How Do I Keep My Friend From Getting Scammed?

[Music] brought to you by the every dooll app start budgeting for free today Hey so uh just kind of my background with the Ramsey program um I me and my wife had started trying to become debt-free I I don't know like four years ago I was staring down uh dental school looking at like $650,000 of student debt good Lord and decided decided to quit um one or one month into it and and ended up joining the military and got my student loans paid off and then uh kind of came across you guys about a year ago and we've since paid off about $50,000 of debt so you had 650,000 in debt or you were looking at taking that on no I had $50,000 oh and now the military pay for you to do dentist Dentistry uh no the military um paid off my student loans I had from my undergrad oh so you abandoned industry yes y um and so I appreciate what you guys have been putting out um because I you know we were kind of on our path to to getting out and then kind of started listening to you through some friends and uh just kind of really cleaned up a lot of our other debt that we had sitting around but uh so thank you for that um thank you thanks for your service to the country how can we help absolutely so I have a buddy um that I've kind of told about what we were doing and and talked about you know looking at maybe some side hustles of sorts being here in Hawaii um and so he reached out just barely about this company called Global Financial impact oh god um and yeah so I looked online and they're very vague but they kind of talk about Universal Banking and yeah whole life insurance there is a little blur about ter policies but um I just I don't really know what to tell my buddy because I like I I feel like people take advantage of military people yeah getting into things like this and so I just was like I I don't know I had some time today so I'm like well I'll call in because I I listen to your show every day and I'm like well I kind of get some advice from Dave about what to tell my friend because well go three clicks deeper you will find nothing positive okay if you just keep clicking you're just going to keep finding more and more dirt it's a it's a bad deal yeah run tell him to run run run as fast as you can the other way like they're shooting at you run yeah because you know this is this is it's bad news listen anything that sounds too good to be true is absolutely and I there's no sense in getting into all the details but I think if you'll just do a little a little bit of research you'll just find you've already got the stink you got the smell off of it already and so you know just keep clicking around you'll find other stuff it's it's uh fairly easy to find all the uh trash that's out there and um and in this case I think most of what you find will be the trash will be true so yeah dissatisfied people people that I felt ripped off people that were ripped off uh and so on you're not going to find anybody goes change my life except in their ads so that that that's your that's your key right there and so a lot of lot of good side hustles you can do without getting involved in that kind of stuff man wow yeah and if it's your buddy and you're worried about how to tell your buddy um I don't know Dave with me and my closest friends we have a pretty straightforward relationship that they've got permission in my life to say hey deloney you're about to do something real stupid don't do that M and I have learned the hard way over the years that when one of my friends calls me and says that I'm probably not seeing something the right way and it's at least worth me taking a look and so I think this is one of those moments Bryson that you call your buddy aside and say hey I'm just telling you because I love you you're about to do something really stupid please don't do that or give me six months on the Ramsay plan give me six months don't do anything um but I love you enough to just try to stand in front of you and yell hey bridge is out stop driving yeah um and at the end of the day your friend's going to do what your friend's going to do at you guys' age at your college age folk um it's harder to have the maturity and the friendship to where you listen to that though yeah um I know um I've experienced as my kids were in that age their friends going to do something and like one of my kids would come in Rachel would come in and go hey Dad this friend from college is getting ready to do so and so and I'm like oh no no no no no no and you need to tell them and she would go tell them and they would do it anyway so you you know you need to be ready for that he's he may do it anyway you can't stop him um and it's just kind of painful to watch people you know do stupid stuff create your free every dollar budget today the simplest way to budget for your life