20 Episode results for "Dadgum"
Ep 61: What if it's not that deep?
"I'm Larry Tremaine and I have ten things to tell you and do you have ten things to tell. This show is about connection with each other and with ourselves and the hope. Is that the things we talk about here will be fuel for better conversations and a personal awareness. This is an interactive podcast. Each episode has a prompt and a topic that I want you to take to the Journal. Text to your best friend or answer on social media using the Hashtag ten things to tell you. This is a show about digging deeper and sharing our stuff. I'll go I welcome friends to this episode of the ten things to tell you podcast coming at you from week. Five of the Corona Virus self-isolation and. I want to ask you a question. What if it's just not that deep now? This is clearly a counter. Intuitive question for me because I revel in making meaning out of everything and I mean everything it brings me joy and order and purpose to find layers in life and to investigate my emotions and how something feels in my body and what is really behind a stated intention or goal or stance and yet lately I feel like I have been inundated with a pressure to make meaning out of everything out of quarantine out of posting online out of the pandemic itself and what it is teaching us about history in the world and in response to some of these really beautiful thoughts or analysis. Usually the type of thing that I soak up. I just keep finding myself thinking. What if it's not that deep? What if it chest is now? Here's what I'm not saying right now. I am very decidedly not ch- presenting to you a backlash to the people who are making meaning out of difficult time. I actually get super irritated at the General Internet back. Lash like when some kind of thought or idea goes viral and then every time within a day or two there is an abundance of memes basically saying the opposite thing. We saw this recently. When the I stay at home orders were issued and some people were very clearly trying to a silver lining in the idea of being stuck at home and suggested using the time to take up a new hobby or do a project and then suddenly there was a tidal wave of quote unquote permission to not do any of that and it was almost a competition for who could prove to be the least productive during quarantine and I do get all of that. I understand people wanting to offer an alternative to a popular idea and I know it makes people feel less alone it to see their own point of view represented in something that goes viral whether it's the original statement or the backlash statement anyway. I just WANNA be clear. I'm trying hard not to be that way with today's topic. If you're finding a lot of meaning right now in your life and your work in humanity than I am not trying to rain on that parade what I want to present to you to think about as we go about another week of uncertainty is that maybe something isn't as deserving of all the energy. Your giving it may be. Your partner wasn't revealing a deep buried truth when he snapped you. Maybe you just snapped at you. Maybe that long ago friendship. That fizzled no longer needs. Parsing and rehashing and motives questioned. Maybe it just ended because you no longer liked each other. Nobody's fault just happens that way. Sometimes maybe the person who isn't texting you back or e mailing you back or following back on social media isn't trying to send you a great big unspoken message. Maybe they're literally just scatter brained or busy. Maybe there's not a big conspiracy in the government in the world are in your neighborhood. Maybe things are just as they are presented to be. I know I know the simplicity is almost too hard to swallow for those of us who were naturally skeptical or who find comfort in knowing that there's always a layer beneath the layer. Maybe this week is the time to take a few moments with your journal. Or in your own prayer or meditation and think why which if I didn't think about this anymore. What if I just let this be without further investigation? What if it just isn't that deep gonNa tell you a story about this? In my own life that offered freedom from emotional chains. When I realized something I long held. Dear was maybe shallow and not deep. This happened in therapy. Were the biggest insights of my life have happened pretty much and this was years ago back when I had been going to therapy for too long less than a year I think but my therapist was already starting to know me really well and we had dealt with some of the acute staff that sent me to start there in the first place and now we are starting to delve a little more into my past and my life story and that kind of thing to identify pain points and patterns and I spent nearly a whole session telling my therapist about the biggest romantic heartbreak of my life this story. I have referenced frequently. This is a major milestone in my life because what happened. Subsequent to this break-up is that I moved to Los Angeles and that decision changed the entire trajectory of my life. So you can imagine that. I've built up a lot of mythology. Around this break-up I have given it the cheapest meaning possible. And so I tell my therapist the story which I find to be complex and compelling and she listens for Dadgum nearly an hour and at the very end of all of my talking she looks at me calmly and says so you loved him more than he loved you and that was it that was her takeaway the miracles and the angst and the devastation of it all to the objective professional it all boiled down to one sentence. I loved him more than he loved. Me Done got it moving on and I honestly busted out laughing. Which in itself was a surprise. I can be very serious in therapy and especially when talking about things that are very emotional to me but somehow her really obvious analysis of the situation because she was right by the way and I knew it in my gut immediately when she said it that it was that simple making it less deep letting go of it as a narrative and just acknowledging the facts and moving on in like moments. It gave me more freedom from any of the leftover emotion. I had around that break-up than anything ever had before it didn't deserve any more of my energy. It just wasn't that deep now. I think I was in a place where I was ready to let it go clearly. My reaction of bursting into laughter means. She didn't have to pry out of my hands. When we're not ready to let go of something we can hold tight to an idea or a story and assign so much meaning to it. But when we're ready to let go of something when we've gone as deep as we can go with something but still be alive and still be there to witness the excavation of it. I feel like a feather could knock it out of our hands. If just the right wind came. It is nothing but freedom. Maybe as you're listening to this something has come to your mind. Something that isn't worth the depth your assigning to it. Does it? Open some space in your chest to think. Maybe this isn't that deep. Maybe making a mountain out of a molehill. Maybe this is something I'm ready to dismiss or finally let go off if nothing has come to mind. I'm asking you to pay attention this week to see if something comes up that puts you in a tizzy or hurts your feelings or where you're tempted to go deep on something. That doesn't deserve it. I'll be curious to hear what it feels like in your body and your heart just to stop and say maybe it isn't that deep and move forward in your day and then your relationship in your self-isolation for me. I am going to attempt to stay off the Internet a little bit more this week. The combination of staying at home with no break from my house and my people along with the general hysteria of twitter. It is starting to get to me a little bit so I need to reclaim some of my spirit in the next few days. But I'm not gonNA feel guilty or over analyze. I'm just GonNa make the adjustment because it isn't that deep I'm Laura Tremaine and you just listened to the ten things to tell you podcast. You can find the show notes and subscribe to episode emails at ten things to tell you dot com slash podcast and you can follow us on facebook and Instagram. At ten things to tell you remember. This is an interactive podcast. I have ten things to tell you. And do you have ten things to tell so taking this topic to your journal or a friend or posts on social media using the Hashtag. Ten things to tell these episodes are meant to bring connection with others and ourselves and spark better conversations. Thanks for listening. Now go share some.
March 1, 2020 National Fruit Compote Day| National Pig Day
"This is the national daily. Welcome to March first. Two Thousand Twenty on the National Day calendar today we celebrate a potent potion and pork popularity more after the break with Anna devere. Do you love to start the day with a smile? Join the celebration nation. By picking your very own twenty twenty national day calendar visit our website National Day calendar Dot Com for our full color printed guide to all the fun and unusual ways to celebrate every day. Leave it to the French to create elegance from simplicity. The word compote means mixture and with a few fruits cooked and water sugar and some spice Walla a delicious dessert emerges originally served in the seventeenth century for its health benefits. The short list of ingredients made this fruit dessert popular. Among those who love all things thrifty on national fruit compote day you can raise the bar with some whip cream or cure and a fine French accent for extra Joie de Vivre. And for those who loved to elevate the lowly to the sublime national pig day restores the humble swine to its proper star status though famous pigs. Such as E B White's Wilbur and Winnie the Pooh piglet need no introduction. It is worth noting that pigs possess and above average intelligence in the animal kingdom and have been memorialized as far back as seventeen seventy two with the learned pig of Dublin. This famous corker could apparently count tell time and entertain street crowds with his mad skills on national pig day joined the parties parades and people who go hog wild for this celebration marlow. What else is going on? Today it is a busy day on the National Day calendars. So we're just GONNA talk about a couple it's national Minnesota Day and it's also peanut butter lovers. They put peanut butter on. I know what you'd like to put. Peanut gotta be a Bagel bagels and I love nationals Dadgum. That's good day. Yes it's fantastic. It's it's just fun to say it right now. So yeah so be sure to get ready for tomorrow celebration too because tomorrow it is banana cream pie day. Dadgum learn more by following us at national calendar Dot Com or on facebook instagram and twitter and thanks for joining us on our journey as we celebrate every day see tomorrow.
Season 2, Episode 8 - Just For Fun On Christmas Eve
"Three two one Happy Happy Holidays. Everyone here we are a little Christmas music for young. Natalia has she loves her sound effects in her in her background music. So we had to share that with you because we have a special holiday episode for you. It's Christmas Eve Ho. How your last last episode? We kind of little like. Hey let us know if you have any family traditions Shinzo or or do something different for food or whatever like we always tell you guys and we had a couple people suggesting things that they did. Yeah we We heard from our regulars especially Brenda. Thanks Brenda we love to hear from you. And they have wonderful holiday tradition. That's really not that different from what we do. which has lots of appetizers they play games? It just it's it's it's all about just being together and not you know the food necessarily although. I'm sure that they have delicious food. But it's more snacky is snack. Yeah Yeah so it's fun on. And then tiffany. Yeah gave me a little. Thanks tiffany little point to Rana where there's another bassin body so that I don't have to go to the Damn Mall to get my fucking candles again down the street for the street. So thank you. I'll do that next year already. Got It planned. Yeah founder. Yeah so thanks. Ladies for your suggestions and your comments we always love them and we'd left comments from everyone else as well so Take Brendon tiffany's as an example and go for it. Now what are we gonNA talk about. Well this is a very special episode. Because we're bringing my daughter's in and we have special guests. They are our special guests. Say Hello Girls I so Marin is here from New York you know I always refer to her her to her as my older daughter without name and then Natalia jumps in says Oh yeah Mary and this and that. So this is Marian saying hi Erin again I why and then Shohei is my younger daughter. She just graduated from college and So she's kind of around a lot right right now but she's going to join in as well so say hi. Hi there so we're GONNA talk about. We kinda left off and talking about desserts last time. Yeah because well you said Oh my God I could just go forever undeserved so you have to come back to desert and also known as the we have the girls here. They love desserts right. Let's find out. What is your favorite holiday Christmas desert than either? Your mom makes or maybe maybe something on your mom doesn't make whatever it's okay. It's any so Merrin. Would you have a favorite. Yeah I would say I would say butterscotch cream pie is top of the list pretty much any time of year But I also really enjoy MOMS Blueberry cake that isn't really technically a desert but it's Swede and we have it in the morning flyer. Yeah it's kind of a coffee cake and it's great for the morning but it's also also great for kind of a dessert snack later on at any time just like nibble on an all day. Exactly how. `Bout you sharing while you Kinda just stole my answer there. I I I think I think my favorite It would definitely have to be Barscott cream pie but I do also like my my aunt's brownies and breakfast cake. You know the coffee cake. I can only really have it. I can only really have around Christmas time nowadays sense like Lake. That's about the only time we era extended family the newseum so you go over to see him to get their coffee cake put it blow us this. What is this coffee cake? Is it like a sin. Do you know that mini. It's Bush came with blunt. It's a bullet so it has got it says cinnamon strouss soul on ice. Yeah it's a really good. It's a really good coffee kate. What about you favorite me? Yeah you favor desert at Christmas. Yeah well you know I'm still pumpkin. Pie is my favorite really. Yeah it's not really appropriate for Christmas thanksgiving kind of no no. No I know Pumpkin IMPA but a lot of people have the same dinner at Christmas that they have at Thanksgiving. Yeah we rent that last week for research is kind of weird. Well I just interesting. Pumpkin is more around Thanksgiving. Kind of reminds you more of an more Thanksgiving type of desert once you've entered December December. I don't think you should really be having pumpkin anything. Okay well could never listen up starbucks giving advice give it a logging through U.. Like Union her vogue. Uh Chocolate peppermint mixture. Yeah Yeah Oh yeah I do too. There's a lot of piano. Don't like that. Do you like the chain like an. Oh yeah cookie. Not Yoga love that and Barbara. Mar The bar so good okay. What about okay? So what about like Christmas treats like unnecessarily dessert or cake or do you have a favorite thing or the. Oh yeah okay. What well MOMS trainer Lisa? She makes this incredible English toffee Christmas time. And she apparently Labor's on that for hours and hours and hours days and days and days it is so smooth and it seemed best. It's the best English toffee gift after she gives you every year. She gives it to my mom every year but because she's such a good client but then she also gives an extra bag or more for me unchain chain yes because she loves the girls. Well that's another thing guys. I was just talking to my brother today about. He was doing something with his friends and one of his friends a lot of money and she missile stressed out about Christmas. And I'm like that's stupid. Ever make like find out what your friends favorite dessert is like that. Yes it's labor intensive. You're not spending too much money and your and you look afford to it every year. So if you WANNA give somebody a gift and you can't figure out what that is. Just mix some fun cookies deserters. Some rides crochet I show up. Yeah but this one. Just give all your friends one sock. How about you share any like snacky stuff that you can think of like treat beat Sir? I really like the peppermint bark cookies. Done mom gets at the store. I don't know where do you get them. Well if we're getting any store we're plugging world-market world-market Yeah we love world market. And Yeah we the peppermint burke cookies that they have are really good but I think also I really like the. I don't know if they make it anymore. But Williams sonoma made a really good peppermint bark. Oh yeah they're they're. They're famous for that. so that had like those cookies. Those what are those called from. I'm Mike covered with the frosting. They're hard There Oh Pfefferman. Is that for days since you everything about everything. Yeah and you expect everyone else to know tell everybody what renews is well. It's really feffer. News means actually pepper cookie. Yeah see you didn't think no it's just it's a soft spice cookie but it's heavily. It's heavily spiced and and German and imagine that and then It's covered in like a Royal Isis. Yeah my mom is very speak German onto a right man. Yeah the Germans always even ido speak German but they think I'm Jay like feel your German under they. Feel your noodle. Yeah let's the effort. is seven years differed Niaz selden dirty. Sneak don't see Shay speaks turban. Urban a little bit well. He took a lot of German and Polish. Speaking of Dadgum. It okay so so so are so. Those are holiday favorite holiday desserts and treats. Yeah one of my favorite treats though is I I love baked debris and then the Chicken Liver Mousse okay. But I didn't know we were talking about non sweet trees that's on the numbers are treats sweet treats while I love those the mom just named and I also love Pretty much anything mom makes by basically in the morning. Sometimes you'll make that like an egg casserole or you know have something. That's kind of savory that can go with all of the other sweet things were having But I really like that kind of just very simple egg casserole you do. Yeah so Osma. Yeah well you know the contrast between sweet and salty and spicy as always nice the casseroles really good. But I think like and I think it's become more of like a holiday food because like because marriage really only home for the holidays That Carbonari make Woah. Aw Carbonaro okay. What's my the crap next cabinets? Yeah well it's just a it's a PECANS and walnuts in their stirred up and cooked in sugar and salt and pepper bath. Basically and then they're left to dry and they you know crackup apart and then they are like crack. Yeah toasted nuts. What you're warm not yes? Yeah Yeah Yeah. You're in if no police by that. WAS THAT WAS A. That was a routine that we did on grey take green country it was totally accidental in her. And Casey just like did this whole like warm nuts in my mouth salty nut thing like because I was all episode so I was doing a cooking segment on salty. The salty's sweet nuts and it just was the Saturday night live just like the shredder ball except for spicy nuts. Warm spicy nuts. I'M GONNA make I'm GonNa make for Christmas and with puppetry with puff pastry and caramelized onions and fig paste and I love that shit hat the cat. The cat likes that shakes. The cats really belonged to Shay. But so will you have one other APPS. Will you have Let's see we're going to do slider with set Zeki Land slayer Burger slider and and then Wow Wow she is totally. Ended the APP Today. What else do we say when we're going to do A spinach artichoke dip. And then I'm GONNA do grownup pigs in a blanket who I love that. Yeah yeah honey mustard and caramelized onions. Yes correct yes so the the Burri and actually the chicken liver Mousse those are kind of traditional so We're one of the other things we're GonNa talk about is Our favorite Christmas traditions. Okay so bring it on what. What are your favorite favorite Christmas traditions? Gophers because she's afraid that marriage is going to steal your story thief even okay. I think one of my favorite traditions that we have is. We typically get those pillsbury cookies at the store and we bake them for Santa. We've made like a bunch of different kinds like the ones with little Christmas trees on them and like the ones with little buddy the Elf hats. Those ones are really cute. I got those the other day. Yeah I got Christmas trees to add to them gathering. I think we also used to write like a like a letter for Saito Yes yeah so so how so. How many cookies do you make? It sounds like you're like you've got thousands of cookies in the kitchen. Depends really what happens to all these cookies. You guys eat them all. Yes okay why we liked district because we watch cooking. We need them. We don't share with anyone no near radically there for Santa. But then if he doesn't eat them to see yeah okay. So that's a good one. Do you have a different one. Yeah I think my favorite Christmas tradition. When is in the morning on Christmas morning when Shane I and mom wake up and just the three of us and we eh kind of gather around open our little stockings and have some coffee and have some kind of little snacks and just stir together? That's smy favorite. That's nice that you have one. That's why I love that. You know that's one of my favorite things to-do in traditional things that we've kind of made since it's just been the three of us. So that's Kinda the favorite tradition for me as well. It's just quiet Wyatt and have a cup of coffee in Christmas music. We can look at their stocking gifts. That was Santa Abrupt and Yes we just we just kind of hang out with her and no no no not usually there's usually not edible items no typically not. Yeah so what's your favorite one favorite tradition. I think we kind of touched on last time time. We were talking I my mom. Does that big breakfast. Yep Smoked Salmon and shrimp and brain caviar and champagne. And that's I mean that's quickly become my favorite thing. There's so many things that you know. I mean like you move or your you. You got family members that are you know out of obviously out of the house. Then you're out of the house or you they start you know family with somebody else or they have a relationship with somebody else who things change in shift But that's one thing that has stayed the same in everybody. He is always there for breakfast. Yeah so I like I like that. That's fun yeah. We can't spend Christmas Eve together and sleep in the same house anymore and that kind of stuff because that it was always fun to was opening the stockings in the morning. Everybody kind of showing you know what was in the stockings but breakfast is definitely and like we talked about one that I kind of laughingly made one year. was that when you get something for Christmas. No matter what it is like you have to wear to wear it. Yeah and it's kind of fun and just kind of have you know lightens it up a bit and playing games. Because that's one of the few times I get together with my family and we get to actually sit down and play games and it's not a stressful day Typically you know so. That's you know that's what I like to do. That's nothing okay. That's what I like. I remember I remember his speaking of remember. What are your favorite memories especially the girls? Let's hear what your favorite Christmas memory is shaking. Oh I I think I think minds the funny one. I hope we'll see if it's funny a really sad one. I think it was during a Christmas Eve. And we were with our aunt and uncle and cousins Over at their house and we were having a white elephant. Do you think I think people who listen to this. No I think most people know what probably okay cool. I don't to explain myself over so much so we were just just exchanging gifts that we didn't want and that's what I understand and one the gifts on on the platter was This court cicle thing you can like put it in a wine bottle and keep it cold and Dorothy worth the wanted it for some reason but you were just like I like. She's not going again us out of a Dadgum it and you're like so angry about this so you just checked attacked exchanging whatever you had with her like I think he would like kept big alliances with me and mirror and the light get us to exchange gifts with her. I'll let you all exchange. Is the gift so many times. Yeah I did Mahmoud up with the core I did it's in the freezer right now and I love me. She just told me the other day. Hey Elephant or whatever and I got the best this is the best fabric. Tell you about it she left. That are now but she did tell me that that that was her favourite gifted. Dorothy know that you were changing gifts. Yes because she I know she can't see the wind. You might try to pull down now. Now now I wasn't. It would be like really weird here you go. There is no no no no no she wanted. I don't know if she wanted it or not but is like hey i. I want the Cork City. And so that was kinda how it went down. I want the pork going to do whatever I have to do to get the cork cycle and I got it. I there and it's in my dying freezers. I use it any. Do I like it. Well actually didn't remember remember that I have a couple. I think my favorite memory or the most prominent prominent memory APP from when I was young was when we would do Christmas. Or maybe we only did it a couple of times at Moose Lake House and I remember getting up usually my grandmother. My Mom's Graham Lewis my grandmother and she would always be up before anyone and be. He's sitting in her little recliner armchair downstairs next to the window and be reading the newspaper and I would would usually be up kind of second and so I and there were excited because I was so excited and there was this little landing on the Second Floor and I would pee. I would go up on my tippy toes and I would peak over the little balcony and Mulu would be sitting down there and she usually sense that I was now now peaking over at her and she waved me down and then I would just scurry down the stairs and then just have some quiet time with her. I couldn't open the presents yet ed because not everybody was up but she entertained me and it was just really nice. Memory is nice okay. What's another one or you had to? You said you had to think my other one was just When we lived at the house at one hundred I street yeah and and I was always really eager to open presents and so when we lived We stayed upstairs in the Christmas tree and all the presents were downstairs inevitably inevitably and I would kind of wake up early in the house. Resolve dark so maybe I don't actually know this memory I I I would scurry down the stairs but really quietly and I would peak if anybody was down there which obviously they weren't and in and I was afraid I was going to get caught so then I would run back up the stairs and then go in my bed and pretend I was sleeping but I. I usually time time just because I wanted to get a peek at what was out there. I I was really ready. I was ready for Christmas apple name tags on things and I Cabana didn't you didn't you like peak. I mean actually peek inside the wrapping at the presence. Usually maybe once or twice. Yeah that's right. I think you did that. Yeah okay well. I think that was a special occasion. They are usually. I usually was peaking but then I would get scared down on a and it wouldn't be Christmas would be would navigate joyous Christmas now when you were from long long ago. Well I mean again. We talked about that last episode of the the whole production number numbering my grandfather and That's why one of the reasons why we kept our belief in Santa for so long was because it was that was created. I mean that hunting shave so making cookies. I know I still put it out and put a card with it. Just kidding. They don't do that anymore the but it was. It was one of those things. Where if you if you say oh I don't believe in Santa more wealth well senator? Santa won't become so you guys you believing in Santa you best believe Insana Hannah here so but would I was a kid. That's one of my favorite memories are there. Are there things that you guys do. Do you WanNa do around the holidays to kind of get you in the festive mood. What would that be? I mean we love to watch holiday movies. My personal favorite is the holiday scene in about a million times and I was watching it in New York before I came here and now we watched it a few times here. Also it just doesn't really get old. I really liked that movie but we watch a bunch we watch al.. We watch other movies as while home alone. Yeah home alone two sometimes three third one or anything else that you I can think of that. You know that's GonNa happen every Christmas or that gets you kind of in the mood for Christmas. Sir will now that we have Alexa. We listen to Christmas music the house breath and also say that too loud because she'll she'll love that just say hello. Yeah but one of the things that I I typically been home from college for Thanksgiving break. Is that like the day after Thanksgiving. I would help decorate the tree and like you take care of decorating the the house like league putting Little Santas and little decoration out and reading. I'm listening yeah. Yeah just putting the Garland and ornaments on you typically take care of the topper though. Yeah Yeah. Aw We also we go to the Nutcracker Tulsa Ballet yesterday that was very Christmas festive feeling going to tell you I I have this really cute. Like natural like acorn angel. topper thing that goes on top of Maitree my tree so fucking small this year. That monitor was too big for a main trade off is tiny little star Dr. It looks like a little charlie brands very cute. It's so cute. And then I put my angel my eight hundred angel with a bunch of Angkor As a decoration piece on the cable so it looks like there's like a like A. What's it called when someone dies alter coordinate? UH-HUH ACORNS were whatever your age or your nature alternation alter okay. Yeah I decorate with all these pine cones acorns Shit because because they want foraging for them like we talked about last time for Thanksgiving. Yeah I know I remember that all that stuff it's free. Yeah `specially especially if you'd like to go outside yet. I thought you were going to say that. It looked like a banquet for the squirrels. Well in my house the European Squirrel coming I run out.
#381: Debt Is Never the Answer with Dave Ramsey
"You've probably heard that you need to borrow money to make money. The debt is necessary. If you're going to grow your business and that every great business stand that debt is just leverage, but you've been lied to from the rail network. This is the entree leadership podcast where we help business leaders grow themselves their teams and their prophets, I'm your host Alex Jones today. We have the founder and CEO of our Business Dave Ramsey to set the record straight on why borrowing money is. And as with everything, Dave teaches, this perspective isn't one that is just informed by theory. It's informed by experience. Well in my twenties, I believed what a lot of people believe. The borrow money to make money. I got a degree in finance and the power of leverage and the simplistic formula that if you borrow at one interest rate by percent, four percent, and you reinvested, and you make ten or twelve percent that you're making the spread. That is simplistic, primitive wrong, but I believe that lots of people quote that to me on twitter. to show how ignorant I am that I just don't understand the power of leverage, but I do understand the power of leverage and. Four million dollars worth of real estate until I was twenty four and twenty five years old, and I bought it right so I had a net worth of a million dollars, which means only owed three million on the four million and make a couple of hundred thousand dollars a year flip in properties and doing things, but leverage is a two edged sword, and people never talk about the other edge of it. They always. It only works when it works. Marring money only works when it works. And so, what happened to us was we went broke because the bank called her notes, and we didn't have any liquid. We didn't mean money. We weren't laid on the notes. They just panicked. hysteria tax climate that we were in the presidential climate that we were in and called. You know, look around. Song is ninety short-term notes for flips, and they call them, so we spent two and a half years losing everything we own well in that process I had a an existential crisis. And everything that I believed evidently was wrong. Yeah, and so I went through this whole thing of my intellect, being crushed and questioning and as a Christian I was met God on the way up I got to know him on the way down, and so I started studying biblical finance, and I found the borrowers slave to the lender, and I found one hundred percent of the references in the Bible to dead or negative. And so as a believer that puts a challenge against your finance degree. Yeah, no kidding and you go okay. Somebody's wrong and somebody's right because they're two polar opposites, and you can't just say well, you know sometimes. It's not sometimes in the Bible. And it's all the time in the finance classroom. That's right that you borrow, and so I had to really took me why at first I was in a position and that I just bought it based on my faith. Okay, I don't borrow money. God said. Don't borrow money on. Borrow money period. And then over time I've started understand the intellectual reasons for that the mathematical reasons for that and so I don't borrow money by basically when you borrow money, you increase risk. and. When business people say zero. Five hundred thousand dollars to buy this piece of equipment. They do not. Ascertain risk. They say I can borrows money at six percent and I can put the piece of equipment to work and I can make twelve or fourteen percent on my money, but that's only if everything goes perfectly as it did in your head, and it never goes perfectly business about ninety percent of my ideas that I think are brilliant that I bring to the market. It suck. And borrow on them. It destroys. My life doesn't work, but I think this is a pretty everyone sees you as the guy on the cover of the book cutting up the credit card and the guy that's yell at people for taking car payments, but we don't always address the topic of debt for business. What you're saying is that the same principles apply to how you run your business as how you and your personal absolutely, and if you to look at it through the faith lands, you can't find it in scripture if you WANNA look at it through an intellectual Lens. Let's actually do real math in a real business case. Okay, if you get a finance degree and you get licensed. Licensed in securities like I have been, and you've been in that world. We know in that world that we do not compare a high risk. Mutual Fund apples to apples with a low risk mutual fund. There is a measure of risk mathematically. It's the height of the valley, the height of mountain if you graph it if you see the waves graph in your mind right now, the ones that are straight up straight down have a higher Beta. A Beta is a mathematical statistical measure of risk Okay, and so we know that you can take the bait drop it under the line, meaning an inverse mathematical formula and being complicated here, but the point is, you can intellectually look at this. So when you add risk when you adjust for risk, you can compare these two mutual funds apples to apples. By putting the Beta, underline yeah, inverse relationship, so you're adding risk into your math formula so that you can accurately look at the situation. Most people ninety eight percent of the business cases that entree leaders have brought to me and supposedly sophisticated people who criticize me on blocks. They do not have any measure of risk in their formula. They're not saying what happens if this happens, what happens if there's a move in the marketplace what happens if a customer doesn't pay me, what happens if it doesn't sell like? I think it's going to sell, and it can be something as simple as that guy borrowing ninety thousand dollars to buy a dump truck. And it's GonNa work out I'm GONNA saw him on a whole lot of stuff dump truck. We can't get loads. Fuel prices go up insurance prices. Go Up. He has wreck here about any of those things, and so he says I'm GonNa make money by borrowing money, but there's no mathematical measure of risk in that formula, and when you insert risk into your leverage formula, the benefits of Leverage go away. They dissipate. So turns out. We can mathematically prove that God was right. socking. I mean that's what it comes down to so present this. A bunch of MBA's at Vanderbilt spoke to him. Ba Group over there and they were looking at me like German shepherds Oh. That's what I was GONNA say. Lou because nowhere in academia. Does anybody talk about this? Yeah, so I mean it is used the term all the time on the radio show. It's weird round. It is not normal. So can you describe what is normal today? Crystal clear what is normal for business with regard to this issue thirty eight percents, small businesses are operating their line of credit on the credit card. That's insanity. That's not just stupid. That's insanity. The rest of businesses have assumed, and they've believed these things. It takes money to make money opium other people's money I every body borrows money and business Ramsey you just don't understand and all this wining and rationalization that some you listening to this or doing your pitiful, just pitiful and so bottom line is this if you will grow slower? And with organic cash, you will stay in business, and you will grow your business steadily over time you will make more money and you will not take five steps back. It's not like the old game. We used to play when I was located. Mother May I. If you didn't ask permission, take steps forward. You got to take penalty steps back. When you borrow money, you get to take penalty steps back. You had volatility to your life. You had anxiety your life yet. Stress to your life and you know the number. One reason businesses fail in America today is cash flow problems cashflow problems are caused by mishandling your taxes and debt To the person that says back, and they say well. You're sitting in a seventy million dollar building a two hundred fifty million dollar organization. Nine hundred team members. Easy for you to say todd got her. Start on car table. Shut up. Get, so we were debt free from the beginning was that. Dom on this ever, and it has cash flowed everything we've done we least that other building over there eighteen nineteen years ago and I took a lease option on a five million dollar building I never seen five million dollars. There was no chance I was ever going to be able to option that at a five year option to buy that building, and we least two of the four one and a half of the four floors and took options also. I read refusal so we could grow. Yeah, so as other people moved out. We moved in leasing leasing leasing leasing. We were Tenet. Borrow money. And About the time we filled that building up and ran the rest of the tenants out We're coming to the end of that five years and just got. If you want me, have this building. You'RE GONNA. Give me the money because I don't borrow money. And you know we'd scraped out the Nichols out of the corner of the couches in the by them. By the way, the building was worth about twelve million and to close on it at five million won't be like yeah. Right that's right so I'm dying to do it, but I'm not borrowing money, so there was this little bit of angst there. Yeah, no kidding me. Because I'm a real estate guy. I really. Really wanted to do this deal. Because I'm leaving seven million dollars on the table though option, but I mean we right under the wire, and got it closed, and barely just barely now still own that building today, but here's the thing in two thousand and eight. Everything stopped yet. That's right. You know when they close up everything for the corona virus and you can't do business when they close up everything for. For the tornado and you can't do when they close up everything for the hurricane, and you can't do business, and by the way you don't control those freaking things. Those are outside variables that come at you. The only thing you can do is be ready when they get there and the way you're ready when you get there. You don't have any payments very difficult to go bankrupt when you want me debt. That's right. Was He did decision from day one like. Did you know when you were starting the business? We are a deaf business and we will be like that from the beginning time. Or how did that decision progress because I go broke and I was starting from nothing and I had adopted these biblical financial principles. I don't borrow money. Which would mean that? My business doesn't borrow money because I. I would have been borrowing the money, so you just walk it over there and put it under a business hat doesn't mean it's not any different ninety eight percent of people listening to this podcast when they say I have business debt. That's a lie. You personally signed that. That's her I. personally guaranteed. You have personal debt that you call business debt, and so they're held personally liable. Absolutely unless you've got a twenty million dollar thirty million dollar company. There's no banks loaning you money to that business. They're learning you and Mama money and they're taking a second mortgage on your Dadgum House. Alone right? Yeah, that's what's really going on. Okay and so you had decided that you were going to go into debt to build this business canvas. Can you speak to the value of having that decision made from the beginning? Yeah what you've got your values in place. Most of your decisions are already made. You just have to figure out how to live in that world. Then because what happens from that day forward to this day this morning here this morning. I've got a project I want do I don't have the money to do. today at right before I walked down here to do this podcast I'm looking at a deal. It's got Zeros on it I. Don't have the money. So what's that? Make me do I gotta do it later. I got a not do it. I got change Howard doing it. But in no case going to end up in debt to new deal, good deal. It's pretty good I'm kind of excited about it. But that is so different than a lot of times the mindset we see business owners operating with on masterminds or people that we coincide with because people often leave themselves up to the winds of opportunity or of crisis, and they always keep the loan or the line of credit at arm's reach. Just so they can, but it sounds like what you're saying. Is it's? It's not even temptation we have decided I mean if I borrow money it would. It would be be such a damaging thing to our reputation cross, but but I'm just not gonNA violated. Because it's worked, that's right. It's one hundred percent you know. My pastor used to say a man with an experience is not at the mercy of a man with an opinion. And so everybody's got opinions about this stuff. Let me tell you. There's no situation that you used that. That if things don't go well that it turns out, okay and in business sometimes things don't go well. And we've done projects, you know. We lost two hundred seventy eight thousand dollars on a project. Yeah, you know and to me I'm from Antioch Tennessee. That's like a lot of money. You know and but we you know we were funding it as we were going. The stupid thing just didn't work and just pull the tent stakes out of it folded up. Pack it away in the memory drawers stuff that sucked. Tried right, and you know what it hurt, but if I still pay him payments on today, would her twice bath. You'RE GONNA. Make mistakes you're GONNA watched. That fails and the debt on. It is going to put you out of business. It's GonNa take away your dream and turn it into a nightmare grow slower be on the cover of Slow Company magazine. Grow slower. Is there a specific moment or a specific story where you remember sitting back and saying thank God we didn't borrow money to blown up in our. Almost, every mistake because what happens when you borrow money whatever you're getting ready to do bigger, and you do it faster, that's right, and so the amount of money that you lose on. A mistake is always magnified. When borrow because you do it bigger. Yeah, I'll I'll order some more of those. And then they don't sell and they're in the dumpster. What was the story was a chick-fil-a that Joe were were making those children for yeah, and you know. We violated a trademark and one of them that you could have never base camp. I had no idea space campus trademark and violated. We had a book called. Space Camp and not only violates trademark. We made fun of this mythic. What was a mythical space camp, but turns out. There was one. We had to pull the stupid things off the market and you know if any of you out there. That are in the business like we are where we by printing. Books or workbooks, or whatever you anytime you're buying printing the more of it you buy, the cheaper it is per unit. And, so if you've got a big hit, load up and so we get ready to do Chris. Hogan Book You, Know We. We buy one hundred thousand copies to put them out there because we know, we're going to move two or three hundred thousand in almost every case, and if we get a big hit, when move a million of them, but but if you're going to borrow money, you order five hundred thousand, and then ended up selling hundred thousand, and so it turns out your per unit cost of the ones who actually sold. We'll kick your butt. And you got payments on it. You know and you got stress and you can't make payroll and things -iety. Nothing works in business like you think it's going to. Everything takes twice as long cost twice as much, and you're not the exception. Those are the three rules, and so that's why you move at the speed of cash. You'd go anything we move at the speed of cash. Everything is at the speed of cash, and it just gives us incredible piece and so i. mean we have things we get frustrated with and things we push against that. Don't work, we have. Normal business people I mean we. We're always trying something that we go God. You look back on it, man. I'm stupid thinking. All of us have had those thoughts that run businesses, but if you don't have payments on them, it hurts less. Yeah, that's right. Okay, so before we get to the practicality of how to actually operate them. Run Debt, free business I think probably listening to this and we've already addressed this a little bit, but it's probably a lot like the listeners your radio show. You've got the people that call in and they. WanNa call in an argue with you. Sometimes. No pretend you've got one of those people in front of you right now, or you've got him calling you on the phone. How do you respond to the person that wants to argue with you about this? Hundred percent of the time that you're borrowing money. You're borrowing it on assumptions. You're sitting on your options. And when you sit on your options, you're always going to have a problem. Because the only set of assumptions that borrowed money turns out is if everything goes exactly like it's supposed to which is a dumb way of looking at the world, because it never goes the way it's supposed to go. Nothing goes the it's you know people asked me out. Did you ever have any idea crab? No, I had no. Idea? How much work this is GonNa be I had no idea I was going to nine hundred thirty people had no idea how some of those people are GonNa Misbehave I'd no idea what great joy. Some of them were going to bring me. I had no idea the things that we were going to try. We're not gonNA work ninety percent of the time. We've made all of our money and brand penetration on about ten percent of our ideas. Over, thirty years of doing this business, the rest of it is trash in a drawer and embarrassing. And, if you borrow on all of that Dude, you were going down. You'RE NOT GONNA. Make it well. You don't understand is the only way I can get started. No, it's not the only way you can start it. You don't need a food truck until you've been a caterer out of your kitchen. You don't need to go two hundred fifty thousand dollars in debt to buy dadgum truck with a grill on it. Oh my God. Believable and you'd never grilled anything you just pay it your job and wanted to start a restaurant, but I thought this is the way to do it. No, no, I mean grill, something and sell it to. Somebody Grill some more so it to somebody. Go rent the backside of some restaurant on the weekday when they're closed and use their stuff to move up a notch, do house catering inhouse catering in house catering learn to sell food and make food before you start going I'm in the restaurant business, which has the highest failure rate of any industry by the way. I love that example because you're highlighting the fact that you are not encouraging people not to start business. That's not what you're saying. You're saying. Start at the right way in iterative as you go, be willing to listen. Don't despise. Small Beginnings started selling book on the trunk of My car. And it was operating out of my living room. It was card table. I was actually Sam's folding table, but I mean still cartel. Don't despise small beginnings. You don't have to walk in looking like you know what you're doing when you don't. Why. Don't people do that naturally because of pride? Almost say I got this. And I started my business, and instead of going instead of getting dirt under your fingernails and go over there and crawl before you walk, you know scratch and claw and get some stuff done, you know we saw those little blue financial peace books out the trunk of My car. There were stacked in my living room I didn't even rent an office. You know I, mean we? Didn't? We have the money we made the books sale. We made the business model work. We prove texted in the marketplace I. Didn't even know that's what you call it. But we did it and we walked out. We walked out. We did a little bit, and then we made a little money, and we put it all back in. Yeah, we made a little more money. It all back in and we made a little more money. Put it all back in and every time we put it all back in some of it works. Some of it didn't but more of enough of it worked. We made profit and every time share and I lived on nothing, and we just rolled it back into the business I. Don't want you to not leave your dream. I don't want you to turn a dream into a nightmare. Yeah, and you don't know what you don't know. Until you've done it. So get out there and prove Texas. Stuff meaning, prove your idea in the marketplace. Make people give you money for your idea. They're called customers, not theories. Let's talk about the other person that is listening this right now or that calls into you and they are willing to be coached, but this is rocking their world, and they have never looked at business from this perspective, and they say okay, but I've got dead on my business. Where do I even begin Dave? You've already got that on your business. Then you develop a game plan to pay it off and so there's two things that businesses have have to survive long term zero debt and piles of retained earnings. Business version of an emergency fund. Okay, and so, how do we build those two things well you need to. quit taking all the money home from the business, and so what we tell folks is figure out what you're living wages if you own the business, what do you need to take home survive? No fancy cars, no luxury items you got data and no money. Okay, so let's call it sixty thousand bucks. Okay, so you can put yourself on a sixty thousand dollars salary in your profit and loss statement then that creates after you are paid your sixty thousand dollars. What profit comes to the bottom line? When that profit comes to the bottom line? Put the. The lion's share of it on debt, and some more of it over into retained earnings, so let's say you paid yourself. Sixty thousand bucks and this month ten thousand dollars came to the bottom line, put eight of it on the debt and put two in the bank. K.. You Know Eighty, twenty or seventy, thirty or eighty, five fifteen, some ratio like that. Ninety ten I don't care how fast you want to get debt, but put the bulk of it on the debt and yet still save some money. That's different than we teach. That's that's not rice and beans, beans and rice necessarily is because you're not really taking luxuries out of the business. A lot of people are used to live in a little higher on the Hog business, and you cut that back to where you can alleviate this in quotes, business debt that you personally signed for by hammering it with the lion's share of the profits. Meanwhile, you're setting aside some cash now. What's that cash do? Cash gives you the you become your own credit line so when there's a flex and there's a problem and receivable doesn't come in. You can make payroll and you can use that cash to buy stuff that you used to go into debt to buy. Okay, and so we're. We're funding out the other side, so we can keep growing the business and keep the business surviving with that retained earnings portion that two thousand out of ten thousand. Eight thousand on the debt and then beat that dead up. A lot of businesses are out of debt in three or four five years that way, even if they got millions of dollars that I've seen it done lots of times, I had a friend a big big new car dealership. In a major city of big operation, and he became convicted in his spiritual than that the Bible said don't borrow. Money wasn't Daveramsey talked him into it. And so he just said out of every car we sell here's what our margin is, and we're going to set aside this much and pretty soon. He looked up and half his floor plan was cash. The other half is financed and a little bit of time, and you know here's. What's interesting. He started buying differently. He was buying a little more aggressively from the manufacturer. Even knew much on the lot that didn't didn't turn well, and he started being very selective. We start using his own money for his inventory in his inventory got smarter, plus didn't. It cost anything because he didn't have interest cost? So it makes you a better business. Person makes you think when you spend your money instead of the bank's money, you are more diligent everyone one of us are. Are That's right. Okay, so you talked about retained earnings and setting some of that aside every single month. What are you looking at in terms of operating expenses to feel really really good about having that Emergency Fund for the business I think. If you could ever get it there, it'd be awesome to have six months of cash. Yeah, you. At six months of operating cash. You be cash-flush. We have never gotten there we don't have that. Because we grow so fast, that are the nut we're trying to crack is bigger. You're trying to constantly. Millions of dollars in retained earnings, but don't have six months to operate hundred million dollar company and earnings today. Wish did to build a lot of money, but not I mean. We've got several months, but we think we're to get there. The size of what we're doing increases payroll mainly. We're hiring three hundred people a year, so it's hard to catch up with the that adds to what the monthly number is rights right number so we? We've always grown faster than we've grown retained earnings, but we've grown retained earnings respectively so that. We. Don't get in trouble if there's. A freeze in the economy do temporary due to something It seems like a lot of times where people get trapped by this idea that I need to take out a loan or I need to get a line of credit is between those stages of business. We talk about treadmill. Pathfinder Trailblazer and a lot of times people will be on their stage and no plateau, and they think that the answer to get to the next stage is i. need more cash flow. I need more money, and it's gotta come from the Outside I see it three times one. Is there I? See it at the treadmill when you're starting. That's right. Yes, starting I can't start start with nothing. Everybody knows that absolute crap. I did it so. So You have to have this piece of equipment or you can operate. Bull okay rent it outsource. It figured out a treadmill. The second time is when you're on stage, and you feel like you've plateaued. You feel like you're stuck. Yeah, and what you have, there is not a finance problem. You have a business model problem. explain that what got you here won't take you there. Is what the problem is. You've been doing it this way and it got you to this point, but you're going to have to break it. The more it's broken. And you'RE GONNA have to change the way you're looking at this different way to deliver. Is there a different vendor? Is there a different pricing model? Is there a different collections process that you're GONNA? Use to change your cash flow problems? You can get to a certain point, but at a certain volume then you've always got a shift your business model. We've shifted hours around twenty. Twenty eight million times. It feels like all we do is change stuff. Because we just you hit you. Bump up against the ceiling and the way you're doing it analog instead of digital the way you're doing it. It can't get any bigger logistically. You just can't get it done an example. Simple example that okay. Let's say when I first started. I was doing one on one coaching. Now there's only so many hours day. So if I'm charging two hundred dollars now. I fill up all my six weeks out. That's all you make. That's it I'm I hit I hit a plateau, and so I got to borrow money to hire people Maybe not maybe I need to think. I need to diversify my product on me. Coaching is not the only thing, maybe I need a class and some books, and maybe I need a broadcast process that actually makes money. That's what happened to. To Me I went from coaching to those things in the early days because I hit I hit a ceiling with the business model was designed. I had a logistical analog blocks to it, and it couldn't scale anymore. What got me? There wouldn't take me here and you've that you have to break it. You have to look at that. The other thing I see is. And this is the most dangerous of the three. Yeah, and I see it all the time, and you guys doing coaching as well. Everything's going along and you looked pretty smart, and you are pretty smart, and you're doing the stuff the way we're talking about doing it and here comes the dream deal. Customer in the world and I can triple my business with this one customer, and it will never come around again. This is my only Sean Miss this. It's like Oh. Clouds opened up right and sun beam came down, and this must be from God. It's not as from the devil okay I'll just tell you. It's from the Dell. It's temptation. Temptation a life is what it is, and the only way you can take on this customer is. You'VE GOT TO BORROW MONEY? Upstate your equipment, three eggs of what it is upstate, your payroll, three x of what it is, and the customers going to pay you later. There are always going to pay you later. They never pay you upfront in order to get this deal done, and you know that because when you go back to them and say I would really love to do this but I. don't borrow money and I. Don't have all the equipment I need. Need to pull it off. I can do this I'll give you a discount over what you're thinking. If you will give me a fifty percent deposit upfront, which finances all my equipment to be able to do this hundred percent of the time that customer walk away, which means you're getting ready to get screwed? That's right. That's exactly what that means. This deal is getting ready to put a noose around your neck and drag you around baby. About to have a problem, and so I I, I have man. I had so many dream deals. Walk into this place. We didn't do them. And you look back on them later and I can't name names because it'd be embarrassing to the people that went broke, but That they come in here and it's like they're bigger than us. They're better than us. They're cooler than US and they want to do this big deal with little Oh us, and we feel so privileged to be at the table and then. We have to pay for all this stuff up front. And it's unique and customized to them, and if it doesn't sell, they get to give us full return back. Means I eat all of it which would completely bankrupted me because I would have had to borrow ten million dollars to those books into that store or those custom-made kits of whatever into that product line in the into somebody, else's distribution network, and then they didn't do their job, and we walk away from it and eighteen months later. The dadgum big guy who was cooler than me is broke. And God protected us. We didn't do a bad deal because we don't borrow money and If we'd had the cash, we might have done deal. But at least then we would have just lost cash and we wouldn't be out of business. But again like you go back to the value you establish from the beginning of we don't aura money, and so it sounds like a business. That's right well. One of the things you're challenging people with right here is that if you're gonNA, be serious about this. That has to be a decision that you make now. Because otherwise temptation will come, and you will step into that. The temptation about that building. Yeah, that's right. You know the temptation to do whatever and sometimes I do get to close on the things you do. Get to go into the thing and figure out a way that deal I got on the table this morning. I'm going to figure out a way to do it. And figured it out yet, but a lot of times, I think people hijacked their ability or their team's ability to have to figure it out oh. Yeah, because you just borrow money. All the creativity went out the door. It went over at the bank sat in vault. It's just it's horrible, so it's not just establishing saying I'm not going to do this. You need to also say. Because emotionally, you're gonNA. Add risk to my life. I don't want the anxiety my life if this doesn't work and doesn't turn out like it supposedly is going to turn out where out of business. That's why I don't borrow money I don't borrow money because the Bible says an Christian I don't borrow money for these reasons, and you got to have these like eight reasons, because there's GonNa, be sweet deal in front of you. Yeah, that just looks like a chocolate covered doughnut baby i. mean I need this thing. It's GONNA come up. You know it's coming, but then you gotta decide ahead of time. It's not going to do that. It's like you know. We used to coach. Teenagers in a ministry at our church and helping I was one of the allay adults up with teenagers and I learned this, and then I talked to my kids when they became teenagers. If you don't decide ahead of time why you're not GonNa Sleep with your boyfriend. Then you're going to sleep with your boyfriend is right. You can't just say I'm not doing that. Because I'm a good person, you can't just you know do that. You have to say now. I don't want babies. I don't WANNA lose my spiritual walk. These are the reasons I'm not going to have sex before marriage and I'm. GonNa, make that decision ahead. Ahead of time, and then there's no chance we move from the front seat of the backseat I mean it's pretty simple. Because I got my Hawaiian place as well as you can't just will yourself to do smart things you have to understand why. Yeah, and you can't make it a choice every single time to make the decision and be done with it. And, you're only done with it. If you get the Y.. Yeah! If you go because because as soon as you start, you'll be tempted. IDOL, yeah! Yeah, the I really want to do this then. Go know it's not worth the tradeoff. Yeah, it's not worth the tradeoff. Okay, so someone's listening this right now. And maybe it's kind of like the people that call you on the radio that are like Dave I agree with everything you're saying now. Can you just talk to my spouse and the business? People are saying okay. I agree with everyone. Everyone, you're saying, but I've got this business partner or I've got other stakeholders that I've got to convince around this. What do you tell that person to get the other people on board? Replay this podcast I guess but because I mean the the reasons we've been laying out there. It is a no matter which lands you look at it through Mathematical Business Acumen Liens Risk Lynn's spiritual. Cash Flow Lynn's ever mixing. Every one of those if you apply good critical thinking skills to it will lead you to say. You know what? I'm willing to grow slower. Godliness with contentment is great gain. I'm willing to walk a little slower so I. Don't Stub my toe. Take penalty steps back or worse yet, completely go out of business and turn my. Dream Into A, nightmare. I've always had a dream of owning a business. How many times have we all said that everybody listening right now. I'm me included. I've always wanted to own my business I've always had a dream of owning my great. American dreamed own my business, but when you do your dreams wrong, they turned into nightmares. Practically if you have large purchases that you need to make, or if you've got someone that's saying I'm a business owner I need to own a building. What do you say to that person? You don't need on a building? Buildings Aren't your business. If you like real estate. That's okay, but buildings on Your Business and I've experienced this once. You buy a nice building. If, you outgrow it. It starts to feel weird because it's like there's two parts of me. There's the landlord part of me. That doesn't want to lose my best Tenet with me. But but my business is now starting to be formed around a building. They're competing against each other. Yeah, the businesses limited by the building. But yet I don't want to move it because it's my building. And so you've got this paradox. Where now the tail's wagging the dog now the building is telling the business what to do. The shape of the building the size of the building the location of the building the neighborhood around the building. Whatever it is is now telling the business what to do. which if you didn't on the building, it'd be a no brainer. We gotta get Outta here we gotta get Outta here. For whatever reason and use move you know you're in a restaurant and you've been there five years, but man. Everything is falling apart all around this neighborhood I gotta get Outta here. My customers won't even come down here. They're not safe. Yeah, you know this is not a good location. If you own that building, you've got two problems. Business problem to move, and now you've got an empty building in a bad neighborhood in my case I grew a building, but and we actually bought a building next door, another little condo next door office Condo, and then we started leasing, and we had almost as much based least as we had in the building before we got into this one. That's right and we had a shuttle that we'd random. Everywhere I mean we did everything in the world, but because we were bound and determined I was bound interminable, my leadership team on notice to, and they held me accountable to not let my real estate Dave. Tell us how to run the business. and the building will do that if your business businesses not flatlined meaning, it's not suit completely stable, not growing, not declining. Extremely predictable. Then you really a question whether you want to buy building or not yeah. So, you advocate, people rent most of the time, but now if you sat in one place I got a friend that has a six bay garage, and he makes a lot of money. Great mechanic foreign stuff, and he does buddy my personal friend. He doesn't really good job, too, but he's had that thing for years his no desire to have more stores than that when he has that one store, he's GonNa run those six base. Everything's good. He's had it for twenty years. Yeah, by that building, sure by cash for by that building. That's fine, but everybody you know what your goal here. Goal is to run a business and grow a business and let it make the flexible moves. It needs to make in the marketplace and I promise you. Real estate will constrict you in your business, thinking if you're not very conscious about it in very careful. Are there any other prevalent lies that people should be prepared to hear about? Business Debt. Well I think there's A. kind of almost an immaturity, an emotional immaturity around the discussion It's almost like a little kid on the cereal. How the Mommy told him he couldn't have that cereal. And so he's red-faced Success Lipton throws a fit, and that's Kinda how people react when I tell them you know. Don't buy two hundred fifty thousand food. It's an emotional issue. Yeah Jimmy, not live my dream known. Tell you legal nightmare. Son and you're going to have nightmare. That's what's going to happen. Something's going to happen and one little slip up with the health department. You payments don't stop there, not helped department contingent. They're not. Your recipe sucks contingent. They're not can't find customers contingent. Those payments happen whether you're smart or not. Whether things work or not, and that steadiness of that you've got to be a GROWNUP and go. Okay. I'm GonNa do this, but I'm gonNA. Find a way to do it a little bit slower. I'm going to start humbly. Don't despise humble beginnings I'm going to deliver stuff. I'M GONNA BE, uncomfortable Blake, Thompson or not drope twenty five minutes each way for five years doing the Dave Ramsey show. So that we could use the local radio stations studio. I did not have the cash to build a studio. Five years. That's pretty shut up. That's pretty happy whining all right I've done this stuff all right, so you know. It's a pain in the butt to drive over there, too. It's not even a good road. You know yeah, and so it just everything about it was wrong. We cussed it. We hated it. We were always late because you get stuck in traffic. Things -iety around that, but not anxiety like having payments. Does the fact that you went through? The good old days and the scrappy days give you more enjoyment of the life in the business that you get to lead right now. Because there's so much margin. When you hit something, and you have no dead on at all and something catches, and it's a hit like this podcast is an example is zoom the numbers on this thing or mazing doing a great job. You know all of the sudden. All the things you're making off of it. It's like a hundred percent margin. Because everything's paid for all the stuff's done. All this equipment. We're talking on right now. Paid for so anything we make on this podcast. It's hard to even remember that we've got you know I'm probably sitting around the half million dollars equipment right now. That's roughly you know it's hard to remember that when we go out, we just cashed another hundred thousand dollar. Check on that Ding Ding. You know it's such pure freaking prophet, and there's the margins are so sweet when you do get something. That's a hit because there's nothing taking it away from you. So. Yeah becomes mathematically financially emotionally very satisfying. I know legacy and succession or top of mind for you right now. How does this topic play into that one? I, suspect I would come back and haunt one of my children if they borrowed money on this business. But speak to the peace of mind that it gives you to know that you're handing off a business to then that is debt free well, and you know what a lot of businesses were doing all this family business stuff we're working on around. You've been part of it. You've helped us way that. A Lotta Times Dad wants to hand off to junior, but really got some big POW that. And he's not really blessing Katie's cursing his kid. I mean I'm only give my son six hundred thousand dollars in debt on what a blessing dad! Thanks you know, but when you are one hundred percents debt free, and your personal finances are in order. You can make the choice if you want to for the good of the business to just give the kids the keys. my children will pay zero for this, and it's one hundred percent going to be there already ninety nine percent. There's from an estate planning standpoint. We've already transferred at all I. on the only voting stock people, so we're okay. but you know the the bottom line is I'm not gonNA charge them a dime. Because not modest start with I'm managing it for God. So what I'm really transferring over is their responsibility to manage his for God. It's a big asset. Obviously, but I don't need the money because my personal finances are in such good shape, I don't need any money out of the business and. There's no blocker on the transfer called debt. If there was a big bunch of debt on this, then they have to go to I. Really want this. But really want to take that on. And is the bank going to go along with the next generation taking it on best? Right. One of the things we teach all the time and our masters series. Events Summit event is within those six core drivers of business. Is that core driver of Prophet and the core belief that we always talk about? Is that prophets purpose so I'd love for you to teach on how this topic really relates to the overall mission and purpose and value of leading a business. Well. Everybody's going to have a different purpose. Obviously, but our purposes aligned with my friend, Simon, cynics new book infinite game, so our purposes not we don't have an in game two. Take it public. We don't have an in game to sell it. We're just going to it generation. Only we're just GONNA run. We help people. We're going to keep helping people, and so that's our purpose, and our purpose is to help more people. We got enough. Ramseys have enough. We're in good shape. We don't need any more money will take some profit out of here occasionally, but you know we don't mind plugging the vast majority of it right back in as long as we can help. More people run the business grow the business grow the business. That's our purpose, and so prophet is increased. and has a higher probability of actually occurring period when there's no debt. You don't have any payments. You make more money and you're probably GONNA be here tomorrow. which you might not be, and so that allows us to plough more back into which oddly enough the more money we make the list need. We have for bed. So profit purpose in that way. We don't have a need for data when we come back around and do the next purchase unless we just have a dream. That's bigger than what's going on. which is what happened this morning? Here I've got a dream just landed on my desk. I gotTA do. This gotTA figure it out, but So I can't always do that, but most of the stuff we do around here. We've just got the money. Because we make money and we don't pay the bank any of it kind of a cool formula. If you could go back and talk to yourself before you went broke before everything went wrong, and you had the difficult task of convincing old Dave. What new Dave knows now? What would be the things that you would say to try to get through to his head? He was so stupid he couldn't be. There's no chance you're GonNa talk that guy anything. He was hard headed. Arrogant had no chance he was gonNA, listen to anybody. That's why he went broke What you're saying here, though is that you don't have to go broke to do this. You don't have what you did to do this. You don't have to go through. Drug Rehab to figure out. Drugs are bad for you. So how do you manufacture that? Though it's not a manufacturer, it's just a knowledge thing. I don't have to sleep around to figure out. That's probably not gonNA work for my marriage you know I can observe other people that has destroyed their lives and. I can believe on principle as a value of mine that I'm not going to do that. All those kinds of things right so i. don't have to do drugs on, you know. My kids don't have to go in debt to figure out that that's bad they can. You can grasp intellectually spiritually emotionally and go okay. I'm buying those ideas I'm just not sure that that redneck kid. You're talking about whatever listen to that so but if you could have gotten through to him. I was just what amounts to is. I was so. Ambitious and so driven that I specialize in doing things that people never do I still do that, and so that portion of my personality was was malignant. In those days, and so I I truly believe I would not have no one. I wouldn't have listened to anybody I mean my grandpa tried to tell me I was born too much money, Grandpa, what did he? No, he was just a guy. You know you just a guy. Said cost accountant of alcohol, but what did he know? I just a guy and you know. He drove an old truck. What does he know I a Jaguar that? I had dead on you know. What does he know? He knew a lot Coming back a little bit. You Talk to our team. It was probably two weeks ago. About how the world right now is a little bit of a wild rollercoaster, and certainly that's the case with the marketplace. What is the final word of encouragement? You would give to all the small business owners that are out there listening to this podcast. Why Two K. Even know what that is. Did it end the world? nope. But in the same bucket with his other hysteria. Listen, people who were panicked and people who are drunk make bad decisions. And there's a whole bunch of people out there right now. That are both. And, so just in most of in Congress. So. Don't be panicked. Keep a clear head. Calm down. Calm down now. Here's the thing. When two thousand eight happens, when actual things hit the marketplace, and some people are going to experience some downturns in business and some experiencing upturns in business. If you sell a hand, sanitizer or toilet, paper or cold medicine, you doing really good right now and gamble. Okay, but if you're if you sell, you know if you're in the cruise business. Are you're in the airline business? You don't have hard time. Yeah, and so what happens is this is a perfect example. This is not something that's in your control. It's not something you could have ever assumed was going to occur when you borrowed money to do this business idea and. Anytime! Stupid is stress tested. It reveals. When everything's going good stupid can look smart. But when you stress test stupid, it shows up and that's what these events do. Their stress testing your broken theories about money and borrowing money, and having no retained earnings to where next time it comes around somebody, black, two thousand eight. They learned their lesson so this time when there's some kind of mass hysteria out here then in the marketplace and people just shutdown, doing anything for ninety days or thirty days, or whatever it is then you can survive that because you've got no payments. And you got retained earnings because the last time it happened, you swore never again. I'm not going to be in a position like this anymore. I don't borrow money and so. The bad news. Is that stuff like this happens? The good news is it's going to reveal the stupidity that you thought was truth. And you gotTA. Stop it, and this is your opportunity to change course right now. This is your wake-up call, and so I think it's awesome because it cleans out, it cleans out stupid. I mean you know people that are stupid aren't going to be in business anymore. They're gonNA. Be Gone GonNa. Shut them down. What happened to me when I was stupid? Yeah, I mean the market changed the banking climate change in my stupid everything was going good I was paying all the payments I was making money the. Golden child everybody thought Dave so smart, and then smush stupid got stress tested, and the House of cards came down around my freaking ears. It's really harsh. The marketplace is harsh. Yeah, it will flat out bust you in the nose if you leave your nose available. But it's also true. Yeah, it's GonNa it wakes you up and the trick is to learn from it if you're freaking out right now because you got cash flow problems, because everything's slowed down. Because of whatever then that's your wakeup. Call Baby. What you've been doing was wrong. And this is your time to change it, and so it's wonderful news because you know horrible thing happened to me i. went broke Wonderful News. I learned my lesson. Well Dave able for your time. We're grateful for this message. In the way, it's going to impact small business owners around the country. Thanks so much absolutely my pleasure, so you know on that last thought just popped into my head Warren. Buffett says when the tide goes out, you can tell who skinny dipping. Do, you think he's just a little bit passionate about that topic. I'll tell you I've worked with Dave for four years and one of the things that I've learned is that he gets passionate about the thing that he believes in and running a business debt free is something that He. Believes in because he's experienced the consequences of doing it wrong, but he's also now getting to live in the blessings and benefits of doing it right, and I know that his passion comes from a deep desire to see every single one of you experience those exact same blessings and benefits. And, here's the deal. We're really excited about this. Dave is going to be doing a small business. Our on his radio program. The Dave Ramsey show where he's going to take your questions about running a business debt free. We have no doubts that this probably route a lot of you up and you're probably thinking thoughts. You've never thought before about the operations and logistics of your business in Dave one to open up his time to answer your questions so if If. You want to call in and ask David question on the radio program. You can click the link in the show notes to fill out that form and our team will work with you to get you set up for that conversation. Hey, also WANNA. Let you know about a resource that our team created. That applies directly to the conversation that we had today. It's the six financial reports that can save your company now. This free pdf is gonNA walk. Walk you through the things that you need to have at your easy access as a business owner to make sure that you know your numbers, so if you WanNa, get this free pdf, you can text. The word reports two, three, three, four, four four again. That's the word reports two, three, three, four, four four, or you can click the link that's in the show notes I hope you enjoyed this episode of the Entree Leadership Podcast. If you did please give. Give us a five star review and tell your friends to subscribe for chance to win or twenty five dollar Amazon Gift Card. You can review this episode by clicking the link that's in the show notes and be sure to follow us on social media at Entreleadership, this episode was produced by Tim Hole and it was edited and mixed by. We'll rudder I'm Alex and on behalf of the entire entree leadership team. Thanks for listening. We'll talk with you again. Soon? Are you someone that's addicted to personal growth? You're driven to succeed, and you're excited about making a difference for leaders, all around the world will listen up. The entree leadership team is hiring and right now we're on the hunt for an incredible executive coach to serve alongside us in our mission to help small business owners win so if you want to join our team and do work that matters I want you to apply today. Two three, three, four, four four again. That's apply today. All one word, no spaces, two, three, three, four, four four.
You Don't Need to Be Perfect to Help Others (Hour 2)
"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 paid paid off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey. Your host open phones at triple eight eight to five five five two two five. That's triple eight eight two five five two two five so periodically over the years people have called and emailed old and set all day. I need to get a credit card so I can rent a car and I would whine and Moan and carry on here on the air now so you just you know I think one of these days one of these run a car companies would wake up and take debit cards because those of us carry around debit cards. Most of us have more money than you people carrying around credit cards. So it's not like we're unsafe to rent a freaking car to and yet debit cards. People are treated like second class citizens by the rental car companies and so had go on and on and on my own and carry on and so about a year and a half ago. James is one of my daily listeners. Here's me going on about you. Know One of these credit card one of these one of these days one of these rental car companies are gonNA wake up and unrealized. I could send them like ten million customers if they would take a debit card or not treated like second-class citizens so heat is texting his wife at work going. He's he's doing it again. I told you he keeps saying this. You guys need to do something about it. Turns Out James Happens to be married. The senior vice president of brands for dollar rent a car dollar car rental and so We got to meet them. They called said Y'all my husband. James said that you could like send us ten a million people and that might be interesting and I said well be interesting for us to send them to you if you take care of mistreat them right and let me rent a car from you with a debit card. Don't treat me like I'm a second class citizen. Awesome some kind of like a Dadgum. Red headed stepchild. I don't want to be treated wrong right and so I wanNA walk in there and betrayed first class like you know one of your commercials or something right and so they said you know what and they dug into it and they figured out the reason for their debit card policy and you know what the marketing folks and the leadership leadership team at dollar car rental got it and they went in and revamped their entire network to where you now can walk in in there with a debit card And in return I agreed to endorse them. Well of course I would I got nothing to gripe about now because one of them said we'll take care of Daveramsey listeners. Will Take Care of you debit card users and so They roll the thing out. We actually he's about this time. Last year we start rolling the stuff out and then by February anyway they started adding other stuff and all year long been adding other elements to the relationship with the Dave Ramsey tribe. The Ramsey solutions tribe the Chris Hogan Rachel Rachel Cruze Anthony Oneal. Ken Coleman followers. That are out there that all use debit cards and they walk into a dollar car rental place and you you get treated like a normal person you can book the car and you. Can you know do everything you can. You need to do with a debit card now. And and so they completely changed their debit card policy. If you book twenty four hours in advance you can pay with a debit card. Show your driver's license. You'll be on your way. They even eliminate the credit check. You just walk in just like you do with credit card pretty stinking cool and they didn't stop there They're they're now making your experience variance even better right now. They just launched a thing that they have a prepay policy. If you won't use your Debit Card when you book the card the car and pay it ahead. At a time they'll knock an extra five to ten percent off your entire rental if you pay through the website at dollar dot dot com slash Ramsey us slash Ramsey. Because that gets you the extra five ten percent off if you prepay because they know which one of us that is one of a tribe that came came in there and They're rewarding you guys for being who you are because they did a ton of detailed research on Daveramsey followers with debit cards words and they discovered they are lower risk to dollar then a credit card user is well da because my listeners are out of debt and they got actual freaking money in the bank. Hello they don't use a debit card. Otherwise right and so. It's working out for everybody. You guys are getting a better deal dollars getting a better deal I've got less to whine about. Everything's turn out good here so it's all good an extra five to ten percent off you prepay so listen. It's Christmas schmooze time. Some of your traveling some of your driving a hoop dee thousand dollar car. And you're getting ready to drive the freaking Nebraskan thousand dollar car. Maybe you need to go book look dollar car ahead of time and prepay it and use it for your Christmas tree up or maybe you're going to get off an airplane. NEGOTI GRANDMA in another end of the country or something when you jump off off have gone gone ahead and book it with dollar and prepay it and say five to ten percent and use your debit card dollar car rental. Take Care of you. That's why we have the Dave Dave Ramsey show from the dollar car rental studio. That's where that came from boys and girls. It says it right over the top of the studio. It's because we are thrilled to associate gate with a I mean these major companies. Most of them are tone deaf. You know but these guys in this marketing team this executive team we met why them out with all of them. I've got to be friends with them. They're sharp and they actually understood that there's millions of you under this voice under this microphone right now that react to this and do business with them because they take a debit card Owen. Ramsey people always like discount right an extra five to ten percent John off and the other thing is if you walk straight to your car and just look past the counter and just get in and drive off all you gotta do is go ahead and pre sign at their website. Website doesn't cost anything to do this and just go to their dollar express rewards and become an express rewards member. It doesn't cost anything you sign up and then when you jump on there you can by you can rent the car and you can prepaid it for it. Say Five to ten percent and you're gonNA walk right past the counter and walk straight to the car where your debit card. Oh sure to feel like a regular human now. This is nice instead of some second class citizen. See So. That's what that's why. I'm so excited about this company and I gotTa tell you it's you don't run into companies like this. We run into companies that advertise on the Dave Ramsey show and we have to bring him in here and teach them how to behave so that they can act so I can actually endorse them. Because I can't put my name on them because they're googles right I'd like to take their money and let them husband. I can't I can't endorse them because the I can't I can't endorse somebody. That couldn't awesome my momma over there. I forgot my mom over there. I can't put my name on it right. And so that's what this is and these guys are. I'm really really proud. How to put our brand right next to Dollar car rental because the the people behind the scenes the way they're making decisions in the way they're taking care hair of. You is absolutely incredible. They're a huge organization is one hundred percent of the people in their organization perfect. No it's possible. You could walk up to the counter and somebody's rude. There's thousands of them but it's possible I could walk into your house and you'd be rude to. Oh so shut up. You know it's possible one of my nine hundred people here screws up. Something people sometimes screw up stuff but that doesn't mean I shouldn't endorse these guys is. I mean they've had one or two complaints in the year that I've been with them and I think they got like a handful of sites that are not their corporate owned stores. They're like private stores. But they're like franchise type things and they don't do the debit card so I think there's like three places in the United States. You might run into that but let me tell you. Ninety nine point nine percent. This is freaking incredible. Absolutely incredible absolutely incredible dollar car rental proud to endorse them. Prepay for the holidays and get an extra five to ten percent off when you do that China for the dollar express rewards and use your debit card. This is the Dave Ramsey show This is the time of year your timeshare maintenance fees are coming. It's a painful reminder in the form of fat bill that you bought something you can't use and you can't sell enough is enough. Timeshare exit team will get you out of a bad situation when the resort refuses to help you. The first step is a free consultation schedule one today. If they can't get you out they'll give you your money back. Call eight four four nine nine nine exit or timeshare exit team dot com and schedule today. I I thank you for joining. It's America we're glad you're here. Derek is an Iowa Derrick. Welcome to the Dave Ramsey show. Merry Christmas Merry Christmas. What's going to love? How can I help us? Yes Oh my wife is twenty six. I'm twenty eight steps four five and six years For her her retirement along the way A year ago we Moving into a new house Passion that her and I have is Fixing up the house and symphony. The name is under house we'd like and so we were to personalized investment but also As I said for a passion of ours my question is the money that we invest every inch of that house. Is that included in the fifteen percent. step for or a EH Not considered force and since founded dedicated retirement funds. I would you. I wouldn't use it in my baby. Step four I would do that. And in addition to that I'd fix up the House as a saga adding The point is saved for retirement. Okay and and if you were to steadily fix up houses and flipped them fix up houses and flip them and every time you move into it. The only thing thing you've built for retirement is your home and so it doesn't give you any might eat with. which do get your home paid off? We do want to get you into a nice home by the time you get to retirement. Then you've got forty years to pull this off but but but it's not really gonNA turn into cash. You used to buy food and travel to wonderful places when you're sixty five years old it just going into a better house. Each time agreed. Yep Yep so for that that reason I probably would stick with traditional baby step before and do my fix up out of pocket out of my budget But you know if you if you dial it back as always you've got your head screwed on and you don't say never save for retirement because you've got this house scheme going. That would be a bad idea agreed. Read I agree. We wouldn't do that and one conversation piece we had was maybe dialing back instead of the fully invested my wrong Ross. Maybe taking a couple of green on about just this year. And then as as seems you'll positive towards the end of the year just refunded at Ben just so we Kinda have a little bit nicer. Hosting area just just quality of life within our you know the House that we bought. Yeah 'cause you're renovating a house. You live in socks. It's hard and so I want to get some of those big things to the dusty things out of the way but I just I think the pauline is. You've got to be very very intentional. And the beauty of the baby steps is the the more I I become Legalistic about them and hold you to them. The more likely you are to create the life that you're trying to create and so so you know if you do that stuff. The good news is you're kind of having this feeling like like you're breaking a rule or something right yeah. Yeah and that's why we wanted to call you know and so that's GonNa make you go right back to the right thing as soon as you can So it's it's not the end of the world but I mean I think job one and the whole thing would be just cash flow out of your budget your repairs while you're putting fifteen percent retirement and I think you're going to have a really wonderful result adult from having done that But I I don't know what the level repairs are what you're facing and you know if you turn it back for a little while and then you turn it back up each time I kill. Oh you GONNA kill you. Heather is in Tennessee. Hi Heather Merry Christmas. Merry Christmas how are you better than I deserve. What's up so I I got a A little bit of a predicament about a universal life policy. So I don't really I right now I was told been. Oh it's so great eight and this is all the things that's GonNa do Me and my husband are actually today's one month mark on starting a program and just the one month we have. It's like we've given ourselves overrating. Just doing budgeting and figuring out money that we didn't even know we had. It was just going out the door cool so Back in my mid twenties joining Scott talked into this universal life policies. That was one of our first things but go sit down with our insurance agent but stop this. Let's you know. Get a twenty year here. Tom Policy Of course he's trusted. Oh but this aid you make this much and of course I give him the numbers where you can take those and put that same manager a rope. And here's my numbers and I've kind of almost wish I could take the look on his face because it was pretty priceless. He's he's like well. I can't argue that you can. I have one small problem six months ago. I was actually diagnosed host with MS problem right. Now thank goodness I am blessed enough. I have zero disabilities. I have their their medical history and even blessed enough to be a nurse who works for a spine and brain institute. So they all it as I see I work with him so now. It's been super easy with that. I have no symptoms is just like nothing ever happened. It's just this thing now that we know how. How old are you And thirty two. So yeah harder diagnosis to kind of wrap your head around but like I said could could be way worse than I'm blessed that as of right now today I'm perfectly healthy like there was nothing that ever happened because of this I've actually spoken into Zander And several other insurance agencies several have said that they will not insure me at all Danger has said two years Arizona diagnosis real that they they said it would be two years My Insurance Agency has said one year from diagnosis. This that they would consider so my question is do. I continue to hold onto this whole life policy for the next six months employees that I do. I do have life insurance through my employer without life insurance but it would be employer. How much is the universal policy? What's the face value Right now so I think the twitter health policy crash out after penalties and all that that would be about five thousand dollars and What is your premium I'm actually paying only one hundred dollars a month right now. In writing the cash value at a hundred bucks No not really. I would leave that alone. I would not touch policy until you get Clinton till you get clearer this and can get a good twenty year policy and just keep up with what I'm doing to that six months to sit on. Yeah you don't you don't policy when you've got a health issue until you get the other policies in place so you can price with your company who's the current company. It's actually through a fun bureau. Okay and they. They're saying they'll write you a term. In one year's Anderson they may be able to ratchet term in two years unless symptoms more symptoms. uh-huh pop up. Yeah right and they both actually quote me for the twenty error. The Christ which would be about forty dollars month my age usually of course. That's way more more than a normal healthy thirty two year old but with my diagnosis that is GonNa make holster. Go up now. Two Hundred Fifty K.. no that that would be for a one hundred thousand dollar policy because of the fact that if I wouldn't even higher that with that diagnosis would almost be about what I'm paying for my. Let's pretend that this other one's not a cash value that it's just term one hundred bucks two hundred and fifty. I would just keep that into war without him. And that's the same price forty for twenty years right now. The problem is long-term out their way on out there thirty years. Twenty years out there the The the the universal is GonNa self destruct because the wait universal is structured is of the one hundred dollars that you're paying. They've got a certain amount allocated to life insurance for a thirty two year old next. Cheer the amount they allocate to insurance for thirty-three-year-old goes up so it's like it's almost like your principal and interest payment on your house except it's going the wrong way The interest I is increasing the amount going to insurance increasing every year to wear it will reach the point that it's more than a hundred dollars a month just to buy the insurance based on your age is not based on your diagnosis. So it's not a thirty year plan but it's probably a fifteen year plan to keep that policy. I'm probably keeping that policy with your diagnosis unless you can get better pricing on the term later on but the forty dollars for one hundred thousand versus one hundred dollars for existing two hundred and fifty thousand. That math doesn't work. We stay with what we got. That's what I'm thinking unless I'm missing something here You stay with it and keep keep analyzing it. Keep watching it James is in Michigan Michigan. Merry Christmas James. How are you for taking my call? Sure what's up The situation AUREA Korea five payments. I'd be five weeks away of being credit card debt free so we yes. We have a a good amount of money every month. That will be freed up by doing that over over five thousand a month that we can move to another debt so at this point Elaine. I'm looking at two things. We have to be ICAL recreational vehicle that we really want or a house. I'm wondering I I. I'm leaning towards taking care of three vehicles before we start going at the house and as your thoughts well we teach people to pay off everything but their house and we call baby step to so vehicles. Always come before the house so much deal when your car's in your RV It's a jet Ski Oh Oh thirteen thousand one car twenty on another in thirteen on a jet ski so we could literally pay that offering next year all of it with all of it all right and yeah we leave you know we. We got really serious this past astle we started. You know I started watching. You put my wife onto you know your concepts and we just decided that we were. We're fifty years old. It's time to stop playing. Didn't get serious good. I'm proud of you so you've heard me talk about the debt snowball then and paying off everything but the house and baby step two right. Yes Sir X. that's the way I was leaning and I wanted to make sure that you're right. I mean we're literally the pay twelve hundred dollars a week on whatever loan week after next so that's wonderful. WanNa do yeah. I mean think about this time next year. You're sitting there with everything paid for by the House. You're going to be in really good shape. That's feel great. Call you back to you and tell you we did it and thank you a bunch because is you know you really have inspired us and I appreciate it. We'll look forward to having you for a debt. Free Scream. I love it broke is in Washington. Hey Brooke what's up. Hi Mr Ramsey. I I'm in two hundred and twelve thousand dollars of that loan debt. It's the only that I have well. You doctor doctor or lawyer. I went to law school. I am GonNa take the barn July Why are you in July? uh-huh oh I took it twice already. Graduated twenty seventeen. I failed twice by six points both times. So my question is half of that. Debt is already with creditors that that is about to be defaulted on what do yeah I do with the debt. That's already with the creditors. And how do I. I don't even know where to start to kind of even start paying it off and if I can with the creditors because they want large lump sum. Yeah yeah the collectors. Yeah now these are all federal student. Loans No A lot of them. I'm a private Show higher interest rates correct and What are you doing for a living? And I'm walking dogs. I'm trying to find a job in trying to get a bigger shovel but a lot of the jobs that I'm qualified for. Check your credit and because my credit is not that great I don't move forward the process so I'm I'm working two jobs looking for a third. We'll kind of John. They want to get the credit. I was I gotta interview for hip compliance with the federal government and. They said that they rather me have credit card debt then in student loan debt. Because I would be in violation of public trust with your run. Yeah which you know makes a lot of sense since they're the ones that make the freaking student loans right so bass ackward. It's just ridiculous unbelievable. Okay so but durin default either way so you don't really qualify for stuff where they're doing a security chairs check or hip check regardless of what you're in default on. So what else could you do. I mean you got a degree in what other than jurisprudence Psychology Okay and so you were just trying to use the law background with the feds. Well I was just trying to get a good paying job so I could start. Chipping away at this point. I don't care what I do. I just wanted to be debt. Free that I have but I mean I would think you could go to work with someone almost in a paralegal capacity Applied for paralegal positions. What they say you know we want someone that's going to be five years? You're taking the bar you WANNA at the end attorney ambition. That's true that's fair. Okay yeah so anyway. All right Really what amounts to as you're making survival survival money until you pass the bar. They're probably not getting any money. Agreed so it doesn't really matter all you do just say can't pay you only money. Are they going to do take one of the dogs. You're walking. I mean there's nothing they can do. Well they want. My mom is my co sign on one of the loan reflecting take her house. I'm in her car. I I don't own anything but my mom does so. I just even if I do get a bigger shovel. Is there anything anything I can do with the the once you get your bar past and you land a good law job. You can begin to attack this because you've got some income but you're gonNA have to have some income to attack this with you can't attack it with a wish right right right and so You know I don't think they're probably do a lot of stuff. They're threatening to your Mama's quick as they're acting acting like they're just trying to Jack Kyser emotions up which they're really good at a but I think you know I think any money you can make to make sure you get survival done and then beyond that that you can start to address some of the more aggressive ones with some kind of a payment plan until you pass the bar car until you get there anything you can do to just kind of stiff arm and hold them off but the bottom line is we need to pay two hundred twenty thousand bucks off right and in order to do that when you make like a hundred right and so we gotta pass the bar you know and right so then you you you continue on nothing and you start doing you start throwing fifty seventy five five thousand dollars at this thing a year or more. It's GonNa go away. The pressure's GonNa go away. I and then they'll debts start to go away. It'll melt away because you know but it is just an arithmetic thing that you used simply do not have you have a desire to pay us. Don't have any money right right. And so the way to solve the the shortest path in discussing this with you I think to solving that is is passing the bar and you're not eligible to sit for it again until July. Hi correct I missed the February deadline because it costs money to take the ball so well this is a priority not only sitting for but passing. The bar is a priority because solves not just the Hits the goal of why you did all of this but then also I it. It solves the arithmetic problem that we've got here so that's that's the sole focus of everything is survival and passing bar between between now and July. That's what I would do then so but I I don't. I don't have any expectation that you're GONNA make any big headway until you get some income coming in and I don't I think you're GONNA have a big income coming in until you get this done. It doesn't sound to me like so there's something you can take with your doctorate near spurdens here fact that you pass the law are past law school and go land something somewhere. The page one hundred grand have at it. I'm I'm I'm up for that Mad about it but you're much more likely if you you are to to create income if you pass the thing so a good question. Thank you for joining US folks if you want to help people with their finances. But I don't think you can because you're still in debt that's not how it works. Perfect people don't usually help other people. You can stay Kazillion dance on your own journey. While you're helping other people get out of that you do not have to be debt free to financial peace university coordinator very very few of our tens of thousands of financial peace university. Coordinators are debt free. People don't need a perfect person to elite class that they're going to. They're not learning from a perfect person when I'm teaching I'm not perfect. I've got a PhD. You EMBI that's why they come to listen to me because I've done stupid and I know what it looks like because I'm not perfect so all they needed somebody give hope somebody give them encouragement someone and tell them yes. The baby steps are for you. Yes if you're fired up about what we teach become a coordinator by texting lead. FPU To thirty three very seven eight nine lead FPU to thirty three seven eight nine Kamarck is in North Carolina. Merry Christmas mark. Welcome to the Dave Ramsey. Show America. Thank you for taking my call my pleasure how can I help Have a question Right now my wife and I are renting and we're paying for having a lot of strapping storage and we'd like to buy a house but we're gonNA retire in five years and so the question is When we retired we Morris quitely will move and so like I guess this determine what is better for US financially key? Continue to rent or to buy and then like I said possibly in five years knowing that Are we likely move You know the difference between Renton in A mortgage and the down payment and everything else that goes with it. Yeah good question. Well well the analysis mathematically would be based on the how hot the area that you are in is from real estate perspective Where do you live in North Carolina in Charlotte? Oh good market. Okay cut show in the particular neighborhood that you were going to live in I would drop a point there with your real estate agent and say do do me a five mile radius analysis of this area. Okay route ten mile. I don't care something like that. And you're looking for to statistics from the multiple listing service from your real estate agent. You can get one of our real estate elps to do this for you. First thing you're looking for is in the last ten years five years. What is the average annual annual appreciation rate in that five or ten mile ring? How much are the House has gone up okay? The second thing you're looking for four is dom days on the market average days on the market. So let's then let me throw you a couple numbers out. They're gonNA run congruent. They're not gonNA run opposite of each other. meaning that if you see I high appreciation rate. That means it's a hot market and you're also GonNa see short days on the market agreed right easy to sell a house in an area. That's hot going up and the market is hot right. So if you're GONNA see a low appreciation right I usually gonna see long days on the market so if you find a two percent appreciation ray you might find a two hundred day or two hundred seventy nine months at the time on the market right days on the market. Don't buy if that's the case because what you've got is you've got two percent a year for five years ten percent increase your commission off the back side will be six plus other expenses. And you're going to sit there nine months trying to liquidate the stupid thing. That's not gonNA work agreed. But if you find that Marcus hot like this the county I live in g nuts. Okay white hot and and so I mean you might find average days on the market seven days and you might find a seven percent appreciation rate well seven times five hundred thirty five percent increase in value during the five years not counting compounding and And so if I pay ten percent out and expenses I still made twenty five percent and so I lived there for free. You make money and I want to do that one if I was going to be there five years. So if you're reliving my county you'd want I don't know that that's the exact numbers of my county. But if you really have in my county Johny which is hot as a firecracker you'd WanNa buy for five years but if you're in an area where the market's a little more sluggish You know you might not even break even and then you might. You might be sitting on a stupid thing. You can't get rid of it off the back side of the five years. So that's how you do the analysis and if it's kind of in the middle and you just don't care then I'd probably rent okay. Yeah 'cause that's the concern is a port on the twenty percent and and you know versus getting the rams twenty percent back and some that if the market's going up agreed right right so I'm not worried about getting the down payment Amo back but I'm worried about when you get it back. How hard is the house to sell and the Dom's GonNa really tell you that days on the market in that particular area that you would wanna buy the an and of course what's that going to be associated with it's going to be associated by the quality of the neighborhood? The school system is going to be associated by reasonable traffic patterns and shopping and access Mr Restaurants and things to do and Economic activity and these are people wanna live right and it's a good neighborhood in air quotes right a good good neighborhood. And so you'll see you'll see that. Show up in the statistical analysis. If you really want to dig down into it you can kind of get a gut feel for that just by walking around around the area you live there you kind of know and you hear stories from your neighbors like Oh my God. That house sold so fast. Or you can't give away right now. You you know you hear these things right and so that's what you really want to get into and figure that out. My guess is in Charlotte. If you're in a reasonably good area area of Charlotte that you will make plenty of money in five years to buy. That's my guess but check it and run the numbers and you'll see what you find Charlotte's very similar to Nashville in size and demographics. Not Quite as hot. A City Nashville is right. Now and the neighborhood I live in is not Nashville. Live in a county south of Nashville uh-huh in Franklin which is twice as on his Nashville and national pretty crazy but Anyway charts good market. There's nothing wrong with is not a dead market. It's not it's not in the doldrums. Ought to be ought to make enough in five years to buy their unless you just go into a bad corner over there somewhere aright matthews weather in Colorado Arado. Hey Matthew how are you. Hey good how are you dave better than I deserve. What's up? Hey so I've Me and my wife started a business sixteen years ago and it's completely free so I do. Debt free scream however I'm not happy with myself because I got greedy. Medium went out and started a second business. Borrow the money to do it. So we're in a situation right now where We owe the three hundred three hundred and six thousand on the new business While being debt free with the other one and we're kind of cash flowing the new business with the old one the new Islamic not making money. It's not making money right now. We're about a hundred and fifty dollars per day Cash flowing from the other business. This was it losing money. A Lot. it's been open for a year and five months now and it's just I'm the neighborhood is kind of an neighborhood where it's going to explode but not quite yet. It's a coffee shop. Three hundred cranny a coffee shop. Yeah Okay so what's your question. So we're kind of interested in selling the first business because Let's sell the one that's making money not the one that's losing money. That's swam calling you. That doesn't make sense. Well where where my question is is and this is in our expertise is Can you sell a business making money in other words. Can you sell the coffee shop. It's probably what you call book value and it would be based on the I don't think you can get three grandfathered. 'cause you probably don't have a grant and fixtures an inventory no I su- what'd you spend three early on a grand on equipment tables It's beautiful okay. And you'RE GONNA make it up one cup of coffee at a time. We'll see the pro forma okay What's the other business making their the business making close to five hundred thousand year right and we're We're cash flowing. Eight hundred and fifty every two weeks and the coffee shop as a loan to shareholder. And then we've got to come up with another four five hundred thousand dollars and you got a twenty four thousand dollar burn rate on your your other business per year. Yeah just just feed it forever. I'm sorry feed the coffee shop for a while how. It just didn't make money as fast as you thought it was going to. It's going to have to make money eventually. You're GonNa have to do something really painful like lose. Three hundred thousand dollars but 'cause you know a business. Sales based on its net operating income with a net profit is multiple. What a small business sells on or itself on book value which is equipment fixtures inventory and receivables? And you don't have anything there you've got us some use tables some US coffee making equipment in a failed coffee office shop so I'm GonNa feed the thing you make a half million dollars a year feeding only twenty four grand feed it keep it open awhile and work your butt off on marketing and get some some people but those tears and drinking coffee and turn the thing around. That's what I would do. This is the Dave Ramsey show Hey It's Blake Thompson senior executive producer for the show. And then you can listen or watch anywhere with the Dave Ramsey show APP on your smartphone. Catch the full show or watched the highlights and checkout days upcoming. Yes the APP store and download it today. They make more money doing what you love. Check out Kristie rights business. Boutique podcast Christie's inspiring in quipping women to become successful running their own business hand Christy Wright and I help women all over the country take their ideas in passions and hobbies and turn them into profitable businesses. If you have an idea in your head or dreaming your heart and you've ever wondered if you could make money doing it. I'm here to help. Join US on the Business Boutique podcast where we are equipping women to make money doing what they love. Hear more from the Ramsey network including Christie rights. Business Boutique podcast. I wherever you listen to podcasts. Hey It's james producer of the Dave Ramsey show. This episode is over but check the episode notes for links to products and services. You've heard about during this episode. Thanks for listening.
Ep 137 | Buy a Truck, Get an AR-15!
"Outed streamed all of that stuff check it out D. listen to it on the way to work or on the way home you get the opportunity to do that Monday through Thursday because candidacy the queen of the party time on welcome to another episode of CBS and try we'll come get your children the Chad breakthrough show that's what it is go to her podcast her can be download all discussions of what's going on in the world geopolitics and Donald Trump Nancy Pelosi Yankee hero he and Elizabeth Warren I want to encourage you hey come out and see me Friday night Tulsa Oklahoma GonNa be there star spangled banner coming back through town that's going to be the nonsense and our common sense commentary that goes along with it because the world's gone crazy you might as well have some ideas on how to deal with it how to discuss it a folk honky and just all the fun stuff that you're going to get to talk about when your aunt Mary shows up from Maryland in you know she wants to tell you how wonderful Chuck Schumer is anyway but the people who watch this show and follow you know what you're not you're not dumb you're supportive and I appreciate that and I'm thankful for you guys we're going to get right into this show you know Thanksgiving and Christmas are coming up so you better go ahead and fuel the fodder because it's GonNa be a lot of fun when you get around family and you start having political in your head in because we're going to get into that day 'cause we got crazy things going on in the world we can't wait to talk to you about can't wait to fill you in on just useless you don't want to go into a boring political rally no fence against the president but political rallies get little boring You can come hang out with US Addison Improv Eagles Liberty we're GONNA be bringing it to you the Chad Braver Show here in studio twenty to get you some yeah I looked like I like the yellowstone do today and that name of that show Michael Loftus Brian Hainer arena call your we're going to be there and then I'm going to be down in Victoria Texas down in Victoria for more star spangled banner fund were there rush out all the issues some that you need to know about and a lot of them that you really don't need to but we're GONNA have fun talking about so stay tuned when I come back three PM Texas time the only time that matters so you can get it in the afternoon right in time for you to go sit in traffic and just you while you're cussing out other drivers you can listen to US talk about next week and it all kind of stuff you can find it watch Chad Dot com which come hang out with us I'm not running for office I'm just having fun day in day out here in studio twenty two because the puppet master and some seventeenth same night daddy trump is going to be here in Dallas we're going to be in Addison Texas at the Improv can't get into American Airlines Center out of the Union address if you've been to a show in Tulsa before and many of you have it's going to be some new stuff here I got a lay it down on the line they were headed up to Wichita Kansas on site the news and because each other out here in studio twenty two it's a lot of fun it's a lot of fun wait we it's like we give you permission to to just have the little rage machine going off mark is driving this ship and we are headed out into cyberspace today Sara Gonzalez is GonNa sit down in the hot seat party foul Steve's going to sit in the pub and we are going to have own joe you'll hear you surprise me tonight I want you to come see that then coming back we're going to be in Houston on Tuesday night and on Thursday night am I right Steve's Thursday night we're going to be we're going to be criticize talking smack support and encourage takes all kinds all kinds of kinds as anybody you're rep wheeler boom boom repealed knockout Mama said knock you will be right back no I do television today my goodness the Chad Prater show coming at you look at you guys out there watching us on Youtube complain ever told you that you ever complain about somebody and the people in your life or like it takes all kinds of cance now no you never had anybody say that now I hate them people saying that to me you need don't do it it's career suicide and then in two thousand sixteen when the election stuff was going down Sarah I said I gotta use this platform to say some things and is the best we really do I mean these people show up I get the kindest words every day said to me in my inbox and my comment threads when we post things you can't censor yourself especially when you already platform like you had a platform how could you in good conscience if it's something that you're passionate about how could you not use your platform to talk about and it's just for me it's been a crazy couple of months in that I have been just like too busy yes you know how you get too much going on yes and that's the way to put it I mean yeah it is a way to put it they the stuff they send you the stuff they say to you it's classic man but you know what we got the best supporter what I did and the rest is history and now look back on it and it's like I don't know that it can be avoided today yeah no I agree I mean I was in the same boat I was I for me it's the passion people used to tell me all the time back two thousand fifteen they're like don't get into politics don't talk current events don't get into politics and I'm like but I really enjoy that and they're like I still have my license but I was an insurance broker I mean I have I still have my firm but it's more of I've swapped and I do politics now fulltime and I do the insurance stuff part-time 'cause who's GonNa walk away from money do but I mean it's just it's when it's your passion and it's what you WanNa talk about you can't the Holy Bible and I just I love our constitutional republic that we have here I love the fact that we can get involved in politics and use it avoid I love social media as much as I hate it I love it I hate things about it yeah but I do love it because it just helps you reach out you know you these people say that I would never say anything if it were left up to him because he's trying to he tries to protect you now my arthur they know who I am at this stage in the game they know who I am has he come out as a trump supporter or he's lost a lot of like Hollywood friendships and I mean you know he's got a heck of a resume out there and you know he's always telling me he's like I but you know that you got to keep plugging and precedent pushing through because this is the thing that if you just keep on doing it there's some good things are gonna come and for me I don't know about you it was funny because like my manager Arthur we talk about him all the time out in La who is he you know he's he's a conservative guys at trump supporter used to not he was a big time liberal okay the world and we're talking about before Christ you can read Julius Caesar's Gallic wars which were written one hundred years before Christ and really bring people together you know I think that again it all comes down to our responsibility when we use it but I don't think that we've taken that responsibility seriously maybe take it easy like if I ever had to get his approval before I ever did one of those truck videos aransas or or anything I do he would say don't tell that him to be able to bring people together and it's made the globe so much smaller if we just would use it with more responsibility you said Britain to bring people together and I'm like does on wall but it's a digital wall and we're keeping everybody's words for posterity whether we have responsibility with those words or not I mean you can still let me say something that I haven't seen in a long time but I've said it many many times and that is it used to be that we would put our messages on walls whether it was cave drawings or Egyptian cons guidelines those cons get in your inbox let me say something people are funny they're so funny WanNa you know I was joking on the intro about people who want to send you these hateful messages and stuff like I don't know you you don't know man you live across the country around the world but what a great platform you can go back and you can read those documents because they were worth keeping Sun Suu in the art of war these things that are ancient documents and these days we got somebody that's posting a cupcake the pet stains and odors from your carpet and even down deep into your padding probably even cleaning hardwood floors that are down underneath all that stuff that you've been hiding for all these years it'll do it man and I love this country I love America I love I love this idea of this 'cause I love our constitutional I believe it's the greatest document ever second arrogance and we kept the king's words and we kept the poets in the philosophers in priests we kept all the profits we kept their word for posterity. Now we're still writing about the pets entire house bathrooms kitchens countertops granite courts garage floors oil and grease stains your kid's mouth when they cuss we'll stills upholstery yeah you can go look up the words of Plato and Socrates and Aristotle and you could talk about the shadows on the Cave Wall and the and the things that they use a philosophy I used to growing up I had people that I went to their house every afternoon I was a kid when I can still to this day remember the smell of their litter box I can't do that what about this it's not that we have this idea like president trump just pulled thousands of troops out of Syria and just left the Kurds who are good people get a free spray bottle going to get a discount get a discount when you use code blaze go to genesis nine five zero dot com genesis nine fifty dot com so stage got pet odors I do genesis nine fifty s away to go don't replace your carpets don't do it genesis nine fifty it's GonNa get rid of your pet stays to get rid of your pet odor your sixty correct me if I'm wrong on this and I'm talking to the folks watching her listen we're talking about some Special Forces folks they're just pulling back they're just not on the border you can use it in your carpet cleaning machines it's green it's safe for your family and your pets it's safe folks so don't work time to by genesis nine fifty on so he started a fresh offensive in northern Syria started yesterday and we've already had civilians have been killed on that it's a sad you start getting into this stuff and you start leaving allies and I get it I get I get the logic behind it I agree and disagree with all of it thank genesis nine fifty this stuff work is it really does this is nine fifty these people wanting to replace their carpets. Don't do it too expensive you don't need to do that you got pets I do you got bill so going to be interesting to see how the Americans respond trump said some pretty big thanks I hope that he does genocide there they are and I mean it's it's frustrating because you know while you say okay it was only fifty or sixty special forces we just moved but you know we saw yesterday we saw some some stuff where there were some film of you know these civilians are running and we've already got a death count of civilians and thereafter I take a little water put the genesis nine fifty in the water is going to break down all the bonds all the stains all odors so they're gone for good it's got an antibacterial component this eh where's your husband Steven Steven she needs a proud. Hey Genesis nine fifties my favorite I love him I've been cleaning up every we're our allies I supported US quite a bit and if you talked to anybody who was on the ground in Iraq they'll tell you the Kurdish people were some of the best people they encountered yes we're talking about fifty we're not using genesis nine hundred zero there were not open that's when the cat has actually gone outside the litterbox yeah or you just don't scoop it yeah you gotta scoop it Astra by my head don't put it so before you get new carpet try that genesis nine fifty you can get it on Amazon but don't do that goes straight to genesis nine five zero dot com you're gonna I couldn't handle that smell if you got older stains odors you can use a larger ratio of the staff here in Genesis fifty just put more of it in the water but hey it's not just l. let me remind everybody that the animosity between these two people groups started long before CNN and Fox News started telling you about it can thousands of years Jenner her at all I don't like to be in I don't like that we're in other places I don't want to intervene I'm almost to the point where at the same time that we know that Turkey wants Kurdish genocide so it's hard because while I'm I am not a a warmer he's quite clearly a dictator with evil intentions were vicious yeah you give them power you see what you get yeah but you know what's frustrating about this particular situation our troops out of there they don't need to be in there I mean he was the one who presented the optics that hey we're leaving we're leaving this region we are leaving the Kurds to their own devices that's not really what's what's taking place with the headlines read but I mean it was president trump who tweeted out right that I worked were removing we're taking and of course president early and how do you say his name aired on air to one Birdie in Oregon his name is recip- Taiji the crazy yeah that's aliens hate us they just pass us right on I'm okay with that I don't need a prob- I don't I'm a crazy cat lady you're crazy I have a question about that do you have like when you walk into the house do you smell the cat litter you don't have that absolutely not Russians do you have later on down the road because you've shown potential allies that you're my ally when it's good for me but when it's not good for me I'm not gonna I'm not GonNa have anything to do with you shen is that there are all of these Democrats who are so you know over the top with their trump derangement syndrome that they were totally four Claire Wargin how'd you can do that in Congress you can declare war against Karki Claire War if you're congress you can but you will not says all guesses on in with the Kurds you know this whole thing in Syria we knew when the president said okay we're gonNA pull our guys back and we but again we think about these things from the perspective of a First World American perspective and viewpoint we'd have no idea what it's like live in the Middle East and these people who are have been at war for generation after generation we don't know what's how that feels yeah you got Mexican privilege I got white bread I'm just an isolationist right like I don't want to be and other other countries business but you have allies for a reason right and so if you start saying well you are I but we're going to leave you high and dry when the time comes I mean what's the point of having allies at that point because then nobody can trust you nobody's going to want to be your ally and what what's going on when it comes to war but hey I hope you gotta plan because I because again you know our humanitarian the end of the day you don't want to see anybody dead anybody killed on on on Instagram said you know Wilma cake fell and Blah Blah Blah Blah Blah. You know what you shouldn't be eating as you ought to be doing this is action after generation of you know you look at this and you're like well the Kurds the guys well there were times when the Kurds were the bad guys and these are the things these people hold a grudge they hold a grudge man you're not being involved in any foreign affairs until trump says yo we're leaving this place and then they're like I can't believe trump would do that it's like what what this and look I hope you've got a plan I'm not in the Oval Office hanging out in the West wing I'm not an expert expert on Middle East geopolitical politics and all signed a single Democrat is out there willing to say okay let's get together as the House of Representatives and less declare war against Turkey that's true or not GonNa do that now they just you gotta scoop it yeah we've got Asti it's not an open yeah litterbox that's gross barn cats in our one indoor cat we had the same thing as you Jay rain hippy because you have longer hair a little hippy a little redneck okay he's a little he's freeze you believe in alternative medicine or essential oils yes okay all right line that is the bottom line but hey that's why he's in and I mean you know anyway let's talk about the WanNa use trump knows the excuse yes trump's not a war monger trump pulling out he says look how many times how long we gotta be in here what's the end game what is the end result with it gives you a gift certificate for you to go to their buddies gun dealership to bomb a gun you still have to fill up paperwork you're so but I mean you know I mean you know who is right he has imprisoned like you know media and political rivals and I mean he's very again Nogan he's tired Erdogan that's how we'd say back home in Georgia Recep Erdogan for cancer shut up Oh yeah this is real see this is the crap we deal with while while the Kurds are being invaded right yeah right we've got about it yeah so there's tanning salons out there that are targeting gay men would you go buy a car to get you in a Ar fifteen only because only because I've been wanting a new car aren't doing for six hundred bucks then you qualify for Hippie that's fine I accept that that's that's true Steve will say yes to anything pretty woman asks that's the Buzzer because they're opening their tanning salons lgbt neighborhoods because they're trying to accordingly trying to increase their risk Carolina that if you buy a car from him they're going to give you Bible in fifteen love it love it oh man if I lived there I would totally go do that you go by car salons were twice as likely to be found within one mile of a neighborhood where ten percent of households were made up of same sex male couples compared with areas of less than Denver Zandt County I mean people but but isn't that funny funny they say okay well they're opening up tanning salons within a mile of gay communities well as any he's got like over fifty percent approval rating the Virginia governor who basically said we should be able to kill a baby after birth if if the MOM little cars right if I want a new car already on trying to get a new car and someone tells me you're going to throw in an Ar fifteen I'm going to be looking at those cars the Smart Smart Business Smart Business Dude you know you know how I'm not gonNA ask question it's still you've got to pass a background check people that right there you like that I'm Gonna I'll stick every one of them in that foul undoing again there it is tale Steve's got all he's appropriate I'm thinking he can appropriate that privilege hippie privilege are you is genius privilege take your gun is the car the car dealership loophole yeah still it's still it's still the way I did before I get hate mail I'm voting for the guy all right don't send me hey I might criticize s okay we'll look we do that on this show we we call it out tanning beds a bunch of hypocritical and there's no reason to put a planned parenthood in a gay neighborhood just going with your logic things were dealing with let's talk about the things we're dealing with though because there's so many things like tanny well this is all problems yet like our first world problems like there's a Ford dealership any at all have a problem with the fact that they continue to open up planned parenthood's within eighty eighty five percent of them are within walking distance of urban community let me tell you that's killing more people than the creases like that like the White Tan creases like into crack your button stuff and under your under your in your thoughts stuff like that because you don't the judgment stop them from being able to communicate effectively and behave appropriately apparently has mental health deteriorated rapidly after the brexit. If you want to tweak the way that you look go for it juicy where the brexit referendum trigger-man psychotic disorder and fear of racial dovetail but I don't know that you're going with what you're right there's not there's not a lot of reason they're like there's not a lot of gay couples getting abortions are they're amazing Jala adopting or they're doing in vitro and they're doing all of these things in there you know or somewhere I just would you probably are funnel thing I love how the trigger people come out there like we can't wait for the lawsuits companies held liable for shooting I do not want this neck area to look like I'm seventy years old I'm getting a facelift about getting a facelift by and so they described it as an acute psychotic episode of psychotic disorder which can alter Ammann's a person's perception of reality yeah how'd you beat see people have a higher did they smoke at higher I don't know their smoking something let's see that's that's interesting detail incidents I miss that and UK the This guy was in his forties you visited an emergency room in Nottingham Referendum in June two thousand sixteen so triggered him he started having Bizarre Delusions Yeah yeah people good excuse to me that derangement syndrome I don't get into these stories I read these things Allergy Alliance you lost me there Oh. CPA suggest discussion of reducing non-recyclable waste wiser choices and food and cutting energy parents that climate change alarmists against their causing echo echo anxiety and children they are you is your standard here's what I defy for all of them to do what I want you to do now you belong here when she gets there in front of the House Speaker out and I want rush on trying to have the baby because life is apparently brushes it depends on who you ask I mean you know Ralph North no one of my favorites is all of the articles that were published about couples who divorced because trump got elected or needed to see a sex therapist because he was missing figured by something in the news and it just freaked out well crap I I might be triggered right now somebody wanted to do an article call me call me I got weird things go on me yes guarantee how these kids Pantley Berg Grad tune better does there's no doubt Dale to-do he's he's got high approval rating so apparently the tobacco industry has also shown the market high risk communities like that including the LGBT Communities Blairite Open up crafts seeks yes I'm gay dudes have the same issue which is weird but anyway it's just absolutely crazy like I can't like people right like two thousand words on this stuff I mean okay so it's a person who got the videos and forming educators parents and others on quote facing difficult truths about climate change an ecological crisis salt cod CPA you live climate cycle consumption around the house yeah so so if my kid walks in and see some trash that didn't make it into the recycle Bin Light let's say I just can't okay I'm not here to judge I'm not here to judge my my motto plastic surgery is you only live one life oh my trash where I want I'm like I'm like really you're gonNA pull this out of the garbage and then she's got a sniper little kokand deals or a little plastic appreciates John I mean you look at this stuff like do you have compassion for these people to deal with that stuff I don't either okay you're part of the Human Race Wendy do Dana Bid I do not do tanning bed I do the self tanner I do the lotion and that's the way to go that's just the way to get up I will not I areco Climate Psychology Alliance Co founder Adrian Tear has appeared in he'll love that is one that is one headline that I tune bose then put it in there under protest I've got a half a jar of pasta sauce and I'm like I'm not dumping she's an uncle terrorist like she'll go fish my stuff say like jade's big use the recycle bin at your house yeah we yeah we got one we use one because jade makes me like Jada wash the plastic bottles out Ethiopians is industrious enough and very thoughtful enough for your drive time concerns that she actually upload the audio portion of the podcast Yeah I love my job or laugh I'm not a fan out of the trash and recyclables you wash it off so that's why when I I'm not letting her and Al Gore dictate my life like I pay a quarter of this mortgage okay I'll ars on what you going car at limb moon shape and high school in Alabama their sex life yeah yeah thinking about Donald Trump now you're having sex do it to that point psychologists are now warning eh like six inches long and it's just dangling still looking adding Alabama highschool removes bathroom stall doors stop kids from vitamin ever seen you and out houses gained God node visor oppressed yeah we're here somebody sits around and thinks this stuff up were studied the census Steve That's what they did they studied the census they found out at tanning player and all they have is just these little grids these platforms for you to put your feet and there's just a hole in the floor l. let me tell you something it's just all over the place okay I've been in some of the masters bathrooms nastiest bathrooms on the plan and I can remember being in Moscow outside of Moscow and a little down Jalen rose India and we were in the schools uh had a friend of mine years ago he tried to wring his neck is the first time you've ever been done right and so we told them we said we'll just take the head put it between your fingers just pop it like that now on so he wanted to play he felt like it was being mean to do it fast so he would just like pulling on it like slow and it was still alive and blinking and looking and so what you do of course it's what you do oh mired is are you wring their necks what is wrong with you I might what you do like that or you can hit it on the barely your gun stand on my lawn that's what you do how did you feel bad the first time you did no friend of mine I heard on the bird to choke I this is September in Texas I'm shooting all the birds by on there it is shoot occurred and let's say you wing it and it just looking at you with a big oil drop is you know you pick it up and you can hit it on the heel your boot eight that twelve games boom get on my grill but that's a more humane way to die I guess unless I don't kill them outright and I think I had to go there knock their heads against the barrel of the gun they poop when your buddies looking at the boardroom you get stage fright when no way with an open shower except there's a hole in the ground you step up two steps Ding Ding you're up there turn around feet on the little on the little tracks and squat right down and it's wide open for God and everybody look at you doing oh and I mean you don't talk about privilege in America now heading no paper available sneaking off the vape every day did you hear that kids are now eating vape cartridges heard that don't make sense to me I don't know what that's going to do for you I don't here's a few he's GonNa kill someone with this thing okay this is in Honduras is going to make you poop stick I'm telling you man I've Lost Weight in Honduras sit down there thank God for Finnigan men knocked down stop putting things in your mouth kids tide pods vaping cartridges same people who want us to lower the voting age so they can vote I know you remember like when your kids were little I remember my everybody had their bag their stuff and everybody had to carry army duffle right so in in what we do is we would make sure that we cared a five gallon bucket and a toilet seat on a cork back there in Maine economy twenty nine I mean how are we supposed to do this. I had an Amoeba once in Mexico I got an Amoeba I got dysentery in Nigeria twenty they don't take yeah modem don't take the ammonium the diarrheas your body trying to get it out so let it go and I'm like what are we supposed to fly back home like we're supposed to sit seen right here is going to be on one of them Wiki Wiki feet deals with Sarah Gonzales he keeps post and look at it males and three days twenty hospital no I did not I was traveling with with doctors though we were nowhere near a Nigerian hostile like want to eat the Lincoln log them in the mouth and the Lincoln log of flying across the room. I never did that you would your kids never been disciplined ever in the whole life he's spoiled the boys room in Alabama because the high school took the doors off they ain't GonNa let you vape don't be vagrant kids US Florence Alabama near muscle shoals Wafa forty-eight reported on this thing you go into a little outhouse because it's that or you can squad over a hole in the ground and we would just sit on a toilet seat that was on top of the bucket and that's what you do but you got a little water in there that you I had a childhood stole in front me look I mean it's climate-friendly well you got these they had one thousand three cases of Salmonella this year one thousand three cases around the floor Walthall boom there it is it's the way it goes man that's like I listen to what we used to do in Central America Honduras Guatemala title they knocked me out with Finnigan and a slept for three days after that it was terrible man I was was bad and I had to keep going out to the outhouse all night long it was brutal so anyway don't mind smoking in but master what they want you the CDC this is where your tax dollars are going America they want you to stop kissing and snuggling chicken because if you get Salmonella eight for money wants to continue to say here's a fun when the CD Think Center for Disease Control in Atlanta Georgia that's all we had was a five gallon bucket and a toilet see just the just the seat and what we would do you get you a little bit of water you put it in the bottom of the bucket so we traveled down there and we would take army duffle bags with us right and so we would take all of our medical supplies and everything they're all stuff that we would need we take a lot of people down there with at this dude keeps posting pictures of her effete wiggins being shot I'm going to give them the screen shot this guy said could you low key send me a picture of your feet they want Americans to stop kissing and snuggling chickens thing in America this is the thing in America Salmonella cross the US including two deaths because everybody wanted to got is they got they got these pet chickens in their backyard and people aren't washing their hair hands after the kissing and hugging on the chicken and then they let the chickens inside their house and like yeah it's a real deal CDC's on his thing pickens are not cuddly one of the most unusual don't kiss your backyard poultry or snuggle them and tell them when you face or mouth and that's why I don't even start behave he's about everything else what I'm saying is that is the essence of uncooked chicken and you kissing on it that's disgusting a chicken is nothing more than a rat with a good reputation people I'm telling you they nasty you know pooping right in the water chain sling it out and it don't it don't scuff up inside of your bucket doesn't stick Nah don't stick right because trust me you can eat some things up don't do it did you know that scientists have created plants that produce breast milk sorry Yep human if ABC divers like Oh man don't take that don't take that the stuff that courtship don't take that weird crap this research deal new infant formulas at present contained anything mm chemical structure of human milk fat which is a major component of breast milk de so they they wrote this up the proceedings of the national academy science it carried out a Roth instead research one of the oldest agricultural research institutions in the world in Harpen hurts Dr Crazy quit smoking quit and stuff steve wants to sell pictures August yours poo poo okay but at least if they're in your home page let me take you back let chicken house what did they do run around droves Carina right in an exciting development the study could have implications for producing better infant formula which is more quickly absorbed by babies they make an assault Vegan. I am no I like that I like that I'm sorry I know you know what I'm not sorry I like that because babies are supposed to drink that's why I know I know a couple of Spanish phrases you ready to say yes open your mom and scuba spin because we did West dadgum medicine the over the counter stuff as not now we tighten up where you can't we kill diarrhea human human breast milk they're not supposed to drink cow milk that's for baby cows you're not supposed to drink soy that's what's best for them so they have made that milk out of it I think they're good with what they're getting out of it yeah I think the THC probably tops the mall same structure virtually all other organisms don't have see first of all I'm sort of glad turkeys invading because like me you can you can go out there and get into some of these European countries that are doing this but the main part of them are you cuddling chickening your backyard is the a bit of row uncooked post like that is the able for us yeah it's a lot of people are like oh I have all of these digestive issues usually it's because they're intolerant of the milk and they don't realize it folks apparently you apparently like almond milk how do you get almond milk right show me where nipple is only only I and I don't get it but apparently this soy milk and all I don't know so here's the deal I'm GonNa read it to you because it's crazy they engineered the plants to produce an oil that has the same much dental work together we pull his teeth thrown down you know what look skinny chickens they come around and eat teeth and that might guess what was dinner chicken and rice it's nuclear good news for you saying you're not reading it if you're reading it at Luda here we go yeah they should they should never put the word `nuclear in George W that would be the Kurds do you think Jean thing looks like Winnie the Pooh absolutely he really does he does he gets pissed off at that I would do if I looked like winning the happy how does is create breast milk from plant milk we a party you got exchequer nasty may tickets or Nasr but the CDC don't don't hug on your chickens now I don't know how many of you get chickens snuggling with you sleep with you armed with that if they could figure out a way to get milk out of marijuana plant that's big business steve the same structures human milk fat no plants do in very few yeast fungi or microbes do either my hope is that if we can find a cheaper methods to produce fat the more closely resembles the structure of human milk taste store back to Honduras we used to be down there we'd be have those villagers come there would pull their teeth right we would work on them do dental work on puller t thought of teeth down on the ground oh he gets pissed off when people point it out well would you want people pleading I loved George H W Bush used to troll Sam Sam fat then it'll be an ingredient more widely using infant formulas at a lower cost could improve infant formulas in the future so hey maybe you're right maybe it's a good thing to switch weird it's saying I believe about Air I can say nuclear but I have to think about it nuclear mixed with snow not another you in there ah but he also said nuclear nuclear well w did that real good that's not why he can't even ask a later he calls it an escalator to make fun of but maybe it's a good thing thank you so don't invade them Turkey it's not as weird one stay out of re restor Damrau Harak and Kerns and hurts president I love him as a person control I'll give you know I love him as a president but like I just looked at him and I want to pinch cheeks and how to deal with him or something he just seems like he'd be for Ellen Degeneres too I read his book doesn't really yeah I know I like her too you know he felt like he had to say that now late nasty there's nothing wrong with rats yeah there's they nast keep each pupil billie their pupil Yo boo boo all too oh grandma secret about him that I'm not GonNa that's you can't just say that in the not tell us who actually upward really not an interesting little turn on the right really cares nobody here now because I don't care if you sit with lady Gaga I don't care if you sit Sam Adams Hussein 'cause you know that he was sitting there going my name is concerned up they know he thought him Tatham Josh Rice the eating the same damn chickens that were eating stuff right there and every now and you find you a little Mexican or Honda Tooth and a rise it was gross that's pretty with name somebody we don't like Lena Dunham I don't care if you sit with them I'd sit with Lena Dunham which yeah why not if it's a good seat at the Cowboys Gay Ellen Degeneres thing 'cause totally bomb-blasted bombastic for sitting next to w but nobody ever came out and criticize W for sitting next to her hey sexy time show me your feet yeah like those if I get him Steve Cinem- no one will see what my oath defeat request something that has the chemical structure we just talked about an episode it might not come up but I talked I did the whole thing and you heard me that how milk is bad for you it is it's Leeann make me want someone that planting again who nasty instagram this is good news for you circus instagram for Bush teleprompter couldn't even believe it out they put it in a nuclear nuclear nuclear love him do I love him it gives you right on the mouth will slip Deng I'll do it I I don't care I am confident in my manhood I don't care now I will not kiss a chicken and I will snot snuggle with raw poultry but Lanao new feature it's a stealthy little filter it gets rid of the comments from cyberbullying so people are sending you the stuff about like your your feet and like hey it was like if you'll meet me in Denton Texas I will give you the best that you've ever had in your life shot up it and this was and it was not the foul not a bit between her and Oprah imagine the stuff they could give me the stuff thank you what's your into right there but that's funny now what's yeah that's what they're doing new studies found that the U. K. the less accepting of workplace tech is less accepting of workplace tech when compared to other countries according to the Telegraph Force for me yeah they were told the story over and over 'cause I get I love I love all the gays I love the gays I love all my Alma man search by Montfort University Day on for in a life chester found tensions between humans workplace robots created because British employers don't explain why breath or I mean if they sent me some kind of message like that if they pretty me excuse me Steve you're not esteemed enough to be on wicky feet okay that's fair argued get drunk enough to like Lena Dunham that's fair Samantha B a Beer Bong is Lena Dunham keeps close on she starts taking her clothes off you wearing of Lebanon's and guess what maybe you'll be on you could be on Wikipedia it was weird I shared on something the other day I don't remember what it was and let me tell you the gay men came out in full I I'm just saying it was way way way better than and so I mean he was kind of Hang I've had is it are out there you know who you are not the woman who you are you there okay but you know I love all the gays and I don't I don't care what you do but let me tell you yeah of course the powers that be say you know they're not gonNa take your jobs of course they're not fire the Motley capital Sydney messages quite regularly and their fans or whatever and they're talking about you know I've got one that calls me his facebook boyfriend and stuff like that and then I had one guy and I say that of course tongue in cheek because because I got so many gay friends at one of the on the down low they want to hook up but it doesn't just a thing that I deal with and I love you I kiss you right on the mouth you know I will what's going on I g here that you know the people that are building the robots in the UK they're sabotaging the robot so they won't take their jobs talk to me I like I like hearing all the criticisms fuel yeah you gotta ask for permission seeing so you spend ten thousand dollars on a robot and you still gotta get permission Steve Matt Lauer would never be down for this okay who doesn't a fan of the idea of something that could squeeze you to death decides that it's showing you now I mean you got to get consent from your robot mistress whatever that is out of it yeah I mean you remember blowup dolls that used to come to the house and and you're like correct it on generous as a total phony she she would she would she wouldn't Piss in your ear if your brain was on surely she would she doesn't care about you party give you anything Catholics and the Jews you don't realize how much they give you like they gave me I have a Catholic wife so yeah yeah that's what she is I can have a robot just sit over here and you know what else talking about censorship let's say you WanNa you WanNa Rosemont yeah robots don't you stay Sarong man like paid for it she's well if you marry her she's going to be too tired and no here's the thing like okay let's say you buy a prostitute that's good wife here they have casino a love Hate Metal Steve at watch Chad Dot com I don't even care they're using them so they don't like them so they're sabotage I mean I don't know if they're hitting them with a hammer cutting wires or what they're doing they don't want the robots they're afraid you're gonNA take their jobs right thing so anyway well that's good that's great that's great shadow van it just gives get just since Oh my we're thing right right like if you go to vegas that you hired prostitutes like I'm supposed to get what I paid on right now election he gets a conscience says you know that's a thing did you see that there that there were also sex robots who are being programmed to make sure to give consent the big Yetlis man like like I got I got plants they're giving me teddy milk I got robots got by one of those robots and she'd be like my period I have a headache hundred fluid and you got like unfolding to live and yeah that's a fact that's why I went to church with her because they drink casino night Samanta mouth I've done it with Steve that one time I can't remember I have I have guys improve people's experiences because they hope that it's GonNa make users feel more comfortable to share things on the platform because it should feel less like a cop alinksy sitting over there smoking a cigarette on yeah now turned on Oh that looks interesting how much is that three hundred dollars they don't do that on the top shelf the great American Challenge Party time tissue so in other words if I get ten thousand likes on something because I have four million followers will then you know party fouls shouldn't feel yeah they don't recognize our marriage no do they not do they not the only Catholic about your wife is how much communion wine Schmeltzer Yeah I WanNa go out twenty eighteen get imagine like you know them finding you and your she's still holding on the Catholics but you scared to talk about a robot I don't offend the Hooker community your hooker see you don't WanNa offend anybody mouths in that position we all know you've all seen some of us more first hand than other you gotta get up your nerve now you order the crazy man party consent facebook's hiding your likes by the way they're trying to do that they're doing it in Australia because they went to improve think about all that but yeah but now they those robots man apparently there was a system flaw in them they can squeeze you today you can't get them off of that's how it ends Ellis because he got seventeen likes and he's got eighteen hundred friends but finally got seventeen likes within a certain time I'm deleting that getting off of facebook causing problems also want you to feel more comfortable not only only competition thing we want you to share more yeah we want you to share more yeah people in our life oh gosh out there's sorry what cut them out alive stop talking double says book quitted there's a reason we put the podcast over on a youtube because killing us may I also love I mean isn't this also a low key admittance that like their platform is the hackers took over there google nest and they raise the temperatures in their home and blasted vulgar music in your roommate walks in the never happen to me you really described that this is what happened absent menstruating hell world we live in we thought that dude at Wannabe chicks was weird you still want to get matt lowered just talking about it look in my living room right now everybody from their phones of wellbeing they're hiding your life counts don't you hide my light countless well-being because we're going to gather feedback understand whether this changes the Milwaukee man hackers broke into their smart home devices raise the thermostat blasted vulgar music This person gives me the chills John I've done it before facebook every time we don't political cowboys facebook page we put the blaze media links on their blades dot com and let me tell you they I keep getting getting tagged they're saying we're using click bake not use a click bait at all we'll give you the news article this there that goes along with the thanks to stop it crap off the Internet used to go in the store and actually ask for going to take some of this some of this and show up there you don't think I'll have me one this looking right at my junk where you at Edward Snowden that is a weird answer but as nic so weird routine that you had matinee hosting something and no one cared about you and you didn't get any likes I can't person can't stay one more story Stephen this is what we need to do at the airport bar with my bet she would have probably oh yeah I mean do you not think that these things are listening to your information and paying attention to your conversation the somebody started speaking to them through their kitchen security and that's deleted her twenty twenty three thousand followers discriminate she had a good following how much did they want for it looks a thousand. NSA can't go in and look at you through your computer through the camera this there through your cell phone I think about that sometimes when I go out of town and you know my my pattern is as soon as I get into to paint you hear about our buddy rich Wilkins happen to his wife I heard that her instagram got hats hostage they held the anyway but hey the dude even changed his password and they still continued yeah Oh yeah wow money wanted to pay money to get it back so she started a deal where was it steve like Saudi Arabia Arabia money and then they ended up deleting it tale room whatever city I'm in like I gotTa feel the space so I got to take off all my clothes you know and then sometimes I just lay there and be checking my twitter and I'm like you know the cameras rate the morlocks we get the more you're gonNA share makes me feel better I mean unless you're someone who's sharing stuff that people aren't liking a little just to go Java Bridge Apparently Anyway don't get hacked people don't that's just some of the crazy news is out there on tour I told you tomorrow night to Morrow Night Tulsa Oklahoma we're going to be in their bringing in your territory gotta get in there Steve's got to go take a shower they gotta lie on the bed naked for a minute it's kind of weird I really don't do those things repair I had we had addison plan before before way before I mean that was on the calendar so Michael Office Brian Hainer I paid that you would have paid screw adequate money it's not that much money for me and you I mean we're wealthy you know so it's a lot of money for me I'm not well for a little while and I'm like okay I love this product then they pull out and I'm like we're having I hate it when they pull out out me I can do that at my house I could there in the living room I talked to them trying to get your wife to flash me the other day she was walking through the dense she wouldn't do it if you hadn't been sitting there it's a cool just told everyone where you're going to be there it's going to be after party I'll tell them from onstage we're going to be at the Mayo Fun stuff coming out you gotta get naked I got a feeling of space I gotTa feel I gotTa get my twig on I mean you can feel the space take me a little Poop uh-huh car me we're going to be there addison also down in Houston so the Improv comedy club come over there hanging out don swing by you never know hey we got bad you really do have done it before probably shouldn't have posted that nobody likes it you'd have to that's bad because facebook once you delete and things ought to be at a you're going to be on the matlock show I'll have some years for brunch beer for Brunch co-hosting matlock show every Friday until he fires them chat prater will advertise whatever you want for money that was advertising some folks and having a good time with it and then like I hate it when I find a good company that I like and then they're like oh well we're just GONNA do a little trial your whore Saturday night we're going to be in Wichita Kansas come hang out with us what's the name of that theatre the orpheum orpheum orpheum we're GONNA have good time out there and then of course next week Houston Addison Oh there is no toilet paper and America is concerned the SJ WS in America are concerned because they don't get free tampons in the men's restroom Yeah of course
Ep 271 | How to Pull Down Statues ... | The Chad Prather Show
"Party Tomokazu another episode of the Chad Prater Show here from studio, twenty two mothership with the puppet master Martin driving us. into another regions sitting alongside the lovely candidacy queen of the. Who not only sits upon the throne, but wears a crown halo. If you will an effervescent glue look at her, she just shines Herbert. The silent deer looks on with the same look of shock. Adleman the truck hit him. Part, how is in the pub taking? Selfie, I was taking a Selfie I'm not any longer allegue a little square smile, Hewlett! A fake when? It that. He's going to. Do, you realize molly. Just Double Channa got Natalie government. with a beard. And grow and this. Is Horrible guys. It's horribly glorious. I think I'M GONNA. Do like that today I don't see. Why are you turning your nose up Natalie? You from. AM! I just think it's time to go, is it? See that's what's not going. Quite Lona. It has gotten to that point Natalie. It's gotten to that point. It is pretty don't care horrendous. Care today that was yesterday. Day. Care Day care about everybody man. I'm joining the 'cause during the kool-aid joining the 'cause I. Don't know what caused by. God I'm joining it. Yeah. Yeah. We're GONNA. Get into a little bit of off the rails. I WanNa talk to you a little bit about history. Today. History cover couple of headlines as well. You, know history I made a comment. The other day I don't think it's necessarily a new thought of scenes similar statements to it, but I tweeted this day before yesterday where I said. History is not for you to like or dislike. It's for you to learn from and see. We're at a point right now where we're fighting history because we don't like certain aspects of it. Will people have always been people in the funny thing about it is hundred years from now. People are going to look back on this date in twenty twenty, and they're not gonna like our history either. Be Things about it Who Was it Gosh? Gosh Gosh who was at Dadgum it. Wasn't Winston Churchill the quote he said Oh Gosh I'll come up with a second can't out how your was white? Who wrote history? It's I don't WanNA misquoted. I don't want to say it and then misquote who said it, but yeah, basically Somebody said that history is written by fail novelists. Basically just who can Winston Churchill did say I think he said that you know, history is just when you tell enough lies that they get. There's enough of that you just starting to believe him. Up believe that I believe, there's so much fake history up there anyway, but over hundreds and thousands of years would shock you. It would shock you like for instance what if one hundred years? The history was told that for right right-leaning conservatives that the reason we had a problem was because we wanted to defend confederate statues, because we really hoped that blacks would still be enslaved. See you could easily create that narrative right like if you defend confederate statues us because you still want to have slaves. To some if the right person writes history one hundred years from now. Maybe they believe that about you know. White Americans that were conservatives? Just depends on how you tell the narrative. I'm dangerous like the statues and stuff I'm not cool with having the statues. but do they need to be the you know cornerstone of our, you know. Our. Federal Statues of ever been the cornerstone of a community some people. We're GONNA take a break, but let's talk about that some today. Because I have some thoughts there and I've had a lot of people who have asked me to speak out on this issue and I'll do it. I'll do it from a historical perspective. Okay I'll let history speak, and we'll talk about it I. Express VPN a love. Those guys is on my mobile device. Just hit the button before I go online. It's that software that you know. You Got Thousands of folks out there. That watched this show. They use it every day to protect your online data. In the time since I started using express VPN. Hacking methods have just gone crazy. They've gotten more sophisticated into people out in la who still carry the old blackberry phones and stuff because they're afraid of their phones, getting hacked things like their iphones and stuff and stuff. We take for granted, but it happens and I'm sure that many of you are working from home these days. You're on your computer you don't WanNa, pull a hillary. Clinton and have things disappear right without a good VPN your it. Department is not there to protect you from online threats. It's important you take action on your own to secure your devices that you use for work. Your personal stuff your finances, all of those things. That's why I want to recommend you. Use Express VPN for the best online protection. That's out there. I've been talking about. Express VPN on my show for so long. That I know you already understand why. encrypting your network data is so important, but some of you still haven't acted. Acted. Go get it. Go get it. You might be thinking that security threats don't affect you personally, but not using express. VPN Is leaving your storefront on lot. I mean you might as well just leave the door. Just leave the door wide open for people to come in and take your stuff. It's Tom that you do something about it. Maybe you can go years without anybody stealing anything from you, but when it does, it is going to be devastating one of the easiest ways to secure. Secure Internet data is with express VPN. You can do it right now. One Button, click right there on your computer, your smartphone and your protected. Somali questions. Why done it yet go get expressed VP and visit my special link right now. It's express V. Dot Com Slash Watch Chad. Get an extra three months. Express VPN FOR FREE I'll get that for you. Protect your Internet today with the VPN I trust. Keep data safe express VPN DOT com slash watch chat and we'll be right back. A H Minkin. Totally screwed that up on those quotes, he said historian. Novelist I was GONNA say Napoleon Napoleon said that it. History is a set of lies agreed upon. Or Fables Okay agreed upon. And then Winston Churchill said study history within history is all the secrets of Statecraft So there's some really good things out there like I I tweeted something today. It was a quote by I'll just Huxley and of course then all of the crazies knows yesterday. All the crazies came out. And wanted to you know. Jump My, but you've never read. Al Just Huxley. Who Gay? I, said His quote says that men do not learn very much from the lessons of history is the most important of all the lessons of history of history. We don't learn from it. You know we know the old adage. If you don't you know you don't know your history, you're doomed to repeat it. And we're seeing that happen. We're seeing played out. Right now, and it's really a sad situation. I firmly believe have I, said this I firmly believe that if The ancestors of most folks out there who are claiming to have all of these problems. Could see them today. I think they would say shut up. You really are desecrating memory. Because, let's face it. The people who were brought here on slave ship who were sold by their own people captured sold. We talked about this last week whether you offended the chief whether you are a prisoner of war Whatever that you are sold off? To slavers in you came here on a ship you then you are sold on auction block. And brought to some plantation, both in the north end in the south, so we're not gonNA. Delineate from that is was an American. Tragedy. That was a horrible thing. To for a man and a woman owned by another man and woman tragic thing. That is the epitome of not having any rights. Versus What so many have fought so hard to give. The black community in America today. Whether it's you know we're coming up on June eighteenth. You know you have the the false accusation of rape that happened in Tulsa Oklahoma. In nineteen twenty one that led to a wholesale slaughter of the black community and burning down their buildings, and just a horrible atrocious thing that happened in Tulsa Oklahoma. To now you're burning down your own communities. You know that was the that was a horrible event, but it was the impetus. It was the seminal issue that started the civil rights movement. So I go back to Romans eight that says all things work together for good to those who are called according to his per who loved the Lord or call according to his purpose. in you take that out. The all things work together for good. If I gave you a bowl of flour, and some raw eggs and little spoonful of Vanilla. In on him, saying and bowl of sugar, and all those things and I said here's a spoon and eat all that stuff. None of it would taste good, but if you mix it together made a cake, it'd be delicious. Because all things work together. For good you. Eat A lot. Sanjay Mama peeves over there getting hungry. I am not Angel Momma. So you got you got situations. When I say this yesterday you have obstacles climb on. US The obstacles of history to make it better. You know I wanted to do this whole segment on history because. Very passionate about this this fact that these were real people. You know what I mean. they lived and they died. They feared. They rejoiced. They celebrated. They said happy birthday to one another merry Christmas. Happy Hannukah they spun the DREIDEL. They decorated their homes. You know they got a toothache. They stopped their toe. They got mad. They had fights with each other. They with their spouses. These are real people. They struggle to figure out how they were going to pay for their home. You know. How we GONNA make. These were real people and they were caught in the middle of these macro circumstances. That invalid them in history, and now we define. Generations of people according to the umbrella they lived under, and that's not fair. I don't believe I don't believe that's fair I've always said you have to judge a person in light of the time in which they lived so. To go in back to your point earlier stage to go in and to start tearing down. Statues that represent a person and that person that represents a certain period of time in American history. I don't think that's how you endear one another as a community to each other right because you're in essence tearing down. a symbol to a heritage. The heritage that was not just about slavery. That was not just about oppression. lady antebellum. The Music Group came out and change their name to Lady A. Because they said antebellum represents a time period in the south when slavery was rampant, so we don't want to be offensive and it's like. Get a grip, folks. And they changed their name to lady a will. There's black singer in Washington who came out now. She's suing because she's been lady a for twenty years. You can't win. You can't win, so I, mean here. They were trying to appease the black community and you got a black woman suing you now, so you can't win with this whole deal. It's it happened. It happened. It happened and I'm telling you. Let's say we had a civil war today. You line up on your side. And other sidelines on their side and Y'all just go to killing each other. I can guarantee you beyond the shadow of doubt Natalie. That whichever side one? Neither one of them would reinstitute the atrocity of slavery in this country correct. Because nobody wants now. We're not there. That's not who we are today. We're not who are forefathers are why because we learned from his tree? We've grown from that. We got our own shit. We do that's bad, right? We've got our own stuff, but nobody in this country is saying you know what we want to subjugate you again because the color of your skin. and. I'll remind everybody that this wasn't southern issue. This wasn't a this was an American issue. This whole slavery thing and so to try to blame someone's descendants. you know what am I going to am? I going to am I gonNA blame. You because your great grandfather killed somebody with while he was you know. Riding his horse drunk and. Trampled to death, not GonNa hold you accountable for the sins of your great grandfather. That's that's that's silly. You know, and then it's just absolutely silly, so my big question. There is in got this article here that someone sent to me. as written by a guy named Mike scruggs, and he asked the question will removing confederate symbols promotes social peace. He says of course not. as as how long would a piece based on suppression of a People's cherished heritage last? How long would a piece built upon suppressing the Memory Valor and virtue of the revered forebears of a great number of the southern people last, what could possibly be assure cause of meant strife, bitterness and economic and political turmoil does anyone outside of a madhouse believed that peace and prosperity can be achieved by discarding the heritage of numerous people to gain the political favor of another. It's more likely to shatter all hope of peace Kenneth Society, said itself against tolerance and mutual respect and have peace. No fire fair-minded person can accept such corrupt reasoning. he's at I believe we can all be glad that slavery's behind us, but dragging it out year after year to manipulate voters both black and white, there's a strong chance of destroying US altogether destroying cherish symbols of southern. American heritage to placate lawless mobs is not sound judgment, appeasing one group by disrespecting the heritage of another is not the road to justice. The flames of manipulated hatred do not produce piece, but endless insecurity national destruction. Sort of agree there a might take issue with a couple of those statements, but yeah. I agree. Is it really going to bring a community closer together by there and doing what they do, I mean and by the way the guy they when they tore that statue down last week in the one hit the guy in the head. He still in the hospital in a coma in is flatlined twice. which is a sad situation, but you know this. This was not a peaceful. They didn't bring in the cranes in the in the professionals to remove a statue. They're ripping these things down as violent mob and this dude got his head mashed in. Where does it stop from that point? I mean the. Statue of Liberty was here in. Eighteen Eighty S. Eighty six or some win it. Stop it! It doesn't. What are you? GonNa tear down. I mean. If you'RE GONNA tear down statues. Then! Let's tear down all Harvey Weinstein movies. Get rid of all of them. They shouldn't be aired anymore. Don't put them out. So or or I mean most People Watch Weinstein movie now. Another watching Harvey Weinstein Tree Right. If you watch one that means you're Yeah, you years. To, rape and harassment, and all these things in you're guilty along with Harvey Weinstein so to assume that into say that is Asinine. It's just dumb. There's no logic behind that at all just innocently watching a movie. Right I'm not I'm not condoning Harvey Weinstein's actions, so if I have a statue to to someone like Robert e Lee, who was a good man? He was good man. He was the best general in the civil war. Abraham Lincoln wanted him to lead his armies, but he could not see himself fighting against his native Virginia. And everybody wants to make the civil war civil war all about slavery slavery was the scapegoat, and we could talk more about that, but slavery for the civil war that was. We're doing the same thing today you try to find these moral issues to Piss. Everybody off right when we all know. Many times have I, said the issue is never the issue, never the issue. See when you look at all of the this this justice for George, Floyd, and all these kind of things at the and then you're going to donate to be blm and everybody feels good because man. We're taking a moral stand. No, you're not. You're funding a political ideology by sending money to the DNC right you're not. You're not sending money to the folks who are protesting on the street to bring about a righteousness for injustice. You're not doing that. So in the same way, the north used slavery as the moral issue to get. Everybody fired up. How dare these wicked southerners? They have these people enslaved well. Let me tell you either wants. The slaves were emancipated the North especially Illinois, said Hell. No, don't come up here. We don't want the blacks coming up north. You know why. Same reason we don't want Mexicans. Come in here working in our factories. We don't want illegals coming in here. Taking our jobs that are a whole lot cheaper. We don't want to send all of our business over China. Even though they can get it done cheaper same reason in eighteen, sixty five. They didn't want the blacks coming up there being able to do it for far less wages. And, give them beat getting people out of jobs now oversimplifying the calls, but you see my point. Yes, they didn't want that. Because blacks in essence having been property, they owned nothing when they were emancipated. What did they do? They had nothing well. They had to go out and get a job well. Nobody want to give them a job. Why because somebody? That was white was going to lose. There's by cheaper Labor that's where things like slave wages. Come in. You've heard that phrase Oh man. We're just getting slave labor They don't WanNa do that. And we can go. We go real real. Deepen that and we could go a little bit deeper man. I'm happy to talk about the thing, but but don't sit there in. Hold yourself with your head high and say Oh. You know my families from XYZ part of the United States, so we didn't have anything to do with it. You don't have a damn clue what your forefathers had a part in. You don't know could have been a scoundrel. That was was perverse. Maybe rape children, you know. You have no idea how perverse your forefathers were. The sell something. Hey, working from home is driving up the worst type of CYBERCRIME. You've heard me talk about. Let's talk about us more home title theft. We're doing it all from home. These days work in banking videoconferences meal deliveries shopping. Cyber criminals are targeting your homes their online to actually they want the money. They can get by taking out a loan against your house. The crime is called home title, theft and FBI has warning homeowners you own title lock is how you protect your home from cyber thieves. Your home's legal title is online. The thieves go out. Find it for your signature stating that you sold your. Your home to them. Then they're going to take out loans against your house and leave you with the debt. Banks, insurance and basic identity theft serves as they do nothing to protect you, but home title lot to the rescue puts the virtual barrier around your home's title. Protect your home now go to hometown a lock. Dot Com and register your address. If you're already victim of this this horrible crime, use Code Chad. It gets you a thirty three days of protection, and it's going to help you right now that code. Chad use it at home. Title Lot Dot Com go home lock dot, com offer Code Chad. Thorough! History. Let me give you some history. Major General Patrick Arc Lebron, he was an Irish immigrant with the way, the Irish for some of the most oppressed and enslaved people in History America. He opposed slavery. But he found fault with the northern policies that ignored the constitution. And laid harsh and ruinous economic policies on southern agriculture to enrich northern manufacturers. Remember. You remember remember remember remember. The North had all the industry south had all the agriculture. Mother is an antique dealer. You know we had a bowl. The sat in our house. It was a decorative is bowl. It was full of bullets. Their? Bullets from civil war. The civil war they were found in battlefields a civil war. You could tell what were the northern bullets in what we're the southern bullets. What was union? What was confederate? The Northern Union bullets were big. Southern Bullets for small. Why because the north had more resources to make bigger bullets? Their bullets were actually more lethal because they were bigger. Bullets made a bigger hole than the southern bullets southern that they had to. They had to scrape to get the research. They were an agrarian society. Right, which is why slavery was in the South as it were because those were that they needed the quote slave labor to. Make the Agrarian Society Work Right US just as historical fact so. Patrick Cleveland set. Every man should endeavor to understand the meaning of subjugation before it's too late means the history of this enrolled struggle will be written by the enemy. Other words whoever wins GonNa, write the history. That our youth will be trained by northern schoolteachers will learn from northern school books. Their version of the war will be impressed by the influences of history education to regard our gallant dead as traitors and are maimed veterans as fit objects of derision. It is said that slavery is All we're fighting for, and if we give up, we give up. If we get it up, give up all. Even if this were true, which we deny, slavery is not all our enemies are fighting for it is merely the pretense to establish sectional superiority and a more centralized form of government. And to deprive us of our rights and liberties. Which is an essence? What I just said a minute ago? Issues never the issue can't agree with him more. Henry Carey who was Lincoln chief. Economist. In eighteen sixty five, he. He wrote a letter. To House Speaker Scholar Colfax he said to British. Free Trade is as I have shown that we stand indebted for this present civil war so. What he was saying was. The British pretty much all through the phony northern claim of some moral superiority, and that was it. Was Charles Dickens? who was of course, he wrote Christmas. Carol, he wrote You know pickwick papers, and that's one of the things, if even in war or anything like that if you can undermine your enemies, whatever their moral object whatever their morality is when you can. Prove to your own people that their morals are just screwed up. Kinda starts there well again. You're against the barbarians. You have to dehumanize your enemy. You have to dehumanize your enemy and make some easier to kill. Yeah, right, so here's what Charles Dickens said. He said the northern and he was English, he said the northern onslaught upon slavery is no more than a piece of species humbug designed to conceal its desire for economic control of the southern states. He was anti-slavery. But he saw through the bull. He saw through the smoke and mirrors. they realize that. And you know slavery was an issue. It wasn't issue. Don't get me wrong, but not the moral sense. Most people have been made to believe. He says here in this article says northern armies did not march south to free slaves in eighteen sixty Lincoln and Republican election campaign clearly indicated that tariff issues were the most important the save slavery issue, a second, and simply to limit slavery to the South. This will be shocking. He says to those of you who only know enough about the war for phony political virtue signaling, but many northern states strongly discouraged bringing blacks into their states. Much of this was just a natural law of Labor Economics American war workers don't see their jobs taken. Our wages suppressed by cheap foreigner slave labor. So, he says the religious division between North and south is much more important than people realize it was related to the slavery issue, but more importantly southern clergy and congregation strongly believe that the northern churches were fast, falling away from the infallible truths of the Bible and being taken over by anti-biblical `ISMs replacing Biblical truth and values with purely human wisdom politicize higher values. You know the Song Mine is seen the glory of the coming up the Lord. He is trampling out the vineyard where the Grapes of Wrath or stored. You know that, right? You Sing it in church. Yes, okay well. That song was written by a union abolitionist. It was not about Jesus at all. the the Lord in that. Was the union army's coming to trample out the agrarian societies of the south. Glory, Glory Hallelujah. Glory Glory I went. To a school of the University of Georgia Queer Ironically and hypocritically enough, that is our fight song. that. We will go wild in the south of Athens Georgia on Game Day when they start playing it, but it's a song that has dedicated in the meaning of the symbolism. There is to the abolition. WHO's coming to trample out the the enlightened north the religious enlightenment north, who's coming to trample out the religious south. Christian south we sing it in our churches, hypocritically all the talk of pissed a lot of people off of that truth over the years. So I'm GonNa, stop following you. I. Mean You know that's one of my favorite sounds? Now. They're mad at you. Something I didn't know that. Lincoln Eighteen Forty Eight The right to succeed. It was taught at West Point. Even Lincoln agreed eighteen forty eight two days before Lincoln's election in November, eighteen sixty, the Charleston mercury summed up southern feeling, and he said the real causes of dissatisfaction south with the north are in the unjust taxation and expenditure of the taxes by the government of the United States and the revolution. The North is affected in this government from confederated republic to a national sectional. Despotism. So confederates truly feel the south truly felt they were being ruled over by tyrannical north. And the North had the power and the money and the industry to do just that because they were taxing the hell out of everybody they. Knew that. What were you going to do? Right, what were you going to do, so they went to. I'm not saying. Slavery was not an issue. It was an issue, but you got to remember. It was used as an issue to create something that that was on. It would put it on the surface to make it look a moral issue. We gotta go on there meet this atrocious south now. That was just the economy of the day. You gotTA. Judge People in light of the Thomson which they lived right. That was the norm. It was the norm in the north, the north the south. It was an American problem. It needed to be banished. Abraham Lincoln wasn't a big fan of it being banished. So, you can hold him. Yes. The first Republican president put him up on that pedestal. He was not for abolishing slavery in the Grand Scheme of things, but ultimately he saw he had no joyce he had to do that. Okay so. Make sense so far and all this stuff who? You. What what angle do you want to look at this thing from? Is Slavery atrocious ship, but see that's the point. Nobody wants slavery back. Nobody wants it back. And don't forget. They were southern they were. The, very first slave owner in America was black man. He was a black man. I can't tell you that were there. Were there were at at the time of the civil war, eighteen sixty, there were thirty two hundred black slaves owned by black slave holders. What about them? Does that mean? Maybe you're descended from one of those slave owner I if you're black. You! You don't know because you can't trace that back. You're not gonNA trae setback. Does that mean that? The black community needs to pay reparations to the black community now because you own them to? You own slaves. It's a little sticky and gets a little tricky. We'll give you the statues and second. We'll be right back. So, when you come along, and your solution is to start tearing down external things I said this yesterday, but you don't deal with the issue of the human heart it. You've just torn down an external thing. But by by tearing up a symbol that represents someone's forefathers or someone's heritage, and it is our heritage. The good, the bad and the ugly, still southern heritage. Right. The North was no less guilty. Right, it's just like having northern heritage. How many people live in the south now? Roots are not in the south. Okay, we are a hodgepodge melting bowl of mixture from people from all walks of life. There are people who are Americans natural, born Americans whose forefathers in grandparents. Other countries. There weren't even here during the civil war. They weren't ever any of it will because they're white though they're guilty. Well that's thing. That's where we've come to is is it's about well? You're guilty by association and the Association just happens to be your skin color so obviously you must have been. Most of the folks in the South I mean look if they were so oppressed by the North that was industrious in eighteen in eighteen sixties. EIGHTEEN FIFTIES AD Sixty S. I thought they were some rich plantation on an. White folk down. There had all the money in the world. Now that we're poor. They were broke, so the average person in the south have enough money to own another human being okay. Let me say this to is atrocious and let me just. Preface everything with one about say. About say could be taken out of context and be taken very wrong. Slavery should have never happened, but it's been happening. Since is recorded, history goes all with that. We we've got in Mesopotamia Samari. We've got some Marion writings. They go all the way back to like thirty, five hundred BC, and they were slaves, right. There's no you know What's his name? DUMB ASS? It was running Tim Kaine that was running for vice president alongside Hillary Clinton said that it's an American problem because Americans invented slavery. Jesus Lord, have mercy. That's the dumbest thing. Don't tell the Jews okay. Don't Rem I don't I don't know what they were doing in Egypt, but don't tell them that it was an American thing. It's anyway. We had this idea and it was atrocious, but we have this idea of believing that. By and large everybody was tied to the tree and whipped and beaten within an inch of their lives, and we just killed them at home. You know whatever ad hoc whatever? Foul went out and bought a brand new car brand new work truck. I'm not going to beat the shit out of it. Small Work Truck. A needed. If I, don't have a work truck. It can't go to work. So while the atrocities happened. This idea. Has Been Written in history though of widespread. This widespread idea that just everybody was abused. Then tell me why world when they were emancipated, so many former slaves decided to stay. Where they were. And continue working for their former masters him saying. You and just stay now. Families were separated children. Husbands were separated. It was atrocious. It was horrible, but this idea that we're just beaten within an inch of life. How? How in the world am I going to have? Prosper my farm plantation if I if I'm killing my workers. You see what I'm saying on this so this idea of mine largest saying it was all. It's inexcusable that anyone would ever own another human being inexcusable, and that will never ever happen. In America ever again by anyone because we don't want that, we've all grown from that. We've all seen the atrocious ness of it. It's a horrible thing and we're just not going back there, but he says in this, he says. The political correctness that surrounds all this. It's not politically correct for me to say any of that. You know. So send your hate mail Steve. Political correctness always reminds me of the hysteria surrounding the Salem witch trials of sixteen ninety two were innocent. People are executed on the basis of visions or dreams of their accusers. Many were condemned to death, because an accuser had test fantasy, the quote specter of the accused doing harm or witchcraft hysterical young girls pointed a finger whomever they claimed was a witch, and it was taken as credible evidence. Many of the accused were tortured until they confessed to witchcraft for much of sixteen. Sixteen Ninety two allies ruled in Salem. Historical perspective later showed that many of the nineteen alleged witches hanged in one tortured to death in Salem, or not only innocent, but among the most godly in the community, a substantial number of the accusers had unsavory reputations or suffering acute mental illness. Other analysis indicates that and long standing grudges in Salem Society played an important role in this tragic miscarriage of justice. What has Salem in sixteen, Ninety two got to do with Washington or Minneapolis. Politically correct lies and moral cowardice seldom result in just government often result in totalitarian government in our modern culture. The lies usually come as political correct falsehoods that must be embraced as truth to avoid social condemnation and likely. Penalties. What you say Steve. said he actually. What a great idea! You can't speak against. It was. It's a brilliant move i. mean you gotTa accept it or you're going to get condemned? You're going to have economic penalties if you don't embrace blm. Those drive hard to meet the truth. Conflicting standards of political correctness are especially prone to historical. Hysterical condemnation of the innocent. The scapegoat is condemned to avoid offending the sacred cow, which is often an important false historical narrative. Man Let that sink in that's powerful. Quote civil war. History has always suffered from a high dose of Union. Propaganda about the causes of the war, but the current dominance of Cultural Marxism which is political correctness in American history, and especially the civil war has served a hinder any profitable discussion of many important, easily substantiated truths that strongly. Contradict the politically correct narrative. James Power Smith the last surviving member of Stonewall Jackson's staff, nineteen, thousand seven, he said no cowardice on any battlefield could be as base and shameful as the silent acquiescence in the scheme, which was teaching the children in their homes and schools at the commercial value of slavery was the cause of the war. That prisoners of war held in the south, were starving treated with barbaric humanity that Jefferson. Davis Robert e Lee were traders to their country and false to their oaths, and the young men who left everything to resist invasion to climb the slopes of Gettysburg and died willingly on one hundred fields where rebels against a righteous government. Robert Dabney at annual commencement address delivered June, Fifteen, eighteen eighty two hamlets Sydney college in Virginia, It was entitled the New South. He said it behooves the new, south, In dismissing the animosity of the past to see to it that they retain all that was true in its principles or ogling in its example. There are those pretending to belong to this company who exclaimed? Let us bury the dead past. Its issues are all antiquated of no more practical significance. Let's forget the passions of the past where the new world it's new questions along concerns I rejoined. Be sure that the former issues are dead before you really bury them. Their issues that cannot die without the death of the people of their honor, their civilization, their greatness. Take Care that you do not bury too much while burying the dead past that you do not bear the inspiring memories of Great Patriots whose actions whether successful or not are the eternal glory of your race and section, the influence of their virtues, the guiding precedence of their history, you better, the names and memories of Jackson and Lee, and their noble army of martyrs. Will you bury the true history? Whose years are those the God of truth? So there you go. That was said in eighteen. Eighty two. You know we're living in. We're living in that age. We're living in that age. Were unfashionable truths, reason and plain commonsense or powerfully suppressed by vicious forms of political correctness and economic coercion. Orchestrated lies permeate and can contaminate academia and media. Evils called good. Good has called evil and Dabney, and in that same speech in eighteen eighty two said if the memory of the defeated had no rights. Historical truth had no prerogatives, if it were the same to you that the sires whose blood fills your veins, and whose names you bear, be written down as traitors by the pen of slanderous history. Still it is essential to your own future that you shall learn the history of the past truly so be careful when you start trying to bury the past. We start tearing down statues, doing things like that because those statue stand as a reminder of both the good, the bad and the ugly. When you tear down history, you don't learn from it. You, don't learn from it. And and and now we in I will say to the other side. You got a lot of sacred cows out there, but you cannot create harmony and peace in a society in a community by stepping on the heritage of the forebears of that community. You can't do that. You are creating another evil to replace the evil. You're getting rid of because nothing. Nothing remains a vacuum. Something's going to rush to fill it. When you do that, it's just gonNA be more hate. Be Back in second. I know we can't have been heavy on the quotes in this episode I want wanted you to hear the voice of. Fallible men who lived in those times. Gospel truth they're not. People were faith they fail. They're they're. They're frail. Their feeble, their faulty, and they all are the end of the day. I love you. Right I have I have no hatred in my heart towards any man. No Man that I know of I made I just don't have it. But to Vilnai's. History. Is Foolish it really is. It's a bad idea. Because, you're going to do all the same stuff again. I can't say enough. You tear down all the outward symbols you want to you. Tear down your own heart and reveal that make any difference. You Know Prophet Jeremiah said. The heart is desperately wicked and deceitful above all things. You have a heart of stone and God wants to give you a heart of flesh. It in that hardened heart until you pull down that stone. It ain't gonNA. Matter in ain't gonNA matter, so you can keep coming after the symbols. But until you get soft enough heart to love your neighbor as you love yourself. Not a bit of is going to make a difference and I'll say this the average American the average American this out there. They loved their country. They love their neighbor. They love the law. They don't want to break the law. They don't WanNa. Go to jail. They don't want to spend their life incarcerated. They certainly don't want to go to war. With their neighbors, and and you know, how will history judge us well, it's up to us. what are we going to do with these days these volatile times, but I always say again. Use the obstacles to to make all things work together for good. Love. You love you. Love you of you. Love you guys also precious Levy Herbert. And I love you guys, thank you for watching. Thank you Shannon. I'll give you the shout out because you didn't get one. We were talking about the fact that the other day. Shannon deal she's a sweetheart. Go to watch Chad Dot Com and get all the good stuff, and of course go to blaze TV DOT COM slash Chad. You can use Promo Code Code Chad and And get the full catalog of all blaze TV programming. There's some good stuff out there. Some good stuff and you need to go and follow. Allie Beth stuck on twitter and look at her recent response video of the celebrities that just care and what we will do to stop racism and evil in the world. We Love Y'all God bless. We'll talk to you next time.
Ep 40 | 'Joker' Is Trumps Fault!
"Okay gotTA podcast. What's going on in America I am Graham Allen Melissa Allen I'm already on this thing okay all right so CNN reports right CNN verified account You know true news all right. CNN says the true of peel viewer who said that they thought that I'm not making fun I'm going to actively try to not interrupt you guys I lost my voice Saturday night and I've been recovering from it so this is this is what you get on this episode this is what it sounds like is responsible for the creation of the joker this is going to be a fantastic episode sit back relax and welcome to the newest episode of the Dear America retrieved man in the history of ever occupants Christian Bale I'm just saying and people are up in arms thank you guys for leading me into that Oh i apologize for cutting you off Missouri so I was written to the by invidious in there it is I mean invidious alright lies in its invidious validation of the white male resentment Tom is real I'm starting to wonder if I've done permanent damage to my vocal chords possibly and this is just going to become like my new I swear to you she did number one I'm bothered because I want to know their thoughts and number two I like monotone jake and Sweet Eliza so I super villain in the history of the World Hashtag makes sense to me how delusional do you have to be to say that a fictional character I'm pretty good speaking of Batman all right yes joker came out they said they really valued your opinions and she even said I also Love Your Beautiful Wife Lists is opinion and monotone Jay I'm kind of thing I'm going to make an active effort to not interrupt you tears day because I want you to feel like valued assets of the new joker movie lies in its individuals individuals is that the word I N v I D I o u s oh you are I would appreciate you not interrupting me all right anyway okay moving on no but on the series that helped bring president trump to power I guess about the joker movie yeah so president trump is responsible for the is because of the current president I mean think about that for just a minute it's a fictional it's not real and the movie is set back in the nineteen Oh wow wow you see ladies and gentlemen L. A. You Harp on me he's calling I will not answer it anyway I guarantee Superman the point is so how many of you listening to this remember when the Disney channel had like Disney original Louis or is it Halloween Halloween naturally more country you sound when you say Halloween Halloween elections when saying that monotone anyway happens going on this is our like introduction of normal life here for you guys so it's October which means that Halloween movies are in full of facts atman would have been a trump voter there's no way Batman would have voted trump all day la billions superman fi tag batman for life he likes the awkward silence says everything no it's not even remotely same ball move that would come out right so you had like the thirteenth year where that Dude turned into like a mermaid or something you had the luck of the Irish where he was a basketball player and he was like Leprechaun Smart House was one of my favorites under wraps was a good one my mommy mommy went the turn both done are you sure I'm trying to give you like that one. Two three counts chest pain Halloween Halloween Halloween following Halloween Halloween I say what does it matter Halloween opt everything and he said seriously guys that movie was awesome like pure quote unquote inflection like he was all lives in Halloween town which is like this place that you can only get two on Halloween obviously right so they don't know they end up going to Halloween town and then magic in there is again it's like Oh man this was a great movie and my son My middle son Gunnar I kid you not he seeing Aquaman he sees absolutely nothing elissa likes aquaman because we're able to watch that one with our kids because there's not a lot of a lot of Wayne it's favorite movie Halloween Sounds Country Halloween Hashtag America is it all right anyway it's about it's about this this family of witches right but but the kids don't know that they are witches because the grandma gallon whiskers guys we know but anyway so I'm going to make an attempt because I've got that two people are the day he's so upset sweet Elissa for a minute please sweet Melissa Yeah your turn would have been a little baby and light politically correct me up was why hate superman yeah I said America I hate Superman I'm happy it all out and stuff anyway if you were to watch it by yourself as an adult now you'd be like this is the dumbest movie I've ever seen the when you watch it with your kids you go and you see like the the things that they can't see it on mute yeah yeah so of movies and I know people are listening going you got lgbt Q.. Plus being shoved down their throats all the time what's the what's the what's The elephant or bear cartoon where they had the the gay wedding emergency strike you always see news stories of long lines of people in empty store shelves why are you always film when I do the ad rates the as yeah so I'm going to introduce them to that but the other day I introduced them to Halloween town Halloween I mean most of like the Spiderman movies has seen any Batman movies yet but I mean he's seen a lot of cool movies that movie ended and he'd stop I am trying to do an ad right now Eliza how dare you she is filming while we do this but there's no need to be part of that chaos which is Alissa not two day delivery disasters won't wait so why should you have you seen the walking dead come on Act Now and save seventy dollars on a a week emergency food kit when you go to my special website prepare with Graham Dot com my Patriot supply food kits last up to twenty five years in store and the possibility of having to deal with theme of food lines. Those that know what's coming are using today to prepare you should make a plan to ninety dollars it's better to have not need the need and not have go to prepare with Graham dot com prepare with Graham dot com neighbors did know that you're the crazy food prep guy but they're the ones that will be sorry when the zombies come out take action so you're ready for what's coming and save seven bridge and includes breakfast lunches and dinner or a few today and receive guaranteed two day delivery discreetly to your door because you don't what collected they're saying that the joker would have been a trump voter that's what they're saying that the joke the the the the villain that bat you know what I guarantee you I guarantee you in town how many Hashtag dear America if you remember Halloween town how Dadgum at J. Now I'm going you've never seen Halloween all there it says it right there monotone Jacob what it says in real life I don't know I guess I'm GonNa have to hands urinals in a one hundred and ninety five million dollar gender-neutral remodel of government buildings in our society Portland now Jessica my sister I thought you were telling me that you had this yes alright Portland and then they take away the urine which is one of the greatest assets of having male genitalia ever who in the men's bathrooms or a mountain yeah like my new thing right because yeah Jason Say no who is it that talks royalty Sam Elliott every every pop so if you have children I recommend that you introduce them to Halloween that movie and I can't recommend it or not upset about the urinal women that walk in there and look at the urinals you shouldn't be in the thirty people the truth is the truth is well we talked about it on I'm trying to have more you know movement in my voice here but we talked about it on ramp nation and what about the I can't indies overly about mental health issues no no what they're saying is that mentally disturbed individuals is what got president movie Elizabeth not there I get a text message and it's basically argue shoe that's appropriate it's freaking Halloween her family all right Well you know that makes you a bigot anyway moving okay this is a good topic for discussion have starting with building an emergency food supply and I trust and use my patriot supply their experts in emergency preparedness and have gear it's a channel movie it's like G. T. Disney channel movies though y'all children there are I was just making shots being good moment in here all right so this is breaking news alert like ads of ten minutes ago all right New York Times reports president trump must turn over eight years of his personal and Ooh time to look under the hood I don't I don't really know what it matters like the odds are just like most super-rich people he's been doing loopholes on his taxes that's how people are Super Rich Hello Amazon this is not news to me body so is this like their attempt to add something to impeach a president but newsflash you can't impeach president toys that was me quitter up the lucky strike so what are they gonNA urinals are discriminatory against people that do not identify as neither male female the other day what did you say Arthur again wasn't an author I said I don't know God saying I am walking finishes a great actor it's a movie who cares but let's talk about some serious things that are going on what Biden did what Obama did it starting to push me I mean I still believe in the constitution but at the end of the day it's like if you WanNa play dirty I don't care what he said on the phone call order it on Amazon prime to watch it she gets an email every time the Amazon because you know we've got to watch the kids make sure stuff right so we're watching I'm not a quid pro quo it was nothing like that it wasn't if you don't do this we're not gonNA do this it wasn't anything like that yeah dude what is going on you need to figure this out because if you don't figure this out we're GONNA have problems and if Ukraine really was with Russia meddling okay it didn't happen so what does it matter like the president should be allowed to have conversations behind closed doors right Samuel this this morning like with all the impeachments at the second whistle blower just came out and they ignore Biden all right like they don't care show there's a lot of little things that I want to get into in this you know we we already touched on the joker that kind of falls in this cancel culture corporate tax returns to Manhattan prosecutors a federal judge ruled an so Rosie o'donald and all these people and even AFC are like gosh well I mean if you watched it by yourself now it would be really weird and probably the dumbest movie you've ever seen I remember Halloween I'm just kidding Oh my God schoolhouse Melissa Finds Out Protective Order It on listening you WanNa talk about when you get married you get a new parent all right so all right I okay trump I mean this is what they do every time at both sides when elections coming is they just try to keep throwing dirt dirt dirt I mean it just it gets old on a nod or something I I am risks acting your voice on the show anyway all right so they have using it to reduce your listeners just got his cancelled because apparently they are helping people with their feelings because feelings matter more the restaurant period I'm peeing all over the seat in retaliation I am in retail you tell me I can't use a year well good have fun sitting in the information that can really finally set this put this thing the rest of two thousand sixteen and put some people who need to be in jail in jail stints in agreeing that out right the problem is if you use a quid pro quo kinda thing that's where but that did not happen right right no one is really upset like Zubi said on the last episode no one's really upset these are just people that are just like oh we gotta fix this doesn't sixteen stuff and the evidence is there Joe Biden was linked to it if that's there then it's like I'm not gonNA help your country out with military aid when I know you have they trump asked Ukraine to look into tampering and the election sure right which is perfectly fine well what is wrong with that Shen Fox and friends reports this cops for trump the Minneapolis police union sales t shirt supporting the president amid a uniform obviously not if he was buddies Bros. with Putin he wouldn't be releasing publicly for the world to see Oh yeah by the way I'm friends with your arch nemesis over here you it for something that happened before he was president you can't do that he'd be like well you know this guy this guy cheated on his wife one time three years for he got depression Oh president trump releasing that he's having buddy buddy comments with Ukraine is a direct slap in the face to Putin right Putin ain't happy seriously with you talking like this what about the Trans men so women who became men and dream their whole life of being a man and doing they not get ended league debunked the whole Russia collusion thing all this stuff right because Russia don't like Ukraine yeah they don't they don't lie like you know if you suspect that a country is our you've heard rumors that a country interfered in our election wouldn't you want to request there assist ban so what that means is the Minneapolis Police Department said that if you want to support trump or go to a trump you can't be in uniform in this is Jake's fault this jake has brought discrimination to how say words aren't real quick let's get into a sponsor speaking of Halloween the end of the world about that I promise you zero I mean so this whole trump was with Putin to Russia interfering in the election to live there trees I will say if I became a man that will be on my number one list of things to do dollars to have a penis actions I'm tempted to say I don't care if it's pro quo yeah it's like well it's not constitutional it's like I don't you're starting to push people away from aside symbol right that's the that's the that's the that's the military service uniform well police uniform represents the same thing the uniform to like not maybe not intentionally but influence people and when people see a cop Kinda messes like Oh cops are trump supporters you just can't be in uniform yeah right because because the uniform represents a completely unbiased and non picky being right you you have no preference either way when you wear that uniform and so by showing up keep it cohesive and unified all right moving on what are you guys got the Russia to leave the Setina about this I mean the military has been that way forever why it was made blatantly clear to us in the military you can go to any political event you want facial recognition stuff beautiful beautiful she's at Detroit police or here let's play videos people yes which maybe you're supposed to be a united I mean I've Kinda cops have their own rules that there's a lot of departments that won't even let you that I don't care and if he gets impeached he could still get elected in twenty two well okay so here's a thing to me I think what people don't realize I'm sorry I cut you off your state all I'm saying is that if it's true which I think trump knows it's true that they were all a part of the to that so this is an interesting one for me right like obviously people are upset about this to be completely honest I don't really understand the I don't know Hashtag dear America let us know what you know what you think about that I'm okay with it Jake what do you think I don't have a problem with it I mean you're almost using perations principle you can't you can't take from one and not the other I agree with that you're working obviously that's fine but why would you show up blatantly says that that white people shouldn't be analysts on facial recognition because white people think that all black people look alike the what why don't we just take all how much money was it two hundred ninety five million how `bout we revamped the homeless there then or how about we actually use it to help people but eventually it's going to start to come around and anyway it's all there is to it so all right moving on let's see Ooh this is a good topic for discussion as you know our analysts are highly trained and to say that they're not trained to do it because they're white that's highly insulted that chief serum saying it's it's breaking down before our eyes and again I've said it once I will say it again I was down in Houston I'm having this conversation with the all Republicans down there this will be the end of Biden when it's all said and done okay is still the firestorm of trump right this second away trump rally in your police uniform you are there for identifying that you actually do have a preference I get it I get that the people I'm just saying I see it all the time and I love them because they go along with it trophy I know train and for those of you listening on audio you'd go look at the video because she's standing she's talking to black people and the black dude standing next to her the second he says that he does like a like a like his head turns around like what and then the police chief who is black then doesn't interview and says disgrace into this she's not only just an idiot she is a terrible person issue obviously she's not looking out for people but even just trying to home to constituents are white I know right well it's like but just getting vote yes how this even they fired him qualified let's and he says the bigger question is what if I said something like that a black man and said you know all white people after registered sex offender participated in drag queen storytime that's happened a few I feel like that happens a lot of times and be explained to what drag Queen Means and what it is and all this stuff there's a video going around of a drag queen like strip show drag queens there by what a lot of people don't realize Democrats is that even by releasing the transcripts of the call trump as single what's going on in America I am Graham Allen in welcome to the newest episode of the Dear America podcast I have laryngitis and apparently trump chick behind it and people be like it's not it's not a public thing parents are choosing to well they the parents should be arrested I think it's crazy all right Houston library apologies apologies apologies while Houston library apologizes anyway and that's the difference right like if you're working at you will see you you're working and that's very identifiable right anyway awesome race regardless yeah but it doesn't make a huge difference so as you can hear to leave is racist in this she there yeah well first of all the whole drag Queen storytime thing is I don't even understand the logic black people look the same and she responds she's like I am looking out for my constituents they hired me to protect them Blah Blah she's idiot man she is in here you know what an analyst needs to be African Americans not people that are not because let me tell you know it happens all the time it's true again I think non African Americans think African American all of the same I've seen it even Macau's for people calling the light comes John Lewis John Lewis Elijah Cummings and they're totally of social media pages when you're definitely don't feel like you should I feel like that would be a easy way to to become super divided within departments and so I would think you'd want go to Taco Bell at three in the morning unless you're if you think that your six year old child should be read two by drag Queen Ma'am serious like the second you walk in Tosh Point Oh said the second you pull up to Taco Bell at three in the morning the cops should just arrest right because you know you're drunk thanks I get that one I don't see what the big outrage is the same as when we were talking about like cavern and kneeling I mean that was our whole premise is but it he signed with a plays out you're just wanting to vote look much I care about I win that police chief who was African American is looking at you going I should say some storytime right now the kids are putting like dollars you should automatically have a D H s case put against you for investigation period tell me you're good go ahead okay all right check I'm giving you your time Darker Awkward About Awkward I'm waiting on you to like me yes I said it and a minute that's just the way I feel I mean what is okay explain Hashtag dear America y you have to have drag queen dress why can a person not just go read to a child and I think the the angle is they're trying to make their kids I know what is the point I need to know what the point is what is the what is the point you're trying to teach your six year old child by I'm not I'm not sure completely awkward moment that's all we have for this episode and we'll see again next or baseball or homecoming pageants or or beauty queen pageants and stuff 'cause you were using your kids to project things that you never got lips do right right so if we can agree that the basis formulated around that is due to a sexual nature then what I would you would you say that's a fair thing to say pretty sure that's the whole point isn't that it doesn't have to do with sexuality and feeling sexy and sensual and all that stuff yeah that'd be kind of funny and nobody would really get upset but these are like five you know these are kids but even even that like I try to think back to when I was in high school four yeah you don't have to expose the kids to things to make sure that they're all right when they confront realize okay yeah here's I there's nothing wrong with it do whatever it is you WanNa do you put it in front of kids it becomes bad because it's wrong time in their life burn since it's Halloween Halloween and we're in the spirit who is wrinkles does anyone know what a cat the clown the point Other than sexualizing children explain to me what that does and the benefit of that what does that do to make your sexualizing children pushing agenda then we're using our children at twenty years ago people would throw their kids into like football right sexual I I'm not saying that you should throw stones at people that participate in drag that's not what I'm saying what I'm saying is explained to me dialed a child Wha- what does that do right you can't it is it is strictly for this culture where we are like even even in high school like it'd be kind of funny if they brought in a drag show for like a high school what do they call him the pepper preparation sweetheart for wrinkles the clown look he's horrified and they say he like comes in windows and like can you see it anyway but this is amazing combined smartphone technology with the industry's best laser bullet using your smartphone their proprietary apt tracks a laser bullet which fits your gun is the point of having it in front of children what is the point of that that's my point other than to sexualize children but that's my point you can be a person who has be looking into legend no it's like a legend and so goes through why why are you laughing straightened gutter all look out system right now get ten percent off plus free shipping but the offer code Graham train risk free for thirty days return if not completely satisfied but before literally correct we are that's not our job as parents our kids are not there to make us feel better about ourselves that is not that is not what they're there for all right okay all right let let's break it down even further okay is sex bad thing we're not talking about kids because no no no I'm not talking about kids if they pulled us in there to watch some drag drag quail and be worried to us we would've flip the tables over trigger function and more plus you'll save a ton of money on ammo go to target pro dot com that's the letter I target pro dot com offer code it's not the right place same frigging principle if you wanNA smoke I mean I think we can all agree that smoking is bad for you but if you're eighteen years old nineteen in Alabama if you wanna smoke by God that's your God given freedom and right as an American do so should you be smoking when you're ten years old right you see what I mean came out with a new song that you might recognize the lead singer of this go grande so there is a new Swedish death metal group they are climate activists and they just recently one hundred dollars to terrify these people are doing to like they're teenagers or adult children that it is kind of funny so they've invited him into the resumes Greta will detect exactly where you're shots are landing I target pro is completely safe and comes with a your caliber specific laser bullet and targets Oh you do go to the range and experience the difference take it from me dry fire training will develop muscle memory hell with target reaction speed sight alignment it's the wrong time right okay I'm not saying that drag is bad all right I don't agree with religiously and all that stuff but as far as freedom and being an American stick to the wall like Spiderman I've ever seen I got something all right before we do let's hit our second sponsor self defense is your God given right period and so dan initially he didn't come to her defense but he initially said you know I've had some crazy people and you know just sometimes in the moment anybody who this is apparently there's like horror stories of wrinkles the clouds clear to teenagers and children randomly metaphor really creepy so this legend this old wives tale has circulating so now amazing parents have told their children this can now hire a wrinkles the clown and personally clip I'm pretty sure it was a plant now but either way the thing that's most shocking to me this she didn't say anything right in fact she did respond to it later on in twitter she said we don't need to talk about it because this person's obviously mentally ill yeah you should acknowledge that they're mentally ill and but it's your responsibility to practice which is why I want you to go to your computer right now and get I target pro system this is the first dry fire training systems sobat thing no it's not right sex is not a bad thing should kids be having sex no there you go serum saying it's not a bad thing but you are things that you wanted to do right we'll today we are using our kids to project are witness more how morally superior we are and how is the way I'm sitting here we'd have been sneak it out the back window of the library go into the gas station or something fantastic parenting I have one it to me is that you just can't you can't squeeze in a no I like babies do you know what I mean I mean it's great she's already said she's going to have one less child said Dan is that had been you and so I said that we need to eat babies and you did not immediately rebuke that back it was the lack of Reno we shouldn't eat babies that did not come out of AFC's mouth at any point you be crucified you would absolutely be crucified because you're a conservative right and I I think that is the valid argument in that take into why not just go be able to read to a child without having to do this huge look at me you see what I'm saying like I don't understand why we had man story twenty one year old Florida man sentenced to ten days in prison after he overslept for jury duty speaking of crazy climate control people that you guys see the video at the AFC event or the ladies we start eating babies out of film that was said period Graham crazy people okay okay I'll see the woman at the Bronx Zoo who climbed over the visitor safety rails mm-hmm because of the climate negative one yeah okay her child's going to be cbd you WanNa go see rumors have come up that it was a point to like poke fun at AFC however and I had this conversation with Dan Crenshaw over the weekend museum that is it yeah so so there was a woman that popped up and said that the green new deal is not enough aw that some people say that we should start eating dead bodies but that's also not enough there's too much co two so we need to start eating babies to better c o two now the Texas chainsaw massacre juniors mask on he busted his guessing wrong over the going and these kids like listen people were like well we should be eating baby I mean no I'm serious man in so and so that's the interesting and and and I disagreed to a point of this so The thing that I had a problem with was not the crazy woman main weather she was a plant or not she's obviously crazy what the crap happens you gotta get lawyer you gotTa get all this stuff there ain't no what you just shot somebody so good for you buddy he'll asleep we'll see take all my that's so funny you find that the all Internet so inserted started dancing for the lion saying hi de Lyon it was recorded she was arrested for unlawful in Texas fend off the bank robber no I didn't see that it up Abilene police say this sixty year old woman thought off and on dazzle it but it was this article about this these people broken this guy's house and he's shot him like kill them straight up but it went back good whatever it is only this is not a drill today tweeted a groundbreaking revelation he says I'd still be running for president if I hadn't listened to Rick Perry trespassing she wasn't eating reminded me of my favorite skit Graham helped me who is it the does the lion skit Gotcha Okay Williams offense things like that like because they've watched a lot of TV shows is somebody breaks in your home you shoot them dead in your home clean shoot whatever the movies of which I responded with you'd still be running for president if anyone literally anyone would voted for you her awesome kicked legit email youngster all right eric swallow yes you just don't you know sometimes you just imma going okay please don't stab me you know kind of thing sure but then I me and Benny Johnson turned it around and we even if it's self defense that's one of those things you gotta call somebody you really gotta call that so a common misconception that people have from self would make fun of her but you should also put in there Asterix Hashtag save the Babies I stopped you know what I mean the other thing is like a lot of people bought it like Yep that's the kind of no now and you'll probably never get that gun back ever even if it is a clean shoot I was gonNA say speaking of self defense did you see the sixty year old woman aw yeah dancing for the lines well that's all that almost sounds like a a Florida man story climbing I have a Florida mm-hmm I had a four hour drive each way this weekend so I started listening to some podcast and what I liked to do as a like to listen to robber inside a bank wow the suspect forced the woman who is also an employee of the bank inside the building at gunpoint jobe than decided to fight back less low month or extreme so and I don't remember what state this was in but I I don't know why bring it to the show that's not what happens in real life you get handcuffed you're putting a back of the police car and you go to jail all right until they figure out odd cat I like to listen to people that I know and then a like Charlie Kurt Plug Charlie Kirk show love that Joe Rogan loved that Ben Shapiro from time to time I don't listen Ben Shapiro all arm but I decided to in a spur of the moment thing I decided to listen to Logan Paul's podcast impossible still think that Logan Paul has a responsibility because the vast majority of his audience our kids but he's not a kid anymore right UH anyway common common misconception is that if you even if you have a clean shoot then you just go back no live is what they're great you seen that video of the dad he takes the chain off of the chainsaw and he puts the like Mr Mr Johnson we'll need you to come by the station in the morning for a full statement they're like okay okay thanks to sleep they go to the next month has a lot of like pop icons Music TV and even porn star correal dropped out because he had like zero like no one I would have had a better shot winning running for the DNC nomination the nearest ours come on the show right and so I was listening to his Aaron Carter One and then it ended in the next one came on and it was red flag means you intend to marry your sister amazing it is like like flying proud porn-star that was on there and so I was listening to it and I was listening to how these people legitimately think about things right because the restricted only watch youtube kids Jake's team now because I'm yeah I don't think I mean we can't restrict anyone he can say what he wants to say but I do feel like since it is I'll just bit my gates okay. CBS News High School Teacher Tells Class A confession the sleep and that's what he got in trouble and so a lot of people are upset about that and again it's one of those things no I mean what relationships and all this stuff is supposed to be like and it just really got me thinking because I like listening to those kind of things relation only just this completely like like completely twisted upside down idea of this guy because he just went back to sleep I'll deal with that in the morning so we shop these days than India's goes back up to like seventy years old he goes back just goes all right well hold on I'm getting to it so so I will say this Logan Paul has grown up a little bit I will give him that I but there was he like I didn't click in the article because I didn't WanNa dissect it I just thought that was hilarious don't show first of all it is completely an an adult show there is no reason whatsoever of any kind any time that a person under the age of eighteen should all this to say that I actually didn't hate the podcast because it it really kind of opens up a lot of doors isn't it it caused a forty five minute delay but you can you imagine missing your alarm clock and then you get arrested for change as a little because it it shows you like the other side I think a lot of times as conservatives and Christians and all this other kind of stuff I mean we truly surround ourselves in our bubble which is great I mean awards okay all right By the time he was eighteen he sold seventy five million records himself you know errands house in wants to marry her sister so really quick i WanNa talk about something it's completely completely out there and how they think it makes it really hard for you to even figure out a way to communicate and relate right absolutely and so it was just an so I say I mean I remember when I was a kid songs and two he is like completely messed up I mean completely like out of his mind listen to this show however I found it really like eye-opening inciteful in cycle yeah to to list sounds like listen to the impulse and I'm not talking bad about Aaron Carter I legitimately am concerned for this dude listen musicians and stuff saying all this crazy stuff and supporting all these crazy people in office and everything but then you listen to something like this and you actually hear how these people talk person has a horrific relationship with their family completely broken lot of times do a lot of and and send to the people that are in these spotlights for whatever the reason what they think and what they feel like Aaron Carter was on there Nick Carter's brother from the backseat is what it's called impulsive in but impulsive because his name's Paul Logan Paul this discussion because I'm I'm on Logan's team we need to have that reinforcement of your camp so to speak right but if you don't listen to what these other people are actually saying and what they actually believed don't just talk about like the porn industry like everybody knows what the porn industry is but they were having conversations about this person's like you know they go will do you think you know that that there's merit behind some of these claims and Aaron Carter even says the whole family is torn apart and I mean he's just like paranoid the entire thing and in so again you start to understand why you see all these people agreeing with these crazy things like eat the babies and you know and healthcare for all the impulsive episode with Aaron Carter is like one of the newest ones like it's in the five most recent and I mean you truly here this guy all
Dr. Floyd Voicemail #011 - The Radio Adventures of Dr. Floyd
"Hey everybody. This is your old friend Dr. Grant and I just wanted to let you know that you are about to hear a classic voicemail episode of the Radio Adventures of Dr Floyd. Now one thing you've got to keep in mind is that the voicemail number mentioned in the show is no longer operational, so please do not call it other than that. Enjoy the show, golly Dr Floyd. It sure is hot out today, isn't it? It sure is Dr Grant you know. It's hot enough to fry at eight on the sidewalk. Yeah, sure. Sure. You who would do that? I'm not sure really well. Look I a popsicle. Thanks, but wait a minute. That's just a stick in a cup. Yeah, well, it started melting right away so I put in a cup, and then it was just so hot, that evaporated completely so here you go into great story. Thanks well, just stick all right well. Don't get a splinter, okay? Hey, you know we've had some more people. Call Eight, one, eight, three, three, two, three, zero, five three and leave us voicemails. You WanNA. Hear one. Too hard to do anything else you know it's hotter than a billy goat in pepper pech. You got that right? Okay, here's the first message. Hey, Dr Floyd I'm just wondering why you have. It posted an actual episode in a while I mean it's been like a lot of days like twenty five I, think that's almost a month and on my podcast things and Make sure to post one every single week on Saturday? You used to do that on Sunday but You've kind of laid off a little, so if you could please get back into the rhythm. That would be great. Thanks I well. One of the reasons we're not recording is because it's just so Dadgum Hut. Yeah, every time we try to record, the hard drive just melts right away. Yeah, it's hotter than two cats fighting in a wool suck sure is Har-. I here's the next voicemail. I am inviting you to my birthday. It's August eighth, two, thousand six. I'm Allegra and I'll be five year olds. And I'll be five year old. And I'll. Be Fix so having nice time at the party up on my grandma. It's ten Spring Street. That was very nice. Allegra invited you a birthday party I know, but it's just too hot to go to a birthday party. It's harder than steel. Playground slighted high noon. Well, that's true, but is that going to be your excuse for everything well? She also didn't know how old she was going to be five or six. What's thank God do with anything well. We won't know a birthday card to buy four well. I guess you're right all right. Here's the next message. Sorry, I managed. I made a mistake. I'm going to actually be. Go Dr Floyd She's going to be six. We can by rick hard for a six year old. Do Son. It's even hard to go to the store. You know it's hotter than a two dollar pistol on the fourth of July. Do you have like a whole list of these or something? No. All Right? Here's the next voicemail so numerous for Nicole. He synnex. You're not oh. Then you. Might Illuminate. Our now. Monarchy. Our Oh goody. We WanNA praise here. Let me press one. Now like well I don't know I. Guess we just wait for the price well I. Hope it generic conditioner because it's so Dadgum hut. It's hotter than high noon in Death Valley. Yeah all right. Here's the next message. I just wanted to find out since Dr Steve is a robot who built him and why? Also wanted to find out why Dr. Grant has speed large head. Thank you. Oh, snap your look. He's right. You do have a large Ed. Floyd, no, you have never seen anything so magnificent before in my whole life. Well, it's not really no grande. Can you hear me your ears you? Say to your head there. Can you hear me over there? Floyd I. Don't Understand Wyoming Oh. Would you manage? Did you bother you the challenge dog about your head might. Ono It, no. Big You know you shouldn't. You shouldn't make fun of somebody shouldn't make fun of someone's head. No, it's not especially on a hot day like this two hun- to make fun of someone's head. I see we're here. Why don't you just move over and block their selling with your freakishly large heads so I have some shade? Produce, an next voicemail, big head, boy all right. Yes, Hi, DR, Floyd! This is Ed and Jacqueline. Who is my wife? We're from Beaverton Oregon and we listened to your show on a regular basis. We think that building a third time machine could be very hazardous to your health. Just wanted to let you know that have a Nice Day golly Dr Floyd, that sounded like a threat. Yeah, what's Kinda scary, but don't worry. We'll be safe. We will. Why well if he comes over here I'll just hide behind your freakishly big head. Being head. Oh well. Here's the next voicemail. Hello, this is Marcus. SACRIMENTO. On the learn day, president, learning gate, past and learning days future episodes. They. told us, how Dr Floyd Ted was so small, he created just a shrinking machine. Talked Floyd might be able to go back. and. Do that to. Have such small had. I've wondering why he doesn't do that once he gets to. Think back That's all. Well now that's a fantastic idea, but I'm just worn out from dancing around singing songs about Dr Grants freakishly big head, and I'll show which. Way Too hot? Yes just way too hot. It's hotter than usually have a little saying you know after you say it's too hot. No issues to hunt. All right here's our voicemail. Market confounded I did already. Jabbing well. What do you think we've won anyway? I don't know, but it's so hard I hope it's a giant umbrella for your freakishly big ED he. Yeah, because I do have a big head. Yeah, you do really huge. That's right. It's pretty big. Yeah, it's gigantic, probably frightened small children at Jobe. Exactly it's enormous. Yeah, you know why. Because of my big brain that means I'm smarter than you. Dr Floyd Nobody's murdering me. I'm the smartest. World's brilliant scientist. Yeah Okay Dr Phil I. Keep Thinking that. All right folks. If you'd like to call and leave us a voicemail, you can call eight, one, eight, three, three, two, three, zero, five three. Do it from the car. Do it from your home just. Do it where there's air conditioning because it's pretty hot. Yeah, you know, it's hotter than blue blazes out there. What does that mean I? Don't know. Hey, it's not a heat. It's the humidity.
Amazon Smart Oven Review
"COMING UP ON HANDS ON TECH. I'm GONNA show you the Amazon smart oven that's right Amazon's trying. Microwaves again. And it only gets better hands on tech is brought. Are you from and the tweet last past studios using the same password everywhere as a security nightmare waiting to happen. Last pass easily creates unique passwords for every site it visit last past dot com slash twit. This is tweet this episode of hands on brought to you by Epson ecotank printers now. Oh you can kiss expensive cartridges. Goodbye checkout eco-tank printers at Epson dot com slash eco-tank Leo. This is the Amazon Smart Oven. It's the two hundred fifty dollar new. Take the upgrade. If if you will of Amazon's microwave oven this is actually more than just microwave. It's an Air Fryer and it's a convection oven. I've made a Pumpkin Pumpkin Pie in here and it was delicious so immediately i WanNa talk about sort of what you get when you get this smart of it because again we've got more than a microwave working here first of all. It works with alien say yes Amazon. Smart Assistant and lets you control it completely using your voice but as you can see it's got all the keys here so that you can make these adjustments even without having to use your voice you kind of get to choose between which one you want. Now you can see right here on on display. There is that little WIFI button and that lets me know it's connected and ready to be used. Interestingly the Amazon smart oven it does not have built into it. It's a separate product that you can pair with the device be it a small dot or in this case. I'm using the studio as my connection and we'll show that in just a little bit but the device itself doesn't have that speaker and I kind of feel it's a couple of things for one. Microwaves run at the same frequency as two point four GIGAHERTZ Wifi. So if you're running the microwave and trying to talk to the device advice at the same time you might run into some issues there. Secondly this thing's GONNA put out noise when it's running. And it might disturb the microphones in the actual device. So they went ahead and said. Hey we're GONNA kick it out it's going to be a separate thing and when you buy one of these you actually get to to include an echo dot for free as part of your purchase us. So what comes in the box. Well and this I was very excited about it starts with a temperature. Probe that's right you can roast a whole dadgum chicken chicken in this thing if you want to of course has become a small chicken but you know I wouldn't. I wouldn't recommend doing the Thanksgiving Turkey in the smart oven but something smaller definitely works. Then you get to separate metal stands there is the small stand and this here is for roasting. So you can place this inside. Put Your Pan on top with your chicken in it and go ahead and roasts that bad boy but now and then the taller metal tray. Now this trae this is for air frying. That's right air. FRYERS are kind of all the rage right now now and this can go ahead and cook up some French fries. If you've got those delicious but horrible for you frozen egg rolls can do that and so much more and that is using this air fryer then and it's my favorite thing. Absolutely this little tray right here. I've I have used this more than anything with the Amazon Smart Evan because it allows me to air FRY French fries. I can use it to cook. Apply on top of it is right there and you can easily drop things in here and this does a good job of collecting the heat which is very important so that you kind of get an easy and a very even distribution of cooking whenever you're using it so those are the things that come with it. Let's talk a a little bit about how it works. What it looks like on the inside and how you can do different things with the Evan and I should note to an quite like this? It fits altogether into this one little trace so they were smart enough to make it easy Z.. For you to stash this. It's not news so I'm gonNA hide that away. I feel like run a cooking show together all right. Let's talk about what's going on inside inside of here so we opened up the smart oven. And you've got your basic glass tray on which you can place any food that you want to access an older microwave wave oven but you can see here on the side. It shows what these tiny or what. These metallic trays are actually four air. Fry You bake and you convict. That's ride hi. It's got a convection oven using the tall rack. And then you can auto roast and keep warm with the short one so if you have some food that's don before everything else is done. You pop it in here. You Click keep warm and it'll keep food warm for you without getting cold and gross and disgusting. Now if you don't know what a convection oven is. It is the Baker's best friend a convection oven is the mixture of a normal oven which uses the heating element inside of the the microwave oven to cook the food but then in the back of the smart oven is a fan and that fan distributes. Heat don't evenly so the fan gets going and spreads around all the heat that the heating element at the top is putting out making for a more even bake. I've made aide cookies in the southern. I've made pie in the oven and I've made golly what was it. Schools scones In this oven and all of them came out much better than my normal oven. Do because of the fact that we've got a convection oven here so this is quite nice now it does get a little. It'll hot on top and I may or may not have found that out the hard way by having something plastic sitting on top of here. So that's something to keep in mind. This is an oven that you cannot place above a normal oven so some microwaves have for example a an exhaust fan on the bottom of them. And so you'll get an oven even and then you get. The microwave. Oven goes above it and it serves as an exhaust fan for the oven. Not with this this can be placed in cabinetry. Free Amazon actually sells a separate trim panel that you can use to place it in a wall but it cannot go directly above normal normal oven particularly because of the way that it displaces heat throughout the entire box. When you're microwaving that's not an issue obviously But during the convection process and the process that is something that you need to be aware of. So they'll set anything on top of here particularly if it's plastic and can melt. That's definitely an issue okay. So let's talk about how this connects with Amazon smart assistant because that's really what sets the Amazon Smart Evan. Apart from the competition I Again you pair it with one or many of the devices in your home so if you've got an echo show in the kitchen for example you compare it with that or in my case I have the studio and so I use this to communicate with the oven. I can also press this button and automatically triggers this device to start art the conversation so I'll hit that button reheat one cup of coffee microwaving one cup of coffee. It immediately starts to microwave the Cup of coffee. That of course is not in there at the moment so I'm going to go ahead and hit stop and we'll cancel it. You can can set up. This is kind of fun too so that it announces throughout your home when the cooking process is complete so it can say hey your cup of coffee is is warmed so that regardless of where you are you. Don't forget that you've got that Cup of coffee and have to reward again. That's kind of Nice. I also something like this echo. preheat the oven to three hundred fifty degrees reheating. I often to three hundred fifty degrees Fahrenheit. And if you look here on the display you'll see that up here here. It shows CEO envy which stands for convection and it starts to warm up the oven when it reaches the temperature that I've said which in this case is three hundred fifty degrees. Please go ahead and let me know both on the device by beeping and through my devices in the home so that I know the oven is ready and I can pop in a Popeye or whatever it is that I want to convection Cook with the oven and now I'll go ahead and hit stop and clear that out and again I wanna make it clear that you can also do many of these controls right here on the device itself so those tools are available right there to auto roast auto reheat keep warm KC let me go ahead and show you how the temperature probe works so pop. Open the microwave oven again and right there on the side is a port that we slide the probe into of course you want just take off the plastic NIB at the end of the port. I would stick that into a chicken or some other meat that I was trying to cook. And and then hit the auto roast button and it will let me choose between different types of meat and what temperature I want them to be set to. Of course it gives you the standard temperature for food safety. So that's a very handy way. I've used it like I said to Cook Chicken before when normally people award laugh about you sticking a chicken into a microwave again. This is the smart oven so it will actually cook your chicken properly and I have to say it made a pretty good roast chicken though. It could have been the spices that I added. This episode of Tech is brought to you by Epson. Now you can kiss expensive ink cartridges. Good by Epson. Thousands eco-tank comes with a ridiculous amount of ink so you can print thousands and thousands of pages it has super sized easy to fill in tanks. Which means you will never hassle hassle with buying or changing in cartridges again it's revolutionary and it's changing the way people print less frustration and more time to work on business tasks that matter Attar transform the way your home or office prince and do away without having frustration? Good Absent Dot com slash eco-tank Leo and just filling Chill Epson exceed exceed your vision. So let's talk about some of my favorite things with the smart oven again. I cannot fail to mention how awesome it is to have an air fryer that also cooks books things and microwaves them talk about that air. fryer I don't know about you but big portions are a problem for me and I often have French fries fries that I bring home from a restaurant that you know. Just don't taste good when you microwave them. I don't want to wait for the oven to cook them. To heat up get ready and then cook them and then they ended up being sort sort of crispy and a bad way. They're dry that's where the fire comes in so just so happen to have some French fries here. Those look pretty good but they are cold as can be and I want them to be cooked. I dropped those onto the tray. Pop this in here onto the tall rack. Close it in this case. I'm going to use the button here so I hit air fry and you see it says French fries. I'm GonNa hit that one more time because these are closer to frozen fries. The first option is if you literally want to cut up baked potato and put some spices on it. Stick it in there which I have done before excellent fries. It's how much how much French fry you got in there. I'M GONNA say one cup and then I'm going to start and then this process this timer here includes the time that it takes to heat up to the proper air frying temperature as well as how long it takes to cook the fries so the first part is essentially warming it up but the whole time in his air frying those French fries so by the time they come out. They're actually actually tasty as opposed to dried to potato crisps. Instead of the French fries that you want from the restaurant you're just at what's one thing you wish every every microwave would do and do correctly cook popcorn. You hate the smell of burnt popcorn Melbourne pop on we all hate the smell of burnt popcorn and and it almost seems like more of an art than a science on getting it right. Either you listened to the pops the right amount and then take it out of kernels on the bottom. Can we get right right well. I was really excited the other day to get a tweet from at Johnny Gizmo on twitter who said the smart oven microwave to two point five ounces is a popcorn perfectly not burnt. Barely any unpopular. Colonels I'm living in the future. I agree. This thing cooks microwave popcorn better than the standard microwave so I could slide a pack in there I can say hey. Please cook me a bag of popcorn and it will ask me how much. And in this case. It's three ounce bags and it perfectly cooks the popcorn with few colonels that if they don't go to waste it's so nice living in the future in my last and most favorite thing the thing that gets me using this microwave oven instead of the one that actually came with my town home is the auto reheat feature so some modern. Microwaves have this feature and everyone should should have the opportunity to use this. This is how it works. I take a plate of food doesn't matter what it is for example. This morning I used it. I had a Turkey dinner leftover from the night before it was in my fridge. I took that I popped it into the microwave. I put a covering over the top. The paper towel so the wooden splash over the out of the microwave. I tapped the auto reheat button which says plate of food so that's as plate of food that means any food. You'd I hit start and it starts to cook the food. And how does this work. It has a sensor built into the microwave oven and that will determine how much steam it can sense inside of the microwave when there is enough steam in the steam is at the right temperature. Then it knows that the food is properly reheated to kill any bacteria or other nasties that may be lingering inside between the cooling down and warming up process process so the food is properly warmed. It's not so hot that will completely burn your tongue off but it is hot enough to where you can have to blow on it a little bit but a perfectly warmed warmed plate of food regardless of what you put into it. That is the future we all deserve. And that is what this microwave provides one other feature that I do want to mention. It's one that what I think is a little clunky and is one of the downsides of this oven because of the fact that it is touted as this neat thing is the scan to cook option. That Amazon smart of an has and with certain foods. Marie calendar's guard dean frozen vegetables from every three six five brand. That's part of Amazon's whole foods as well as frozen entrees and frozen breakfasts in frozen snacks all from the everyday three six five brand. You can use your phone to scan the Barcode on the food and then it will properly cook that food. Essentially this is this. Is the thing my little brother wished he had had. He was the one who would come into the kitchen after you had cooked something in the microwave and instead of just reading the package and reading the instructions he'd ask you how long needed to cook. He he didn't WanNa read the back of the package and so this would have been his feature to be able to scan and have the microwave. Do all the thinking for him. This is a feature that this provides but what you have to have your phone with you and you have to launch into the alien say APP and tap tap tap tap you finally find it and then finally you can scan Dan maybe if they would have included a bar code scanner on the oven itself. Or maybe if you could say hey. I'm trying to cook an everyday. Three six five live bag of Tater tots or something like that. That would make the process. Something that I could get behind but the scan option is just it's too buried and I don't see a lot of people really using doing it. And the fact that they touted as such a cool feature of the microwave oven is kind of a bummer. To me so that's honestly one of the letdowns of this so if all that sounds exciting exciting to you you can get again. The Amazon Smart Oven for two hundred forty nine ninety nine and if you've got prime and comes with free shipping it also comes with as I mentioned a dot that you can use to communicate with it. You can buy the trim kit so that it can go into your cabinetry for one hundred seventy four nine thousand nine as well whereas a Braille keypad overlay for ninety nine cents that you can put over the top of here if you need that for the characters that is the Amazon was on smart oven. That is a quick look at some of the things. I'm enjoying about it as well as some of the things. That have been a bit of a bummer. But let me know your thoughts and if there are more people out there who have this oven and or Amazon's I take on the microwave oven lettuce. No you can tweet us at twit on twitter. I'm at Mica Sergeant on twitter or over over on Instagram at twit DOT TV. You can also catch me on my show. Smart Tech today that's twit DOT TV slash S.. T. T not right talk about this product and so much more everything smart tech. And if you want to help us out you can do so very simply by heading heading to twit dot com slash survey twenty that will give you access to our listeners. Survey we're not going to track you. You don't have to worry about plugging in your email. We just want a little bit more information about you so we can make better shows for you and our sponsors can be more informed about our audience. Thanks for watching and we'll see next time to put our hands some more tack hip up with all the hottest tech news and gadgets visit twit dot TV. There you'll be able to find and subscribe to all our tech show's. Thanks for watching hands on tech.
Hour 3: 5/20/20
"Cliff born company is the family employee owned maker of cliff bars cliff kid and luna bars. And here's something. I love about them since they started almost thirty years ago. They've always put people and communities I now they've committed to help feed the fight with get this and initial donation of more than seven million cliff Luna and cliff kid bars to food banks first responders and healthcare workers fighting this pandemic boom community. It's a beautiful thing but cried passion than patron tree of college. Football leaves here. Is the Paul Finebaum? Show our three podcast often. You Back Second. Athens show is live in what an interesting show has been. We had the governor on a minute ago. Brian Kemp from the state of Georgia. We've also talked about construction gate in Tuscaloosa. So let's go to the heart of the matter as a Don Henley wants a cease alert. The longtime sports editor of the Tuscaloosa News first broke this story to help put it into perspective. C. First of all good afternoon. Great tabby up. You're doing well and we are we we we. We started talking about The construction situation Brian Danny earlier in a world war broke out. But we thought we'd go to the source of it. All in these are not easy stories to pin down. You got statements from both the Construction Company into university in your story that first appeared last night to take us through what you know. And we're where do you think it all means? Well we did talk last night with you really got started working on the story yesterday and You know had good information that there have been a shutdown over the weekend and just wanted to to confirm that and We did from both from both parties from there. Were concerned there was. There was no question. There was a an outbreak. If you WANNA use the word outbreak There was a shutdown but not a long shutdown. And and they're working in some areas now. I think they're trying to make sure that everybody who's on site Should be on and shouldn't be. You know they don't WanNa risk any further Person to person transmission. So I I think that those. I think those are the issues right now. She so explained the construction first of all I mean. I know one hundred million dollar construction. What are they doing well there? It's not really an expansion. Although I guess in certain sensitive an expansion but they're not increasing capacity increase in for for one of the better term. They're increasing luxury of more skyboxes bigger skyboxes more amenities for fans. And not just the you know million dollars donor. Fans their trying. It's a it's an older facility you know. How Practically Stadium here's And so so there's certain limitations of what they can do within that infrastructure but they're trying to make it more fan friendly Both at the very high donor levels and you know for the. I don't guess there's there aren't cheap. Think anymore that praises passe but So it's it's probably more of a renovation that it is an expansion bits of very large very aggressive project two hundred and seven million dollars project That it's really not gonna add capacity so it's just make it a more more of a twenty first century facility to the extent that you can and to keep either a head of the Joneses or keep up with the Joneses around the South Eastern Conference because as you know in handle there's a facilities war going on that's been going on for a good while channing was see so hurt your reporter and you're a columnist and editor so you formation. I think that that's true. And I I know what the university statement said but there has certainly been some questions about should they said Moore should they say more now? It sounded very Legal Ease What I read your article which not unusual Give us an inside and where the university sits and all this other than the fact building the addition. They certainly didn't call a press conference on Monday and announced. This has happened. They maybe there's some some of reasons for that They they're in dealing with them yesterday. they were certainly forthcoming. They had a statement. Now that segment didn't include any specific numbers which were asked for I asked the university asked cadel construction. Who is the lead contractor one of the a worldwide firm based in Montgomery but but they do business all the world Whether they're whether they have privacy policies privacy policies in place Concerning medical information like that. You're I think probably the contractor does get into issue of of the university being a public institution and you know what what's available from them Then you get into whether it's a university the broad university or the Athletic Athletic Facility the stadium. So you're dealing with three or four institute and I don't think any of them really wanted To give a specific number now you common sense common sense. They didn't shut it down over one case or cases so whether that's saw report That had an estimated more than ten. And that's why you know particularly when you're dealing with unnamed sources and those numbers get evaluated Tan. Does that mean ten. Does that mean wanting. We're certainly trying to ascertain what that is. And don't have it. Yeah without I go to an unnamed source and he can he or she could give me a number but is that funny Zach allowable number and one of the things not just in this issue but in all the corona virus reporting. It's gone on around the country to get accurate numbers and then be able to place those in context In those small framed picture is slow the flow the work on the Renovation Trudeau absolutely any any shutdown slows things down quite long range impact. Is that going to have That remains to be seen. But I I think that we would certainly like have precise numbers if those become available here in the near term once testing continuing testing. Or if they're waiting on test results Would like to know that. And so. Yeah for Mat- issue. I hate to say that that they were done. Transparent 'cause they certainly address the questions provided the statement but You know specifics. In these in these cases are important whether where they where that would come from. That's a as I said you dealing with three or four entities but I'd like for one of the entities that's capable of doing it to to step in and you know just give the public information That it means it's not and it's not like people are GonNa go wandering onto the construction site which is pretty pretty secure. But you know there's a there's tracing involved and and their to rounding neighborhoods involved and so forth so it'd be nice let number and we are working to to get that see in your job in Tuscaloosa you primarily cover Alabama football and but you have done other things in the past you were part of Pulitzer Prize winning team that covered the tragic. Tuscaloosa tornadoes. in two thousand eleven. I ask you this question and you may not know the answer because somebody brought it up here earlier. That is this not a question as well for Cadel as well for the university but but a public health question in the county because of what now. Yeah exactly good for the mayor as well and I think the mayor I think Mayor Matic. Walt Maddox is mayor. Who you know. Sure I'm would like a full report as well and would be forthcoming with that again. He's probably asking some questions today as well. You know the the numbers that the city released most recent numbers that showed forty new tastes and sit. That doesn't necessarily mean all those days from that side That was a relatively speaking. That was up There are thousand possible reasons for that not all of them related to anyone civic side. I would think but you would like to to you know with that number. That's videos released You know you'd like to know. Was there hot spot was there? You know uptick area of concern and The city has has really tried to be forthcoming and and again. Sometimes it takes with these numbers testing ongoing You WanNa wait until you complete dangerous but yeah I would think. Mayor Matic's has has some questions. And then that'll be another avenue. That will try to to reach out to see if we can get some clarification that way appreciate you coming on. It's it's an important story in obviously because it involves Brandy Stadium. It's probably viewed more Nash. Athletics and I I think you. I think I like everybody is in sports. Media Is College Sports Media We're glad that the council made the ruling that they did today to allow some voluntary workouts. Because you eventually WanNa see football play basketball play and women's basketball who All the sports were part of that ruling today and nobody a that I know of. Nobody doesn't want to see that it would consider you know cancellation. Some kind of some kind of victory were just to petition for a lot of probably been unemployment. So everybody's pulling for that but at the same time. This is a major construction side in our city on the university campus. And so it's an important story and and that's not to politicize it not to take one side or the other but it's the the public. Our job is to give the public the information I need to know. He felt like had enough to write a story last night. But that doesn't mean necessarily. There's not more that can be done on the story. Well done see so. Thanks for coming on. Always enjoy it. Off? Thank you see so hurt was more words on the construction question of Ryan Dinnie Stadium. We're we're finally getting back to the calls. I know it seems like it's been a year. We will be back with much more after this. You're listening to Paul Finebaum. Show podcast. We welcome you back in so glad. You're here let's get back to the calls and they hit has been a while. Zach is up next Zach. Hey Mr Paul. Hey good afternoon. I'm hey how you doing love the show. Been listening to it for fifteen years or so of called once or twice a that. They called one time and then he found out he had the same bone cancer. His Dad called in. But anyway that's beside the point that I was just Do you know how he's doing by any chance. Any update on him. No it's a good question I have not heard Hopefully we will get one. If he's listening. I love for him to call to he he literally that day. I was Whoa is me because I had a broken toe working and he made that phone call and it just made me grateful for everything that I have. But that's beside the point while I was calling today I called today It I had a different. It's changed since I've been listening Jim I love him because he's an idiot and he keeps the show. Kinda entertaining 'cause he's can't see outside of his own But for the argument that he made the argument. I mean he's not argument. He said the other week and tell me. If I'm wrong that he doesn't I'm not GONNA phrases right. Basically he calls his show to keep it going but he doesn't get paid because that's the agreement that y'all had. Maybe I heard it wrong but this really that that Fully himself that. He thinks that he's so much of a part of this show that he actually deserves money. And he's doing your favorite. Y'All not paying him seems that way doesn't know one hundred percent. It seems that way but does he actually believe that. That's why I don't know I'm Jim. Sounds like a straight shooter. So I'M GONNA I'M GONNA I'm GONNA say yes. Okay IN LEGENDS. Getting paid now because people like hear from him and he has a little segment on a different radio station. If I'm not correct. That was yeah. He's he's been on radio and television in Birmingham. Yeah and You know I like them all. I like hearing Jim ramble on about themselves and how great he is. And how the there might. I'M GONNA quit. I don't like talking about about people and hopefully he's not as arrogant as he comes off. Hopefully it's just a just a Act But and then also one in and I have no reason to You know your shows the best thing out there. I just want to say that right off the bat fun. It does a lot for people and I can hear it in their voices when they call and tell you that I just like listening to it through the day while more I do the same thing that I man does for. A living but Tammy I love listening to that woman and every time I I never met her. Never anything like that but you could just tell. He was a genuine person and she was. I can guarantee you that you couldn't deny by listening to her. I mean he just good and you could just tell she's a good person and Really we did the day. She passed away. It was a hard day. I think a lot of people listening to this show and In like maybe in this just an idea. I'm sorry I'm taking so long. Like have like little like segment of some of her best callers. Maybe the day her. Her Granddaughter Pass You know not telling you. I'm glad you're not. Yeah I mean I think we. We'll work on that because that was such a such an important day in the history of this show. I would say it's one of the most important as I don't. I don't ever remember one like it so really good suggestion and I and I hope you'll stay. Stay stay or callers. Thank you very much. So let's go to Gainesville Zach how are you? Good how are you doing We're doing great. I just like I kinda changed my mind on like football to happen but without the older alumni the game what is college football. What is they're the ones that tell you all the cool for two gators lower stories that you would never know you know? Yeah I I right now. I think we're so anxious eager but sometimes I get the feeling there are going to be some fans I just don't think we know how many You heard what the governor said the but yeah I mean. You're right about that. If I may say something Paul like Dan. Lohan says we to come to the swamp to bring a hundred percent. And I've been living by that these past two years I've been going into the swamp. Put Him everything in like my voice. Be there until Wednesday are Tuesday. You know and it's just without that it's like I'm looking forward to this like having dreams about it can't wait and it's feels like it's you know being stolen from me you know. Well it's it's an interesting way of putting it. Hey thank you very much for the call. Jim is up next Jim has been the subject about half the calls in the last hour. They all the guy called me and he he he's food You know I mean I think I deserve some money but I'm not asking for money you know you know all that was ingest. You know that but you don't tallies people truthful you know. I'm trying to show making those little quirk be remarks like I made a day a half-heartedly I mean it was just you know it wasn't serious. You know that right right. Why don't you let these guys just what to say? Let's just in the last We had a squirrel call about you. There was somebody else before him to call Squirrel. He's a HE'S A. He's a prevert. The chased Laura Rutledge. All over. This you go into those top if you get close to her He's align scumbag. No doubt about it. He's bow is evil man fall. I wouldn't mind seeing him. Get Out of the you know. Get get off his way. I mean you know. I really can't stand the guy and can't you blame me to the to. Can you blame the lies? He's told about me the malicious attacks he's made on me every day but of course I have to. Somebody has be the star of that poos sprawls because he's got nothing besides people. Besides people like me Latin. Our backs riding are like God monkey. Same Dadgum Deal Paul. You know it's the truth. Yes it's the truth they can't do nothing without talking about me because I am popular own the show with many people. I'm I've I've been a famous on the show. I'm an icon. I don't I don't mean to Brag. You told me one time if it's a fact it is true. It's it's the fact is not bragging. Denies the truth. Just tell you that well the Jim you quoted a Bible verse to earlier did you not. Yeah that's exactly the amount but if I came back and quoted Matthew here would you be offended appropriately if you did it fittingly. Listen Paul I made a point I made is point. Many people on this earth today would would would would wouldn't wouldn't mind seeing people die if I can make a huge dollar off of it. That's what I meant by the Bible where it talks about. It says the the money is not the evil. It's the love of money. That's the root of all evil. Paul can you? Can you get wrap to hit around that? I you can? I Will Jim we we. We're up against a break. Thanks for the call. We are heading to the bottom of the hour. Break here more of your phone calls after this. You're listening to the Paul Finebaum show podcast. Let's check in with Shannon next in Georgia. Hello Shannon Hi Paul Looney in Georgia Brian. Kemp interview earlier was good to hear that Thanking I really and and I really enjoyed hearing you saying that. He was ahead of the curve in making the call. Open the state up. You know I'm here in Georgia and we've been opened Reopened for about three weeks now and it's still surprising when you go out to see the the number of people that that are choosing not to go out. I mean just because business. They're open doesn't mean that people are going out and frequenting them yet But I think that governor camping ever descent in Florida to has done a great job looking at the facts and being ahead of the curb like you said you know Fox. News is now saying that the CDC's telling us that the corona virus is not going to be spreading through inanimate objects surfaces and things of that nature. Neil Ferguson the guy from imperial college over in the UK that put together that whole model that freaked the whole world out. That causes everybody. Shut down you know. He's resigned and they're now debunking that entire model that said millions. We're going to die and Stacey Abrams who supposed to be democratic I guess wonder child now she. She said Brian. Kit was being grossly incompetent. Dangerous thing competent when he reopened the state and I think it was a great move by immunised. Great to hear you say he was ahead of the curve. Well I admire people that take chances and the one thing he repeated over and over again is if people are responsible. This will work out fairly well. And that's the thing that frustrates me. Just because you open up doesn't mean you can go out and be reckless. And and I think he made that point and I think the people I've heard in Florida for example. Even governor took an enormous. A lot of people are being careful. Careful doesn't mean you're afraid it means you're being smart and I went to the gym for the first time last Friday. They were reopened are cuisine for the first time and it was. It was nice to be back in the gym. They had probably half the equipment shutdown. Just to eighty social distancing and minute folks that were in there. Were STILL PRACTICING? You know obviously good hygiene disinfecting. The equipment a wearing protective gear masks or gloves. Or what have you so? It's good to see that but it's also good to see that things are starting to normalize because I think that's the country need more than anything else just normalization coming to you. Live where I live. The gyms are not open. I just heard the governor say they're not going to be open so enjoy it. Thank you very much. Shannon. I'm Anne is calling next. Hello I'm an good afternoon fall. Always thank you for taking my call. Let me back up here for a second. Because I've been kind of hanging out listening and I know that Jim's probably called you five or six times maybe two or three times hitting dead on the air because of his language but he just did he just wish war was dead My interpretation of this phone call would be yes. That's what I thought so. He's winced you dead Swiss world and several times on this so well let me correct you. I'm in He didn't In the context of this is this. Okay I came out rather sadly in February. That rush limbaugh had a special throat cancer and he was a very progressive stage for something. Which is very bad diagnosis. And he he did not say. I hope you're dead because I had come off of some surgery which was not really that serious in the end but so jim was saying. I think he said that. I'm sorry you don't have. What Rush Limbaugh has right? And he did that Phyllis he's done that to me but he's actually wish squirrel dead several times and I don't I don't understand the I have to ask your question on and you've you've to show for how long along come twenty twenty years. Shouldn't there be a limit on how many times you can wish someone dead. You would think so. And if he's close to being prophet in in in waiting you would think that maybe some of his prophesyzing would come true but he seems to be a failure and he's running scared now. This is what I don't understand if he's to go he doesn't have good news at all. Hardly he he. He Raises Hail about everywhere he goes and it's obvious that he's scared of everybody in Walmart. He had to come to to a luncheon with a handful of people that you have and if he lives in such fear why does he feel like everybody else ought to cater to him when he's one and there's what seven billion other people on this planet but Jim is the God that seems to have his finger on the pulse of everything to actually not even under a pulse sears and then you know if it wasn't for collars like myself and Squirrel and a few others mentioned in him today and you can his calls? He would really be a pretty irrelevant guy. I mean even at the Rammer Jammer. He was going there and getting nickel hotdog and water. Because you and I walked out of there didn't the guy behind the counter or the owner. Tell us that story. Oh Yeah and then He. Spilt is watering. He blamed it on somebody else. I mean I just don't get the guy to to be and it's obviously scared. So if he's scared of this virus and and he's figuring it started sounding like he's in high percentile group of the aged the older people because he he was not in shape but he certainly is scared to death of it and and I I don't understand you know why he lives in such fear you would have thought after what seventy five and a half years hurting his arm when he was fourteen that he might have gotten over that a little bit but apparently not. I mean you would think so. I mean how many how many people have overcame things fall worse than and you know. He kinda reminds me of John Lennon a little bit. You know writing songs about mother and Julia Paul. I think you're Julia. I think he calls you because he made your love. He is acquainted you with his mother and he needs a mother figure so bad and I mean after all you did go to the clinic and check him out a few weekends and took him out for a boat ride. The car ride took him to the park in his. Ooooh but he he. He's quite new when Kim College you. That's what you hear Julia. Half of what he says is meaningless. Have Great They Paul a Great Song? Hey Joe Hey Julius Joy. Let's check in with Mitch next in South Carolina. Hello Mitch Five thank you. I'm doing well thank you. Can I have a second to vent? Yes of course okay. I've called a few times. I'm the person who gave. You My story about my dad. Kill my mom and I may big time Clemson Fan and I to your show before I listen to any other show. There is no show equal to your show and allison to the callers for entertainment. I listen to the people that you luke for education. So I don't have a problem with any of your callers today. One of your callers made a statement that I have to respond to. He made the statement. He was right before the Georgia Governor Kim came on. He made the statement that the construction workers can. I'll overcome the corona virus. Because they're helping me. There is no guarantee can overcome at once. They get it no matter what age you are or what condition your body's in so to make that statement is reckless and it's absolutely records to make that because I mean you can. I don't I don't WANNA get I. I know what you know about construction workers. They come from all walks of life. And there's no guarantee though that Are In the same health that you and. I are in well. They were two emergency room doctors in Seattle. That were in their thirties. That contract con contract you while they were treating patients and they both passed and I'm sure they were in good health so to make their state omitted. A CERTAIN POPULATION IS GONNA be okay if they get it. That's just reckless. Yeah I mean you can use to ticks and say okay Seven seventeen and. That's fine people do that but there are no guarantees with any illness especially one that there is no known treatment or or vaccine and I want to ask questions and demo make a statement. I'll hang up. The first question is and I I. What would the narrative be in Alabama if the campus was full of school was full students right now with the same situation happening? I I would be problematic because you're talking about I mean right now. There are guesses now between twenty and In above who have been exposed to the virus and that was two days ago When in the testing is currently going on so you don't know and that's why the transparency is such an important question that was brought up by one of our guests earlier and I'm glad to hear the mayor of Tuscaloosa Wall. Maddox is looking into it. He needs to. It's just community. You don't know how many people are walking around there that are about to potentially do serious damage to innocent bystanders. We'll take a tour break. You're listening to Paul Finebaum show. Podcast your home is important. That's why GEICO helps make it easy to save on Homeowner's insurance because home is more than just a place. Home is where you build giant pillow fort in your living room and when people ask why you have a pillow fort near living room. You say it's for your dog when they ask what kind you say chocolate lab and we have a web of lies. That's almost as intricate as the crown molding in Fort Pillow. The GEICO Insurance Agency could help protect the pillow. Soft fortress you call home call Gyco and see how easy it is to switch and save on Homeowner's insurance juries in Georgia and you are next up. Paul appreciate you taking my call today. Of course I've changed what I want to talk about about three times. It's been on. Hold here it's been such an interesting show As a a one thing I want to say to start off with is a proud citizen of Georgia and dialogue. Dr Dog Fan. I really enjoyed the the interview with our governor. Here well thank you. He's Hate to Moi criticism from folks outside of George. I think than he did. Actually the inside of the state courses always vocal few and we won't get into politics Another thing I wanted to mention And I'm talking on real touchy ground right here. about the Situation Net to the Bryant any stadium in Alabama The And we have a say this from from experience. We have had here in in the community. That man A lot of the people that construction workers and I don't say this in a negative way but a lot of them are Anguish yeah I think that's a that's a fact I mean it's it's not. It's not a fact that needs a lot of research either. No and and this a and that you might be completely different down there. I don't live there but and this area the way they tend. Their lifestyle is a lot different from our lifestyle They tend to Live several families in the house. Yeah it's based on socio-economic reality and again anything you say here can be misinterpreted. We're speaking the truth right and I don't want it to be mission Turkey because but anyway and when they when folks live like that there's a greater greater testing for them to them to come boundless virus and it's happened here in our community We've got a chicken plant Pre chicken processing plant and That's been a little hot spot for our community of course but one of them. I did want to say is I'm in that target group You may may or may not remember. I talked with you While back about how much you helped me when I was in Rehab from My kidney failure. Oh I do remember that. Sure but I'm in that group And I Even though I'm supposed to be on lockdown still till June twelfth I believe it is. I go out to do my usual things I go out to the post office to get my mail. I wear my mask Go to the grocery store if I need to hadn't been twice since this thing come out but I wear my mask and I think that I think as media has has Overblown this thing in a certain degree and the fact that they make it look out like everybody gets this. Virus is going to die. And you know that's been shown that's not the case it's It's it's it is a terrible thing. It's You know when it affects families and and the worst thing about it. We don't know about it Well as as many have said before Geria- and thanks for all the words you said and certainly hope your your health will head in the right direction but we don't not only do we not know a lot about it. It's not like something else where there's a treatment I mean there's a there are some treatment. Says they're working with and was without a sustained treatment antibiotics vaccine. It's or it's problematic. That's really the big. I guess what I what the point I wanted to make. Is that You know like I said I'm in that target group and I I I'm not gonNA stop what life I've got left just to hold up in my house. No you can't hate to run Jerry but we we're just literally running out of time here but You stay well be careful. We are back with one more hour.
Where Is All Your Dadgum Money Going? (Hour 2)
"Live from the headquarters of Ramsey solutions. Broadcasting from the dollar car rental studios, it's the Dave Ramsey show. Or dad is dumb cash is king and the paid off home mortgage has taken the place of the BMW as the status simple of choice. I'm Dave Ramsey. Your host. Thank you for joining us. Open phones at triple eight eight to five five two two five that's triple eight eight to five five to five. Courtney starts off this hour in Saint Louis. Hi, courtney. Welcome to the Dave Ramsey show. Hi, David such an honor to speak with you today for just think you for all of the great work you do fan. Thank you very much. How can I help? Yes. I'm calling about a cash value whole life policy that I have. And I'm very familiar with your work and your stance on whole life policies. But when my husband, and I purchased our term life insurance be agent. We bought it from even told us to hold onto this policy. So I'm thinking it may be different than what you typically here, but it's a policy. My parents opened up for me when I was just days old. And so the premium is like just under seven dollars a month, the death benefits are fifteen thousand there the cash value of nine fifty and then it accumulates dividend. Is it worth holding onto or get rid of it? Never keep term never keep cash. Value life insurance? It is never a good deal. There's no such thing as a good deal in term in in. I keep saying term and whole live life insurance. And if the agent that you bought your term life from. Told you that it was a good deal. That means you probably paid too much for your term life. So go to zanderinsurance dot com and shop your term life insurance rates. I think you're paying too much for that too. When we compared on the ender to the rates, he gave us they were a dollar dollar to apart different. Oh, you've already done that. Okay. Yeah. On the same exact link of time and everything. Yes. Okay. All right. Good. Well, that's good news. Okay. No. I would not keep a whole life policy of any kind ever. And the reason is very simple. The rates of return are horrid you're not making a good rate of return. It's not usually it's a one to two percent rate of return on the actual cash value, the actual premium dollars. You're spending on that. Even though it was purchased when you were child, you know, seven dollars a month with what you paid for your term. You would have bought more than fifteen thousand dollars where the term now additional term if you Upshur spend by seven dollars a month today. So even in that case, so it's just it's just not a bargain, there's nowhere in there. There's good deal. John is with us in San Antonio Tex. Hey, john. How are you? Good afternoon. Dave. Thank you for the call. Sure. Can I help? Long term care insurance. I heard and read you say that it's a good option or. Region care during your years when you need it. Exactly. But I currently have one that I took out back in ten years ago. Still with me. Giving me. I'm seventy one. Okay. Widowed children. No family. Card military drawing show scaredy. Yeah, I'm still a month. The working part time. They current premiums are three forty eight or quarter. The first of June. They're going up to five twenty two per quarter and two years it will raise again by another thirty three percent. How much does it cover? Questions. B find that page for you. Action benefit is two hundred sixteen thousand. Okay. And so it covers about three or four or five years, or is that what the ideas of they got annual amount that. Action found his forty five hundred a month. Okay. Fifty thousand a year for for four years. Yeah. Okay. Yeah. Yeah. And. That's usual, that's pretty standard policy. Well, the the statistics tell us that seventy percent of people over sixty five will spend some time in a nursing home or need in home care, though. Need long-term care that's seven out of ten chance of that happening. You'll be spending two thousand dollars a year for up to a two hundred thousand dollar benefit that is going that has seventy percent probability of occurring. That's a good deal. Okay. I'm going to do it. And when it goes up thirty three percent later. I guess we can look at it. If you want to at that point. But obviously, the older you are the more likely you are to spend time in a nursing home or Nate in home care. It's like life insurance. I mean statistical fact, right? And so it makes sense. And so you're you're single no kids, and what's your net worth? Right now in the 4._0._1. of the I raise just about eighty between eighty and eighty five right? So you would burn that up in a year and a half give or take if you were to go into a nursing home without this care. And you'd be in a Medicaid situation government provided nursing home, which was welfare and the will notice difference in care. So if I'm in your shoes, I'm buying this. Yeah. I think is a good bye. Okay. Thank you for your call, sir. Appreciate you. Joining us. Open phones at triple eight eight to five five two two five. Here's some interesting stats a little cheat sheet on long term care insurance. Because I don't have it all memorized. And I forget it seventy percent of people over sixty five will require some type of long term care. In nineteen eighty five. There were one hundred companies selling long-term care today. There's thirteen. The average premium is twenty five hundred a year. The average time spent in a nursing home seven ten go over sixty five under sixty almost no one goes is less than one percent such why we tell you not to buy long term care insurance until you're sixty. But it is it's almost a sensual when you're over sixty average time spent in a nursing homes two point four years. The percentage the state longer than three years twenty four percent one in four people stay longer than three years. And mostly coverage. Links are three or four five years something like that they have a rider, and they have somewhere between three thousand five thousand benefit very similar what he just had. And seventy percent of the claims are for in home care. Make sure you get in home care if you're going to buy along come insurance because you would rather be at home it's cheaper to take care of you at home. It's a better quality of life. Everything's better. So that's the deal. Fifty one percent of the claims or for cognitive reasons. The average age of someone filing a claim seventy nine. Now, here's what normally happens seventy five percent of you. Ladies outlive, your husband's so for a married couple that sixty two years old or your mom and dad are listen to me right now seventy five percent of you. Ladies your husband's gonna die. I seven we had a four times. He's going to go into the nursing home run up at three hundred thousand dollar Bill. Eat up your nest egg. And when he dodger broke don't do that get long term care insurance. Take nursing home Bill that way pump doesn't crack scramble the nez. Big mama broke. This is the Dave Ramsey show. Stop blowing your budget on your wireless plan and switch to pure talk. USA? Pure talk USA offers simply smarter wireless. Unlimited plans start as low as twenty dollars per month. You never pay data over its fees, and we never turn off your data, no contracts, no hidden fees, and no surprises. We're so confident you'll love peer talk USA that we invite you to try our service risk free. Visit peer talk USA dot com or call eight four four eight six to three six seven seven enter promo code Ramsey. And receive fifty percent off your first month. That's pure talk. USA dot com. Thanks for joining us, America. This is the Dave Ramsey show. Open phones at triple eight eight to five five two two five. Maybe step one. You do with great intensity to get one thousand dollar saved two with complete focus and great intensity. Nothing else is going on with your money. And that's your debt snowball where you pay your gazelle, intense, you're sacrificing you're not going on vacation. You're not going out to eat your cleaning up your debt because your most powerful wealth-building tool is your income. Most people working our plan our debt free other than their home in under twenty four months. Most people not everybody. Sometimes it takes them three years we hardly ever run into somebody. That's over five years. I mean like one percent of the people we work with because they just are doing radical stuff to get out deep sacrifices. To to cause the effect that you want to have to be clear because when you don't have any payments, you can Bill well, then baby step three once you're debt free still intense still focused dill not going on vacation to you get that emergency fund in place of three to six months of expenses. Then you let your foot off the gas just a little bit. And that's after your emergency funds in place, and you're debt free everything that your house. That's when you can go on vacation. That's when you save up and move up in car. That's when you buy a new couch, or whatever anything you do at that point as long as you save up and pay for it. And of course, the more stuff you purchase the less. You'll be able to invest the less you'll be able to give and we wanna be saving investing fifteen percent of our income into retirement. That's maybe step force in as possible. But if you're doing baby step four and five kids, college and six pain extra on the house. That's when you're you know, again, you've let your foot off the gas just a little bit. We are going to maybe go out to eat. Maybe not all the time like some people. But we're you know, we're gonna watch or doing we're going to be on a plan on a budget. But it's not quite as sacrificial not as quite as scorched earth. And that's when it's time to go on vacation. And you get the rhythm of doing that the average person by the way, then we're the while they're doing that has their homepage off in seven point six years. The average millionaire we studied in the largest study of millionare's overdone pays off their home in ten point two years. And it is one of the key data points the seven to ten to twelve year range of getting your home paid off as one of the key data points of becoming a millionaire meaning big coming wealthy. And so these are data these stuff is all proven now. I mean, we've been doing this for quarter of a century with millions and millions of people. So one thing we've never done is celebrated with you while you're in maybe four or five and six we always do that for scream, you know, when you get debt free. But you know, we need to celebrate. And we need to celebrate you everyday millionaires. We started doing that. Let you call in and talk to you guys. And learn from you how you did that. So that other people are encouraged and believe that regular people can build wealth in America that the stew Mckee conomic issues by big pharma, and healthcare and the little man can't get ahead and stagnant inflation and stagnant wages Louis Vive. Yo jay. The Horning goes on for days, and yet people get out of debt and Bill wealth all the time from all socio economic strata. So it's done all the time. So once in baby steps four five and six we decide when you celebrate with a little bit more, and our guys came up with the idea, we've never done this. And we didn't even know if it would work, and it has worked to say, the least we launched the Ramsey cruise. So I brought it to me on a cheesy loam cheap looking little ship. And I'm like, it's not been on cruises. I'm not riding on that thing. So now, I want this needs to be nice. Okay. So they went to the top in one of the top ends of the top of the main cruise lines. Anyway, Holland America, which is really, you know, share not been on there. Several times a wonderful line. And it's it's not cheap cheesy. It's nice, and this is brand new ship to so I'm we're going to good dot tin ary like, you know, Turkson Keiko's and Puerto Rico and Saint Thomas and Bahamas. So it's a good good tannery seventy ten very, and so it's all the Ramsey personalities are going to be doing, you know, workshops and stuff on the ship. Of course, we're not gonna work you all the time. Obviously you wanna play, but we're all going to be there. My friend, Steven Curtis. Chapman is gonna come. Chris Grammy award winning Christian artist Christian artist icon. In really, but obviously Chris HOGAN, Rachel Cruze Christie Reich Ken Coleman. Anthony, O'Neill my buddy, Jeff foxworthy gonna come into a bet for us. So he's gonna hang out with us. That'd be fun and big time food network star Monette show on is gonna be with us too. She's a big big celebrity chefs she lives here in Nashville got several restaurants here. And so she'll be doing some demonstrations and stuff like that. She's not running the kitchen on the ship. Okay. But she's doing some stuff to show you, you know, food network stuff. So it's going to be really lot of fun. And apparently, you know that it's next March twenty twenty it's two hundred fifty dollars for a deposit per person. And here's the thing we announced it just three weeks ago, and it's ninety one percent sold out. And there's a one hundred dollar discount per person arly bird discount that is over this coming Monday. So our guests is at current rate of say. Fail and without hundred dollar discount being thing that everybody wants to get an additional, you know, if it's a couple of going to hundred dollar saved kind of thing that you know, you need to go and go Ramsey cruise dot com. If you wanna go because there it's gonna be sold out next week are so I mean right in there. And just check it out Ramsey cruise dot com, but we just want celebrate with you, and Sharon, I'll be there. It's gonna be a lot of fun. It's you know, it's quite a lineup. Really? I mean, it's pretty cool thing. I mean, you got HOGAN on the cruise, and that's kinda scary right there. Oh, you have no idea. How much we've given him a hard time about this. But we'll all be doing workshops and stuff. And of course, the entertainers will be doing entertainment and things, and but more neither else will always be there hanging out with you. It's it's only twenty four hundred people so it's not a huge huge ship. It's not one of these like a rolling rolling a floating shopping mall. So these things are massive. And this one's kind of it's nice. It's a good size is big enough. But it's not so big that, you know, you're just overwhelming human beings. So anyway, Mary as whether it's in San Diego. Hi, mary. Welcome to the Dave Ramsey show. I think thinking for taking my call sure what's up some twenty seven year old make about ninety six thousand a year. I have no debt have thirteen thousand saved. I have four three b with my work four fifty seven and a pension plan. My brother was suggesting that I buy house and rented out or by a couple of parliament's rent out or get a loan to open up my own business nursing home business, and I'm at the same time thinking about getting my doctorate my p so I'm kind of I don't know what to do. What's the best option? I live with my family's. I don't own a house. You're making ninety seven thousand in your old twenty seven twenty seven okay. I do not recommend that you go into debt to buy rental properties. Okay. Or a nursing home for sure. Yeah. Yeah. No, I recommend you pay cash for your investments, usually the way I have lived and the way I've taught and the way I've learned from wealthy people to do is that your first round of wealth is usually built in your retirement and in a paid for residents, which you don't need to do today. I understand and then your second round of wealth would be built I meaning like your first million dollars usually is in mutual funds in your 4._0._1._K as and Roth IRA's and basic investments, and then somewhere in there right around that time you start saving up and you pay cash for your first rental if you want to own rentals, but I have a feeling this is your brother's dream, not your dream. Yep. I think you're dream is a PHD. That's what it is you go work home. No, we're not gonna get a loan for anything you make ninety seven thousand dollars a year. You live at home. You cash flow your day. You don't let me reason not to your dad. Gum money going. This is that Ramsey show. I get asked all the time. Do I need life insurance? Listen, the point of life insurance is to replace your income for someone who counts on it. So if you have a spouse, if you have kids, yes, you need term life insurance and the best place, I know to get it is Zander dot com. Zander insurance where I get all my insurance. And it's where I've been sending my listeners for over twenty years. You can get a quote in a matter of seconds. It's not expensive. It's not complicated. And you need to do this now Zander dot com. The lobby of Ramsey solutions. Orlando and Gina join us. Hey, guys. How are you? Welcome welcome. Now, where do you guys live here Nashville coup and here to do debt free scream are much? Have you paid off one hundred thousand while how long did this take about four years four years and your range of income during that time seventy five to fifty five to eighty five? Cu what do y'all do for a living? I work for the state do graphics for the department of transportation and Gina. He's I've gone from teaching English as a second language to adults to healthcare to now mortgage and sustain. Yeah. Lots of lots of changes in my life. What kind of debt was the one hundred thousand it was a car and the house we paid off your. People. Yes. Yes. And I understand Carman that has worked on our team for decades feels like over ten years, anyway, I'll karma been weather's give me your fingers. How many how long have you been with us? Aloen? Seven years. Okay. Not that. It was over ten. Okay. Is your mom is that right? It is very cool. Well, you didn't really have a choice. No. I. Love it. Well, congratulations. You guys, you're spadeful. How old are you too? I'm thirty seven and I'm thirty seven. Yeah. That was good. Well played. Oh, well, amazing. How fun is it to be thirty seven and thirty seven and have your house paid off. Hasn't sunk in yet. Yeah. What's the house worth about one eighty to two hundred legit you house Fe? You're so we're love. Okay. So four years ago. You started this seven years ago, your mom gave him to work guess. So what happened for years ago that lit the fuse? Well, I I began grad school. And when we first began that journey we were like, we don't have the money necessarily saved up to pay for this. How are we going to do it? So we had a sit down talk and then. Sort of school. And we were that first year I was thinking of marriage after the first year, it was loosey-goosey with the budget, and we were more of retroactive budget where in March we will look at what we spend in January. Oh, we shouldn't have spent that much money. There are bad. We'll do better next month. But we never did. So that first year was very loosey-goosey and then money or the not the bunny the Bill for tuition came in. And we're like we don't have the money. So we either borrow money or we can have to cash flow there. So that I. Tuition? We just put in easy pay just so we can actually make the first payment. And then by the third month, we had finally paid. I two ish. Right. And then we just from there on catch Florida. But that's when we got serious about budgeting, say got your attention. It kind of like, okay? We don't have as much money as we pretend that we do. Okay. All right. So sure Carmen, I know her pretty well. She's pretty sweet. So I don't doubt she's real interfering. She's not that would be my guess, she did she play a part, and you guys getting this turned around though, she will she gave me the book well before our marriage, and I had to following the book we had been technically debt free when we got married. The house. And then when we got married, we got a car, and we went to eat as often as we want it to fund year our honeymoon year, if you will and then the grad school kicked in and that's when I. That. Okay. And then you just parlay that all the way through the house knocked the house out. Well, yes, we were doing once we've paid off the car or the car we had enough money for the emergency fund. And we were doing all the other steps, and we were going right along with it until two years ago when Gina Lahser job, and that was a bit of a wakeup call for us because we wanted to leverage to be able to allow her to do whatever she wanted and the only teaching job available at the time that she really liked was it paid nothing. And so she went in that she says into healthcare not out of. What she wanted to do or really why new courtesy wanted to pursue. But out of necessity, right? And so when we realize okay, this is not what we want to be. We want to be done in. If we didn't have the albatross. That is the house we could afford if we wanted to to take lower paying job right to pursue, you know, ARGUS hires dreams, right? So and that that was the one that really kicked off like we kind of we did a Davish plan where that point we just moved step six as if it was too. So we were like, okay. Let's just pretend we're doing our budget and at the end of the month, whatever it was leftover was going to the house. We switched it everything that we wanted to we how much does it take to pay it off in two years that payment in the beginning of the month. And then the rest of the budget has taken care of. Okay. Then you gotta live on what's left. Exactly. So we flipped out. So what do you tell people to key to getting out of debt is? Discipline, and you just have to let some of the things that you really want to do go. I'm I'm the social butterfly. I'm he's the anchor. And so it's hard to say, no, it's hard to say. I can't go this weekend. I can't do these things. But you know, you've got a you've got a focus in buckle down. And let let things go sometimes. And we had a lot of support along the way a lot of just people saying, it's okay and encouraging us the entire way. So I'm gonna courage everyone out there that the same thing. You can do this very cool. You can do this good for you. And who are your biggest cheerleaders outside the two of you? Well, my parents. That we have so. Vital in allowing me to sometimes event just to talk about just being series of money. Sometimes even when you have a good budget. And you know, how everything's going you could just vent like, you know, what it's not going to want because life is never cookie cutter. Right. Always live has something to throw at you that you don't expect. We also had. We're very blessed that we have a nice a good core of friends that just supported us surrounded us. And while sometimes they did make fun of us. It was always fun spirit. It was never as of you know, trying to talk down to us or put us down themselves feel better. It was it was always we felt support. And they understood no, maybe not this month next month. We could do that. Yeah. Very cool. It was. Yeah. It was nice. Well, congratulations. You're very proud of you know, Carmen. Well done we've got a copy of Chris Hogan's book for you everyday millionaires. That'll be the next chapter in your story, outlive, Mary people built extraordinary wealth, and how you can to show you exactly how to do that next chapter. You got a house paid for it thirty seven and thirty seven impressive. I mean, this is well done. Well, all right Orlando and Gina in Nashville one hundred thousand dollars paid off. Allison, everything weird people four years. They did it making seventy five to fifty five to eighty five count it down. Let's hear a debt free scream three two one. We'll done you guys. Very very very well done, man. That's awesome. Very cool. Yeah. Your mom works here. Probably could have an effect on this. Couldn't could. I mean, you know, when he's about doing the budget. You cannot do it retroactive like that. That's what they discovered right? You have to get in front of it. You have to before the month begins give every dollar a name, if you get to the end of the month, and you have too much month lifted then the money, you wonder where your money went. There's a way to skip all that money stress, the free budgeting app takes ten minutes to put together your budget is called every dollar. We spent millions of dollars on this thing and several years building it iterating it it's robust. It's elegant. It gets it done. It's simple to use six million budgeters us every dollar. You can join them. You'll find out what they know that you don't know that when you control your money, you have more of it. Everydollar dot com. Download it for your phone from any of your stores for your app stores every dollar. It's completely free. Check it out. This is the Dave Ramsey show. Ryan is with us in Raleigh, North Carolina. Brian, how are you? Dave, how are you better than I deserve? What's up? You so Meena life just became debt-free. I'm twenty nine she's twenty six our houses paid off all our paid off. And we have about fifty thousand dollars saved up. We're looking to make the next step into investing for the future. My wife. She kind of made this goal like to be, you know, have a million dollars in assets by the time, she's forty and we're kind of looking for your voice on our playing for best thing for the future. So our plan right now is we make about hundred thousand after taxes we live about half of that. And our plans future really half percent for going to our time it and we're thinking about like fifty percent into mutual funds and fifty percents like cash, so our thinking was if there's ever downturn in the future, we can kind of take advantage of that and have of money ready to take advantage of that situation. And we're when you know, do you think should put? More money until like funds, or should we how much we keeping the liquid assets for thing vantage of problems in the future. You know, what I would do is make sure you have your emergency fund in place. Like, we always talk about your aware of that, obviously. And as you said be putting fifteen percent away and above that. I don't see any reason to not just move above that. Do you own a home? Yes. Is it paid for? Wow. Why did go? What's it worth bake? You we've paid a hundred and forty four and I think we just gotta set one hundred sixty five for you. Well, okay. Well, you know, above the mutual. I mean above your fifteen percent going into retirement, you really your past baby step for Europe. But we call baby step seven because your home is paid for. So then what I would do is look at your percentages and say, okay, I have X number of dollars to invest beyond. In your case. You're trying to say we're going to try to do fifty thousand dollars a year. We're gonna live on fifty thousand a year. Thank heard that. Okay. Yeah. Out of the fifty th if you maxed out all retirement that was available to you roths, and 4._0._1._K's and everything how much of the fifty thousand would that use up. Do you know? So for me, it would use up about eighteen thousand and then I'm not sure for. For me. That's already included in that. So that's already taken out city. Thousands would be was left over after. She has okay. Maybe maybe I report in consented. Like, maybe forty thousand. Okay. All right. It would use. It would use up of the fifty thousand years up ten thousand more is that what you're saying. Yes. Okay. And you have forty thousand to do something else with. Beyond maxed out retirements while you are going to be very wealthy. The the above that what I did Brian in your exact situation when I'm in baby step seven maxed out all my retirements, everything above that. I started dumping it into mutual funds and ever so often I would take the money out of those mutual funds. If I could find a deal on real estate, and I will buy piece of real estate for cash after my mutual funds built up, and I just used a simple S and P five hundred index fund because it's no commissions, and and it I don't mind paying a commission on for a long term investment. But where I may be pulling it back out in three years those commissions, really damage my returns, and so on short term using a mutual fund for short term investment always tried to know load, and I used to Nessin P five hundred and I'll just dump money matter of fact, I still have that NPR's dump money in there until I find a piece of real estate, and then and what's ended up happening? Now if you fast forward, and I'm almost sixty fifty eight years old. I ended up with a whole lot more real estate than it did mutual funds as a result. But I love real estate. And so and the downturn in two thousand eight I stole a bunch of real estate. I mean, I got deals right? But I was in a cash position to get deals because I had done exactly what you're planning to do. So I actually love your overall strategy. And I would just say max out your retirement and everything above that, you if you wanna buy other things or you just want to have it available in case, there's something you can buy a deal in a downturn. And always cycles in the economy bright now, it's tough to find a deal on real estate in most markets, you can find them, but they're very very hard to find because the markets are just hot. But when these markets co stone on them it that's the town of by. And we bought. Bought a lot of real estate in eight no nine all lot. And basically during cash position down almost nothing. But and then it's shot way up in value. So it's turned out to be just as huge second wave of wealth building that I didn't even -ticipant, but I just like real estate, and that's how it worked out though. So cool, man. It's a great plan. You got a like it sickly? What I did Jordan is in Wichita Kansas high. Jordan, welcome to the Dave Ramsey show. Hi, how can I help? So how do you commend handling medical bills because my house how they net of about? Forty to forty five depending on how much extra jobs we pick up the year that I was just slapped with a twelve thousand dollar estimate for a necessary surgery. You were just hit with an estimate for a necessary surgery. You don't have health insurance. I have health insurance. But even with the dental coverage and the health coverage, it's still going to cost us tennis. The has made it after cost. This is dental insurance. Our dental surgery. Yes. All my teeth are just rotten down my school. And it's past time to get them six. I'm sorry old. Are you twenty four? Wow. Okay. What do you guys? What's your household income as gross on paper about fifty to fifty five net? We bring home about three thirty three hundred a month. That means you have too much coming out of your check or you have money going into a 4._0._1._K, which is you'll get big refunds on your taxes. Nope. I only paid fifty bucks this year, no refunds. Then you putting something else in because you don't have a fourteen thousand dollar tax Bill. On a fifty thousand dollar income. And that's the numbers you just gave me so something's wrong with your take home pay. But when need are you got stuff coming out of your check at work medical insurance, Bendel vision that other than that not that I'm aware of I end. Anyway, what does it cost? I think the last estimate I saw was about two fifty a check so about four to five month. Well, you know, if I woke up in your shoes. What would I do? I'm gonna pay cash for whatever I do. And I'm in where you're talking about this extensive dental work. I'm going to get a second third. Maybe even fourth opinions for that matter estimates on a job the size. I'm not gonna take just one person's word, by the way, I did have one dentist when I was twenty six and we were and we were going into bankruptcy. I went in for a simple filling and told me I had to have thirty five hundred dollars worth of work done or I was going to lose my teeth. I still have them, and I never went back to that dentist. So you must saying all dentists are that way, they're not this particular guy was really trying to fund his kids college apparently on my mouth. So I want you to get I want you to get a couple estimates and really firm it up and then lay out a detailed game plan of exactly where you're. Gonna find your ten thousand bucks, and that's going to be working extra a lot and delaying the surgery until you can have the money together. And that's how you do it. If you go into debt to do this. And you just go with the first person you've come to you're going to overpay. And you're not gonna think about it. And then you're going to think about it for the rest of your dad gum decade, while you clean, the mess up that you're getting ready to make financially so save up and pay cash. Get estimates. Become an expert on what you're getting ready to do. With the dental surgery. Sorry, you're facing this is that Ramsey show. Hey, it's Blake Thompson senior executive producer for the show. You can listen or watch anywhere. The Dave Ramsey show. Apple your smartphone. Catch the full show or watch the highlights and check out Dave's upcoming guests heads the app store and download it today. Hey, if you've got questions about retirement investing, becoming an everyday millionaire, go bigger and broader with my man Chris HOGAN on the Chris HOGAN show. I am excited to be able to talk to you all weekend and week out. We're going to focus on your calls, and it's going to focus on building wealth investing, and how to become an everyday millionaire. Subscribe or the Chris HOGAN show wherever you listen to podcasts. Hey, James, producer of the Dave Ramsey show. This episode is over the check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.
February 29, 2020 National Time Refund Day | National Rare Disease Day USA
"This is the national daily. Welcome to February Twenty Ninth Twenty Twenty on the National Day calendar. Today we celebrate a time machine birthday and the race against time for the rare few more after the break from our founder. Marlow Anderson if you ever reason to celebrate every day why not share it with the world our celebrate every day t shirts in gear spark conversations wherever they go and you never know where a good conversation can lead. You join the celebration. Nation by picking up your own feel-good wear on our website. National Day calendar Dot Com if you were born on this day. Congratulations for looking so young. It appears you found the Fountain of Youth or the secret to aging at the rate of the Olympic Games and spoiler alert to those who are still mystified. The phenomenon known as leap year includes the extra day of February twenty-ninth only once every four years also known as an Inter Calorie Year. The extra day keeps us in line with the seasons. Celebrate National Time Refund Day. With a shrug or a smug smile if today is your birthday. National Rare Disease Day brings awareness to the unsung heroes who research and look for cures for diseases that affect only a relative few of US depending on where you live. Celebrities affected by these ailments are now coming forward in hopes of lending a voice to this cause and to offer hope to those who feel alone in their affliction. These include George Clooney Kristin Chenoweth Jimmy. Kimmel and see what we got going on tomorrow. Tomorrow WE KICK OFF National Peace Corps Week and be sure. Go to the grocery store to get ready for National Peanut Lovers Day and anything else you find dadgum good learn more by following us at National Day calendar Dot Com for on facebook instagram and twitter. And thanks for joining us on our journey as we celebrate every day. Combeback again tomorrow.
Covering For Their Inabilities
"Senior life journeys presents Carol howls. Let's talk dementia. Appalled cast designed to help care givers. Find knowledge power hope and smiles in their dementia caregiving journey. Welcome to let's talk dementia. Here's your host bestselling author Carol. Welcome to let's talk dementia. Care on how glad you chosen to join me statistics. Tell me that as a day, June night. We have listeners in seventy three countries. We are constantly growing in, I thank you for being among those listeners. Let's talk dementias brought to you by national sociation of veterans and families. You can find him at WWW dot in a f dot ORG or eight hundred three five to, to nine one nine national sociation veterans, they speak veteran, so you don't have to today. I wanna talk to you about the subject of how one spouse will cover for the other as in covering for their mistakes or their inabilities shortcomings, or whatever. Well, sort of this, what we're supposed to do aren't we, I think, in a good marriage were always looking out for each other and seeing where one person might have a little less capability than the other we step up and help even out. The playing field. So to speak. It's kinda like two halves coming together to make a hole. And neither one of the people in a relationship of any kind has every ability. But when we come together, we bring together, different ability, sets and skill sets, which make us better people as we worked together. Amen. Amen. Well, in the process of someone caregiving for a spouse with dementia, way often see one spouse truly covering for the other, especially in the early years of their disease. We will see them making sure that, if the conversation, let's listen oppose. It's the female who has dementia custody statistically more women have it than men. So the wife has dementia, and we see the conversation as the husband going towards the subject. They may begin to struggle with we realize they're not quickly coming up with the responses or their memories, not serving them. Well, you know, the husband will just jump, right? It in there and finish that story for them or answer on their behalf at first in a group of individuals that does not seem obvious. It's like, oh well, you know, John always does like to talk, and he was talking to for Mary today. Just field in Ryan for her. You think that much about it after a while people do began to notice because, as the caregiver we have a tendency to do it more frequently mainland, because we need to do more frequently because our loved ones are remembering less and less. I think that's okay. But I think what you don't want to do in this situation is just a jump in every dadgum. Tom give your loved one a minute, even if they stammer or stutter, give them, a second to see if that memory is going to pop up, and allow them to have that opportunity to participate in that conversation. Even if the memory doesn't pop up correctly, who cares? We just don't care. It is okay. As long as we can allow them participate in that conversation. Now, if they're going to give out some information that's really going to change the course of future. Okay. Correct. But heck that happened. So few I mean, we just don't talk about important stuff. You guys know that ninety percent of what we talk about. Nobody wants to hear willing set for this podcast, of course, but you want to allow them to participate. However, that story comes out now if you realize that after a while that, they really are very uncomfortable, and they don't know what to say then you want to jump right in and go, you know, I don't think Mary was there that day. Let me tell you what happened. If you have to change the fats a little bit to bring that situation to a conclusion, whereby Mary, still feels comfortable in accepted. I really don't care what you tell people you just bring Mary through that feeling good about herself and not feeling less van because she couldn't remember or couldn't participate in. Conversation, does that make sense to you. So we cover for our spouses in the process of spending time with others, I think as caregivers way, get so used to needing to do four our loved ones that we may be, don't let them do for themselves things that they could think about that in your caregiving journey just because last week when you went to bait your mom, you had to physically wash every part of her doesn't mean that this week that you have to do that. There is the possibility that she's feeling better that she slept better better that she's less stressed or less agitated. She very well might be able to assist you more fully with bathing give her that wash cloth in asker was she washed her face in. See how much she can participate next week. She may not be able to do it at all, and you have to take over, but give folks opportunity to participate in life. Think about in that process. Of preparing a meal in, you know that last night, they couldn't help you do anything, but they've had a good day and they seem to be together and it's lunchtime, I don't think I would try this at dinnertime because of sun downing issues, but maybe breakfasts are launching say. How about you come in here? Could you put jelly on the toast? Could you put peanut butter on the brand? We're gonna have sandwiches allow him to participate, and I'm gonna tell you, if that peanut butter doesn't look perfect on the bread, don't fix it. It's not your job to make everything. Right. Just go with it as it is some a little tip for you is for lunch today. I want you to take a tortilla of any size that you so desire, and I want you put some peanut butter on it in some of your favorite jelly. I want you to fold it in half heat up a frying pans, spray a little butter spy on both sides of that tortilla. That's got peanut butter and jelly voted in half in fry that little jewel in the frying pan and get it. Dr then send me note, and tell me how happy your taste buds became. That is such a wonderful snack. Now when you go to eat at let it cool a little bit. 'cause you know hot peanut butter burns, we do that around our house. We do. It was permitted cheese and I'll fry eggs and we'll put eggs inside of it. When I fried that I actually saw the outside of that tortilla just a little bit in. It's just so very good. I've fixed it for my friend Peggy a couple of weeks ago. And she said, who knew all these years. I've never tried it saw that may be never tried it and you needed an idea for lunch today. Well, I hope you have that for lunch a hope you enjoy. And I hope you get your kit year person. You're caring for your L O your loved one involved in the making of that tortilla in think about me when you eat it. Let's talk Dementieva's brought to you by national association of veterans and families. Contact them at eight hundred three five two two nine one nine. If you need benefits for the veteran, or the spouse of the veteran for care directly related to their physical being give them a call Tobin Carol since you blessings, this miles on your day. Bye. Thanks for joining us today for Powell howls. Let's talk dementia to learn more about dementia. We recommend carols bestselling book, also titled. Let's talk dementia. It's available on Amazon in paperback and kindle versions, be sure to like, let's talk dementia on Facebook and leave us a kind word of review on, I tunes, remember knowledge brings power power brings hope hope bring smiles. And we all need more smiles. Thanks for joining us today, and we'll be right here when you come back to let's talk dementia.
Normal Sucks! It's Time to Be Weird!
"It's Monday, and this is the Ramsey call of the day. Ramsey network. Joining me today, Ramsey personality Chris Hogan. I was looking at the statistics on the show and we not only have. Listeners that have been with us on radio and podcast and Youtube for many many years in some cases decades, but we've got a new batch. Coming in. Almost daily the numbers on the podcast and Youtube growth in our ratings on radio are all skyrocketing and show. It occurs to me that occasionally instead of just answering questions, we ought to stop and go. You know teach some basic stuff here. And yet it always. It was the first time. I got hate mail. From somebody saying that I was crazy and you shouldn't cut up your credit cards and that you should, you don't need to live on a budget and whatever I was Kinda tickled. because. I. Thought you know that's just weird. I never thought you would talk about helping somebody with their money and you get hate mail. But we can bail are frigging hate mail around here. For kindling in the winter. I mean it comes into by the BUSHEL. And certainly, those of you that without any backbone at all, don't sign the letters of course, and we don't answer hate mail. We answer other letters, but and you know, and of course, digital world you can. You can say anything you want to say behind an Avatar because your complete Wuss, and so people say all kinds of crazy stuff. But what what all that means is not that. We're thin skinned. We don't that. We don't. We don't love criticism, but anytime you stand for something. It immediately means that you stand against something else. That's right. You can't. It's. It's a, it's philosophically theologically impossible to not pick a fight. When you stand for something. You weren't trying to pick a fight. It's not what you're trying to do. But when we say listen don't be normal normal broke seventy, eight percent of Americans live paycheck to paycheck. You always talk about driving down your street, right? That's right and you can see this. Dave. And you think about it. You know when I first joined after having been in the in the former. Former industry of banking I was in shocking. Yeah. You come over and I would hear you talk about stats, but you talked about him in the way that it, it was it representing individuals and families, and so when you hear seventy percent of living paycheck to paycheck I, tell people think of ten of your friends. Now, some people don't have ten brought to from somebody. But but think of ten that means eight out of ten of your friends are living paycheck to paycheck and you bring it closer to home. You think of ten family members. And so when people on your straight on your houses down, your street, anywhere you go and so in any neighborhood, any? Yes. Not just the big houses in any house, and so as I hear that and the the teaching. Got More and more personal for me. Because now, when I hear the stats, I think of family members, I think people, and so you know it is it a, here's the thing if you keep doing. What you've been doing? Yeah. Duh. You'RE GONNA. Keep getting. What you've been getting. If you plant corn, don't be shocked the corn grow. If you plant nothing, don't be shocked that you have a dirt farm. I mean, why would you be shocked? But we're always like we keep using the same recipe wanting chocolate cake. It always turns out vanilla. Chang's recipe. So. quit doing stupid stuff that gave you mediocre or bad results in your life, and that's what happened to me. I went broke and I said this doesn't work this crap that I've been taught and the culture believes you borrow your way into prosperity is absolutely moron yeah. It's ridiculous where they get debt Dave MD, understand. No, you don't understand. You're an idiot. We've got this figured out when you don't have any payments, it is the shortest path to wealth. Why. Is this are? No, well, you told me what's the percentage of homes Dave get foreclosed on? That are paid off zero? Yeah, we did detailed. Research and so I think American Express calls my house. It's a wrong number. There's no business there. No I don't have. I don't know American distress, but here's the thing when you start to go against the norm, people are going to have opinions. People going to have opinions. So listen what we're telling you folks. This is if you're broke friends or making fun of your new Ramsey financial. Plan. That means you're on track. I mean fat people are making fun of your Diet. It means your own track. You know. Just it seriously think about it normal is not excellent. That's right. Normal. Sucks. Though normal is you live paycheck to paycheck your whole life and your hope the government which is well known for its ability to handle money. We'll take care of you. That's dumber than Iraq. It is and Dave according to this listen to extra six, hundred people have been getting on unemployment is running out next month. Dang. The did your comfort zone is gone. You're. GonNa, do the cavalry is not coming out of Washington. DC turns out. You are responsible for you. And you can do this. Is it easy? No Lord? No easy. Always Fun excellence is never easy yeah yeah mediocrities always easy. Losing is easy. Quitting is easy laying down as he's getting run over easy. Fell pushing back and saying not me as for me and my house. We're not doing it this way. We're going to save money. We're going to be outrageously generous. We're GONNA live on a plan, and if you will make finding, you ain't bad, you can't go out to eat or kiss my, but my kids college funds funded. Sorry. I mean really how you like me. Now you know you've got to be more concerned about your future than you are somebody. Else's opinion because I gotTa tell you when you're seventy four going to be standing there feeding you, they're not going to protect you and you're absolutely right and so that was the power of the what. What now event that we did that visceral moment of never again, I'm GonNa tell you. My social media lit up, I had friends reach out and they say, you know what? You Dave and Rachel shook my cage. A said we we. We said our spouses together. They said we said never again and it was just this thing, and if you haven't seen it, you need to tap into it. You need to go watch it because it was America's wakeup call. I'm GonNa tell you when you start getting out of debt and you're living on a budget. And you're Walkin the baby steps and you're building your emergency fund. And you are doing this and you're doing that they're smart things with money. You're reading on your spouse, your slowing down. You're not acting like a four year old on the cereal aisle. I deserve it. I'm entitled. You're entitled. You're just a brand. You know that's ridiculous. You're entitled nothing unless you killed it and drug home. That's what you're entitled to. That's it, and even then you give half to your governments for people that think they are entitled. So if you're doing these things, you one hundred percent of the time are going to have people that don't understand your upcoming success. Yes. One hundred percent of the time these people are known as losers. And you need to spend less time with them because losers always tear down someone. Else's dream Davis. The crab in the bucket come on back down here with me staying here. It's comfy. Yeah. Don't don't don't let the other crawl crawl out. You got slap them. Yeah. Slap crap yeah. You forgot your upbringing. Dadgum right I forgot parts of it. I left it behind right I. lifted over there across attraction. Keep it. I'm grown. Thanks for tuning into the Ramsey call of the day, check out all of our podcast, just search Ramsey network on apple podcasts spotify or wherever you listen.
Surgically Picking People Apart
"Working People like you from building rugged dear that's tougher than any I are worst day of work to reengineering the classics to outworked the Future Trust your car hard no one's been part of more first days of work than car heart and in the same way rookies earning respect car heart never stops earning the respect of hard about troubling this stuff that was -sconsin struggled with defensively because we haven't really seen them struggle it's exactly what Ohio state does I mean zone but college football podcast with Herbie and pollick now James Tested against good teams we got a little taste of that with the war again Auburn at the start of the season Florida Miami at the start of the season differences of this weekend because I I Kinda WanNa see Ohio State tested and and and that goes into what we just talked about the start here like you want to see these it just stinks though because one of the big match ups we circled for this weekend maybe the biggest match up we've been talking about this for weeks Wisconsin versus once with so many are late in the season that things are going a little too fast for me the football season David Willis do you feel that same way right now story this weekend and it's going to be a big store the next two two weekends because the unknown here we had November nine circled Lsu going to Alabama reads RPO's it stuff that's going to be magnified times ten this week so it's going to be really really interesting to watch Wisconsin's defense and that sticks Jack Cohn made a mistake at the end of the game execution mistake that he could have done better but I thought there were plenty of plays along the way that dictated the narrative in penalties lovey Smith they stunned them at home were you stunned by anything that you saw because to me the the play calling at the end it was just out of the norm for here's your host Kevin Mugabe are weeknight is fast approaching and I'm struggling with one thing this season I want all the best matchups the big very good and it's not good opponent so it's still we're still scratching our head about certain teams and we do this every year but we're GonNa get our answers we're getting we're getting them slowly but surely and with that that ankle surgery how does that impact how does that change what Alabama's going to do not this week against Arkansas but in preparation for that November oh hi what are we gonNA learn here these are the top two teams in the big ten you can make a case and then the badgers they were called looking ahead and then the fighting bakes stuff that Wisconsin. I'll tell you what Kevin if you WanNa talk about troubling yeah I'm Gonna I'm GonNa do a breakdown today tape for college football live too but if you want to goal to go in and they hand the ball off to Jonathan Taylor Nail Times he doesn't touch the football like to me that's more disturbing in those situations like check yeah I just like Wisconsin and the stuff that happens every week is we only have the tape that we have to compare people against two they've played in a lot of times that's not mistakes earlier in the game to where Jonathan Taylor the Games in hand they're up ten he fumbles the ball on their side of the field when you're giving up points I think the more puzzling thing to me kristen I'm sitting there like you have the best back in the country and you're not going to give him the ball here to take some time off the clock well and again it's cumulative right so there was a bunch of strive right out of a break and so I think that you've seen plenty of great wide receivers across the country that that you'd watch them on tape and you go man this guy has to be aggressive you can tell it's a different style approach how about earlier in the game when they're inside the red zone and they have opportunities and they go for it on fourth down inside the Golan actually fees morsels right and follow the path of art who's the teams and then you lose that type of matchup and then that leads into another played a great game he was very efficient you want them to go make another first down and salt the game less than we always do the if we could have done this if we could've done that game special stuff but they don't play with a quarterback how does this offense look without to this is a this is not a this is not a smashmouth running offense anymore now listen now what we want to see I think any fan wants to see in the country aside from Lsu fans is one hundred percent health on both sides and we're not going to get that with my lower a better team that night but it takes it does take some of the luster off and here's the thing I don't know that Alabama has a Mulligan look at the racist right now ACC Clemson's in the driver's seat I game I get a kick out of out of people talking in and they say well Alabama still got three great receivers the chicken and the egg debate you know you always have that every year is it wants to got hurt you can tell through the ball I think twelve times and Jones threw the ball eleven times the rest of the game for two and a half almost three quarters so you could tell there was was listening to win the game the first of all Paul Chris has done this all year long that they're going for fourth downs like crazy on this team they're playing to win they're playing to control the narrative there fifty to seventy percent or does he have to be above seventy percent to beat this Lsu team because many are predicting it's going to be a shootout yeah I think it will be a shootout Italy so but I just think it's going to be interesting debate to watch this team in what they are in and yeah it does pull down the road but to get healthy last year off this same Sir Lia shift and and Alabama's defense scored on a fumble return that was you know one hundred two yards and Jeremy prude obviously not very happy on the sidelines with his quarterback a spot in the College Football playoff. Well I don't know that Alabama's GonNa get a Mulligan this year and especially you talk about Lsu's out of conference schedule when they go play at exit a step up in the pocket and breaks a tackle and then makes magic happen you take away a couple of osen and it's going to be difficult but I still think Alabama is very much going to be in that game maybe it's not as big of a shootout as we think maybe it's a little bit more low scoring but I definitely think that both quarterbacks have had their way with every defense they've seen let's talk so help me understand that you know it's really hard to predict too but I can Alabama beat Lsu with two at are good corners that I think they can literally do a great job of of messing up the rhythm and messing up the timing of those wide receivers and play jam and play press and she you gotTa Bring Your a game and he's done every single week despite what the defense does despite what anybody does he he just balls and I like what I've seen from him consistently making the decision it just it's not possible that surgery off of a high ankle sprain so we're going to see Lsu in Alabama and it will lose a little steam but it's still going to have plenty of juice in here's the thing great news for Alabama is at home I mean that makes again the hardest thing to do in college football go on the road and win that's a that's a very difficult thing to do the jury was tight rope surgery on the ankle and he came back and he was very very productive against Oklahoma and a struggle against Clemson I don't think it has anything to do with the ankle I think he just got beat by to start a sexist Lsu right like we got a little taste notre towards yeah Florida Auburn you just get a little bit and then you're trying to build this story that's going to be something we evaluate but I just I don't know that we're not gonna get them the healthiest version of in a couple of weeks when they play Lsu is not going to happen Jalen hurts who's the best quarterback in the country right now in your mind I I would take Jill borough from what I've seen from from Joe Borough he's he's a top list man he's just the different elements that might be harder to stop because he does it with his legs and his arm they can't do what borough does with his arm in the passing game and the accuracy access and have that huge Dadgum win so if Lsu beats him and listen the criteria by the committee that we were told member years and years ago the injuries were a part of the evaluation process it's hard to compare rap versus country and classical and who's the best at those different varieties so in that same vein it's hard to compare those talking about if you're asking me to pick Kevin Justin field brings a different element in that offense that might be harder to stop by the way and Jalen hurts the reeds they can't do that and now he can't run like them now he's mobile enough to get outside the pocket and make plays and and by time so I think stylistically pickup type game from from that point Alabama's got some great corners not good like great lockdown corners you know it'll be interesting to with Lsu Lsu has four so I think it gives them a little bit of an advantage of being at home but I don't know if they can I say that listen I I still think too can sit back in the pocket so you feel really good about them those are two teams the possibility of them get in the playoffs are very strong so who's left Ohio state obviously has the or the big ten is going to get scramble around and and slice up Lsu's defense and go back and forth put those it's those couple plays when when when chase comes off the edge and does win and to and I just think that he's played the position better than anybody and he's played it more constant Nelson Justin field has a legitimate argument jalen hurts has a legitimate argument but I was talking about the optics of where Tennessee is and what they're doing but he said understand the history of Garin Tato like he doesn't know what exactly went down he's answered every question is answered an emphatic Lii and just I know last week I know Mississippi state stinks guys but after a huge game when you go on the road and an atmosphere like that do it by the way thanks for listening to the podcast he he's an old school guy he understands what Jeremy's approach was I think when you look at the optics the generational difference now is crazy I'm a youth league football coach man and you see it with kids now in the way they respond to everything and we're so much about feeling this or is that a is at the wide receivers or is it too I think these wide receivers are great but you know why they lead the country and Yak because to put the ball in their dadgum numbers in guys but Joe Borough as a quarterback surgically picking people apart him in to have been the best when I watched them play the position at the quarterback position and throw the ball. What about the quarterbacks with when you look at the injury to a and Vegas noticing because two is no longer the favorite to win the Heisman it's now a tie between Joe Borough and each generation of kids grabbing that facemasks weather was strong or whether it was harder not can be misconstrued with with with with kids these days issue I mean again if you grab your face mask and you twist that puppy and you get all up in the kitchen and you and you physically start to manipulate the face I mean that was like it's been the best nail will learn a little bit more about Lsu as well this weekend because they've got a big match against Auburn so I cannot wait to see how borough response against that defense it doesn't that stuff and it's the world we live in now you can you can't do stuff like that even remotely more otherwise people are going to get upset not my last point on Monday in that conversation things at a perception of the Z. in control Listen you can go off I could see you could go off but just the in with today's you see winningest Mississippi State and now a competitive game against Bam it wasn't it wasn't a beat down the circumstances obviously we're different without too but I think they competed in played hard you just gotTa be aware that in for the Tigers as you look at their schedule and and as I've discussed here November nine showdown at Tuscaloosa you mentioned Pruitt and we I brought up that when you have a guy like Pruitt who's leading a program where you know I think the you know the microscope is all over him and how he handles the what if it was a misplaced way we found it was a miscommunication at least that's what Pruitt said but he had no real problem with it because guarantee has been a guy that's been on and off with Pruitt here's the problem by Pruitt doing what he did by just even that little touch the helmet and the facemask a change the conversation and it became about the Asian with Herbie though was was something you just brought up Tennessee played really well for three quarters and that that mishap in the fourth quarter it's twenty eight thirteen they scored is day and the behavior of the head coach and how he handles things instead of hey man Tennessee maybe things are turning around because what we're seeing with them being engaged on the field the entire time and by the way you brought up you coach ten and twelve year olds what's the toughest challenge by by the way there's a winner and loser there's not a trophy at the end of the tunnel for everybody and that's my biggest thing in my biggest stress is I don't care how you feel we've got beat we gotta keep going behavior on the sidelines and took away from the kids performance of playing hard and that's one of the biggest issues for Tennessee season right playing hard did they give up again Georgia state did they not give all their best year the beginning of the season and some of these contests and that's the that's the shame of this whole thing that we're talking about this on when the ten my seven year old my seven year old talks about football every single night and he talks about when I get in the NFL and I'm like I love this I love you gotTa keep fighting and you can't quit and you can't let anything bother you because your effort and your attitude resolve it matters not the winning and losing you can coach my kids when they're ready don't worry about results results take care of themselves you're not always going to be the best you're not always going to win but you have to learn that every play requires fight and every anyways and enough people around and there's GonNa spew negatively because of how they've played and you could argue I think they've kind of turned the ship a little bit and kind of the last couple of weeks with an so upset with that and I think there are other guys that have no problem with it at all and I would be one of those guys by the way if he grabbed my face mask is in view things it's just it's just a totally different thing so if you're pruitt you need to be aware of it and make sure you don't do it just so you don't listen he's got enough heat on his job is to keep doing their job long after you begin doing yours since eighteen eighty nine car hurts got your back twenty four seven visit car heart dot com forward slash CFP the at Herbie's thoughts here about how proud handled the conversation what did he say he said listen he's an old school guy live around him because it's going to get blown up regardless I you know it's the first of all I'm glad you brought it down for all of our listeners because everybody probably just tunes in when I think understanding giving them an understanding that every single play matters and that every rep matters that you have to compete as hard as you can and to me it's always it's never about like any little tug you know what I'm saying like he wasn't a malicious I've had my face mask grabbed ten times harder than that
The Marketplace is Looking Optimistic
"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 pay it off home mortgage has taken the place of the BMW as the status symbol of choice. It's an entree leadership theme our welcome to small business land as we talk to leaders and owners of small businesses and for that matter businesses questions about business questions about leadership questions about small business this hour the phone number. Triple eight eight to five five two two five. My Co host the panel for the our Daniel Tardy Daniels executive vice president of entree leadership or we teach and work with small businesses tens of thousands of them every year and he and his team do a great job with that. Also sits on our operating board Ken Coleman Ramsey personality my other co host and on the panel for the our his here to answer your questions as well from the Ken Coleman Show Works with folks on getting jobs on career. So we're GONNA talk business economy. We're GONNA talk about jobs. We're GONNA talk about jobs. We're GONNA talk about thirty. Six million people being used the phone number is triple eight. Eight to five five two two. Lots of small businesses have failed Daniel. Lots of during this time lots of them have succeeded beyond their wildest imagination or making more money than ever made in their life. Yeah because they happen to be in business that was in great need right now And then some of the others are right in the middle just hanging on Lots of them are trying to reopen right now. And some of them are experiencing labor shortages. We'll talk about that a little while. But we've seen a spectrum have no doubt it is a crazy couple of months for businesses anywhere and especially small businesses. There's actually another group and I keyed in on this yesterday and I got excited and I started thinking about you know how inspired I am by the number of businesses. That are starting right now. I bought a product. Yesterday that didn't exist a month ago. Our Buddy Willink the seal from living with seal he launched his product on social media. Jumped on there and got it either bag that you fill up with your own gravel to turn it into a kettle bell. Everybody's trying to figure out how to work out from home right now and so. He got with Peril Company. Product did not exist. The ships out to you so it's not the the wait have to build a big iron kettle. Bill incidentally drawing fill it up for him you fill it up with rocks or sand or something but you can get your workout in and I. I paid seventy five bucks for two of these things. They're awesome. They're like nice leather saddle leather and I thought this thing didn't exist a month ago. How many companies right now are popping up some hopping up and there's a product. We can do something about this. That's what I love about entrepreneurs. That's how they think we're problem solver. That's right and there's lots of problems to solve right now. We had Dr Art Laffer on last hour and He's the father of supply-side economics. Sitting on the Trump administration's economic recovery council. Right now as part of that winner of the Presidential Medal and He and his research team at laugher are predicting The states that are reopening are going to be fully recovered and into boom by the end of summer. That was pretty inspiring. Because you know most people are thinking. It's going to be that fast. But they're seeing their seeing a real checkmark on the states. That are reopening. He said there states that You know like northeast primarily is GonNa really struggle according to him Jersey New York higher populated areas with how quickly they How hard they got hit by covert and how quickly they reopened governors this this and He's in California. Still a mixed bag because they they're back and forth You know one minute they were going to open next minute. They're not going to open and one minute you know. And they're all over the place and you know mayor of La saying they're gonNA shut down all summer but if you're shut down all summer you're obviously not going to recover in the summer so But economic recovery in the states that reopening We're already seeing that with the small businesses. We're in contact with shirt. No doubt and I mean we've seen it in the stock market it's been rallying in it's close to an all time high. It's not quite there yet but Great News coming out about vaccines and I mean. There's just so much to be optimistic about right now and I think small business owners are leading the way and being innovative being positive for thinking and the truth is the ones that are thinking about five years from now where their business is going to be in five years. Those are the ones that are GONNA win. If you're thinking about the next five minutes you're going to be frustrated but we're talking about the the idea of vision and vision casting and looking out in the future four to five years out. You got a big beautiful new business that you're looking at if that's that's the mindset that you have right now yeah we were talking art you know. And and when you're talking to a world famous literally world famous economist. We're reminded what the United States economy basically revolves around. We hear service based economy. It's essentially we pass our money around each other right and so what we saw. Is that if we look at the industries that were hardest? Hits look at thirty six point five million jobs. It's important folks. You have context. I'm we'll talk about confidence and just the context is this if you look at the service industries and you look at the retail type industries okay. That's where the majority of these jobs are lost. So what's happened there? We've got consumer confidence that has dropped as a result of the coronavirus that the reporting and we thought. Oh my goodness is going to be awful. And now we're seeing states that again. Many people were criticizing. The governor of Georgia Brian. Kemp Ron Santa's in Florida. The narrative was this. There's going to be literally blood in the streets and the reality is both states have opened. The numbers are really good. It relates to positively our standard economy. Tennessee's on a great job with Governor Bill Lee. And so here's what you all can do. Is You're listening. You are a consumer and so when you're sharing these real life positive stories and then you are to the extent within your budget being responsible but getting back out and showing some over. I can't talk consumer confidence. Here's what's GonNa Happen. It begins to spread. Here's some positive just to kind of drive this point home. We've got the governor of California. That was saying literally folks a week ago. No pro sports until the fall. Yesterday he announced first of June. The pendulum is swinging back. Now I'm GonNa tell you something. We're a consumer driven society. Not just in what we by Dave but in how we view sports and concerts and things like that as the consumer gets confident. Guess what's going to happen The v shape or the shape. Whatever it is art laffer saying is going to come back. We play a role in that consumers. You're you don't have to do it from a patriotic viewpoint. Though but you just have say I'm going to observe was going on around me and I'm GonNa let that dictate my level of fear rather than a newscast. And the newscast of even shifted love where they're putting their emphasis. Yeah well just need to go shopping again. Quite a few visit it onto a little bit await their cove it and we got to go buy a bigger shirt. You know like we gotta go to the mall. I mean there's just an idea like there's this Pinta demand that's just been put on the back and it's going to surge back just one. It's not even just the confidence as just. If you'll just open come in with my money and I'll I'll patronize you. Out as just as a customer service talking about her swear to God. Somebody's people need haircuts around the block. There's going to be a line around the block at these Barbara. I finally got my haircuts. True Story Dadgum Shah. You want some behind the scenes. I ask you where Scooby Doo. Dino got an email from the day that the governor said that those type of places could open up and he said F lie. I showed it to stay silent. You Think Day is trying to tell me so. I told them email me Hogan Tardy. We got no issue with this and we gotTa Make Fun of you right. I get it here. We go small business theme our. We're taking your questions entreleadership. Our with Daniel Tardy. Ken Coleman my co host this hour. This is the Dave Ramsey. Show are you someone. That's addicted to personal growth driven to succeed and you're excited about making a difference for leaders all around the world. Listen up the entree. Leadership team is hiring and right. Now we're on the hunt for an incredible executive coach to serve alongside us in our mission to help small business owners win. So if you WANNA join our team and do work that matters. I want you to text apply today. Two three three four four four again. That's applied today. A one word. No spaces two three three four four four.
Is Houston Back?
"Pardon interruption? But I'm Mike wilbon on assignment in Chicago. I'm Tony Kornheiser. And that assignment is eating steak on rush scree while I mean, that's that's how you get your strength up to make your assignment. I mean, you know, come on Tony. So your assignment is what it's watching northwestern against Wisconsin. Northwestern Wisconsin big big big big big big game tomorrow right on your reporting that poor who exactly again, the wilpon trivial. That's great. That's great. Welcome PTI, boys and girls in today's episode Koby, watches, LeBron the rockets make a big bid for Jimmy Butler, and it feels like doing night for the dodgers. But we begin today with the Houston Texans having their best game of the year at the expense of the Miami Dolphins Houston, scored forty four points. They were led by Sean Watson's five touchdown passes. In fact, Watson had one more touchdown pass than he had incompletions. This was Houston v women row after some people like you will on buried them at Owen free. Can we now take the Texan seriously? Tony, I yeah, I certainly more seriously because the show I'll watch it looks like the kid who was out there last year the first half of the season before he got hurt and had to miss the rest of the season. He's gonna lose will fuller who you saw trotting in the end zone and that long pass. And that's that's a big loss for the Texas, Tony. But when you have a franchise quarterback playing. This way, we've seen this with a young quarterback this year, of course, in Kansas City when you have a young franchise quarterback, you can depend on to put big points on the board. No matter who you're playing. He looks like he's back there. Yeah. You gotta take you serious. So I'm gonna take you back a few weeks when a bunch of teams rolling three including Houston. I believe in Arizona, and Oakland we had a question on this program can any of them come back, and you laughed, and you said, none of them can come back, and I sat here, and I said, I think Houston can come back because I think they have talent on both sides of the ball. And you looked at me send your idiot. Nobody's coming back. I don't remember saying, but I'll give you all credit, I'll presume, you're right those. I actually thought that if they have lost the fourth game. And I believe that was to Indianapolis that they might have fired Bill O'Brien because they had a squad on both offense. And now they've won five in a row, and they're not the most impressive group of people that they have beaten, but Miami was at least four and three going into this. And they scored a lot of points and Watson, he's. Got it. He's got a vade ability like tons like you watch that game here to be totally cornered. And then suddenly he was out. Well, he was out again, Tony. And again, you know, look last year he was not as prolific as Mahomes has been this year. But we saw Watson do it as a rookie. We saw him with Tom Brady like owns did last year. We saw Watson do that. And now it takes you baby a half season to come back from injury like that has his plane. So he looks pretty Dern. Good. And I'll give you credit that forgiving benefit of the decade. The Lakers got their second win last night there. First at home, the Brown James their great new star at a triple double. But early in the fourth quarter with Lakers down six fans began chanting Colby Colby as fate would have Kobe Bryant was himself sport side. Kobe later praised LeBron saying the brand was already Laker family. We'll we'll Kobe's endorsement com. On the LeBron waters. No, no, no. No. No, no, no one thing comes the waters with Laker fans. That's winning. Look, I like to get on all the people along I ninety five in Philly can be obnoxious most any place and just get tired of New Yorkers. I do a sports fans and patting themselves on the back, but Tony did no fans more smug and annoying than Lakers fans. And the only thing that will come them is winning and the Lakers can do that they will win enough for the fans this year, but they'll be on that track. They'll get them predict because Colby gives his blessing. So LeBron is essentially chasing someone he can never catch. All right. John number of titles. Just all the Oro the aura, my friend, David who, you know, very well LA for forty years while there are three gods in LA just three there. Sandy colfax. Magic. Kobe Bryant, that's it. That's the list of actual God like figures, LeBron has maybe three years of quality bands. We had twenty that's Koby. And all in LA. So even if Kobe's been good Kobe has put his arm around him he has but even with that when LeBron misses two shots of all Colby would never Kobe dizziness. Miss them. Because Kobe has a stature that LeBron can't get to out there always been exemplary ex-laker. He has been. I mean, he's there. So that California's says all the right things about the team and who's on it and all that and he's seen, and that's great one thing will satisfy Laker fans. Tony, and let me tell you something not satisfied relative to Kobe just satisfied them period that will be winning. They're going to have to get near that fifty win more USA jested. They're going to get. Agree with you LeBron near that to calm the water, Mike, I'm just saying LeBron's can't win enough aggregate here. Relative to cope. No, no. It's only we haven't talked about Jimmy Butler in I don't know five six days three. And I know you're dying to jump right into this offer. The rockets reportedly making to Minnesota to send the T wolves essentially the maximum allowable four number one draft picks exchanged for Butler this deal with stretch to compensation over seven drafts. Think that's a max to and the rockets within a third all star and some quasi version of a super team. It's a big headline Tony. But as this deal either team would be wise to make let me ask you this question. Are they going to get a better offer the net? Are they going to get anything like that? They're not. That's a great offer. They get no players in return. That's great. Oh, I'm not sure it's a great offer. But I think this is a situation. I think this is a situation where Jimmy Butler is toxic. And they have to move him. Now, if you are if you are the rockets you want Jimmy Butler you want? Yeah. Because mother gives you two things that you don't have right now one is into Fender James harden is not a defender and to he puts you in a position where you look like Golden State 'cause you have wing players who can shoot all the way around. And maybe you say in your mind, I can beat Golden State. If I can't beat him this year, maybe beat them next year if they lose players. So I think I mean, I think if you're I think you take this offer because you can pack these ones down the road to another team here. But apparently from what we've read and if there's no lottery relief that helps you make the cash in the pick. Now, keep pushing it down the road that you can push Ethan down the road over seven years. Look Houston would get in Jimmy Butler. A guy who's a two way player a great to play. By the way, Tony told you the two teams I thought was slip. This year, slip dot crater slip, Philadelphia and Houston, and the rockets, and I know hardens have had a boo boo. And Chris Paul as well. Those guys don't look like so far the rockets of last year. So you get Jimmy Butler. Yes, it strengthens your team. But you better sign them in the off season. Native texan. So you figure you would better sign him. You'd better keep that roster together 'cause you have your hands. You can't make any future moves as it were pertain pick. I just think if you're Minnesota. And I know that if the rockets are good for few years these picks are eighteen nineteen twenty twenty three. I know. But sometimes this works Boston Philadelphia. You know, sometimes the nets sometimes it works to stockpile picks 'cause there's some other stupid game down there. That's willing to take. They were involved in thing this deals go through. Yeah. I think it's a good deal. I don't because I don't think there's a better deal out there. The World Series continues tonight now in Los Angeles where the dodgers are down to not only the dodgers face a superior opponents so far in Boston. But they face it uncertain future. Manny Machado is expected to leave as a free agent Clayton Kershaw and young Jin Ryu are also free agents will is there more than the season. On the line for the dodgers tonight. Tony when you look at potential free agents, you say, oh, wow. You could lose a mean after you're starting staff, and that that's a lot of wins. A lot of star power. I get all of that. But the dis the dodgers, you know, they can actually go out and get three agents to replace departed free agents Grinky left after a couple of great years things kept moving. So I I'm not going to say this doom and gloom. By the way. The Red Sox are gonna have Martinez in the outfield. Benintendi onto bitch. Given his clutch play how feel about that. But no, I don't think I'm not gonna sit here say the sky is falling on Los Angeles. Dodgers. I don't believe that Manny Machado is going to leave and Cory Seager. Right. Comes back. Yeah. And he's Seger. So they knew that was going to happen. Clayton Kershaw is not going anywhere. You don't know that you're not going anywhere. Herschel has a chance to be next to sandy Colfax. The greatest pitch with the dodgers. The only thing Jimmy Butler go somewhere else techno because. Seventy five every day in LA. And it's a team that can pay you money all Clayton Kershaw has to worry about is getting his fast backup ninety three and not ninety where it is right now. The dodgers are very attractive team. With a lot of money to spend that won six straight division titles. This year it occurs to both of us that they're getting beat by a better team won ninety two games. The other team one hundred eight they've had a very good season. I don't think you ever have to worry about what is going to happen to the dodgers because their past history shows how much they're willing to spend money. So I don't I mean to me just don't worry about this. There is some sensitive Kershaw. If this is his fastball, and you can sit on it hit it. Did you win one of you? Also, you go get another pitcher. You know, why it's attractive who just signed their Legrand. James just went there. It's nice every day. My, you know, Tony again, I just named you a guy who left ace, and you just glossed over because you didn't like the example Grinky left. I understand that Amazon his designed. Team because in part because of him. They're not a great team. That is good as the dodgers because they lost the division this year. But he could leave in the sky still wouldn't be followed because they're the dodgers, and they have the wherewithal to replace big so reps get to the immediate question. Do you believe that this series goes back to Boston that they win at least two? A what the dodgers to get back in this? But I don't know that I see it coming up once high flying Georgia likely to lose the second game in a row, we're gonna ask David Pollock played there. We'll also ask him about those skeptics who wonder whether Allah betta his really is. Good good as it's looked. So you've got five or you have four. Do you have a sweep? No, I got five that can't see the dodgers get swept. But but the Red Sox. By Nissan innovation that excites. I can't believe it. Philip brought his little brother on our mission into orbit. Hello until it get there. Get there. I'll I really get there. No. I can't believe how easy it was to save hundreds of dollars on my car insurance with gyco. What's best button? Do what's this button? Do button. Do this. Believe it. Geico could save you fifteen percent or more on car insurance. We've got some very intriguing college football games tomorrow. So we decided to bring in someone who actually knows what he's talking about our good friend from college game day, Mr David Pollack. Let's start with this. You're in Jacksonville looks beautiful for the the biggest game this weekend. Number nine, Florida. Number seven, Georgia Georgia has had two weeks to ponder its lost to LSU. How vulnerable are they to Florida? Well, Florida's a really good football team. So obviously, they're going to be vulnerable. And I think when you look at this offense they've kind of forgotten a little bit of who they are last year. Georgia was a football team. They made no bones about what they were going to do. It was going to be Nick and Sony Michelle and a physical offense of line, and they're gonna run the football and they're gonna hide their freshman quarterback Jake from well, I think you fall in love now because you got Meco hard winning Godwin and Ridley and all these toys out why they think they've they showed in the LSU get and they want to throw the football. And you want to use these toys? Well, I think they're going to get back to what they do best. And what they do. Best is run the football Holyfield and swift or two guys that same type of guys as Michelle and shove their physical. The office of line is still physical nasty Florida when you look at their weaknesses over the past several weeks of the season six -ceptable to the run they're smaller in the interior on the defensive line. So I think Georgia's fixing their by week is running the football more effectively. And I think you'll see freshman quarterback. Justin fields get more playing time because he can do the same thing. He can come in and run. The football factory. And especially this own read and Jake from coming off probably he's worst game of his career, David. There's a pretty big game in the ACC is well number two Clinton at Florida state. The Seminoles were dreadful starting to season. What if anything has changed for them? They've definitely got back together and kudos coach Taggart because people were talking in the beginning season. Like, oh my gosh. We should bury this team in. We should fire Willie Taggart. Well, not so fast. They they've gone faster. They've started to simplify things I think the offense of line is played a little bit better. But defensively guys like Greg burns have been just nuisance planet other people's backfield's. And he's got to watch number ninety nine when you watch this game gets clumps. It'll be the best defensive player they've seen. He's quick. They get tackles for loss getting more production from that side of the football. They spanked weight force last week. That's not anything that's reporting to that's gonna make this great game. But man, y'all remember this was the game. I mean, Clemson FSU in the ACC every year with JIMBO and Daboh and Jameson this Sean this was the game that we always look for to not as much hype this season, but Clemson and Trevor Lawrence that offense is dadgum homage to go along with the defense playing. Well, now Trevor Lawrence going on the road is a freshman quarterback. Does he make a few? Steaks with that fast, physical defense and make this game close. That's that's what we're looking forward to dadgum humming. God I love that. That was great. Number six, Texas has won six straight. They play at Oklahoma state. How seriously taking Tom in Texas, and I add parenthetically they lost to Maryland in the first game of the year. But they've since then they've won six straight, including beating Oklahoma forty eight forty five at the buzzer. So I they've they've rallied got back together Texas team that knows who they are that play decent defense. Not great defense. They run the football. Okay. They're plaques and game. And with with etlinger has been really really good. Here's the thing about Texas. Here's why Texas is in a bad spot to me, you're playing Oklahoma state. Who's obviously lost way more than there used to? They're not flowing like they used to their underdogs or they're they're they're beaten down by telling how bad they are. This isn't even going to be a ballgame there, Oklahoma states at home and now with Ellen Geller his shoulders banged up. He can't run the football. He's not going to go to run the football affectively, and they're not gonna be able to rely on them as heavily Oklahoma state. The. Passer number one in the country and sacks. They got thirty sacks on the season. This is going to be very very competitive game. This could be one of those games that we talk about at the end of the day or Texas could possibly get upset. And now you're talking about the number sixteen in the country going down who's next at seven and eight to come up and be right in playoff contention. When the playoff rankings come out on Tuesday, so scratch that blowout. Tony David has no blow out and that let's talk about two teams aren't gonna play tomorrow number one, Alabama number four LSU. Both have a bye week to get ready for next week. I think Alabama's the only great team in the country. But there are a lot of skeptics out there by Alabama. David is, you know, people who think them played anybody? Are you one of those skeptics? Are they watching college football? Because understand what you're saying. And we can talk about who you're playing or not just turn on to tape. And you just watch this kid. He's he's left handed. Russell wilson. I mean, he is unbelievable dancing around making plays. But also being able to kill you from the pocket and their their past game in their offense efficiency is better than it's ever been to go along with so many guys that are so good at wide receiver and running back off. It's of line and defense is uncharacteristically give it up more place. It doesn't matter because now guess what? Nick, and do they can even more aggressive because if they give twenty one it doesn't matter, but they put you in bad situations. Alabama's legit the only concern I have for Alabama is too and his knee. That's the only concern. Jalen hurts. Yes. You're gonna tell me. I know he just had surgery this past week. He's the backup quarterback Jalen hurts. Saint to you've seen this offense go to a stratospheric level because to vilo he is the guy and he slid in the Missouri game a couple of weeks ago and had. Take himself out. That's my concern his health his knee. He obviously tweaked it. It is a problem when you talk about a guy like that that lex discrim around dance make magic if he's not healthy. They come down to the world of maybe possibly beatable with him healthy that world doesn't really exist. Thank you, David. Thank you. I guess you can cats college game day starting tomorrow at nine AM eastern. Let's take one last break, but still to come should the Rams really be Chevy favorites over the Packers and Jerry Jones early review of Amari Cooper, dad. Gum humming. How great was that? That's great David David Wyss, straight back to Georgia roots on Dag gone. A Long Island. Did you say that in Chicago, we say that on the south side? Having people twenty first birthday tomorrow to Lonzo ball not banned this year better than last year, averaging twelve point six rebounds five this shooting. Forty one percent from three on a side note. We have not heard one word from his father since Laurent. Lebron James arrived in Los Angeles. Take on you like Lonzo ball. Right. A lot. Yes. Getting better and better and better people expect him to be great immediately. Give them a chance. He just turned twenty one for crying out. Happy anniversary been Roxburgh or on this day four years ago. Big Ben completed forty of forty nine attempts for five hundred twenty two yards and six touchdowns in a fifty one thirty four win over the coals. That's the greatest single passing day of Rothlisberger distinguished career. I'm sorry. The Steelers come out of the buy week on Sunday against Cleveland seeking to do better than that tie. They had with the Browns and the opening gate when rothlisburger had five turnovers, we'll the eight and a half, wouldn't you know, what that means? Tony, do you think in Pittsburgh people think rock burgers who? Rear is as great if not great interior Bradshaw's. We say no because Terry Bradshaw had four no not yet. Okay. Happy trails to the thunder sixteen point halftime lead. Oklahoma City fell to Owen four last night. Losing a Boston. Russell Westbrook is second game this season Oper seven in the fourth quarter with three turnovers as the thunder folded, Paul George may want to reconsider that self anointed playoff team nickname as at the moment. Oklahoma City is on pace four zero wins. And no playoff appearances only Golden State among the teams in the west will not have a struggle in the Western Conference. But Russell Westbrook will get his legs. They'll be fine. Let's go to the big finish. Let's do the Rams favored by nine over the Packers. What do you expect? I don't care about the points expert the Rams to win that game. And maybe even narrow to Jerry Jones Maury Cooper has been as advertising terms of his conscientious that the work ethic you care about that. I'm glad Jerry cares about that. When I care about is a fact that you don't. Hear about the points. A hundred million people care about the point. I don't follow the pack. Big board the raptors can move to six with a win tonight over the, ma'am. Do you like the chances? He nut me how many land. Yeah. They're going to be made undefeated in Toronto. After tonight, the unbeaten pelicans averaging a buck thirty two per game. How many will they get to that against your nets? I mean, they're not they're not mind that we're on Long Island. I would've said one hundred forty five. I don't really think the nets all that. Good. I don't laugh one. Phil Mickelson says some of the side vents tiger could be fifty. Whether he made some come on. Interested in this. Something else. I'm not watching told you really we're out of time trying to better the next time. And I'm Tony Kornheiser of the year. If you're paying for the telecom Wilbad ever great weekend knucklehead June.
Too Late To Say Sorry?
"Hey this is Kirk herbstreet. This team's GonNa need to change the momentum in a second half. Let's listen into the head coach to hear his halftime. Feet this to me. It all comes down to now. I WanNa let's see some fire a fire that could perfectly grill naked smoked sausage and I want to see more from you out there more flavor more condiments. This is a home gate it after all now start eating like you belong here okay now. I'm fired up ECKRICH. You do you the college football podcast with Herbie and pollick now. Here's here's your host Kevin Gandhi nothing better than the weekend being almost here football's right around the corner. Thanks for joining US appreciate the support from our listeners and if you like this podcast you can subscribe rate and review David Pollack joining us as we get ready for week three and it's a weird week. Don't have a top twenty twenty-five matchup something we don't normally see on the schedule especially coming off the type of weekend we had on paper last week but plenty of topics the cover and I want to start with you here. David because a week ago you and I were talking about maybe this is the end for Clay Helton at USC and then suddenly we have a true freshman quarterback backing heathen slave who suddenly hearing the MVP chance after what he pulled off in the second half against Stanford and now you as C. to know in a pack twelve all that looks a little more open after Washington loses in a late late late game at home. The cow after Oregon lost the week before USC faces faces Byu three thirty on ABC. How do you view the trojans now with slowness and this true freshman quarterback and Klay Health felt in this offense going forward first of all. It's abundantly clear that I owe slow was an apology good Lord. I thought I thought USC was done don new system now. have it a plug in a true freshman and it's just you're going to take your lumps and and let's be honest week week one when he when he came in and spot duty it wasn't pretty. I mean I think he's Qbr was like twenty four and then all of a sudden last week he breaks out like a ninety eight qbr. It looks like a different guy goes twenty eight of thirty three from four hundred yards against effort and I don't think Stanford's any good. I didn't think they were preseason either and they've they've kind of been slipping the last several years but that's still dadgum dadgum impressive. I don't care who you are so just unbelievable first of all really like with Graham heralds doing. I think he I think he gets it man. I think it's it's interesting interesting. It's not true era. He's got some he could tell he spent some time in the NFL and it's got wrinkles off of his stuff and really enjoy Graham. Herald think it was a good higher for for USC. The quarterback play will be ultra productive but the PAC twelve now with Washington losing to cow and Utah being the team. I think think that's GonNa carry the Mantel for the PAC twelve if they have any chance to make the playoffs. USC said wait a minute. Let me make the PAC twelve a little deeper and a little bit better and I think we'll find out about them. I think I think. Byu will be a test for them. They're small favourite versus. Byu and Byu is not going to let them line up in the football can Byu stay with the all the wide receivers in space and can USC stopped Byu Byu should have been to go but they are should be too but squeaked out won against Tennessee late with a little bit of heroics but this week will be good but then the next week USC UTAH USA at home will learn a lot. You give them a chance at a game like that. I I think with their offense. You give them a chance. Yeah Yeah Yeah I mean I think if they can continue. I WANNA see more from the freshman. One game doesn't dictate success when you're very comfortable and there's no pass rushing your face you can you can be successful and here's Kevin. We're big dumb animals defensively. Have we don't know what you do. Well until we see it. We have to be able to see it on tape and get a continue to study tape with a young man and see what slow was does best and see what I need to do to take some of that away and so I think it'll be continuing cat and mouse game. Even you'll see more and more here's the thing I know. You have to have if you'RE GONNA play. USC IF YOU'RE GONNA play an arid and you're going to play a team. That's going to throw the ball all of the yard. It's not about having to great corners. You better have three. You'd better have four because they can spread it out to multiple guys and get you in space and really really attack you so that's the thing that you're going to see when you when you face. USC If you're going to stop this off. You can't just say oh I got. I got an all conference all American out here. You better have a couple. That could play all right. Let's take a look at some of these other games and I circled circled one because growing up in in outside of Philadelphia it. It's a pro town. We love our eagles. When it comes the Football Football Penn State on your eagles. Yes we do but Penn State's one of those teams that finds a way to cut through in that area it's not a college town that whole that whole area but but penn state and Pitt means something and this rivalry is coming to an end. It's the hundredth meeting between between these two schools. They go back to eighteen ninety three and right now. This looks like it's going to be the end of the rivalry. There's nothing in the schedule at least for the next decade for these the two schools as they get ready. Can you fill me in is this. Is this a rival for both schools. It is it is generational. Thane Gene James Franklin doesn't really don't believe that in the past really perceive this as much of a rival as your man nor how's it sits burqas fit they they beat their chest and like this game dadgum matters. This is a huge robber game. James Fraser's like yeah now. This guy is pretty cool but state game and Michigan game and cow. We've got a lot of big games on our schedules. So this really isn't that big. That was just the side Ida pit. I think it just say hey. We don't really care about you but deep down and then. Let's not forget to if you're talking about this new generation there was a sixteen year hiatus between these two programs rams as well and then they resumed it back in two thousand sixteen but if you go back and it's it's it's steeped in so much tradition you look back at the great rate teams in the late seventy s a pit and it will. Joe Pa was doing at Penn State to into the eighties it was it was a fantastic rivalry and frankly do what he does. I think that was just a dig that we don't care about your school but I think at alumni base on both sides genuinely care about this game. I want to get your thoughts about a team like Penn state because they look like they were in trouble that first half against buffalo they rebound they found a way how do you view Komo Clifford at quarterback and and Franklin in this offense and then their status in the Big Ten east you know I don't know anything about them yet. Buffalo is Buffalo Yeah. I don't know what else to say. It's hard to gauge understood. It's hard to gauge what they are yet but when you see. Clifford told for four touch too I mean the the big question about Penn state obviously coming in everybody knew. How do you replace the quarterback. How does has this happened. You had the same quarterback for years and he's been gritty and he's been tough and now how do I go onto the next phase. Ah Questions answered. I think Clifford has been very very efficient and he can. He can run too. He's a dual threat guy that can run the football. Throw the Football Penn State. They didn't really run. The football effectively gets buffalo at all at all. I it was not good it was he was he was the leading rusher ever. Clifford was but I I wanna see I wanna see if he gets pit. I don't think pit is a world beater. Either I mean I think they're I think they're going to be a pretty good team but their team also obviously with a new offense building and growing and they've shifted now from a pass from run happy team to find a balance between that and throwing the football down the field and making explosive plays with their new OC so I think I don't know that I'm GONNA learn a ton about Penn state in this ball game either but I want to figure out if Clifford's for real I think Penn State's more athletic on defense and I've seen them in a while and I think they can cause havoc on defense and but but I don't know what Penn State is. This will be a little test to see if Clifford has the goods because I I can tell you this. Caja handlers an animal. He is a freaky wide receiver out why he's a freaky athlete if they can get the run game going like they did with Ford if if four can get going in week one more or if they can find some kind running back play and run the football. This offense could be really dangerous. I think Penn State Defense is going to be better in the against Ohio State and Michigan those cats than they've been in a number of years because because of their athleticism let's see this week. Devon Ford and Journey Brown. I think they are really good tandem in that backfield that we will see their biggest test if if they're not looking ahead date next week against Maryland on the road because Maryland has that game circled I already know that for a fact and and that's it's a big game for just say. Did you said they're looking ahead to Maryland seriously. That's where we're at on eggs. Have Your who says that James Frankly doesn't care about bits so you know you. We'll see how that plays out. There's going to be a lot of emotion. I think in that game and maybe it's just a lot of emotion Russian from people that I know of Penn State Fan base for that contest in Happy Valley over the weekend maybe that'll carry them over and catch that game on ABC by the way at noon I I just to me. It's sad that they when we talk about tradition. We Talk About College. Football Pitt and Penn state should be facing each other every single single year but we're not going to get that and we'll see how penn state responds and nor doozy. We'll have the panthers ready to go one life moves on because Texas Texas assist us to be the same way and that sticks what happens moves on and robberies stay does think it does take but I'll be interested to see let's watch. Let's watch the game though it'd be interesting to see a challenge. I think pit still Nar doozy's figured out some defensive things along the way but offensively they haven't really figured much out over the year so so mark whipple came over I think from UMASS and they're supposed to be a pass happy team now. Can you pick it's GonNa decide whether their past happy team and whether they're successful gets penn state otherwise they're gonNA get the doors blown off of them. David when you played what was the what was it Florida. When you played at Georgia was a Florida. The rival was at Auburn. What was what was the rivalry for you guys. They was Florida Florida. There's no doubt it was it was it was a different week with the coaches and you know it's interesting because I see all the time. All these coaches and players are going to feed off coaches. Energies coaches bought holes get tight and they start really puckering up golly. This is the big game and they start talking different the player you can feel that. I mean absolutely feel that and it makes you get tied earned. It makes you not play as free and relaxed so there's a method to the madness with James Franklin. It's not a big deal just another game get ready to go. How did you play those rivalry games. Well it gets Ford. I was water no in my career because they remember what you do last three. It's the final taste of your mouth. That's all that matters. That's all that matters. That's all that is seriously. How did you play those games. I mean forget about the outcome. Like how did you play specifically in those four games. I mean I did find the worst call in college. Football history was my sophomore year by the way we were thirteen. In one that year and Ohio state went to the NATTY atty to play to play that's the two thousand and one Miami Team Two Thousand Sixteen Miami team. We were we were one play away from from being there and being undefeated. Ohio state had several member close ones that they pulled out but the worst call in college football history intercepted Rex Grossman on his on on the two yard line when they were thrown a tunnel screen to go in the score. I made three people miss. Not One not two not three three people three people miss. I got to the fifty yard line. Kevin and they needed oxygen bad. Turn hand the ball to Sean Jones. WHO's one of our faster guys he's way faster than me and I knew that hey to him. At the fifty yard line he runs it back for a touchdown and the REF says Ford lateral. It was aimed at all. I never seen that call again and if they had instant replay which they didn't have instant replay back in the back in that day it was a couple years from being instituted. It would've changed that game but we lost thirteen to six by the way law seven points. I'm looking it up and points also kept points. It was twenty to thirty or yeah twenty to thirteen and twenty thirteen and that's the difference into the game right like if that calls made call in your mind history yes. I'm looking at the right way period. I'll say in my mind if the correct way is correct to call it. Don't say in my mind you slap you but no it was definitely we were thirteen and one man it was a it was a good good season for us. It was sec championship game and beat. Arkansas beat to beat the mess out of them and then you beat Florida State sugarbowl right a bit what could have been we could have been before. Take the second season. You try to Piss me off. No no no I find it fascinating because our best team man I so it's easy for me to say what's a rivalry revelry and what's not and as a fan. You're you're invested in a game like that. Listen I I'm married to a gator and and my stepfather is Georgia bulldogs. I hear it all the time like constantly about that rivalry and and I'm hearing it from a fan perspective. I observe it and I've I've been to Jacksonville. I've watched the game there and I'm just fascinated from the experience of players. What's it like for them. Because players have a different feel they have a different vibe they could feed off of it or they could just be like now. I'm here just just the ball out. I could care less and it's good to hear your perspective rivalry game yeah. Everybody has different degrees of of what really matters to them. You you know and I just the Florida game for us. I always meant a little bit more because you had a bunch of guys in the locker room. They got recruited by Florida a bunch of guys in the locker room. They Got Georgia in whichever whichever side you chose and it was it was far and away and listen because of Georgia's ineptitude versus Florida for so long it made it that much more heightened you know what was that we lost to them so many times back in the day that something had to change and turn the tide of almost snake bit and that's why our our biggest rival wild is there and and and this group might say differently you know this might say Alabama the last two seasons you think about how it ended. Alabama's probably the biggest rival for Georgia right now between for those players players in there is I think it continues to changes teams. Get better and more competitive and if one team gets a leg up on you for a little while man it just it ticks you off and it makes you want to beat the mess out of them. We'll be back in a minute with more from pollock but first a word from allstate because mayhem on Saturdays in the fall is inevitable. Mayhem happens on the field off the field and in the polls mayhem lives on the wind in the rain on the foot of an Eric kick and during a trap game. You'll find mayhem in the parking lot during tailgates charcoal. That's not totally out an errand football through a window a flat tire a law side view mirror. You're etc you get the point all state protects you for mayhem in the parking lot and outside it at home and away you can't stop mayhem from happening but you can get better protected from it with all state the potential for mayhem during the playoff race is rampant underdogs folks trap games unexpected weather etc etc etc get better protected from mayhem with allstate contact if your local allstate agent today sick a look at some of these other matchups here and number two Alabama facing an SEC team South Carolina Carolina and you know that that's that's a showcase game here considering who Alabama just beaten obviously the the comments from Nick Sabin recently the after the game and students to task for the game early here. What do you make of this. What are you what do you make of this storyline after after the game and and scheduling and students leaving or not even showing up to watch the team. That's a part of this. This era right right now is a is going to be. It's a real part of the things that coaches need to figure out. Ladies need to figure out students. Don't WanNa go out there and as much as they used to. They don't want to be a part of it as much as they used to and you've got to find creative ways to make the atmosphere better and make the atmosphere more entertaining and you need more. Wi Fi you need more ability to interact and do different things. They need an experience. TV experience is phenomenal and college football. Now I mean it's unbelievable what you can do on your couch so you gotta give people a reason to keep coming and I think you've seen the comments from coaches and Nick Saban's doing it on purpose. He wants to make sure that students come out and that's competitive advantage you. We used to say it all the time. When you play at home and how much it means to have the crowd behind you in how much juice it gives you how much it can confuse an offense and now now you've seen attendance start to dip a little bit every single year. It's it's a real concern for a lot of these coaches and a lot of these across the country. How can Alabama change things and some of the disappointment is the scheduling of of Afternoon Games. It's ninety five degrees in Tuscaloosa because let's not forget like they're putting out a buyout like they're paying the school to play them and the money that some of these schools are getting to play. Alabama is funding their entire athletic department so if you just have power five versus versus power five or religious group of six facing each other and none of these schools are getting a piece of the Pie. Some of these athletic programs are not going to survive now like Georgia taking nine hundred ninety first of all. Let's not paint Alabama corner that they they don't ever play anybody because they've been one of the few that have played somebody to start the season just about every. I'm with you. I mean they've always they've done a phenomenal job playing. USC which is obviously a huge Michigan at a conference like they've done a great job playing somebody out of the gates a lot of times this year wasn't and I don't get the new games as much. Kirby came out yesterday talked about the Games. It's like He. I love because I spend the rest of the night with my family but apparently nick doesn't like the the early kicks and you know to each his own whatever you can you can you can complain. What about what you want but I just you know. The whole scheduling thing needs to be more uniform across the board. I think you could find a way to play more conference opponents and make things matter more. I think you could think you could really do that in this world where money talks when you have that when you got money when money's talking as much as it is you can find a way to make these matchups avenue all right. Let's take a look at an interesting matchup. I think for anybody that's that's following the group of five and understands that UCF is trying to gain respect this this game schedule a while back with circled for a lot of reasons in that is UCF facing Stanford. Now you said earlier that you're not a believer in Stanford furred but before this week they were top twenty five team in for UCF. It represents something like we need to face Stanford. We need to face a team that that is the top up twenty five that you can't just bash because we don't play anybody. How do you view. UCF team that's coming in and that game's going to be on ESPN. They got Stanford on the schedule. Schedule does does this change your mind on what they do against Stanford just because they're stanford or you already don't really have a lot of respect for the cardinal this season. I I don't have a lot of respect for the cardinal I just I just think if you've watched in the last couple of years that intellectual brutality and pounding you in the face listen to run the football that was gone even with Bryce love as explosive as he was an dynamic as he was a couple years ago and cost tele was his team thrown around but defensively offensively just finding those guys that they'll hitch in the mouth and they'll play physical and they they've they've missed those guys number years now Stanford's at different team and I the last week they play with the backup. quarterback gus tells one of the best quarterbacks in the country so getting him back will be a huge lift but UCF is there. They're a team that I don't know a ton about yet either. They know they're also a team that have blown people out. So far as I know they can run the football I mean they create explosive plays with with multiple backs every single week every time you look up. I'm in the first game that four or five guys with that averaged over six yards a carry and you're just like that's that's phenomenal you know. How do you continue to do that. So between mccray making big plays in you know I. I don't know if the the quarterback spot for me is interesting interesting. 'cause I don't know if it will be win. Bisher Not Gabriel obviously was the guy last week making a a bunch of big completions and in his debut there listen he wasn't officiant but dude was dropping bombs. I think he had seven completions for like two fifty something like that. I mean something close to that so it'd be interesting how that works works out because member. Matt got hurt preseason with a broken ankle. McKinsey Milton last year had his legs is still. I mean still recovering from that so I think the only only thing that can hold. UCF back from being really really good would be the quarterback position and listen Stanford. At least we know will be in the right place at the right time and they'll be tough. They're just not very athletic. It'll be fun to see an athletic offense. Versus Stanford Stephen and Mac has been cleared by team doctors. The play Hypo has an interesting situation with Gabriel Wimbush who wasn't one hundred percent last week and then the return a Mac. I I say you stick with Dylan Gabriel until you figure things out because they have stanford this week and then they got away if he showed you something and you have some confidence. Let's let's just continue to go with the hand that you're most comfortable with and that could be dealing. Gabriel under center in a in a contest that I I have circle when you look at some of these games. They're not sexy on paper. I HAVE THAT UCF game circle. I WANNA learn more about them. We'll be back with more from pollock like but first a word from draft kings week one of the NFL season is in the books but draft kings is in Finnish celebrating with some huge fantasy football contests for for week. Two of the season draft kings the leader in one day. Fantasy football is giving new users. A free shot at over one and a half million dollars in prizes is with your first deposit when you put in code. ESPN CFP during sign up draft your lineup and feel the sweat like never before every every run throw and catch means more with a draft kings lineup on the line. It's simple. Just draft your lineup. Stay under the salary cap and see how your team stacks up against the competition plus. All New and existing users can get a deposit up to five hundred dollars. That's some extra cash to play with this football all season nothing adds to the sweat of watching the game quite like having a shot at over one and a half million dollars in prizes download the draft kings APP now and and use code ESPN CFP for a limited time both new and existing users can get a deposit bonus up to five hundred dollars new users. Don't forget forget to enter my code ESPN CFP to get a free shot at over one and a half million dollars in prizes with your first deposit. That's code the SPN only draft kings minimum five dollar deposit required deposit bonus requires a twenty five times playthrough eligibility eligibility restrictions apply see Dr King's Dot Com for details for example. What are we going to learn from number. Seven Notre Dame this weekend. They faced new New Mexico for me. I just feel like that number. Seven ranking is is a little too high for the fighting Irish how you view this team coming into that game first thing I saw I it's always it's what people do is. First thing I saw was Oh god Notre Dame's overrated again and I'm like how do you. How do you even know that? Oh Louisville scored in the first two possession yeah then they locked down. Did You Watch Louisville's offense. I think Louisville's offense is going to be really good this year like if you watch them and the creativity they have like Louisville's offense is going to be fun and it's going to be explosive and now Notre Dame's offense. Ian Book is Ian Book. If Notre Dame's GONNA be in the position they were year ago with their schedule. There Ian Book is going to be more than a game manager. He's GonNa have to be a guy that I can trust to literally drop back make big play after big play and by the way Kevin he should do that. At this point is career that should happen. I mean he's he's not a a young cat anymore. He's not an unproven guy. He should be the guy that can step in now. After starting a full season a year ago go into the playoff being a guy that had had a lot of success. This second year is star. Now in book needs to step in and be efficient. He doesn't need to be fourteen for twenty three or whatever it wasn't the first game that it was okay. It wasn't wasn't super efficient you know and so that's that's what I look for from from Notre Dame. I think defensively they're going to be really really solid again solid to to really good. I think they got caught off guard a little bit by Louisville's funky formations and options and jets and all the stuff that they can do that is really fun but I'm not gonNA learn anything from this week against against New Mexico but they go to Athens next week yeah night game in Athens Saturday night. What's with the lights on it is pretty sick. I mean it's it's one of the cooler atmospheres listen. There's there's a Lotta great atmospheres in the south. I mean there's just you got to Clemson. We opened end up with Clemson and you watch that atmospheres golly. That's crazy and you go to Lsu at night and you're like. Oh my God what on Earth was that and then you go to Athens and you go to Auburn and you. It's just it's nuts how many atmospheres it's just like when you go to the big house. The Big House is a huge stadium but it's not it's not as loud as other stadiums in the south and you know people can get upset with that if they want but it's just a it's a crazy atmosphere. It's crazy fans that listen this was this was a family affair that that was passed down to you know this is my dad loved Georgia. My Dad loved Alabama. We went together as a kid. My son goes with me now like it's just a it's crazy man. It's crazy the amount of passionate and what it means to so many people down to the south. It's just a it's a religion. It really is a religion have to admit it's on my bucket list. I gotTA gotTa go to Georgia for a game. I haven't seen a home game there next week. We'll take the ABC show on the road. How about that. You'll you'll support all that all right. We'll bring in Sanchez Velma. We'll just like this is what we're doing. We're saying pollock's. How's everybody. Let's go do it from my house. If I wanNA know your thoughts what's about another interesting because considering the backstory from a year ago Kentucky does something we haven't seen in a long long time when you talk about the rich history of the Florida gators and they win in the swamp a year ago now you know after they got that win last week and the gators are going the Kentucky here. How do you view a game like this and and understanding where you know this offense is in Philippi Franks and and where Dan Mullen wants wants this team to be in the how do you view this matchup. We need to see something from flora by the way because Florida Week was pretty atrocious and we saw the offensive line has some serious issues fully Franks struggle. You know we've we've seen flee and we've seen we saw more of the same kind of Lutton crowd placate to him and getting his emotions involved and you prefer him not not do that. I think Florida's defense is going to be great though and that's the thing that first of all Kentucky kind of surprisingly if you watch Kentucky a year ago what it was Benny Snow Yup. There is no doubt about it. It was finished now. It was run game. They could throw the football worth a DAG flip. They absolutely stunk get throwing the football. It's clear to me to start the season with Wilson throwing the ball fifty plus times already that they're trying to get the passing game going. They gotta find a way a multidimensional and if you're going to go against Dagenham Florida with that front and those guys that can get after quarterback consistently. It's going to be an issue so listen. Last year we said Kentucky's not GonNa Break Straight Kentucky and beaten Florida and seventeen thousand years since sixteen cents Columbus moved over here and they found a way to do it and to me. The bigger picture is is free play Frank's. Can he be a guy that I can consistently. I'll never forget the Miami game just watching Chink Dan Mullen have to orchestrate things for him and not seeing things as well as he should. Now you know when you play against Lesser Competition you know then Miami. He has a day when he played UTM. He was twenty five and twenty seven and you go collie that guy's really good and you see the Miami and you're like wait a minute okay okay. That was a different animal so another chance to go against stoops's defense was always good is fully by Franks continue. It was it was it a blip week one against against Miami or or is more of a gauge if he's going to be more efficient more accurate and you're going to see that offense because defensively. I know exactly what I'm getting performed. I got a thing or two about frank's handling his emotions because it's going to be an emotional game after losing the Kentucky year ago but he's he's a guy that I felt like was in control at the start of the season then you watch the Miami game. You're like Whoa WHOA. We're going back to two thousand seventeen francs here. Let's control the emotions the one thing about this game they have the best name in all of college football and that is Kentucky running back Kvass. EA smoke that is the best name right. Now I think in all of college football. We'll see if if somebody could top that David had fun man looking forward to Game Day and their first trip to Ames as host. I will have some fun out there. We're having a blast man. Thank you and a big thanks to David Pollack joining us to get his thoughts on week. Three in those matchups also share those stories about being a player in rivalry rivalry games and playing under the lights in Athens also want to thank our sponsors allstate and Dr King's special thanks to our producer Gay Bassein. If you enjoy this podcast I send you want more all you have to do subscribe to the College Football podcast with her being policy and of course remember to rate review much-appreciated enjoy the games from week three see on Monday with her sometimes for inspiration. You just have to look up for more than sixty years. Here's the Goodyear Blimp has fueled greatness on the Gridiron by providing area coverage of some of the most legendary moments in college football history when the goodyear blimp rises above above the stadium it inspires players to reach higher and rise to the challenge of gains biggest moments now. It's your turn to go. Further with goodyear. 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Setting Strong Family Boundaries in Love (Hour 2)
"Live from the headquarters of Ramsey solutions broadcast from the dollar rental studio. It's the Dave Ramsey show. Debt is dumb cash is king and the eight off home mortgage has taken the place the w as the status symbol of choice. I'm Dave Ramsey your host. Thank you for joining us. Open phones at triple eight eight to five five two two five that's triple eight eight to five five two two five. Matthew starts off this hour in Little Rock, Arkansas. Hi, matthew. How are you? I'm doing great, Dave. How are you better than I deserve? What's up? So I'll be my situation. I'm part time working in college right now, I go to a community college because I didn't wanna live anywhere, and it's really cheap and easy right now. So I'm getting my basic courses done there. And I plan on transferring to university of central Arkansas after I finish my genetics to get a business major. I don't have any of that right now from scholarships. My parents, I don't have any student loans or anything good part time to get and keep my grades up. I make about is the journal idea, but maybe ten thousand six hundred year, and I'm wondering from your perspective. What can I do now to go ahead and get my financial future started? I have it's not open yet. But I went and consulted with him yesterday with my uncle who is a financial Edward Jones. And I'm getting ready to open up a Roth IRA with him. I would not do that. Yet. I would not do that this year. Here's the math. Matthew is a better investment than mutual funds. Because of the way you're going about this and what you're choosing. To study you getting your business degree completely debt free and actually graduating is going to bring you more money than that. Roth IRA will bring you you are a better investment than usual fund. And so what I'm going to do if I'm in your shoes, I'm going to place my money in the highest returning investment. Which is you. In other words, I want you to pile up the huge pile of cash that is an insurance policy that you graduate with your business degree on time and debt free. That's more important than a Roth IRA. So I wouldn't in your situation. I would not do long term investing until you graduate. You see why? Yes, sir. Because you've got you've got this dialed in very carefully. And you don't have an extra fifty thousand dollars laying around to ensure that Matthew graduates debt, free, right? You know, you you're you're watching every penny. You're being very wise. You're thinking you're working you're doing all the right stuff to graduate and graduate debt free. And that is a better investment than a Roth. Okay. So get us school and then start your Roth, and you'll be very very wealthy. You're going to be just fine. So I would not do that. And it's a mathematical thing, the you're gonna make more from the knowledge you get in a business degree and from having the business degree, then you will make on a mutual fund education is a good investment win done wisely. And you are doing it wisely. Pete is with us in Cincinnati. Hey, pete. How are you? I'm better than I deserve brother honor to talk to you you too, sir. What's up? I have one big question. My wife, and I have been doing your plan for about four years. Now, it's been a huge blessing where you got out of about one hundred thousand dollars of debt and we've saved up three to six months, which is good because I'm changing careers hearing about two months, but my parents aren't a very bad financial situation. They're both retired. They bring in good money. But they also spend a ton of money, and they've got about a hundred and fifty thousand dollars or more worth of debt, and I have talked to them they're they're planning on moving in with us because every month they they can't afford to pay all their bills. And I wanna make sure we want to help them out. But I wanna make sure they don't end up living with us for forever. We have a new baby on the way and. Value our privacy. And what do they mean? They bring in. I I would say they probably bring in about one hundred and twenty five or one hundred and thirty year with their various retirements, and how old are they? Seventy and sixty five okay. And show they make plenty of money. They have just misbehaved they they've lived well beyond their means those in congress. Yes, they're misbehaved. So how does moving in with you helping? One hundred thousand. Year roll up your sleeves and Palffy dadgum debt. Well, right now they can't afford living in their house. Well, how much is her? I'm aleve. They're paying twenty five hundred a month somewhere around there. So sell it and go rent something. Go rent something for half of that. And get your butt out of debt. You make a hundred twenty thousand a year. The problem is I sat down and went through their budget with him basically, set up a budget for them a couple of maybe a month ago. And even with selling their house and taking that payment out. They don't have money on because of all of the payments that they're making on their various debts. And so I set up a plan with them. What are they? One of their own cars. They I think about fifteen on a car, which they're telling me, they will not sell not let these people move in with you. They are not that they are misbehaving, and they are not dealing with the core problem you want this more than they want. It. Well, that's very true. My wife keeps saying everything. This is not good. They need to go rent, something cheap and get with the financial coach and get into financial peace university and sell everything sight and rent thousand dollar place, and or an eight hundred dollar place and drive a thousand dollar car, and they make a hundred and twenty five to one hundred and forty or whatever it is. You thought they made and they pay off one hundred thousand they can pay off a hundred thousand but they spend money like there in congress. Contrasts? That's true. Housing is not their problem. The person in the mirror is their problem. Well, you're right. I guess my question is if they if they do end up moving in with us, which I just type already moved. I know I know you did I they've already moved in some of their stuff in Tampa sell their house what what would be your recommendation for trying to put some type of plan in place where they're not here forever. I would put heavy requirements on the move. They sell the car and that they'd be on a budget that go through financial picture versity, and they go see a financial coach, and that all happens in the first thirty days or you need to look for a new place. And guess what they're going to do. They're going to move out 'cause they're not ready to deal with you because they're not ready to deal with their stuff. And you're not going to be strong enough to do that. That's what your wife's worried about. You're gonna have to put some down some hard stuff. That's good for them. And I'm not trying to be mean to him. But what's good for them? And I'm not gonna participate. They're crazy. The last thing I want you to feel is buyer's remorse. The key to avoiding this rookie mistake is to call Churchill mortgage and get certified as a certified home buyer. You are pre underwritten call Churchill mortgage triple eight loan two hundred or Churchill mortgage dot com. This is a paid advertisement in one five nine one in MLS consumer access dot org. Equal housing lender. Seven sixty one old hickory boulevard, Brentwood, Tennessee, three seven zero two seven. Two million real estate agents in the country. Everybody knows a real estate, right and hardly any of them selling the houses. I mean, really I mean, every friend, you know, every relative knows got a real estate license, and yet you're going to let them sell your largest asset. And they do two houses a year because it's your uncle Henry that's stupid. Don't do that. Would you let uncle Henry give you a root canal? No, I wouldn't let him work on my car either. And I wouldn't let him do my taxes. So why would you let your spouse's mothers and Judy? So your largest asset that's Dom when buying a house, it's important to work with an expert agent who's committed to answering your questions along the way, that's why I endorse top agents across the country who follow the principles that we teach go to daveramsey dot com slash agents. Found a real estate agent to list your home. That is at the top of the game. I mean, they're really top of the heap. Right. The best the high-octane high protein. Or clicky LP real estate at daveramsey dot com on the front page. You can find them that way too. Okay. My last caller, I got into got into a commercial break coming up on me hit me in the face. And I kind of rushed through the end of that. So I wanna go back because I get a lot of this from you, folks. And I wanted to help. Help you any way. I could. Okay now. Dave, you're always so tough. When it comes to our kids living with us. Our parents living with us or us moving in with our parents or whatever. You believe in tough love. Now. I just believe in love. In love says I have to tell you. What is best for you? And what is best for them? Love. Real love does not go along with crazy. Real love does not endorse it because I don't have the strength to stand up and say, no, I don't think this is a good idea. For you. So let's just have a little bit of help here. I have no trouble with helping your parents and letting them move in. I have no trouble with your grown kid coming back home and living with you for a period of time. We all should be a safety net for each other. What we don't want to be a hammock. There's a difference safety net and hammock a safety net is uncomfortable. A hammock is you live your mother's basement till you're thirty eight and you don't have a life. A hammock is your mother is still grieving over something. And she spends like she's in congress, and no one can tell her anything. And so you're going to have her move in with you. And she's going to continue her version of mental illness. With her spending disorder because she won't deal with reality. That is not good for her. It is not good for your thirty eight year old the live in your basement still. So a couple rules couple things if you want to really help a family member not just in able them not just give a drunk drink. If someone is going to move in with you, and you're doing that to help them in quotes. Do you? See the air quotes help them. Right. You want to help them? Then let's really help them. What does real help? Look like real help causes them to be better. As a result of your help. When you give a drunk a drink. They're not better you've been able them they feel better they like you. But they're still a drunk, and you caused them to still be drunk because you gave a drunk drink. That is not love. That's quite the opposite of love. Why would you do that to someone that you say you love in? So if you're twenty eight year old has gone through a divorce and has a kid and whatever done advocate, and they need a safe place to heal a little bit and come out of the cold, and they're going to move in with you for a little while to get back on their feet to get their emotional chops under them to get their spiritual chops back onto them get their career going maybe get some debts paid off and be able to start again. There's nothing wrong with that. At all. There's nothing wrong with your elderly parents or struggling moving in with you, and you helping to take care of them. There's that last guy college, not a bad. Bad thing. The bad thing is you need to put requirements on them. That help them he'll show that they can leave. In other words, should I charge? My my twenty four year old rent. No, no, you shouldn't charge them rent. You should throw them out. As soon as possible. Well, that's not now. No, really. I mean, what is the best thing for a twenty four year old to have the dignity being a freaking adult by your own groceries and pay your own light Bill that is dignity. The ability to produce in the marketplace, leave the cave kill something and drag it home there is tremendous emotional and physical and relational benefit. So help them become that kind of an adult. And so if they're gonna live with you for the next six months in preparation for you to kick them out, then there's two we're going to do one is we're going to give you a deadline. So that last guy mom and dad, you can move in with us for six months. You can move in with us for one year. During that year. There will be no rent charged except you will do these things that are good for you in lieu of rent instead of rent. So instead of paying me rent, you're going to financial peace university every class you are going to turn in a written budget that I see and that you stick to every month while you're here. You are going to see a financial coach you're going to sell the car that you can't afford, and you are going to heal this thing that in seventy five years inside of you has never been right? And it's time for it to be right. That is really loving them. But if you look at them and say you can't afford this car you need to sell it. And they got all right. All right. That's non negotiable. They don't need to move in with you. Because they're not willing to deal with their crap. The crap that's inside their mental health or lack thereof. And so you look at your twenty four year old, and you say six months from today, we're going to move your little but into an apartment during the next six months. We're not gonna charge you a dime. But during the next six months, you're going to financial peace university. You're going to be on a written budget. I'm a written budget every month you're going to start saving percentage of what you give. If you live under our roof, we go to church on Sunday, and we do not party to three in the morning and snort cocaine. If you're under my roof. That's what you do. If you don't have under my roof, you get to choose. But if you're under my roof, that's what you do. Because I own that freaking place that that's that's a controllable. Those four walls are mine and people that are in those four walls are going to behave by my value system, or they don't get to be in those four walls. Why control-freak dadgum right? Dadgum right on the control freak I control the controllables. The variables in my life that caused me to be successful. The variables in your life that caused you to be successful and partying all night and snorting cocaine and coming at three o'clock in the morning. And not having spiritual and not having a job and not saving money and not being generous are controllable variables that are going to cause you to win or not win. And I love you so much. I'm going to make you do. What is good for you? Or you gotta be somewhere else. I'm not gonna participate in your crazy. That's whole thing. That's the difference in Ebeling loving someone. Well, enablers are sweet people, but they're weak. They don't love. Well, this is the Dave Ramsey show. I get asked all the time. Do I need life insurance? Listen, the point of life insurance is to replace your income for someone who on it. So if you have a spouse, if you have kids, yes, you need term life insurance and the best place, I know to get it is Zander dot com. Zander insurance is where I get all my insurance. And it's where I've been sending my listeners for over twenty years. You can get a quote in a matter of seconds. It's not expensive. It's not complicated. And you need to do this now Zander dot com. In the lobby Ramsey solutions. Lou and row are with us. Hey, guys. How are you? How are you? Welcome. Welcome to you guys live Georgia. Oh, fun welcomed. The Nashville all the way here to do a debt free scream. That's right. And who these two ladies you brought with you. This one's Alexa, twelve Gabriella. She's ten Alexa, and Gabriella pretty names. Pretty ladies. Good. Welcome here to do debt free scream. How much have you paid off paint one hundred seventeen thousand eight hundred and five dollars a love it love at well done. How long did this take ten months? Good for you and your range of income during that time. I was about one seventy all the way to to twenty. Wow. A big jump in ten months. How'd you jump that much in ten months? More work, more work. What do you guys do for a living CRA? I am a stay at home. Mom who home schools lease to? Okay. All right. So. Yeah. As you're doing very, well, congratulations gray field, and you're right. You just just kick the work down. That's an extra fifty grand look at that. But now you can let the foot off the gas a little bit little bit a little bit. What kind of debt was the one hundred nineteen thousand that was all student loans, thus the income and the degree. Yes, sir. Okay. Cool. Cool. Very good show. How long have you been out of school graduated in fourteen okay with my degree? And that's when the student loan kicked in and then after that was buy a house, and we lived in Florida at the time. So gotta house then a year later. A he log on the house and bought another house for rental during that time was credit card to had four zero three b. Auto loan, but all total when we moved to Georgia two thousand seventeen the total was five hundred fifty one thousand dollars that we owed. Wow. Okay. A lot when we sat down and just did the math. We were just blown away. So when we moved to Georgia in June of seventeen. How's the started to sell? We started paying off some of the debt. And then at the end by November of two thousand seventeen we were left with what we started off with which was student loan. Ryan the one eighteen because it initially was sixty but shed yourself of all that baggage. Yes. And then game on sort of short. What happened? Well, what happened was this? Yes. So we're down to the alone. And then I decided to go by car. Not just a little car, but like a fifty thousand dollar car. Car new Volkswagen. Atlas that we all. Yeah. So of course, they need heated seats because it was called in Georgia. Yeah. Yeah. So decided to get the premium package. Yeah. So, of course, I'd buyer's remorse a big no-no stupid taxes. And then that's when I knew about you. And we've heard about you down in Florida at the time. So we looked into the program and just went full throttle with January first we started the whole thing. Okay. January first to last year ten months later, boom. So what did you do? You went to the class or the book or you're listening on the what'd you do. All we listen to podcast watched. It live did the FPU online. Okay. Just because with the working hours is we couldn't attend the class. So we just watched the videos listen to free screen stories. That's just motivated us and like. You looked in the mirror and said this car was stupid. I got to stop this. Or did. She say you're stupid. You gotta stop this. Well, let's just say lose never allowed to take the car for an oil change. That's what happened. Fifty grand? That sounds like something I would do. That's fabulous. Well done. Yeah. So we got a whole new way of looking at money. Now we worked together. That's right. That's right. And we all did it together. We all went through together. And they saw what we went through. And they went there were great. They were fantastic. So you did that you've got this. Great income, you did this really fast. Will you ever go back? No. And that's about the baby says, you never have to go back to baby step to always go back to babysit three mercy fun. And that's it going forward. You're never going to maybe one or two unless you go for an all. That's so good love that. Because you people do that all the time. And that's the perfect. That's a perfect analogy or metaphor for the whole deal, man. That's that's just well done. Good. Good. So what's the secret to getting out of debt row? It's it's a lot of hard work. But you know, when you get closer to the end, you see that light at the end of the tunnel, and you just push harder thing it to get there. About louis. He's not afraid of hard work. He went to work hard. Hartman. He was doing lot of hours. Yeah. Yeah. Very good for that. Ten months was brutal. And now, we know we can do anything Lou. What do you think the secret to getting out of debt is say discipline discipline on budgeting do the budget down? Do it every month discipline communicating just all around just saying, no, we said Noah lot, and you know, we just took day hikes pack, the bag five dollars for a state park. That's your day. You know? So we just did a lot of outdoor activities. It kept us busy. But just say no a lot. Even though. But it seemed even though is ten months long, so radical change. Yeah. Shock to the system of your family permanently. Very good. Well done you guys who were your biggest cheerleaders outside your family. We'll have to say Djelic feel. There's so many Joachim Felix. They went through our f p we go ahead and lead in Pugh class church through twelve stone Oku actually contacted a Brian Bush that that we're here today. He's here supporting us love it. Stephen, catherine. David. Yes. So a lot of a lot of a lot of folks out there getting them all I love it. That's great. Great. And so you ended up teaching a class. Wow. Well that helps too because once your teaching it you have to do it. And when we were teaching it we announced that we were debt free during that process and also Catherine she was in a class and somebody else paid off a tax at the seventy three thousand dollars. How that yeah. Everybody gets on board. Then yes, you have a different kind of normal. It's on people doing smart stuff. Yeah. Well done you guys. Well done you guys. I'm proud of y'all. Good job. Now, we got a copy of Chris Hogan's every day millionaires book for you. You're definitely going to be in that category before, you know, wonderful income wonderful income potential as well, and anything you wanna do all you get geared up and go after it love it. Right. Very very cool. All right. It's Lou and ro Alexa, and Gabby from Atlanta, Georgia one hundred eighteen thousand dollars paid off in ten months. Megan one seventy two to twenty five. Counted down. Let's hear a debt free scream three two one. That's how it's done. Yeah. Let's just say he's not allowed to go for an oil change. That's the best line of the week right there. I love it. That's very cool. Well, APRIL's here. And that means we're celebrating national financial literacy month, we are honoring teachers with our teacher appreciation giveaway. Sponsored by Jackson charitable foundation. Teachers can enter to win some amazing prizes. Like, a five thousand dollar vacation getaway. There is no purchase necessary. We're giving away some thousand dollar gift cards. We're giving away the Ramsey education professional development program, lots of prizes, but the grand prize the five thousand dollar vacation getaway. I teachers are awesome. We love teachers teachers changed the world the good ones, the ones that aren't may on it in and that's who were celebrating for sure teacher appreciation giveaway at daveramsey dot com slash teacher too. Enter be sure and tell every teacher that you know in love teach these your classroom. Teachers daveramsey dot com slash teacher. Tell your kiddos teacher that, hey, this is what we're doing you need to jump over daveramsey dot com and enter because they're giving away a five thousand dollar vacation giveaway, and we want you to be the winner. Tell them that. Hey, they'll they will. They will. Appreciate you Ryan's on Twitter. I'm just starting my debt free journey laying out of budget. What are your thoughts on budget billing for utilities? I think it's wonderful another moment at all. And it generally works at smooths out the utilities, and if you wanna do that budget billing is just take the average of your last twelve months divided about twelve you level out your Bill, you level out your water Bill or whatever it is. And you get the same Bill every month that makes it easier, especially when you're first starting, and you don't have much wiggle room in the budget because you're bust down on baby step two knocking out the debts, and that kind of stuff so yeah, you can do this. And then nothing wrong with it at all. Good job. This is the Dave Ramsey show. No, one likes to review your insurance or look at your will or that kind of stuff, but people who build wealth manage that defense as well. As the offense we have a five minute coverage checkup. It's completely free for you to do. We'll show you what to add what to drop what the right things are. And all you got to get out your phone and text the word check up to thirty three seven hundred nine our five minute coverage checkups completely free text check up to thirty three seven eighty nine. Indianapolis is on the line. Jake's with us. Hi, jake. How are you? Hi, dave. I'm doing great. How about you better than I deserve. What's up? So I am sixteen. I'm going seventeen in about two weeks now, and I live with my mother. Very traditional mother as the fact that she hasn't really batted to the everything's going to internet these days. Explain Jerry fashioned doesn't kind of get a grasp on. What's having trouble hearing, you you're not speaking directly into your phone? Can you hear me better? Yes, sir. Thank you. Your mother is a traditional mother what your question. So I I make around fifty to seventy to eighty K a month doing ecommerce women making fifty thousand dollars a month at sixteen years old. Yes. Yes. Tell me the truth yesterday I e commerce, so I run drop shipping websites through south by I do EBay or Amazon EBay arbitrage, and it's a bunch of various Siles and usually go to the internet. And my question is he has no idea I'm doing this. Because and I have all my all my profits stored in eight Palo kennel because he is going on my Bank account, and I would love to tell her. But like I said with her being so traditional I I already know that she will be very very skeptical of what I'm doing. And she I I'm fearing that she's going to put an end to it just because she he's already told me because I express my passion winning to be an entrepreneur, and she she's traditional in the way that much is in your pay pal account. I got a little bit over three hundred thousand. So you've been. This for four or five months. Six months. No, it's been about eight months. The first few months for slow and I picked up it picked up fast. Where's your father? He divorced. He's state not in your life. I mean, we talk I wouldn't say the, you know, father visit he's kind of like for you in a good friend, a friend. I guess are you in a good church? Yes, sir. How do you feel about your pastor? Very very close. Have you talked to him about this? I have not. No, I honestly, I have anybody. I haven't told any my friend. I wouldn't tell your friends that'd be very, unwise course. That'd be very hall is. Okay. So. How large is the church that you go to about thirty people. Okay. Very small. Okay. Yes. Well, here's kind of what's going on my head. If you have the ability make fifty thousand dollars a month, you know, as soon as you're eighteen years old. You can go do whatever you wanna do. Right. And that's just about a year away. Yeah. Yeah. Okay. So if you were my son, and you were doing this. And you told me you don't wanna go to college, and you wanna move out and be an entrepreneur. I would say have at it, dude. You make fifty thousand dollars a month. My God, my I'm not saying, I don't know if you can do that for the rest of your life. You may have just caught a wave right here. And you know, as you know, things on the internet change rapidly. And on you could I don't know what all you're doing here. I've never heard of anybody doing the volume you're doing doing the things you described. But I I run I run three different websites different merchandise. What you're doing? I just never heard anybody pull this off at the volume. You're pulling it off. So I'm I'm not questioning your integrity. I'm believing you. But I'm just saying you're doing something pretty unusual. And so I don't know how sustainable it is long term. And so I tell you number one I would pull out at eighteen and go start and. Doing this and just build your own thing out and have a blast and go make some money while you can I would not say you're going to do this twenty years because you're not it's not going to be. It's not gonna exist in twenty years. There's too much change on the way businesses done on the internet at it. You might have a two year window, you might have a five year window. I don't know. And so I would commit to myself. If I were you that win the thing does turn down. I might want to seek out an education at that point to give me knowledge to do other things, and it'd be great to have some business acumen from a business degree if you're sitting on a couple million dollars. You know, so knowledge knowledge is valuable going to college is valuable. Do you have to do that to make a living? We'll cried no do. I mean, you're killing it, you know, so go Pala as much money as you can. So that that's part of our thing. I'm really uncomfortable. Participating in you deceiving. Your mother. My fear is we have such a close relationship. And I just I think deception is never a good rule and. I don't wanna hide it. I just I just know. That's not true. You have hidden it from her. So you wanted to. Okay. So. Feel bad about it. But you've got your reasons for hiding it are bigger than your reasons for disclosure right now. And so what I'm thinking what I'm trying to get in my head is I would love for you to search out someone that is trusted by you, spiritually and with business acumen, and that is trusted by her that could mediate this discussion with the two of you. Could participate with you sitting down and going? Okay. Mom. Our friend Georgia's here, he understands business and the internet, and he understands spiritual things in values, and he cares about both you and me, and I want I wanted him to be present. Because I want to tell you some things have been going on. I have four hundred thousand dollar three thousand dollars. This is the stuff I've been doing on the internet. I'm very good at it. I'm a child prodigy. You know, you are. And but I think you just sitting down with your mom is not going to go. Well, okay. And so I'm trying to pull in that right person that could be a mentor to you and give you a little buffer. But it's got to be someone she trusts because if you bring in some character that she thinks as a character, she's gonna think they influenced you. And so, yeah, I'm not I want you to develop some kind of a strategy or a plan. Like that that allows you to not deceive your mom anymore. Okay. In the may, take you. It may take you a month to put it together. And that's okay. And I'm okay, you leaving your money your pay pal account, and do whatever you wanna do. That's all fine. There's no danger with any of that. And I'm no K with you continuing to do all of this. And I'm okay with you come straight out of high school making six hundred grand a year that gum. Life's rough. You know? But again, I don't think that's sustainable because the current methodologies that you're using will not be there five years from today and an education will give you the ability to do things that are sustainable, and maybe step into the next thing with a little more zest. I also don't want you to have this unusual success at a young age. And it's the only time you have success. Because you don't do foundational things that lead you into success when you're thirty two as well as twenty two so wow, pretty incredible conversation. Thanks for calling in. Don't think I've had that one before? I've had a lot of different calls thirty years on the show. But I don't think I've had that one. I did meet a kid that was doing that farm thing or something on the internet, and he was eighteen and his dad was there with him at an entree leadership of aunt. And he was eighteen years old his dad and his brother is older brother both worked for him. And he had made four million dollars with these add-ons to that farm thing the kids play on the internet where you build a farm or whatever it is coming and you Bob, boss stuff to get more cheap, or whatever it is on how it works. But he had made four million bucks at eighteen years old. Then that so I mean, I made I made them occasionally they're out there. But while pretty pretty amazing stuff. Yeah. Just building up. That's all you need to then everything will be okay. Wow. Wow. Wow. Wow. Wow. This is the Dave Ramsey show. Hey, it's Kelly associate producer and phone screener for the Dave Ramsey show. This episode is over, but if you heard about a product or service and didn't have a chance to write it down. Don't worry we list everything that is mentioned during this episode in the podcast show section. Thanks for listening. Money isn't the only thing we talk about around here. Get life changing it by on your career from my good friend and career expert in Kalman. Oh my Ken Coleman show. Seventy percent of Americans are going to work every Monday, and they don't want to be there. But for a myriad of reasons, they feel they have to be there that is our crusade. Subscribe to the Ken Coleman show wherever you listen to podcasts. Hey, it's James producer of the Dave Ramsey show. This episode is over but check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.