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Abdel is with us. Hey Abdel, what's up?

Those three loans are equaling the same amount as my income, so my income is $63,000.

. And my question in particular is for the credit card debt. I'm about to max out my credit card, and, honestly, I'm paying $1,500-$2,000 a month, and it's not getting anywhere because of the interest, and I'm just trying to weigh my options here and see, you know, should I not pay and just settle it with the creditor, or should I find another option, especially for the credit card debt?

Before I got married, I had no debt besides the student loans, and I had $20,000 in savings. And I think after I got married, especially, you know, the wedding in our country is very expensive. The wedding cost me alone $30,000.. And then, on top of that, you know, diapers and, you know, gold for the wife. and just, you know, I brought the credit card down.

The gold was alone like $10,000.

And then you bought a $20,000 car you couldn't afford.

No, we're not in Congress. No, I don't care what the culture says. No, I don't have the money. No, I can't do something that I don't have the money to do. No, we can't go over there.

No, I don't want to do this. No, I can't be here right now because I'm having to work extra jobs, because I didn't say no before.

Even if it's while the baby's napping, she does something on eBay. I don't care what she does, but she needs to do something to create some income, since we've invested $40,000 into her.

You're not wrong. That was pretty cold.

That's true. You know, that's worth talking about. Stay at home, mom. You know, if that's the choice you want to make, that's true. That's fine.

But there's something that you can do to earn money. And there's so many great, if you don't want to pay the full cost of daycare, there's great mom's day out programs where it can give you some time back.

And you're selling a car that you shouldn't have bought. And then you can work through this and you can pay it. No, you don't let your credit cards go and then not pay a bill that you promised to pay when you have the ability to do it. Now, the question is, are you willing to do those things? And that's going to be the $900 answer.

That's so interesting to me. I come from the hillbilly culture, the noble hillbillies, by the way, which at no point in that culture would anyone have ever paid $10,000 for the opportunity to marry someone. You might have gotten paid $10,000 to get someone out of their house, but you wouldn't have paid for it. It's so foreign to me. No pun intended.

But, I mean, it's obvious. it's something that's a big deal in this culture. I'm not disrespecting that. But I just can't get my head around it because it's not where I come from.

You want an education? Get a student loan. You want a car? Get a car note. And it takes a moment to, like you said, you have to look at that and go, does that really make sense for me or really for anybody?

And it's a head scratcher. And then you say, no, I'm not going to do that.

And then, before you know it, like you said, it's the exact amount of your income.

That are put in front of you. And I don't know that you can. I'm not sure how this goes. That's true. I really don't know what he's facing on that, because I don't understand it.

Yeah. But it still has to do with, no, can't do that. Yeah.

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But financially, she made some poor decisions, with a car, ended up breaking down, and she had to junk it. And she contacted us just for some help. financially. We haven't helped her with money before, but obviously we love her son very much. We want her to succeed.

We know that giving her money is not a long-term solution to anything, so we're really just trying to think about the best way to approach her, talk to her about what's going on, how her finances are, how she can get assistance, build a budget, et cetera. And she's a very, very shy, closed-off type person, so we don't want to scare her off, but obviously still wanting to help her. We're just looking for the best way to maybe approach that.

And on top of that, I mean, she has three kids now. She's not working, has a baby who's now a year, and her other two kids are 9 and 10, and she just has absolutely no idea what to do. She can't get daycare for her baby, because in order to get assistance through the state, she has to have two paychecks before they'll provide daycare assistance. So she is just going crazy, and we feel like she's close to getting back to a point where she may make some poor decisions or drugs or something like that.

But maybe you can coach some of the things in her life by using the financial door to go through.

Having dealt with this a bunch of times over the years, the warning I would give you is, I would tell you to be very, very clear up front, because when you said financial conversation, you meant coaching. She might have heard money.

You're going to have a conversation about how much money you're going to give me. Yes, I'll be happy to have that conversation. It's very clear to her that you're not going to give her money, because you're not,

because this is a messed-up, toxic situation if you start that.

Then she may cut you loose.

So you need to be ready for that emotionally.

I think what I would offer if I were in this situation with your wife present, I would just say in person, over a cup of coffee, look, we love the little boy, and that means that we would love to help you. Our help to you would be that, as your older brother and older sister here that are successful in a lot of areas of life that you're not yet, we can show you a better path in a bunch of these areas. Help her get plugged into a good church. They can help her with the daycare. get started.

Let someone do that. But if she starts to see this baby as a ticket to get money out of you, this is going to get really ugly fast.

And we did at that time give her $200 to help moving expenses and get a truck to go down there. So I'm hoping that she doesn't think that that door is already open.

Because we love this baby, we want to coach you and help you. But it's going to be. we're going to show you how to get on your feet, not, we're going to give you money to get on your feet. And she may give you the middle finger.

It's a better than a 50% probability based on my experience. But she may have been just dying. It's sad, but sometimes folk in these situations will use a baby as a method of manipulation.

Because, like you said.

And when she gets that character thing straightened out, then you can show her the mechanics of the money piece. But she's going to have to go to work. And she's got to feed three kids. And we're going to have to figure out a way to cause her to be able to do that with some community support. And that community will help her if she's heading in the right way.

And you can probably line that up. And I think you're a wonderful person for investing into this. But just be very careful that you're not being manipulated. Because that sometimes is the only skill someone has. And they're very skillful in some cases.

I'm not saying that's true about her 100%. But it's just something I would personally be careful with. if I was walking into this. I'd want my eyes wide open. Open phones at 888-825-5225..

Royce is in Dallas, Texas. Hi, Royce. How are you?

I have $30,000 in on-hand cash. And I have an opportunity to buy a $50,000 house. Would you leverage some part of it? The renovations, would you buy it all cash? Because my whole thought pattern is if I leave that money working and do parts of it, so like finance 25, cash 25, cash on the restoration, it allows some of my money to still be working.

And so I agree with you on that partly. So. my thing is, though, do you think that there's ever situations where that would come in? Because I know the situation you got in, right?

And the more you borrow, the more risk you have. We know that. Okay. And nowhere in anything you learned in that MBA program does it decrease the returns based on increased risk because of debt. There's not a formula that they have in that program that shows you that.

And yet that is reality. So every time you borrow money, you increase risk. The more money you borrow, the more risk. The less money you borrow, the less risk. And risk does affect return over the scope of time.

And so don't do it. Don't do it. The borrower is slave to the lender. God is smarter than your MBA professor. This is the Ramsey Show.

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J.

W. Shaw, Ramsey. Personalities, my co-host. I'm Dave Ramsey, your host. Open phones here on the Ramsey Show.

Phone number is 888-825-5225.

. Emily is in Washington, D.C. Hi, Emily. How are you?

So we've covered her expenses any time we get together and particularly going on vacation. Usually not a big deal. It's just a few hundred extra bucks. However, there has kind of been an expectation to pay and there is conversation around going overseas to where they are from originally, where the family is from originally, for a bigger trip in 2025, which would, if we covered her expenses, it would cost us thousands of dollars. That's just not in our budget.

It's not something we can do. It would already be kind of at the top of our budget to begin with. But in kind of expressing this decision, not being able to cover her, her husband, and her five kids, it's really ripping apart our family, because we're being told we're being selfish by not helping her out.

And you don't have to give a bunch of reasons. Just, hey, it was fun for us to be able to do that before. with this trip. We're not going to be able to help out. And, by the way, probably going forward, you know, we've decided that the faucet has turned off at this point.

Almost every time, right? And so once you say, you can't play in the yard, it's my yard, and you can't come over here, there's a fence here, you should stay on your side of the fence. You know, that's a boundary, in other words. Then the people who have gotten used to treating your yard like it's their yard, and they go, oh, but we like playing in your yard. And so, no, you can't play in my checkbook anymore.

There's not room for both of us, and so I'm going to declare it mine, and I'm going to close the gate. The gate was open, and now the gate's closed, and since you're bitching about it, I'm going to leave the gate closed forever.

That kind of goes there, too.

As far as the other siblings whining about it, it falls under the category of nunya.

Nunya business.

It's how that works. And so, gosh, I'm sorry, though. I'm sorry, it's bringing a pain to y'all, and I wish I had something other than smart-aleck things to say that would actually make this go away, because it won't, but it won't go away. And so you're just going to have to smile and say, gosh, I'm so sorry, y'all feel that way. I love y'all, but this is our decision.

And I would not justify it. I wouldn't talk about the decisions they need to make different. I wouldn't talk about enabling. I wouldn't talk about entitlement or boundaries. I would just say this is our decision.

We love y'all, and, gosh, I hope you don't permanently cut us off, but if you do, then that's what you'll have to do. And, gosh, I sure hope not, but we love y'all and no.

Yes. And so we were there at Thanksgiving, and they're talking about Christmas, and I said, guys, I'm sorry, I got bad news. We just can't do that. We just went bankrupt. We don't have any money.

And so we're going to have to draw names. And my suggestion also is the children under 12 get gifts from other people, but everybody else is treated as an adult and gets one gift from another adult, and we all just draw names. And, no, to their credit, I'm bragging on my wife's family. They all said, that's a really good idea, because I think this other one sucked. Oh, that was great.

It was getting out of control, and I'm glad you brought it up. But I was kind of, Sharon's like, they're not going to like that. And I said, I know they're generous, sweet people. They're not going to like it. But we don't have any money.

Oh, man. So we can't play anymore. We can't pay the ticket to play in this. We can't get into this place anymore. We can't pay the ticket.

And so this is the only thing we can do. And so we love you all. And instead they were all like, well, thank God, somebody else said it. And so that family, that was 30 years ago. We've drawn names ever since, for 30 years now.

That's great. So sometimes it's a good result. But it wasn't someone that felt entitled. That's right. In that conversation.

Instead were mature, good, solid people who respected the pain that we were in at the time and how embarrassing it was for us to have to say that out loud. and all of that. Do you imagine sitting at your in-laws Thanksgiving dinner and announcing?

Who knew, Sam?

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Joshua is in San Antonio, Texas. Hi, Joshua. How are you?

So, we used that money to pay off about $30,000 in debt, the equity from the sale of the house. So, my question is, after we pay off a little bit more debt, which we have about $30,000 left,

is it smart for us to continue to pay the house through my parents or get a mortgage loan?

. And market value is like $380,000..

My wife is with my two kids.

. That's a lot.

What I make, obviously.

You do not own the house and you're not on the mortgage. And you do not have the money to purchase the house. Because the purchase of the house to get a mortgage will require a down payment. Mortgage companies don't just give 100% loans. And so, you don't have the money to purchase the house.

And you can't put the house in your name with that other mortgage on there. Because that mortgage has what's called a due-on-sale clause in it. That if they transfer the title to your name at the courthouse, the mortgage company is going to call that mortgage due in full and foreclose on your butt.

And so, you guys have made a huge mess. Because you didn't know what the flip you were doing. All of you just thought you could just slop around and this would work out. Just because you wanted a bigger house. This is awful.

So, I think the only way that I can see out of this is for you guys to take six jobs and quickly put together some money for a down payment. How much is the balance on the mortgage?

either your parents gift you another $30,000 out of this remaining equity, and they show that as a down payment on this house, and you get a mortgage and get the house into your name, for God's sakes. Because if your parents have some kind of a problem that even they didn't mean to have, they are in a car wreck and get sued for $500,000 and the insurance doesn't cover it, the $500,000 lien will be against this house because it's in their name. It's not in your name. So, everything that they do ends up on this house because it's in their name, not in your name. So, every day that you sit there acting like this is your house.

when it's not your house, you are in dire risk. And so, that's why this is such a bad deal.

They're on the title.

They're making profit off of them. They're not. It's not. It's.

This was a bad plan. Top to bottom. And I'm not real sure how you're going to get out of it. Other than quickly to come up with a down payment. And try to qualify for the mortgage.

And get the house and the mortgage into your name. That's the only thing I can come up with. The sooner you do that, the better off you're going to be. Because in the meantime, you're just paying off somebody else's mortgage. You went from being a homeowner to being a renter.

And if something happens with one of them. And there ends up with liens on this property. You're never going to get the property. And believe me. In 35 years of doing what I do.

I run into that a lot. Because people who do bad deals have a tendency to do other bad deals.

How much. How quickly you can save with the down payment to do that. And if you can get any credit from the equity reduction. From the price reduction. Towards a down payment.

As far as the way the mortgage company looks at it. In other words. If they're willing to sell it to you for $340.. Do we instead show it at $360.. And the mortgage company shows that $20,000 as a gift from your parents.

There's a possibility they can do that. So I would look into that. But this is.

This is a classic case of I want a bigger house. I can't afford it. I did it anyway. And that's what you got yourself into. Joshua.

I'm sorry. Wow. I hope you get out of this with your skin. This is the Ramsey show.

Live from the headquarters of Ramsey Solutions. It's the Ramsey show. Where we help people build wealth. Do work that they love. And create actual, amazing relationships.

Jade Walshaw. Ramsey personality, is my co-host today. Open phones at 888-825-5225.. Marcus starts this hour in Los Angeles. Hey, Marcus.

How are you?

Asked me what would Dave say. So we talked through that. But then I wanted to ask you and see what would Dave say.

. This is everything. Dresses, venue, housing. And then we're getting family support for $30,000.. So out of our pocket, it's $50,000..

So the average wedding in America today is $34,000 annually. I mean, $34,000.. And the average household income is about double that. And so if we say the average person in America spends half of their annual income on a wedding when they get married, then you're not spending half your annual income, right? But it probably would change.

Like, if the average person spends 10% of their—I'll just make up a number—10% of their income on food, when you make a half million, you don't really want to spend 10% of your income on food, because you'll be big as a house, right? And so that wouldn't work. So somewhere these ratios start to break down, like now, possibly. But you can afford to do this. You're paying cash to do this.

It is not an unreasonable ratio as a percentage of your income. And then you're willing to look at each other and say, we're willing to spend on this one day and delay our house. That doesn't sound right when you say that out loud, but it's not the end of the world. If you want to do it, you can afford it.

His daughter got married. They spent $100,000 on the wedding. Whoopee. Okay. No big deal.

Right? But it's still shocking to those of us that are like regular people.

And that's kind of what your situation is. You're spending a shocking amount of money on a wedding.

But it's not mathematically insane. Does that make sense?

Yeah, I think if I were you, too, I would just want to look at each other and say, we are spending three times the national average on our wedding. Why? And if you can answer that question, looking at each other and not say, because I'm an immature princess and I just want it and I'm going to stomp my foot and have a red face, which I'm not accusing you of. Then if you can answer that question logically and go, hey, it's something I've always wanted to do. We like a big party with family and friends, which is actually what my friend said that spent a bunch of money on his kid's wedding.

He's like, our family likes to party. We like to celebrate big milestones. This is a fun thing. And that's why I work. And I've got the money.

Shut up. And, you know, that's a valid answer. It wasn't coming from some kind of entitlement or weird stuff or something. As long as you got all that stuff covered, your math is not insane. It's three times what most people do.

But you make more than three times what most people do. So you can afford to do it. That's the idea.

Sometimes in the neighborhood I grew up in, people would say stuff like, no one needs a car that nice. You ever heard people say stuff like that? Of course. No one should ever, dot, dot, dot. You ever heard people, they usually say it with that country accent.

But it's like, you know, but nobody ought to. Nobody ought to. No Christian ought to. I mean, everyone knows that the Accord is the Christian car, because Jesus said they're all in one Accord. Oh, my Lord.

You know, anything better than a 1993 Accord is not Christian. We know that. Nobody ought to spend that. There are starving children in the world.

And I'm like, okay, like another buddy of mine made $17 million. And he drove up in a $480,000 Lamborghini.

Or take another zero off. You make $170,000 and you bought a $4,800 car. It's the same ratio. So, of course, you should buy that car. It's nothing.

It's like you and me buying a biscuit. This is The Ramsey Show.

Jade Walshall Ramsey personality, is my co-host today. Thank you for joining us, America. We're so glad you're with us. Hey, guys. The private student loan refinance is available.

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Hi, Ed. Welcome to the Ramsey Show.

They're still friends of mine, okay? So it's not that kind of a thing. But my question or my – I would want to make two major points in this, three. Number one, I don't think you're going to stop them. I don't think I'm going to stop them because I don't think they care what we think, okay?

So they're probably going to do this. They're probably not going to stop. But conceptually, or if we wanted to discuss it as if we could discuss it, first thing I would say is I can find, and I've studied it for 40 years, I can find nowhere in Scripture that there's one single positive reference to debt. Every time the Bible mentions debt, it is a negative connotation. Again, it's not blasphemy.

It is not a sin. It is not at that level. But there's all kinds – the borrower is slave to the lender.

There's a lot of mentions of fool around the word debt.

And it's a curse. When Moses is not able to take the children of Israel into the Promised Land, Joshua instead, does, God says, you know, here are the blessings and here are the curses. And the blessings – if God is blessing you, you will be a lender to other nations, a giver to other nations. If not, you'll be a borrower. It's one of the curses.

And so it's a curse. And it's all those kinds of negative things mentioned, because you're doing something you don't have the money to do. It's pretty simple. The other thing, then, is how does that play out when we escape the scriptural – or when we sidestep the scriptural discussion of this? Because you really can't find it in there.

Larry Burkett used to say there's no place in Deuteronomy where, you know, the Israelites were hemmed into the valley by the Amalekites, and the Amalekites are getting ready to kill them, so they did a bond issue. And they beat their way out with pledges. It's just not in the Bible anywhere. God has never – in his word, he has never used debt to cause his kingdom to expand. It's never once in there.

As if your church is the only place that someone can meet Jesus, and if we don't build this sanctuary, they're going to go to hell. That's absolute arrogance. Okay? Absolute arrogance. It's not in the Scripture.

Now, aside from that, the other problem you get is that – well, before I leave that, Larry Burkett also used to say, and I've experienced this personally, that what happens is a lot of the men, sometimes the women, in the church, that are successful in business are appointed to the elder board, the deacon board. And so it's not unusual for your governing body inside of a church to look like the Chamber of Commerce. It's a banker, a car dealer, an insurance agent, whatever. And so they then start to run the business of the church the way they run their business in the world. Rather than using Scripture to make the decisions, they use their MBA to make the decisions.

And that's a theological breakdown right there, a doctrinal breakdown. You shouldn't run a church the way you run a business. There ought to be some overlay. There ought to be some leadership skills, that kind of stuff, that there is an overlay on. But operationally and the financial principles are not the same, because it's a different calling.

Now, back to the other – so that's all under the heading of, it's simply not Scriptural. You can't find it in the Bible. Now, the second thing is, how does that play out in the real world? Well, 50,000 churches in America have now taught Financial Peace University. So you might guess that I've had this discussion before.

You might even further guess that we've got an amazing amount of data of what happens. The amount of times that a pastor is no longer the pastor. 36 months after the building project and capital campaign, it's like 85%.

And part of that is the head of the church or the leader of the church, the pastor. And it's a big deal. Where I, on the other hand, have had the wonderful experience of being around churches where they went the other way. The church I attend merged with a local church and took on, at that time, $7.5 million worth of debt that the church they merged with already had. And our pastor said, we're going to pay it off in 14 months.

And they did. Raised money to do that instead of building buildings. And they're doing a $40 million project right now, and they raised 100% of the capital. Zero debt. Not going to go back in debt.

Not because I go there, but I might go there because of that. Hello. And might have something to do with it.

do you participate as a person who's attending the church? Do you say, yeah, I'll pledge, I'll give my –, I'll pray about it and I'll do whatever God lays on my heart. Or are you, Dave, are you like, I'm not contributing to that?

I've got to go to a different one. And I would not leave a church over this.

Can't stand stinking banks. This is the Ramsey Show.

Thanks for joining us, America. Jay is with us in New York City. Hi, Jay. How are you?

But right now I'm in a situation of rebuilding my life back, and I started going back through all the baby steps. And I skipped step one because I already had more than $1,000, and I started focusing on step two. And then I started jumping between step two and step three because I was trying to build a six-month sort of, like, emergency fund in case I lose my job. I work in tech. I'm a product designer.

And the industry for the past few years has been sort of volatile, where it's like six months I don't have a job, and then I have a job, and that's a year of not having a job. I still have to pay mortgage.

But if you're not going to do that, it's okay. You can do whatever you want to do. How can we help you?

. That was my last full focus, right? So I was like, that's what I'm going to focus on.

My mom recently just had four strokes in three months. Not well. Okay.

So I'm kind of – and then she spends money. I cut up her credit cards.

She only has one that I'm aware of that I just go, okay, if there's anything you need, as long as I can watch it.

Here's the thing. Your parents are getting up there in age. They have zero assets whatsoever. I would take the credit card so she cannot spend on it anymore, but what debt is left there? When the time comes and she goes and leaves this earth, there's nothing there.

That debt is not going to fall to you because there's nothing.

Because she's broke, and she's ill health, and she's approaching 80 years old. And when she dies, they get nothing. Mm-hmm. So when she's borrowing money, and they're going to get it back, that's stealing. Because you and I know they're never going to get their money, and I'm not going to participate in her doing that.

That's wrong. It's morally wrong. And you're not liable for any of this. Nope. So what you need to do is get your freaking act together, including paying off this ridiculous student loan, and use your emergency fund to do that, and get yourself on a budget and set your parents' issues over to the side.

You are not responsible. If you want to take them on and feed them and clothe them and house them, that's fine. You've got $1,200 a month to your budget to do that, minus whatever you decide to send your brother for the stupid mess he made. But you guys have got to quit running this stuff in circles. You're taking each other down.

Mm-hmm. You're all going to go to the bottom of the ocean and drown together if you keep this up. You're just creating this whirlwind, I mean this funnel, and it's just going around, and you're going right down the toilet together. Oh, man. Riding around, going, whoopee, look at you, look at you, you're stupid.

Everybody pointing across the toilet at the other one as they go down the drain.

And it's like, jeez, I would have never agreed to that. And all this crap. Just say no. We're not doing this. Calm everything down.

And quit putting your money in the middle of this stuff.

And you're very generous to offer to take care of them, but it doesn't sound like you're really doing it out of the goodness of your heart. It sounds like you all have a ridiculously toxic family, and you got pulled into it for that reason. So you guys need to relook that whole situation, set some fresh boundaries, get some help with the relational aspects of this, and you need to really draw some lines, man. But definitely do not use your money for this. Definitely.

You didn't cause the mess, and you got a big enough mess of your own. This is the Ramsey Show.

Jade Walshall, Ramsey Personality, is my co-host today. I'm Dave Ramsey, your host. Jade, when Rachel Cruz was a brand new baby, can you imagine that, little Rachel Cruz? Her older sister, was two and a half, barely walking, good. We put these wonderful little angels to bed, and their mother and I were watching a perfectly good TV show.

We glanced up the top of the stairs. The toddler is standing at the top of the stairs with the brand new baby in her arms, bringing her down the stairs to us, because, as you might imagine, Rachel Cruz was making noise, and Rachel Ramsey at that time.

I did the same thing. you're doing right now. For those of you looking deeply into the radio, Jade is gasping and holding her...

Adults should carry children down the stairs, not toddlers. Broke people can't fix financial problems for broke people.

Y'all get the metaphor yet out there? Hello, look deeply into your podcast and get this. When you're broke and dysfunctional, taking on the rest of your broke and dysfunctional family is not going to make you less broke and dysfunctional. It's going to make you more broke and more dysfunctional.

So if you're.

. I'm not. ever... I have been broke and dysfunctional at the same time and separately at times. So I know what this looks like.

I'm not above that. And everybody gets a different starting place. Some people get a better start out of the gate than other people.

Because you know down inside of you, you can feel it when your stomach tightens up and those muscles across the back of your shoulders tighten up, that you're getting ready to do something stupid. And then later on, when it turns out to be stupid, you know when you look back, I've done this and all of you have done it. You know, when you look back and you go, you know, when I was doing that, I was thinking this is stupid, but I went ahead and did it anyway. How many of you can... everybody testify, amen, right?

I mean, everybody, right? Everybody's done this. So the trick is to stop that pattern, because the proverb says, a wise man sees danger and stops. A fool goes forward and suffers for it. So I get that right.

If I come out of a background, a family, if you come out of a background or a family, or you come out of an area of the country, or a socioeconomic way of thinking, whatever it is you're coming from, you have the right to put the negative parts of that in your rearview mirror.

You have the right to say, I'm not going to think that way anymore. I'm going to do this other thing this way. And that may mean that some of the people around me are not going to understand when I make different decisions. Because I remember one of the famous things that you say, and because it grabs me around the throat every time you talk about. it is, and you talk about this in your book,

that around your family, they had a saying, and you had to say, okay, I'm not going to have that saying. Yeah. Talk about that.

We ain't got no money. We ain't got no money.

And that is painful.

This is, yeah. And it's like a buddy of mine said, he grew up in the hood. And he said, getting out of the hood is easier than getting the hood out of you.

It's the ability to make decisions, the wisdom, the ability to look at something and think differently, the ability to think in abundance rather than scarcity.

If a chimpanzee would climb up the pole to get the bananas, they would take a water can and a fire hose and shoot him, knock him, knock him off of there. Every time a chimpanzee would try to climb the pole to get the bananas, they'd knock him off. Different ones would look around, they'd talk about it, they'd huddle, they'd make all these decisions. And finally, a brave one would go up again, boom, gets knocked off, boom, gets knocked off, boom, gets knocked off. And then pretty soon, they didn't have to shoot the water cannon.

If one tried to go up, the others would pull it down.

And so that means you think you're haughty or you're something else. Oh, yeah. And after a while, when I heard somebody say something like that, I thought, yeah, absolutely.

Every one of you ought to get above your raisin.

Not everybody's got the same starting line, but they all got the same finish line. Get after it, boys and girls, get it, get you some.

Live from the headquarters of Ramsey solutions. It's the Ramsey show where we help people build wealth, do work that they love and create actual, amazing relationships. Jade washout, Ramsey personality, is my cohost today. Thank you for joining us. We're glad you're here.

Open phones at triple, eight, eight to five, five, two, two, five. Jesse is in Phoenix. Hi, Jesse. How are you?