the radio uh 60 000 600, let's say that you made 10% on that. Your husband died. You got $600,000. You put it in a mutual fund. It makes 10%, and that makes you get an income of 10% of $600,000. Does that sound like $60,000 a year to you, Carly? Honestly, it kind of went over my head. Okay, $600,000.

I'm trying to follow a visual person. That's okay. $600,000 on your husband, and he passes away. The insurance company sends you a check for $600,000. You take that check, put it in mutual funds with a SmartVestor Pro because you listen to this show, okay? Okay. because you listen to this show okay okay if the mutual funds made 10 a year 10 of 600 000 is 60 000 did we do it that time did we make it you with me i'm with you okay so if you got

60 000 a year coming in and the six hundred thousand didn't move they're just sending you the income off of it you get that forever you following me so your husband's income that was lost when he passed away in our bad story here has been replaced with a sixty thousand dollar income from investments because you had the proper amount of term insurance in place okay did that make sense to you yes sir because that's the purpose of it is to replace it and not not eat it up so it just sits there and runs it's just the goose that's laying a golden egg every year that's 60 grand and so i try to not buy too much life insurance i don't want to buy i don't want to be worth more dead than alive

because then i have to i have to sleep with one eye open with sharon ramsey right okay so you need to get 600 on you 600 on him or fit 500 right in there that range for that reason when that's in place you'll want to drop that other stuff. By the way, if you don't pay the $8,000 payment, it'll take them 60 to 90 days to get around to canceling you, minimum of 30 days. Okay. So, yeah, how much is your term insurance currently?

How much is your current term insurance? How much coverage is it? I don't know. I want to say maybe a million for both of us. Of term? A million each or 500 and 500? No, no, 500. I think 500 and 500.

Well, that sounds like the proper amount, and all you're going to end up doing is replacing that because you're going to find it's too expensive. Okay. You're going to find, again, you're going to be able to do that $500 and $500 for a lot less than you're paying now, assuming they have a 15-year term and you're comparing apples to apples. But that's what you need to do right there, kiddo. That's a good point you made, Dave.

I think a lot of people don't realize that the purpose of life insurance is to replace income because I know I've talked to a lot of folks in our FPU class and they say, oh, I've got insurance through my work. And for most people, it's not enough to cover a loss of income. One year of income. Yeah. Something like that. So check your insurances, make sure you're covered to the right amount. Check with Zander Insurance. It's just not that much. It's really not. I mean, not a lot of money to put 500k on a 25 year old, especially when you're healthy. Yeah. And man, something happens. It's a big deal. Peace of mind. You're just irresponsible to be out there walking around

without it. So people get this stuff in place. This is the Ramsey Show. jade washaw ramsey personality is my co-host today thank you for joining us america we're so glad you are here hey with debt payments out there at an all-time high do you know credit card debt's an all-time high car debt is at an all-time high student loan debt is at an all-time high i wish one of these would fail to be at an all-time high, but none of them have so far. You people continue to keep us employed. I'm just saying. I mean, like me and Jenny Craig, we got a big job. Job security.

There's a lot to do here. Debt payments are everywhere. And now with inflation being out of control and other stuff happening all over the culture, more and more of your paycheck being stolen, well, you shouldn't have to live with this kind of stress if you want to change and something does need to change you know that you have to have that moment where you say i've had it i'm not living like this anymore if you've had that moment and you are really ready to make the go through the pain of changing to stop the pain of this financial anxiety, then you need the opposite of financial anxiety, and that's called Financial Peace University.

It's our nine-lesson, nine-week course that will teach you how to beat debt, build wealth, and become outrageously generous. It's everything you wish you'd learned about how to handle money. Nearly 10 million people have taken Financial Peace University. If you're ready to change, we can help. I can't make you do it, but I can show you how if you're ready. Financial Peace University, RamseySolutions.com slash FPU. RamseySolutions.com slash FPU.

Julie's next in Columbus, Ohio. Hi, Julie. Welcome to the Ramsey Show. Hi. Thank you. I appreciate you taking my call. Sure. How can we help?

So my husband and I are working on the steps, and we are on step two. And now we're ready to differ a little bit in our viewpoints as far as what we should do next. So we're both 50 years old. And I want to focus any extra money on any of our debts or all of our debts and credit cards and such. And he has just started a job that now has the opportunity for some retirement funds, and he does not have any sort of retirement or pensions up to this point. So he wants to focus all the extra money he can into building a retirement fund for himself. Okay, so you didn't really tell us accurately then.

You said my husband and I are wanting to work the baby steps, because the truth is you are wanting to work the baby steps he's not yeah you guys are not on the same page right you're wanting to be baby step two everything in on getting out of debt because when you get out of debt then you've got plenty of money to put money into retirement and yeah you got some catching up to do at 55 but you can do it but the fastest way to do it's get out of debt so you're ready to do it he's wanting to do his plan yes hey so i guess i'm sorry go ahead are you guys combining your money the way you talked about your retirement you said him i heard you say his retirement and his I just want to see where you guys are in that area. So basically, he is giving me some towards the bills at this point.

And I'm finally getting him with the idea of you have to let me take over because he struggles with it. Nope. Both are wrong. You're both wrong. Yeah. You guys need to overhaul this entire situation because the fact of the matter is you're not on the same page. You want to do this. He wants to do something else. You guys are not sharing your money. You're on separate game plans. Thing one is getting united on just marriage, which in this case involves your money. And I'm wondering for you, if you

were to speak to him and say, hey, I talked to some knuckleheads on the radio today and they said that we need to combine our finances. That's step one. What would he say to that? And what do you say to that? I'm game for it. we had done that in the past and um we we were fine with it i managed paying the bills i kept him informed of everything um he was starting a new job he has kind of gone a bit overboard on spending and opened up a bunch of new credit cards and i do feel like he's just gotten embarrassed as to where he is at this point no he should be so that's good where he can't handle it yeah when i do stuff stupid it embarrasses me too so i understand yeah yeah because this i mean what he's doing is wrong of course he's

embarrassed of course he feels foolish because he's been foolish that'll make you feel foolish being foolish i've done it i know so yeah so here's the thing let's back up three steps like we said and like jade said and reset so a proper okay number one the advice we're giving you is not theory we've done this with millions of people and have led people to become millionaires and retire with dignity with a paid for house let's just say that's the goal, okay? Let's say that by 70, you're a millionaire and you have a paid-for house. That's our goal. What is the fastest right way to get there?

Okay, that's the question you and your husband both need to answer. Now, we have proven by teaching and walking with thousands and millions of families now that the fastest right way to get there is a process that we call the baby steps, where you first save $1,000 in baby step one. Baby step two is you pay off all of your debts except your home, and because your most powerful wealth-building tool is your income, and when you give it all to Ford Motor Company and MasterCard, you don't have it anymore. They do.

And so you have to stop giving your money away to these idiots that are taking your money. But you gave it to them, so you have to stop it. That's called debt reduction, right? We're getting out of debt. Now, when you don't have any debt payments but your house anymore, that'll feel pretty good, won't it? Ask him that. And I'm debt payments but your house anymore that'll feel pretty good won't it ask him that and i'm asking you that julie that'll feel good won't it say yes yes yeah and the credit cards that he just took out we're going to have a

little plastic surgery party by candlelight tonight chop those puppies up a plasectomy at julie's house okay now once we're out debt, we build an emergency fund of three to six months of expenses. And then we start saving 15% of our household income into retirement. If you do that, if you follow that, how much debt do you have? Not counting your house. Not counting the house. We're at about 121,000. On what?

Credit cards and a truck payment for him. How much do you owe on his truck? $20,000. And what's your household income? Well, $100,000. Okay. Got a lot of truck. Yeah, he got it new.

So part of this is this 55-year-old old little boy's gonna grow up and be a man now and put his future in his sights and not his weekend that's part of what's going on here this guy the way the way you have described him in this call he just goes and does whatever the flip he wants as if there's no consequences and then he's embarrassed. Okay. So now we got to stop this and we got to undo a bunch of it. Now, then the last part of this whole story is the two of you are going to decide together every month before the month begins on paper, on purpose, where every dollar is going to go to accomplish the goals in those baby steps so that we can retire with a paid-for house and a million dollars and if we are saying that's the goal and whatever we've got to do to get to

that goal that means we're going to sell everything in sight we're not going to see the inside of a restaurant unless we're working there we're not going on vacation because we're broke people we're 55 years old and 120 000 in debt and no money and scared about retirement and we're broke people. We're 55 years old and $120,000 in debt and no money and scared about retirement, and we're going to do something about it. And this is who you become, and the two of you together join arms and say, we're going to be grown-ups.

It's not, thank God it's Friday, oh God, it's Monday. It's we're going to retire 15 years from now with some dadgum money because we changed our lives. Now, if you're ready to do that, Julie, I can help you. That's what we do. But if you're going to keep playing around, play a footsie with this, and he's going to keep running around like a weekend little boy, Huey Lewis in the news, living for the weekend,

not going to work for me. I can't help you. But if you want to do all this stuff, we'll put you through Financial Peace University. You hold on. You can tell Austin if you want to do all this stuff, we'll put you through Financial Peace University. You hold on. You can tell Austin if you want to do it. We'll pay for you to go through the class. You and your husband that I just picked on. This is The Ramsey Show.

Jade Warshaw, Ramsey Personality, is my co-host today. Thank you for joining us, America. Open phones at 888-825-5225. Hey, if you are a brand new listener, and as we have said, there are many of you out there that are brand new. We appreciate that. And if you want to learn how this Ramsey stuff works, some of this inside baseball where we're saying stuff like baby steps and we're saying things like debt snowballs and all that stuff, go to RamseySolutions.com, click on the Get Started button, and we'll help you figure out the next best step in your financial journey. We'll let you know where you are in the baby steps and what you do from here, exactly what

to do. RamseySolutions.com. Click Get Started. Jade, it is worth you and I taking a moment and explaining that the thing that we have discovered at Ramsey 30 years ago that has made all the difference in the world in people's lives is not the tactical what to do with money stuff it's the understanding that personal finance is 80 behavior yes 20 head knowledge the mathematics of becoming a multi-millionaire learned by the sixth grade spend less than you make oh dave i mean that requires self-control yeah so the problem is the guy in my mirror yeah if i can control this goober he can be skinny and rich but goober has a problem his name is dave and you know you gotta you guys gotta figure that out because that's the bad news the bad news is i'm the problem the great news is i'm the solution

it's a decision yeah you just have to decide you want to do something different because you kind of already know what to do we'll give you the fine tuning and we'll show you the, but we don't sell magic beans here. Jack is not here. Yeah. Dave's here. You have to do the work. There's no easy, there's no easy button to push on this.

There's no magic pill. Like you said, you're going to have to look at what you're doing. And if you want a different situation, you're going to have to do something different. If you want to experience change, you're going to have to change your habits. That that's how it works you can't just keep doing the same thing and think you're gonna get the same result and what i love about how we teach money

is it is it is they are very simple concepts dave very simple live on less than you make yeah get on a written plan and they're counter-cultural absolutely because most people spend more than they make. Yes. Get out of debt and stay out of debt. That's countercultural because most people believe you have to have debt to win. And actually the data says, and 30 plus years of doing this, leading more people into millionaire status than anybody else, tells me and tells you and tells us at Ramsey that the proper

way to do this is get out of debt because your most powerful wealth building tool is your income. And so you've got to pay a price to win. You've got to live like no one else so that later you can live and give like no one else. There's a price to be paid to get out of the mess that you made. Yeah. And let us be, like you said, it is countercultural because everything out there is telling you to be reliant on something else. The credit system is telling you, you need credit. You need us. You can't exist in this world without us. And the government tells us the same thing. You need us. You can't exist in this world and pay off your debts. You need us. Everything is giving us the

message that we cannot be reliant upon our own volition. We can't handle our money ourselves. We can't do anything on our own. And that's completely false. You actually do have control over how you spend your money. You actually do have control over the decisions that you make. That's false. Part of it is whether you're 25 or whether you're 55 is growing up. Absolutely. And one definition of maturity is the ability to delay pleasure. Adults devise a plan and follow it. Children do what feels good.

Yep. And I don't care how old you are. If all you do is go on your feelings, then you're a child. Absolutely. You have to say, all all right there's a destination over here what has to be true that is not true today so that I'm that person over there instead of the person I am right now come on that you're you are preaching to the choir right now because

some of you know my story and some of you don't my husband Sam and I had half half a million dollars in debt, for lack of a better word, $460,000 in debt. And I distinctly remember the moment, Dave, where I thought, if we don't do something about this, I will never have any of the things that I wanted out of life. Yeah. Financially, with the family. I want to be 30 pounds lighter. Yeah.

Okay. Good. Is this a wish or is this a goal right if it's a goal then you say all right when do i want to be 30 pounds lighter all right when three months from now okay now we have a goal now then you have to ask yourself okay what has to be true that's not true now? And in my case, it's less donuts, fat boy. I mean, you know, get away from the chocolate donuts, boy.

Because the guy that's got a six-pack and I got a keg, he's, you know, he's not doing the donuts. No, he's not. So you've got to, you know, okay, something has to change and i gotta like the idea of being thinner more than i like the instantaneous gratification and sugar rush of a chocolate covered oh my god i want one donut right well practically for us it was you don't make enough money so you need to earn more money what has to be true that's not true now i need more money i care too much about what other people think so i'm buying stuff i can't afford to impress these people. Got to change that. I'm trying to drag along a spouse who's not going along with this.

My spouse keeps running off and doing this other crap, and I'm trying to do this. Well, what has to be true? What has to be true is you guys got to get on the same page. Because that's a key data point in people who win with money. They control their behaviors. Adults devise a plan and follow it. Children win. I deserve.

I deserve a new car. Call the Wambulance. Seriously. Children do what feels good. Now, I've been both probably today, but certainly in my life, right? I mean, there are times there's a higher, more noble dude, and then there are times I just want one, you know? Don't tell me I can't do it. I deserve it. I work hard. Oh, shut up. Like nobody else works hard but you right i deserve to be deeply in debt and get a truck i can't afford because they work hard what you work hard so

you deserve to be broke i don't understand how dumb a butt statement is that but people say stupid butt stuff like that right it's crazy so you've got to look out there and say what am i willing to become so that i am oh that person over there what am I willing to become so that I am that person over there? What am I willing to give up? What has to be true that's not true today? We have to be working together. We have to be living on less than we make.

We have to be doing a written budget. We have to be cutting up the credit cards. We have to be getting rid of the whole life policy. We're selling a stupid car we can't afford yeah we're we're not going on vacation we're not gonna go out to eat every night we're freaking broke people we're not doing this anymore and you start talking to yourself and going but not for long yeah not for long as for me and my house we're not gonna live like this we're gonna live like no one else so that later i gotta

you know where i eat out now any dead gun place i want to you know i read the menu now from the left to the right i don't start with the price i start with what i freaking want to eat you know why because i did all this stuff for the last 30 years and it works come on dave be honest you don't even have to look to the right i don't you. You don't? You just look at it. The only time I do is on the wine because some of it's really expensive. Oh, man, I love it. I can go on and on about this conversation because it's true. And the thing is, you've got to find and look inside and find the reason why. If you don't know why, you're not going to try.

Period. You're going to start it and you're going to go, I heard this guy on the radio dave and i heard jay talking and you get all excited about it but then when the rubber meets the road you don't do it you quit you have to let me tell you you're gonna get tired yeah and you're gonna be scared and you're gonna get dirt under your fingernails because you work so much so that later you don't have to. Yep. And it changes you. Where you want to be working extra jobs when you're 70 or when you're 27. Okay.

Because social insecurity is not going to cut it, baby. I know, right? You talk about too much month at the end of the money, broke old people living on social security. This ain't fun. Why don't you sign up for a different trip, boys and girls? It's all about you, the person in your mirror. You can do it.

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