The Ramsey Show - App - To Win With Money You Have To Save It, Give It, AND Enjoy It (Hour 1)

Episode Date: November 16, 2021

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Music Music Music Music Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, 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. I'm Dave Ramsey, your host, George Camel. Ramsey Personality is my co-host.

He is also the host of The Fine Print, our newest and most popular podcast right now. People are Zooming in, wanting to know what is in The Fine Print. This week's episode, all about Christmas, getting ready, and making sure these things happen. So we have a new book coming out today. The pre-sale on it starts today. I've not written a major trade book in eight years. Ramsey Personalities have done them all. And the last one I wrote, I co-wrote with Rachel, which was Smart Money, Smart Kids,

and that was the number one bestseller. So we've been putting all of you guys, you Ramsey personalities, forward, including King Coleman's book was actually hit the street last week and will be a New York Times bestseller, I'm sure, or a national bestseller, I'm sure, as was Christie's Take Back Your Time. Christie writes a book a few weeks back, a few months back. And so this book will actually be on the street on January the 11th. It's called Baby Steps Millionaires, How Ordinary People Built Extraordinary Wealth and How You Can Too. And Ramsey Personality at the time, Chris Hogan did a book called Everyday Millionaires here that was a bestseller and a big seller, did very, very well. And it was all about the study that we had done and all about the research that was done

on millionaires. And Everyday Millionaires was about everyday people who had become millionaires. While we were doing that, I started seeing that the baby steps, us teaching the baby steps, was often resulting in people becoming millionaires if they followed the baby steps. And so a subset of millionaires out there is the ones that have actually followed our baby steps and have done it. And there's tens of thousands of them that are millionaires uh but uh we see them on the debt-free stage all the time it's not unusual for someone to do a debt-free scream with their house being paid off and with their paid for home in conjunction with the current balance on their uh retirement plan that they have a million dollar net worth it's not that unusual

at all and so we're seeing baby steps millionaires in our lobby all the time we're seeing them at our events they're everywhere yeah i've loved having a front row seat meeting these people. And there really are people you'd never even realize are millionaires because they're not lavish people. They're the everyday hardworking people who follow these steps. And over the course of five, seven, 10, 15 years of following the steps and paying off their home early, go figure, they become millionaires. Yeah, absolutely. It's a slow and steady way.

And so if you are deeply immersed in the Ramsey stuff, and you're following the baby steps to a T, and you've read the Total Money Makeover, and you're doing it exactly like we teach there, you may not need to read this book, other than for the inspiration of all the people who have actually become millionaires before you, that are encouraging you that you can do it. So it's all about stories of people that have really done it from any possible background, and they followed the baby steps. And it's about the detail inside the investing side of the baby steps, baby step four, five, six, the things that lead you into becoming a millionaire. It's not about getting out of debt. It's not about budgeting. You know, it's about the baby steps. Here's what they are. And the important ones for the millionaire part is you get out of debt so that you can invest, so that you can invest in your retirement, so that you can invest

in your kid's college, so that you can get your home paid off, so that you can increase your generosity. And the stories of these individuals that have done this and mixed with just our 30 years of me sitting in this seat is what birthed this book. And so it is different than Everyday Millionaires, Chris Hogan's book that we published. Everyday Millionaires is all about the study. And this book is all about the exact baby steps, exactly how they lead you to millionaires. It's also about the things that the myths that people believe that they say, well, I can't get there. People like me can't get there.

And we break a whole bunch of that down. Or the myth that I can't get there because I really wouldn't want to get there because wealthy is evil. You're evil if you're wealthy. And so we address some of those things as well. Addressed a little bit of that in Legacy Journey as well. And so I don't have a whole lot of new ideas. So if you've read everything I've written and you listen to this podcast every single day, this book is not going to be like, wow, that's a whole new thing. It's not.

I thought you were going to unleash baby step eight. No, it's more of the same. I mean, it is more of the same. But if you really want to see and you've got this friend who says, well, it's not possible today. This is the proof text. I can show you that not only is it possible, it's probable that you would become a millionaire if you do exactly what we show you to do because it's been done tens of thousands of times. This is not a theory. Yeah, and a lot of people have theories. They go, well, Dave, I disagree, and here's my theory.

If you do this and you do this and you get fancy over here, that's going to be a faster way to become a millionaire. What I love about this book is it's you saying, hey, we've created thousands upon thousands of millionaires, and here's what they did, and you can too. So I'll go ahead and tell you, you know, like it already went on sale, pre-sale this morning, and I was just reading some of the comments on Instagram. There's always some butthole on Instagram. And he's like, oh, just another Ramsey book saying the same thing. Yeah, you're right, dude. Actually, you're fairly right. We book saying the same thing yeah you're right dude actually you're fairly you're fairly right we are saying the same thing that we've always said because it continues to work and yet this is a different way looking at now we did publish the

entire study for the millionaires that was done for the Chris Hogan book the night Ramsey it's my study I mean Ramsey Research did it I own company. And so Ramsey Research's study, the largest study on millionaires ever done, is in the appendix as backup material. And so, you know, you'll get the – you can read the study, and you can see here's how the baby steps work, and here's how mathematically with, like, stuff like arithmetic, you know, that will cause you to be a millionaire. The proof is there and so it if you've got a friend who doesn't think they can do it this is your book to tell them they can do it if you're wondering if you can do it this is the book that'll

tell you you can do it if you're halfway through and you're getting a little tired this is the book that'll remind you if you stay stick with it you're going to be able to do it um and i also wrote a chapter in this that i thought was interesting um my editor honestly didn't agree with me but uh i think that people don't go for millionaire because they confuse millionaire and billionaire millionaires don't have private jets millionaires don't have six homes and seven cars. Millionaires don't drive $250,000, $400,000 Lamborghinis. That's what billionaires do. And a billionaire is $1,000 million. Huge gap.

If you have $10,000, you are much closer to being a millionaire than a millionaire is to being a billionaire. Wow. And so if you see like Jeff Bezos flying into space, and that's what you think of when you think of millionaire, you've got it wrong. And if that keeps you then from becoming wealthy as a millionaire because you thought it was something it wasn't, I thought that was something that needed to be addressed.

Yeah, that's interesting. I did address it. So it's very, very math on it's very interesting. I love ratios and that kind of stuff. That sounds nerdy. I like it. Yeah, it's very, very math on it. It's very interesting. I love ratios and that kind of stuff. That sounds nerdy. I like it. Yeah, it's very in there. So baby steps millionaires at RamseySolutions.com.

It's all in there. And, of course, if you order, there's $100 worth of bonus items, including the audio book, the e-book, the Legacy Journey audio book and e-book, the Baby Steps Millionaires live stream, Ramsey Smart Tax, and a 30-day free trial to Ramsey Plus, all included if you pre-purchase. Most people know me as the guy who did stupid with a lot of zeros on the end. I made my first million dollars in my 20s the wrong way and then went bankrupt. That's when I set out to learn God's ways of handling money and I developed the Ramsey Baby Steps.

By following these steps, I became a millionaire again and this time the right way. After three decades of guiding millions of others through the plan, the evidence is undeniable. If you follow the Baby Steps, you will become a millionaire and get to live and give like no one else and now i'm excited to share with you that i've written a new book called baby steps millionaires and it's available for pre-order right now you'll learn how ordinary people built extraordinary wealth and how you can too i'll walk you through how to invest build wealth and bust through the barriers preventing you from becoming a millionaire. For those who are ready, it's game on.

You can baby step your way to becoming a millionaire. Pre-order your copy today at Ramsey personality is my co-host today. I'm Dave Ramsey, your host. This is the Ramsey Show. Common sense for your dollars and cents. Open phones at 888-825-5225. Robert is in Indianapolis. Hi, Robert.

How are you? Good. How are you today? Better than I deserve. What's up? Great. So I had a question for you. My wife and I have for several years been thinking about buying a vacation property overseas,

specifically in Paris. It's been a long-term dream. Cool. And with the pandemic and whatnot, we found that, you know, this might actually be more workable than we thought before, and we might be in a financial position to do so. We've got full-time jobs and kids, so it wouldn't be something that we'd use more than initially about eight weeks a year. But we've had a hard time transitioning from earning to enjoying, and we just aren't really sure that this makes financial sense for us at this point in time. So I want to get your opinion

on that. Okay. What's the apartment cost? About $1.1 million. And what's your net worth? Just short of $10 million. Okay. All right. Well, that's a very reasonable ratio, and you'd be paying cash for it, I assume? Yes. Good. Okay. All right. So you're going to spend 10% of your net worth on a toy yep i think that's reasonable i don't have a problem with like a very big jump it it is a big toy so i have a couple of properties that are not my main residence um the very first time i did this i bought a $103,000 lake house and when I pulled that $103,000 out and it wasn't much of a house as you might imagine but it was on the lake shut up and there was a dock so be quiet and so which is all I wanted I just wanted a place to camp near the boat right but uh it was a little bitty brick house and a cute little house and I pulled that money out of my mutual funds and I broke out into a cold sweat it was

really hard for me to do that's what you're experiencing except you got another zero on it right that's that's pretty much exactly it we've just found it like I said very hard to think that psychological change from from earning to enjoying and not letting things get out of control, which is probably where we're a little uncomfortable with the idea. The thing that Sharon and I do and that we teach to high net worth individuals all the time, two things will help you with that. One is ratios, and the ratio is that you're spending 10% of your net worth on this. So the way we look at ratios is this, for a toy, a luxury item. If we put that much money in the middle of the kitchen table and set it on fire, would our life change?

Answer, in your case, no, it would not change. Not much. Other than you'd have a severe depression over having burned a million dollars in the middle of your table but but i'm saying mathematically mathematically you didn't ruin your life now let's say you put five million dollars in there now i'm starting to worry about this is not a good idea you follow me on the ratios Now, if you put $5 million in there and your net worth is $500 million, once again, we're not really worried about it. No. Okay?

See what ratios do, right? And so when they say that, you know, so-and-so builds a billion-dollar house, but they have a net worth of $200 billion, the ratio is that's not not spit even though that's a lot of freaking money for a house right so ratios are one thing and in your case that's why i was real comfortable that the second thing that we do is also on ratios we always watch our generosity and we want to make sure that we are giving and that we're filling up the Ramsey Family Foundation and we're doing other stuff to help other people that is equal to our luxury spending or greater. And that also tells me that I'm spiritually balanced and in check. This is not all about me. I'm not in hedonism mode where if I just get more stuff, I'll be happy.

And you're not that guy either. I can hear it in his voice, can't you, George? Yeah. He's not a lavish guy. This is something they've worked really hard for. And you said it's been a lifelong dream, Robert. And it's not a car. I mean, this is a house.

So this is going to hopefully hold its value over time. I would think. It's not a depreciating Lamborghini. Yeah. And so I feel good about this purchase. It's just the emotions that you're dealing with that's really the hindrance here. I guess the third thing that kind of mixes in there for a guy like you and a guy like me that knows numbers is a second home, a luxury item, never makes mathematical sense. Never.

You can never buy a yacht and figure out what it costs you per hour to use it it'll make you throw up you can never buy a lake house and figure out this cost me so much a night to stay here when i stay at the lake house which i've got a lake house if i ever add that up it just will make my head hurt make my head explode right but it's not about that it doesn't make sense you'd be better off to rent a b&b airbnb you'd be better off to rent something a thousand times before you bought you can you could you could rent an apartment eight weeks a year in paris for the rest of your life and still not spend a million dollars exactly and you'd probably laugh at the car I drive, because the juxtaposition there is what gets me getting there.

So it doesn't make sense financially. A $50,000 car doesn't make sense financially, because like you said, both of the $500 car and the $5,000 car will still get me to the exact same location at pretty much the same time with pretty much the same reliability. And so the point is you've earned it and you can enjoy it while you balance it with ratios and generosity. And if you do all those things, it'll help you walk through this spiritually and emotionally because that's really all you're struggling with.

Are you agreed? Absolutely. Is it a good time to buy real estate in Paris? Is it sucking over there? I don't know. Well, it's not as strong as it has been in the past. It hasn't run up like it has here in the United States lately. So you can get what we would consider something decent and a good section of Paris for.

I know it's not measured in square footage. It's probably measured in hectares or something, but what's the square footage you get for $1,000 or for a million bucks in Paris? Well, it depends what part of the city you're in. I know, but what are you looking at? About 800 square feet. Yeah, okay. So it's like uh comparative to manhattan

yeah roughly speaking new york san francisco yeah okay robert i'm just curious how did you get to a 10 million dollar net worth what was the key well you know i when i was young my father worked in the aviation industry in the 80s and the 90s, where it was up and down just like crazy. And I remember growing up when I was in middle school where, you know, things were not good. I could tell that my parents were concerned, even if they didn't really communicate, that there might be a job loss in the future. And I learned very young that I was not going to be in a position

where someone else or some other circumstance controlled my life like that um so you didn't you didn't inherit any of this money no what's your career field uh engineering okay number one of uh baby steps millionaires number one in the millionaire study that we did so you just invested like crazy over the course of your career yeah when i graduated i realized that you know if i was earning 30 and i saved 10 that was you know some time that i could buy back for myself but if if I was saving 20, I could buy back more time. So I dialed down my spinning when I was young, really low. How old are you?

And just packed it away and saving 45. Wow, you slammed it. Well done. Good job, man. Maybe a little too much. No, I think, well, yeah, you do need to loosen up now because you've not practiced the enjoyment muscle and you may not have practiced the enjoyment muscle, and you may not have practiced the generosity muscle enough.

Both of those muscles may be underdeveloped. And so the enjoyment muscle and the generosity muscle need to come with the saving and investing muscle. All three muscles must be built to have a good life with money. And it's actually what we talk about in this new book a lot. In Baby Steps Millionaires. We talk about this stuff a lot. A lot of the same things we just talked about with him. And, by the way, it went on pre-sale today if you're joining us late in the hour here. Thanks, Robert. That was a great discussion.

Awesome. $10 million. 45 years old. Amazing. Buy a million dollar, 800 square foot flat in Paris. Not a call I've ever gotten in 30 years this is the ramsey shop In the lobby of Ramsey Solutions on the debt-free stage, Tim and Michelle are with us. Hey, guys, how are you? Hi.

How are you? Great. Welcome. Good to have you. Where do you guys live? Omaha. Omaha, Nebraska. Yes. All the way to Nashville to do a debt-free scream. How much you? Great. Welcome. Good to have you. Where do you guys live? Omaha. Omaha, Nebraska. Yes.

All the way to Nashville to do a debt-free scream. How much have you paid off? We paid off $111,500. Way to go, guys. And how long did that take you? Four years and eight months. All right. I love it.

And your range of income during that time? We started off at a little over $84,000, and we finished off at a little over $95,000. Good for you guys. What do you all do for a living? I'm a radiology technologist specializing in MRI. I'm a welder. Very good. Cool.

So what kind of debt was your $112,000? A private student loan was the bulk of it, two car loans and two credit cards. Oh, we're kind of normal. Yes. How long have you been married? About 20 years now. All right. Well, congratulations.

Thank you. So four years and eight months ago, you started Ramsey Journey. Tell me about that. What happened? Well, it started when we moved from California to Nebraska. I was pretty gung-ho about paying off our credit card debt, and my coworker noticed this, and she gifted me your book. Thank you, Jessica Gill.

Way to go. And at the time, though, I was doing such a good job that I didn't think I needed to read it. So I kind of tossed it aside. And we moved to Nebraska. Things were going well. We bought a house, and we didn't think I needed to read it. So I kind of tossed it aside and we moved to Nebraska. Things were going well. We bought a house and we didn't have any furniture. So I started using the credit cards again, of course. Tim knew better than me. He let me do what I wanted. I can tell. Because I'm a really thrifty shopper so things were going fine um of course i maxed out the credit cards filling up the house um but things were still under control i had this all under

control uh and then of course life happens and both the cars decided to crap out on us at the same time no yes and they were both saturns so we were told that they were not worth what it was going to cost to fix them. Yeah. So all of a sudden I looked up and we had two car loans, two maxed out credit cards, a mortgage, and still the student loan. And I thought, you know, maybe I should read that book that Jessica gifted us. Was it a paperweight up until that point? Pretty much, yeah. A coaster. And so I read it, and I got through it in a week, and absolutely loved it. And I rushed to Tim, and I said, you have got to read this. We need to do this.

He rolled his eyes at me, and he said, we do not need a get-rich-quick scene. And I said, no, no, that's not what this is. I like Tim. Yeah. I like Tim. And so to placate me, to shut me up, he said, fine, fine, give me the book. Three days. He read it in two days. And he said, we're going to do this.

Yeah, that's exactly what he said, yes. And right after that, and I said, okay, now I heard of this thing called FPU. And he's like, okay. So we got through that. We did that together. You went to Financial Peace University. Yeah, we bought it online. And we were so excited every night to do that. Wow.

And we immediately started, and four years later, here we are, five years later. Just binge-watch FPU like Tiger King or something. We really did. We were so excited every night to watch that, yes. It was. That's incredible. So at what point did you go, oh, this isn't a get-rich-quick scheme. This is get-rich-slow?

When I read the book, I was like, this is not a get-rich-quick scheme, it's something we have to work through and go through all the steps. It's a process. So four years and eight months, what were those things

that you did tactically that actually made you see the progress? You know, when I started the budget, I got really scared because in the beginning, the bills really didn't match what we were making. And I was scared that we weren't going to be able to do it. But just starting the steps, really just starting out and just making the small amount of progress, making the little changes here and there, not spending as much on the grocery, not eating out. That was a real big one for us. Yeah. Making that changes to not eat out so much, saying no to the kids.

Those start to add up. You think that those are small changes that's not going to make that much of a difference. But the next month and the month after that, all of a sudden, oh my gosh, it really is. And I'm like, and we are making progress. And then you start to see the dents becoming bigger and bigger. That's incredible. So did you guys have cheerleaders along the way or did people think you were crazy other than your friend who gifted you the book we had our kids our families

but there were some people that were thinking we were nuts those motivate me more than the cheerleaders I think our teenagers actually were our biggest cheerleaders we shared everything with them along the way

because we didn't want them to fall into the same trap. They really motivated us. Did they get involved in the process? They did. What were they doing? They honestly I remember our kids

the most when I would make big progress and I would say, we finished off a card and I would take down our charts that we would color in. The boys would come, I want to finish it. I want to color it in. I want to do it.

I was like, wow, they're teenagers and they actually want to do this? I'm like, oh, that's great. Yeah. They saw it as an art project yeah that's great no very cool very cool well done you guys all right when somebody asks what do you tell them the key is i want to get this right because this is important to me okay um to me the secret to this is creative tenacity good phrase. Haven't heard that one.

Yes, thank you. I'm speaking to everyone who feels like that their particular life does not allow them to work the problem. When we started this journey, we both were working jobs that did not allow us to have second jobs. We had crazy shifts. And we didn't have anything that we could sell either.

So like I've heard you say several times, Dave, if that is off the table, what do you do? You donate plasma. And while you're lying on that table, you do as many online surveys as you can. Okay? Then also, you can download a lot of cashback apps like Ibotta or GetUpside or Rakuten.

These are small things, but they can add up. I got about $2,000 just from those apps alone. You can also wrap your car. Okay? Did you do that? No. I tried. We would call.

Yeah. I tried, but Omaha, Nebraska apparently isn't a big enough area. Yeah, okay. But, I mean, I looked into it. That's fun. Yeah, exactly. I would do that. Not now, but I would have done that thing.

Exactly, yeah. I'm not wrapping that card. But we also were able to rent out a room in our house. Maybe these ideas don't work for you, but you can find something that does work for you. Amen. don't work for you, but you can find something that does work for you. Amen. The point, and there's a lot of great ideas on Pinterest. The Dave Ramsey website has articles that list a lot of the apps that I didn't list.

And Facebook, the Ramsey Baby Steps community, there's a lot of collaboration going on there, ideas being bounced around. The point is you can be creative without being ish. Just don't give up. That's good. This is totally possible. Don't quit. Bring her in. Make her in charge of the marketing.

Yes. This is incredible. This is great. Yeah, man. I'm telling you, creative tenacity. I love the phrase. I'm so proud of you guys. Thank you.

How does it feel to be free? What's your phrase? It's amazing. It's great. No, what's that phrase? It's amazing. It's great. No, what's that word? Remember? The word? Relief.

Relief. Relief. A lot of relief. That's it. Yes. Yeah, that's a good word, too. Creative tenacity and relief, the themes of the story. I love it.

Well done, you guys. All right, Tim and Michelle from Omaha, Nebraska. We've got a copy of the legacy journey for you that is the next uh chapter in your story for you to be one of these baby steps millionaires we've been talking about this hour and of course another copy of the total money makeover for you to give to somebody because that's where your whole journey started and that'll be perfect for you you can pay it forward well done tim and mich and Michelle, Omaha, Nebraska. $112,000 paid off in four years and eight months.

$84,000 to $95,000 income while using creative tenacity. Count it down. Let's hear a debt-free scream. 3, 2, 1. We're debt-free! We're debt-free! That's how they do it in Omaha, ladies and gentlemen

There's some tenacity right there I love it This is the Ramsey Show We'll be right back. Thank you for joining us, America. This is The Ramsey Show. George Camel is my co-host today, Ramsey personality, host of the very popular podcast called The Fine Print on Ramsey Networks. Be sure and tune in. This week's version is all about Christmas spending, and you will get some real insights.

Sandy's with us in Annapolis, Maryland. Hi, Sandy. Hi. Thank you so much for taking my call. My honor. How can we help? So we started off doing the baby steps many years ago, and that, of course, got easier and easier as my husband's income grew, as his business grew, and we are now 100% debt-free,

including owning our own farm. Congratulations. Well done. Thank you so much. I really appreciate it. The only thing is we haven't moved on to meeting with a smart investor pro yet because COVID hit and my daughter's immunocompromised and I just have been trying to stay away from, you know, offices and things like that. So we

do have money just sitting in the bank, not doing anything. And that's honestly okay with me because i'm really unhappy living where we are um there's no internet i homeschool my kids everything's at least 45 minutes away including a decent grocery store any of their um homeschool events are really like 45 minutes away and i would really like how are you doing homeschool events if really like 45 minutes away. And I would really like to do it. How are you doing homeschool events if you're not seeing people? Well, like if they have swimming lessons. With other people? Well, we set it up so that it's private with just the instructor.

Oh. Anything like we also do small classes well i don't be mean or anything but if a swim instructor is safe so is a smart vestor pro yeah you know this is just we just started again like and so that is on my list of things to do like we just picked up again this year so you just can't be selective about who carries the disease that's not up to you oh no no okay it wasn't at all okay last year we stayed out of everything and it was last year that we were ready oh last year to be the smart investor pro yeah so it was just i've just been really busy and yeah we if you can get the swim lessons honey you can get to see an investment investment and they do it over zoom now too now, too. So you could easily meet virtually and talk with them still and have that conversation.

Okay. I'll stop beating on you. What's your question, darling? So I want to move so that we can be someplace where it's not so hard. Like we have internet. Like I had to come outside to call you um things so what will the farm sell for uh i think it'll sell for about 650 okay um but the problem is is that we really need to buy something first um and then um move because the kids have horses and stuff. And we still have to finish our kitchen and our master bathroom here at this farm

before we can put it on the market. And it's kind of hard when you've got three kids to do. The house has been under construction since we bought it. When did you buy it? We bought it about eight years ago. You have a construction project for that's gone on for eight years well like each thing like we've done the floor we've done the um other bathrooms the bedrooms you have plenty of money why have you not gotten this done because my husband doesn't want to spend any money he he will only do the things by himself and um he won't

hire anyone to do it how much money is in your bank account in my bank account is 520 000 okay here here's what you would do if you were wise and I don't know if I can talk you all into doing this or not. If you were wise, you would take some of that freaking money that you have hoarded in that bank account, and you would finish this construction project that has gone on so long, it's like Noah building the ark. You need to get this done. And then you need to get this house on the market,

and you need to sell it. And when you sell it, you need to take your $1, hundred thousand dollars that you will have in your pocket and go buy you something yes okay i don't even need to buy something that big i you don't need to buy anything until you get this construction project done and this farm sold okay now ready set, go. Get it. Get it. Get it. Okay, so taking a mortgage on a new place isn't an option then? No. You have $500,000 in your checking account. You're not taking out a mortgage. Well, see, my husband is only willing to move if we spend less than the $520,000.

I like him. To move into a less rural area. So, darling, listen. Here's the deal. If you want more than you have in your checking, if you want to spend more than you have in your checking, on the move, you and your husband and I are in agreement on one thing and one thing only, and that is the farm must pre-sell

to do that. But you cannot do that. You have drugged this out forever. It's got to get over. It's got to get over. It's got to get over. I'm hearing a lot of, well, here's the thing. Well, Dave, you've got to understand. My husband, he wants to do it this way. You all got to get on the same page and start to make some moves.

Yeah. Task orientation here. It's like molasses. Yeah. Task orientation. We need to decide on what the project is, what the elements of the project are, and then get it. Get after it. Y'all are just wondering generalities.

I don't care if you want to buy a $400,000 or $500,000 house with this $500,000 cash. That's fine. Go buy you one. That's okay. I don't recommend that, though, because I think you will have another eight years working on this stupid farm. And I don't think your husband wants to move at all. I think that's the other problem. He's figuring out a way to sabotage this because he likes the farm.

Drag it out. He likes the farm. You like a good farm, Dave. I like a good farm. I don't like 45 minutes to nothing. That's okay. That kind of commute is for people in other worlds other than mine. But, yeah, no, I just, but, oh, man.

Yeah, here's the thing. You guys have done an amazing job being frugal and saving up a big pile of money. Don't mess this up by not having enough task orientation to properly follow through on the different elements of your situation. So wherever you want to end up, you need to properly follow through snappy, which is not what you've been doing, in order to get the best situation for all of you. So good question. Open phones at 888-825-5225. So

let me be real clear so that some of you that don't have anything to do, I'll help you with your Twitter account, okay? You don't have enough to do, so you want to be a troll, okay? You giving them free tweets here? Yeah, I was not picking on her for wanting to be separated from people due to having a daughter with an immune disorder. I completely agree with that decision, as a matter of fact. But you cannot choose between swim instructors and financial advisors. Both are as apt, one is apt to carry COVID as the other. And so you cannot use that excuse for kicking the can down the road.

If you're going to say we're not seeing any humans, that means any humans, including homeschool humans. They qualify as humans. And one is as apt to carry COVID as another. So if that's your concern and that's what you're doing, you have to be consistent in your critical thinking skills. That's all I'm asking. And so I'm not picking on the poor lady with her daughter with an immune disorder.

I completely agree with her, as a matter of fact, until we got to we're being selective about which humans we can be around because some humans are safe and some aren't. This is one of the things some of you COVID people drive me nuts with, your inconsistency and your logic just blows my brains out. It's unbelievable. There's a lot there. There's a lot in that call. I'm still unpacking it in my head.

What's going on? But they're doing great financially. That's the lot there. There's a lot in that call. I'm still unpacking it in my head. What's going on? But they're doing great financially. It's the amazing part. Got a million one net worth. They're millionaires, but they're really good at saving up money, but they haven't made a plan for it. You know, that's it. Planning is, there is a correlation between those that get money and keep it. It's not just from frugality.

Frugality plus a plan is the only way you keep it and this this uh that's what i'm picking on her about to get them get them up on the road and let's get on the road don't run through the ditch yeah get up on the road run down the road run down a plan of some kind you're right george that's a good observation okay good hour george fun times there we go james childs is our producer kelly daniels is our associate producer i producer of The Ramsey Show. You can listen to all our shows with the Ramsey Network app on your smartphone. Browse by topic or even send clips to your friends.

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