The Ramsey Show - App - What Career Choice Takes You Where You Want to Go? (Hour 2)

Episode Date: September 5, 2019

Debt, Budgeting, Career, Home Buying, Retirement   Tools to get you started: Debt Calculator: http://bit.ly/2QIoSPV Insurance Coverage Checkup: http://bit.ly/2BrqEuo Complete Guide to Budgeting: http://bit.ly/2QEyonc Interview Guide: http://bit.ly/2BuGnZE   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 

Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show. Where debt is dumb, cash is king. The paid off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Open phones at 888-825-5225. That's 888-825-5225. That's 888-825-5225. Amanda is in West Virginia.

Hi, Amanda. Welcome to The Dave Ramsey Show. Hi. I'm so excited to talk to you. You too. What's up? Okay. So I've seen you talk to a lot of doctors on this show that have already been through school and have their loans.

I am about to start medical school. And my husband and I are somewhere in this weird place in between baby steps two and three because we're in a good place with our budget and we have savings. But we have a couple of small student loans. And then also for the next several years, I'm going to be taking more student loans for medical school. So I was just wondering how we should approach this and what your advice would be. I'm scared for you. Um, what does your husband make a year? Right now, he makes $50,000.

And you've got, what, two years of med school before you hit residency? Four, actually. What are you studying? Wow. Okay. Wait. What do you mean? No, I haven't started medical school yet.

Oh, okay. I'm finishing my bachelor's, and I'm about to start. So I want to see what your advice was while I'm thinking about, like, financial aid and what kinds of loans I should take and, like, that type of thing. Well, I don't tell people to take out loans for anything. And so if you're going this route, what I would tell you to do would be to limit by anything you can do. His income, your income as a resident, when you hit residency, any savings you have, any scholarships you could get from hospital companies that want to hire you when you come out of school um and and here's the problem amanda not everyone graduates from medical school that starts and if you don't graduate and you have two hundred thousand dollars in debt and you're not a doc you're what's known as screwed at that point.

That's why this scares me. And not everybody graduates. And so, you know, if I'm you, I'm going to limit, you know, I'm not going to do this if I'm you. But you're going to do it. So I'm telling you, you know, treat this money like it's real money because it is and do everything you can to not borrow or to borrow the least amount possible rather than just going, I'll take that and I'll take one of those and I'll take three of those, which is what most people do,

and then they roll out of med school with $250,000, and uh but it'll all be okay because i'm gonna be a doc maybe and um it can work out but uh it doesn't always work out and i get to see all the times it doesn't so it scares me for you so i'm telling you, I would do everything I can to limit it or avoid the student loan debt altogether. With scholarships, with savings, with help from parents, your husband's working, anything you can do to generate income. Certainly when you get to residency, you'll be making money then. And this is not just a walk down academic lane where you just pile up as much money as you want to pile up in student loans. That's a bad way to approach this subject. So be careful, kiddo.

Be careful. I hope you make it out okay. All right. Jason's going to be with us in Washington. Hi, Jason. How are you? Yeah, I'm great, Dave. How are you?

Better than I deserve. What's up? I have a car lease, unfortunately. I know you don't like those and neither do I at this point. But anyway, it matures in March. Good. Currently have a monthly payment of $341. And at the end of the lease, I will then to to buy it out, would be another $15,300.

And if I were to sell it, it could be about $18,700. I assume you have no money? I have my $1,000 fund. Okay. And you have other debts as well? I do have some other deaths. I'm about halfway through my baby step two. How are you on your emergency, I mean on your mileage? I am actually below where I should be right now.

Is the car in good shape? Yes. Because what they'll do is tag you on being over mileage or wear and tear, excessive wear and tear when you turn the car in otherwise. Because what I'm going to do is turn this car in in March. And between now and March, I'm going to save a couple thousand dollars to buy me a hoopty. Okay. That was my question.

If I sell it now, I'll try to get rid of it now or wait until March. Yeah, I'd run it on out to March because it's not going to change their numbers that much. You might as well drive it on out. What you pay between now and March, you're probably going to pay to get rid of it today, and you might as well have the possession of the car, you know? Yeah. So, you know, you're going to pay for the car one way or the other.

You might as well drive it. And so as long as you don't let excessive wear and tear and don't get over on your miles and have a plan to be able to give them the keys and walk away from that dealership with no car. Go somewhere else and buy you a $2,000 hoopty or whatever you've been able to save up and get there. And then that starts your progress of driving like no one else.

So later, you can drive like no one else and you avoid car payments for the rest of your life. Good move, sir. Very good move. Kevin is with us. Kevin's in Pennsylvania. Hi, Kevin. How are you? I'm doing well, Dave. How are you? Better than I deserve. What's up? So to kind of give you a quick how I got to where I am now, I'm 21 years old.

I'm entering my senior year of college. And because I was able to work three jobs in the summers and then working for the school I go to when I'm actually at school, I'll be able to finish my undergrad without any debt. Look at you. What's your degree in? Sorry, I'm getting my undergrad in mathematics with a minor in business administration. Very good. Way to go. How can I help today?

I got a position at my school that's also going to pay for my grad school. I'm going to get my MBA here. My question is, I have budgeted out my expenses for the next year or so, and I still have about $10,000 extra. That's okay. Keep it around until you finish. That's your insurance policy. Kevin, you're getting an MBA.

You're a rock star. You're a hardworking dude. You know how to set goals and hit goals. You're graduating from college debt-free. You're an incredible young man. You are the best possible investment for your money meaning you get this MBA and you come out with no student loan debt

and that $10,000 is your insurance policy to cause that to happen that is worth more than the $1,000 you might make on the $10,000 investment in a mutual fund now you are more valuable you're going to get a better ROI on you than you are a mutual fund

man you're incredible well done a better ROI on you than you are a mutual fund. Man, you're incredible. Well done, sir. Very proud of you. Touchdown. Hey, Kevin's parents, good job. This is the Dave Ramsey Solutions Company page on LinkedIn has over 100,000 followers. That's 100,000 potential like-minded people our team communicates our current openings to. We also post our jobs on LinkedIn because we

know the best candidates already have jobs. And LinkedIn makes it easy by doing the legwork for you. It's no wonder a hire is made every eight seconds on LinkedIn. And over 600 million members visit LinkedIn to make connections, learn, and grow as professionals and discover new job opportunities. Get started today with LinkedIn Jobs and get $50 off your first job post. Visit linkedin.com slash Ramsey. Terms and conditions apply. Thank you for joining us, America. Financial Peace University has now been changing lives for 25 years. That's a lot to celebrate. Almost 6 million people have been through this class. Last month, in the month of August, we challenged people as part of our 25-year celebration to the $1,000 Debt Reduction Challenge.

Pay an extra $1,000 towards your debt. We didn't charge anything. We just said, go to the website, sign up, say, in August, I'm working on my baby step two, I'm going to pay at least $1,000 of debt off. A hundred and eleven thousand people signed up for the challenge. That means a hundred and eleven million dollars in debt at least was paid off by those people if they all did their $1,000 or more in the month of August. That's pretty stinking incredible. I mean, ready, set, ready set go baby you know and one of the things we did was we said of those people that sign up the 111 000 of you among you we're going to draw randomly

names and we're going to give a couple of you twenty five hundred dollars. And I've got Connor on the phone in Seattle. He was one of the challenge contestants. Connor, we're calling to tell you your name was randomly drawn, and you won $2,500. Thank you so much, Dave. I'm so honored, so excited, and so blessed to be a part of the show right now. Well done, man. So how much debt did you pay off in August? I paid off $2,000 towards my student loans.

No, you didn't. You paid off $4,500 because I'm going to give you another $2,500, okay? That's right. Thank you, sir. Way to go, man. How much debt have you paid off total so far? I've paid off about $7,500. Good for you.

So you're just getting started. Yep, yes, sir. I'm a junior in college right now. Oh, wow. Look at you. Boom, $2,500 is a lot of money then. Oh, yes, sir. I love it, man.

Well, I'm so proud of you. Well done, sir. Well, congratulations on the $2,500 winner to Connor in Seattle. Connor, thanks for letting us talk to you, man. Hey, folks, getting rid of debt is really fun. It's part of our proven plan because if you get out of debt, you've got the money to do the other stuff, right? You got the money to be outrageously generous.

You got the money to build wealth. You got the money to change your family tree. But you've got to have that I've had it moment i've had it that's what you have to do and when you get there you're ready to go baby it's game on that's it get her done and so uh when you hit that you're ready to go so just go go to DaveRamsey.com slash FinancialPeaceUniversity slash FPU and learn about the whole membership as well as the nine-week class called Financial Peace University. And it changes everything, guys.

When you've had your I've had it moment, we can show you what to do, and you will have the results if you do what we tell you to do. Pretty incredible. And congratulations again to Connor, our first $2,500 winner from the big challenge, the Baby Step 2 $1,000 Debt Reduction Challenge from August. That's pretty incredible numbers, really. 111,000 people, $111 million in debt. Wow.

That's pretty stinking cool. Caleb is with us in Colorado. Hey, Caleb, how are you? Hey, Dave. Doing good. Good. I've got a quick question for you on your mortgage. Currently on maybe step six, I guess.

Been in the house five years took a 30-year loan on it and trying to refer down to like a 15 and i talked to the guys at churchill um they can drop my percentage from 4.6 down to like 3.3 with a 15. What's your loan balance? 319. Okay. So that's going to save you about 3,300 bucks a year. Yep. Okay.

And what's the closing cost? That's going to be about 5,000. Okay. So if you save 3,300 a year, it takes two years to get your money back, right? Correct. Third year, you're in gravy. Yep. And how quickly will you get this loan paid off in full, do you think?

Five years? Maybe. Ten years? I'd say about ten would be better. Yeah. Okay, so you refinance because you can save on the interest not to move it from a 30 to a 15 but while you're at it you move to a 15 if your rate was already in the low threes we would not refinance this we would just pay extra on it and let it pay off in 15 okay wouldn't go through the five

thousand dollar refinance cost to shift it from a 30 to a 15 the only reason we're doing that is we're going to save 1.3 percent a year which in your case is going to be 3 300 bucks or so give or take probably a little bit more than that and you're going to you know you're going to break even about the 18 month mark on your closing costs and it's going to make a lot of sense to the refinance but it's because of the interest rate savings. And then that's what makes you do it, not to move it to a 15. But while you're at it, you go ahead and do the 15. That's what I would do.

Open phones at 888-825-5225. 888-825-5225. So that means if you're listening and you just heard that call and you got a 5% loan, rates are running in the low threes, and that means you can save around 2%. That's going to make a lot of sense for you to refinance, get in touch with Churchill Mortgage like he did. This is the time to refinance. These rates are really, really good right now. They had ticked up for a little while.

They were bumping up close to four. And now they're back down close to three on a 15-year fixed. And so if you can save 1%, 2%, 3%, and you're going to stay in the home, refinancing is a really good idea. Or if you've got one of those stupid adjustable rate loans, refinancing is a really good idea. Jake is with us. Jake's in Virginia.

Hi, Jake. Welcome to the Dave Ramsey Show. Hi, Dave. How are you? Better than I deserve. How can I help? So we've got some questions regarding a relocation. I'm a leasing manager for an apartment community.

I recently moved from Dallas, Texas to Virginia with my company. And when I got here, I was kind of unable to do my job because of some pre-existing HR and legal nightmares. So I'm the breadwinner for my family. And at this point, I've just got to get out to protect us. And we've got a couple of options. We can either go back where we're from, from Dallas, Texas, or to St. Louis, Missouri, which is a little bit more affordable. We've got friends there, but we don't have our families there. Now, back in Dallas, our families are there, and a friend recently hit me up and said, hey, I'm going to have a startup in about the next 12

to 18 months, and I'd like you to work with us. The job is a dream, but of course, it's a startup, so it's far from guaranteed. We've just got a lot of things we're considering right now, and we want to make the most wise financial decision, and we know that you've got the benefit of, of course, the years of wisdom and not being emotionally charged in that situation. That last part sometimes is the only thing I've got. All right. The best way to look at this stuff is pan back further than today's need

or opportunity and say, 10 years years from now 15 years from now which of these choices takes me to where i really want to go and where i really want to go is a place i want to live and b my career is doing things i want it to do you know um i think i heard that to be Dallas here. Dallas is a little bit more where you want to live, but the employment is a little less. It's a little sketchier, but with a big upside. Is that right? Possibly. We're a little more emotionally attached to St. Louis.

Oh, okay. But Dallas is a little safer choice because we know a lot of people there. The economy is just a little square. What are you emotionally attached to St. Louis for then? We just love the city. My wife lives there for a while and has a good deal of friends there. Okay. Well, if you want to live there 10 years from now and you like the job choice there, but back out 10 years and go,

which of these choices is taking me where I want to be 10 years from now? And that's the choice I would make. Let's talk about low interest rates, baby. I know right now that Churchill Mortgage can get qualified buyers into a 15-year conventional loan for well under 4% with no discount points or no hidden fees. Listen, if you're even thinking about buying a home or refinancing, do it right now. These rates are incredibly low. Here's what I'd like you to do. Take 10 minutes and call Churchill Mortgage and see what you can qualify for. So even if you have to get creative and buy something further out of the city to get something you can afford,

now's the time to make the move. That's why I'm sending you to Churchill Mortgage. I trust them to look out for you and your budget. Don't miss this opportunity. You can secure these low rates now for up to 90 days through Churchill Mortgage. Call 888-LOAN-200. This is a paid advertisement. NMLS ID 1591. NMLSconsumeraccess.org. Equal housing lender. 761 Old Hickory Boulevard, Brentwood, TennesseeN 37027 Right now, 8 out of 10 of your friends

can't cover a basic emergency. Think about it. 8 out of 10 of your friends can't cover a basic emergency. Think about it. 8 out of 10 houses on your street have too much month left at the end of the money. They're living paycheck to paycheck. They need someone to show them a plan. Well, we've got an easy way for you to step up and invest in your community, and that is to become a Financial Peace University coordinator. Here's the deal. We are not looking for financial

professionals to become coordinators. We're looking for regular people who love people and want to help their friends and win with money. If that sounds like you, we will show you how to do this. I do all the teaching on DVD anyway, so you don't have to worry about that part. If you can put chairs in a circle and you love people, we'll show you how to do it, and you can learn a ton while you're going through the class as well. If you're interested in becoming a Financial Peace University coordinator, we need several right now. We got a bunch of classes that we have people to go to, and we need the classes formed. So text LEADFPU to 33789. If this sounds like fun to you, and believe me, it is fun,

text LEADFPU to 33789. James is with us in Texas. Hi, James. Welcome to the Dave Ramsey Show. Thanks, sir. Thank you so much for taking my call. I appreciate it. Sure. What's up? Well, I'm trying to figure out, I'm working the baby steps, and back before I started listening to you, I did exactly what you told me to call earlier not to do, and I took out all kinds of student loans as I was going through law school.

And I've got quite a substantial student loan debt right now. I've also got a house that I'm trying to pay off, and my mortgage is significantly less than my student loans. I know on your baby steps, you usually say to do the debt snowball, pay off your smallest debt first and not including your house. I'm just trying to figure out, since my student loans are about twice as much as my house, should I invert that and pay off the house first, or should I stick with the student loans? Let's go ahead and get the student loans done and pay off the house last, like we talked about.

How much do you owe on your home? The home's about $75,000 on that. So you got like $150,000 in student loans? Yes. Are you a doctor? I'm a lawyer. A lawyer. Good.

What's your household income? About $100, thousand right now okay great great we got a good start then yeah now let's go ahead and clear the student loans and you'll get around to the house last um you're going to get there at the same speed either way mathematically it's just a matter of which is the best to clear off and and the house is you know at least got an asset associated with it um where the student loans don't i mean i know you're an asset but they don't have you know there's no collateral on this loan nothing going up in value and so on so yeah let's just stay right in order hey thanks for the call all right

francis is with us in tennessee hi francis welcome to the dave ramsey show hi dave thanks for taking my call sure what's up man i'm just i'm struggling jumping on board all the way dave um you know i read a couple months ago i've been listening to you um married and it's hard for me to to push the idea of us taking that step of you know like we have a thousand dollar emergency fund it's hard for me to say, like, let's bootstrap this. Let's put all of our extra money towards our debt. Didn't have any advice for me. So what's your other plan?

Stay in debt? Yeah, well, that's a good point. I guess I'm a little bit scared. My wife's in college, and I just would hate the idea of us, I don't know, struggling. But I want to provide a good life for her, I guess. That's good. You should. That makes you a good husband.

And what's she studying? Nursing. And how long have you guys been married? Three months. Way to go. And how long have you guys been married? Three months. Way to go. And when does she graduate? May. She graduates in May. Good, good. Okay. Which is going to

accelerate things considerably, right? Because nursing income when she passes her boards will be great, right? Yeah, it should hopefully double our income at least. Yeah. What do you make? About $45,000. Oh, it'll more than double your income. Good. What do you do for a living?

I work at my family business. Good. What are you, 23? 21. 21? Okay, good. Well, you're a good man, and you're thinking about this clearly. The thing you've got to look at is just say,

what is the best path for me to be able to provide? For us to make good decisions together, you and your wife, so that you have the solid future. What is your best path to get there? And so your worst-case scenario is you work really hard and sacrifice deeply. How much debt do you have it's my car 11 grand that's it yeah that's it okay so the worst case is you work really hard and you sacrifice really deeply for uh six months to a year and you have zero debt and you hate it

so you go back in debt that'd be the worst case right yeah i mean how are you not providing during that time if you and your wife are sitting and doing a budget together and you're you know you got your rent covered you got food covered you got lights and water covered we're buying reasonable clothing you know we have a reasonable life here and we're and with every dollar we can squeeze out of the budget other than necessities, we're attacking this debt, and we're going to get this car debt cleared up, and then we're not going to borrow money anymore because that helps us to build wealth, which gives us all kinds of options for generosity, all kinds of options for changing our family tree, and makes you a good provider.

I predict with your $100 100 000 household income beginning in may that by the time you're 30 you'll probably be very close to millionaires if you'll follow the stuff i teach you to do wow wow all right i'm down with that and but you're gonna i mean there's a price to be paid to win dude yeah you just got to say hey do i want to be in the Super Bowl or do I want to watch the Super Bowl? That's your decision. And you can make that call. You're a good guy. I think you're going to come to the right conclusion.

Kenny is with us. Kenny is in Virginia. How are you, Kenny? I'm doing all right. How are you, Dave? Better than I deserve. What's up? I am 37 years old. My wife's 35, and we are very close to paying our mortgage off.

We think we can do it in the next, well, we have it mapped out to do it in the next 16 months. Wow. I'm wondering if we can do, if we stop my 401k contributions, we can do it about 12. So I'm wondering. What's the four months matter? To get it done. I mean, that's. I love it.

You are game on, man. I love it. You're in great shape. We are. We're still on beans and rice, and we're so close. I've taken a second job to get this thing done. How old are you? 37.

Okay. When you're 42, you will not even remember whether you did the four-month thing or not. Fair enough. All you'll remember is you got the house paid off before you were 40, and that was the thing that caused you to cut loose and be very come become very very wealthy in your 40s okay that's where that's all you're going to remember so my point is is it doesn't matter you you are so game on you're so intentional there's not a wrong answer to people making smart decisions like you're making um i i can make a case hardcore it's only four months

so i can't be substantially right or wrong right and you can't be substantially right or wrong it's just a matter of how long can you hold your breath because you're holding your breath right now yeah now so if you want to stop and then come back it's not going to change how much wealth you end up with that much either way either way i i tend to be a baby steps purist because i invented them so i tend to say the 16 months is not that much different than the 12 keep putting your money in your 401k because that's going to compound and you're going to like the results of that later and you're going to get your stinking house paid off really really young and you there's just nothing dumb about this entire discussion.

You're just a smart dude. Man, I'm liking this hour. Kelly, thanks for screening for just these young rock stars, man. These are cool. These are cool young people right here, man. Isn't that neat? 21-year-old guy wants to be a good husband. Don't mean millennials are all deadbeats.

That kid's a stud, man. I love it. Both these guys. Way to go, guys. This is The Dave Ramsey Show. Thank you. Sarah is in California. Welcome to the Dave Ramsey Show, Sarah. Hey, Dave. Thanks for taking my call.

Sure. What's up? So I'm 22, and I just started listening to your radio show on Spotify and reading The Total Money Makeover. Thanks. And I'm on Baby Step number two. Cool. Yes. And I have about $20,000 worth of student loan debt, and I have enough money today to pay all of that off. But originally, I've been saving that up

to be a full emergency fund and funds to save or to buy a new car because my current car is on its last legs. So the thing is, my company that I work for has a program where it will pay off my student loans, but they pay the minimum monthly payment, so it'll take about seven years for that to be completely paid off. So I was wondering what your advice would be. Would you suggest that I spend all of my savings and become debt-free as of today, or would you recommend letting my company pay that for me and using my funds for my original purposes? If they were going to do it faster than seven years, I probably would do it, but seven years is a long time. Your life is going to change a lot between 20 and 27

years old. Yeah. What do you do for a living? I agree. I'm a program manager at a tech company in Silicon Valley. Oh, your life is really going to change a lot in seven years. I mean, you're going to be working on things seven years from now that aren't even invented now. Right. I mean, the world you're in is a very high rate of change. What do you make? $80,000 a year.

Wonderful. Way to go. Yeah, it's a great gig. That's just great. Yeah, but you're in a very high cost of living area, obviously. And what is your car worth? I don't know. I haven't checked on Kelly Blue Book, but I would estimate around $3,000 right now, maybe.

What's wrong with it? It's a 2004. It has over 200,000 miles on it, and it's broken down on us a few times. We put a new engine in it. Who's us? It's just giving us problems. Oh, my parents and I. Oh, I see. Okay.

So you put a new engine in it? Yeah, a couple years back. So it's okay right now, but it's still giving us problems. So I'm running it all the way until it dies. That's the plan, or until I have all the money. Yeah, yeah. So exactly how much do you have in savings? Exactly, I have $21,100.

Okay. And exactly what's the student loan balance? Oh, that's a good question. I think it's around $21,000 today. So you'd have like $100. Yeah, I wouldn't even have my $1,000 emergency fund. Okay. All right.

Yeah, so the way I answer questions here is after having lived these principles for 30 years and coached a bazillion other people to live these principles for 30 years, what would I do if I woke up in your shoes? Now, the reason I tell you that is because I've got a 30-year head start on you. Right. You've been Dave Ramseying and looking at this this stuff for 20 minutes so it's a little harder for you to come to the same conclusions i come to uh but i'm gonna you know i'm still duty bound to say what would i do which is what you're asking me is what would i do and so but the re you know

the answer is important because there's some track record behind it. So I don't want you to go below $1,000 balance. And so I would send $20,100 to the student loan, and next month I would pay it the rest of the way off. Then once I was debt-free, that would move you to baby step three. I would build my emergency fund of three to six months of expenses. You're going to do that in three months. Okay. So we're four months from today you have a fully funded emergency fund of about fifteen thousand dollars and you have no debt then i'm going to save five thousand dollars or more as quickly as i can five 10, and buy a car.

Okay. And so what we're saying is by late spring, you're buying a car. Right. Okay. And all that time, you will have been 100% debt-free. Most of that time, you will have had enough money in your emergency fund that if the car did completely lay down and buying a car became an emergency you would use your emergency fund to buy the car right so your risk on having serious car problems and leaving you in a lurch is only about three months worth

the rest of the time you're going to have the money to buy a car it's just not necessarily exactly what the way you want to do it so um you know unless i miss my guess by summer you're going to be in a pretty nice car and you're going to be 100 debt free now um how big is the company you What company do you work for? Massive? I'm sorry? It's about 13,000 employees worldwide. Okay. All right. Too big to change policies quickly, because I wouldn't be afraid if it was a little bit smaller to walk into my supervisor and go,

hey, I need you guys to kick this student loan thing up a little. But they're not going to do it. Who you're talking about is not going to do it. I've got an idea who this is, okay? They're not going to change a policy for you. There's 13,000 of you, so they can't do that. That makes sense. All right, so because it takes too long for them to get you out of debt,

I'm just going to go ahead and get out of debt. And here's the other thing. I suspect, did you say you're 20? 22. 22. get out of debt and here's the other thing i suspect did you say you're 20 22 22 yeah so i suspect by the time you're 26 that you're probably going to be making 200 i hope that's the world you're in if you keep growing your skill set and you know you keep your you know you keep your uh finger on the pulse of the digital movement and you keep bringing and adding value, that market is moving so quickly because I think your personal growth curve

is going to make you worth a lot more, number one. But number two, I think the marketplace is going to move on you and make you worth more. So I'm really not, I mean, what I have seen, for instance, Ruby on Rails programmers make, that change in the last decade is astronomical. Yes. They're making double what they used to make, okay?

Just those guys. And you're in a position in Silicon Valley to really take advantage of being on a tech curve right here. So you got it made. You're on the right track. Wow. I'm honored to talk to you thanks for letting me work through your problem with you that's fun open phones at 888-825-5225 youtube britney britney says should my husband's beer come out of our grocery money or his spending money?

Oh, sounds like there's been a fight at Brittany's house. That's so great. Well, if it's a certain level of beer, I suspect it's groceries, and past that, I suspect it's entertainment. Oh, my gosh. Oh, I haven't had that one in a while. That's funny. That's good stuff. Yeah, well, I mean, I think there's other stuff going on here, Miss Brittany,

and I think you all need to address the other stuff. I sense bitterness in your question. Oh, you can't make this up. Wow. I love it. Open phones at 888-825-5225. For those of you across the nation, we appreciate you tuning in. Tomorrow's a big day around here.

We will be doing our grand opening on our new building. We'll have the governor of the state of Tennessee and Governor Bill Lee here for our ribbon cutting and Senator Marsha Blackburn, good friends both of them of ours and of this organization, will be joining us and another couple of hundred dignitaries and friends and VIP, in addition to 1,000 spouses of our 1,000 team members. So this place will be crawling like an anthill tomorrow. We're getting excited. We're having company over, so you have to clean up, right, when you have company over.

You all know how that works, right? Good times. Good times. up right when you have company over y'all know how that works right good times good times this is the dave ramsey show Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show. If you would like to do your debt-free scream live on the show, make sure you visit DaveRamsey.com slash show and register. We would love for you to come to Nashville and tell Dave your story.