The Ramsey Show - App - Why Slow and Steady Always Wins the Race (Hour 1)

Episode Date: May 8, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love and create actual amazing relationships. Thank you for joining us, America. Rachel Cruz, Ramsey personality, best-selling author multiple times over, and lately best-selling author of the new book, Children's Book. I'm glad for where I am, the second in a series. She's my co-host today and my daughter. The phone number is 888-825-5225.

That's 888-825-5225. That's 888-825-5225. Adriana is in Dallas, Texas. Hi, Adriana. How are you? Hi, I'm good. Thank you so much for taking my call. Sure. What's up? So my husband passed away about a year ago. Oh, that's all right. Thank you. How long were you married?

13 years. Wow. How old was he married? 13 years. Wow. How old was he? He was only 41. Whoa. What happened? It was a rare presentation of colon cancer, and from diagnosis to his death, it was just under two years, so it was really fast. I'm so sorry.

Thank you. So the biggest issue is that I have life insurance money. Luckily, we had that. And I hired some financial advisors and they're advising that I invest in whole life insurance for the kids because there's a high interest introductory interest rate and there may be a genetic component. The other big thing is that I am intending to take over the mortgage on my house because it's in my parents' name, and I want to take it over. So they have advised some credit, you know, to have some credit in order to build my credit line. I'm not working. I'm homeschooling, and I'm getting Social Security. I'm just wondering, are those the best routes to take?

And it's not. What is? Well, you obviously smelled a rat, or you wouldn't be asking. Right. Yeah. And so are you sure these are financial advisors and not just insurance agents? They have a financial planning. I mean, that's what they say they are.

Okay. What's the company? Well, they work with, I think the company with The Whole Life is New York. I'm sorry, it's Eagle Strategies. But New York Life. New York Life, yes. Yeah, these are insurance agents. They're not financial advisors.

Okay. Because the insurance people don't know how to do anything but sell insurance. And they're not licensed to sell anything but insurance. But she said Eagle Ridge. There was another. Yeah. Yeah. But I mean, you can't write for New York Life unless you're a New York Life agent.

So they're captives. So it's not an independent. So, you know, this is just the name of the local New York Life office. So now we're not doing business with them. need to you need to move you're getting bad advice um and um so uh here's the thing you've been through a terrible thing at a very young age And so there's always a potential genetic component anytime someone gets cancer. That's why when you're doing a life insurance of any kind application, they ask about your parents and if they have died of cancer. Because they want to see that because there are statistical correlations to that to at least susceptibility if not DNA issue and so on right I'm not a medical person but that's what the insure how the insurance world views it and I do know that

okay so but but that doesn't change what you need to be doing what you need to be doing is taking care of your family what you're doing and building some wealth for your future and the kids futures and then when they face something if they ever face it they will let's say they're 28 and married with two kids by then they should have term life insurance in place. And then if they had some kind of an occurrence like you guys did, then they would be ready that way. You don't buy whole life life insurance on a child because their parent died of cancer. That's asinine. Okay. Mathematically.

Okay. And it's just insurance age. I mean, if you ask a dog if it's hungry it always says yes if you ask an insurance agent if you should buy insurance they always say yes so i mean it's just especially in the whole life world and so now you and and you do need to get the mortgage into your name instead of your parents names and that's going to require some other things, but we don't need to go get in debt to cause that to happen. So here's what we're going to do, okay? We don't need anything from you.

We're not trying to sell you anything. Quite the opposite. As people of faith, our book tells us to take care of widows and orphans, and people that take advantage of widows and orphans, by the way, really get in a bad place. You don't want to be there. And so we're going to do quite the opposite here. I'm going to furnish you a Ramsey counselor, a Ramsey coach that's been through our training completely free and let them coach you through how to get your investment structured

and how to get this mortgage redone and hands-on rather than trying to give you an answer on the radio, and certainly not going to give you an insurance agent. So, I mean, you may need some insurance. All insurance agents aren't evil. That's not what I'm saying. I am saying that if you ask a whole life agent if you should buy whole life 100% of the time, they say, oh, yes yes it's the answer to everything and if you ask me if you should buy whole life a hundred percent of the time i say it's never the answer to anything yeah and in her situation she has the two kids so you you hit on the so well you hit already and he's

taking advantage of that emotion yes so that on the health side but but the other component of whole life of what people get sold on to is the investment idea, right? And she was even saying. Yeah, they have a high upfront interest rate. So, but for her to know that there's other options on how to invest for your kids, that you actually will end up, they'll end up with more money. A whole lot more. Than versus even just this policy. If you put it in a fruit jar, you'll end up with more than screwing around with a whole life insurance policy. Because at least if something happens, you've got the money in the jar these people take it all it's it's the work it's the payday lender of the middle class that's how bad it sucks mathematically it's absolutely a scummy product and to play on a widow's emotions

about her children might have oh god that's particularly nasty yeah you should be ashamed but they also are convinced agents are that that it really is the best right i'm like they like there's only two kinds there's ones that are dumb and are convinced it's a good product because it's the only way you could convince yourself is if you can't do math or you're scum right you know and you're selling something or you're selling something you know is bad so that's but i mean for people listening though that's does it not give you a little bit of a chill to sell a widow her kids stuff based on the death of her their dad i mean does that not just a little bit hello people i mean that's nasty so well and the good

thing is is that there's other avenues for both of these from the insurance routes there's all kinds of avenues totally so a lot of stuff you can do that's the hopeful side and almost all of it is better than this yeah and what happens you know i could imagine when she's sitting in their office and they're explaining it there's not there's not option a we could do whole life option b you could do term life and this and option c it's all one thing right it's like this is only option. And so just to know that there's hope, that there's so many, so many things out there for her to do. I'm the hammer. That she's going to be okay financially and her kids are going to be okay.

Trying to give some hope. Trying to give some hope. Hang on. Christian will pick up, honey. We'll get you taken care of. No cost to you. Zero. This is The Ramsey Show.

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It's wedding and graduation season, and if you've been changed by what we teach and you want to help a graduate or maybe a young couple start out the way they're supposed to start out, there's a cool way to do it. We call it the live and give box in the live and give box i'm reaching for it here trying to get my youtube self together uh the total money makeover book the baby steps millionaires book two of my number one bestsellers but most importantly you get signed up for financial peace university all in one kit and boy wouldn't you love to have started out your life with that? Hello.

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ramsey solutions.com slash box for the live and give box. Bryce is with us in Louisville, Kentucky. Hey, Bryce, what's up? Hey, thanks for having me. Sure. How can I help? So I have around thirty four thousand saved up and I make about $4,200 a month. I spend probably $1,500 after bills and food. And I was just wondering, instead of me putting money into my 401k, and instead could I just invest in real estate and put rental properties up so I can have an income at all times. Well, you don't have the money to buy a rental property. I was going to go and take out a FHA one.

Yeah, which tells me you don't have the money to buy a rental property. So, Bryce, what we have found is that the people that avoid debt, including rental properties, are the ones that prosper i own a bunch of real estate i love real estate i'd love for you to own some real estate since you want to someday as a part of your life but i want you to pay cash for it do you own the home you're living in um yes okay is it paid off yes Yes. Good. Good for you. What's it worth? I got it appraised last year. It's probably worth $120,000. Good for you. But it was family owned, so I got it for $30,000.

Wow. You got a deal. Good for you. Well, that's cool. So I'll tell you what I did, and I would recommend you do something similar. We recommend that if you're out of debt and you have your emergency fund in place, then we do Baby Steps four, five, and six. And baby step four is 15% of your income, which is, you know, you're making like $50,000, $60,000 a year. Okay. And so we're talking about $7,000, $8,000 a year is all.

Okay. Going into your 401k Roth, preferably if they have a Roth available and with a match, that'd be wonderful and some good mutual funds. Beyond that, I started saving once my house was paid off to buy my first real estate after I had gone broke in real estate by having too much debt. So, um, by the way, but yeah, so, so anyway, I, I just took an SP fund, and I started chunking money beyond my 15% into that S&P, and when it got to be enough in there to pay cash for my first little rental, that's what I did. You're probably not that far from doing that.

Like what price range would you spend for your first rental, Bryce? So I was going to buy a 10 acre lot for uh 75 000 and then i can get a used uh trailer that was repossessed for 10 000 they redo it and everything and then it cost me 5 000 get it put in and then i already have someone put it in my septic for 2 000 problem is that won't go up in value only the dirt will not the trailer so i would not invest in that as a rental because i want to invest in a home or a duplex or something that's going to go up in value not go down in value and so the only time i would look at trailers is if you bought a whole trailer park and they cash flow like a bandit they make so

much money cash on cash return it's unbelievable but you've got the constant problem of taking them out of service because they deteriorate yeah and you don't know you don't want to take a nice subdivision a good piece of dirt and put a trailer on yeah how old are you bryce 19 you're 19 yeah you got plenty of time to do this time yeah and i would say too bryce just to this point, it's going to take you, and you're a smart guy. I'm like, you're already at 19. You're like thinking of ways, how can I wheel and deal

and make some money, which is so great. And then this process, it's going to take you longer. But I think having a goal as you do the math out and say, okay, how long will it take me to save up? Because where you are in Louisville, Kentucky, I'm like, you know 150,000 and go find a foreclosure at some point this may be years down the road and that be your first like find the deal on the on the sale and just say yeah this is me my first and you just slowly build but

the frustrating thing about this process Bryce is that it's slow but the great thing about it is that it carries so much peace with it it carries so much peace you're not stressed and by the way i've bought over 2 000 pieces of property and rachel's husband winston does this for a living now it's what he does he's in the real estate business and um he was trained here with me running my property and so he's doing the we're both doing the exact same things we're telling you to do yep um and we're but we're just decades past you we're you know 20 30 40 years beyond your process but i i remember the first time i finally got 150 000 saved up and oddly enough

that's what it was to buy that first property and i had it laying there in that mutual fund and then i looked around found a bargain and bargain. And there we go. And as soon as you get about three of these that you own that are paid for, the rents coming off of three paid for properties are pure. They're not going to the bank. You're not paying any payments on them. So that pure rent stacks up fast and you can buy another property every so often just off of the rents that and

you get a positive snowball and winston and i what we've done too like there was a condo we got our very first rental was a condo um and in foreclosure nasty thing it was like a one bedroom one bath i mean it was not much it was really nice it wasn't much but we fixed it up did it and then eight years later it doubled and so we're like well we could sell that go to and you know find another deal somewhere else you can even step up in property too as you go through this process if you don't want to just hold on to it we did wow we did that thing was like a family member it had been around a while it was your first one was your first winston was attached yeah not you i trusted him i was like if that's i. I trusted him. I was like, if that's good. I did

not know the junkie condo was gone. That's cool. Although it wasn't junkie anymore. It wasn't junkie. We did good to it. That's how it started out. That's how it started out. But it is fun, Bryce. And I think that is, I think a lot of people are interested in that. Like this idea that investing sounds boring, but it's a tried and true way to build wealth. So do it. But then the other the other offshoot of investing and what you're talking about and you're actually going to talk about it at y'all's investing live stream coming up yeah um is real estate and people really are interested and and it is it's a great you love it i mean it's a great it's a great way to kind of diversify even

your wealth building when it comes to that i've made a lot more money in real estate than i have in mutual funds and i've also uh but i've also put more money in real estate because I'm a real estate person than mutual funds. So my personal net worth is probably 80% real estate. You know, between mutual funds and real estate anyway, not counting this business that I own and that kind of stuff. But, yeah, it's very interesting. So, Bryce, the key is it's very

difficult at any age but it's really difficult to go slow when you're 19 please listen to the old people go slow the people who go slow in real estate are the ones that are still doing it 20 years later the ones that go fast get burned and they get to start over again, which is what I did. I started buying real estate when I was 22 and by the time I was 28, I was broke. And so I went from nothing to a millionaire to broke between 22 and 28. And so I just don't want that for you. I want you to just go slow. I don't want your face on the front of Fast Company magazine.

I want your face on the front of Slow Company magazine. I want your face on the front of Slow Company magazine. Slow Real Estate. Slow Real Estate magazine. Which is everybody in America right now, let's be honest. You're not going to be a TikTok sensation. I can promise you. Not if you're doing it right. This is The Ramsey Show.

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Good. How are you? Good. Better than we deserve. Welcome. Where do you live? We're from Keene, New Hampshire. A little northwest of Keene, New Hampshire. Fun. Welcome to Nashville. How much debt have you paid? $122,836. Good for you. And how long did this take?

It was four years and two months. Four years and two months. Good for you. And your range of income during that time? We started at about $60,000 and ended up at about $130,000. Wow. Nice. Doubled your income in four years. Yes, sir. How'd you do that?

I asked my boss to just bury me in work. And he obliged. Yes, he did. What do you do? I'm an independent insurance adjuster oh very good okay so it is you got it you can do that yes yep okay and uh what about you katie what do you do um i'm stay-at-home mom and homeschool mom love it good for you guys well done all right so this is all that income changes all uh all on your boss burying you yeah pretty much good very good

very cool what kind of debt debt? Was this 123? It was a multitude of just about everything. Student loans, two cars, credit cards, medical bills. I don't think I'm missing anything else. Yeah. About that. Just normal. You were normal?

Yeah. Yeah. How long have y'all been married? Almost 13 years. So nine years into the marriage, give or take, eight years into the marriage give or take eight years into the marriage something happened what happened um well first off we just want to thank you and thank god for putting that blessing and that call on your heart to help us and help the millions of people that you've helped so far and will continue to help um and that's really where our journey began

is is getting into our Bible and getting back to those biblical principles that are buried in there that we just needed to go find, and you really brought them to light for so many people and including us. But when about four years ago, almost five years ago, we went in to go get diapers for our middle child at the time, and I went through probably about three or four different cards, and I couldn't buy them.

And I walked out back to the car and sat down next to Katie and said, we can't do this anymore. Yeah. I'll break a dad's heart. Yep. I couldn't buy diapers for my daughter. Yeah, that'll put an end to it. And so you go home, and you're like, okay, we're selling everything.

Yep. Yep. We pulled the old book off the shelf because the book went through eight different moves with us. And never read it. Nope. Nope. Which one? Total Money Makeover?

Yeah. It was the workbook, actually, not the whole book. We hear that a lot. We hear this a lot. This is a very common story. Total Money Makeover,ica's coaster on your coffee table yeah exactly oh my gosh so katie when that moment happens you're sitting there in the car are you thinking oh thank god let's do something or were you like wait is it that bad oh gosh like

what was your reaction in that moment yeah i mean it was just like a feeling of dread like yeah everything that we've done trying to live normal just didn't work like at all for us. It all came crashing down. Yeah. Um, and then, yeah, we were pretty much all in. We talked to our, um, our pastor at our church and they were offering FPU. Oh, good.

She went through financial peace. Yep. We got in a class right away. Yep. Um, we, we even, we had to travel like an hour for it. Yeah. We drove an hour for it to Concord, New Hampshire. Wow.

And then shortly thereafter, the next February of 2020, we led our first class ourselves. Wow. Yeah. Well, thank you. So literally a couple months after we got out, we decided, yeah, we're going to lead our own class. And then right in the middle is when COVID hit. Yeah.

Of course. January of 2020. Yeah. Of course. Oh, man. Well, what debt was it for you guys that you were like, oh, it's gone. I'm so glad. I'm so glad it's gone. Cardiocards. Oh, for you? Yeah. Student loans for me. Okay. Okay. Okay. Oh, yep. It was that last one where it was just over the hump, especially during when you're right in the middle of it all. And the longer that you're doing it, the higher the debt is that you're trying to pay off. So that snowball, it works, but we...

The mountains to climb. Yeah. On the back of it, steep. It was 50,000, so it was almost half of our debt was the student loans at the end. Yep. And we paid that all off in one year. We were just, that was our last year. Whoa. So you did half of it in three we paid that all off in one year we were just that was our

last year whoa so you did half of it in three years and the other half in one year yeah we had a baby along the way yep so that slowed us down and i had a surgery uh as well right after i had the baby yeah oh my gosh yeah life definitely happened then that math is fair yeah that's good that's good way to go guys thank you you persevered You persevered. You kept with it. You kept with it. You kept with it. Why didn't you quit? Well, you saw one of them coming up on the scene. I don't ever want to have that feeling again. I've not been able to buy diapers. Yep.

Yep. I can't wait to buy somebody a pack of diapers that's struggling with their cards that I see at Target or Walmart or whatever. Wow. I can't wait to go and buy. You may buy a whole bunch of diapers in your life before this is over. God may just keep putting them in line in front of you.

Yep. Yep. We'll just keep on blessing. I love it. That's fabulous. What do you guys say to families out there? Because I have three little ones too. And I just know life is just tiring, right?

You're in a really tiring season and you're home all day with the kids while he's working extra, right? So you probably feel like a single mom half the time while he's right? You're in a really tiring season and you're home all day with the kids while he's working extra, right? So you probably feel like a single mom half the time while he's gone. You're exhausted. So what do you say to families out there listening and they're like, this is just not the time.

This isn't the time to do it. We're so tired. We're barely getting by. Like, I don't know. I don't know. What would you say to them? I would just tell them to continue to communicate with each other

because that's been the key to this whole thing. Don't give up to keep on going no matter how grueling it gets, no matter how long the days are, no matter how much time that you feel like you don't spend with your kids, they're still going to be there. They're very resilient. They're still licking lollipops and laughing along the way. But just to keep on going. Don't give up. Yeah. That's good.

It's never too late to start. Never too late. I mean, we were married for years and years. And at one point we had said, we're always going to have a car payment. Always. It came out of his mouth. And now we're never going to have a car payment again. It's not like a statement of principle.

It's a statement of hopelessness. Yeah. Exactly. We've been there. And you can turn it around to have a car coming again. That's not like a statement of principle. It's a statement of hopelessness. Yeah, exactly. We've been there. And you can turn it around. You can turn your perspective around. So good, you guys. Oh, amazing.

Well, thanks to your pastor for teaching Financial Peace University at his church. And it was there at just the right time. It was. Go figure. I knew it. So great. Very cool. Good for you guys.

I'm so proud of you. Thank you. Well done. You're heroes. Thanks. You're heroes to those little kids. You changed their whole family tree. So well done, y' so proud of you thank you well done you're heroes thanks you're heroes to those little kids you changed their whole family tree so well done y'all thank you so well done you're on the opposite of the spectrum from not being able to buy diapers to buying diapers for the rest of your life there you go for other people this time there we go i like

it if you live like no one else later you can live and give like no one else. That's how that works. All right. Bring the kiddos up. What are their names and ages? So we've got Isaiah is nine. Mia is five. And Levi is three. All right. And we've got matching dresses with mom. That's pretty cool.

So cute. I like that. They've been practicing their debt-free screaming right here. All the way down. Yep. From New Hampshire to Tennessee, that's a lot of practice. Yeah. Wow. that they've been practicing their debt-free screen right here all the way down yep from new hampshire to tennessee that's a lot of practice yeah wow lots of advil for you yes

very good guys i'm so proud of y'all they're heroes you're amazing you've done something that's absolutely not normal. Be not conformed to this world, but be transformed by the renewing of your minds. You're amazing. Thank you so much. Thank you. Thank you so much. Well, well done. All right, Kevin and Katie, Isaiah, Mia, and Levi, $123,000 paid off in four years and

two months, making $60,000 to $130,000 of buried in my work. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free. Oh, very good. Very cool. Cute kids. So sweet. I think Mia wins the award maybe. Very cool. Cute kids.

So sweet. And I think Mia wins the award maybe. I know. She got it down and then went right back to the lollipop right after the scream. Very well done. Good stuff, you guys. Very cool. So encouraging.

You can do this at any stage of life with any income, with any situation. When you decide to change change that's when things change no external force is going to do it no matter who's in the white house you still got to fix you this is the ramsey show rachel cruz ramsey personality is my co-host today. Clayton is with us in Charleston, South Carolina. Hi, Clayton. How are you? I'm good. How are y'all? Better than we deserve. What's up?

So I got a question for y'all. My wife and I just bought our first house, and I'm currently a UPS driver. I make $30.78 an hour and my wife is a doctor's assistant. She makes about $23 an hour. So overall, we make a little over $100,000 a year, which is great.

But I just got recently a job offer. It is a pay cut, but it is a better quality of life. Um, we have no debt other than our house. We owe $244,000 left on our house. We put, uh, about $70,000 down on the house. Um, and I just want to know, what do you think I should do? Should I stay where I'm currently at and work to pay this house off, or should I take this job and get a better quality of life? When you say – I'm able to be around with my family and, you know –

Give me the – I'm able to start having kids with my wife and everything. So we don't have any kids right now. So your family is your wife. Yes. Okay. All right. And I'm confused.

How many hours a week are you working as a UPS driver? Anywhere between 55 to 60 hours a week. Are you able to cut back on just your hours there if you wanted to? Unfortunately, no. The way it works is whenever you start is the start time that they give us. And then whenever you're finished delivering is when you're finished. Okay. So when claiming.

Unfortunately, there's nothing else. Okay. What's the price? What are you going to be making, the difference in income? So currently I'm $30.75 and then the new job will be 25 38 an hour and have you run about a five dollar jump okay yeah and have you guys run the math it's not a five dollar jump because you're going to be doing 40 hours instead of 55 correct so it's a it's a 50 pay cut yeah you're not going to be working as many hours,

and you're going to be making less per hour. Correct. Have you guys run a budget to see, like, just to see, hey, if I took this new job, and with the pay cut and the hours I'm going to be working, here's what we have left, and, like, this will be our life financially. Have you guys run those numbers? We have, but I just feel like we're missing something.

Yeah, you're running it at 55. You're running it by the hour. That's what you're missing. Right. You need to run the actual totals. And then you're going to realize that you're taking a $35,000 a year pay cut. No, you don't need to take this job. That's bull crap.

You weren't looking for a job this thing popped up and it's not the answer to your problem okay well i was looking for a job okay well c happened that c is what you want you want a job that pays what ups is paying without working 55 hours not by the hour by the total So I want you to find a career. You're making about $70,000 a year, right? Yes, sir. Okay. And I also get a pay jump this year too.

Good. I want you to find a career that pays $70,000 to $80,000 a year and start working your way towards that career, working 40 hours or so um now i i've done work for ups speaking to your guys executives and i know a bunch of ups drivers and retired ups people and the great place stock plan is incredible uh i mean and i i don't know exactly how where you are what you're doing works but my feeling would be clayton that you could probably pick another route over time that got your hours down yeah i was gonna say as you move up in seniority right yeah yeah is that not how it works uh yeah as you move up in seniority you can

get a better route and stuff but there's at my center there's over a hundred drivers and i'm currently like like number 70 so that's gonna be like 10 15 years no it's not no it's not they They don't stay. You've got turnover in there. They don't all have to die off. And so I think you need to talk to some guys around there and find out how long it's going to take you to get into a more reasonable route situation where you can control the thing, because you're a low man on the totem pole right now,

so you're getting crappy runs that have long hours. Of course now, so you're getting crappy runs that have long hours. Of course, holidays, you've got crappy runs that have long hours. It just goes with your territory. But UPS is a company of work hard and pays well. That's the company. They have a real work ethic culture. It's one of the reasons that they were attracted to me and vice versa. So it's been many years ago that I did that.

But just the same, I came away from my time working with their executive teams and stuff with a respect for your culture. And so but now I think if you want to work less hours, you need to figure out how long it's going to take you to get there at UPS as a possibility. Also say, OK okay what career field can I start moving towards and if it takes me a little while to get towards that career with some of the steps that King Coleman outlines I would do that but this presupposing that I'm going to cut my pay in half so I can work 40 hours and so I can be home with the dog um nah nah clayton how old are you let me ask can i ask you that how old are you yeah i'm i'm 26 and my wife is 27 i actually wanted to say something else real quick too with this new job my hours will be 40 a week but i go in at six and i clock out at two so it gives me the opportunity

to pick up a second job uh so where's the quality of life increase dude well now you're back to 55 hours a week and you're just making less i guess yeah yeah and now you picked up a side hustle so you're wearing unless that side hustle is taking you into something where you want to be when you're 36 no no i wouldn't do that um i'm not saying ups is the end all to be all i'm not if you if you want out of there i'll help you get out of there hang on i'm going to send you a copy of ken coleman's book uh this new one find the work you're wired to do to get clear assessment and i want you to take that assessment i want you to start thinking about what you really want to be, not just what you make.

What is it you want to do with your life? And I will tell you folks out there, aside from this, I'm not about workaholism. I'm not about you abandoning your family in the name of work and never knowing your children's names or anything like that. I didn't do that when our kids were growing up. I went through a season where I worked my tail off 16-hour days. But it was a season. It was not a lifestyle. And the children were a little bitty, and, you know,

their mother would tell you that she was a single mom during that time. But she and I talked it through. It's what we were doing to start this place that I operate today. It was the foundation of this place in the 90s. I was doing that. And so it was a period of time. I meet almost no one who has a high quality life that has left their mark on their family and on this earth that does it on 40 hours. Just I'm going to work 40 hours my whole life. You're just, you know, yeah. For a period of time, if you're training for a marathon, you have to sweat. Now, do you have to do that every single day? No. When you finish, you know, when you hit the next time, you take a little time down.

Okay. But you work like no one else so that later you can work like no one else. And, you know, you're just now getting involved. And I i don't know i guess all your friends are out partying while you're working because you're 24 um and you know that's gonna show or you're 26 they're gonna show up in their lives there's seasons of sacrifice and and and for clayton and i don't know i'm just making this up but i'm like yeah there could be a season you're an entry-level guy you got the crappy route and you do that for two years and then you get a better route better pay and you know what i mean but like there's you don't get to start off and not that he's saying this but you don't get to start off you know at the top necessarily and so um it was funny i was doing career day at my third grader's little class and they said where did

you start off i was like i started off going to assemblies in high schools all across america and i did that for like you you know, three years. I didn't get paid. Yeah. I mean, who knows where in these small towns and all of it. But, you know, again, there's just there is that level of sacrifice. But then there's a clip going around on you on the socials. And you're like, work 80 hours a week. So everyone does think that you're just like a workaholic.

Well, I know. Everybody that wants to bitch and moan thinks I'm like that. But yeah, if you want something to whine about, you can find a clip of me to whine about. That's not hard. I've done 50,000 hours of radio. There's plenty of me saying something out of context that'll get you where you want to go

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