The Ramsey Show - App - Tim Tebow on Living With Passion & Intentionality (Hour 1)

Episode Date: March 10, 2022

Dave Ramsey & Rachel Cruze discuss: Tim Tebow's new book Mission Possible Getting out of debt even when your income isn't large, Using a 529 to save for kids' college. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. This is the place where we take your calls about your relationships, your boundaries, your career, your money, your job, and your life. It's a free call, and some say the advice is worth exactly what you pay for it. 888-825-5225. Rachel Cruz, Ramsey Personality, number one bestselling author, is my co-host today. As we open up this hour, though, we had a good friend drop by and has a new book out. And so we asked him to sit in for a couple of segments and tell us about it.

The one and only Tim Tebow is with us. Welcome, my friend. Thank you so much. So honored to be here. It's the first time I've been in the new facilities. It's incredible. It's awesome. So you guys are just crushing it and doing so much for so many people.

Thank you for having me and just thank you for what you're doing as well. Well, thank you, brother. For those of you that don't know and i've only watched him from afar uh he is one of the ones that is actually who he projects himself to be you know what i'm saying i mean aka the real deal he's the real deal he's the real thing and so if you thought that that that was tim tebow that is actually him we were just back in the green room a few minutes ago hanging out having lunch and he's the same guy so uh we're honored to have you sir honored we've been able to do a few things together over the years and uh this new book mission possible go create a life

that counts um man you are you you have about six missions going at all times in your life you're you got you're a driven guy a crusader in a whole bunch of different areas at one time. So this is perfect. What's the driving force to do a book called Mission Possible? Encouragement. Encouragement and people's worth, their value, and their purpose in life. And why I wanted to write Mission Possible was because I wanted to encourage people. One, when you know you have a mission, it means you know you have purpose.

And two, when you know it's possible, you have encouragement for endurance and for stamina in your race. And I want to encourage people that it's not impossible to have a life that counts. We get to have a life that truly counts. God has made that possible. I believe he's given every single one of us purpose. He's given every single one of us a mission. A mission means a task or a job someone is given to do. And actually the origin of the word means to send. And I believe every single one of us has been sent here for a mission, for a purpose, for a plan. And that is possible. Possible means to be able. That mission, we are able to accomplish that mission to truly make our life count. And you know, so many people are going to say, well, you know what? I think what I need

to really run after is money, fame, and power, status, and all these other things. And I'm here to say you could have all those things and you could still be empty and not really have anything, right? Be careful if you run after them. You might catch them. You might catch them. But you know what?

If you run after purpose and worth and value and meaning, you might catch them too. You might catch them too. And I believe when you do that, you're going to truly have a life that counts. So what I think is interesting is like what you just contrasted right there, right? Of like what the world, what you feel like would fill you up, you know?

That's right. Power, fame, money, all of these things, right? It's going to make me feel better versus going after almost this not tangible side of life of value, purpose, having something that you – so talk about that contrasting. But that's God's economy, right? We actually think when we give, we have less.

That's not true. When we give, we actually have more in God's economy. And what's crazy is that science and studies actually back that up. We talk about one study from the University of Miami. I know they're in Miami, so it's hard to mention it, but we can. You have that nasty little orange tea thing over there. We'll let it go. It's fine.

That's what grace is for, guys. Honestly, it's totally fine. Gracious for SEC football in general. But we talk about this study, and it's fascinating because these groups write down one thing every day they're grateful for. And then other groups write down things that they don't like.

And then there's different groups in here. And the group that would write down, you think it's nothing, right? One day, write down, or every day, write down one thing you're grateful for. It had a biochemical positive change in their life, in their body, from the inside out, just by writing down one thing they're grateful for. So gratitude changes your life. But also, there's another study about a helper's high. When you choose to actually serve and give selflessly to other people, you also have

a biochemical positive reaction from the inside out. And it's crazy. Wait a second. To actually do these things, to choose to be grateful, to choose to help, not only do I have an emotional response, but i actually have a chemical response for the better that's crazy and you live longer and you have a higher quality of life in the process no doubt yeah rachel's got a gratitude journal that we put out right do i the contentment journal but gratitude's one of the steps to contentment because it is it's like when you're

able to have peace with where you're at, where God's put you. I'm like, there's a level of power there that that brings. There's no doubt. And gratitude is that first step. And I feel like one of the things that we're fighting right now, and we were talking about it before the show right now, is comparison. And why would you, literally another study came out that said 12% of our daily thoughts are spent on some form of comparison. When you are spending your life comparing yourself against other people, what you're really saying is, God, I'm not happy. I'm not grateful. I'm not content of where you put me, and I need to be like somebody else. Listen, if God wanted you to be like someone else,

he would have made you like somebody else, but he didn't. He created you with a design and with a plan to be exactly who you are and to make the most out of what he has given you. You were created in love, by love, and for love, and he has a great plan and purpose for your life. You have a mission, and that mission is possible. But before you can answer that mission, you have to know there is a mission. You have to know that I'm here on purpose. And when you know that you're here on purpose, I don't have to spend my whole life wishing I was somebody else because the God of this universe who is sovereign and control of all of it, in his design and in

his wisdom and in his love for us, he made me who I am for a reason. And he didn't make a mistake and he didn't make a mistake on you. Okay. So for someone out there that's listening and they're like, this is great, Tim. Absolutely. Gosh, I want that. I'm longing for that. Everything you're saying, like, yes. Like how does someone start when someone does feel like that they're in this

cycle of comparison or this cycle of hopelessness? What's the thing to be like, okay, how do I connect to my God-given design? How do I connect to my God-given purpose? That's such a good question. And it's one of the things that we really try to focus on here is we talk about the principles kind of from a very, you know, 30,000 foot view, but then we also want to get into the practical of the every single day. And a lot of people come and say,000 foot view, but then we also want to get into the practical of every single day. And a lot of people come and say, Timmy, how do I know what my mission, what my calling, my purpose is?

And I'll first say, I don't know exactly, but have your eyes ever been open to a need, to a hurting person, to a church that's doing something cool, to a nonprofit that you feel really strongly towards? And has your heart ever felt compassion to want to step up and do something for that hurting person or that person in the hospital or that person in the old folks home

or that person on the side of the street? If so, that's probably God saying, hey, I want you to go meet that need. And when you step out with that little bit of courage, with that little bit of faithfulness, with that little bit of boldness, and you do that, a lot of times you don't know the end road, the end, the destination. But when you say, yes, I feel like God shows you as you continue to grow. And for me, it was when I was 15 years old and I was in the jungles of the Philippines and I met a boy who was born with his feet on backwards. And because of that, he was viewed as cursed, as insignificant, as less than, and he was

a throwaway. But God was like, he's not a throwaway to me and he better not be a throwaway to you. And because of that, you know, I knew that was my calling. And I know until my last breath that that's going to be my calling, is fighting for every single boy or girl around the world like him. And being obedient in the small things. That's right, in the small things. That's good. Tim Tebow is our guest.

Sorry, I kind of got fired up. It's all good. It's all good. We'll just let you loose, man. Let you run. It's good. Mission Possible is our guest. Sorry, I kind of got fired up. It's all good. It's all good. We'll just let you loose, man. Let you run. It's good. Mission Possible is the book. Go create a life that counts.

It came on sale this week. You can pick it up anywhere great books are sold. We'll be back with a little more from the man himself, Tim Tebow. folks having an id theft protection plan has just become a necessity in today's digital world for you and your children the risk of being a victim is higher than ever with all of these devices and time spent online not to mention the scams and hacks occurring every day it really is just a matter of time before you become a victim there are a lot of options out there and even more gimmicks but the only plan i've ever used and ever recommended for almost 20 years is from zander insurance zander blends the smartest cyber and prevention services

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We'll know next week if it's a number one technically, but I am pronouncing it now as a number one. I'm speaking pathetically or prophetically or something. Speaking into existence. That's it. I'm with it here. So Mission Possible. Go create a life that counts.

There is this strange dance we have that mixes into this message um and around here we always quote saint ambrose uh pray like it all depends on god yes work like it all depends on you that's right and so sometimes i meet people of faith who uh need to get off their tail yes and go do something yes and sometimes i meet people of faith who are a little bit too dependent on their own power and they missed out on they missed out on exponential yes because they didn't do both yeah you've got to do the planting it was so that you're going to reap what you sow you've got to do the work you've got to do the discipline no discipline seems pleasant at the time but it yields a harvest of righteousness you've got to do those things and then god comes

along and joins if you keep your arms open that's right i was literally listening to a sermon on sunday and he brought up both of those and then he said do both do both right we need to have faith that that god is is sovereign and god is in control and we need to have faith knowing that that you know we got to do what we're called to do but he's going to do what he wants to do and he he's in control of all of it. But we also are called co-laborers for a reason, co-workers. And also we know that he's given us a mission, a job, a responsibility, but are we truly going after it? Like it depends on us. And honestly, I, that's one of the reasons why my dad is my biggest hero because his entire adult

life he has truly gone after it and i got to see all these other people in the church and they would talk about it and they would raise their hand it was all this cool stuff but i was like but you don't do anything it's it's really cool but man i just i wanted to be like my dad because he was all about it he was he was all about it his whole entire adult life. I saw him loving people that could literally not do anything for him. You see, I didn't want to be that person that I would talk about God's love for humanity. But you know what? When we look at scripture and we look at God's love, which is agape,

the four types of love in the Greek, and agape being most admirable, you know, and the best definition I've ever heard of it was to choose the best interest for another person and act on their behalf. But you know what's in the Bible more than agape? It's agapao. Because agape is the noun, agapao is the verb. It's in the Bible more than agape. Why? Because it's one thing to know about God's love. It's in the Bible more than agape. Why? Because it's one thing to know about God's love. It's a whole other thing to go out there and show God's love, to choose the best interest for humanity and act on their behalf.

And you know what? I think there's going to be a lot of people one day that right now they know about God's love, but man, they didn't choose to go act. Because I think the most selfish thing that you can do is once you have have been rescued is you know about what God sent his son Jesus to do and you believe that what he did on the cross and you believe it counted for you and my pastor always says once you've been rescued you're on the rescue team yeah go be on the rescue team go bring that that mission go bring that message go bring that opportunity to every single person around the world because the most selfish thing you can do is once you know that to hold on to it to not bring and show that love to the world and i don't

want to be someone that that that that knowledge stops with me i want i want to be a i want to be a verb listen i was homeschooled but i know the difference between a noun and a verb all right listen i want i want to show it might be why you know the difference. Oh, you went to Tennessee. We can explain it a little bit. Oh. Whoa. But honestly, you know, I believe every day we share the gospel, but every now and then we use words. Okay.

And when those two match, now I think you have great impact. You need to keep in mind, Florida's a really good school. It is. And I went to Tennessee, and there's a lot of people that went to Florida that work for me. It's cool. Just keep it up. Let's talk about the glory days

and you can talk about the early 90s, okay? You know, it's cool. That is true. I remember when to celebrate I had to look back 30 years. It's a hard reality, Tim. It's a hard reality. No, it's awesome. Let's go back and celebrate Peyton and T-Martin. It's cool hard reality, Tim. It's a hard reality. They just keep coming. No, it's awesome. Let's go back and celebrate Peyton and T. Martin.

It's cool, you know. 96 and 7 were awesome years. When he passed the stadium in the jersey. That's 35 years old. You're like, that's that. It's okay. It's true, though. It's being a ball fan.

We're dedicated. I was talking about the academics. I know. Well, you turned football academics honestly i want tennessee to be good i genuinely do i'm being i'm honestly you're just a nice guy one because i love the sec but two we freaking need them to be good again like come on and they're getting back at least this year they're exciting with their offense a little gunslinger yeah so one of the greatest questions you can ask is does my life change other people's lives for the better that's

one of the statements towards the end of the book and uh one of my best friends pastor that's that's graduated he's gone on to be with the lord used to say if it's not helpful if it doesn't promote healing and it doesn't spread hope why are you doing it yeah and so you get to the end and go you know did i leave an impact? Did I leave a mark? That's right. And that's how you know if you were on mission. That's right.

And, you know, I believe that one of the greatest forms of tragedy is to be successful in all the things that don't matter. And I think there's going to be a lot of people one day that are going to look back and they're going to say, you know what? I was successful in all of these things, but none of them matter. And man, I just don't want to say that or feel that or know that about my life is, you know, I've been fortunate in a few areas to be a little bit successful, man, but success is, doesn't matter. But I do think that every single person that has been blessed to have a little bit of

success, I believe that we can turn that into significance because I believe success is about us, but significance is about other people. And I'll encourage all those people that are listening right now and you've been blessed with success. You have the chance to turn that into significance by looking outward, by looking at people that need you, that need that help, and you can make a difference in their life. Because what are you going to think one day? Oh my gosh, what are you going to brag about in your deathbed? Look at all the success I had. I've been fortunate to talk to a lot of people on their deathbed,

whether that's been in hospitals, it's been in death row, it's been in so many different places, in so many different countries. And very rarely do you ever hear someone talk about an accomplishment. But you do hear them talk about meaning and purpose or you hear them say, I wish I would have done more meaning, purpose, significance, things that actually really mattered. Yep, that's exactly right.

Yeah, you don't get to the end of the thing and somebody worry about what car they're driving. It doesn't come up. No. He with the most toys when he dies is dead. That's right. But I will say this. I'll tell you, honestly, so many times in my life,

I will say that I have gotten caught up in that. I think, man, so many times I've gotten caught up. I thought, man, but if we can win this championship. Man, but if we can beat Tennessee again. Man, but if we can win the SEC. Man, but if we can win this championship. Man, but if we can beat Tennessee again. Man, but if we can win the SEC. Man, but if we can win this championship. Man, but if I can prove the doubters wrong and be a first round draft pick. If we can prove them wrong and get to the playoffs. And those aren't bad things, but too many times in my life they were everything. And God had to say, no, no, no,

that's not everything. That's a game. And it's okay. I know you love it. That's a good thing. I put you here for that. But remember, I didn't put you here for a game. You know, I remember I just won the Heisman Trophy. And then a few weeks later, I was in Thailand. I got a chance to do some cool things. And I saw a boy that was starving on the side of this feeding center that was squatting in this corner of a ditch. And he was wearing an orange and blue number 15 Tim Tebow jersey and I just started weeping because I knew God was pricking my heart saying you think that you're cool or you think that you matter because you just won this trophy and people are celebrating you who's celebrating that boy you see I died just as much for that boy as I died for you and you know what a game's not going to do anything

for that boy but you can so don't remember why you don't forget why you're here don't forget why I died I didn't die for a game I died for humanity I died for that boy I want you to love that boy yeah and that's so much too of like even here on this show when we just

talk about money right like that's like the big arc of it. And it's like, you know, getting people in this place to be free and to have the margin, the ability to go and give, right? Not that we're mad at stuff, right? Whether it's winning a football game

or driving a nice car, whatever. Like all that's not bad. It's not bad. But it's the thing that you're attaching your hope and your joy to. That's exactly right. So I think that's awesome. The new book is Mission Possible.

Go create a life that counts with our friend Tim Tebow. Thanks for coming by, my brother. Thank's exactly right. So I think that's awesome. The new book is Mission Possible. Go create a life that counts with our friend Tim Tebow. Thanks for coming by, my brother. Thank you, guys. I appreciate y'all so much. Thank you. I'm so grateful for y'all. You too, brother. This is The Ramsey Show. Thank you. Rachel Cruz, Ramsey personality, is my co-host today in the lobby of Ramsey Solutions on the Dead Free Stage. Chaz and Karina are with us. Hey, guys, how are you?

We're great. Good to have you guys. Where do you live? Cincinnati, Ohio. Welcome to Nashville. And all the way here to do a debt-free scream, how much have you paid off? $120,000. How long did this take? Four years and five months. Good deal. Good deal. And your range of income during that time? $ to 70. Wow. Good for you. What do you guys do for a living? I work for a payroll company in Cincinnati, and I'm on a leadership team there. Okay.

Started out on the entry level and worked my way up for the five years. Awesome. Good for you. Good for you. And I stay home with the kids and do what I can on the side. All right. There's three of them. What are ranges got your hands full we've got four and a half two and a half and six months oh you got a full-time job no question you're busier than all of us 120 000 is what kind

of debt student loans he points at himself just me me. Just me. My student loan. My stupid mistake. Okay. So what happened four years ago that got you guys on this journey, this Ramsey journey? Well, four and a half years ago, we had Zeke. And we kind of started the journey when we got married. We did FPU when we were engaged and knew that he had a lot of student loans that we wanted to work through. And our minimum payments were so big

and our income was not very big. And it just, I don't know, we just could not get traction. It just took a lot. And then the summer that we had him, we taught an FPU class and we were tallying up the numbers and we were like, what are we doing?

Like, how is it still this big? Um, and so we had been renting a house and we moved back into an apartment and we just started making changes and I started door dashing and doing other things. And, um, yeah, we just were like, we got to do this. Like we have a baby. It's not going to go away if we don't hit it. Right. You guys did it and had multiple kids during the time too which is a feat i'm like i'm so impressed yeah i am yeah it's a lot it is a lot yeah you guys you guys have done a lot in four and a half years yeah yeah big deal a lot of a lot of growing in your career and going up the ladder and a lot of babies coming on and all this other stuff so uh what do you tell people now the key to getting out of debt is? You did it. Yeah, we did.

Well, for us, one of the big things was using every dollar. We had been just using a spreadsheet that Chaz had created that was good, but every dollar is different and it worked easier. It was easier for me to look at it and say, oh, this is how much we have to throw at the loans. So that was a big part. And then God's faithfulness, obviously, really big deal. And then just remembering that as we go along and as we would get discouraged, looking

back at ways that God had provided, things that people had given us, things that we were able to find for next to nothing or free. It was amazing. Yeah, that was a really, really big thing. That's so interesting that you say that because I do find when people kind of draw the line in the sand and say, we're not going to debt. And in fact, we're going to work our way out of it. It forces you to think differently and get creative in life. Right. So as a parent, a lot of people listening have little ones at home. Like, what did you guys do as a family to find things of like, OK, we don't have a ton of money to spend because we're throwing everything at the debt.

So how did you survive four years of sacrifice? What all did you do? Yeah. Well, we had a small business that we ran. We started it before Zeke was born and then we just closed it down this last year. We had a donut pop-up shop that we did on the weekends and it was a lot of fun and it was very creatively fulfilling for me. And then we just realized this year, we're like, we just can't take it the direction we want to right now without going into that for it. But then like my family lives nearby.

So we were able to, you know, do Sunday dinners with them and I cook a lot. We have a good group of friends and we were able to spend time with them, which makes it easier than like, I don't know. They're not like, Oh,

let's all go out to dinner because we don't have kids. They were very understanding, too. Yeah. So, like, it was, the joke was always like, is that in the budget? Yeah. You know.

Yeah. Yeah. That's cool. Well, what it amounts to is you kind of just did what people used to do. Yeah. Like have relationships and cook and stuff. Yeah.

Yeah. Instead of trying to buy your way through something. Yeah. That's fabulous. Very, very well done. Very proud of y'all. Thank you. Great job.

Who was your biggest cheerleader outside the two of you? I mean, both our parents were. I mean, we were blessed with other people that we didn't even really know. A cheerleader gave us a $500 gift card to go somewhere with a handwritten note. No idea where it came from, but someone heard our story or knew what we were going through and wanted to provide things like that. Someone also helped bless us with a minivan that we drove down here to. Yeah. So we've had some people who have really wanted to see us kind of thrive

and get behind us, but our friends and our families, big cheerleaders. So what would be the hardest thing you would say to someone that's about to enter into this journey? What's the toughest thing you did in that four years getting started I think our shovel just wasn't very big yeah it felt like we couldn't do it um yeah we like we because we took you know we did it um the classes we talked about it we kind of had some budget meetings here and there right we tried to keep going but like it was always just very hard to kind of like our you know we're here with our garden shovel here right like and it just seemed like we were never going to get anywhere um and then as you know my job i was blessed in my job with you know getting more raises and stuff and uh we started to see that

oh we can do this or we the extra side jobs and stuff so like yeah just getting started was actually really hard well and until you start chipping away at it it's hard to believe it's actually going to go away yes yeah just standing there looking at it it's overwhelming yeah very but when you start the climb you go well okay maybe and then maybe and then maybe you know you know you just you get that process so very well done you guys very very well done we've got a copy of baby steps millionaires for you number bestseller. That's the next chapter in your story for sure. And another copy of Total Money Makeover for you to give away to someone to inspire them. You guys have inspired a lot of people today just by showing up and doing your debt-free scream.

All right, let's get the kiddos into the shot and introduce them, their names and ages. We want this to be a family affair because it has been all along. This is what happened while they were getting out of debt. That's fun. So this is Zeke. He's four and a half. We have Inez. She's two and a half.

And then this is Liza. She's a little over six months. All right. Very fun. Beautiful family. You guys have changed your family tree. Very well done. We're proud of you. You're heroes. Great, great work. Beautiful family. You guys have changed your family tree. Very well done. We're proud of you.

You're heroes. Great, great work. All right, Chaz and Karina, Zeke, Inez, and Eliza from Cincinnati, Ohio, $120,000 paid off in four years and five months, making $45,000 up to $70,000. Count it down. Let's hear a debt-free scream. You guys ready? Three, two, one. hear a debt-free scream you guys ready three two one that is how it's done right there oh man absolutely fabulous absolutely fabulous

precious family yeah so a lot of times we hear well people i don't make 200 000 a year well they don't they made 45 yeah and they started and during the time they go to 70 and single income she's full-time stay-at-home mom uh they do the side hustle with the donuts the pop-up donuts and they look good the pictures of them look good i kind of want one right now but um but the uh man i mean it's uh uh that's those numbers are it's this is very this is a long journey and there's nothing flashy yeah it's little tick tick tick tick tick and then the wall falls yep it's that diligence you know that we were talking about earlier i'm like man being faithful and being diligent and the small day-to-day stuff is what moves the needle right and especially with this situation you're like that's it that's what they did the hardest part

was getting started yeah because you're overwhelmed and again like she said she's like yeah we're looking at our shovel and it's a garden shovel compared to the student loan and the student loans i think sometimes are the hardest because at least a car loan you're like can we sell it can we not there's a tangible thing. I don't know. But Sallie Mae, it's like it just. $120,000. And everyone has it. You know what I mean?

I'm like, you can justify yourself out of that. And so the fact when people buckle down and they do it on just that, I'm like, it's impressive. And they are. They're incredible. And now they're free. Now they're free. Completely not free. They're free.

They're free. Did I mention they're free? This is good stuff. I love it. Very well done. This is The Ramsey Show. We'll be right back. Rachel Cruz, Ramsey Personality, is my co-host today. We will be in Dallas on October the 22nd for the SMART Conference. It's our biggest event of the year. All of the Ramsey Personalities, plus Craig and Amy Groeschel, will be speaking on marriage. It's going to be a huge deal.

Rachel, the tickets are selling so fast that if you don't, I know it's October 22nd, but they're going to sell out. This thing, the Smart Conference exploded. It's going crazy. I think people were kind of waiting for us to get back out there. I mean, you know, they're ready. I think they're ready to do anything. They're ready to go do stuff, yeah. And the wealth building tickets are selling, ready to go do stuff, yeah. And the Wealth Building tickets are selling.

Building Wealth tickets are selling, too. It's Rachel. George and I will be doing an event called Building Wealth, and it'll be in Orlando on May the 19th. It just went on sale, and it's selling like crazy. Thank you, guys. We appreciate your response. But for the rest of you that have not yet got your tickets for the Smart Conference

or the Building Wealth conference in Orlando, you do need to go and get them. The tickets aren't that much. And go to RamseySolutions.com slash events. Pick them up immediately because it appears there's like a, I don't know, a pent-up demand or whatever you call me. A lot of people want to do something. Be with people. Yes, yes, yes, yes. And they're fun.

We love our events. So we're excited to be back out as well, to be with you guys. Yeah, to get out and hang out with people again is just going to be. And Building Wealth, we're going to do book signings there and everything. Absolutely. And Deloney and Coleman, Ken Coleman are coming. And we're going to build them into the event as well. And they'll be doing book signings.

So every one of us will be signing books. Every one of us will be doing stuff. We're looking forward. The the building wealth events are small they're only about 2 000 people and so that's why they're going to sell out really really quickly i think that one's already almost like half sold out in like four days yeah it's just it went fast so if you want to come or orlando we're going to be announcing uh five other cities soon on the building wealth uh one more in the spring and four in the fall. And we'll let you know those as soon as we can get the venues under contract

and let you guys know where we're coming and when. But that's going to end up being a tour is what it amounts to. Because we're just, all the Ramsey personalities are like, we've got to get back out there. It's crazy. So we're excited to be out there teaching again. We love a live stream, but also we like being with people more. I don't love a live stream, but also we like being with people more. Yeah.

I don't love the live stream. But, I mean, it's easy to do, but it's a lot less trouble than doing a venue and taking a tractor-trailer load of stuff across the country and all that kind of stuff. But there's just something about being with human beings that's a big deal. Hannah is with us. Hannah's in Maryland. Hi, Hannah. Welcome to the Ramsey Show. Hi.

Thank you so much for taking my call. Sure. What's up? So I kind of have a two-part question. As of about three weeks ago, we finished Baby Step number two. Nice. Congrats. Thank you so much.

It was a journey. But so we are, we started our 15% towards retirement for baby step four. And now we are looking at college savings for our kids. And I'm just spinning in circles. We have four kids. They range from 10 years to nine months. And my amazing in-laws started 529 plans for all of them when they were babies. And so we don't know where should we start saving money for them since they do all already have 529s that have been started? And should we contribute equally to all four of them or start with the oldest one and move our way down?

Yeah, it's a great question, Hannah. Actually, my husband and I in January, we sat down with our SmartVestor Pro and looked at everything, including the 529s for the kids and realized we didn't open one for little Charles. So we were like, oh no. And so we were looking, looking though to see how to, what it looks like and run the numbers. So I would say first and foremost, Hannah,

I would sit down with a smart investor pro because they're gonna be able to tell you, hey, here's what the market's doing. Here's what it looks like. They factor in inflation and tuition and all of that. And you're gonna be able to see the growth that your money's gonna have. And yeah, depending on the age of the kid

is gonna depend on the amount of money you're gonna to need and all of it so there's multiple um options here but sitting down to run the numbers is what's key and having somebody in your corner to help do that for me just gave me a peace of mind yeah but i it is not fair is not equal and so if you've got an older child it's going to you're going to need to put more in for the older child than you put for the younger child because the younger child's got more time for the money to grow, and so the point is that we're going to take care of each of them's school, and it takes a different amount of money

to take care of each of them's different schools, so that's perfectly fine, and they can help you run the calculations with a SmartVestor Pro. Seth is in Boise, Idaho. Hi, Seth. How are you? Great, Dave. How are you? Better than I am, sir. It's an honor to speak with you. You too. I love to hear it. Hey, so I've got a quick question. My wife and I are trudging through baby step two. We have about $27,000 in debt, and we're about 20 months left on our plan. And I'm working about 80 hours a week with my full-time job. I work remote doing software, and then drive Uber in the evenings. And so I'm hustling really hard. What's your household income? So my full-time job, I make about $105 a year before taxes.

And then with my Uber, I can make, last year I made about $20,000. Well, that was before expenses. After expenses, it was like $7,000. And that was only driving about half the year. So, this year, driving all the year, I figure I'll probably double that. If you're making $125,000,

why is it taking you a year to pay off $27,000? Well, I guess that's just with the plan, the way we've got it set up, we're putting $1,500 a month to our debt plan. Why? Well, it's just because that's –

Where's your money going? Well, the money – we have six kids. We have kids in college. We've got – yeah, there's just a bunch of – Okay, that makes sense. The house, everything, yeah. So there's a bunch of different stuff going on. We've got – so, yeah.

Okay, so I'm sorry. I just was trying to get clarity. So what's your bunch of different stuff going on. So, yeah. Okay, so I'm sorry. I just was trying to get clarity. So what's your question? How can we help you? Well, my question is, so my wife came to me today, and she's just getting really frustrated. And she told me she feels like she's fearful that I'll continue the grind even after we're debt-free.

Why is she fearful? And I'm wondering. Well, I don't know. I don't know if it's just the, we've been doing it for so long. And, you know, we're, we've just now, I've gotten my income up over the last two years before it was down in the 75,000, that kind of thing. It's just in the last couple, about a year that we've really said hey we can do

this we can you know really make some extra money and and throw it towards but what have you said or done that made her think you want to do this like 80 hour week as a as a way of life um i don't know maybe it's maybe it's the way I, um, like, cause she'll sometimes say, well, I'd really like you to come home. You know, it's 10 o'clock at night and I'm still out driving and, and, uh, and, and, and I'm going, well, I'm not at my goal yet. I got to hit my goal for the day kind of thing. So she, so, she probably feels disconnected from you, Seth. I would think as a wife,

I think in this process, one of the things is that you do, there's so many hours in the day, and if you're applying all those hours to working and getting out of debt, which is awesome, it's the gazelle intensity. But the relational factor, if there's not the connection and she doesn't feel a level of somewhat safety even, and like, hey, yeah, we feel connected in this, this is the grind, but we're on this team together,

versus a him versus her, and you're missing each other all the time. And you go in marriage like that for a long time, that takes a toll on your marriage. And so there's a level that I would have and say, hey, let's have boundaries around this. And there's a certain time, maybe at night, so many nights a week that I'm home at this time. And when we're together, that you guys are spending quality time together too as a married couple because in this process it should actually what we find help your marriage and even though there's a lot of sacrifice involved versus tearing you guys apart I'm hearing it being torn apart and I just kind of have some red flags going up yeah I think you

need to make sure we're both on goal and we identify what the goal is and what happens when we hit the goal meaning that we're going to knock this we identify what the goal is and what happens when we hit the goal. Meaning that we're going to knock this debt out and then I'm immediately going to not do Uber anymore. And I'm immediately going to back down to X number of hours as soon as we're debt free. And you got to lay that out. I also think that the two of you are not doing your budget together because there's still a lot of money missing. You got six kids and a couple in college okay that's that explains a lot of where some of your money's going but still 1500 a month out of 120 000 that's only 18 000 a year i'm gonna

want to dial that in and maybe that's her part of this and she helps dial the home place in to get you off the road even faster. But you've just got to make the time to stay connected, as Rachel's saying. Good question, brother. Keep at it. You're going to get it. Just make sure you stick with her. This is The Ramsey Show. Hey, it's Rachel Cruz, co-host on The Ramsey Show. If you want to do your debt-free scream live on the show, visit ramseysolutions.com slash debt-free scream. We'd love for you to come to Nashville and tell Dave your story. That's ramsaysolutions.com slash debt-free scream.