The Ramsey Show - App - Why Your Destination Wedding Might Be Presumptuous (Hour 3)

Episode Date: April 5, 2019

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🎵 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, 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. Thank you for joining us, America. We're glad you're here. Open phones at 888-825-5225. Cecilia is with us in Boston.

Hi, Cecilia. How are you? Hi, Dave. Thank you so much for taking my call. Sure. How can I help? So my husband and I have around $250,000 worth of debt, most of it being student loans, I know. No mortgage because we don't have a house.

And we also have two leased vehicles. We just sold one. We have another one that is over around 2,000 miles. So we've been trying to save up for a car in order to drive that instead of the leased car. And we have a family wedding that's coming up in August in another country. It's my husband's brother. And we've decided in order to help

keep our gazelle intensity up and not take too much of a hit to have my husband go and me stay. And the issue with that was that his family was not happy with the decision, and it was very upsetting, and we got called selfish, and it was tough emotionally to handle that. And we were just wondering, are we being too insensitive? Should we both go?

So we were kind of in a pickle with that. So is his family wealthy? No. So they're all broke, but they're doing a destination wedding internationally. Well, I don't know what his brother's situation is. Well, I mean, if you do a destination wedding and you invite all your family that's broke, it's kind of unfair. That's what I personally thought, right.

Yeah. So where's the wedding? Dominican Republic. Okay. That's not too bad. I mean, what will it cost you to get down there? So one plane ticket for their date is around almost $700 for a weekend. And what's your household income? We make around $60,000 a year combined. Wow, and you have $200,000 in debt.

I cry myself to sleep every night, yes. So how much of the $200,000 were these two cars? Well, I got rid of one of the cars. We got rid of one of the leases, so we don't have that $500 payment. Was that part of the $200,000 in debt that you gave me? No. Oh, so it was in debt that you gave me? No. Oh, so it was in addition to that. Okay. Right.

And how much do you owe on the other car? The other car is a lease. So you don't have that in the $200,000 either? No. Okay. And what is the $200,000? All student loans? So, yeah.

So it's $100,000 his student loans, and it's $90,000 my student loans, and the rest are credit card and bank loans. Okay, so what are your degrees in? My degree is in school counseling, so I took loans in my bachelor's and master's degree. And he started a nursing practitioner degree but didn't finish. So he took the loans for that. So now we have that loan or that debt without a degree. Both of you work? Yes, we both work.

And you only make $60,000 a year? Right. Okay. Okay. Wow. Wow. So your master's degree and all of your work was a really poor investment. Right. Based on the career field that you've chosen out of it anyway.

Because, I mean, if we just take years alone you say a hundred thousand dollars in debt i mean you're making what 30 um no i'm making so i i guess i meant after taxes i'm making around i'm making 50 but after taxes, I want to fix my car. Yeah, you're making $50,000. And what does he make? He just started working a new job. So right now, he makes around $50,000. He just started a teaching job.

But that wasn't, you know, that wasn't much. Okay, so that's like $100,000. $50,000 and $50,000 is like $100,000. Right. So you make $100,000 a year50,000 and $50,000 is like $100,000. Right. So you make $100,000 a year. All right. That's a little different. Well, I mean, $700 one way or the other is not going to change your life,

to the positive or to the negative. It's more the point of who runs your house, your mother-in-law or you two. Right. And that's what this comes down to. It's more of point of who runs your house, your mother-in-law or you two. Right. And that's what this comes down to. It's more of a boundaries issue. And, you know, I might be inclined to spend the $700, except that everybody wanted me to, and then that makes me not want to do it because you're trying to tell me how to run my house, all of you.

But, yeah, $700, if that's all it's going to cost you to get down there, that's really out of $100,000 of your income, and you've got a $200,000 mess. The $700 is not the issue. I mean, you're going to find other stuff that happens that's going to be $700 one way or the other, and both of you need to get extra jobs, and, yeah, you've got to sell this other car. That's a lot more important than the $700. I think it's more of a boundary issue of, you know, you don't get to decide what I'm going to do.

That's not, you know, you don't live here. And sometimes you do things not out of guilt tripping, but just because you want to be kind to someone. But as soon as they start guilt tripping me, I tend to go the other way. So I don't care if you go. It doesn't matter to me. I think you've got a lot bigger fish to fry than that one. So I'm not sure this is a sword I want to fall on.

If it was $7,000, yeah. I mean, you're trying to fly me to wherever for $7,000. That would be different. But $700 is, I mean, you can work extra for a month delivering pizzas and go, right, which you need to probably be doing anyway to earn some money. So it's just, you know, there's so many big numbers here, and that is such a small number that it's more about the relationship issues, the boundary issues for me than the actual dollars in this case. And so that's, you know, the way I'd look at it.

It's so presumptuous, folks, for you guys, any of you, to do a wedding. And I've run into this a bunch of times over the years. It's fine if you do a wedding out of the country and do a destination wedding or something. That's fine. Or do a wedding in your city and your whole family lives in New York and you want to get married in L.A. because that's where you live. But you don't have the right then to be angry if they can't make it over there. That's presumptuous. And that's out of line. You know, if you're all worried about everybody making it, go where they are.

Don't put it in the freaking Dominican Republic. You know, that's just presumptuous as crud. It's just you're presuming upon my money. You're spending my money, and then you're pissed I won't. That's just weird. This is the Dave Ramsey Show. Do you know who is a prime target for identity theft? Your children. Kids have no debts or credit history.

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I mean, it's just, it's like I've done so many dumb things in my life. And I just go, how have I survived all this stupidity? And, you know, it's just God's grace, I guess. And you just get another chance. And the next day, you're not as dumb as you were the day before. I mean, I've done it. I mean, the stuff I have done and I look back on, I think I've made every financial mistake. I never did a payday loan.

I didn't do that one. And the only reason I didn't lease a car was they turned me down because I was so broke. But I would have leased one. I tried to lease a, y'all remember a brand? I don't even know if they make these cars anymore. A Peugeot? I tried to lease a Peugeot. Now, that's two dumb things.

Number one, it was a Peugeot. Number two, I was trying to lease it. I mean, I've done so many stupid things and still managed to do enough smart things because i learned from my stupid that we built wealth well we all done stupid stuff and the thing is you can wander into debt but you can't wander out and the only way you win with money or win at anything for that matter is you do it on purpose you become very intentional and make every dollar behave with your budget right you need a plan but it's kind of like are y'all any of you old enough to your parent maybe it was a regional thing i think maybe it was an age thing we used to go when i was a little kid they would just throw us in the car, and we would go on Sunday afternoon drives and just drive to nowhere around and look at stuff.

I mean, with no destination. Now, the only time I do that now is if I get out like one of our classic, you know, I've got a 1960 Corvette, and if it's a pretty Sunday, Sharon and I might drive around and do nothing just to be in the car and just to be enjoying the thing and have, you know, two old people in an old car tooling around. It's kind pretty Sunday. Sharon and I might drive around and do nothing just to be in the car and just to be enjoying the thing and have, you know, two old people in an old car tooling around. It's kind of cool. You know, it's fun. But the number of times I get in the car now that I'm not going somewhere is almost zero.

Most of the time I'm going somewhere. And I'm even learned how to work this little smartphone thing i've got and it'll tell you how to get there there's a woman that lives inside that thing that's bossy and she'll tell you where to turn and that you missed your turn and there's a blue line on the page and the whole thing you know i mean you got a destination and there's a step-by-step plan to get to the destination and if you want to go to florida you've made the wrong turn son you need to go that way if you want to go to michigan you made the wrong turn you to the destination. And if you want to go to Florida, you've made the wrong turn, son. You need to go that way. If you want to go to Michigan, you made the wrong turn.

You need to go that way. If you want to go to that restaurant, you made the wrong turn. You know, you don't get places on accident, do you? You don't just go wandering around and go, look at that. We ended up where we didn't even know we were going. If you aim at nothing, you'll hit it every time. And people spend more time selecting what Netflix they're going to binge on than laying out their monthly budget. They spend more time picking out a suit of clothes than they do their career. They spend more time on stupid stuff than they do on smart stuff.

Haven't we all done that? And you know the difference in people who are what we call successful? They're successful in their marriage. They're successful with their kids. They're successful in their business. They're successful in their spiritual walk. They're successful in their wealth building. It's because they do it on purpose.

They have a plan, and they become their own little bossy woman inside the smartphone that tells themselves what to do. I have a plan, and no, I'm not going to do that because it's not part of my plan. I'm not going to impulse a new car on a lease because my plan is to build wealth, and I'm not going to do that. That's dumb. I'm not going to spend this money because I didn't plan to spend this money. I'm not even going to be a guilt-tripped into giving this money because I hadn't planned to give this money. Now, if God tells me to do it, I'll do it. But just because you told me to do it doesn't mean I'm going to do it. And so, as a matter of fact, there's a good chance I'm not going to do it just because you said to.

I'm just kind of obstinate that way. So Financial Peace University is our nine-lesson class where we've taught this to six million people. Here's what you do if you want to win now you can go on a sunday afternoon drive with your money and most people do they have no destination and they arrive promptly at no destination if that's your destination no you're going to get there you're going to get to no destination every time and these are people that wander along going i sure hope the government which is well known for its ability to handle money will take care of me when i'm old well this is a dumb butt retirement plan

because the government can't add i mean and there's a bunch of new ones up there that can't add they're everywhere basic math skills are going out the window. And so you really have to take care of yourself, and the only way you're going to do that is with a series of intentional acts, and we'll show you how to get out of debt and how to save for emergencies and how to start investing and how to follow the path that 10,000 millionaires that we studied have followed. And so that you can be able to put yourself in a position to change your family tree,

live your life generously, it's your turn. But you're not going to get anywhere if you don't know where you're going. It's an intentional act. And sometimes you need somebody to show you how the map works you know i'm the i'm the mean little woman inside the cell phone for money that's it that's it it's my voice that's inside the cell phone for when it comes to money i'm the one that says don't buy that that's stupid i'm the one that says credit cards are stupid i'm the one that says stay out of the payday lender i'm the one that says avoid whole life life insurance i'm the one that says leasing a car is stupid i'm the one that says credit cards are stupid. I'm the one that says stay out of the payday lender. I'm the one that says avoid whole life life insurance. I'm the one that says leasing a car is stupid.

I'm the one that says the credit card is the cigarette of finance. It'll kill you. And it's not even popular anymore. So check out Financial Peace University. Go to DaveRamsey.com. Call our Ramsey concierge team. They'll get you signed up. 888-22-PEACE.

888-227-3223. Guys, you can do that or not do it. It's up to you. But the thing is this. Winning is an intentional act. As a matter of fact, it's a series of intentional acts. Turn here, turn there, don't turn here. Hope you missed your turn.

And, you know, course correct. Get there. But you have a freaking destination, and you can tell if you're making progress towards that destination or not. And that's how this stuff works. Nick's with us in Iowa. Hi, Nick. Welcome to the Dave Ramsey Show.

Hey, Dave. How are you doing? Better than I deserve. What's up? All right. So I just sold my car for $3,500, and I'm wanting to know if I should buy a beater car. I'm a senior in high school. Should I just buy a beater car and drive that for a couple years, or however long it lasts um or should i spend like an extra maybe five hundred dollars and buy a good four thousand dollar used car how much money do you have other than the 3500 well i've got the so the 3500 and then um i want to be a commercial pilot

so i'm actually up for a ten thousand000 scholarship to pay for my first license. So I have money I saved for that that I have on account with my flight school. You have $10,000 for flight school, but you think you've got it covered with a scholarship? Right. Well, no, I have $4,000 left in my flight account. I have 11 hours of instruction already done. You have $4,000 in your flight account, but you need that for flight. Maybe.

Depending on the scholarship. You can't spend that money. That's more important than the car. Right. Okay, so what else have you got? I borrowed $4,000 from my brother so I could put his $4,000 and then my $2,000 into that flight account. Yeah, I would get that debt paid back as quick as I could.

I would buy the cheapest car you can buy and go to flight school and get your brother paid back. One Dental is a company I've been telling my listeners about because I know these guys will save you money at the dentist. One Dental is a dental savings program that allows you to go to one of over 158,000 dental practice locations nationwide, and save on things like cleanings, dentures, root canals, crowns, and even orthodontics. Here's the really cool part. You can join One Dental right now, and you don't have to worry about high deductibles, waiting periods, or pre-existing conditions. Just find your highly qualified dentist in the network,

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Hey, guys, how are you? Doing great, Dave. How are you? Better than I deserve. Where do you guys live? Carrollton, Georgia. Okay, the Atlanta area. All right, welcome to Nashville. Good to have you. And all the way up here to do a debt- to Nashville. Thank you. Good to have you. And all the way up here to do a debt-free scream.

Of course. How much have you paid off? We paid off $115,000. Way to go. How long did this take? About two years and ten months. Ten months. Okay, cool.

And your range of income during that time? About $50,000 to $60,000. Wow, you've been after it. Oh, yeah. What kind of debt was the $115,000? We had $85,000 on our house, and we had about $30,000 in student loans. You paid off your house? Yeah, we did.

I'm looking at weird people. Way to go, you guys. How old are you two? We're 28. Both of us. You got a paid-for house. Yeah, I love it. Rockstar millennials, man.

I love it. Good job, you guys. Thank you. Wow, that's amazing. What's the house worth? Probably around $130, $140, somewhere around in that. And you own the whole freaking thing. Sure do.

I love it. I love it. I love it. What do you guys do for a living? I'm the eighth grade math teacher. And right now I just do the after school program with the kids. And then I picked up, I've got a lot of little oddball jobs. Like I proctor for the SAT. And then I work at a cafeteria at night.

That kind of started when we were doing this. I just picked up a nighttime job, and it just helped. Yeah, it does. It's real money. Yeah. Very cool. How long have you two been married? This will be going on four years.

Okay, so right after you got married, you decided we're going to get after this debt. We're going to pay off this house and everything else. What lit the fuse on that? How did you know to do this? Probably our son who's sitting over there. We realized that I wanted to stay home more, so we didn't have to do daycare with our son. And then we realized with our income, we were going to have to do something. We were going to have to do something because we would kind of break even.

So we looked at our student loans, and we said, man, the interest on those things is so high. So we're like, well, let's tackle our student loans and make sure those are done before our son comes along. And then when we got that done, it actually seemed a lot easier than we thought it was. And then we decided to tackle the house. Yeah, because what happened is once we knocked off the student loans and then our son was born and then of course you got those bills so you knock out those bills we were sitting there with about 50,000 in savings going oh my gosh we were just killing it and so we said i think we can do this house i think we can knock this out so yeah way

to go that's fun that's fun so how'd you get connected to us? Well, whenever I get into something, I go full into it. I go gazelle intense. So for me, I was trying to look, okay, this is weird. Is this worth it? Should I pay off the house, all this stuff? So of course, I started YouTubing and all this stuff. And I fell upon you and I go, man, this guy has the same mentality as I do. So I just started reading, watching your conferences, all that stuff, and I just started going at it. And a lot of people tell you, like, oh, well, everybody has a house payment and stuff like that, so you don't think it's weird. And then, well, he's always been a saver.

And I've always saved, not as much as he does, but he's really good at it. And it's just he does a lot of research. And you've helped us a lot with a lot of the knowing how to switch insurance companies and just different things, like knowing that a change is okay, you know? Yeah, yeah. Very good. Very cool. So you've studied this in depth, and you've done it, this whole idea of this. You're 28 years old.

You have a paid-for house. This is just incredible. So what's the secret? Tell people, what do you got to do? If they come to you and they go, what do you do? You guys are weird. We want to be weird like you. We want to be weird like you.

When I reflected over everything, I started to think there are three kind of things for me. And one of that is the gazelle intense. Like for me, I could have 100 cheetahs around me and I'm still getting out of there. I'm finding a way. And that's how intentional I'm about. Perseverance. And I tell all my eighth graders all the time. I say, you got to persevere.

We had hiccups along the road. You know, we had our washing machine go out, transmission go out in one of our cars. Yeah. And you just, you keep marching forward, you know, it's going to pay off. And then, um, also the communication, if you're working with the spouse, that communication is really good. Um, you know, it helps being on that same page and everything like that. And knowing that, um, you know, change is okay. Like it's okay to, you know, change your grocery store or change your insurance or change your phone company

that we did too. You know, it's okay to do all those different changes and don't be afraid to be embarrassed or be different because,

I mean, there's so many people who are like, oh, we're going to go out to eat. You want to come with us? Well, no,

I can't right now, you know? I'm living like no one else so later I can eat anywhere I want. Right. Or Taco Bell. There you go. That's true. Maybe not. But, right now you know i'm living like no one else so later i can eat anywhere i want right or taco bell maybe not but yeah okay wow way to go you guys very well done yeah i had a friend of mine that was building wealth years ago and he said i want to get enough money that i can learn to read the

menu from left to right. Because most people start by looking at the price. Right. And then they figure out what they want. Exactly. Instead, he said, I'm going to figure out what I want because it doesn't matter what it costs because I've got enough, you know. And that's an interesting place to be emotionally. Very well done.

Who were your biggest cheerleaders telling you you can do it? Because there's all those people saying it's weird that you can't do it. Yeah. But who told you you could do it? Because there's all those people saying it's weird that you can't do it. But who told you you could do it? I don't know. I think for us, I mean, you have a little family. You kind of talk to them. They kind of give you a little bit of like encouragement. Advice and tips too. Yeah, I think. But just for us, we really just wanted to knock it out. I think we just

saw, hey, we could give ourselves our own pay raise by doing this. Yeah, yeah. And for me, too, I think one of my biggest goals is once we had Oliver, we said before our second kid, you know, why don't we just try to do this? So that way,

once our kids are old enough, they don't remember all this. We can go have fun. We can go on vacation. That's pretty much what we've done this spring break. Yeah. Anything you want.

Yeah, exactly. You don't have a house payment. I know. You can do anything you damn want. Yeah, exactly. You don't have a house payment. I know. You can do anything you damn want. This is amazing. Maybe he'll forget about all the egg salad sandwiches. I know. Oh, he already has.

That was last week. So how old is Oliver? He will be three in August. Okay. You want him in this shot when you're doing this debt-free stream. I'm sure of that. Yeah, yeah. So very cool.

Three years old, and the only memory he'll ever have is of a completely debt-free family. Absolutely amazing. Way to go, you guys. We're proud of you. We got a copy of Chris Hogan's Everyday Millionaire's book for you. That is the next chapter in your story for sure. You are on your way to that. You guys are incredible. So well done. We're proud of you. Thank you. Very book for you. That is the next chapter in your story for sure. You are on your way to that. You guys are incredible.

So well done. We're proud of you. Thank you. Very proud of you. Timothy and Tessa and Oliver from the Atlanta, Georgia area, $115,000 paid off in two years and ten months, 28 years old. They paid off their house! I love it!

Count it down. Let's hear a debt-free scream. Alright, ready? Three, two, one. We're debt-free! I love it! Woo! Man, that is

so... You're 28 years old. You got a paid-for house. You got no debt of any kind, and you know how to handle money,, you're 28 years old, you got a paid-for house, you got no debt of any kind, and you know how to handle money, and you're working together. Do you know how wealthy you're going to be? Oh, my gosh! Wow! Absolutely incredible.

Absolutely incredible. Fabulous. Fabulous. So please don't tell me that the millennial generation is a bunch of doofuses and that they all think socialism is awesome. They aren't and they don't. Those people right there are the kind of people that determine their own destiny. They don't wait on the government to fix their destiny.

These are the kind of people that take the bull by the horns. They poke the bear. They have a paid-for house. They're 28 years old. Just shut up. I love it. Absolutely beautiful. Absolutely beautiful.

Man. Wow, what rock stars. This is the Dave Ramsey Show. Thank you. Our Scripture of the Day, Philippians 4.12 I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well-fed or hungry, whether living in plenty or in want. Charles Spurgeon said it this way, A man's contentment is in his mind,

not in the extent of his possessions. Alexander the Great, with all the world at his feet cried for another world to conquer yes he did richard cruz's contentment journal is a three-month walk through contentment one day each day the first 30 days are spent on gratitude the next 30 days on humility which leads you into the last 30 days on contentment. It's on sale now. Rachel's going to be walking you guys through it on Instagram beginning in the middle of the month, beginning April 15th. And the thing is booming.

I just got a sales report on it. It's gone zoom, zoom. I mean, it went through the roof. Absolutely amazing. Thank you. It's number 150 or something on Amazon right now. It's gone crazy. And it's on sale here, of course, at rachelcruz.com or davramsey.com.

And the number of you that are wanting to journal and to keep your thoughts and to build these muscles, because if you build the gratitude muscle, the humility muscle, the contentment muscle will follow. And very few people have a good life with money until they learn to be content. Contentment is not a lack of, it's not apathy and it's not a lack of ambition. It has nothing to do with it. It's not even on the same spectrum. Contentment does not mean lazy.

Contentment does not mean lethargic. It does not mean any the same spectrum. Contentment does not mean lazy. Contentment does not mean lethargic. It does not mean any of those things. It's just your view. It's just your view of life. LaTosha is with us in Washington, D.C. Hi, LaTosha. Welcome to the Dave Ramsey Show. Hi, Dave, and thank you for taking my call.

Sure, what's up? I'm calling because my mother is about seven years from retiring. She's on disability and she has worked for Walmart for about 10 years. And in that time, she accrued a little less than 9,000 in her 401k. And so, of course, we took that out and you know that's being managed now and i'm trying to figure out another way to save for her for retirement okay is she is she working no she's not she's on disability she's already retired she's on disability yes and so what is she what's her income um the the actual disability which is a little over a thousand a month Yes. And so what's her income?

The actual disability, which is a little over $1,000 a month. Okay. And so is she able to exist on $1,000 a month? She is where she is right now. She's in actually a little town in West Tennessee. That's where we're from. So she's able to live on that. Okay.

And like I said, where she lives at right now. And she has a tiny little nest egg of $9,000 that we've rolled over, right? Yes. Is there any other money anywhere? No. Okay. That's it. What is the nature of her disability? She has epilepsy, and also whenever she was younger,

there was a medication that she was taking for epilepsy that's now no longer um being offered um and it caused some issues with her cerebellum which causes speech and balance um issues and so um so how old is she she's 55 now. Okay. Okay. Well, if I'm her, I'm going to be asking myself, given these limitations that I have with speech and so forth, what am I able to do? Because $1,000 a month is a fairly low bar to beat, right? Yeah.

And so, you know, I read a book years ago, Jobs You Can Get With a So-Called Disability. And in other words, it was written by a guy who was blind, who had lost his sight. And he had gone on to make $100,000 a year doing whatever. I don't even – probably writing that book. I don't know. But, you know, the idea being that, you know, you can fold your hands and say from 55 to 85, I'm going to try to make it on $1,000 a month. And that's – you know, you couldn't blame her on doing that. Right.

But, you know, then the other question you ask yourself is with the limitations, and these are legitimate limitations. I mean, she's got legitimate issues. But with the limitations, what can I do to earn more money? Because there's only one way to have money to save, and that's earn more, right? Because more right because thousand dollars a month the fact that she's making it on that's pretty impressive yes we have her in um some different type of housing um to help with that and so we need to keep her expenses down yeah absolutely before before the disability kicked in it took us five almost five years to get a disability so i had supported her um the entire time yeah and so thankfully it's income-based and

so it otherwise how's her health um it's okay it's okay you know we we definitely work on things to help the memory and things like that to keep everything, you know, going. She has a cane for, you know, her balance and things of that nature. So, you know, she's okay. Did she ever make anything with her hands? Do you remember her being crafty? She used to sew a long time ago, Dave. She used to do some sewing because she used to work in one of those sewing factories. It's been a long time.

I wonder if you buy her a sewing machine and she starts to make some item that's a little different and unusual in a good way that someone on etsy or ebay decided was the hottest thing since sliced bread and let her sit and sew some of these things it wouldn't take many of them to get to another $1,000. No, it wouldn't. And it would give her something to do, and she would feel more productive than watching Oprah reruns. That's true.

I don't know. I'm not trying to put her to work. I'm just trying to put her to work, you know, just for two reasons. One is it gives her something to do, and two is the dignity of it is what I mean by something to do. And then, you know, anything we can do to get her income up, another $1,000 a month, we doubled her income. You know, that's pretty substantial. And do some side hustle stuff. And it's something where she's not working for the man, so to speak. And so she's not got to go in and punch a clock.

And so if she's having a bad day with her balance or a bad day, you know, or something, then don't do it that day, you know. But then, you know, but then someday she's got more energy than others and go do something with it. That's what I would want to do if I were in her shoes. I'm just making something up there. But, you know, if she's got balance issues and it had to be kind of a self-employed thing, that kind of a thing. And if it's something done with your hands, it's not an intellectual exercise where her memory is struggling and that kind of thing where she's not. You know, she doesn't have to remember some numbers or something from four days ago. You know, she probably doesn't want to do accounting from home,

you know, that kind of thing. That's what I'm talking about. So I'm going to send you a copy of Christy Wright's book, Business Boutique. You look through that and check out Christy's materials and see if it inspires you for something you could help her do and um you know just just to add a little bit of a supplement to this because she's very young she's very young and and a thousand dollars a month for this many years is a long long long long long long time so good question hang on on. Kelly's going to pick up.

We'll get you a copy of a business boutique book, and hopefully that'll help you guys get through this. Open phones at 888-825-5225. Elizabeth's on Facebook. I'm not going to get to it. That ringy dingy means the show's over today. This hour's over. Thanks to James Childs, our producer, and Kelly Daniel is our associate producer. We appreciate you guys joining us here on the Dave Ramsey Show. Gods and Grandma's Ways of Handling Money. We'll be back with you before

you know it. In the meantime, remember, there is ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Hey, it's Kelly, associate producer and phone screener for the Dave Ramsey Show. If you would like to do your debt-free screen 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.