Live from Phoenix: The Ramsey Show on Tour

She said I will get pregnant immediately.

I expect you to set up my baby registry. I want you to help me by the car seat. I want the stroller. And what did you do? We're a little stressed out.

“What is a completely irrational fear that you have?”

I don't drive behind the big tractor trailer trucks that have all the cars loaded on it. I really do have a fear that I am going to be convicted of murder. My adult son moved back home. We are charging him, roommate rent. Do we return it to him?

How? Wait, room here? He's a dead-gum grown man. How old is he? 31.

Hello. Normal is broke and common sense is weird, so we're here to help you transform your life. From the Ranzi network, brought to you by Fairwits, Credit Union, live from Phoenix, Arizona. This is the Ranzi Show. Yes, so good to be in this room.

What a beautiful crowd, a loud crowd, and we're ready to go. We're ready to learn from each other. So let's get it started.

The first question up is Courtney, give Courtney some love.

Thanks for your question. Well, first, thanks for having me. I'm kind of nervous. We're excited. Okay.

My question is, it's kind of embarrassing, but my husband and I have combined our incomes. This is, we've only been married for about five years. And I find I'm having a hard time with resentment sometimes, as I make a little bit more money, but he likes to spend the money. So I know it's right, biblically, it's been great for us to combine our incomes, but I'm

just wondering what steps I can do to change my heart on this issue and like not struggle with that resentment if that makes any sense. Is he in the room? He's not in the room. No, he's a work.

He's a work. Good job. Thank you. Make it some money.

What do you say overspend?

Exactly. He's working. Making money. He's spending more. Like, what does that look like?

Give us an example.

“Is he's just running over to the gas station and buying a Mountain Dew?”

And Conduts? Or he's buying golf clubs. What does it look like? I know. It's probably more like to him.

We have every dollar app and everything, and so we've made line linemen since some of that, we have to kind of figure out what goes where, but we have a general one for Amazon. For him, he's like, look at all that money and the Amazon. I'm just going to get socks and shirts and you know what, my truck needs this and there's your problem.

I know. I got to change that. I think part of that is like we're trying to, well, and what started this was I said something really snarky about a week ago and we got into big fight about it and we ended up working it out.

But part of that was trying to figure out I think maybe how to differentiate that. You need to. But more. Is he going over the Amazon budget, or is he just spending it all on himself before you get a chance to get in there?

Oh, that's not right there. Well, this guy should have been good at it. But it is defense is not resentful. He's just like, no, I don't know. There, I'm myself assured.

Well, that's my next question. Is he on board with the baby steps and your goals? Yes, yeah. He was a little bit reluctant, but once we started doing the plan and seeing the benefit to us in terms of like, oh, wow, you know, we can really put money towards retirement and we can do

all these things. You know, we paid off our debt and you know, all these things. It's been really great.

“Do you have separate fund money line items in addition to the Amazon catch all we do?”

Listen, if it were me, I would just break it up, or because right now it just says Amazon is it like, is it for like household items and he's using it for fun things or it literally is just to your heart's content on Amazon as long as you can. Yeah. And that's part of it.

We haven't like really delineated what it's for. It's just been, I would break that up, busted up immediately. Yeah, because if he's using it as fun money, let's me know maybe his fun money needs to be bumped up. And if you're feeling resentful because you're not able to spend it, maybe your fun

money needs to be bumped up and then maybe the Amazon category turns into, I don't know, like household items or something that's very specific, yeah, we're buying on Amazon just because there was no clarity. I think that's the problem. Yeah.

And for me, there's a value system difference, right? And so I'm probably more on your husband's team or marriage, honestly, I'm probably more him and Winston's probably more you. And I think the frustration can be that he doesn't value X, Y, and Z. So he sees a purchase or you see your husband spending, you know, and maybe the thought

is your knee jerk reactions, like that's so stupid that feels wasteful, that's silly.

Like that. It feels, you know what I'm saying? You, but then I'm like, our argument was over personal hygiene products, like skin

“cream and stuff and historically men can how much do you spend on your face cream?”

Oh, can it. Oh, can it. Can it. Fine. No, no.

No, no. No, no. It's not what you think. No, I do. No, can't.

It's a boozy man. It's actually. In short, camels. It's a great one to ask. I have one bottle of keels and it's about yay big.

And that's all I do. This lady, what she makes Sam go through, it's unbelievable. That man knows about face and I'm just trying to make his age at the same time.

Here's what I want to say.

That's me too. No, no, no, no. What is this? Here's your guest. I guess if you guys talked about this last situation, we did.

And what was the result? It's not the face cream that's the issue, though, right? It just bubbled up. That it was the last straw. It's all in the end.

It hurts. It doesn't have identified it. But I'm, I'm coming on the back. Back into this. When you discussed it, what was his response?

Well, his response was, we were trying to figure out how much to put on that line item and he's like, well, what about $50, and I'm like, mmm, no, that's not enough. Every month for my face cream and he's like, well, what about a hundred? And I was on this, I was like, oh, how much do I spend? And then, and I kind of, and he goes, well, if you need, if we need that much money every

month, how about $50 for me, extra for my fund money. And I was like, well, and that was what I was like, why does it always mean spending more, you know, in a meaningful way? Okay, so I think you get great advice from Jay that you're going to have to communicate some boundaries.

And if he really is on board with this, he's got to, you know, he's got to play ball.

“And I would tell him, if he were here tonight, I'd go, hey, man, you need to grove a little”

bit.

And you need to step in this.

Because I'm also a Spender and I appreciate what Rachel said. This is a communication issue, number one, but I will tell you, this is we've got to make sure we understand our triggers with this stuff. Because you guys, the way this went, I'm not criticizing you at all. But what I'm hearing is Rachel, is that we went back for a volleyball.

And if he did, that's not going to have to be that. Yeah, you're this. And I have to, this, this, this, this, this is an exhausting score board to keep up with. Right? And he did identify that.

He goes, I realized I just kind of triggered you when I said, oh, I was going to spend money on it. You know, that's something to trigger. It's a good man. Hey, this is brass tax, real real conversation and go, we can't play this one up and

ship. I do think her answer is the solve, but they're going to have to not just do it on paper. You're going to have to actually behave that way. Yeah. And I like fun money categories because then you go and spend it, you don't, like when Sam

spends his money, I have the time, I don't even know what he's spending it on. And I don't ask because honestly, I don't care. And same thing for me, and I think as long as it's living in that catch-all, then you get to ask him, well, what happened to that $50? What happened to this money?

Right.

And I think just letting yourselves go and do your thing and be free and, by the way, it's

a great thing. I've learned that fun money can carry over until the following month, which that might also help you out a little bit.

“Yeah, we did think at a, whatever that's called, where it's like a carry it over.”

Yeah. Add it to the next one. Yeah, that keeps moving. Yes. And I was just kidding.

It was fantastic. Can I just tell you? Yes. The cream is worth it. Thank you.

Yes, thank you. Guys, you're right. Give her some love. Thank you so much for that quote. Okay.

But the judgment for his own, I'm spending his big, though, in mirage. I'm so sorry. Say more. Yeah. Yeah.

Because that's what you were saying. You're not going to value the same stuff. When some bought a red light thing. Oh, yeah. I don't even know.

Yeah. And I was like, I don't get it. That's great. I don't get it. There are things.

And so, but it's that constant. I don't want to feel like I'm having to hide a purchase. Right. Just to find a purchase constantly. We're both adults.

We're going to regard this again. Who brings it in? As a household. That's right. We get to enjoy our money.

Especially for reasons. So the impulse spenders like me. I mean, I just go sometimes. I'm not even trying to buy something. And I see it.

Are you an impulse spender? Oh, yeah. I did not pay you for that. Are you being serious? Yes.

All of these years. Are you shocked by the? No. No. I'm not.

But I'm not like, I'm not irresponsible. But I could also see can be like, look at these boots. I've been looking at these for months. I just can't wait to buy. Well, you're so intentional.

That's what I'm thinking. You've had to buy on it. I'm very intentional. I see it. And I go, I intend to buy those.

No. I get, no. My point is that that is so huge in our marriage. Because then it's like, this is okay. I'm not worried about.

We're not keeping score. That's the thing. That's the thing. That's the thing. Okay, ladies and gentlemen, give some love to Megan.

Who's up next? Megan. Megan tells where you're from. I grew up in San Bernardino, California, but recently moved to Prescott, Arizona.

Hey, hey, let's give that some love. That's pretty cool. My partner and I we paid off close to a hundred thousand dollars in debt.

And closed on our first home in March.

And our current, it's not an argument. He backs me 100%.

“But my question is, what would you do in this situation where I have a sister who has three beautiful boys?”

And for the first and the third, I went above and beyond. I bought the carcy, I bought the stroller. Like at least three months were the diapers. Just easily spent probably, let's say around two grand. Um, for her first and her third.

I have another sister who, now that she's expecting, has that same expectation, although her circumstances are different, where she has the supportive partner that my sister did not. And so what would you do? Or what would you say to the sister of the look I want to give you a gift?

But situations are different. Is the reason because and just be real with us? Is the reason because you don't have the money to help anymore? Or is it, is it a personal thing? Like, is it truly like, we're not that close?

And I just don't feel compelled to help her in that way? Or is it, like, tell us more about your reason. Your personal, forget their expectation. Your personal reason. Why it's like, I don't feel compelled to give in that way.

So financially, I have the means to do so. But also, in some ways, I also don't. Because my partner and I are struggling with infertility. And so we're looking into infertility treatments. And we don't know what that would cost, got you.

So we do want to be mindful of that. But also, there is a little bit of a relational difference between sisters. And does it also feel different, the expectation?

Because I'm guessing the first sister you just did that of your own volition.

Or was she coming to you saying, hey, I need you to do XYZ. So with the first sister with her first, it was, I was so excited to have a nephew that would be with the close proximity that I could love. And I could spoil with her third. It was the father literally left the state when he found out she was pregnant.

She had no support at all. And so I'm like, okay, let me help you out. Tell me what you need. What about the second child? I'm feeling bad for this kid.

I know, right? She's saying, first and third of my kid's going to be scarred. Anybody else thinking about it? Okay, okay. It'll children.

No, I actually do that. Between the first and the third, it's like less than 18 month difference. So he had the hand me down. He still gets the love. He's fine.

I don't think he has. All right.

So here's what I want to know is that the your sister that's pregnant now.

Has she verbally said to you, like, hey, this is the car. Is she like, like, what are those conversations?

“Are you putting that expectation on the conversation that took place?”

Was before she even said I do. Um, leading up to the wedding. She said, when I get pregnant, which I will get pregnant immediately. And I'm like, okay, good for you. Um, she was, she was like, I expect you to set up my baby registry.

I want you to help me by the car. See, I want the stroller. I want this, that and the neck. And what did you do? Baby.

I said, we'll see. Okay, here's, here's what's going on. Okay. So a lesson. All right.

Family members get expectations in their head. And I heard something earlier, and this is not on you, but I'm just going to point this out. Okay. You gave willingly to the other because you thought she needed it. There was a need there.

You don't think this other sister needs it. That is your, that's your view. And I'm not saying you're wrong. But I think you have to own that.

“And you have to understand that it's not right for her to say what she said.”

That's why the audience gasped. That was cray cray. However, we cannot control our family members and people do get expectations. Because you were such a great sister. I'm wrapping up, but I just want to say this.

Well, I got two women on both sides of me. When they ready to talk, I got to wrap it up. I can feel it. You need to own the fact that you created an expectation. You didn't do anything wrong, but she took it that way.

She's crazy wrong. Just calling it out.

But I think you're going to have to stick to your guns and say,

I don't feel like this is what I should be doing. And I would absolutely say, we're in a different season of life. We're trying to have a baby, and this could be very, very expensive. Stacy and I walk through that. I know exactly the journey you're considering.

“And I think you have to stick to your guns there and say, I can't do this right now.”

And here's why. And I'm sorry that you have this expectation, but I can't do that. And you're going to be okay with the results. If not, I think she's going to hold you hostage. And then it's going to be even uglier than it already is.

That's my two cents on that, ladies. Well, I just want to say, it's not your responsibility. But you've put that on you. You already mean. And I think you have to own that in you.

You can only control you and kids right when you put up a boundary with a boundaryless person. It doesn't go well. It doesn't go well. There's no boundaries there. There's no consideration.

There's no gratitude. There's no compassion or empathy if she knows what you're going through.

I mean, there's none of that from her.

And that's regard that. And that makes it sound like it's conditional. That if she was really nice, she'd want to give. But I think starting baseline. You have to understand this is not my responsibility.

And so what's within you is what you can control. And so that's that's what I would encourage you to find that inside yourself. And this is. And it's not a selfish thing. But you're not their mom.

You know, you're not, you're not their guardian. They're not little kids. They're grown adults. Just like you are. So it's not your responsibility.

I was, yeah, I was just going to add on there. And I actually wouldn't give a lot of details. I'm trying to fund, you know, this or my financial situation is changed. You're grown. You don't have to say that.

I think you can just say. Don't have, you know, don't have that expectation. I won't be able to do that this time.

And just keep it simple because once you start rolling out the reasons and the reasons,

that's you kind of apologizing for it and take to Rachel's point. You don't have to apologize for it. And under no circumstance. Do you let her bully you into doing something? Once you make this decision, the line has been drawn on the sand.

You understand? Yeah. All right. You don't want to be a prisoner to anybody in your family. Y'all give her some love.

That's tough. Talk to you again. All right. Up next. Welcome to the microphone.

Cameron. There he comes. It's a catwalk. Yeah. That's quite a walk.

Yeah. You did good. I perfected it. You did great. You're going to do my waves.

That's great. Here. Where are you from? I'm from San Tan Valley. Okay.

Just outside of the end. Okay. Some of your neighbors are here. This lady gave holy hands. That's very exciting.

All right. What's your question? Yeah. So I'd like to start with the question. And then I'll give you a little bit of background.

My question is, how do you know when to take a risk on maybe a side business

“that you're working on versus also while trying to provide for a family?”

Okay. Now a little bit of background. I'm 32. I'm married. I have a daughter as of today.

She's 20 months old. So young daughter. Thank you. And we have another baby on the way. Oh, congrats.

So the business I'm working on is kind of based off of reading your book. Find the work you're wired to do. And I have a passion for it, it brings me joy. I love it. But it's just a side business, right?

Are you making any money with it at all? I am. I'm making a little bit of money and it's a couple thousand a month. And that's after expenses. Yeah.

Okay. Graphs are expenses. Okay. So the business is like, I go around the valley and I help other businesses. So products that are just kind of just haven't been sold.

And they're sitting on their shelves. They need to move inventory. And so this kind of like, good, fast cheap. Sure. You worked with all of those.

Yeah. So I've been kind of pursuing that. And I enjoy the connections and the sales process for it. What's the challenge you're asking about tonight?

“So the challenge is, do I focus my attention on trying to build that?”

Or do I just continue with my career path? I'm kind of on. But I also have the baby on the way. I have my family. I'm trying to support some kind of juggling a lot.

Yeah. So I think it's pretty simple. I think the fact that you are making some actual profit. And a couple grand a month is nothing to sneeze at when I've got another baby on the way. How much time do you spend a month getting that couple thousand like in a week?

How many hours do you work in varies quite a bit? Give us an average. Yeah. So let's say average probably 10 hours a week. So is Mama going to want you to stop working that extra 10 hours a week when baby two comes along?

Maybe a short time.

So I think it's okay to press pause on that because it's not your inventory.

It's not like you're stuck with a bunch of inventory on your shelves. That's, you know, I got to get my money back. This is something where you're going out, hustling, finding some stuff and your reseller. Which really applaud you on that. So I think it does come down to the amount of hours.

We're going to work. And if she says, okay, well, you're in 40 hours a month, 10 hours a week average. You're bringing home $2,000 a month. Yeah. Is she okay with that?

And maybe we want that 2,000 a month. I will tell you this. I don't know what Rachel and Jay think, but I would be doing it all the way up until the baby's born to stack as much cash as possible. So will you hoping to make that your full-time career eventually?

I would like to. Okay. I would like to make it as a business. Okay. I'll do it in a season.

So in this season, I would just, whatever.

“I already gave you what I think you should talk with her about.”

Okay. Now going forward.

Because I know where your question is.

Like, when do I know, when do I walk from my career to that? Yeah. Is that the question? Yeah. Super simple.

You're ready? Hmm. When you have a minimum of six months of your current salary. Okay. In your day job, I would want a minimum six months.

I personally would do 12 months. Okay. That's super conservative. They've heard me say this on the show before. But I'd say six to 12 months of your current salary.

Your day job. In this side company bank account. Before I would ever walk from the day job. Because you don't want the kind of pressure to survive on a new business. You want to pipeline.

You want to prove that I found my places in the valley. They're used to me now. They're calling me. They're calling three or four other businesses. Hey, you got some extra inventory.

This is your guy. You need to build the pipeline plus the bank account. Before I'd ever even think about moving on. Yeah. For financially speaking, that makes sense.

Also, it's kind of when the next baby comes. They got two babies. And then we got everything else we're trying to work on in life. Saving up expenses. We just recently paid off our last debt.

Just two weeks ago. Congrats. So you're all going to be set three. So we've been, you know, hustling and doing all this. And so I guess it was, it's just kind of like that feels like there's a lot of things going on.

A lot of things moving right now. They pull it back. And maybe pause. But for how long. You guys decide.

And you guys need to be intentional about it, right? And to say, okay, let's give it 90 days and pause for 90 days. And let's regroup and look at 90 days.

“How are we both feeling that you need to be in sync with her in this process?”

Because if you have a spouse, you know, if you guys know, it's one thing. If she's like, go, go, make money. I don't care. Like, do what you got to do right? Because her season's a grind.

And you're both on the same page. And even though they'll be hired hard days in the, in the, in the grind season. You both are aligned. The worst is when one spouse is like, I'm going to go do my things. I feel over here and the other one's like, this is not what I want my life to look like.

Then you start to walk two different paths. So closely aligned and you, you're both adults. You get to make decisions, right? You both get to say after 90 days or whatever the timeline is like, I'm feeling good, this is good, or let's wait one more month.

And then after the summer is over, whatever it looks like. So, but just breathe. You're okay. You guys make the decision together. Hey, give this guy.

He's so wild tight right now. He's got another baby on the way. Give him some love. Thank you, buddy. Appreciate you.

Thank you. You bet. All right. Up next coming to the mic is Ra-Luka. Ra-Luka.

Give her some love. There we go. I got to say this. Can I brag? Can I brag?

She was at the Chicago event last fall. Yeah. So, she's like, she's making the tour stops with us. That's right. Fantastic.

Okay. Step up to the mic. Yes. Tell us your question. Okay.

I'm Riluka from Omaha, Nebraska. And we've got one other person. Great. You're exciting. All right.

Omaha. Okay.

“So, is it wrong to want to invest in the stock market like S&P 500?”

Instead of becoming a homeowner with your first home purchase?

I'm very content at renting right now. I'm renting a house. Have a roommate. And my rent's $1200. I do have a six-month emergency fund.

Well, well over that. So, I guess I'm working on a down payment. Step 3B. I'm not the stereotypical wanting to get into a house as a single single-pringle. But how long is that you're playing?

How long do you plan on writing that out? I guess if I had to throw a number out there 10 years. If I saved up for 10 years, then maybe. And are you investing some of the money in retirement and also some of it in a fund that you could get to? Like a brokerage account?

Yes.

Do my 15% for the 401k with work.

And then also just regular brokerage account. I mean, on the one hand, obviously, if you don't have the money to purchase a home yet, it makes sense that you would continue to save up. And if you know the horizon is greater than five years. Yeah, sure.

It makes sense to go ahead and invest that money. I don't want to ask you how old you are in front of all these folks. 29. Oh. I was going to ask anyway.

Yeah. I mean, I don't think there's anything wrong with renting four season of life for a period of life. We were talking earlier. It's expensive to own a home. And especially if it's not something you're interested in right now.

I don't think that's a bad thing. However, I do think long term. There is going to be a time where you're going to want to stabilize that line. I'm on your budget.

“And the only way you really can do that is by purchasing a home.”

And we do find that it is a major part of people's wealth building potential, right? When we did the biggest study of millionaires we found. Yeah, owning a home is a huge part of becoming a baby steps millionaire. And so for that reason, I would want that on, you know, in the cards for you in the future. But if you're saving towards it.

For you, honestly, you're probably going to be at the point where you buy it in cash. Because you're such an investor, you're such a saver. I don't think there's anything wrong with that.

And writing out that timeline, you could be 40 when you buy your first house in cash.

Yeah, I don't mind that. I don't mind that. I don't mind that. And you know what's great about this? The freedom that comes with this.

You're just stacking cash. You're going to be in a position to do that. But you've also got a lot of freedom. So I think in your position, I love that advice. I do too.

I'm excited to find it honestly. You're crushing it. You know what I mean? I love to see that you're crushing it. Yeah, that's awesome.

Thanks for coming tonight. Yeah. Great. All right. Very fun.

“Are you coming to, are you going to make the trip with us down to Anahein?”

I don't know about that. Okay. No pressure. I'll come down to Tennessee. I'll see you guys.

That is fun. We'll see you there. Thank you. That is fun stuff. So good.

Thank you. Thank you. Great. Be a great investor. I love that.

Okay. Question in the room. How many of you guys are in a position where someone is dependent upon your income? A spouse, kids, and the room. Anything.

Yes. Okay. So it's a good bit. And there's a lot of people that listen to us or that are watching the Rams and Sure, right now.

And that is the case. And I think one of the biggest mistakes people make is when they don't get life insurance. And it's one of the saddest. Yes. People are clapping for life insurance.

We know where the Rams are. It's what we love. No, but really it is. And people get confused because it's not a baby stuff. Okay.

Let's open up on your income. You need term life insurance and we love. Zander insurance and Jeff Sander. We've worked with for decades. And they really are the best place to buy it.

So if you do not have term life insurance, you guys regardless of your baby stuff. It is something you need to get. Yeah. And I wouldn't even add to that. A lot of people get it twisted because they think life insurance is a baby step.

It's not like you do it the moment that you find out about it. So if you're in baby step two, you still need term life insurance. So simple, guys, again, if something happens to you, anybody who depends on your income. If something happens to you, they're covered in that so important. You don't have to worry.

Are they going to be able to keep the house?

“Are they going to be able to keep continuing life at that level?”

And we do recommend 10 to 12 times your income. And it's super easy. It's straightforward. Guys, just go with Zander because they're not trying to sell you a wealth building tool. They're simply trying to sell you protection.

Yeah. And it's inexpensive too. And if you are a stay at home parent, you need life insurance.

You used to say half a million on a stay at home parent, but honestly, I would bump it up.

I'd go as high as you can go. I mean, seriously, yes. But if you are healthy, especially you guys, like this is one of the things that everyone needs to have. Again, I said earlier, but it is. It's one of the saddest calls we get when people don't have it.

And they lose this balance. I remember when we realized I had three kids. And I was like, I got to step it up, right? And plus the income changed. And I remember it was so affordable.

I got so much insurance on me. I didn't trust ACY when I went to bed. It's like a day life special. I was like very jittery. So go to zander.com and get your instant quote online.

That's zander.com with a zee. And by the way, Jeff Zander, guys, been friends of days for a long time. Great dude. Solid company can't trust anybody anymore. By the way, speaking of which want to thank our friends at FairWins.

You know they're the sponsor of our studio in Nashville. And because of them, we're able to do an incredible tour like this. So we wanted to say thank you again to our friends at FairWins. Credit Union, fantastic group. You need to check them out.

We really trust them as well. So would you thank them for making this tour of reality? Really, really awesome. While the Ramsey show is out here in Phoenix, I thought I'd wander over to Arizona State and ask the next generation

How they're handling money. Tell me the dumbest thing you've done with money. Thus far. I'd like to fall a K-pop. Have you spent over a thousand dollars on K-pop related things?

Three thousand dollars. Why is spoiler for my car? A spoiler. What kind of car is this? A must think.

Oh, wow. Is it still on there right now? Yeah, it is. Maybe I'd take it off. You already spent the money.

What that cost? 300 bucks. Oh, that's not bad.

I went on vacation first in break.

Put it all in my credit card pretty much. If I were to cover the top out of the restaurant,

“and they tell me, I think it's free cash.”

You weaponize your own generosity to cause you to spend even more. Yeah, it's pretty wild take. Winter Vegas and Gambo, my money away. How much did you lose? Oh, together.

I lost about $2,000 in my winning. Since I'm a Dragon Ball fan, I guess if you can see where I go. With this up, I like a lot of action figures. How many? Over 9,000!

Uh, 10. You have 10. How much did you spend on Dragon Ball Z related things in your life? $500 to $600. Well, when I was like 14, I spent a hundred bucks on like a tenor fox meat and green.

What is that? Is a stupid YouTube where I watched when I was like 14. You pay a hundred dollars to meet Dave Ramsey? Probably not. Sorry, Dave.

Sorry, Dave. So you guys have been asking us questions. So we'll get to more of those. But this is the part of the night where Jade Rachel, we like to flip the script. And so we're going to ask you some questions and you just kind of shout out to us.

We'll kind of behave and we'll figure it out. So I want to start with Jade. You get to flip the script. What's a question you want to know from the audience?

“Yeah, I want to know if you've ever bought something simply because you were influenced”

on the internet's to buy it. You were talked into it. So we got mics on the other side. So raise your hand and then our micro owners will get to you. Maybe it's like the dumbest thing to do.

Yeah, it was stupid. Like it was something socially regret. Raise your hands again. We got to get them up. Or maybe it was really awesome.

And you can tell us about it and we can get one too. Where's my mic guys? West? You got them right in front of you. Here we go.

Yes, sir. To what's your name? Jamel. Boy, you got a voice.

It's not the first time you've had a mic in your hands.

It's not the first time you've had a mic in your hands. It's not the first time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the first time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands.

It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. It's not the second time you've had a mic in your hands. I don't think it's dumb. We'll find out. Why are you standing there?

So I'm a cyclist. And I watch this show NorCal Cycling. And they kept talking about ketones. And so I decided to look at going on to ketones. And they give you energy when you're doing a race.

Because I race my bike. But they're like 120 bucks for like 26. And I like this big. So for months and months and months, maybe even over a year, I decided not to buy them.

But then I finally went to the site the other day. And they were on sale for 80 bucks. And my wife saw the expense. Which my lovely wife. I can see her now.

Her hands in her head and she's just fighting. Tell me on the phone and ask me what it was. And I was like, It's something I thought I needed. That's what you said.

Yeah. I thought you would have went hard on that. I like you for cycling. Why don't you know if I need it. Yeah, we'll see if it works.

Anybody know if ketones work? I don't think anybody in this room said no. Did I get scammed? What? I don't know.

Look it up, ketones. Energy. Keto and IQ. Keto and IQ. It's a good idea.

I really don't.

“I think you should talk to this other guy.”

You're the band together. You don't send it all back. You don't think buying ketone IQ is a high IQ? I don't think so.

But hey, I appreciate that you're out there cycling.

Yes.

“By the way, just want to say to all cyclists.”

Could you guys get over a little bit? No, no, no, don't give me the likewise. No, because they don't know. No. We're in the cars.

You're in the bike. Get over on the side a little bit. Drives me. But nanas. Yeah.

Yeah. I'm so sorry. Not to pick on you. But yes, at like five o'clock during rush hour on the small. And I'm like, do you hate your family?

Like, why do you want to die? You hate humanity. Why do you want to die? Why do you want to die? I just want to get home.

Anyway, fun stuff. We love you though. We do love you, sir. Just there's a lot of pent up anger. It's like it's like that.

Okay. I have a fun question. I think.

Is there anybody here that's willing to share?

Maybe an ethically questionable move you've made to save money. Yes. I see that hand. Right here. Keep your hand up so we can get to you.

Stand up, sir. I like you. What is your name? Anthony. Anthony.

What is this ethically questionable thing you did to save money? So I ran this by a couple of my friends. That was a good decision. It's okay. Well, I'm a travel nurse.

And I go throughout the whole country kind of work in everywhere. And I was doing a stint in Harlem. And when I was there, I stayed in the apartment that was completely empty. Didn't have a better anything. So I ordered one online that had like,

I think it was like a six month return policy. And I was the only one for six months. And it came in a box. And so I made it up to the top of the apartment. And it was a free return.

And they picked it up in the city. And technically, I didn't need it anymore. So. And it was within the six month window. It was within the six month window.

But I think I violated the spirit of return because you're simple.

Yes, like on it. For how many months is your sleep on it? Six months. Right at the wire. Right at the wire.

“You need to go see this gentleman with the extra floodlights.”

He needs some mentoring from you. That's pretty questionable. It's right in that gray zone. I mean, how much money did you say? Oh, how much money did you say?

It was one of those nice, like, king ones I went. I got free sheets out of it. Oh, I do. Did you keep a sheet? I did.

Because they let you. Okay. I want the George camel thing. How many of y'all have used something in return? It, like, well, knowing, shame on all of you.

Same on. Wait a second. I want the audience to vote. Does it have to do with what it is? No.

You've used it? Well, like, something you get a pair of shoes and you're, like, these are terrible. Okay. Okay. We're after one day.

Not six months at the office. Okay. Okay. By the same. You're all around for a day and I'm your client.

Show of hands. If you think Anthony was unethical, raise your hand. I bought it with every intention of return. I know. This is just, if you would have done what Anthony did raise your hand.

I love it. There's some cheap people in this room. I've split. George would be so proud, wouldn't he? Yeah.

George was the vacuum cleaner y'all for, like, five years at Costco. And he was, like, "It doesn't work anymore." And I'm like, "Yeah, 'cause you're using it for five years." And did a return. I was like, "Oh, my gosh."

That's funny. Well, no, that's a little more. Thank you. Anthony, you're a true friend. I appreciate it.

That's a great story. All right. You got one question. This is going to take some, some, you know. Don't make me feel on the way.

I don't know. I don't know. I was like, "Okay, just take some balls from the audience." Rachel. Who's?

Then I thought the ladies in here. Anyways. Okay.

“When and what was the last marital argument you had about money?”

You're just going to take it. It's going to take some curtain. Here we go. The back of the room. I see you.

Stand up. Tell us what it is. Oh, no. What's first of all? What's your name?

My name's Andrew. I actually called six or eight weeks ago about my type 1 diabetic daughter. And I want to thank you guys for that call. I want to thank you for having us. And she's doing great.

I want to appreciate you guys. That's great. I remember that. Yeah. I don't know.

But my friend, I was telling you her daughter had it. Yes. I told you when we were talking. Yeah. Who was it?

George? George? No. You need such an impact. You need such an impact too.

Boy, I feel pretty stupid right now. No. All right. You gave me a few more details. I would know.

But glad she's doing well. No, she's doing great. I appreciate that. But the last marital conflict that we had over money was I'm into baseball. I'm a D-Bax fan.

Go D-Bax. They're going to do something this year. I really do think so. I'm a big Diamondbacks. Diamondbacks.

Yeah. You got to be careful. Shake your head. You can't shake your head. No, no, no.

No, no, no. He just missed hurt you.

T-Bax. T-Bax. T-Bax.

It sounded like something else.

That's all. Well, I want to. We live in Stanton Valley. Go Stanton Valley.

“So it's a 45-50-minute drive to the stadium.”

We go to games all the time. Sure. So I want the baseball package to watch the games on home. We have had a couple of intense moments of fellowship last year about how many games I was watching a week.

But then I promptly blamed my son for it. Because he wants to watch them too. So I tried to bring him into it. And I got four kids. I have the most kids.

I'll use him for anything. But anyways, that didn't work either. So she told me, no. And I was like, all right. I guess that ship's over.

But then this year, I was able to say, well, I get a student discount. Because I got one last year. It was only $120 last year. And she gave me the go ahead. Just do it.

It's going to be fine. I said, cool. It was $220.

And she didn't say anything about it until five minutes after I did.

She's like, it's $220. You said, go ahead. I didn't know what to do. So that was like the last major thing that we got in. How did that finish out?

What's the rush? You like the story before the things started tonight. So we're doing just fine. Right. Well, guys, if you can get away with it, that's a great move.

All right. Thanks for sharing. That was good. We have another one of these are really good. Okay.

I've got a question. We'll do one more and we'll get back to your questions.

“Does anybody have a really weird or peculiar hobby that costs, you know, a decent amount of change?”

Anybody got a hobby? Right here. I see. Right here. Let's start back here right in the middle with the hoodie.

Yes. Sand up. We'll get to you. Here comes Katie. Oh, I can't wait.

I love this real quick.

Tell us your name and what the hobby is.

My name is Margaret. Okay. Margaret. And it's not my hobby, but it's a family thing. Okay.

Club sports. Oh, well, it's sports. Like, isn't what soccer basketball? Yeah. My sons in club soccer.

My daughters in club softball. My daughter plays golf. And all her money goes to sports. I feel like it's a confession. It's just a confession.

It's just a confession. It's dad. Oh, you just turned it that day. And somebody didn't place sports growing up. And somebody did.

Okay. This got a little deeper than I thought. Wow. Okay. Now, wait a second.

You just stood up and just totally threw him under the bus and backed up over him. And he still got the thumbs up. Do you guys need it? Do you guys need an intervention?

Are you guys okay? You got margin? We got margin. So you could afford this. That's what we just spend our money on.

But you have no weekend or nights. She is not happy about her life. Would you like us to weigh in on this or no? No. I appreciate the honesty.

Well, I will say this because you didn't ask you to want to tell you anyway. You guys need to have, no, I'm serious. You guys need to have a real conversation because what has been done in just here tonight has got some seriousness under it. And I'm going to tell you something else to you, sir.

And I grew up playing every sport. I did. Played everything. But I grew up in an era where there was no club sports. All right.

It was just wreck leg and all that stuff. Your kids are probably not going to go pro. We know that. Well, then why are we spending all of our money in all of our time on something that is not going to ROI?

You don't have to answer it.

“I'm not being in kind, but I'm just going to be really honest with you because I think”

underneath the jokes and the thumbs up and everything. We're a little stressed out. We're not stressed out financially about it. We're just stressed out. We're stressed out.

We're stressed out. We can't do because we're spending the money on that. I think you guys need to have a date and let's cut back the kids are going to be fun. All right. Give them some love.

That's a fun confession. I'm very passionate about that because that's a hot button topic. You put that out on the internet. Well, I know that I'm trying to get sports. I'm going to get killed for that.

But the data backs me up. And all the specialization and you sports right now. Let's make it very clear. And this is a guy who loves sports. But the specialization is a con.

And they're conning good people out of money. And they're praying on our desire for our kids to be stars. And I'm not picking on this couple. I'm saying we're all susceptible to that. And at some point we got to say, what is it?

What is most important? Is it Johnny playing on every travel team? Or is that we actually have a life? And so I'm just going to throw that out there. And the risk of me and the grumpy old man.

But that's what I think. So there you go. All right. Up next, welcome to the mic. Robbie, Robbie, come on down.

Yeah, give him some love. Keep up the energy. There he is. All right, Robbie, close to the mic. Tell us where you're from.

From Gilbert Arizona.

Oh, strong representation from Gilbert tonight.

Good to see you. What's your question? So my question is, I've been working seven days a week for the last two years. I'm trying to figure out how to create some urgency with my wife surrounding our debt, which is about 150,000. I think I've tried everything possible, but I'm just trying to create urgency with her.

Is she here tonight? She is not here tonight. I did it in biter, but she didn't come. Dad, come it? Yeah.

Why not? I don't think she likes us. Yeah, she might not. It might be a bad word in our house. We have been waiting for that.

Like it's any mites about it. So when you guys sit down, and the number comes out, $150,000 of debt, what's her response to that? Not the Ramsay plan, not the way you want to get out of it. Just the debt. How does that make her feel?

I think it's been going on for so long. I think she's kind of accepted that that's just the way things have to be.

“Yeah, I don't think she thinks too much about it, and just kind of thinks that's the way life is right now.”

But I feel like I'm working hard and working a lot. And I like to see the needle move, but I just don't know how to motivate her. And what part of that is she unwilling to move on? Is it a certain line item on the budget? Is there something you want to do, like, sell a vehicle, and she's not on board?

Show it. Tell us real things that you're wanting. Like, moves that you're wanting to make that she's not on board with. I think all things are on this table, selling vehicles, cutting back on expenses, selling what needs to be sold that we don't use.

Like I said, I think everything's on the table for me. And you've said that, too, or. So, because my question is, I don't know if she's a numbers person. Right. But if, if you say, we have $150,000 of debt, and we can move 50 of it just by selling off these vehicles.

Right. And then you're kind of laying out the timeline of, you know, how quickly you could be free. I don't know if you've done that. Have you? I've done it in the past.

It seems like it's so far away that it's kind of hard to accept though. Okay, how far away is it? Hmm, at least four years away. Okay. Yeah, that's a real thing.

Yeah. So, the hard part with this is I do think that. Most of us in here have had some sort of an iPad at moment or some sort of a catalyst moment. And sometimes with couples, it doesn't happen at the same time. Right.

Right. It'd be wonderful if it did, and then you're on board.

“That's what happened with Sam and I happen at the same time.”

But if it doesn't, it's that ongoing conversation and that continuous feeling of it. Right. And the way that you can help push on that is to tell her how you're feeling. I'm just feeling trapped. I don't want to feel like this forever.

I feel like I just go to work and go to work and we still feel broke. Right. And if you're telling her constantly how you're feeling and that you have a hope for a different future, that's the best you can do. Right.

And then at some point, you've got to get to her heart on it and figure out, what is it on her end that's keeping her from that because we all have a desire to be free. All of this. So my guess is not that it doesn't bother her or that she doesn't care about it. There's probably something deeper under there.

Maybe there's a fear because the truth is she doesn't know.

She doesn't know for sure, like inside of herself. What's on the other side of that sacrifice? And I think that holds a lot of people back. What if I do this and I sell the car and he works extra and we still don't get to it. Right.

That's very, very scary. It's an unknown. It's a fear of the unknown. So if I were in your shoes, I'd be a detective. Like I'd be a full-time detective trying to understand really what is it that's bothering her,

so you can turn that screw. Okay. And you may have had so much control over the money and all of it's on you that she doesn't feel the weight of the finances in your home at all to feel anything. Right.

Stress or whatnot. You're taking it all on. You're trying to be the hero in the situation.

“And the truth is it's both of your debts, right?”

Like you guys are in together. What is what it consists of the 150,000 is it consumer? A couple consumer loans and then student loans. And student loans. Both of yours.

Just. The consumer is ours together. Students are mine. Our yours. Yeah.

Yeah. Sure. And come. Last year, our gross was a 141. I think the hard part is sometimes if one spouse is so passionate about it and wants to do it,

they're carrying the all the emotional weight that the other spouse doesn't honestly have to feel anything. Is that what's going on? It's tough. You know, I have a 14 year old daughter and, you know, we don't spend a lot of time together

because I'm always at work.

No, no. I heard what Jade said. I heard Rachel said, I'm curious. You were saying right. Right.

I want to know. Like, is that what they're describing? Is that what's going on in your house? She just has no belief that it could ever happen. So she's just resigned.

Or is that she doesn't think it matters? I think she feels like it's not something that's going to happen. So she doesn't have hope. But have you shared hope in that? Have you shared what Jade said?

Have you told her how you're burning out?

I just want to work. Wait a second. Wait a second.

I'm starting to pick up on something.

I don't think. And there's no shame in this friend. There's no shame. But I'm taking a chance here. I don't think that you have sat with her and poured your heart out to her about there's the emotion right there.

I don't think that she actually knows how exhausted you are physically. I don't think she knows how exhausted you are emotionally. I don't think she knows that your heart is broken into because she can't spend time with your daughter. I don't think she knows it because you've built up in your mind that you've got to be a good man. And I'm here to tell you, my friend, I'm looking at a great man.

“But I think I think that's what's going on.”

Tell me if I'm wrong. It sounds right. What do you afraid of when you tell her if you were sitting here? I'd get you to tell her that. But what do you think her real reaction would be if you put yourself out there?

And I know I'm asking a lot for you to be that vulnerable. What do you think she would, how do you think she'd react? I think that if I sat down and poured my heart out to her that she would understand. I just don't know that I've done that yet. And that's okay.

And I don't bring that out to put any else of shame on you, my friend. But I'm telling you, if you care about your marriage, if you care about your 14-year-old, if you care about living a life that you desire, you have to do this. You are in a danger zone. Man is not meant to work seven days a week.

And never share what's really going on.

I also think that you're in control of the money. And I think you've got to let her know how you feel. And then you've got to say, "Baby, do you trust me?" Because if you trust me, I can get us out of this by leading us. One of the things we've got to do is sell the car.

I'll go first. You see what I'm saying? Yeah. You've got to lead. But you can't lead if she doesn't know how you really feel.

And so I got something for you, okay? I got two things for you, but I can only hit. Could you bring the bottle of wine? Less is very exciting. I got some flowers for you.

You're going to go home with these flowers. Rachel's bringing a nice bottle of red wine. Okay? And you guys are going to have a moment. You're going to say, "Kin, put me up to this."

He's a loudmouth on the Ramsey show. Blame it all on me. I can handle it. It's false.

“But you need to have a conversation and share your heart.”

Be vulnerable. Vulnerable is strong. And you're a strong man. You got me? All right, brother.

We love you. We appreciate you. Give him some wine. That's really cool. Really fun.

By the way, I've said this the entire time I've worked for Dave. I have the spiritual gift of giving away Dave stuff. So, just go a little budget of fun. Stuff back there. Maybe you'll be lucky tonight.

All right. If you do a good job. Hey, that was awesome. One that fun. Hey, I want to bring that back really quick because I jumped into coach mode.

But I would like y'all's perspective. From the female side of things, what you would add to that. And when a couple like that is completely in different lanes. Anything you want to add to that. I don't want to miss that.

No, I think it's.

“And when I think it's an important and I think it's more.”

It's more of the marriage issue than the money issue, right? The issue is vulnerability, not fully being known. For whatever the reason, right? And I think we all can have elements of that. You know, whether his fear is weak.

I don't know what it is, right? Like that whatever's driving that wall to be up. And this need to be the hero. Be the person that just takes care of it. I'm not going to worry about anyone else that.

That then puts up your spouse on the other side of that wall, right? And I even had Dr. John Deloni has the visual of the bricks in the backpack. But, you know, and you carry this around and your spouse has no clue. Has no clue what you're carrying around. If you don't share it and open that openness then creates that teamwork.

And that side by side connection with spouses.

And again, there's always going to be one spouse.

That's like crazy Ramsey and obsessed, okay? We know who you are. Like there's always going to be that one. And there's always maybe the one that's probably rolls their eyes a little bit. But they're on board because they love their spouse.

And I really believe wherever he is. I don't know where he went. That your wife is a good woman. And if you have a great marriage, she's going to. She's going to embrace that, right?

And if she doesn't, that's a marriage problem, right? We have to like be talking about that. And so that's what's wild about the Ramsey show is so many of the money calls we get. Oh, yeah. It's not a money issue.

Money is the symptom of what's really going on. When you actually fix the marriage stuff, then the money piece falls into place. Okay. Up next on the mic, give some applause to Maria Maria Welcome. Hi, Maria.

Hello. Where you from? Tucson. Tucson. Let's go.

Nice nice. Wild cact tree. There it is. I get it. Great.

I want to throw that out there.

Yeah. You can blow all your water. You can blow all your water. But we want. All right.

Take you very much. Sorry, Maria. Back to you. I couldn't help it. I'm a shameful sports fan.

All right. Go ahead. What's your question? All right. So my question is.

And for a variety of different reasons.

“We recently had my adult son move back home.”

So part of that was he was in a condo. The H.O.A. was very defunct. He was going to pay off debt. Got out of a not fantastic relationship. So we are charging him.

roommate rent. And the question is. Do we return it to him? What? What?

He is ready to move out? Or if there is something. He? [ Laughter ] I'm confused.

I jumped ahead and shook my head. I'm very. Oh, you said no. He. Really?

Yeah. Now I need the ticket. How old is he? 31. [ Laughter ]

No. You don't give him the money back. He's a dead-gum grown man. He doesn't know he's coming back to home. But he was paying rent at the other place.

Okay. Make your case. Well, okay. What's your financial situation? I am not debt-free.

Okay, never mind. Done. Done.

Doesn't matter if you were $3 billion.

I wouldn't give him that money back. He's a 31-year-old grown man, Jay. Yes. I know. Have you heard time with zero?

This idea that you. You already mean that you're going to be... Stop it. That's not the point of that, boy. Okay.

That would be my question. What caused you to charge him rent to begin with? First of just saying, hey, he can just stay here for a while. Oh, I guess that's a really good question.

“I think it was just the sense of, hey, you're here.”

We want to make sure that you understand. You still need to pay something. This is not forever, right? This is a temporary plan, which it is. And I think it was going to be a very temporary plan

until we both went through FPU. And all of the sudden, now he's like, oh, no, I got to pay off everything, including the student loans before I buy a house. Yeah, but he can rent somewhere else. Yes, he can.

Why can't he say that? Yes, yes. That's what I would say. What are we talking about? I feel like I'm in the toilet.

What is this guy doing for a living? He works for the U.S. Postal System. What does he make? Not a ton. I didn't know that.

What does he make? Less than 70,000. A year. Okay. First off, I love that you brought him back in.

That's okay. I love that you're charging him rent. Your instincts were right. I hate the idea of giving him his money back. He's 31.

He needs to get back out there. He can take a couple extra routes. He can do something more. He's a grown freaking man. Get out of the house.

Yeah. I'm sorry. I feel like a very like mommy thing. Do you know what I mean? Okay.

You would do for my children. I'm pushing back a little bit. Yes. Here's my case.

“If he was expecting it and he was like, listen.”

I am like giving my money back all of this. No. The fact that you have debt all that.

But if she was staying in there and she was worth $10 million.

And she's like, hey, you know what? I'm going to help you with the down payment on her. Whatever the situation. He needs to get on his feet. He does.

He doesn't need to be set up. But I have heard we've had people call the show and they do this. We're keeping it in account. And then when they get married or whatever it is, we're going to. Yes.

I think that's different. The idea of I'm saving up a pot of money for specific time. The parent doing it without the child knowing. Right. But there's also I would think that there's certain parameters that I would want in place.

Like, okay, this person is 100%. And that's what's missing. I think right now. Yes. What's missing is this young man who you love.

Needs. Gumpian. He doesn't need a refund. And that's what you're saying. I'm just telling y'all.

I'm in a greatest mood tonight. By the way, I want everybody. I'm having the time of my freaking life. But I'm going to tell the truth when somebody asks us. And here's what happens.

I'm going to go back to something earlier with the sister. We create unrealistic expectations that become unmet expectations. I'm going to say that again because I was so good. You all need to get that. Okay.

When we do stuff like this and not judging you, it's a sweet heart of a mama idea. But you asked. And Rachel has a major case.

We create. Okay, I'm going to say as you create unrealistic expectations that you do it again.

“And then when you can't do it again, or don't believe you should do it again,”

you create unmet expectations.

And unrealistic expectations always lead to unmet expectations.

And on the other side of that is bitterness and resentment. And that's why I'm so strong on that. Okay. I am more. Yeah, we can give Ken a hand.

[ Applause ] I would say I'm way more passionate with him getting out of the house. Regardless, if you refund them or not, I don't care if you do or not. That doesn't bother me.

Apparently, a very much bothers the audience and Jade and Ken. But it does bother me that he's still living there. He has a full-time job. He's 31, even just for him dating. Oh, no, no.

This is recent. This is a recent development. When? So how long has he been living with you? Um, so a, well, it'll...

A year? I heard it. [ Laughter ] Okay, I don't like where this is coming from. I tried to help you.

I tried to help you.

I just want to know how much rent he's been paying.

No, well, okay. So it's, it's, he's just renting a room, so it's low rent. You need a number. How low?

He just needs to get out of the house. A number. Give the number, give the number. He needs to get out there. $500.

[ Laughter ] It's just a room. Okay, but if you split a two-bed room. I bet he goes in the kitchen, though. [ Laughter ]

No, no, no, no. [ Laughter ] Jade, oh, tell me. It really doesn't. The financial impact has been

not like negligible, nothing. Okay. The idea behind the refund was, save it up, and then when he's,

when he's ready to buy the house,

when the market is favorable, he finds what he needs. Or when he's ready financially. Right, that's why. It goes towards the house. Yeah, I wouldn't let him know what if you decide to do it.

I don't care. But I'm more passionate that he needs to get out. He needs to move out. He needs to be a man and pay his own rent to a landlord. Can I ask you this?

Can I ask you this?

“Right, that's what I'm more passionate about.”

I'm afraid of it another way. But let's pretend he was still in the other apartment. He never moved back in. Would you be setting aside $500 every single month to put towards his down payment on his house?

Oh, great, Jade. [ Laughter ] Oh! [ Applause ] That's how you know.

That's the whole day, Ramsey. That's a good idea. That's a good idea. That's what Dave used to do. He told me, tell y'all something.

If I smoked out ahead of cigarette about five minutes ago. [ Laughter ] I'm going to tell you right now. You're a sweet mama. I got something for you.

I got something for you. I got a fun gift for you. You're not going to like this, but I'm going to give it to you. Oh, boy, hold on. Oh, wait.

What are you doing? Just be quiet. [ Laughter ] I'm giving you these little, these little baby Nike shoes to remind you that he can't wear these anymore.

It's time for him to go. Y'all give her some love. Okay. I'm going to find a night. I'll point you.

Good night. You got to love the baby shoes. This next question is brought to you by Y-Refi. If your private student loans are into fault, and you're not sure what to do next,

Y-Refi can help you explore refinancing with a low fixed rate and a payment plan based on what you can actually afford. So go to Y-Refi.com/RAMSI. That's the letter Y-R-E-F-Y dot com slash RAMSI. May not be available in all states.

Up next is May. Welcome May to the mic. [ Applause ] Hi, May. Hi.

How are you? Good. Good. What's your question? If you could go back and ask your 23-year-old self,

what piece of advice would you say? So if we could go back to our 23-year-old self, and give one piece of advice? Or multiple? Or multiple? Okay.

Who wants to go first?

“I think I'd have to go back a couple more years for it to work.”

I like that. I was already in a lot of debt by a 23-year-old self. The life advice I would give is understand the tension between patients and persistence. When you're young, 23, and I remember it 23 specifically,

I happened to be worked for the Governor of Virginia. And I thought I was going to be the next U.S. Senator, and then I thought I was going to be president of the United States, and I thought I was going to happen in 10 years. You know, just a 23-year-old, no clue.

Super-and-it. I appreciate that. I appreciate your vote. I believe this audience would as well. [ Applause ]

But that's not what this is about. And so I was a super ambitious kid. And I think what I've learned over the last almost 30 years is that there is a natural tension. And what I mean by that is like we desire,

and this really helps those of you in the baby steps here. We want to get through the baby steps. We want financial peace.

Whatever that dream is. And we go after it.

“And we forget that the magic is the getting up every day”

and chopping the wood, the persistence. Showing up. But the magic is when we show up and we know it's going to take some time. And very few times can we control the timing. And so to embrace that tension between time,

getting up and I'm hustling, I'm getting after it. And I know it's still going to take time. And I've got to be patient. And a lot of people think that patience is a passive word. It's not passive.

It's very active. It is in the mindset and it is in the spirit to wait on the good things. And one of my favorite scriptures comes from Isaiah. Those who wait on the Lord will mount up on wings like eagles and sore. They shall run and not grow weary.

They shall walk and not faint.

And here's what's interesting.

What Isaiah does there really quick is that he shows this different seasons of life and different paces. And let me get some seasons where you're soaring. And those of you that are in baby steps six and seven, you're soaring. We've got a lot of people in this room that are just walking and hoping not to faint.

Come on. Gotta get an amen on that one. And so I think you got to embrace that. So that would be the life advice. It's to understand for anybody who wants to accomplish anything

in any area of your life. You got to get up and show up, but you got to also wait on the results. And waiting on God is the most incredible discipline you can develop. [ Applause ] I would probably go back to 23-year-old Rachel.

And I would tell her be confident and who God created you to be because there's only one. You. He's just created you. And so, trust your inner voice, trust your gut, trust who you are that it's beautiful and wonderful.

“And that goes into like the, I think, all lanes.”

So I think back for me at this age, I was traveling and soaring to speak and all of this. And I remember looking up, I was probably like 26. And I did so much, like, my love, my dad. Love him. God bless you, Dave.

Wonderful, man. But I would teach and talk and speak kind of like he did. So long. I really tried to emulate him because it was like, okay, I'll just do what he did. Because it's working and I'll do what he did.

And I remember waking up like 26. And I'm like, I am not a balding 60 year old man. Like I, I'm young. I have a baby and I'm pregnant and I like to shop and I budget. But like, what does this look like?

What does this money stuff look like for me?

And the moment I found my voice, it's amazing.

It's amazing how you live life and it's not exhausting. You're not trying to perform for everyone else. And that also bleeds into your lifestyle and money. When you try to be like everyone else, keeping up with everyone else, what everyone else is doing, what everyone else is buying,

what everyone else is looking like, driving houses. I mean, when you just try to be like everybody else, you're going to not only be spinning your wheels, you're going to be discontent and spinning money on things that you really don't value.

And so focusing on you. Who you are? Who got created you to be? There's only one you. So be, yeah, be you.

All right. I've been thinking sitting over here thinking about this for a couple minutes. Oh, you guys were saying yours. And you know, I got to say, there's like the practical stuff. Like if I could go back to my 23 year old self,

I'd say you're going to try to start a business when you're like 26.

By past the first idea and go straight to the second idea,

because the first idea was a failure, right? So it's like little things that I could go back in tweak.

“But I think in all of it, when I think about 23 year old me,”

I just gotten married. Sam and I had not discovered our debt just yet. That was going to come a year later. And I think I would just say like go easy on yourself. Because the next couple of years are going to be really, really hard.

And you're going to be put to the test. But this is a good thing. Like tests are there to make you strong. And this is a really, really good thing. And the end you're going to be complete and mature and lacking.

Nothing just like it says. So I think I would just tell myself, hey, go easy on yourself. Go with the flow. It's supposed to happen this way. Okay, thank you guys.

Yeah, thank you. All right. So we ready for a little ask me anything. I'm going to ask one that has nothing to do with me. But this is great.

What is your favorite conspiracy theory? [ Laughter ] One of us up here really buys into these things harder than the rest of us. Oh, man, I have so many. You got to pick a favorite.

Um, probably because it was kind of all in the news. We did not land on the moon in 1969. [ Laughter ] Wow. Okay, a round of applause if you agree with Rachel.

Round of applause, if you think, well, she spends too much time reading rumors.

She's great, Craig. [ Cheers and applause ] Well, very vocal group. Okay. Yeah, there happened to be a cameraman on the moon.

- So that happens to get everybody, come on. - You're telling me, we're all that fake job. That no one at NASA has blown the whistle on the moon. - You're been to there's been to. - Yes, that's a comment.

- I don't know, I need more information. - Just saying. - All right, that's good. - And we all circle the moon recently. We're all like, oh my God, it's so easy.

- Nobody on that thought. - Nobody on that thought. - Nobody on that thought. - Nobody on that thought. - Nobody on that thought.

“- That's what I'm saying, y'all stayed in the ship.”

- You didn't get out. - I got to move on, this is killing me. What is the weirdest habit that you have that you're willing to admit publicly? - I mean, I have a lot of weird habits.

- Where does a strong word can? - The word you used one time was peculiar. - Yeah, I am very choosy. I'm very thoughtful. Some might say intentional.

Others might say wise. - Or OCD. - Her, you're a cleanliness. - I'm kind of like Niles from Fraser. Do you guys remember Niles?

He would like wipe everything off first.

Is that your weird habit that you're... - I can tell you a habit that's also a pet peeve that others, like if you use the restroom, you have to close the lid before you flush. (audience laughs)

- You mean like the total lid? - Yes, it might close it. - And so... - Why are you thinking of projectiles? - Yes.

That is my number, it's a pet peeve. If people come to my house and they're like, "Hey, can I use your restroom?" And afterwards I'm like looking around the corner. I'm like, "They didn't close the lid."

What is wrong with these people? - And I don't know what it's like to be you. That has gotta be exhausting. - I'm very clean. I like cleanliness.

“We are heating back there and she's like,”

"I'm gonna keep my plate on my lap." 'Cause I don't know how I feel about this thing. - One lady is very passionate in her support for you. - Listen, in-site clothes versus outside clothes. (audience laughs)

- Thank you. - My wife's gonna be very upset that I'm meeting this, but you all are gonna enjoy this 'cause I've shared it. - Okay.

- Everybody makes fun of me on this. We're just having it that I own mitt publicly. I'm a very neurotic sleeper. So I have lots of supports. I have a full-length body pillow that goes for my ankles

to my elbows. - pregnant woman. - My wife bought it for pregnancy. Didn't like it. She went out of town one weekend.

And I got in bed and I went, (audience laughs) it's kind of interesting. I tried it. I love it.

I have it gone back. I'm on my third one now. It's great. And then I have an eye mask 'cause I kind of have total pitch black darkness.

And then I recently discovered the greatest health phenomenon in the last five years, mouth tape. So I'm mask, mouth tape, body pillow, and I sleep like a baby.

(audience laughs) Not ashamed of it. - Lord. - All right. - You're like a mid-forties woman.

Ken? - Oh, I'm a very arrested man. - Okay, one more here maybe. Let's see what's the fun one you guys see. You guys are in on this too.

What do you see there that you want to answer?

“- What is a completely irrational fear that you have?”

I have one. - What's going on? - You go first. - You go first. - And I think it's gonna happen in my lifetime.

So I need you to all to support me. (laughs) - I'm so excited right now. - I really, I've played this out in my head sometimes. I really do have a fear that I am

going to be convicted of murder. And that I didn't do it. But you're in the courtroom and you're on the stand and you're like, I did not do it.

And they find you guilty. And you like, yes? - You go to jail? - Yes, you! And I'm just like, I didn't murder them, I promise.

So just not an innocent if anything ever happens. - I read too many books and watch date lines. - And it's only 20. - It's all my stuff. - It's all my stuff.

- If I ever mysteriously disappear, you all look into her first. There's some deep-seated stuff. - Really? I just don't want to be convicted for a crime.

I did not commit. - I appreciate that. - Do you have a irrational fear? - I mean, you do. - Nothing is coming to mind.

- Germs. (laughing) - Well, now, germs, I'm not afraid I'm gonna get sick or anything. I just think they're gross.

- You know what I mean? - It's just silly. Every time I go in a tunnel, a lot of times in New York, the Midtown tunnel, that's a good one.

- That's a good one.

- I always think that the bricks are gonna break

and the water's gonna come in. Look at the people shaking their hands. I feel so seen. - I always close my eyes. Do you close your eyes?

- I don't close my eyes, but I am like, let's get through the tunnel. - Okay, I have a little bit of one. And it's not completely irrational. Like on the highway, I don't drive behind

the big tractor trailer trucks that have all the cars loaded on it. - 'Cause I just feel like it's like final destination, like something's about to happen. - Yes, again, people are with us tonight.

Okay, one more fun one here. Let's see. Oh, what is one thing you spend too much money on and you don't regret? Ooh, you are interesting.

- What is it? - So I love house plants like indoor plants. I have tons of, my house is like a jungle.

“In my kitchen alone, I think I have maybe 15 plants.”

I have a lot. It's beautiful though. It looks nice. It's not weird. - Not at all.

- I, but there's a plant shop in my city that I like and I can just go in there and just... - Well, let's finish this out. What is a really nice plant set you back? - No, the last, it was like a little pony tail plant

that I bought and it was like $210. - Wow, it's so cute though. - It's so cute.

- $210 on a plant I've never heard of.

- Yeah. - But it's probably good for the oxygen and very good. - Yeah, it went in my husband's office and I was like, doesn't this make it so much and I sort of work every day and he was like,

I guess so. (laughing) - You have something like this that you overspent. What was the thing? They said it's been too much money on.

- That's all relative I guess. - Yeah, I would say the, it's probably wasteful but I do it 'cause I like the convenience and I like it. Valley parking at the airport.

- I appreciate that as well. - I do, I'm like I don't wanna be shrugging through a parking garage. No, I'm gonna spend a little bit more and I'm gonna, yeah.

- I do the same thing. - I don't wanna make seeful better than I can. - I'm like convenience animal. - Give me convenience. - I need to get in and say hi to a nice person

who's very happy to see me right here in the airport. - That's a spending love language convenience. - Yeah, yeah. - Yes. - Convenience and self-care.

- Everything I like to spend money on with zero guilt. Spoday with my wife. - Okay. (laughing) - Thank you.

I do, I don't wanna waste. - Ono facial. - Yeah. - I'm a guy. I like a great massage, yeah.

- Yeah. - Like the steam, like the sauna. - Oh, the amenity. - Like the mineral pool. I like sleeping in the recovery room

or whatever they call that when you come out. - Yeah. - Is that called? - Oh, quite. - A relaxation room.

I gotta tell you, I like until say she's like, "You're storing." (laughing) - I do love that. - Sip it on your team.

- Yeah, all right. - You guys are very fun. Thank you for the fun. Ask me anything questions. It's very excited.

We never get those questions.

All right. Rachel.

“- Next, I think we had actually another question”

from the audience. They're not gonna come to the mic, though. But Kelsey, who's in the room, she submitted a question. Should my emergency fund be in a high-eld savings account?

Audience? - Yes, and if so, where's one of the best places, I can put that money? - Oh, you guys already know where we're going with this. - Wow.

- Well, let me tell the why behind the what? First, 'cause I think that's important. First off, yeah. For money, you wanna keep it someplace liquid that you can easily get to it.

So it's not invested, but you can get to it. So that's a great place to keep an emergency fund. Obviously, it's another place that's separate from your normal checking, 'cause I'm the type of person. I need it separated.

I don't wanna accidentally spend it. So an H-Y-S-A allows it to be separate. And also, it's insured, right? It's F-D-I-C insured, so that's really great. And yeah, yeah, we y'all yelled it out.

Who do we love? (audience cheers) They're winds, like a fourth of the other winds. They're winds, no, but for everyone's credit union,

you guys, they are amazing.

We have started partnering with them,

“and they are, honestly, they're a credit union,”

but in the banking institution, they're the only bank that really is for you. Like, they are for you getting out of debt. They celebrate your financial journey. They love the Ramsey Baby Steps,

and they really do partner beside you, and so they're wonderful. So they have the Smart Bundle, which is a no-feet checking account. A high-eld savings account, like what we were just talking about.

You can actually have up to 10 high-eld savings accounts. So if you love having different funds for different things, in your account, you can see all of it. It's all right there. You can open up up to 10.

And then you also get the Ramsey Beware debit card, which we love, it's like a blue debit card, and it's wonderful. But you can use it, and Winston and I, we did, we, as transferred over to Fairwins,

and I remember the night we signed up, 'cause I was like, okay, this is gonna be like, oh, but you know, when you just watch banks, it's like, it's a big deal. But honestly, we went to go sign in,

and it was like some documentation here there. I mean, it took me maybe eight minutes. It was so fast, and then we can connect all of the other accounts we've had to it, so you can transfer money so easily.

And then I got a customer service call the next day, and it wasn't just 'cause it was us. It was like everybody, everybody gets a call from their team. So their team, they are, they are incredible. So if you, again, need a high yield savings account,

or you want to switch over, you're banking to a bank that really does care, make sure to check out Fairwins. Credit Union, go to Fairwins.org/Ramsee. - And also, do you want to thank them? They are our studio sponsor.

And by the way, met so many of you earlier tonight, come to Nashville, it's such a great experience. They're in Franklin, Tennessee. Fairwins is our studio sponsor, and also, huge part of why we can do tonight's show.

So we want to thank Fairwins one more time. Thank them for being such a great partner. (audience applauds) All right, now we're ready to get back to your questions. Come on down, barb, there she comes, give her a big hand.

Yes. Oh, look at her, she's excited, I like it. - Hi, hi barb, where are you from? - Originally California, but I've been in Arizona for 30 years. - What's your question?

- So I'll start with the question, and give you some background. Well, maybe the background would help. I'm maybe on baby steps, and I am self-made.

- Way to go, barb, yeah, that's amazing, great job.

- Thank you, I'm twice widowed. So when you set stand up and are you single, yeah, I'm single, just happen last August for the second one. - No, no, it's cool, it's cool. 'Cause out of sadness comes happiness.

“You have to pick yourself up and get going.”

And I had to do that, you know, I was 40 years old when I got my bachelor's degrees, and I got three masters in my 50s. Completely paid off, so you can do it. - Wow, ladies and gentlemen, super low.

- That's amazing. - So everything works because I've been doing it before I even knew about Dave. So, so I'm selling a house here. I'm moving to Florida to be with my daughter

and her two sons, single mom. She's had it pretty difficult. And I'm some swap and houses, but I have another house that I'm selling, which will go back into that fun.

And I do the things with the bank accounts where I'm gonna switch, boom, boom. So my question is Michelle's only got about 120 on her house, left. She's a struggling single mom.

And when I sell my second house,

'cause the first one is for the swap, I'd like to help her pay that off, so she could be debt free. And I'll have the profits from my house. This is an obituki foothills, if you're familiar with that.

Yeah, I sunk a lot of money into bringing that up so I could sell it. So I'm wondering, 'cause I heard you say, "Yeah, I don't do that for your kid, but you know, she's in her 40s, she's been there for a while."

And I would like to do that for her, but with the caveat that if I pay off her title, that I get to be put on the title, just in case where you wanna be on the title. With her because I'm gonna give her her title.

No, don't put your name on the title. That's her house that would feel like it has strings attached. 'Cause she knows that once I get this house, 20 years it will be hers, 'cause I'm 70.

“I think the amazing for you to pay off your daughter's house.”

That to me is a very different situation than earlier, I think that's great. (audience applauds) What's say you? I agree wholeheartedly.

It's a different situation. Yep. I agree. I think it's beautiful. It's changing your family treat, right?

We talk about that a lot. And what can you do? And you're not enabling her in any way. No, 'cause I still give her some money to help for the boys' band uniforms and this and that,

'cause she doesn't ask unless you really need it. She's saying, "Mom, I'm having trouble with the boys stuff." And I'll go, 'cause she'll get it anyway, when I'm gone, so it's either now or then, I guess. I think because you have the money to do it,

you're doing so well, and when I think about grandkids, I feel like that's grandparent stuff. Like you're gonna reach in and do things like that, but that would be my reason behind it is you're in a financial position to do it.

It doesn't sound like she's been in a situation where you're floating her.

No, I've never, she's done well in her career.

We graduated together and for one of my master's. We walked down the aisle together. It's amazing. It was great. So what does her income do you know?

- I'm sorry. - What is her income? - She's a school counselor in Florida, so she doesn't do so hot. - Right. - I don't know the exact number, but the teachers, counselors in here.

- Well, the point is she's self-sustaining. She's a mama bear, take care of the kiddos. I think you're a great mom, and again, we're totally in favor. Don't put your name on the title.

You don't want it to ever feel like strings are attached. Just I want to do this for you, baby girl, and do it. - Yeah, make sure gift tax and everything with Florida, like yeah, double check taxes and all of that. 'Cause there's a gift tax.

I'm trying to give it to put on real estate, but just double check.

“- That's what I was kind of wondering if I--”

- Yep, we're in the money. - Make sure, yep, and yeah, 'cause it changes every year too. So depending on when you sell your home and all of that, but it could be, yeah, I would talk to you

as to a CPA, just a double check that you're in the clear. - Thank you, you're so long. - You're a good mom. - I think you're gonna give Barb some love.

- That was fantastic. - Thank you very much. - Appreciate that. - All right, up next. Please welcome to the Mike Phil, Phil, come on down.

(audience applauding) All right, Phil, get closer to the Mike, tell us where you're from. - For me, it's Tennessee. - East Tennessee?

- Athens. - Oh, my Athens. - Gosh, my mom grew up in Madisonville.

- Shut the front door. - Are you serious? - Yep. - You don't meet many people from Madisonville. - I plan to relocate Arizona.

- Okay, we like Arizona.

“- That's why you out here, you're kicking the tires?”

- Visiting grandma. - Oh, that's very nice. Everybody on the count of three, one, two, three. (audience cheering) - Phil, you're amazing.

What's your question? - So the question is, I'm about two weeks away

from being dead free for the second time.

I don't want to make the same mistakes. I invest in real estate, flip houses. And I got over leverage, so I'm almost out again. And I should have some money left over. The market where I live came down about 20%.

So it's a lot less than I expected. The question is, if you were in my circumstance, would you buy a house here in Arizona? Maybe cash, if the numbers work out with the sale of this house, or would you rent for a while and keep the money

to continue to flip houses? Since that's where I've been making my income. - I would focus on your permanent residence first before the flips. So either that is you go rent for a year in Arizona,

just to kind of see where you wanna be, which I don't think is a bad idea. But you have that money earmarked for buying your personal residence.

And then anything above that is what I would put to the flips.

But yeah, I would prioritize my personal residence before the flips. - Okay, caveat with the money, if I wait a year, I know you're a five year rule, which I've heard. Money market account, if you're not gonna do anything.

If I also have been investment money in the stock market and make doing pretty well, would you invest or just hold off? - Not for one year I wouldn't, 'cause Trump's gonna burp next week,

and it's gonna like tank again, and then like it's gonna do this. And it's back up, y'all know it's back up, or when I went down, when I ran up, like it's crazy.

So no, I would not, no, two of all it all right now. If you're in it, stay in it. We're gonna write it up together. Woo, it's a fun ride. - Y'all give him some love.

That's a good question. All right, we get time for one more question. Then we've got a really fun way to end our night. Please welcome to the mic, Erin. There she is.

(audience applauding) - Hi Erin. - Hi. - What's your question? - I'm a little nervous, but I'm super excited to be here.

I'm a huge fan. Again, I mentioned I was from Canada, so I came here all by myself, just to see you guys. (audience laughing) - So Canadian.

(audience applauding) And my two boys are at home, but they're a huge fan's too, and they're only nine and 12, but you're changing their lives.

- Well, what are their names? - Dylan and Riley. - Can we say hi to Dylan and Riley? You got an awesome mom. - Yeah.

(audience applauding) - Okay, so here's my question. So I came here alone, like I mentioned, all the way from Canada to be around, like minded people.

I listened to the show every day, literally, and my biggest struggle is feeling sort of alone at the top. I'm almost finished, baby step six, which will be January 9th of 2029. (audience applauding)

But it feels kind of isolating and lonely. How do I better handle mentally being

“the different one in friend and family's group groups?”

- Could you tell us a little bit more about what you were experiencing? Not just maybe thinking that they're saying, are there anything you're experiencing with that group of people?

- Yeah, something definitely comes to mind to happen recently before I came. I was telling my mom, I didn't tell a whole lot of people I was coming here even, but I was trying to talk to her about her future and retirement.

She's already retired, but I was trying to teach her almost some of the things that I've learned, and it's an odd dynamic when it's the daughter, trying to teach the mom, so I can teach my sons and tell them everything, and we listen to it all the time.

But yeah, it's just like she doesn't wanna hear it from maybe a child, so I'm definitely hearing some push-back from her of like, okay, sounds good, but you know what I do, genuinely want to help her, and you know, she jokes about just all living your basement,

and I'm like, (laughs) I love her to death, but does she ask for the help?

Like does she ask for you to never not once,

“but I see what could be coming perhaps down the road?”

- Yeah, it's tough because to your point, you're the daughter, and she hasn't asked,

to approach that is it's really cool to talk about the you, and say the things that you've done or the things that you've learned, and it feels a little less judgmental, and I have a feeling you're already doing that

in the right ways, though, 'cause I can just tell by the way you're talking, it doesn't sound like you're walking in there saying,

“Mom, you need to do this, you need to get your budget,”

and you need to break, and then after you've said all you can say, you just kind of move on, and most people, they see us leading by an example, like they see your life, they see what's going on, and at some point, if she gets to that point,

she'll ask, and she'll say, well, what did you do? How did you do it?

And you have to be cool with, if she never asks.

- Yeah, that's fine, yeah, thank you, that's great. - Yeah, and I think it's hard to what you said is so true. When you start to move past your parents from a financial sense, some people feel that spiritually, some people feel that emotionally,

you know, if you pass your parents in any part of life, that's an odd thing as an adult child, like, oh my gosh, I'm doing better than my mom, in the situation, and your heart and it is so good that you want her to have control and freedom

and set her life up well, but you cannot put a lot of energy. Even if, even though it's your parent, your mom or your friends or whoever, you cannot put energy into people that don't want to change on that subject, so you do kind of have to surrender,

and just like this is what I've chosen to do with my life. They may choose to do it, they may not, and that's up to them, that is not my thing to carry, that's not my burden to carry. But I can see that isolation part of having some fun wins,

financially maybe for you, or hitting milestones, you're like, man, I wish I had people to celebrate this with.

“So that's, I think that loneliness is very real and honest,”

but also I don't think that that all has to be your identity, either, we pair so much of our success or lack of success, financially with who we are, even though it's a big part of our story and it's wonderful and it's great, but it's not you, your money, your baby steps,

they don't define who you are. So I think concentrating on that and connecting with people on things that aren't just money, you know what I mean is great too, but that that lonely part is real, and I think you just have to own that until you,

unless you find someone, and I can have an idea. - Okay.

- Here you hang out there for a second, okay.

- Okay. - So one of the unbelievable magical things that they've discovered years ago, decades ago, was the power of community. And we saw it come alive in financial peace and diversity,

my wife and I many, many years ago, now over 20 years ago, led our first class in Atlanta, Georgia, as we were making progress and the community that we experienced was like many of you. It was life-giving to be in the room with other people

that were feeling the things you were feeling, that were thinking the things that you were thinking, that we're in almost identical scenarios.

“And that's what made financial peace and diversity special,”

and it's the community. And I'm sitting here listening to Aaron. And I'm like, Aaron came down from Alberta, Canada, Edmonton, Alberta, Canada, just to be in the room. She's on baby steps six, is that right?

And she used the word isolation and loneliness, and you all know how hard it is to be lonely, or isolated in any season of life, but certainly on something that is so core to your convictions. So I'm gonna do something, okay?

I wanna know if, and I'm starting here. I wanna know if there's any, let me ask you this. I'm making this up as I go. - Love it. - When do you return?

When do you go back home? - I get home early Thursday morning. - So what time do you fly out? What I'm saying? - Tomorrow night at eight o'clock. - Perfect, that's what I was hoping you were gonna say.

Are there any single women in this room tonight? - Or a man? (laughing) - I wasn't gonna go there, but I'm serious. Are there any single women in this room right now

that are willing to hang out with Aaron tonight, or maybe go to stand up, stand up. Single ladies, come on here to feel safe. It's not a dating thing.

Okay, so here's what I want, I want you ladies.

Aaron, you look at these like stand up ladies, look at her. After the show tonight, I want you to connect in that corner of the room, back there with Katie, okay? And these are your new friends, what's your name? - Martina.

- Martina, what's your name? - Mario. - Mario. - Mario, and your name, that's Aaron. - And you're your new friend.

And so, you all are gonna either go out tonight

tomorrow, okay?

“And you're gonna have three new friends, three new friends”

who feel you and know you and care about you, and they're gonna walk with you, even if it's long distance, face time and text, will you agree to do that? Say yes, if you do, no pressure if you don't want to.

You have an international plan on your fun. That's very exciting. (audience laughing) Are you willing to stay in touch with her? Are you willing to stay in touch with her?

Because this is what life is about. You need community. And so, thank you, ladies. You're amazing. And so, what I'm gonna do to get started,

we got a little, little bottle of Prosecco to get the party started. So, I'm gonna give that to you, Aaron, and ladies, thank you all. Would you all give these ladies some awesome work

that I hug you, you're so awesome. Ladies, thank you. That's really cool. I know I put you on the spot, but Rachel Jade, I'm saying something.

It's not right for her to go back to Edmonton, Alberta, feeling like she's isolated. Yeah, she's got three new friends now. Community. Yes, speaking with people, it's a big deal.

So important. So important. Don't try to run this race alone. It's so stinking hard. Any part of life, marriage, parenting, anything.

That was really special, ladies, thank you for that. And I appreciate you all doing that. Okay, speaking of community. So, we've been doing this on tour. We do a group debt-free scream.

And so, Jade is gonna be my assistant here.

So, here's what we're gonna do, okay?

Here's what I want.

“If you have paid, if you've become debt-free, okay?”

In the last 12 months, would you stand up? All throughout the room, stand up, stay standing. Stay standing in the last 12 months. Yeah, you clap for on this school. (audience applauds)

Okay, all right, here's what we're gonna do. So, Jade's got to calculate her out. I'm gonna go around the room. Jade's is also keeping it tally. And we're gonna find out how much money you spent.

So, I'm gonna point at you, you give me the number, and we're gonna add it up to see how much this room is paid off in the last 12 months. And then we're gonna do a group debt-free scream. How does that sound?

Pretty fun? That was kind of weak. (audience applauds) So, do we have anybody up in the upper deck? We do not, okay?

So, I'm gonna start over here, and we'll start right here in this row, the green blue shirt right here, how much? Give me a number, 40,000. Okay, sit down once I get your number.

So, sit down for just a second, so I can keep track.

Right next to them in the dark shirt. 80,000. (audience applauds) 80,000. Okay, right here.

601,000 dollars. (audience applauds) And you're more, of course. Yeah, I thought so. You guys can be seated for just a second.

Okay, let's go right back there behind them. 60,000. 60,000, okay, next to them, 400,000, okay? 20,000, am I going too fast or are we good? Okay, 60,000.

60,000. Hold the applause. We're gonna do some real big thing, okay? Right here sir, 42,000. 42,000, all right, this couple.

60,000, directly behind them, 12,000. Directly behind her, 65,000. 65,000, right behind him, 130,000. 130,000, man, right here. How much?

50,000, okay, right here. 12,000, way to go, right here, 75,000. 75,000, five,000, right back here I'm so sorry in the middle. In the middle, 27,000. 27,000, I'm getting there, who do I miss, right here?

40,000 and the last 500 was just today. Oh, that's fun, 40,000 there, okay. Is that everybody in the last 12 months? Right here? 122.

122,000, we added it, that was a nice number, okay. If you just gave me a number, stand up. If you just gave me your number, stand back up, all right, this is very exciting. And what's our number? Drumroll, everybody drumroll.

1,981,000.

Wow, 2,000, 1,99 million, almost 2,000, almost 2,000.

Almost 2,000,000. That's wild. That's crazy. Can we do, can we add in more people? Okay, if you're just debt free in the room, stand up.

If you are debt free, then to be this past year, just in general. Everybody. If you've paid it off. Fantastic. Okay.

You guys know what to do.

“Do you want to count, I feel like you should count it down.”

No, I think we all count it down. We all count it down. As an audience, right? Okay, all right. Here we go.

What's our number? Just for 1,985,000. Plus a whole bunch more from a whole bunch more of debt free people. We're going to do it together. You guys know how to do it.

Three, two, one.

You can be seated. All right, before we let you go tonight, we've done this in every city. And I want to start with Jade. I just want you from your heart to share a word of encouragement.

“What's on your heart and mind for these fine folks tonight?”

I'll just tell you guys my life first.

Galatians 69, don't grow weary and doing what is right. Or don't grow weary and well doing. Because at the right time, you'll reap a harvest of blessing. If you don't faint, if you don't give up. And I know there's a lot of people in here scrapping and just grinding right now.

And it feels stangeless and the road feels long. And you wonder if you'll make it and you wonder if it'll be worth it on the other side. When and if you make it, I'm telling you, it's worth it. I'm telling you, you will make it to the finish line. I'm telling you to hold on.

I'm telling you to just keep doing your best. Keep grinding it out. There will come a time where you cross the finish line. And there will come a time. And I want you to imagine it tonight.

I want you to take the time to just lay in your bed and go. Think about what it's going to feel like when the dead is gone. When the money is saved, when the mortgage is paid. And just let yourself sit in that for a while. Because the time will come.

And when the dead is gone, it's gone.

You never think of it again.

It's just poof. It's a wonderful feeling. And I promise you, you will get there. I'm proud of you guys.

“You know, I think of the most impactful words I've ever heard Dave say.”

I mean, I just think it had to be anointed when he first came up with the idea. And I've never asked him. I think I need to ask him if he thought about it ahead of time or it just came out one day on the air. I actually don't know. But it's the iconic phrase.

If you live like no one else. Later, you can live and give like no one else. Unbelievably profound. Because of the sheer focus that I think it gives people. And so I'm just going to follow along with Jade here and say that I think those words that you've heard Dave say over and over and over.

And they're burned into your conscience. Don't let them become ritual. I think it really is the key. Because what Dave figured out is on the other side of the baby steps and all of the tremendous work and the shortcomings and the stalls. And there he starts and all the things.

He realized that the power of that phrase was the live like no one else at the end of it. And the give. Because it's just something about the human spirit. We long to give to each other. We long to make our mark in this world.

Nobody has to teach us that it's hardwired into our soul by our creator because he gave. And so I would just encourage you to take those iconic words and let them be an anthem. No matter where you are to say on the end of this deal. I'm going to be able to live like no one else in Rachel said it beautifully tonight in the advice or her 23-year-old self. I'm looking at some beautiful people here in all of you have a different version of what live like no one else looks like on the back end of that.

And I would hold onto that dearly.

That's your why and it is powerful.

It will pull you through all the stuff you're going through for those of you that made it. Spread the word. Spread the good news of what it's like to live and give like no one else. Yeah, money is such a it's such a fascinating topic because I feel like it's one of the topics in life that can bring so much guilt and so much shame on one end of the spectrum. And then yet on the way other end of the spectrum it when it's seen in a healthy way and it's not an idol it's not the thing that's the end all be all.

But it's a tool in our lives to change our family trees to bless the people around us and do what we have to do right money is powerful. And it's only really powerful and used for good when it's put in the hands of people who choose to use it well. And to be in a room honestly and we feel this all over like when we go to all these different states and all these different cities like it really is incredible you guys, you know you can watch the news and hear all the jab or what's going on but like. Y'all are it like we're it right I mean there's people like you everywhere who want to create solutions for their lives and a subject that's really hard.

“And you know the secret that it's you that's going to do it no one's coming to save you.”

You've chosen to do something well with your life that's well beyond money. It's a legacy play it really is for your own family for the people around you and so we are just encouraged by you.

We are yes on this specific stage in these lights, but you all and the lights up there like you're the heroes you're doing it and that we the fact that we get to walk.

“Besides you in your journey and hopefully cheer you on is a pleasure and we love what we do we love you all and keep up the hard work.”

Thank you all for being here have a wonderful evening.

Thank you guys thank you.