My Husband Hid $140,000 in Debt! (Hour 3)
The why of Ramsey solutions broadcasting from the dollar car rental studios. It's the Dave Ramsey show. Work 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. Open phones at triple eight eight two five five two two five. That's triple eight eight two five five of a two to five. Kim is starting off this hour in Florida. Hi Kim how're you doing. Great how are you dave. I deserve what's up in your world. Well let's see I learned about nine months ago that my husband had acquired that I did not know about I've always lived completely debt. Free prior to US getting married which I didn't get married till I was thirty six and owned a house at the time and paid cash for my car brand new. Didn't know about you about moment but So Oh married then. Fourteen years into the marriage macho what happened. He is a big follower of you and we've attended two of your live by the vents I enter these to you when we first started spending and have he's even taught. SP before at our church which in our last you know place where we're living so I learned out of the blue that he had charged on a credit card. About fifty thousand dollars and there were a couple of other credit cards as well that he eventually admitted to ten he had also Taken taking withdrawals from IRA and amount of about eighty thousand. So needless to say this is quite devastating to a marriage and to me ooh so inconsistent with everything else that you know about him. It tells us that there must be some extreme thing going gone yes lucky. He's leading a double life for some reason which indicates fair or an addiction. Or something. Like that what's going on right. I asked him point blank. Denies any sort of affair. Although meeting the person I am I ordered all the credit card statements And looked at those and I can't there are things on there that would lead me to think and believe that that could have possibly gone on whether well there's something that's inconsistent. I mean because he's leading a double life agreed. I mean he not only lied about this and hit it. It is an extreme amount. And it's not like he was you know this is a guy who taught financial versity claims to live one way and is doing things that are absolutely perpendicular to that which tells us. There's some kind of extreme switch is flipped in his head. Right I I I would think now I will tell you that we have made a big move and he had gone through several job changes changes and had gone from making close to two hundred thousand dollars a year to less than half of that and in the midst of all of that Bought a house and I kept saying. Let's find out exactly what we want to pay for a mortgage. Let's look at all our investments and that was kind of ignore it and we. We bought the home and his jobs. Continue to change and not get better And so am I mean while we were renovating in some on this house. So he has led me to believe that this was all that and things were just hide and they got out of control troll any not involved enough in the budget to know where all the current money that he was making was going therefore knowing it was enough right right because he took over all of the finances which is also talk with everything else. You told me about what he's been taught right shot. Well we started before I knew about all of this and of course because is that was not based on all of the absolute truth We had stopped seeing that gentleman saying well. He's not really helping. And then I went back to my own Counselor and I have been seeing that person and He has read a book and told me he thinks. He's CO dependent. And I am not certainly thinks he's codependent right right. I'm not certain where he no no. He's not codependent as a liar. Different Than Codependence uh-huh he's a deceiver I don't know what the root of his deception is. But that's not codependence. I mean he's lied and not just a little. I mean dream amounts of lies and hiding has worked very very hard to hide this from you in hand. What's most disturbing is not just? That is that he that it is so perpendicular to everything he claimed claimed to be and so it. I don't know in my experience and if you were my friends and you to shut down at the table able with a cup of coffee with Sharon me I would not be very gentle with him. I would've I would've been ripping him to shreds not because he didn't follow my stuff but because I'm going to try to find out where the what's really going on down in here 'cause something some kind of a switch flip that is not good there is there is an addiction. Or there's an affair I'll give you a ninety percent probability one or the other. There's a gambling addiction and There's a honey on the side. There's a pornography thing going on with prostitution there is. I'm not trying to be melodramatic. It's just too extreme extreme. It's too extreme the dichotomy of who it's so opposite and so so perpendicular to everything we know about this man until we learn this and then he doesn't come clean right intro to rationalize it away and sweep it under the rug which that tells me more addiction than Affair Fair But I don't know I'm not a mental health counselor. I've just worked with them in situations like this for thirty years. And so I I can just smell these rats. So I'm the I'm so sorry horrible thing for you. All to go through and honorable that he went through this job. Loss in it led lead to whatever this other thing is because their self-esteem hit on all that is probably precipitated. Someone but Very much an Alpha male on yeah for sure this office team you know I wanNA help them. Whether we're together or not I want him to be healed and whatever it is because okay well this is the for you. The normal on normal mentally stable person in your show shoes would have all the the same oceans of one hundred and forty thousand of hidden debt. We call it financial infidelity in our world because you process the same trust emotions. Sion's being broken as if he had come in and said he had an affair with the secretary Touches the same button for you if you're a normal human being and so what that means is that you need to get really good counseling and not financial counseling but a good counselor in your corner. And if he wants to engage in some healing with a quality marriage. Counselor that a call out all the BS that I'm seeing and you're seeing in his life and help him start to clean it out You guys have a chance to turn this around. I'm so sorry I'm sorry. This is the Dave Ramsey show. You've been working hard to get control of your money but if you do this one simple thing that we all do do. You are literally at risk of being hacked and someone stealing what you've worked so hard for. Do you ever use public Wifi. Hackers can use a simple bowl device to mimic WIFI with just a little bit of skills. They can take over your financial life. That's why I trust cyber ghost. VPN TRY IT for free for seven days protect up to seven Internet devices and keep all of your internet connections secure Download Cyber Ghost. VPN Today eight from your APP store Wow whether you're putting in a kitchen sink or fixing a gas leak or working on your car. These days are certain things. You just. Don't do for yourself. I don't pull my own teeth either. You don't. Diy everything to save money. Do It yourself some things you can do it yourself but we live in a culture today where people know. I know what they're doing. They're called experts and they can help you change everything that includes doing your taxes if you have complicated taxes now if you have a very uncomplicated tax turn you're not need to pay a pro bunch of money to do this but if you have a complicated tax return a few things here or there you very well likely could save Mon- enough money on your taxes to pay the pro. I can promise you I do not work on my own car. I opened the hood the other day it the whole thing looks plastic. You have to remove like seven things just to see the engine. The chances of me knowing what to do under that hood is zero now and I used to fix all the stuff when I was sixteen. Eighteen twenty five years old. But I can't do that now and I'll do my own taxes anymore either but when I was twenty I did mound taxes but everything was simple. The car was simple then and the taxes were simple. Then they're not now so go to Daveramsey dot com slash tax quiz and take our quick quick assessment in five minutes. We'll help you figure out if you should follow yourself or if you're better off using a tax pro and we will tell you the truth. Go to Daveramsey DOT com slash tax quiz to start the quiz today. Tim Is with us. Tim is in Missouri. Tom How are you. Hey Dave I'm doing well. How about yourself better than I deserve? What's up well? I am currently working through the baby steps. I'm currently on baby steps. Three and four saving fifteen percent of my income for retirement and then also even a bunch of money for Hopefully House that's down payment in a upcoming wedding eighteen months all right trying to figure out what intensity as you go with because my fiancee has that. I'm saving up money for that as well. So when you're dealing Gazelle intensity or should I be kind of living why you're buying furniture here. Upgrading my car. Things like that I think paying for weddings more important on a car so I don't think I'd be the car until I had the wedding. I think the day that you get married and come home from the honeymoon writing a check and paying off hurlher debts. More important than you. Upgrading Car I think a few other things are so just using the car upgrade as an example of a luxurious. Take it easy kind of thing. This example you used right so yeah yeah but I mean what I always do stuff like this man is I just sit down and say okay. What do I want the most? It's not that I can't get the other. It's that I'm GonNa get it second or third or fourth or fifth and so what I want most and if I'm in your shoes on what this wedding that's the most exciting thing in in your life right now isn't it. Oh Yeah Yeah for sure just more Taken back I send calling in listening for you know I. Yeah I mean if I'm if I'm your when you're all I think about if I was getting married that's the whole thing and you know your financial goal tube because paying for the wedding is a big deal and so how much do you need for the the wedding Thinking about fifteen thousand. Okay have you all set a budget yet Still in the early stages of planning but we're thinking it will probably be around fifteen or twenty. Okay well then you need to say I got eighteen months to save that and so if it's eighteen months for eighteen thousand that's thousand dollars a month right. Yeah Okay and so we gotta have that budget. Oh by the way. If you got there in nine months you could move on to your next goal. You don't have to wait. Eighteen eighteen months to get there in fact. You can't because you're not giving you have to pay for most of it before you get there so But yeah you need to lay out your goals or exactly what it is. And it's you know what I'd do say all right. I'm GONNA stay Gazelle and to get that done and then I'm GonNa stay as Allenton still have enough additional savings to pay off her debt when we get home from the honeymoon and yeah and only then when I started talking about buying furniture upgrading because in a sense buying furniture upgrading grading is causing her debt. To hang around longer. After you're married that makes sense. Yeah so I'm just prioritizing. I'm just listening. What do I want? I wouldn't want second. What do I want third? And we'll get there to all the houses down the list. It's it's on down the list Before I save for a house in your situation I might move up in car or I might do some luxury things or whatever those are possible plays as well so But you know you just listed out and say this is what we want to do this. We Wanna I wanted to second and it was a great right. I remember the first time I actually implemented that strategy folks. It was like this awakening because we had always. I think we were just being melodramatic hillbillies you know we were just like everything was all or nothing right and it's like you have to fight to the death because it's all or nothing and we finally realized it's not no it's just which is i. It's yes to both everything on. His list is yes. The wedding the car upgrade the house purchase paying off her debt increasing the quality of his lifestyle. Loosening up. All of those are yeses just which yes comes first. That's all it is and it saying no to something so I can say yes to others. You're always going to do that because money's always finite but my wife was driving one of those This a thousand years ago. y'All remember those two tone ugly Blue Astro vans. They were nasty looking but we thought at the time there were cool had like bucket seats and it was like a mini van. But it wasn't a mini van was like between a real van a mini van kind of thing and back in the day right and the kids. The you know we had kids so this is GonNa be our kid holler caller but we drove the wheels off that thing and we raised several dogs and several kids in that van and it was nasty and it was worn completely freaking out. It was on the second transmission transmission. The old engine was on its last leg and You know so. We're out of debt. Finally we're booking long. We're doing pretty good but we still got this nasty. But uh-huh van right and the business was growing and I had this particular thing I could do down here at the business. It was like twenty five thousand dollars ars and I was pretty sure that if I took that twenty five thousand in place that there's GonNa make one hundred per T.. Shirt I mean it would take a few years to get it all back but I was it. It was a really as an investment. It was a growth thing in the business. I just really really really wanted to do. And my wife is not wanting she's really really really really really wanting to no longer drive this ugly but old Astro van and so we get this big argument about it. And it's like well you know it's like as if we we had to do one and not the other and I remember that fight because it was a breakthrough and finally just said wait a minute. We can actually do both. We just need fifty thousand instead of twenty five thousand and if we're going to buy twenty five thousand dollar car or a twenty five five thousand investment at the office. Oh we need fifty thousand if we're going to do both right and so we've got to have a where we're going so it's not a matter of never doing doing one or the other. It's just which one goes first as you might imagine the purchase of the twenty five thousand dollar suburban which was a five year overdue upgrade. This car considering all the Hell my wife had been through with me in this process And it was a small percentage of our income and everything else but as you might imagine the first twenty five went to her getting the the white suburban Oh that thing was a land yacht too so long but they still harvest. Don't make the same body the same wheelbase on that thing so big old frigging car anyway. We bought her her bought her that before we moved on and did the business and then we went ahead and did the business upgrade as well. There's just not it wasn't no to both which one is first. And that's really Tim's dichotomy. Not Yes or no which ones I. And this is the Dave Ramsey. Show the folks great news. Interest rates have dropped again my friends at Churchill mortgage can can lock in your fifteen year fixed rates for around three percent right now if you qualify. They're good for up to ninety days call Churchill immediately radiantly call them even. If you're just thinking about buying or refinancing home do it right now before these rates go back up all it takes ten minutes to see what you can qualify for call triple eight eight loan two hundred or Churchill mortgage dot com. This is a paid advertisement in. It one five nine one in the molest consumer access dot org equal housing lender seventeen forty nine mallory lane suite. One Hundred Brentwood Tennessee. Three seven zero seven and in the lobby of Ramsey solutions. On that debt freezed. restage is whether it's Jay. How are you? I can't hear her try one more time. Try again jail. NOPE nope still can't hear. You GotTa know. Can you hear me now. I can hear you magical when we push the right buttons back here okay. How are you? I'm doing doing great and yourself better than I deserve. Where do you live? I live in Salem Oregon. But I'm from Fort Lauderdale Florida. Cool all the way to Nashville from Oregon to do a debt. Free Scream Kareem. Yes good for you. How much have you paid off? I pay it off. Eighty four thousand four hundred good for you. And how long did this take you eighteen months. Wow and your range of income during that time hundred six thousand two hundred and thirty six thousand look at you. What do you do for a living? I am a nurse practitioner specializing in nurse. Midwifery of of course specializing in nurse. What Midwifery Oh? I couldn't get the whiff report okay. Took me a second. I'm a little slow on the uptake. All right eighty four thousand thousand. Boxing debt may be to be a nurse practitioner. Maybe student loan so it was fifty six thousand four hundred fifty nine thousand four hundred for student loans and the rest were my credit cards. Oh I moved to. Salem Oregon bought a beautiful home it was almost one hundred years old in caps wiping my card. I need this now. Yes absolutely. That's what happens. I see some things I need after a by the house Houses expensive but then filling it up. There's worse it is worse especially when it's one hundred years old and you walk into plumbing electrical need that for sure. Wow Wow good for for you okay. So eighteen months ago you're living in the house ripen the card just happy happy happy just broke as a just broke his broke and what happened. What woke you up? Well it was normal but then I finally became really frustrated. I was putting money into retirement. I bought a new home and I felt like I am just working to pay off debt. It's not going anywhere I've been fifteen years and I'm still looking at fifty. Eight hundred eighty four thousand and I'm like why not going away and something I I don't know I was looking on Youtube. And you came across and I was like. WHO's this guy with this country accent? What's what is this? This is crazy hillbillies Willie and then I just started listening to you everyday on you too. May People at work be real irritated about hearing you. But it's that's what worked for me over very cool so that made you stop and go okay. Maybe I need to adjust some stuff because what I've been doing hasn't been working absolutely so I started doing airbnb my whole. Oh Yeah I live in the attic so I have two rooms on the first level and I just thought something has to give. I started working extra shifts and I I started seeing that I cry. Student loan was paid off. I was like Oh my gosh. It works well. I just kept going can do this. Credit cards paid off and get them chopped up and absolutely no way to go. So how's it feel free. It feels amazing and I had a discover card and I was like. You're not discovering anything they discovered is. I don't like you people have discovered yes and now I can just live life and I can travel and see family family and friends and the weight is off my chest and I'm like I did it. Yeah it was amazing. It's almost like when you graduated from school right. Yeah if you've pushed and pushed in pushed and pushed to get that goal and then you finally get there like analysts already pounds. Go Look at you go. Yeah that's awesome. It is well disciplined begets discipline discipline out here. So well done man. That is amazing. All right so when pick your friends that were going okay. I'm tired of listening to country guy with the accent on Youtube. They win but then they find out you paid eighty four thousand dollars in debt and they say wait a minute wait a minute how did you do that. What do you tell them? The keys they key is is knowing why you want to be free. And why did you want to be free. I wanted to be free to travel the world and I don't want my job to own me my money to work for me not working for my money with job very good. So where are you going to travel now trout. While I'm going to Vietnam in August and when I actually became debt that free September seventeenth of two thousand nineteen I went to the Dr. And that's actually. Why didn't my first free scream DA? Okay on the beach on the beach just yelling up listen to me God. I'm dead free. Love it good for you good for you so having a good why is a part of getting out of the dead. I agree with that. What else did you tactically due to get out? I can't people keep me accountable so there was a time when I wasn't listening to you as much coach and my Ama's would say well. Why isn't Dave on and I'm like Oh yeah I'm supposed to be sticking with it because that would be when I'm like well I WANNA go Out For lunch. That's not part of the Dave Ramsey plan. And so as soon as they were like. You're not listening. I was like okay. I'll get back to it so I gotta get back to it because I'm I'm not gonNA get out if I don't get to it right. I had to listen all the time and if I couldn't at work because I'm seeing patients than I would make sure when I'm home. I listen I'd be at the gym listening I'm cooking dinner listening in the car. Driving our to Portland to go. The podcast just wore you out. No I still love. I still watch it all right but I mean you had it on all all the time all the time. Oh my gosh. Wow that's absolutely amazing. Well congratulations who were your biggest cheerleaders your Ma's Ama's were my biggest cheerleader and one of them is here Sunday. My Mom's love and support. Yeah Yeah you. So what did your mom do grow when when you were growing up. What does she do for a living attendant? A flight attendant. Okay and you grew up where I grew up in Fort Lauderdale. You said that earlier. Yeah okay all right and so. She's watching her daughter. Who got the medical degree? Clean up this mess. She's got to be really proud. CIS gotta be really practice like looking at your kids like win like Addis Addis. You Change Your family tree. It's good for your mom so Yeah good for you very well done. Congratulations proud of you. Well well we got a copy of Chris Hogan's book for you every day millionaires. Because that's definitely the next chapter in your story. I mean you're making one hundred hundred thirty six thousand dollars a year and and You WanNa be payments. I sure don't have anything that's amazing. I'm so proud of you very very well done. Jay from Salem Oregon Eighty four thousand dollars paid off in eighteen months making one hundred six to one hundred thirty six counted down. Let's hear a debt. Free scream three two one. I'm done in. This is how it's done. This is how it's done the proud of you very very good stuff. It takes an incredible amount of discipline and intellect to get through the The medical aw studies that Jay did To be able to get to be who she is and then to turn after that and apply that same. I'm Kinda disciplined and intellect to this situation and say eighty four thousand dollars in debt. I'm not getting traction. GotTa change some things and isn't it interesting. How you you just also need a voice in your head? We all need accountability. Someone that's just don't be stupid and then we also need somebody that's encouraging and says you can do this. You got this. I'm proud of you know you can do this. And you know. There's this combination that one two punch between Dhabi stupid and you got this. We gotTa have both people love US enough and that's me I'm here because I love you and I want you to win and I want you to be able to do this stuff and I'm Gonna I'm GonNa Straight up. Tell you when you're stupid you know. Oh that you call here on the air you'll get that but also tell you you can do it you can. You can win you. Can you can become wealthy in America today. You can live your dreams you can change your family tree you can set yourself in a position that you completely change the entire trajectory of everyone with your last name that follows you. Wow there once was an old man vanderbilt. That was the guy started it right right. There was an old man. Rockefeller that was the guy that started it right. There was an old man or Old Lady. Count it down there. You name the name. Someone changed that family tree to where now it's a household household name many many many many generations later. Why not you just a series of decisions you get to decide? Hi this is the Dave Ramsey. Show Yeah our scripture. Today proverbs. Two seven he stores up sound wisdom for the upright. He is a shield appealed to those who walk in integrity. Florence Nightingale said. I attribute my success to this. I never gave or took any excuse and Paul is with US policy in Texas. Hi Paul how are you Dave plugger to speak with you. been longtime first time caller. Well thanks chuck GONNA help Easy numbers parodies three I've got about three hundred thousand and I have a hundred thousand note left on my mortgage. I rent the house out and live in a one bedroom. I ran out the house his five bedroom and the question is should I pay off the house on schedule in ten years and let us continue to pay the rent and the property taxes and part the rent or should I pay the house off in twenty four to thirty six months. My thought was take all of my money and continue to Mac daughter my chest P and how old are you out I'm fifty no children's twice married now retired marriage and I have no no no debt and thirty thousand dollars in the bank. Okay then the three hundred thousand. You've done a great job. You can't touch the money that is currently in the TSP until you're fifty nine and a half without penalty right so we can't touch that money. The only question is how much we put into the TSP versus how much we pay down towards paying off your. You're home early. That's the only question and what we would tell you to do is tell is the same formula we use for everyone else. And that's baby. Step four is fifteen percent of your income should be going into retirement. Are you putting more than fifteen percent entity. ESP or less I'm lacking out everything and and I'm also doing this fifty years older catch-up Gfd so basically are you putting more than fifteen percent of your income into TSP. I don't thank you can. Yeah well it depends on what you make just how much you can put in there so Okay how much are you putting into. ESPN including catch up Probably Twenty five thousand. Okay and what do you make a year with rental income. No okay okay. Well that's fine not counting rental income. What do you make a year? Probably wouldn't twenty okay so you're putting twenty one percent of your income into the Sp.. So I would back that down a little bit And you just basically say you said you're making one twenty right right okay. So one twenty I would just take that and just say one twenty and point one five is eighteen thousand dollars what you should be putting into your TSP. No no more everything above that should go to pay off your mortgage until your mortgage is paid off and and and then when you get the mortgage paid off then you you can max out everything and you're in baby step seven we would call it at this point. Here's the thing Paul. They're saying that people okay and you said it. A while ago is not accurate and that saying is the renters are paying off my house and paying off the taxes and all that no. They're not they're renters are paying rent. You were taking your rental income and choosing to pay on the house. But the renter's aren't paying anything they're paying rent went and they're gonna pay rent whether the house is paid off or whether the house isn't paid off they're going to pay rent and so that you know the fact that you have renters paying income Does not mean you do something different with the income. You still say fifteen percent of your income into retirement and then let's get the house paid off now. You do what you WANNA I do. But that's what I would do if I woke up in your shoes call is in Mississippi. Hi Cole welcome to the Dave Ramsey show. How are you better then I deserve? How can I help So I just have a Khalistan Just I'm graduating with a bachelor's and they start a Master's program Mansour three to four semesters being on when sponsor lets me graduate What are you studying biomedical engineering? Wow what are you going to do. actually make a artificial heart New prosthetic legs that okay okay. So that's the type of industry that you can go into with the training that you've had correct good cool that's awesome man yeah congratulations. You're obviously very bright Saudi and so on. So what's your question So I'll make I'll be able to pocket Five six six hundred dollars while I'm in my master's program Where at boss would you give me? As far as like after I graduate the masters you know renting a house buying lying investing like what advice would you give for nearly grab okay. Do you have any debt. No I got a bunch of scholarships for my bachelor's there's and Ma sponsor is going to be paying tuition and I'll make about eight thousand dollars before taxes Good so you don't have a card. You don't have card debt. You don't have any kind of debt credit cards. No nothing great white Gokhale good for you man very cool all right and so when you come. I'm out of school. Is Your job already lined up with the sponsor For My masters program. It's already long too. I mean when you finish your master's Astor's is what you're asking me about. You said what to do our education after I finish I won't have a job on the You know work work on that In a year when I get close to graduating waller memo masters there. I'll make a few hundred chopping that partner. Okay but it doesn't necessarily feed straight in. It's not like an internship or anything like that. It's just from there. You will decide what your you know in your last year your masters you'll start looking for that the big career job land as as of graduation. So what do you estimate you'll make Starting sixty five or seventy really a year. Is that all ya talk. Double that I mean yeah well it can get pretty. Ah that you just need some experience. I it's very specific field very interesting. Okay I would've guessed a master's degree in something as complicated as is that going into the field of medical device. Field would have paid a lot more. I just didn't know I've never run into that. That's very interesting. Okay cool well. Here's what I would. I would pile up cash as high as as you can possibly pilot in something simple something like a simple savings account or money market account that kind of thing if you WANNA put a little bit of it in something like like an S. and P. Five Hundred Index Fund. You can. It's not going to really make you any money. The biggest value that this pile of money is going to bring to you is is not the investment returns the biggest value. It's going to give. You is the flexibility to move to the wherever this new job Biz. That pays the most so. Let me give you an example. If you have no money to make a move and someone offers you the best job in the world but it's GonNa the cost you five thousand dollars to move. It's harder to take that job. Then you might take a lesser job to keep from having to go into all the move right but bob if you need to move across the country or something and you can get this big time Gig and it pays twice as much but you got ten thousand bucks saved up makes it really Lisi to do it. So your biggest point of transition in your life in transition always has expense to it is is upon graduation. or it's one one of the biggest points is right after graduation. So your main thing to concentrate on here sir. Finish this degree. It sounds like you're awfully academically talented audited stick with that. Push on through finish up no doubt whatsoever for any thing save up save up save up save up and then that gives you the money to make the move by a nicer car when you actually buy you a couch when you move and you get the new job and you don't have to You don't have to live sleeping on the floor for the first three weeks of your new job waiting on a paycheck to buy a mattress and that kind of stuff and people do that all the time coming out of college or are they going to debt to do to keep from doing that and so that's all this money is good for it it'll help you make the transition smoothly and It'll it'll be worth every it'll give you a complete real return on investment. It'll be worth the trouble that you went to to do this so very cool man camp good to talk to you call. Thank you very very much for joining us. We appreciate you hanging out. That puts this hour of the Dave Ramsey show in the books books. Our thanks to Zack Bennett filling in for James Childs today. Oh Daniel our associate producer and phone. Screener I am Dave Ramsey your host. We're back with you before you not. In the meantime remember there's ultimately only one way to financial peace and that's to walk daily with the Prince of peace. Christ Jesus us this is James childs dialed producer of the Dave Ramsey. Show once again. You made the Dave Ramsey. Show one of the top five most downloaded podcast last year. To get your daily dose of motivation motivation and inspiration subscribed day. Money isn't the only thing we talk around here. Get life changing advice on your career from my good friend and career expert. Ken Coleman all the Ken Coleman show. According to a recent Gallup Gallup poll nearly seventy percent of Americans are disengaged at work if you dread going into work every Monday morning. And you're just trying to make it to the weekend. The the Ken Coleman Show is for you. Everyone has a sweet spot. Your sweet spot is at the intersection of your greatest talent and greatest passion. We will help you discover what it it is you were born to do. And then we'll help you create a plan to make your dream job a reality you matter and you have what it takes. Join the conversation nation on the Ken. Coleman show hear more from the Ramsey network including the Ken Coleman show. Where ever you listen to podcasts? Hey It's james producer of the Dave Ramsey Z.. Show this episode is over. Check the episode notes for links to products and services. You've heard about during this episode. Thanks for listening.