Live from Anaheim: The Ramsey Show on Tour

What is the most ethically questionable thing that you have done to save money?

>> I got this 24-hour planet fitness membership, and they've got showers. >> This is to save when you're water bill. >> You go to the gym every single day. >> I go three times a week. >> And you're good with him showering three times a week.

>> When will the RAMC dating app? >> RAMC described your dream lady, not in public. >> [LAUGH] >> How about my parents with their state, few properties, and a family and his tenants?

>> They're paying $5 a month. >> [LAUGH] >> This crowd is going to throw in stuff. >> I'll pay 600, 600.

“>> What was the last argument you had with your spouse?”

>> Here's the truth.

I never know when my wife's mad at me.

I say I'm sorry every day, just sort of cover the sins. >> So we are trying to combine finances without combining arguments. >> You're probably not going to go for this. But it's the last swing on the tour. [BLANK_AUDIO]

>> Normal is broke and common sense is weird. So we're here to help you transform your life. >> From the RAMC network brought to you by Fairwin's credit union, live from Seal Beach, California. This is the RAMC show.

[APPLAUSE] >> Alongside, George Campbell and Rachel Cruz. I'm Ken Coleman, so excited for those of you who are watching. Wherever you are, however you're watching. We're so excited that you're here fabulous crowd in this lovely old theater.

We're going to get right to it. Starting us off tonight, we are going to go to Mary. Hi, Mary. >> Hi, how are you guys? >> Good, what's your question?

>> My name is Mary, and this is Chris. >> Chris, he's in the military and has been that free since birth. And I became that free because of you guys, especially George. >> Oh, I can shout out, George Campbell. >> Well, I didn't do any of the work, but I will take all the credit.

>> Thank you. >> You're welcome. >> So I dragged him here for reinforcement. We are getting married in church in two months. >> In rats, thanks.

>> And we don't always agree in money, especially when it comes to spending.

For instance, he values saving money more and I value saving time. From small decisions like that to big decisions like applying for a VA loan.

“How do we handle money as one team when we think differently?”

Because we are trying to combine finances without combining arguments. >> Well, I gotta tell you, that's beautiful. I feel like I saw a financial hallmark card. >> So poetic. >> And before we dive in, I want to say to Chris, thank you for serving our country.

>> Great, I'm here. >> Thank you. >> That's been an honor. Thank you, sir. >> Yeah, I mean, it's a great question, and what I would say is you're going to be opposites.

Okay, if how you're wired, your tendencies, your personality, you're going to be different. And I think what ends up happening with so many couples is that that difference ends up being the thing that you end up budding heads with. So a couple of things, because my husband, Winston, same thing. I'm the Spender, I'm you, a hundred percent, he's the savior, like it's the same conversations. But what I have found, and I've only been here 16 years, so Ken probably has more, has more marriage experience.

So you can probably speak into this. >> It's a really nice way saying, Ken's much older than he, he haven't said he's even married longer, but what I have found that I wish I had done earlier in those conversations with Winston is that he brings something to the table that I don't have. His strengths are not my strengths, and there's something really beautiful of what he brings that actually is very helpful to me. And instead of fighting against it, because it's not my natural bent, I've actually started to see it more as a gift.

“I mean, honestly, if it wasn't for Winston, I probably would be broke.”

>> It's been everything. >> But you'd have great shoes. >> I would, but if it wasn't for me, he'd have no fun. >> So it's great. >> Like we bounce each other out of this fight, but so seeing it as a gift. And then if there's the level of empathy of getting into his shoes and him, get into your shoes and understand how you grew up. Again, your personality, how you're wired, like all of that plays in, and that empathy card is really big,

that really can lead to, I think a level of respect of understanding this is where you come from, but I am going to say this to you as the Spender, this is going to be a little bit a Nick on Chris, sorry. But Arthur Brooks talks about five things you can do with money, and only one of them,

But one of the four that actually can bring a level of happiness in your life is spending money to get your time back.

And so they have found that, so. >> Exactly. It's science, Chris. >> I know.

“>> So when I heard that, I was like, you know what? It's not a bad way to spend it, right?”

You're not being frivolous with it. >> Give us an example of one of those, I'm glad the Rachel brought this up, because I was thinking, give us a real moment of tension, if you can, where you wanted to spend money to have a little bit more time, and Chris was like, I don't like that. >> So for example, everybody knows, nobody wants to go to LAX. So he would rather save $100 to fly from LAX when I am willing to spend more than $100 to fly

from Ontario, which is 30 minutes away from us versus an hour plus away going to LA.

So it's just the time versus. >> Well, I got to tell you, you hit it. There are the entire audience

was like, she's right. People were like, take a love offering, can we have an altar call? Amen. I mean, it was like, I saw it in the room. Okay, so let's have some fun, Chris. Do you understand where she's coming from? You don't have to agree, but I want to, if you understand that.

“>> I do understand, I think I see it from a different perspective. >> What's your perspective?”

>> Well, in the Army, I'm a soldier 24 hours a day, so whether I'm standing at attention or just working hard or what have you, I'm still getting paid to be a soldier. So if I've got to wait a little bit longer in a line or get stuck in traffic, it's no big deal to me. I do it all the time. >> Okay, now my friend. And you two can lay in, but I'm picking up on something. I totally get that.

But I am completely a convenience monster. All right, so I totally get your point of view. And

that's me and my wife. I would pay more money to make life easier. Like every time. But I think what you're going to have to do is realize you've been conditioned that way too. And you're going to have to figure out a way, what's the, what's the middle ground, but Chris, you're a great man, and again, a great patriot. But you're going to have to understand that very few people. I mean, very few people have your kind of constitution and your discipline,

because of who you are and how you've been trained. Do you understand what I'm saying? >> I think that's fair to say, yeah. Yeah. >> And it's a high bar. >> It's a high bar. >> I mean, what do you guys think? >> Well, I think in two months, you're going to be a husband 24 hours a day. And I would say that takes precedence. >> Oh, there's a high bar card. >> Listen, outside of our relationship with God, I'm going to go, wife is coming next. And therefore,

you know, you can let go of some of the things you want, and I have to do this too, because I'm like, Chris, I will listen, my wife had a connecting flight to go see the backstreet boys, and they gave me the hardest time that you didn't send her direct. I was like, it was $200 more. >> There's like five southwest flights from Nashville to Vegas and he made witty. >> I don't know, like, oh, dear Lord. >> I said, you know what? This is sort of how you use. And therefore, I'm going to put my money to make

my wife's life easier, which by the way, is kind of the reason we get married. We don't get married to make our lives more difficult. We want this to be a partnership where life is more joyful. It's more fun. It's easier in a lot of ways, because we're willing to serve the other person, even if it's not how we would want to be served. And so I think there is some compromise here. And I think this tension, you need to learn how to live in it versus avoid it or somebody wins. >> That's exactly right.

So, I'm going to throw something out there. This is just a conversation piece. I'm not telling you

“this is how you should do this. But I think the conversation is, okay, I heard you tonight.”

You both have to say that to each other. I heard you. And I think what you got to go is, all right, Chris, if she wants to spend more money, okay, to fly out of our Ontario, and then you go, all right, I'll meet you on that one. And then you're going to have to meet him somewhere else. You understand what I'm saying? This is give and take. And I think that's the key. So, figure out where those values are super important. And then go, we're going to give each other grace and we're

going to compromise. No one in a marriage gets it all the way they want, especially dudes, Chris. You know what I mean? Stacey tells me all the time what I want to do. And I can't have no idea what he wanted to do until Stacey can. It's really true. So, I've learned to love it. You know? So, there you go. Hey, give them some love. Thank you guys. Congrats on the wedding. I do want to say to you, Mary, though, he's going to take really good care of you.

He's going to be a great husband. He really well. Hey, can I do something fun here? I have the spiritual gift of giving away Dave's stuff. Come on down, Chris. I've got a little bottle of what do we have here? A little Prosecco. You guys need to get together on this, all right? Crack this open. Yeah. And that's all on us. You know, it's two little pores, but you guys need to talk

run out of cash. You know what I mean? So, we had to get the little bottle. I kid. All right.

Up next, please give a warm welcome to Sal. Where are you, Sal? There he comes.

“Okay, Sal. Where are you from? I'm from Southern California. Okay, great. What's your question?”

So, I'm helping my parents with their estate. My dad's 89. I worked till 70. And he has a few properties and the family has tenants. And I'm trying to manage bringing the rent up to market rate. Would it be? They've just been accustomed to my dad subsidizing their rent because my family situation, my uncle, the past away, my aunt, the past away. So, I can't get a lot of pushback from one of my cousins and that they don't want to pay more rent. And so, it's, you know, trying to

after the house needs a roof and needs paint after taxes, after insurance, like, you know, they're breaking even. And so, they're just having a little difficulty understanding that part. So, any questions? Is this your dad's properties, you said? Yes. And you're just managing them.

Yes. What are his wishes? Is it, is it to be as is? How it's always been? Or does he want

you to manage it a little differently to tighten everything up? He actually was throwing his hands up and said if we lose property, he was a property because he'd been gotten frustrated at the point where he's just paining for them to live. So, I kind of spearheaded, put them on month month, Lease Agreements, said hi. Apparently, they had a background that they hadn't paid my dad. So, just kind of helping clean that up. So, he's fed up with them. Yeah, he's, he's, you know,

he's older. He's 89. He's actually has Lou Body Dimension. So, yeah. So, well, what's the difference between his emotion and your emotion? How do you feel about kicking him out? I'm, you know,

“there's a difference. I know. I want you to say it. Well, I think it's, you know,”

they've, he's, he's a patriarch. He's done so much for them, carried them, like, for so much, you know, a good part of their life. And, one set of the family, like, cousin Gina, she's fine, paying them more rent. Understands, like, they understand that, you know, he's taken so much burden on and just taking care of them so much. But there's just this family that just doesn't understand the concept of what the cost is of living. And don't I get it? You feel like a politician

on a Sunday morning show. How do you feel? How do I feel? It's, it's upsetting. It's, you know,

if they don't want to, I mean, the reality is it, it was a family venture. If they don't like it,

they can move out. I mean, they got to get first month's rent, second month's, or last month's rent, security deposit. You see, they feel that from you that they know how serious you are. I think they're getting it, but that needs to be like, hey, if you don't like it, I mean, the door's right there. They're getting it. They're just not going to do anything

“until you put your foot down as what I think. No. So does the audience. Yeah. So yeah, I think a time frame,”

you know, to me, and you can give some grace or family. So you could say, you know, if it was someone else, it'd be like, next month, sorry. So you could say, hey, bye, bye August of this year. This is what we're going to need in order for this to continue forward. Do you know what you mean like to have some language in there? That's pretty black and white, and so the boundary set because of that, of that date. And, and I think what's frustrating,

too, I would assume I'm putting myself in your shoes is just, it feels like the lack of gratitude of what your dad's done. And you're kind of like, man, I wish you guys would appreciate, you know what you mean have some level of humility in it and there's none of that. So they're paying $500 a month. This crowd's going to throw in stuff. I'll pay $600 a month. So they were, they were paying $500 a month forever. And then like four months behind, I'd $500 a month. How long have

they been in it? For probably 20 some years. Okay. Do you stood up tonight to get permission, didn't you? Yeah, well, no, I'm serious. Well, I went from 500 to 17 and then like, hey, you know, they got to pay more in its family and all these different things and, you know, they're getting pushed back for it. I'm just asking for two grand for, you know, it's a two bedroom one-and-a-half bathroom. Oh, I know. I've already talked in circles about this. I'm asking, did you stand up to get,

we can't give you permission. But is that what you were looking for? Like am I a jerk for holding them accountable? Is that what you were wanting to know tonight? Maybe, um, my guess? I guess more of like, you know, is there a tactful way or do I just say, hey, you know, but Rachel just gave it to you? Yeah. He can't be tactful with these people. I think Rachel's much nicer than I would have been. Yeah. Let's been 20 plus years. Yeah. You know, precisely where they've

ripped your dad off. Yeah, absolutely. I think she's being very nice, but I like her approach. Yeah. But it's clear. Hey, guys, I don't care for cousins. I don't care. This is how it is.

they want to sit down and have a discussion of what they want to happen. It's like one

of a stipulate year. Yeah. And they're entirely, they've been doing a good job. No. And they know that, oh, we can get past him. He's going to be a dormant once again. And he has been for 20 years. And so now, now you've changed the tune and say, hey, listen, for 20 years, you guys have taken advantage of my father's generosity and kindness. And now it's my job to manage this well. You're a steward of these properties. And by not putting your foot down, you're being a bad steward

on top of enabling this entitlement. Yeah, because I've, um, I just helped my dad and my parents the last year. And that's when I got him on the month to month, put him in 1700. And now I'll bring him to 2000. As far as I'm concerned, it should be like three, they should pay mark of value.

And, you know, or leave the property, we can improve it. And then, you know, mark of value

is, and just to put the money back, you know, you're probably not going to go for this. But it's the last swing on the tour. How would you feel about getting one of the cousins on speaker phone right now? Now we'll all be quiet, won't we? Don't ruin it. This is like cutting up a credit card in the old school days. You call up, what's one of the cousins thing? Give me all the honor of that. You got a Vinnie? Is there a Vinnie or a Vinnie? Yeah, there's a Brenda.

A Brenda's a problem. I'm scared. I actually, I got a time, I was the line coming in. I tried to call her and she wouldn't pick up. So, yeah, awkward. All right, Lord Colin. But here's the deal. Everybody in this room knows that Brenda needs to hear the truth. Yes, they're just living on a

different. Yeah, man. So no more. We can't talk about anymore. You know what you got to do.

Yeah. Yeah. Yeah. Can't control them. And what they're playing at their living on, you control you and be a good manager of what your dad's built. Rachel laid out for

“him. I think he wants it. If you're in charge of him on this deal, how many months do you give?”

What's the terms to Brenda? You, you role play. Brenda's on the phone. What do you say? Hey, Brenda, hope you're having a good day. It's about the change. This is perfect. Yeah. Well, what I would say, hey, here's the deal. I have probably not taken my role seriously enough. And I have it love my dad well enough to step in to really hard conversations.

And so this is going to be a hard conversation, Brenda. And I pulled cops from the area, average comp for a rental with a two bedroom, one bath is looking about three grams. So that's what we're going to start charging. Now, we're going to start charging that in September. So you guys have five Mike and two Maths, five months, six months, September? Well, I don't know. I'm just Brenda is scaring me. Okay. So just, so we're going to give you, we're going to give you

five months, Brenda, six months. Because you're family, we're going to, I'm going to extend a lot of grace. It's been a long term thing. It's been over two decades. So six months isn't going to break the

“bank. I like you. Six months. So Brenda, that's what is going to happen and be effective September one.”

So I'm going to circle back 30 days before. And we're going to talk August one to make sure you guys have plans either to move or to pay what is owed and up to rent. Okay. And I know this is awkward and hard, but that's how it has to be. And it doesn't have to do that. Sal, September one, come on, man. What do you want? Are you Brenda? Well, okay. Yes. Yes, Brenda. I am. I am going to do that. September one. Let's sell. So what's the time on for you? It's in what we're April. It's in May.

Actually, it's a couple of days that we're at a set of standard. Very the lead. Because it, wait, it was 30 days to get hours. Well, I had, um, have you said that to her, though? It was May. Yeah. Okay. Okay. So because I like that timeline. Yeah. So because my, my mom approached me says, hey, you know, your dad's, you know, you know, his condition, we need some help with these properties. Can you go figure it out? And I haven't all the brother and, you know, he's a whole different story. And so

we don't have time for him to know. Yeah. No, no, no, that would be a whole different show, you know. That's me like all. And so, you know, I said, okay, we don't reach out somehow. I've got some, California lease agreements, uh, talked to my cousin two months ago and I said, hey, you know, we're going to encourage the rent. She's like, well, it was kind of upsetting. You didn't give us notice. You increase the rent. And you know what, you don't, you can say, when she says that,

what's all called a "wambilance".

“Ladies and gentlemen, good to see you all. Thank you so much. Perfect. Can I just give you a fist bump?”

That was so, my perfect day. All the way up your lips. The spirit is here. Somewhere in Argentina Dave just won't like this. I'm being summoned. Yeah. All right, that is so fun. Okay, now we're going to welcome to the Mike Tony. Everybody welcome Tony to the Mike. Yeah, Tony. How are you doing? My name is Tony. I'm from a Montclair, California. I don't really know how

This is our second separation, but I know for sure from I end, I'm done with it, but

just to kind of give you a idea that they say need me, need with the pain I feel at the loneliness. And all that, I live alone. We have kids. Kind of sucks because they're great kids. She's a great mother. I'm a great dad. I spend a lot of time with them, but it's almost like they want to, they can't wait to leave me so they could go back to mom. So like, I'm peacefully alone, but also super lonely. So when I go to work, I do all these things. I'm just numb to everything

because it's like the things that really matter in life, which is my kids, the relationships like,

“I'm just tired of giving them all and nothing works out. I'm sorry, Tony. So like, what happened?”

What was the cause of this? What sounds like now you're done? During our first separation, during a breakup, she was asking me, "Oh, did you sleep with anybody during a breakup?" And when I returned the question back, she was being, what is it called, "Primis Quiz?" I don't know. Yeah. So the whole two years that I was trying to give them all, she'll have fake social medias. And then I'll find that she's like trying to reconnect with them.

And it was just so sorry. You couldn't do nothing because you're at work, you're everywhere, you just nervous. What's going on at home, you know? Yeah. So the kids wanting to leave your house all the time. Is that because mom knows that you're trying to be financially responsible or you're certain maybe you're more disciplined? What is happening in your mind that you think the kids are like, "Okay, I can't wait to get back to moms." I think I'm pretty chill and I'm kind of strict,

but I think they just missed her. They're just mommy's boys in our life. How old are your kids? I got a 13, 9, and a 2-year-old. He just turned to, "How much time do you have with them in a given month?" So we, everything's just through agreement. So I literally just get in every single day. Oh, so you do see him every day? I see him every day. I pick him up every day. Oh, I choice. I just do what they're not staying with you every day. No, because I work graveyard. So it's not

like they could sleep with me. So the two days I am off, I do. So daytime with you, night time with mom. Yeah, definitely. Yeah, but every single day I have them. Okay. And then my oldest, he's

“getting recruited by colleges, basketball, so like, that's what I mean. I spend a lot of time with”

it because I train in basketball ways and all that, so like, they're really good. So he kind of, I kind of feel he just uses me just to train him and you're giving rides, but I tell him I was like, hey, that he's lonely man. Like, yeah, you know, he's check on me like just to say good night,

but never. Well, I'm, we're really sorry that you're going through this and I think you were,

you have been betrayed. Okay. So let's just call that what it is. And you need to heal. How long ago was this reveal to you? I left her July last year. Okay. So really, you've got any therapy set with a. Yeah, yeah, even during the first break, I was separate for like two years. I've been going to therapy. I've been doing what Jonathan only does for connect with people. But it's hard because everybody's married, everybody has life, so I kind of feel like

you're kind of looking at you like, I'm going to make time for this guy. You know, you're not busy. Okay. So I got also this. So earlier tonight, before we got sort of the show, I asked how many

“people were single. They were a bunch of single people. How many single guys are in the room?”

Would you raise your hand for a second? Just a single guys? Okay. Well, you all stand up real quick. Just stand up. This, this is not going to embarrass you at all. I want you to all turn around, Tony, the guys that are in front of him turn around and look at him. All right, Tony, want you to look at these guys. Thought we're, don't make, don't gaze at him. Just look at him. And then I want you to look at the guys behind you. Okay. Now guys sit down. Okay. And here's

what I want. Okay, because dudes are a little different. Okay. And I'm not going to put you on the spot. But guys, if you're willing to connect with Tony after the show tonight, I got a single guy right down here. We met earlier. He shaking his head. This guy's got money on money. That's that. He needs to spend some money. So you can go hang out with Tony.

I'm a drink because you got nothing else to do. And so here's what I want. I'm having some fun.

But I'm dead serious, guys. Listen, loneliness kills. And what I love about the Ramsie tribe, you know, when you think about when Dave started financial peace university, what made it so powerful were people coming together sitting in the room. And there were shared values through shared experiences, shared failures. Yeah. And here's the guy who's trying to win financial aid. Give us a picture where you are financially. I'm on baby step. Almost done with

number one. Come on, my man. Yeah. So this guy right here. And these two dudes right here. So guys, I'm not going to put you on the spot. But I mean, I'm serious as I can be. If you would be willing

not now. And you guys connect and you need some community. You need a guy that have shared values

and are willing to walk through this dark time because this is dark. But here's the good news. On the other side of this is light. And you walk and out the baby steps is going to be a huge part in your recovery from this pain. You got me? Yeah. All right. You willing to receive these guys friendship. Yeah. All right. We'll see what happens. Thank you. I appreciate you. Thank you. All right. So we had a right-in question. Is this as for us? Oh, wow. Is she in the room?

Is Sarah here? Okay. Okay. Okay. Sarah wrote this question. This is for us apparently. Turn in the tables. Are you ready for this one, George? I think you're a little nervous. I am. Uh, what was the last argument you had with your spouse? Money argument or life argument.

Say money. Oh boy. Oh. Who wants to go? This is fun. Here's the truth. I never know when

my wife's mad at me. I feel like check in. Like I say I'm sorry every day to sort of cover the sins committed. That's classic. But he's telling the truth. That is true. I'm a loof to the argument. Money art. You know? Yeah. We had one. What is today? Thursday. Yeah. Is this the one you shared

“with us at lunch? I did in Phoenix. We talked about this. This is a good one. I think you should go.”

And y'all were on my side. Which I appreciate it. I was. In fact, I almost texted Winston to say, dude, go ahead. So my daughter, she's in fifth grade. She goes to middle school next year. And she's had two best friends since kindergarten. So it's been the little three of them. Like through all elementary school. And they've just and said, so the two moms. Naturally, we become friends.

Like we were on a big tech startup for the show. Like we're on a tech screw. Like for six years,

we've been friends. So whatever I'm had the idea that before the girls get a middle school, we should do like a little overnight somewhere. Or maybe two nights like take them before they all go to middle school. So we landed on Disney. Not only because I like it, but in the world, not the land. I'm so sorry. I know. I felt it. I felt the disappointment. It's closer to Tennessee. I felt the disappointment. Okay, here's a hot take. I've been to both. The one in Florida's

better. I don't know if you just say that. Well, yeah, it's my opinion. Does it mean I'm right? It's just my opinion. I will say that. The one in Orlando, you get it's like the crazy Disney people, because there's nothing else in Orlando. If you go to Orlando, you're going to Disney. Here,

“it's like you have a ton of things, dude. You happen to go to Disneyland. So make sense?”

Anyway, anyway, this is where we're off track. Anyways, we're going to do Disney because one of the girls her parents live in Orlando, so we're going to go stay there for free. And I don't know how much I want to like, I want to do something bougie. I want to do something bougie. And I want to get one of those little two or things. You know, because we're only going for one day. Do you want a golf cart live like no one else, so later? You're really selling this. Like no one else. I don't want to sound

too cool. I just told everybody. We're going low, baby. No. But y'all. Okay, so it is. Okay, between all of us and America who's watching, once it's going to kill me, probably is my virtual one, as you say this. It is expensive. I get it. It is. But here's my thing, y'all. I'm like, what else? At this point for us, right? We're maybe steps seven. We married 16 years. We've done it. Like, I can't tell you what else are we going to do? Like, we're going to die. Well,

let's die with zero. Let's just like enjoy and spend. Can't take it with you. Yes, that's so my philosophy. I want to tell him what he said. And he's not put his foot down like this in a long time in our marriage. And he said, I'm absolutely no. He's like, Rachel, that is the dumbest thing to spend money. I mean, he didn't say that, but that's the dumbest thing. He was like,

“that is not. It's not wise. Why would you spend that amount of money for like six hours anyways?”

We went, we went around and around and I just said, all right, well, we'll talk next week. No, anyways, we probably won't do it. And it's fine. But I like to throw it out there, you know? My money's on you doing it. You think so? I think you're going to do it. You know, I take this. I said it lunch. Are the others pitching? I haven't even floated the idea. And I probably wouldn't. I would just be like, yeah, that's not you don't want to do that.

I put pressure on them. And Rachel's so nice. So I said, if, and now I'm on the other side of this. So Winston's in the thick of it. My youngest is my only daughter. She's going to be 18 in December. And I'm a mess when I think about her leaving. And so if I could go back to to Amelia at 11 and do this, I would a hundred percent do it. I know. It's not because that's right. Yeah, I was like, I wanted to say, hey, as a as a as a dad of a daughter,

man, make those memories now. You know, and we are going. So like, we will have

It's an expensive. Yeah. It's an expensive cherry event. It's fine. Okay, that's ours. That was ours.

I was last week. I can't top that. I mean, here's what happens in my house. I get transaction alerts

for every single thing that comes through. And I know how much things cost. So I see a transaction come through for like $34. I'm like, wasn't it just, how did you spend that on lunch for just

“and so that's where I get in trouble? Is then you should get to fence and I text her. She'll say,”

hey, what happened here? It's going on. You know, and she's like, well, I got the gluten free bread. I got a latte, got a little dessert, and then I, and then I calm down. I go, okay, it's fine. You love it. You lead with the what happened here? I have such a major offense. I got questions. I think it was fraud. And I go, no, it's just my wife. Somehow works. I think the fraudster wouldn't have spent that much. Yeah. Let's see on us truth. You know, I don't have a great story, but this I have a

pattern that happens with us and it's terrible. But the kids, I don't know if it's this way in your

house, but I have three kids and they all go to mom first with everything. Sometimes I feel like I'm

just a financial donor to the institution. And so what'll happen is they'll soft sell Stacey on something that they want. And she'll be like, no, for whatever reason. And then they hit me about 24 hours later. And I don't even think to say, have you talked to your mother? And I just go,

“oh, absolutely. And that's been a bit of a problem. I think they're going to be great lawyers one day.”

Very strategic. No, no, I'm learning from it. That was good fun stuff. Well, we also have another right in Rachel. Oh, yes. Okay. So this one's from Kristen. And she's here actually. I think we met her earlier. She said my husband wait is retiring this fall. He's been using me 55 years old. I'm already retired at 57. Once he retires, we will need health insurance. We're both in good health, require minimum care. And our debt free. We have no big, we have big plans to travel to

U.S. being no man's on the road for about three years. And our off road adventure rig, health fun. Do you recommend Christian health care ministries for us until we qualify for Medicare if so why? Well, first off, congratulations, you guys. What a fun season to be in. I love it. Yeah, I think for sure, Christian health care ministries. Yes, I think would be a great option. So Christian health care ministries, it's kind of an interesting thing because it's not health

insurance, but it's a health cost sharing ministries. So people pull their money and then when something happens, you submit your eligible bills and they take care of it. Like it's basically that's that's the system. It's actually a biblical way of what health care was. And so they emulate that.

And so it is, it's amazing. So yeah, I would say for sure, for sure in the gap before Medicare,

“and then, you know, some people love it so much. They just, that's the, that's what they use”

for the rest of their lives. They just keep paying into it because of how great it is. So yeah, but it's awesome. So yes, I would say, yes, Christian health care ministries. It's a, it would be a great option. And it's much usually very cheap. It's cheaper than Cobra or any other of those, you know, a marketplace health insurance from any, yes, that's right for sure. Yes. So what's great, though, is right now, CHM is offering new members a 50% credit towards their first month of membership. So you

guys can check that out. So you can go to CHMindustries.org/budget and use the promo code Ramsey. And yeah, if you guys have friends that are talking about it, looking at health insurance. It's expensive. Health insurance is expensive. So for a lot of people, they do find that it is less Christian health care ministries is from a month to month standpoint. While we're out here in Southern California, I thought I'd hit the streets and harass some strangers to find out how they're handling

money and how they feel about it. What's the worst financial decision you've ever made? Get a girlfriend and spend all your money on her. Oh, it's a bad investment. This girl really burned your man. I say, what was the nicest thing you bought her? Lake Tahoe trip? Got her helicopter, everything. Helicopter? Like a helicopter tour? Pretty much. Yeah. Okay. I think you bought her a helicopter. And you know, ski trip, all of that. What did that cost for that trip for her? Total trip was

probably a seven grand, six grand. Probably purchasing a lot of materialistic stuff like clothing and accessories, and they didn't really gain any value. Probably buy a car. Were you in debt? I'm not now, but I was in the beginning. Which was the car? Like around $30,000. I'd say probably not investing earlier. We were able to learn that maybe in school or have our parents kind of explain that earlier. I think you could become further ahead now. So just investing at a younger age

would have been nice. You would like watched my YouTube channel at 16. You would be like, oh gosh, I got to get investing. I got to stay out of debt. Totally. Yeah, for sure. Yeah, reason to subscribe. Hey, you know what? We talked about Fairwin's credit union. You know,

while I mentioned, if you guys ever have a chance to come watch the show, we're live in the lobby from 1 to 4. We'd love to have you there. And Fairwin's, of course, has helped make this tour possible. So we just want to continue to say thank you to their great, great people,

the George Fairwins, like we can't recommend them enough. Oh, yeah. They've been such an amazing

partner. And they believe in the Ramsey principles. They encourage their own team members to become debt-free and stay debt-free, which might be the only bank in America to actually do that. They believe in it. They have changed their the way they do business to serve our fans better. And they have a great smart bundle. You guys can check out at fairwins.org/Ramsey. Yeah. So thanks, again, to Fairwins. Okay. So now we've got our first of two of these segments,

et cetera, a lot of fun. The audience tends to like these. It's called Flip the Script. So where you have been asking us questions. Now we're going to ask you questions. Okay. We've got micrunkers in the room. Okay. So we're looking for fun people that want to just throw

an opinion out. So George, I'll start with you. You got a question you want to get an answer on.

Yeah, because this is something I struggle with as a guy who's frugal. What is the most

“ethically questionable thing that you have done to save money?”

Where maybe it tells someone your spouse because that feels like it's on the line. That's true. Anyone got a good one. There it is. Oh, we got some. Stand up so I can see you. We're going to get a mic to you. Okay. I'm a youth pastor. So it shouldn't be too bad, but well, we're about to find out. All right. So I'm going to get married soon about two months with this lovely light right here. Oh, congratulations. Thank you. Thank you.

Anyways, so we're thinking about just things that we're going to spend on now instead of, you know, living with our folks anymore. And one of it is water. So I'm thinking myself, oh, I got this 24 hour planet fitness membership and they've got showers and I'm like, Jenny, I mean, we could do this. All right. Like, every you don't have to do it with me, but I could show every single day it's planet fitness workout, take a shower, and then just go on back, do

do day-to-day things afterwards. What do you think? Just like Austin. It's not. It's, it's not. It's just to save on your water bill. Yes. A water bill. I don't even know I'm having any more. So, yeah. Do you go to the gym every single day? I go three times a week right now, but things could change. And you're good with him showering three times a week. Yeah. That's good to tell you.

“We did it. Go every day. Yeah. You need to go every day. If that's where you're showering,”

anyways. Yeah. So, we'll see what happens. Oh, my gosh, God bless you. The only people I've heard do this are people who are literally living in their cars. So, I'm gonna... No, highly recommend it. That's a good quality of life. It's a way of water. Yes. You serve this is a good special award. The highly coveted award. It's the frugal camel award, and I can't think of anyone better. This should go. Yeah. So, come on up. And, uh, this one's on me. I got it at Goodwill.

That's how frugal I am. I'm not paying retail price for this thing. Yeah. There you go, my friend. Good luck with your marriage. You're gonna need it. Yeah. And, yeah, I gotta tell you. That's a horrible idea. Okay, so we didn't close the list. Just take a shower. Is it worth the athlete's foot? You're gonna get constantly shower? Are you kidding me? I don't know if you've been to many gym showers, but the old

“dudes in there? Yeah, I just leave it at that. Okay, what do you got, Rachel? What do you want to know?”

Um, okay, I would have known. What's the dumbest thing you've ever done with money? Oh. Who's that one? Who's that one? That was so bad. That was so dumb. Come on. I'm regretful. No shame. No shame. There we go. Right back there. Thank you, sir. I'm just gonna say. In a room this large, I know you all did some dumb things. These are fun. Hi there. My name's Edward. The dumbest thing. Well, I've done many.

But the one thing that came to mind when you asked the question, I had a perfectly good paid off

2000 to accurate TSX. But I wanted an ILX, which was really dumb because it's basically just a

fancy Honda Civic. So I kind of went back in time. And so I took the perfectly good car that I drove about less than a mile round trip to work, traded it in, and leased a car. Yes. What was the lease payment? Oh, God. It's like 499 out or 399. It was really dumb. I actually went back trying to give them back the car and get my other car back when I kind of woke up the next day and realized the stupid move I had made. Did they say no takebacks? No. I even called like Honda

Accurov. I was trying to fight with them and they're like, we don't get involved between you and the dealership. And so that was my stupid tax. And then since then, I've not leased cars, but my goal now. I got one paid off and I'm working on the second one. That's nice. That's good. Way to go. Oh, yeah. Oh, yeah. We got, we got a little piggy bank for you. Yeah, it says stupid tax. Is there a mind you?

And that is, yeah, I hear you. The stupid tax. Throw that to a volunteer. I'm not that athletic. I'm going to say that's a pretty normal. That's a normal day. West to catch that. Please, West. Nice. Well done. Go team. Let's go. Go sports. Go sports. All of them.

Okay. Let's go. Let's get away from money for a moment to the other major topic that always

comes up on the Ramsey show relationships. So here's what I want to know. What is the biggest red flag that you've ever had in relationship? You didn't see it at first and then a whammo

“you saw it. And maybe you ignored it to your detriment to your detriment. Who's got one of those?”

I see a hand right over there. Yes. What is your name? My name is free. Retell us about this. He got a girl pregnant while we were together. Red flag. That's all the flag. What is it? I don't think we had a color for what that flag. It's black flag. Like with a pirate thing on it. We're going to kill him. He convinced me he was going to be the best thing for us. Wait. Tell us about that. Okay. Okay. Wow. Okay. Here we go. How long is you been where you

married her dating? We were dating. And how long has you been dating? Four years. Oh no. And how did you find out that he got another woman pregnant? She showed up at our door. Of course she did. To out him? No, to try to beg for him back. So he was like dating this person. This was like an emotion obviously. You know, they've been dating for a couple months. I found out. While you were dating. Yeah.

“And tell us this this logic of his that this was the best thing that ever happened.”

Narcissistic. Well of course. But what did he say? What was the spin that we would come out stronger and better on the other side? Wow. This guy's special. Was he in sales? No. No. He should have done that. I agree. Yeah. Wow. I am so sorry. I'm not so sorry. It's okay. He I I one day. He was not home. And he simply came home to nothing but a key. Oh, I go for you. That's awesome. Thanks for sharing that. I didn't see that one coming. This turned into Mori real quick. Yeah. No. True. Wow. You are the father.

He is. Yeah. Yeah. He was. Yeah. He was. He wound up to it. Okay. Let's go back to money.

First, I get I want to know what is the craziest thing you've done to pay off debt.

Oh, I like this. What something that you've done and you're debt free during that you're like. Wow. That's crazy. We might have been desperate. Like didn't pay for water and went to a gym to shower. Right. Like that would be in that category. Or like a side hustle that you had. That was kind of something funny. Like a quirky something. There we go. So that's my lovely wife Lisa. So Walmart will match ads. If I could say that, but, you know, that there's they would match

ads. So she would load up two carts, find up all the ads that she had like go through the newspaper. And, you know, if it's price, they would like match it. Okay. She would go and have like every time we do our grocery run, she was like determined. And, you know, she'd find there's that there's just tactic. Right. You find the youngest cashier that has energy. You know, you know, not that somebody's like, kind of jaded and like, yeah, I'm like, oh, God, you're going to go back.

Oh, that's good. What is that? You know, we know we know. We're in danger. We're in danger. We want to stay away from Brenda. Yeah, but she did that for, we did it for, I think, a couple of years where she was just, you know, determined. So what was the average amount you think you saved on on your order? Hunter bucks. Wow. Oh, yeah. That's good. That's a good one. That's good. The price matching. Yeah. Anybody else? Good time for one more. Any other crazy. We're looking for some fun crazy.

Oh, yeah. We're right here. Right here. It's not smelling. Okay. Tell us your name.

Hello, Hunter Tiana. First time. Nice. Well, it's not that big, but I'm from Costa Rica.

And when we moved to LA, my friend's called de when I meet up in Miami. So I started going to this plasma center to blood drop glass. Donated plasma to go to the mine. Miami to Miami. Good. My friends. And I came back. Okay. Thank you. How much did you make the first time to $100? And I brought him with me. My husband. I had got another $200. You wrote them into the Miami trip. He had to donate too. No, it was a grocery trip. He didn't get to go. It was a girl. Also,

“you hate to kill plasma. That's what I'm saying. I didn't catch them. That's where we married at the time.”

Yes, so keep him around. You know that if you go, you get a referer. It's like, I have to bring him. You get a referral bonus. Yes, I can say a home. I went to Miami with my girls and it was fun. That was good. Wow. I love that you didn't go into debt, though. I really respect that you were like,

side hustle. Your bond keeps you. Okay. Yeah. It's good. All right. Very good. Okay. Up next to the mic is

Gloria and Christopher. Welcome them with a big hand. Here they come. Yes. Hi. Hi. I'm Gloria. And my name is Chris. And we're from Orange County. We are in our 30s. We're on baby step 3B. We just paid off all our debt at the beginning of this year. Thank you. And so we're starting to experience some growing financial discrepancy with our family and friends, as well as discrepancies in our world views, because of the finances, like explaining why we're making certain purchases now and what our

end goal is and things like that. And so do you have any advice on how to navigate through these relationships long term? Like, what can we do now? And what can we maybe set us goals for

the future? Give us a little bit more. Maybe something specific. And what is the issue and who

are the family members? Is it friends too or just family? Both. I'll say through this financial journey, our wealth has grown tremendously. So it's been showing, you know, in how we live our lives. In what ways? Is it trips cars or how trips cars? Are you guys flaunting it, bragging in front of them? Or are they just kind of see it? Like, oh, wow, I guess they're doing

“I think they just see it. And who's they? I don't want to walk in on that.”

Like my siblings, you know, of course, we all live nearby. Yeah. And then, you know, obviously we go to church. We have friends that we see regularly. And then, you know, we're sharing

life together. So all of a sudden we're making like bigger approaches to go traveling more often.

And then, and I don't know what they are thinking. Nobody's come up to a sudden and said, oh, why are you doing that? Or kind of try to review us in some way or whatever. But we also need to be kept accountable, right? So we are sharing with certain people the mint, I guess, like the mindset behind it. But then, are they asking? I think it's understanding that there's a kind of, at least with my friends that there's a understanding that, oh, hey, I want to be kept

accountable as well as them too. So accountable for what? I guess just the accountability in like spiritual aspect. Make sure we're not flaunting. Yeah. Or what we have. And so you bring it up so that they can hold you accountable to not flaunt it. I guess the, we're sharing life already, okay. So there's accountability in all aspects of life. Yeah. And then now we're traveling more. And they have not said anything to me or to him either. But it scared this is all in your mind.

I do too. I've got one reality. Well, no snipe. Okay. Yeah. It's like a no side eyes.

“This is a new way of life for us. Yeah. I think maybe that's what I think you guys are uncomfortable”

because you feel like you've outgrown them financially. And it might be more you guys projecting than the reality of the situation. Could that be true? Yes. I think there's that too. Of course. But that's my question is we don't know exactly where to go. Like we do feel that. And so you feel what? That we've some, and I don't want to say outgrown, but we are on that trajectory. Yeah. We do see that. And we have all the makings now to be successful in a way that maybe they won't be.

Okay. So here's my question on that. So I think that now we're right now we're on this. Okay. So do you, do you feel that they are celebrating you? Are they excited for you? Or is it just real quiet, standoffish, on this stuff? I mean, what's really happening in conversations? Do you feel like they're for you? I think generally yes, with my friends of, yes,

“with my family, it has not yet, I think they have not seen enough. But I do, I think it's maybe”

you know, inside me. I do anticipate some conversations or maybe implicit judgment coming from there and about how we live our life. And I'm not apologizing for that, you know, because we are really trying our best to live right before God. And that's all that matters. But then, I think there is, how do I just navigate those relationships? Like, for example, maybe like my brother, I might have to put him out there. But yeah, he's on a different trajectory. He's a late

bloomer. And so, when you're saying trajectory, you mean because he's in debt and he doesn't care to have debt and he lives under his paycheck. Yeah, all that. Okay. Yeah. And he's, yeah, so he may not understand, right? And part of our journey here, we're so excited and this is a truth, right? So we're trying to, we want to share certain things with our family so that they understand as the trajectory goes, it's, we're getting further and further, he's staying like this. As far as we know,

make decisions, like family decisions or whatever, that he's not going to understand what world view we're coming from. He doesn't understand now. So then, how would I, I guess? You got a lot of go. Because when that time comes, right, we're maybe you have to make a family decision or something about the parents or something. I'm, I'm getting where you're going. And at that point, you know, then if he leans in, it says, "How are you guys been able to do this?" And this, you can begin to

talk about the principles that you follow and how it's allowed you to build wealth. I think with the friends and everything, I think, I do get what you're saying. I think that when you begin to experience wealth and, you know, you want to be around people that are celebrating it and you don't strike me as a couple that's flaunting it. And so as long as you're not flaunting it and you just

are sensitive to that and be aware of that stuff, then, you know, with siblings, I would never

talk about money with siblings unless they ask specifically about, "Well, does this Ramsey plan that you're doing?" And I'm interested in that. But to talk about your success and all that, I mean, I just think it's such a sensitive thing. Well, you want to weigh in on this? How someone

“feels about your success is none of your business? You can't control it. And so all you need to”

do is ignore it. And like I said, listen, we deal with money for a living and I don't talk about money ever unless someone point blank asks me for advice. Otherwise, I don't put in and go, "What's the payment on that, huh?" I don't go to my neighbor's like, "Is that a lease? Looks pretty fancy, you know?" I don't get involved. We talk about the kids and the weather and, you know, so I would just avoid it unless it comes up naturally and it's a spirit of they actually want to

hear from you versus they want to make petty remarks. Yeah, and the fact that there's been nothing

explicit said to you all, something's stirring inside of you. And I don't know, I don't know, you, so I don't know what it is. I think it could be a little insecurity in your own self of like, I don't know how to handle these decisions we're making and what people are going to think about that and that makes me feel insecure of what they're thinking about me. Right, and that's more your problem than theirs because they may not even have a problem. That's true. With it. Also,

the accountability thing, like I don't know, there could be something that you're like, maybe we are being a, I mean, I'm not saying you are, but like, if you are being flippant with money, like going to Disney World with your daughter, you know what I mean? I don't know. I'm saying to my self and you're like, oh, and you get that gut check of like, oh gosh, our people are going

to think that this is too much because maybe it is too much right now and maybe we really didn't

need that and I was trying to satisfy something inside of me with that purchase. And you know what I'm saying? Like, there's so much psychology in this for you. And so that's the questions I would be asking. And from the accountability standpoint, make sure that those are people that want to talk about that with you, that you're not forcing them into a conversation, that then they kind

“of feel awkward or they don't know how to be truthful with you because you know what I'm saying?”

Like, that's that whole, like, I get the accountability thing, but also like, y'all could just be great partners in that too. Like, you don't have to rope people in specific numbers to, like, unless they're like great friends and you, there's a lot of trust there. We have not shared numbers, but that's a good point. Yeah, so there may just be a hot season of like, yeah, maybe this is a something that between us and do you wish you had people in your lives that were

excited when you got a new car and like, oh my gosh, show me I want to see it. Oh, you know, sure that would be nice, but that's probably not the reality for a lot of people and that's okay. And people will judge and Rachel is just featured in people magazine because of some flack she got for flaunting her pool and I'd like for her just to share what happened. There's a smart one in happy hour episode.

Oh, you just all see it. Yeah, y'all. Who saw it? Okay. Wow, we have a lot of fans out here. That's great. Anyways, I just said a quick Instagram picture. The other weekend, those warm and natural my kids are swimming in our pool. And I'll be honest, I did look up and our Tennessee flag was flying perfectly. I thought it was pretty. So I did. I just took a picture of the kids in the pool swimming and I just said like happy Saturday. I don't know. Well, Jonathan came into my DMs.

“Jonathan's golly. He's related to Brenda. I think Brenda and Jonathan are related.”

No, Jonathan was like, wait, I came and already said, wait a, wait to just tell everyone your rich. So you're so tone deaf. If you were your pool, you have pool, your tone deaf. It was like this whole thing and then that so I voice memo to him. So yeah, we're live and so I'm already happy. I said, Rachel, you know the life hack, how to get against these hecklers, you just send them a voice memo. Because then it goes, oh, it's a real person. It reminds me, like I'm check, check stuff. Like I'm a person.

There's tone. So I did. So I was like, hey, Jonathan. I'm so sorry. My pool picture triggered you. And I did not mean for it. That was not my intention. And yep, so I won't post about my pool anymore because I don't want you to be offended. And then I jumped back on because like, well, that was a lie. I probably will. So I was like, oh, sorry, Jonathan, we're going to summer months.

Totally fine. Have a great day, though. No response from Jonathan to this day. No. Anyways, that was a hater. I love that. Hey, last thing I'll tell you this, because you guys are

a young couple. Okay. And here's what is going to happen. And Stacy and I never saw this happening,

but we're now middle aged. And they're going to be couples that you're really good friends with right now, that you may not be and probably will not be really good friends with 20 years from now. And it's not over some nasty thing. Doesn't have to be a breakup. And not even money. It's not even anything negative. I'm saying just a natural drift. And it's kind of weird and sad, but it's really natural. So just wanted to give you that.

“Like life is going to keep moving and, and, and some people won't move with you.”

That's all I wanted to tell you. But hey, give them some love. It's great young couple there. Thank you. Awesome. And hey, congrats on all the hard work. Yeah, I've been so intentional.

Yeah. Our next question is brought to you by Yeryfy. Thank you. When you fall behind on

paying back your private student loans, it can feel like your life is being held hostage, but Yeryfy helps borrowers explore a fresh start with a low fixed rate refinancing and a payment plan designed around their ability to pay. So visit yeryfy.com/Ramsie to learn more. That's the letter Yeryfy.com/Ramsie may not be available in all states. Up next, we've got Jennifer coming to the mic. Everybody give Jennifer a hand.

Hello. This is so exciting. My name's Jennifer. My husband and I have been married for 25 years. And we've listed in the day of Ramsay the entire time because of that, we're completely dead free including the house. There we go. Because of that and saving and saving, we have a large net worth. And so we are going to be giving, if we don't spend it all at Disney and all the fun stuff and die was zero. Yeah, girl. So if we don't do that, the nephews will be inheriting a large

sum of money. But they have no idea. And nobody has an idea of that. And so how can we, we want them to find their own way in life? But what can we do to ensure that the money, if they do inherit it, they don't blow it. Oh, wow. How old are they right now? They range from 6 to 24. They're 6 of them. Wow. Okay. And you all don't have kids. We don't have kids. We don't have kids. So three dogs. Those are our kids. What side is it? Your family or his family side? Two on my side, three on his side.

Oh, okay. So it's both do this. You guys are great. I know. And then mom and dad, the brother, no, my brother knows he's our executor, but nobody else has any idea. They have no idea what it could be.

“Okay. So five kids, 6 to 24. And is this after you pass whatever's left would go to them?”

The majority. Okay. So we don't have to cross that bridge today, but we're sort of planning ahead for the future. Do you guys have a will or a trust in place right now? We do. We have a trust in right now at it's like age 25, age 30. If there's like a medical issue or something, they'll get a special money set aside. But I had a thought like, could I make them take financial peace? Like,

what could I do? So then they don't always do cash. Because it's your money. We literally,

Winston and I just did. We did our will. Last week, actually, we sat down because we hadn't done it since Amelia was born. So like it's been. So we literally have just, when I just had this conversation, because yes, in the living trust, you can put a lot of stipulations in. And so I think there is a very, there's one that's pretty normal. I think in that world, which is like the, it's the moral code. If there's drug addiction, if there's unity, I mean, like, there's a lifestyle that that money could

absolutely ruin someone if they are stuck in a cycle like that. So that's a pretty standard clause. So I know we had that in there. And then Winston and I said that one of the, what's really important to us is that they create a lifestyle themselves and learn to live amongst what they are bringing in on their own income. And they create a baseline for years, for a couple of years. So we actually delayed some of our stuff going to the kids. I think like, we like, we, we, we, we staggered

like the 25, um, 25 years old, 30, we did the very similar. And so in that stipulation, I would put for the executor to oversee and make sure that, yes, that they are working, that they are floating their own life. Does that make sense? Yes, because you start, you learn to live there and it's great. And you have the dignity as a young 20, something you're old that that is your life. And then when it's handed to them, what's going to happen

is the habits that they've formed, the good habits there are magnified when they start to enter into the money that you all have left. So the hard thing is you can't control, right, exactly what they're going to do. But yes, you can put in there that they have to go through financial

“peace and diversity. I mean, some, you know, I don't know if you want to clause about debt in there.”

You know, I mean, you could go out. You could tell you must pull credit report, can't be any debt. You have to do a drug test. I mean, you could do all the things you

you want to be either when you're gone, right? From the end. I'm not going to know. Yeah,

you're not, yeah, that's right. But I'll go with your state planning attorney to say, hey, what have you seen work well that actually is a blessing to families instead of, you know, makes things blow up. And so I love the idea of, hey, anytime you can use it for education, you can have this much when you get married for a down payment. You can use this much at 30 and you'll get 25% more at 40, 25% more at 50 and the rest at, you know, you can set all of that up

however you guys decide. And I love that you're being so intentional with it because it does ruin people's lives more than a blessing than if you do it wrong. Yeah. And if the, if you trust your brother as the executor, you know, you can have in their plan B where they would extend longer. If he doesn't feel like they're doing well with it, that can get messy quick sometimes. But yeah, there's definitely like tons of different stipulations you can put in.

Fabulous idea. You know what? I've heard this question many times before. I've never had this idea

“before. You may hate this idea. So you can hear it. I think you should do a video, a heartfelt video”

to all of them. And just pour your heart out or you can write it. But I think it would be really cool to a heartfelt video as to why you're given the money and what your hope is for them. I think it'd be pretty amazing. And that's sorry. I know we keep talking. But I, the ages are up here again. I forgot. Once 24. So I would, can I, can I, can we ask how much are you, would you rather not say? Okay, they're not saying that's fine. Yeah, that's fine. I would start having conversations

with that 24 year old because he's going to have to learn the responsibility of handling that. And if he has no idea and it's just thrown, right? I mean, like, at him, like, that's, that's not good. And so there is a level of mental and emotional preparation of the weight because it's a weight. Like, they're going to have a responsibility that they're going to carry with this. But I, what, he's old enough, I would start having, yes, age-appropriate conversations and you'd have to

“loop in the parents, obviously, and give them a heads up of what's going on. But I think that's a”

good manager. As a manager, you wouldn't just hand the keys, you know, to a, you know, a Ferrari do a kid and just be like, here, have fun. You would, you know, you want to have those steady conversations, though. So I would, at the 24 year old, I'd sit him down and talk to him about it.

Jennifer, you may be the greatest antival time. It's years later, I hope it's amazing to give

us some love. Thank you. Thank you. Thank you. All right, up next, I hope I'm saying this right. Welcome to the Mike Redwald. He's coming, where there he is. He's actually one of the prices right. I don't know. Yeah, he actually is running. I feel like, come on down. Here he comes. Now he's coming back together. All he gets clap for him. He's got a, there he comes. He's making his way. I thought he was going to crowdsurf over there. I know. How are you, sir? Hello, hello. I'm good,

and good. Did I say your name right? Yeah, yeah. But, but, but they go by, Ron. That tracks. That's, that's, I want to be a little easier. Redwald, Redwald, this might

“real name, but I go by, Ron. Right, I like Ron. I'm going to call you Ron. Is that okay?”

Yes, yes. All right. All right. Yeah. So, I'm an engineer. I'm in Baby Steph 7. Hey. Congratulations. And I'm also a Ramsey Certified Financial Coach. Oh, awesome. Thank you, sir. So, yeah, big fan. I do have the Ramsey Network app installed in my phone. I do have the every dollar app installed in my phone. So, my question is, you have any fun? Just hit. My question is, when will the Ramsey dating app come on? Oh, bro. Listen to the crowd. There were a lot of

single people in here. Yeah. We asked earlier. We got a, we got a single lady. There she is. Where? Where? She's waving. She's waving. Would you like to be in the app? So, I'm really interested in a Baby Steph's millionaire. What do you think are running? Take a good look at Ron over there. Uh, Baby Steph's 7. He's an engineer. Ron? That's great. What kind of retirement portfolio do you have, Ron? I'm going to make this happen

tonight, who needs an app? How much money you got socked away, Ron? No, I'm kidding. What you just let it roll. He's going to tell us. All right, Ron, let me give you what a day I've been working on this. You have the, like, you guys get to pick the names, throw a bread's only or endorse love providers. Interested in either of those, doing anything for you, Ron? I'm going to, I got another one. Live like no one else. I was going to say love like no one else. The name of the app is love like no one else.

I am 52. Wow. Ron described your dream lady. Go ahead. Yes, the question. Not, not in

public. Oh, wow. Wow. God, back real quick. Ron, I was thinking, P. G, pal. You went R. You know what's funny. We have a, we have a Ramsey big shot in the audience tonight. We got an executive in the house. Okay. Tell me more. Jeremy Breelins right down here on my right. Jeremy is there ever a chance that there will be a Ramsey dating app. You have heard the people tonight, sir. He's nodding very slowly. There is, oh, you're going to be your chair. Oh, my gosh. The boss is here. Yeah.

No comment. Okay. Very good answer. Good answer, folks. So there you go. I mean, we're talking of big hauncho. There at Ramsey. He has been advised. He's heard you. That's all we can say. We don't know. If you like the big liability. I do like the name. Love like no one else. Yeah, that is strong.

“Trademark that cat. But you know, here's the thing I got to call out. Ron and all you other folks who”

want this for three decades, Dave has said, be weird. And he's talking about, obviously, counterculturally, but that does bring out some actual weird people. So the app could be kind of a jungle. One, then you're only searching your filtering by baby step seven. That feels gross. You know what I mean? Like Ron, would you, would you date it? Would you date a baby step two lady? Of course. Of course. Yes. It's lunch. All right. Where are my single baby step two ladies at

raise your hands? Do we have a date on the books? Okay. So here's what we're going to do. I got something

in the box here for Ron. Yeah. The treasure box. Ron, I got some flowers back here. Hey. Oh. Come on up, Ron. Ron. Here's some flowers. Find a nice fetching young lady and shoot your shot. Little lady. You know what? Forget the dating app. We should do the Bachelor with Ron and on the Ramsey network. Now we're talking. Yeah. I don't have to consult Jeremy on that one. That's never happening. I want to host it. Thanks for your love to host it. Thank you, Ron. You're

great sport. That was fun. That was really fun. All right. How about another flip to script? You guys a little, I love a flip to script. We're going to ask you some questions. All right. Oh boy. This is fun.

Has anyone fallen for a scam? Oh, a scam. That's a good one. Have you fallen for a scam? Oh,

where? Where we got we got us. Yeah. We've got we've got some and someone down here. Oh, we got to. This will be great. We have 18, well, cell phone people showed up at our house to sell the

“plan. And my husband cannot say no. So then I'm driving and he's like, you need to be here now.”

He's going to save so much money on our bill on our cell phone bill. So we already have all the phones paid our bills pretty low. Oh, no, but it's going to be much lower than that. So I get the house and we fall for the scam and they promise us one specific phone. I said, is this finance because I'm not financing anything? No, not at all. And then what happens? It was finance. And then you're going to get this one phone, the 17 whatever. And we get 17 Pro Max and we get the 17

mail. So like, we got the wrong phone. And then I complain just like, well, you cannot do anything right now. I said, watch me. So I called back to the old people and we moved back over there. But you know, all of that cost us the stupid text. And my husband, it was my fault. That's like really. So it was actually the cell phone company. It wasn't like they were faking. No, no, no, it was the cell phone company. Oh, man, just not great morals on our side. George,

“if you, we had someone down here. Yes, someone down here. 100%. Right here. Sorry. What were you saying?”

Well, I was going to ask George if he had been skiing before. I was a young man, but I sent the pair of shoes. I was selling Nike's on Craigslist and a man in Nigeria. It's not a, this is not a knock on Nigerians. He just happened to be from Nigeria. He said, I'm buying these from my cousin. I'll pay extra for shipping. I get the email from PayPal saying, hey, he actually paid me the money. I shipped the shoes out and realized that was not a real email from

PayPal. He scammed me and the shoes are now in Nigeria. And six months later, I got the shoes back and it said return to center. So I just lost out on the shipping money, but I got the shoes back. Well, that's actually really happy scam story. Thank you. I appreciate that. Yeah. All right, sir, what is your, you look smart. I'm shocked that you fell. I was shocked too. So I had gotten a legit email from ticket master about a pre sale on a rugby match. It was South Africa versus

to do the pre order. It wouldn't go through. So I googled the ticket master number and a number

came up. I called it. This guy answers, walks me through order the whole tickets. He says, you'll have your, gives me a confirmation number. Everything says you'll get your tickets in your email within 24 hours. I waited 24 hours and it wasn't there. I called ticket master. They're like, that's not a good number. And so I went to my credit card. Sorry, guys. I went to my credit card and it was a charge to an airline in India. Oh, no. Yeah. I mean, I googled ticket master phone

number and then I did some research later. And I guess that there's ways to raise these fake numbers to the top of Google. The worst part was that by the time I realized I didn't have tickets, it was sold out. So I did get to get to the gate. Did the credit card company refund you?

They did. At first they said, well, you gave them the number. I said, but I gave them the number

“to think he was ticket master and it was not. And so yeah, I did get the reimbursement. But that's how easy”

you can get to give them. Oh, I know. They had pity on you. That's nice. That's tough. What about anybody got an impulse purchase that you just absolutely regret? We love hearing the impulse purchases anything. Anybody got one they want to share? Everybody's embarrassed. Here we go. Right back there. Yes, ma'am. Your name. Hi, Stephanie. Stephanie, tell us about your purchase. Well, it's not my purchase. Oh, well, that's my fiance. Oh, he's right here. Oh, the row mother

loves us. Is he okay with this? Yeah, he'll be fine. He'll be fine. This is the rest of your life, man. Just know that. We went to, we were in Europe like two years ago. And we were in Monaco. Mind you, we had been together six years and I was waiting for a ring. Uh oh. He decided by a $3,000 Louis Vuitton duffel bag and for new for himself. Oh, man. He did buy me a purse, but that's besides the point. Yeah, we can tell. Oh, and we have the ring now, so I don't know where

“he is. He worked out. Wow, and he stole of the purse, right? I have the purse. That's what I'm”

in. What about the duffel? I told him to sell it. He did not. He still has it. Still has it. Yeah, okay. That's a big impulse. It's a bold move to buy the bag right in front of her. We haven't sold it yet, though. I'm thinking about it. The duffel? Yes, sir. Okay, I mean, you're, are you going to get good money for it at this point? What's the resell value on that? I have to do my homework, sir. All right, well, at least he's thinking about the cash. Oh, my God. No, put it on my card. No, you went into

debt for it. I was going to say, I was zero, but no, you went below zero. You went negative. Man, your father would be mad at me. No, it's fine. He's not here. I got the points up. The travel points. What would Dave say? You got the points. Well, that's just stupid. How about that? Well, please. That was before I started listening to Dave Ramsey. We got a no shame, man. Thank you for sharing your story. That's great. That's great. And you got the girl. So you meet, you somehow pulled it out of the ditch,

but that was an all-time move right there. In Monaco, she thinks the ring is coming. He goes, I want that duffel. All right, last one, I got, I got a good one. Who has loaned money to family your friends, and it went sideways. Oh, boy. Maybe a co-sign situation. Oh, we got one up here. We got two down here. Oh, this is fun. Um, yeah, I grew up with this kid, his name's Skyler. He was trying to be a comedian on YouTube. He was actually, he was actually a very first red flag.

No, no, but, but he was actually doing a lot of skits with a lot of popular ones. So he was like blowing up in one day. He was like, hey, can you let me borrow $600 so I could get a better camera. I'm like, boom, okay, go ahead. And then two weeks later, he was like, hey, I'm trying to get a $2,000 loan. Can you be my co-signer? And I was like, how about your family? He's like, oh, we haven't paid our phone bill.

That took me off so much. I've never done this, but I cursed that mountain. I was like,

if you have this friendship, like, this is over. Oh, but it's because it was six months later. Sorry. Six months later, he only gave me $20 in six months, but I'm the top that I don't be like bugging. So I was just waiting on him. I was like, I can't believe you don't know. Yeah, though.

“The courage to come and ask me for more like mayonnaise. Was they got a call on this?”

Yeah, thank you for cleaning that up. It's not really true. Yeah. Well, I thought that was going to get Darcy. Is he a successful comedian today?

Yes, hilarious. That sounds like, yeah, I put him in the comedy world, guys. Wow, jokester. Yeah, but. Oh, no. Wow. Okay, that's a good one. Okay, someone down here. Someone else. Yes, over here. So I separated from my kids dead in 2022. We tried to make a work in 2023. He came back and he had a loan payment for a truck and his interest rate was about 11%. At that time, we thought we were going to make it work forever. And I had money

saved in a money market for my kid. It wasn't transferred yet for my kid's college fund. So I pulled out $37,000 to pay off his loan, where he was the person that owned the truck. And we agreed verbally that he was going to make payments at 0% interest for five years. He paid for it for about a year that we were together. And then we separated again in 2024.

And yeah, that's never not another penny. $29,000 of a truck he's currently driving out that hurts.

And that knowing that it came from my children's college fund. That adds insult to injury. That's horrible. I'm so sorry. Man, that's the tough one. That is tough.

“Okay, that was fun. Thank you, guys, for sharing. It was now a win or a low note. But I think it was worth it.”

All right, quick, raise your hand if someone in your life depends on your income. A spouse, kids, I'm in it. All right. That's that's great. Now, how many of you that have your hands raised have term life insurance keep it up? All right, we saw some hands go down. But I like how many people are actually doing this stuff. So here's the deal. We've taught the stuff for over 30 years now. If you have anybody depending on your income, you need term life insurance. And people get confused because they go,

well, once I'm out of debt, then I'll maybe get term life insurance. Once I have the money, this is not a baby step. This is a non-negotiable you do before any of the baby steps. All right. This is playing defense for your family. It's a way you say I love you. And it's why we've recommended gender for term life. It's who all of us have our life insurance through. Yeah, Zander's awesome. We've been partner with them for over 30 years. And when, you know,

“you can look at whole life. You can look at term life. Term life is the way less expensive than”

whole life. And it is a term. So it will end up right to be on what you buy, how long you have it for. But the idea with the baby steps is, eventually you will be self-insured. You'll be too a point that you don't need it. There's everything's paid off. You have enough in the retirement. Everything's good. So term life inexpensive. And especially if you are healthy, you guys, like I'm telling you. And if you're young, if you're young, couple in here was like little kids,

you need to get it. You need to get 10 to 12 times your income. And if you're a stay at home parent,

you need at least half a million dollars on you. I'd probably do even more these days because it's going

to be a lot to care of those kiddos. And so it is that it's one of the saddest calls we get on the Ramsey show. People that lose a spouse and there's not life insurance. And they have to plug it and figure out financially. So this covers that. Like it is, it is well worth it. You guys. And yeah, Zander's great because they're an independent broker. Yeah. So they shopped the top rated companies to get you the right coverage of the best price. And if your income has gone up, if you've had a

“job change, a life change, you need to maybe get another policy to stack on top of that. Maybe”

10, 15, 20, 25 years. And the goal is when the term runs out, you're self-insured because you've all the principles. Your home is paid off. You've been investing for decades. So your family's going to be okay at that point. And so if you don't have it or you need more of it, go talk to our friends at a zander. You can jump on to zanderwithazander.com for instant online quotes. How much would you have to make per year to feel financially secure right now? I'd say probably like seven figures.

A million bucks per year, you'd feel financially secure. Yeah, you've got a shoe for the stars.

What's the minimum you need to just make it work? Like cover the bills. It's covered living out in West Hollywood. I mean, all depends on your lifestyle, probably like five, six K. You could make that work with high cost-living high taxes. You just got to be careful with your money and how you spend it. I feel like right now I'm like, I'm secured with what I have. It's just like, usually if you get more, you're just spend more. I kind of feel the same. I feel like I'm rich at the

moment. And I'm not making millions of dollars. So I think it's all depends on the lifestyle you want to live. 150 grand minimum. Yeah. That's in LA. The cost of living out here. In LA, yeah, 150 grand. It's like, it's a comfortable amount. It's a good amount. So you know, go out to dinners at least two or three times a week. Well, it's speaking of friends. Obviously, the tour brought to you by our friends at FairWins Credit Union. And we're so grateful for them as well. All right,

back to your questions. Please welcome to the Mike Madeline. Madeline, come on down. Hi. This is a full circle for me. When you had your book, uh, "Sparm Lining Smart Kids," I was there to ask a question too. So that was, oh, yeah, yeah. And that was what 2012? Yeah,

I was working at Ramsey in 2012. And I was there when the book launched. Oh, George,

“what a good friend. I'm an insect. Anyway. So I'm also a Ramsey certified coach. Oh, thank you.”

And I want to grow my business on the side because I have a full-time job. My husband was a Riverside Sheriff's Department Sergeant and he retired. So he's a home all day. And I go to work and I come back from work. And I want to work on my business because we still need my income. And I don't want to jump to get to just work full-time on my business without the income. So then, but then he gets resentful that I get home. And I want to work on my business. And so sometimes

I go sit, he's just watching TV and just playing his game. And I go sit there, but I'm like,

I guess stuff to do. I want to do other things. And there's the house and all that. So how do I

balance in a way that I can grow my business but also maintain my life kind of going? So I can not have him resentful with me. I cannot control what he feels, but, you know, that tension. And but at the same time, grow my business so I can actually have it a full-time. What is the business? Financial coaching business. Okay, got you. Right. And so ideally, if you could snap your finger right now and you're spending time with your husband plus doing the coaching,

how many hours a week would you like to be coaching to get where you want to be? Well, right now, I see my full-time job as my investor, right? Right. For me to be able to

to quit that job, I work for universities. So then my daughter gets tuition for free and we have

the health insurance. So then it would, I would probably, using AI the way I've been using, I would need once everything's my program is together, then I would need like probably a few, I don't know, I would say 18 hours a week right now, but once everything is set, then I would be able to maintain just doing like a live coaching call once a week. So probably about five hours a week. Okay. But until I get there, I cannot, like, try to launch and refine. I got you else. Well,

“the reason I'm asking you this, because I think you're going to have to back into this with”

his feelings, but then your goals as well. And I think, you know, when I heard you say, you know, he gets resentful when I'm doing this financial coaching work, but then when I, not doing it, I just sit in the living room with him and he's kind of preoccupied or watching his show. And so you're confused, like, what do you resentful of? Is that a fair assessment? Yeah. It's not like you guys are going out on dates. No. Okay. So I think, you know, this is a relationship

issue. I think you've got to, you've got to serve the ball back to him and go, hey, you have, it has he expressed that he resents that you're doing the. Yes. Okay. So, you know, if you haven't already, you've got to say, hey, okay. So when I'm not doing it, I spend time with you. We're not spending meaningful time together. We're just in the same room. Right. And I think I would push back gently on that to say, well, that doesn't seem to make sense, because I could be

growing this business that I'm doing this for us. So this may be sitting down with a marriage, there, but just to kind of have a person who can sit in the middle and get both your feelings. I'm wondering if he is not resentful of the time you're spending on the coaching, because he's not acting like he wants to, you know, go out and do all the holding hands and walking around on all this stuff. He's playing his video game in the living room with you. So not knocking him,

but I wonder if he just resents that you've got a vision, and that you've got a higher purpose,

“and you're going for it, and he's not, because I think that's a very natural place for a guy to”

be in when he's, he doesn't have anything going on. Right. And two things going on. And I'm going to bet you that a therapist will pull that out, but I, I don't most bet a large amount of money that he resents your activity. He resents your drive. He resents your vision, and not because he's a bad guy, but it's because he doesn't have it. And every time he sees you hustling, it reminds him that he's stuck. That's my gut. Yeah, and probably salt on the wound that you guys aren't connected.

Right. And so, I mean, if you both were in a place that you were like, okay, yeah, I, I feel so known by him. I feel so loved by him. And he would say the same thing about you and your marriage was in a really good spot. And you're like, hey, there's going to be a season of like grind for me to kind of get this thing going. I think the support would be there. So I think the, when you look

your stuff by any means, just the marriage. So yeah, I would go to him and talk about you, which you long for, not business. I would, I would do marriage, talk marriage. Like, hey, here's

what I, here's what I long for. This is what, how I feel loved. This is how I want to connect and

I want to know you. I have a desire for X, Y, and Z. Like, you guys start rebuilding this connection within your marriage. And then out of that, these life choices of a little bit of seasons of

“sacrifice, you know, he may still miss it. And I think the kids point, I think that his”

identity stuff is going to have to be addressed. And that's his stuff to work on. But yeah, the marriage piece is really important. Yeah. And I don't want that to be pushed aside. I know it's not. But I do want to make sure that it's, I really agree with Ken, because he had a purposeful job. He was protecting people, right? So then I thought that he was going to have an identity crisis when he was here retired. And I thought, now he's going to find something

that he wants to do because he doesn't have to do it. But he also resents that he doesn't

have the money to, he just says, we don't have the money for me to go do this and this and this and this and this. So I'm like, so let me go work on my business. So I can start making some money, right? So here's the technical next steps. Number one, he needs a hobby and he needs a part-time job. He needs to get out of the house. Number two, you guys need to share the calendar with date nights on it. And on top of the date nights, you're going to have your own work schedule

for your side business, which keeps you accountable and lets him know, oh, she's on the clock. Not going to bother here here. We have the intentional time on the calendar. It sounds unromantic. It's one of the most loving things you can do to set those expectations in your marriage. So that you're not hoping that connection happens. You're planning on it. That's really good. Hey, thanks so much. All right. Thank you. Thanks for some love. That's awesome.

All right. Up next is Sherry. Welcome Sherry to the mic. Sherry, come on down.

“Let's go. Take a second in my head. That was going. Oh, Sherry. Nice. You should have”

went. This is my mind. Want to let you know what's going on. All right. So I'm a single mom of three boys and baby's up to. And in October, my boss had come to me and it said, I'm not laying you off, but I'm cutting your hours to 20 hours a week. So I found a new job kind of out of desperation because I can't do this in 20 hours a week and you don't have side hustles. But I started a new job of the industry. I actually really like when you talk about finding work that you're working to do.

I found an industry that I love. But I feel like I settled on the pay. It was the same pay. I bet at the same pay for the last almost four years now. And as soon as I started day one, I realized I'm overqualified in the role I'm doing. There's room for growth. But my question is how soon after starting a new job, can you go to your boss and ask for a pay race? Yeah.

“Because I was also offered benefits, which I have not yet received. Okay. What industry are you in?”

I'm working in the accounting right now. Okay. And let's just talk for your future for just a moment. Then we'll come back to this moment. What would be an ideal role for you down the road? As you continue to learn, get the experience in the accounting field. What would be an ideal job? Well, I was an office manager before, right now I'm running in the front office for this very busy accounting firm. I just finished taxis in there and I loved it. Awesome.

So this is a role. I'm 48. I can see myself doing for the next 150 years. But you see some growth of in the industry. Yeah. What I'm saying? I mean, if they're job I'm at now, they do payroll, they do bookkeeping. There's a lot of stuff. So it keeps them busy all year round. Okay. But I don't want to do it. Like, I don't want to go through another tax season, but Perry, I'm doing right now.

Oh, I get it. Okay. So here's the answer to your first question. How is it when is it too soon?

There is no universal principle or law that says wait six months to ask for a raise or wait to them. There's just no data. There's just common sense, right? And so I do think it's too soon for you to ask for the raise. But I don't think it's too soon for you to go to him and say, hey, when you hired me, you talked about benefits and I'm just following up on that. I'm a single mom with three boys and as you might imagine, sir, or, or ma'am, you know, that's a big deal.

So you can follow up on that because that was promised to you. You don't have to slink into the office on that deal. Yeah. Now, if it's a bad person, and they just sucked you in because they needed another body for busy tax season, then you know, okay, this is not a place that I'm going to stay because they're dishonorable. Well, there is a very high turnover there. Yeah. And especially

55 hours there. 100% and during tax season, I was working 50 hours a week there. Right. Right. Well,

“you got to have benefits. You have to. You know that. So that's conversation number one tomorrow morning.”

Okay. So that's the first thing. The second thing is the way to ask for a raise in my opinion is not to ask for a raise. Because when you sit on with a your leader, your manager, and you say, hey, I want to make a raise no matter, I want to raise no matter how you position that, if you just make it that blunt, hey, what do I need to do to get a raise? It immediately puts that leader on the defensive. Okay. And many times, and I'm saying this to the broader audience as well, many times

your leader, your manager doesn't have the ultimate call on that raise. So not only the defensive, because you put him in a situation where you kind of said, I'm hitting the ball at you, you got to hit it back. And they're not prepared for that. Number one, number two, they may not have the ultimate authority to do that. So they got to take it up. So it creates a tension that you don't want. What what you want to do for two reasons is you want to go in and you say, hey, I like this work.

I love this industry. I see myself being here. I'd love to grow. And I know that if I want to grow in this industry, I've got a potential opportunity. I hope to grow here. And so I want to know if we could meet not today, I'm going to put you on the spot today. But I wonder soon, we can meet about a growth plan. And I would love to know for me, what are some skills you think I need to have in my tool belt? What are some things that are maybe weaknesses or blind spots you think I need to

address? And you're asking them for feedback on you. And then you'd say, I'd like to know how I can, not only just add skills or fixed blind spots, but what can I do that can be measured that we agree on in a growth plan that would allow me to get more responsibility and with that responsibility more pay. I guess I follow up is because I loved it so much. He was teaching me how to do the touch of turns and everything. I even looked online. I saw free classes from

into it that teach you how to do, you know, taxes and all that. Should I, I don't even mind doing not in my evenings, my weekends and going learning, shall I have no that I want to do this? 100% because it shows some hunger. Now, here's the back end of that. When you approach it that way that I just laid out, you're going to find out really quickly how valued you are. If you're valued and you have a healthy leader and healthy organization, they're going to respond to that. If

you're not valued or they're an unhealthy leader, they're going to kick the can down the road and you've put them in the best possible position to respond to you. You didn't sit in there and tell

them how great you are and why you deserve anything. Never use the word deserve when having that

“conversation. So that's what you got to do. Now, conversation number one, you got to talk about the”

benefits tomorrow. Tomorrow morning, your mama bear, three boys got to handle it. If not, you start going around the places and ask around and there are enough places that are looking for quality bodies who can do the job and who are hungry and you're hungry. I wouldn't bet against you ever. I heard the motion in your voice. I worked something I was a week. Yeah, no stopping. Mama bear. Nobody stop in you. Hey, give her some love. This is the real deal. Thank you very much. Thank you.

Thank you. All right. So we've been doing this at all of our tour stops and this is really fun. Okay. So George, you got your calculator out on your phone. Oh, can you get it? You got it?

It's always up on my phone. George, it always has it. Okay. Here's what I'm going to do.

So if you have become debt free in the last 12 months, would you stand up? Stay in a ballroom. That can be consumer debt or the mortgage. That's right. Way to go. Okay. So here's what we're going to do. All right. I'm going to point at you and you're going to really loud. Tell me how much you paid off. George is going to compute this. James is back and he'm up. And we're going to see how much

“debt's been paid off in the last 12 months and then we're going to do a group debt free screen. How's that?”

That's pretty what pretty good way to end the night. Yes. Okay. So let me start over here on my right. Yes, me. I'm right here. How much? 16, 16, 60, 60,000 dollars. Are you can sit down once I just for the moments so that I can see who I got next right here. 32,000. 32,000. You guys can sit down, ma'am. 58,000. Huh? 58. 58. Guys, yell at me. 58,000. That's great. Right here. 260,000. Right down front. 36,000. Okay. Right here, ma'am. 25,000. Couple right behind her.

Half a million. How's that? Yes sir. 25,000. Yes sir. 95,000. Couple right here. Green sweater. Yes.

ma'am. I'm sorry. Right here. 350,000. 350,000. 350,000. I like this number. By the way, this might be our biggest

number. Oh, that's great. You want to change the bank. Yeah, California. It stands to reason. God bless you people. Yes sir. 35,000. 35,000. Okay. Let's go this young couple right here. 90,000. 90,000. Okay. There's shower man. He's showerin it. Planet fitness. I can't wait to. 32,000. 32,000. Hey, the water bill. Yeah, pay the water bill. You've earned it. Yes. 60,000. 60,000. Okay, behind him. 55,000. 55,000. Oh, over here on the wall. Very nice. Right here. 142,000.

142,000. Yes. Right there. How much? 10,000. 10,000. Way to go. Okay. Back corner. 60,000. 60,000. Okay.

“And then right next to you. 10,000. 10,000. Okay, right in the middle. Sir. 22,000. Yes. 210. 210,000. Is that everybody?”

Did I miss anyone? Yeah, if we were missed. Okay. This is great. All right. Wow. What's the trouble? What do you have? You're going to like this one. I think I am. 2,747,000. [ Laughter ] In the last 12 months. And this for last year.

OK, now that's amazing. Those of you just gave me the number stand back up because we're going to be on screen here. And can I say, "You can say what you want?" If you're debt free, if you are past maybe sub-tuner,

then it'll be in the last year. No matter when you pay it off, it'll be in the last year. We have part of this too. We want to celebrate you. Everybody who's debt free stand up, this is going to be great.

All right, I see people already turning their videos on -- We got so lot of debt free kills. It's awesome. OK, you guys know how we do this, OK? We're going to count you down

“and we want to hear your debt free screen.”

George, you want to do the dudes I love too. I love the numbers. I got it here. Here we go. All right, guys.

In this room alone, Sil Beach, California, Ramsey, Shoal Live, 2.74 million dollars paid off. And just the last 12 months with many more becoming debt free outside of that, count it down. Let's hear a debt free screen.

3, 2, 1, we're all free. That was fantastic. That was great. That was great.

By the way, that always gives me the goose bumps.

I got the gooseies. Well, hey, before we sign off tonight, something we've done at every show. And you guys have been a great crowd. But George, a word of encouragement.

Well, what I noticed here tonight were people who have been through a lot of hard things. Getting out of debt is hard, divorce is hard. Relationships broken. That's also hard.

And through it all, you guys said, I'm not done. I got more life to live. I'm not going to go into debt. I'm not going to owe people money. This next relationship's going to be better.

I'm going to solve for peace. I'm going to do the hard thing instead of phoning it in the life. And that is so rare in America today. And you guys inspire me.

So I appreciate you being here tonight. Thank you. So great. [APPLAUSE] Yeah, it's funny.

It's driven to different cities. Every crowd kind of has a different vibe.

It's always been like that always when we do live events

around the country. And you guys are just a really kind group. You really are. I mean, a lot of the questions was a lot of concern for other people and things happening in your life.

And it's just-- it's a really beautiful thing to see. I just feel like in the world today, I'm like, you just don't-- you don't get that message. And there's people like you guys all over. All over America, all over the world.

But your kindness, your goodness, your-- as Dr. Don Glunny says, solving for peace in your life is so beautiful in the fact you're here. You know that you're it. You're the answer, right?

That responsibility you all in this room

“have said, my life is my responsibility.”

And I'm going to take charge. I'm going to be intentional. And in the midst of it, love the people in your lives so well, so well. And I feel like we just heard that theme tonight.

And so we are so honored, honestly, so honored to be with all of you. So we got you. So it's a pleasure to be alongside you and to cheer you on and your journey

as you guys continue to live like no one else. So you can live and give and change your family trees. Yeah, so good. [APPLAUSE] We don't-- Rachel, I think you're right.

And you can't think about that without thinking

“about something that Dave has made famous, right?”

With this audience. And with millions and millions of people. If you live like no one else, later you can live. And like no one else. And there's such great purpose in giving.

And there's something else that comes with these baby steps and what we saw tonight with these debt-free screens. The word is in it. Free, freedom. Freedom to live the way you want to live.

Whatever that looks like, sweet Jennifer, who wants to give away what probably is a fortune to her nephews. That is giving, like no one else. I mean, absolutely unbelievable. There's a freedom that you are demonstrating there.

So the freedom to live where you want to live, the freedom to live, how you want to live.

“And I think that's the message that I want”

to make sure that we all get tonight, no matter what baby step you're on, because this is a tough journey. We heard from baby step, one people tonight, two, three, all across the board.

And the reality is that Rachel's right, you are the answer.

You can do this. And it is difficult in the community, the relationships, to be around like-minded people and like-valued people is what I saw on all four stops. There was tremendous community in the room.

And that would be my final challenge. Don't do this in isolation. And you can do this as a couple and still be isolated. Don't do it in isolation. Community matters, relationships matter,

on this journey, because it is tough.

And you never know what life's going to throw at you.

So we believe in you, and want to say on behalf of Dave Ramsey, our entire leadership team back in Nashville, all of our crew, which by the way, you're fully signed off, I would love on our last stop for everyone in our team. Would you raise your hand or stand up?

We got cameraman up here, all of our crew.

“Would you give our team in a trouble round of applause?”

They have done a absolute heroic job on these four stops. We work with the best people, and they make us look way better than we are, so thank you to our team. And so on behalf of everybody, over 1,000 teammates back in Nashville, we believe in you.

We do what we do because we know it matters. And we believe in you. And know that from the bottom of our hearts. We love you all. Thank you so much for being here.

See you'll be each, you've been a great crowd. We love you. Thank you. Thank you guys. Thank you, everyone. Thank you.