Dave Ramsey Reacts to Dave Ramsey’s Advice

[Music] brought to you by the every dooll app start budgeting for free today I have 35 credit cards okay are you are you ready to endure some pain to get rid of this mess it's going to leave us with hardly anything are you ready to endure some pain to get rid of this mess yes I am what about your husband oh yes yes he is okay all right and the two of you need to sit down together go on everydollar.com and do your budget tonight okay download it to your iPhone or your Android or your desktop it's free a check comes in all the money goes out and then you're broke and you can't figure out how to go to the grocery store yes exactly you're not living by any kind of plan this money is owning you you don't own it and you got to get the other side of it and the budget helps you do that you're telling your money what to do instead of wondering where it went okay and then you and your husband are in agreement we're going to sacrifice deeply because I am so sick of living like this and when you get sick and tired of sick and tired you're ready to change your life kiddo yes you can you can do it and you call me back if you need help okay okay thank you Dave it sounds like a call I've done 5,000 times Well 30 did you say 35 maybe that was it though 35 credit cards yeah but I mean it's a lot but yeah it's it's a George castanza wallet right I mean you know I don't know what that means uh on Seinfield George had a wallet that was 6 inches thick yeah Seinfield Seinfield yeah in a whole different world okay I know I'm friends generation I'm friends versus Seinfeld sorry um but no I mean I don't know either I don't know I don't know I don't know I don't know why 10 million people want to see it's probably $35,000 and everything you said in there though is all true you want to be the one controlling your money not your money controlling you you actually want to be able to have a say you're exhausted of how you've been living I mean it's it is all of that pent up tension when it comes to feeling lost and hopeless with money right I mean it's it's it's the exact pain point so many people feel you reach the point of being sick and tired and being sick and tired and Les Brown the great motivator I've said it a thousand times always said you finally say that's it I've had it that's what I was asking her challeng are you ready y because you've got cuz change is painful doing something you've never done before is scary yep it's frustrating it's painful but you're going to keep getting what you've been getting unless you change the X if you keep making a cake and it's strawberry and you want chocolate you should change the recipe MH you know you don't be surpris it's chocolate again who knew well of course it's the same stupid cake you made the same stupid recipe so you keep doing that in your life it's the same thing and so if I keep eating what I've been eating and my body's going to continue to look exactly like this well any any level of growth and I'm and I'm thinking you know relationally financially physically like any of that I mean all of it there there's a level of of um change that is so uncomfortable but you have to be uncomfortable to grow if you keep staying where you you know what I mean how you've been you're going to there's no pain involved because there's no friction it's just you're just doing the same thing over and over again right so when you are changing it's going to be uncomfortable and there's going to be some pain but that means you're growing you're growing in an area of your life and you're not stagnant it's not it's not change uh the pain is not for nothing it's transformation yep it's the the uh the strain of the caterpillar pushing out of the Cocoon allows it to become a butterfly it's transformation it's not accidental and so you can count on you becoming the next Awesome version of you hurting it's going to be painful at times um you know no discipline seems Pleasant at the time the Bible says no discipline seems Pleasant at the time but ding ding ding but it yields a harvest of righteousness so no you know no time uh you know you and Winston got got the whole family doing cold plunges at no point in doing a cold plunge the whole is this children yeah we put the little babies in there too no I'm kidding kidding no but I mean you got you got at no point is this fun yeah but the result is inflammation down all these other things and you know the result is it's you know you pay a price to get better and that price is the pain of change and until you have enough pain where you are today you will not walk towards the pain of change the pain of today can be just simple simply disgusted with myself or it could be I'm about to get foreclosed on I mean the pain of today can be a lot of different kinds of pain but you can you can manifest pain today you can just get sick and tired of being sick and tired that's right it's a disgust right and then you go okay 35 credit cards I'm broke I look like I'm in Congress I'm not living like this anymore and then giving her a tool every dollar I think people are they're they're they're needing something to help them in this in this world of money they're needing a tool they're needing something to assist them because it is it's hard to do it on your own right I mean we I have a trainer to help you know with working out you have you have areas of your life that you get advice from and you have experts to help you and now in the world of technology you're able to in a great way you know have an app on your phone that is guiding you just as Wednesday night we sat down two nights ago and did our August Budget on every dollar so I'm like to have something assist you in it is such a gift you guys so the every dooll budget it's that if you go to everydollar.com and create your first budget for free and start actually doing this that's a gift and of itself of having a tool come alongside you as well yeah but then you have to do it you have to stick to what you wrote down and if you wrote down something that's different than you the way you used to live and it says okay we're not going to spend anything on restaurants this month and we've been living at restaurants prior that's that's a big change that's right yep and and you know it'll be about 30 minutes before that little devil on your shoulder says Chick-fil-A no the de the devil would not say Chick-fil-A that's Jesus chicken but he might say he might say chipot chip might say Chipotle yeah I don't know what would the devil say but anyway you see what I'm saying there's going to be some kind of little thing reminding you Taco Bell Taco Bell oh that's definitely the dev no question that's the devil yeah okay so um oh my gosh so anyway whatever it is you go okay what's the Temptation yeah you know I you used to watch those cartoons when you a little kid with Fred Flintstone and he would have a little little devil on one shoulder a little angel on the other shoulder right whispering and what's the tempt somebody's going to try to drag you back to your land of stupid that you're trying to leave even though you have a road map with your every dollar Budget on how to leave the land of stupid drive on boy drive on get through get through get through push through get through e old country song If You're Going Through Hell keep going you know keep going there's nothing on the other side delone talks about that if you're going through a hard time the fastest way through a hard time is straight into it y not trying to back up not trying to run around it not trying to avoid it run right straight through it and that's true of change that's CH true of transformation and that's why we teach you that snowball because you get out of debt fast we want you to lean in with intensity and and this is why the every dollar system works so I guess I guess that's what that was I don't know I it is a bit of a mystery to me I was waiting for something so profound I'm just kidding yeah really it's a bit of a mystery to me that the things I've said like 80,000 times occasionally go viral and other times they're just flat it could be the 35 credit card that might have been that it was a good opener create your free every doll budget today the simplest way to budget for your life