When Dave Ramsey Knew He Sucked With Money

[Music] brought to you by the every dollar app start budgeting for free today they say that memory is activated by smell Mo primarily if you SM smell a certain smell it'll take you back um the other thing that causes you to lock a memory in is deep emotion if you're extremely angry or afraid you have a clear lock on that memory I have a clear lock on that from 35 years ago I remember exactly where I was in which Kroger I could take you there right now and and I could show you the aisle wow like five aisles across I was the second one in because I that was the moment when I reached the point that I said this isn't working I'm standing there paying for food and as I'm writing the check because in those days you wrote a check as I'm writing a check I didn't know if there was money in the account and I didn't know if there was money in the account if I was actually using money that should be used to pay the light bill in other words am I trading this bag of groceries for my electricity getting cut off and that for some it wasn't a panic attack I get I today you might call it that I I don't know I just became overwhelmed with this feeling of how stupid I was and how this level of Terror this constant knot in my stomach about if I'm if I'm can't even cover basics of life because I'm buying another basic of Life Food a and that's the last time I had that feeling what happened after that did a budget that was it that took away all the yeah because if you have if you have a budget laid out and it says you spend I'll make up a number today 800 bucks on groceries 700 bucks on groceries right th000 bucks on groceries whatever it is I don't know you just put it in there you're going to spend that you also have the number in there for electricity so you know what you've got to spend on the grocery and there's not all this chaos and stress and fear associated with every single money transaction because it's simply a boring plan every dollar has an assignment before the month begins and it gets rid of that that I don't know grocery store terror attack whatever you call that what do you I don't know what you call that just bill anxiety I'm sure there's a a technical pschological term for it but yeah it's probably got something to do with the price of eggs but the um but you know the the I distinctly remember being afraid which is unlike you I might add I'm not afraid very often I'm I'm not a fearful person in general but uh but everybody gets afraid sometimes but I remember going I'm out of control and I've got little children and a wife and I suck at this you know and and and you got a finance degree at that point I got a finance degree and I was making you know I had made and lost a million dollars by then you know and and it didn't matter I I can't even buy a bag of freaking groceries without being overcome with fear because I don't know what else I'm screwing up while I'm buying food for my family you know that's so basic right it's so that's so dumb and and so I went home got a yellow pad out put the okay this is what we've got coming in this month this is what we're going to spend every dollar had an assignment you know we we're a Christians so we're going to tie the our church that's the first thing we're going to do our generosity then we're going to do this then we're going to do this we're buying food we're going to buy lights we're not doing all this other crap and we're not going out to eat until we've covered these basic walls and we started Living that way and and I've we've not had a single month of Our Lives that we don't have a plan for every dollar of our cuz it just gives me such peace peace and that chaos is gone that's why we named our app every dollar that we built come a long way since the yellow pad yeah and there's like tens of millions of people using it and I guess you're you know and I hope some most of you are having the same result where you don't have this overwhelming fear that no plan and Chaos gives you plan and no chaos no disorganization only organized planning and all of a sudden peace comes it sounds so nerdy but it really happens that way folks and you feel like you got a race oh absolutely because you realize Oh I thought we were spend this money been going we're not spending 200 we spent 500 we got to do something about this where is this money going so it helps you choose reality to go here's how much we actually made here's how much we need to spend in order to hit our goals and I remember sitting in a a a small group I stopped by I was over in Knoxville Tennessee and I was actually a suburb of Knoxville up towards the mountains and I stopped in this church that was doing a a financial peace they said hey if you're coming if you're around come by so I stopped in they were doing a financial peace class and I went and sat I sit in a small group there's about 15 20 people sitting around and I'm just sitting there listening to them and they're they're some pretty funny stuff I mean but this one old guy sitting there in overhauls and he's like yeah I done figured out why we got no retirement we've been eating it we got to eat every freaking night it's $1,200 last month he goes that budget's revealing you know D G it was a genius you know he's like I know why we got no retirement we've been eating it you know that it's exactly that's a typical American right there plus or minus the overalls in the accent but oh come on I the accent though that makes it better well it's a true story I mean it's exactly how it happened was it were they weirded out that you were sitting in the class yeah I was like Elvis like Elvis showed up to your jam session or something but yeah but the uh um but anyway they were the guy was just he's like this thing's revealing is kind of a light when you sit down and you do a budget on your every dollar app and you and your spouse are in agreement for the first time ever maybe you've had a sane discussion about money that didn't involve drama Hyperbole and a a knockdown drag out freaking argument right so we actually are in agreement in alignment on our money instead of like well whatever you want to do honey with your eye roll right and that kind of crap that's inter personal I feel like you that definitely has happened promise you've been on the business end of that line I've been on the other side of that one yeah it's like whatever you want to do honey means I think you're stupid and you're about to wreck the car stop driving it that way that's what that means if those of you that don't know if you don't speak passive aggressive that's what it means so um but that this the budget gets rid of every bit of this because it's like you don't get to say I messed up the money because we did it together if it's messed up baby you was in it too you know I mean that's the thing so we decided this crap together and that that's why this every dollar app is so freaking successful so you guys go download this thing as fast as you can you get at the App Store for free and Google Play and all that and you can go to everydollar.com if you want and do it on your desktop I don't care and if you want the upgrade version It's a couple of bucks it's not much and you can connect to your bank and it's got all the paycheck planning features and the baby step features in it and all that stuff but tens of millions of people are doing this now it is the world's best budgeting and it was born because this redneck hillbilly standing in line at Kroger 35 years ago going you're an idiot talking to myself I'm not living like this anymore I don't want to be this scared anymore I don't want to be this incompetent anymore I don't want this taste on the back of my tongue that tastes like regret I don't want that anymore and that's how this app was born it's not like well we decided we're going to do a budgeting app no it's just like bull crap stuff stops now we need to do this this stops now and if you're there we got the tool baby this this will do it for it is a financial Epiphany if you want to start reading from the same sheet music instead of having just musical chaos in the house wondering what the Flip's going on this is it it's that shared thing we both look at for accountability and go we both agreed to this and if we stick to it we're going to have this thing called money yeah and I promise you if you're married your spouse is not like you if two people just alike get married one of you is unnecessary necessary y'all are different one of you one person hates your spreadsheet I guarantee it one of you is a nerd one of you is a free spirit one of you is a saver one of you is a spender one of you is screwing with a thermostat all the time and the other one is like don't you understand how thermostats work don't touch it leave your hands off the thermostat if you turn it way down it cools off faster no it doesn't that's not how it works this is how marriage works boys and girls if Opposites Attract you need to get on the same plan together create your free every dollar budget today the simplest way to budget for your life