Dave Ramsey Meets Uncle Si’s Finances (Willie Knew This Was Coming)

Summary

Duck Call Room | “Dave Ramsey Meets Uncle Si’s Finances”

Air Date: January 29, 2026
Hosts: Si Robertson, Justin Martin, Jason, Willie Robertson
Special Guest: Dave Ramsey

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Overview

In this lively and heartfelt episode, the Duck Call Room crew welcomes financial advice legend Dave Ramsey into their world of hunting tales, family wisdom, and classic Louisiana humor. The guys tackle money habits—from Si’s infamous poker losses to generational change in work ethic—and dive deep into life lessons about wealth, happiness, raising responsible kids, and the pitfalls of “stupid” financial decisions. All with the signature warmth, banter, and authenticity fans expect.

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Key Topics & Insights

1. Uncle Si’s Money Woes & Dave’s Philosophy

[01:04 – 03:03]

• Willie teases that Si has a “list of money questions” because “you’re never too old to learn, especially about cash.”
• Si admits, “I got two vices. One of them is poker, the other one is women. …but that's the only two things what will really get me in trouble.” (Uncle Si, 01:25)
• Dave probes Si’s poker spending: “What’s your limit? How much is too much?” (Dave Ramsey, 01:52)
• Si’s answer shows classic lack of boundaries: “Like when I feel bad when I lose it.” (Uncle Si, 02:00)
• Group laughs about bad poker habits: "I finally said hey, this is insanity here." (Uncle Si, 02:51)

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2. Hunting Hijinks & Podcasting Life

[03:07 – 05:24]

• Dave reflects on hunting ducks with the Robertsons: “I hunted duck with a dynasty, man… I had a blast.” (Dave Ramsey, 03:08–04:01)
• The crew roasts Jace for calling podcasting “hard work”: “That was my favorite thing. I was like, that’s funny, guys.” (Willie Robertson, 04:59)
• Dave on his own show: “When I do a show, I just walk in there… people call in and ask a question, we don’t know what they’re going to ask… The whole thing is improv.” (Dave Ramsey, 05:20–05:47)

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3. Making (and Losing) Money Young

[07:19 – 09:42]

• Dave recounts his childhood hustle mowing lawns: “I came in one day and said, daddy, I want to go down to the Quicksack, get me an icy. He said, I don’t think you need money. I think you need a job. …Took me down… printed up 500 business cards, said Dave’s Lawns.” (Dave Ramsey, 08:02)
• Uncle Si agrees: “That’s the one thing everybody don’t ask me… In a way I am anti-education. …I had people before me… graduated, went to college, … and guess where they’re working? McDonald’s and Burger King.” (Uncle Si, 09:42)

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4. Generational Gaps, Entitlement, and ‘Doing Hard Things’

[12:32 – 14:05]

• Dave reflects on Gen Z and Millennials: “We’ve got two generations now that have grown up with a magic wand in their hand. Everything’s easy… but the good news is… they really think big… But they’re impatient. They want stuff fast.” (Dave Ramsey, 12:38)
• “Teach your kids to do hard things… Hard things make life good.” (Dave Ramsey, 13:23)
• Si and Dave swap stories about tough, low-paid childhood jobs—and how those built character. “When she broke my heart, the first paycheck… Mama snatches it outta my hand… says, ‘school clothes’...” (Uncle Si, 14:59)

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5. Duck Dynasty’s Sudden Wealth & Family Safeguards

[16:00 – 18:31]

• Si shares how a family member’s oil fortune ruined his life: “He went from poor as a snake to a millionaire… It ruined it.” (Uncle Si, 17:34)
• The family made a “covenant…hey, nobody’s gonna get stupid and run off the reservation in case this thing gets big.” (Uncle Si, 18:21)
• Dave’s perspective: “Enough of anything’s too much.” (Dave Ramsey, 17:22)

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6. Wisdom, Stupidity, and the Heart

[19:07 – 21:55]

• Dave: “We’re really just teaching people how to live their lives well… There’s something about your spirit that has to change for you to live on less than you make.” (Dave Ramsey, 19:07)
• “Money problems aren’t the problem. They’re the symptom.” (Dave Ramsey, 19:36)
• Uncle Si: "I've met a lot of really rich people, and they was miserable. So money cannot make you happy?" (20:12)
  Dave: “No.” (20:26)
• Dave’s lobster lesson: “If you eat enough lobster, it tastes like soap… enough of anything.” (Dave Ramsey, 21:25)
• Uncle Si: “Why can’t you be happy?”
  Dave: “There’s only one place that can hold your hope, and that’s the nail.” (Dave Ramsey, 21:38—meaning faith/spiritual hope)

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7. Integrity, Authenticity, and Public Living

[29:47 – 30:51]

• On public scrutiny as a financial guru:
  “I don’t give it—tell somebody to do an investment unless I’m doing it. …If you’re just one person, it’s a lot easier.” (Dave Ramsey, 29:47)
• “Life’s a lot easier when it’s just a math problem… Input greater than output and you’re going to be all right.” (Dave Ramsey, 30:51)

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8. The Frustration of Giving Good Advice

[31:04 – 33:32]

• Dave describes callers who ignore tough advice:
  “I talked to a lady last week… I said, ‘You need to sell the car’… she says, ‘Let me ask you about my retirement’… You’re not gonna do it, didn’t like that answer.” (Dave Ramsey, 32:03)
• “I’m not calling you stupid. I’m saying what you did was stupid. …The older I get, the fewer of them I do—and I think they start to call that wisdom.” (Dave Ramsey, 18:37)
• “I wish I had that [mute] button for you, Si!” (Dave Ramsey, 33:32)

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9. Teaching Kids about Money and Work

[42:15 – 48:36]

• Dave’s essential parenting formula:
  1. “Kids do as you do, not as you say. More is caught than taught.” (43:03)
  2. Four lessons: “Work, give, spend, and save.” (Dave Ramsey, 43:58)
  3. “Work, get paid. Don’t work, don’t get paid. …no welfare in the Ramsey house.” (Dave Ramsey, 43:58)
  4. Real-life training: Kids get their own clothing budget as teens, match for car savings, manage own checking accounts.
• “Teach your kids to do hard things.” (Dave Ramsey, 49:57)
• “I can do hard things. …You can ask for help… but we don’t say, ‘I can’t’.” (Dave Ramsey, 50:00–50:20)
• Uncle Si: “It’s better if you make them earn it.” (Uncle Si, 51:26)

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10. Perseverance, Failure, and the Road to Wisdom

[37:01 – 38:46]

• Dave’s testimony: Bankruptcy, hard times, and spiritual lessons—“I got the opportunity to start over. …Suffering produces perseverance and perseverance, character…” (Dave Ramsey, 37:01)
• “38 years later, I’m an overnight success. …I remember the part where tears and calluses showed up, but I don’t remember when luck showed up.” (Dave Ramsey, 38:00–38:22)
• “Experience is the best teacher… you overcome something that is hard, you get better.” (Uncle Si, 53:37–53:46)

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Notable Quotes & Memorable Moments

• “I tried to out-earn my stupidity for a long time.” — Dave Ramsey ([07:34])
• “Enough of anything’s too much.” — Dave Ramsey quoting his grandpa ([17:22])
• “Money problems aren’t the problem. They’re the symptom.” — Dave Ramsey ([19:36])
• “I have a PhD in dumb.” — Dave Ramsey ([18:37])
• “Lobster is awesome, but if you eat enough lobster, it tastes like soap.” — Dave Ramsey ([21:25])
• “Teach your kids to do hard things… hard things make life good.” — Dave Ramsey ([13:23])
• “I can do hard things.” — Dave Ramsey ([50:00])
• “There’s only one place that can hold your hope, and that’s the nail.” — Dave Ramsey ([21:38])
• “If you ask somebody and they tell you they've never been stupid, they're a liar.” — Uncle Si ([40:50])

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Timestamps: Important Segments

• Poker, Vice, and Financial Fails — [01:23–03:03]
• Dave’s Childhood Labor Hustle — [08:02–08:54]
• Generational Shift: Entitlement and Doing Hard Things — [12:32–14:05]
• Sudden Wealth: Dangers and Family Covenant — [16:30–18:31]
• Dave on Callers Who Ignore Good Advice — [32:03–33:32]
• Teaching Kids about Money & Work — [42:15–48:36]
• Perseverance, Wisdom, and Red Lobster — [37:01–38:46]; [21:02–21:38]

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Tone & Dynamic

• Signature Duck Commander wit and authenticity throughout: frequent gentle ribbing, tangents about deer blinds, “bologna sandwiches to prime ribs,” and classic Si-isms.
• Dave Ramsey is candid, self-effacing, and direct, never shying away from calling out “stupid” actions but emphasizing redemption and learning.
• Faith and family values thread throughout, often tied into money, work, and happiness.
• The hosts’ humility about their own financial missteps puts listeners at ease, blending wisdom with entertainment.

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Wrap Up

Jason concludes with Joshua 24:15—“As for me and my house, we will serve the Lord”—capture the episode’s spirit: practical wisdom, spiritual grounding, and a commitment to lifting each other up, both in the duck call room and beyond.

Listen for:

• Classic Si stories of $1-an-acre lawn mowing
• Dave’s “overnight success” that took 38 years
• A step-by-step plan for raising money-smart kids
• Lifelong lessons about work, faith, family—and laughter in the face of stupidity

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End of Summary

Transcript

[Dave Ramsey]

Foreign.

[Willie Robertson]

Put your headset on. Let's do a podcast here. We got side warmed up. Now we got a money guru. Hey, guys, welcome back to the duck call room. I said we got your guest host, Willie Robertson. We have a special guest in the house today, none other than Mr. Dave Ramsey.

[Jason]

Welcome, Dave.

[Willie Robertson]

Dave, welcome.

[Dave Ramsey]

Honored to be with y'. All.

[Willie Robertson]

Dave Ramsey. Now, we did a podcast earlier on Unashamed Jason never heard of Dave Ramsey.

[Jason]

What?

[Willie Robertson]

So I just want to make sure.

[Dave Ramsey]

Well, Chase, he's a good guy. He just couldn't get out.

Yeah.

[Uncle Si]

Since Jay. Jay Stanks, he's such the. The money. Money guru here. Yeah.

[Jason]

Oh, yeah.

[Uncle Si]

He don't know.

[Willie Robertson]

He says he's a money guru. But hey, we got the real, real deal this way.

[Dave Ramsey]

Yeah.

[Willie Robertson]

Do you. And we know size got a list of money questions because Uncle Size said you're never too old to learn, especially about cash. And we were talking a little bit about poker, which has probably been one of the biggest. I've got detriments to size money.

[Uncle Si]

Yeah. I've got two vices.

[Willie Robertson]

Okay, what's your.

[Uncle Si]

One of them is poker. The other one is women.

[Jason]

Oh, my goodness.

[Willie Robertson]

Oh, no. You've been married for 70 years.

[Uncle Si]

Well, no, no, you know, I'm with. I'm right with Jesus. Okay. Me and him talk about it all the time.

[Willie Robertson]

It just sounded weird when you.

[Uncle Si]

Well, I'm just saying.

[Willie Robertson]

Okay.

[Uncle Si]

But that's the only two things what will really get me in trouble.

[Willie Robertson]

And that poker.

[Uncle Si]

Hey, not to go too far in poker, right? Well, yeah, I'm not going to lose, but just so much, right?

[Dave Ramsey]

What's your limit? How much. How much is too much?

[Jason]

Hey, he don't. He don't know no limits.

[Dave Ramsey]

Well, I can tell you when. When is it too much?

[Willie Robertson]

Why?

[Uncle Si]

Like when I feel bad when I lose it.

[Dave Ramsey]

Oh, okay. How much is that?

[Uncle Si]

Sometimes we don't know. We don't change. Thousand.

[Dave Ramsey]

It takes a lot for him to feel.

[Uncle Si]

Well, look, we play with a bunch of idiots and hey. And I'm included in.

[Willie Robertson]

Yeah, you're one of them.

[Uncle Si]

Okay.

[Dave Ramsey]

Because, hey, it's a happy band.

They.

[Uncle Si]

Yeah, they don't know what the word F O L D means.

[Willie Robertson]

Right.

[Uncle Si]

Okay. And not only that, I finally. Me and him finally come to our senses. As the Bible says, it was a prodigal son that they. We used to play four card, five card, three toed piece, whatever. All the games, any game that you can risk a lot of money on.

[Dave Ramsey]

Ah.

[Uncle Si]

Well, I just finally said, hey. Now this is. This is insanity here. Because it's. If you split in spit in the pot, that's a bad game to begin with.

[Jason]

So, Dave, you came to town. What y' all do this morning?

[Willie Robertson]

We did a little duck hunting.

[Dave Ramsey]

I hunted duck with a dynasty, man. Yeah, it was a deal. I mean, I got Willie and Sigh and Jace all out there, and I actually only.

[Uncle Si]

Stone.

[Willie Robertson]

Stone.

[Uncle Si]

I had a bad day, too. Day. I only kill one.

[Dave Ramsey]

Did you?

[Uncle Si]

I normally kill about 30 50s percent of them.

[Dave Ramsey]

Okay. All right.

[Jason]

Fix your mic.

[Uncle Si]

What is with it, this mic?

[Jason]

Well, every time you take a drink.

[Uncle Si]

Every time I take.

[Willie Robertson]

Every time you take a drink.

[Uncle Si]

Yes. My hot chocolate is doing it.

[Willie Robertson]

It's his hot chocolate. Yes. Why were you being so quiet today? Did Dave intimidate you?

[Uncle Si]

No, I was. I was trying to figure out. Hear what they was telling him, because this man laughed all morning. This morning. And I looked and I. I was listening, and I said, I ain't heard nothing funny.

[Jason]

Well, you're immune to it.

[Uncle Si]

But he. Well, you must have enjoyed yourself, though.

[Dave Ramsey]

I did. I had a blast. I had a blast.

[Uncle Si]

Jace was doing most of talking. I said, okay, shocker.

[Jason]

Yeah.

[Uncle Si]

Yeah. And I said, jace is blowing smoke. Yeah. And I said, dave don't know it, but that's fine. That's okay.

[Willie Robertson]

And Jason dogging me, saying, I'm not talking. And I'm like, there ain't enough air in this Doug blind to get a word in edgewise.

[Uncle Si]

I think so, yeah. If you have. That's why most of the robbers are still bold, is because when I was growing up, if you didn't scream, no one listened to you. You had to make sure of it.

[Jason]

You better speak up, and you better be interested.

[Uncle Si]

Oh, yeah. Well, have you got something to say?

[Dave Ramsey]

Yeah.

[Willie Robertson]

My favorite thing that happened this morning was Jace was telling Dave how hard it was to do four podcasts a week. And Dave never said a word. He's like, man, I bet that is how many hours.

[Jason]

I mean, oh, my goodness.

[Willie Robertson]

It was my favorite thing that happened. I was like, that's funny, guys.

[Uncle Si]

Never realized what hard work. Jace.

[Willie Robertson]

What he really.

[Uncle Si]

He's. He hadn't realized what. He's forgotten what hard work really is.

[Dave Ramsey]

Yeah.

Well, in his defense, he's actually doing a show where he has to prepare each show.

[Willie Robertson]

Well, that's true.

[Dave Ramsey]

When I do a show, I just walk in there and wait a minute. We start answering the phone call.

[Willie Robertson]

Has it always been like that?

[Dave Ramsey]

Yeah, I've always answered the phone call.

[Willie Robertson]

Yeah.

[Dave Ramsey]

It started as a talk radio show, so no preparation. How can I Prepare. I don't know who's going to call.

[Uncle Si]

Hey, how do you think. Hey, I didn't know it. This is a brother. Because he improvs. Forget the script, boys. Go live.

[Willie Robertson]

Just improv at all.

[Uncle Si]

Improv at all.

[Dave Ramsey]

The whole thing is improv. Yeah. People call in and ask a question, we don't know what they're going to ask. So how do you prepare? 30 years of answering them questions about the only prep we got. So that's.

[Uncle Si]

I know, I know. Just from knowing you shortly, you answered. Your answers were exceptional.

[Dave Ramsey]

Bless your heart. Thank you.

[Uncle Si]

Oh, I'm serious, because, look, it shocked me because my fans, okay? And our fans for this podcast, they come in, they ask all kind of questions. You know, I really just thought I was with a bunch of knuckleheads, but they really impressed me with all the good answers that they gave the fans.

[Dave Ramsey]

Yeah.

[Uncle Si]

I said, I ain't told them. I said, boys, I always thought y' all was just a bunch of stupid knuckleheads. I said, but since we've been doing this podcast, y' all have really impressed me. You know, you actually got good things to tell people that are having trouble with issues.

[Dave Ramsey]

There you go.

[Uncle Si]

Yeah, and that's. I mean, that's rare writing that down because most people blow smoke. Right. Yo. And don't give you anything to really fight what you're fighting.

[Willie Robertson]

Well, I'm sure you've helped in that as well. You've given people.

[Uncle Si]

I was shocked that we all did. Okay. Well, I was in more shock when I give them some.

[Willie Robertson]

Okay.

[Dave Ramsey]

You're.

[Willie Robertson]

Yeah. I was wondering if you were more shocked that.

[Dave Ramsey]

Yeah.

[Jason]

So tell us what's happening. What's going on right now.

[Willie Robertson]

Tell us your whole life.

[Dave Ramsey]

Well, it all began once upon a time.

[Willie Robertson]

Little Baby Dave.

[Dave Ramsey]

Little baby Dave on a.

[Willie Robertson]

Was Little baby Dave tight with money? Like when you were young, were you, like, no budgeting and stuff and.

[Dave Ramsey]

No. I blowing it?

[Uncle Si]

No.

[Dave Ramsey]

I always was good at making money, but I wasn't good at keeping it. So I tried to out earn my stupidity for a long time.

[Uncle Si]

You have.

[Willie Robertson]

I bet a lot of people do that.

[Uncle Si]

Yeah. Oh, you have one of my problems.

[Jason]

Oh, he had one.

[Uncle Si]

What was it? I keep in my bunny.

[Dave Ramsey]

Oh, there it is.

[Uncle Si]

Yeah, that's why I'm with poker. I win it. I can win it faster than anybody that we play with. Okay. And have a good.

[Dave Ramsey]

Gotta leave at the end of the.

[Uncle Si]

Night, but I don't keep it.

[Dave Ramsey]

There you go. There you go.

[Uncle Si]

Yeah.

[Dave Ramsey]

Well, that was it. So, I mean, like, I mean, my dad is old school, come off a farm. Mama did too. And so, you know, I came in one day and said, daddy, I want to go down to the Quicksack, get me an icy. He said, I don't think you need money. I think you need a job. I was 12. Took me down on the main drag down there in Nashville and printed up 500 business cards, said Dave's Lawns. I go knock on 50 doors and get the opportunity to cut these people's, take care of these people's lawn care. Well, I did it. And I got 27 yards to cut at 12 years old. I think they call that child abuse.

[Uncle Si]

With a push more.

[Dave Ramsey]

That's it.

[Uncle Si]

Because hey, that's what I look at today. And when you somebody comes, oh well, you're mean to Mow your yard, Mr. Robinson. Yeah, well, when he told me the price, I said no, get out of here. Well, my wife hired him later.

[Dave Ramsey]

Well, there it is. The only, the only zero turn we had was we turned that push more fast. Yeah, yeah, yeah. So I made me keep a profit and loss statement on my little business. And that's how I learned how to make money and you know, figure out if I was making a profit or not. My so long ago the dinosaurs were roaming the earth. But minimum wage at to be a whopper flopper at Burger King, to go down there and flip Whoppers, right. Was $1.65. And I figured out with a $3 yard that if I could cut it in one hour, I was making about double minimum wage. And so I'm trying, I always try to make more. If I was going to be self employed and work hard, then you make working for somebody. Right. And so that started the whole thing. And then I've been self employed almost my whole life from that. But it was a good lesson. Hard work. Alice's sweat.

[Uncle Si]

That's the one thing everybody don't ask me. You know, you seem like you're anti education Uncle Si. And in a way I am because it's just what you said. I had people before me, that was my friends that had graduated, went to college, had two degrees and guess where they're working.

[Dave Ramsey]

Yeah.

[Uncle Si]

At McDonald's and ham and Burger King.

[Dave Ramsey]

Yeah.

[Uncle Si]

For a dollar 65 an hour.

[Dave Ramsey]

Yep.

[Uncle Si]

And I said, wait a minute, you wasted how many years to get this? And then every time you go for a job interview that what do they always tell you? Oh, we can't use you, you're too educated.

[Willie Robertson]

You said Phil had two degrees. Maybe it's the degree. Maybe they got their degree left handed. Puppetry.

[Uncle Si]

No, no, no. Hey, I've always said, okay, my hat's off to anyone that will go and put up with all the BS technologies.

[Dave Ramsey]

Spew out to get a bs.

[Uncle Si]

Yeah, no.

[Dave Ramsey]

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[Dave Ramsey]

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[Jason]

But I can see the similarities between you two guys, you know, growing up and hustling, you know, just to get it done.

[Dave Ramsey]

So yeah, it makes a difference. And it's, you know, one of the things we need to do. We were talking about it on Chase's podcast a little bit. The we've got two generations now that have grown up with a magic wand in their hand. Yeah, that. Everything's easy.

[Uncle Si]

That's a dangerous thing.

[Dave Ramsey]

Everything's easy. You Just push a button. Stuff shows up on your porch. You push a button, you got the answer to any question. You push a button. Got an easy button. And that's not bad, because the good news is they're abundance thinkers, these two generations. They think anything's possible because anything's possible. And so they really think big. And there's a bunch of them are really good. I got a whole bunch of them working on our team. We got about 700 Gen Zs and millennials on our team. And I love that generation, but they're impatient. They want stuff fast.

[Uncle Si]

Yeah. They're bad about.

[Dave Ramsey]

Want stuff fast. And sometimes people think, sometimes people think when they're impatient that they're being entitled. And they're not really being entitled. They just are used to stuff happening quick. Yeah. And we just have to teach them the way you cook barbecue is not the microwave. You know, I mean, the way stuff happens is slow. Good stuff happens slow. So teach your kids to do hard things was my point. So, like, Daddy taught me to mow that grass. You know, you get a callus on your hand and you know, you don't. You sweat. And you got to make Mr. Carnahan happy and Mrs. Parnell got to get her bushes right. And all that stuff. And once you know how to do that stuff at 12 years old, you do a lot of stuff. Teach your kids how to do hard things. It's not punishment, but hard things make life good.

[Uncle Si]

Well, that's the difference between, like, my childhood generation. Okay. And now.

[Dave Ramsey]

Yeah.

[Uncle Si]

Because I'm like you, you know, Knock on the door, Mama answers it. Come in there. I'm still asleep, you know. You know, the farmer is knocking on door. It's hay hauling time. So he usually got Tommy and Phil to haul. Hey. Well, now they're. They've moved into the higher bracket. They're working for Daddy in the oil field, making more money than what they did Holiday. So I'm not 10 years old. Yep, y'.

[Dave Ramsey]

All.

[Uncle Si]

And this is why I got to have somebody, y'.

[Dave Ramsey]

All.

[Uncle Si]

And Mama said, well, good grief, he ain't 10, Jimmy. Yeah. And he said, Ms. Robson, I'll take care of him like he's my own son.

[Dave Ramsey]

I'm gonna work him like a mule.

[Uncle Si]

Yeah, but I'm gonna work him like.

[Dave Ramsey]

A dog, like a rented mule.

[Uncle Si]

Hey, here I go. And look, yo. When she broke my heart, the first paycheck, I'm. I've already got all these big things. I'm gonna do my paycheck. Well, the first thing Mama does When I get a paycheck, she snatches out of my hand and she says, school.

[Willie Robertson]

Clothes, you gotta pay the man.

[Jason]

Yeah.

[Uncle Si]

You gotta hate, you gotta pay the matter. You gotta understand what's going on.

[Dave Ramsey]

Yeah.

[Uncle Si]

Not only did you pay taxes, but now you're going to buy. You're a working man, you're going to buy. And I got the working man blues. You going to buy your own clothes. And look, kids today don't realize that I mowed five acres for like a dollar an acre with a push more.

[Dave Ramsey]

Yeah, nowadays, hey, you needed an agent.

[Uncle Si]

You got a green in your yard, okay. And they'll charge you $400 to mow it. You know, they make some serious money with this, this you know, lawn care thing. Yeah, it's a big deal. It is a big deal.

[Jason]

One of the things that I learned about sigh when, when Duck Dynasty got big and you know, he pulled me in with him and said, hey, hang, hang out with me. Make sure I don't do anything dumb.

[Uncle Si]

It's one job is to keep me.

[Jason]

From being stinky and I never can do that.

[Willie Robertson]

No.

[Jason]

But I will say that Saad did pretty good with his, with his money and his investments and, and I think it's because early on he learned a lesson from his uncles. Is that your uncles that made the money?

[Uncle Si]

Oh yeah. John Hale.

[Jason]

And what happened?

[Uncle Si]

Well, they film and his family and the brothers, they saved like $20,000 working their tail off in the oil field. And then they suck a whale themselves. You know, they're the owners. Well, they lucky. And it blew top the Turk out. Well, you know, here you got country boys. Redneck country boys. Poor snakes never had any money. Well now they got like anything they want, they got the money for it. And it runs. He run. Ruined John Hell's life. He lost his family, divorce, bankrupt. Because he didn't know what to do with it. So that did that.

[Dave Ramsey]

You know, my grandpa used to say enough of anything's too much.

[Uncle Si]

No, no, just think about it. All redneck.

[Dave Ramsey]

Yeah.

[Uncle Si]

Young man in his early 20s.

[Dave Ramsey]

Yeah.

[Uncle Si]

And he's, he's went from pours a snake. Okay. To a billionaire. A millionaire. He's got all. Well, it ruined it.

[Dave Ramsey]

Yeah, it'll do it.

[Willie Robertson]

That's anybody that's not just rednecks.

[Uncle Si]

Well, no, no, that's another thing the Robertson's impressed me with. Okay. And Al was the reason why your older brother, because he said, hey guys, if this thing makes becomes a big hit, not only is there going to be a lot of money involved well, the devil's going to get involved at. On us, you know. And he was right.

[Dave Ramsey]

Yeah, he's right.

[Uncle Si]

Because he said, hey, look, we need.

[Dave Ramsey]

To make sure you. When you're not bothering anybody, we need.

[Uncle Si]

To make a covenant with each other. Hey, nobody's going to get stupid and run off the reservation in case this thing gets big.

[Jason]

That's one of my favorite things, is when Dave says stupid.

[Uncle Si]

Stupid.

[Jason]

I like that.

[Dave Ramsey]

Well, it's. And I, you know, I've done stupid myself. I've got a PhD in dumb. So people know that I can. I mean, they know what stupid looks like. So it's not. It's not. I'm calling you stupid. I'm saying what you did was stupid. I've done some stupid things. I'm not stupid, but I have done some really stupid things in my life. So with money and everything else. And so the older I get, the fewer of them I do. And I think they start to call that wisdom.

[Jason]

Exactly. What's the best thing about being a financial advisor and what's the worst thing about it?

[Dave Ramsey]

You know, we're really. The weird thing is Jesus said, your treasure is where your heart is. And so what? We end up being more than just some kind of mathematician hocus pocus. Financial advisor is. We're really just teaching people how to live their lives well. And just. This is a clean way to live your life. And so there's something about your spirit that has to change for you to live on less than you make. There's something your spirit has to change to say, no, I can't afford that. To deny yourself. There's something about your spirit and your emotions and your relationships. And all those things are woven into the money. The money. Larry Burkett used to say, money problems are not the problem. They're the symptom. They're the symptom of something else going on. And so we end up working with the real problems because they bring us the symptoms. And so we get to be in their lives in a very, very deep way. And we figured out a long time ago, the way we say it around our place is personal finance is really about 80% behavior. It's only about 20% head knowledge. So it's more about the guy in my mirror. If I can get that guy to behave. He can be skinny and rich, but he's got issues.

[Willie Robertson]

You're skinny and rich?

[Uncle Si]

No. He hit on what I've always wondered about. I've met a lot of really rich people, and they was miserable. So money cannot make you happy?

[Dave Ramsey]

No.

[Uncle Si]

Okay. Because it goes to where you're talking about.

[Dave Ramsey]

Exactly, exactly. Yeah. When I was a little kid in Nashville, back in the 60s and the 70s, there weren't any big time chain restaurants. It was just regular old meet and three type stuff. And then this restaurant came to town over on Murfreesboro Road, about 10 miles from us. And my dad was in the real estate business and he got a commission check and he said, we're going to go out to this new restaurant. And I was 12 years old. I'll never forget it. We went in there and we got lobster with drawn butter. Red Lobster.

[Uncle Si]

I was just excited.

[Dave Ramsey]

Red Lobster with the lobster biscuits. My mouth's watering right now with the free baskets. Only thing I remember about that meal was, I'm going to eat this again. I knew I'm going to do this again. You know what? Just what you said. Size. True. Lobster is awesome, and it's amazing. And I still remember that to this day. But if you eat enough lobster, it tastes like soap. Enough of anything.

[Uncle Si]

I've not acquired a taste.

[Willie Robertson]

I don't know.

[Dave Ramsey]

I mean, you can hear so much of anything.

[Uncle Si]

It is. It's tough.

[Willie Robertson]

But I tell you what. I'm going to go try my best. You'll give it a shot to see if I can? Well, no, no.

[Dave Ramsey]

Because it tastes like you get satiated with anything. If you do it over and over and over again, no matter how nice it is or how good it is, it's not designed to hold your hope. There's only one place that can hold your hope, and that's the nail.

[Willie Robertson]

You've been associated. Hadn't you.

[Uncle Si]

Well, no, no. It loses your lure.

[Dave Ramsey]

Yep, exactly.

[Willie Robertson]

You never.

[Uncle Si]

Because I just. But this is so profound to me because I'd always wondered, you know, you've got all the money in the world, why can't you be happy?

[Willie Robertson]

And there's you talking today personally. Okay.

[Dave Ramsey]

There's people that are happy, too.

[Jason]

Well, that's right.

[Uncle Si]

But it's. It's the reason you're not happy. You're. You hadn't got what I've got.

[Dave Ramsey]

Amen.

[Uncle Si]

And that's the fruit of the Holy Spirit. Me and him talk about it every time we get on the road. Long trip.

[Willie Robertson]

I got to step out. I wanted to introduce you to my friend Dave, who's in town. I'm going to actually go. I'm going to go find somebody who I really feel like needs some financial help. So whoever comes in this.

[Jason]

Wait a minute. Did y' all just get Back from lunch. And who paid for it? I want to know. Did you use your credit card?

[Uncle Si]

Yeah.

[Jason]

Where's the bail at? Of course you're in trouble.

[Willie Robertson]

Well, I left my envelope thing at home, which I had just in case a giant celebrity comes in. Hey, I had $9.50, and then I left it, so I had to use the emergency credit. I pulled the sticker off, called the code in, and I said, awesome.

[Jason]

Here we go.

[Uncle Si]

Get the shovel.

[Willie Robertson]

You don't want no pressure. Pressure is when you lay that credit card down with Big Dave leading that you're going, please go through. Because if he. If that thing gets rejected, in trouble.

[Uncle Si]

Make sure you don't bounce.

[Willie Robertson]

All right, I'm gonna go find somebody that maybe needs some real financial peace.

[Jason]

All right, well.

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[Uncle Si]

I know.

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[Dave Ramsey]

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[Dave Ramsey]

I'm glad I got set up for this.

[Uncle Si]

Wow.

[Dave Ramsey]

How are you?

Good to see you, brother.

Good to see you, man.

You behaving?

As much as I can be good, which is not very much, but we'll. We'll manage. No, I'm glad to be here. I'm glad Willie set me up for needing financial peace.

[Jason]

He's got.

[Dave Ramsey]

If. If you could talk to the guy that pays me, I could probably have more financial.

He's already took off.

I'll get you some of that. If you could. If you could talk him into paying us a living wage, then perhaps we would have financial.

[Uncle Si]

Hey, while ago, Becky come in here and had a bunch of checks. I. I said, hey, finally sign them. Do something. You're good at. My money.

[Dave Ramsey]

Don't you talk no trash to Becky. Now she hands out all the glue.

[Uncle Si]

I was talking.

[Dave Ramsey]

Oh, Willie. Oh, yeah.

[Uncle Si]

I was telling him, hey, one thing you're good at. Sign the check.

[Dave Ramsey]

Yeah. Put your signature somewhere and we'll call it good. But now I was. Yeah. We've jumped around schedules all today, so we let the boss fill in.

[Jason]

So y' all were hunting with Kirk Cameron and his crew, and then Dave was hunting with Sign and the other guys.

[Dave Ramsey]

Yeah. Yeah. So it's been. I don't know. We're just open duck season back, and I. I got in from South Texas late last night, so I'm just.

[Uncle Si]

What was you doing over shooting cranes?

[Jason]

Oh, did you bring any home?

[Uncle Si]

I fixed that'd. You bring something to cook?

[Dave Ramsey]

I didn't say.

[Jason]

Oh, he didn't say he brought some, but we ain't invited to come eat them.

[Uncle Si]

Well, wait a minute. Hold it. Everybody's been screaming about how good.

[Jason]

That's what I'm talking about.

[Dave Ramsey]

I'll feed you, old man.

[Uncle Si]

Okay.

[Dave Ramsey]

And I brought some home with me.

[Uncle Si]

All right. Yeah, no, we'll do that on the podcast.

[Dave Ramsey]

Yeah, okay. Well, yeah, sure.

[Uncle Si]

Hey, we got a grill out here.

[Dave Ramsey]

I don't have that many of them, but we'll. We'll make. Everybody can. If you insist on that method, everybody can get a little.

[Uncle Si]

They'll get a little taste.

[Jason]

I'm okay.

[Uncle Si]

They can actually say, oh, I have the fine ribeye.

[Dave Ramsey]

He is.

[Uncle Si]

And he'll cry.

[Dave Ramsey]

He is good. I'd have more, but we hate some of them while we were there. That's all right. So I love them. More fly. And then about two hours later, they were on a Grill sizzling okay, what about Dave? Did you.

[Jason]

Did you shoot any this morning?

[Dave Ramsey]

Yeah, I killed two.

There you go.

I got one in there and one landed. I think I took the first one.

[Jason]

Shoot it.

[Dave Ramsey]

Yeah.

[Uncle Si]

Somebody say shoot it and boom.

[Dave Ramsey]

I like that. That's good. Dave's a ground swatter. I. Like I said, I knew we were going to get along. That's good.

Doing what I was told.

Amen, buddy. Following.

Following the guide.

Hey, when you trick them to land on the water, shoot them on the water.

[Jason]

I've been. I've been picking Dave's brain, but every time I ask a question, Psy answers it. So I hadn't got everything I wanted yet, but. But I've got a lot from Psy.

[Dave Ramsey]

Has this happened before?

Dave? I know.

[Uncle Si]

I do have one question.

[Dave Ramsey]

No, no, no. You stop.

[Uncle Si]

Okay.

[Jason]

There you go, Martin.

[Dave Ramsey]

Holy. Because I. I want to know.

[Uncle Si]

I'm going to take a hot chocolate.

[Dave Ramsey]

No, I want to know Dave's opinion on your poker problem. Dave, go.

It was. It was already discussed.

Oh, okay. All right. I didn't.

We determined.

I hate I missed that part. I'm going to have to watch the first part to figure out if I.

If I understood the summation of the first section. It was size poker. Problem is Willie.

[Jason]

Bingo.

[Dave Ramsey]

Yeah, that's a good one. That's a. That's a good one.

[Uncle Si]

Problem.

[Dave Ramsey]

Oh, spiritual gift of Willie's size poker envelope would be a lot bigger than them other ones. I say that. It'd have to be a manila one. It had to be one of them with a long.

[Uncle Si]

No, no, I got it. I got on him about that. What? Because I told him we got something about, you know, education, all this other stuff. And Willie got to teasing me again. Poking the bear.

[Dave Ramsey]

Wow.

[Uncle Si]

And I said, well, hey. I said, hey, I don't mind. You get your cut. I said, and I. And I know I have given you a pig cut.

[Dave Ramsey]

Yeah.

[Uncle Si]

And I said, but I don't mind, I said, because I get mine. Yeah, everybody gets it because, hey, you put up with the headaches and I don't.

[Dave Ramsey]

Hey, look, I follow you boys around and the crumbs are good. You could get more, but the crumbs are.

[Uncle Si]

Yeah, like greedy.

[Dave Ramsey]

The crumbs are enough.

[Uncle Si]

Don't get greedy on us, you know.

[Dave Ramsey]

But now what. What do you have Phillips inside been answering everything?

[Jason]

Well, I was. I was actually. I was asking some questions about the best thing and the worst thing about being a financial advisor. And so I got. They will start talking about that a little bit yeah. What's. What's some of the worst things about. I mean, are people watching everything you do and, you know, just checking you out, like you're under a microscope? Do you feel like that ever or not anymore?

[Dave Ramsey]

Yeah, I mean, but I. That's fairly easy because I am who I am. I'm not saying we're doing one thing and then doing another. So I don't give it. Tell somebody to do an investment unless I'm doing it. And so, you know, it's pretty simple. And so, you know, I go into a restaurant and somebody's like, you know, I put my debit card up there, and somebody's like, some stranger will walk by that and says, what is that, Dave? What kind of card is that, Dave? And you think, I mean, I could get away with a lot of stuff, but probably couldn't get away with that. You know, I mean. Yeah, but that's a fun thing. It's just. It's who we are. And we kind of made our living on taking a countercultural stand. Living on less than you make. Hello. Living on a plan, actually getting along with your spouse about money. That's pretty strange. And we actually do the stuff that we teach, and so it's pretty easy. You don't have to remember to be one person in public and one person later. If you're just one person, it's a lot easier.

[Uncle Si]

You can be who you are.

[Dave Ramsey]

Yeah, yeah. All the time.

Life's a lot easier when it's just a math problem.

[Uncle Si]

Yeah, right.

[Dave Ramsey]

I mean, it's not that difficult. Input greater than output and you're going to be all right.

[Uncle Si]

But we use the word stupid in some of the stuff we've said today.

[Jason]

Yeah, yeah, yeah. Just like things.

[Uncle Si]

If any of them came to you for financial advice and you gave it to them and they were stupid and didn't really take your word.

[Dave Ramsey]

Oh, I'd like to answer this for Dave.

Yeah, because we, you know, we're on a. We're like this. We're on a microphone, and we're listening to the call coming in. Like, if we took a call right now, we would only hear it. So you've only got one of your senses using. You're only using audio, and so you can tell when somebody's light bulb is coming on and they're going to go do it or when they're not going to do it. Like, I'll be sitting and talking to somebody. I talked to a lady last week. She called in and she said, you know, here's what's going on. So how much do you owe on your car? $50,000. What do you make, $60,000. I said, well, you know, this math doesn't. Math, honey. You know, this car. This car is stupid. You know, And I don't know how. Who. Who even gave you this? Alone. This is ridiculous. You know, And I said, you know, you need to sell the car. And she says, well, let me ask you about my retirement. Okay.

Ding, ding, ding.

You're not gonna do it.

Didn't like that answer. I'm not gonna do it.

So we're gonna try to switch gears and. No, honey, that's not how we play here. So listen, you're. You're gonna have to sell the car because you're not gonna have any retirement. You're gonna be eating dog food. So you're gonna have to fix this. And this is stupid. And I said, you're not stupid, but the car is stupid. It's in the stupid column. Look it up in the dictionary. You'll see a picture of the car right there. But you could, you know, and everybody listening all over America knows she's not gonna do it.

Yeah.

And I know she's not gonna do it, and she's not gonna do it. That happens every day. But it's almost part of the entertainment value of our show. And then the other side is when someone does go, oh, I thought I was gonna lose my house. I thought I was gonna lose everything. And they call us, and they're hopeless, and you can't. They're choking up, and they can't breathe, and they are crying. And by the time we get off the phone with them, they're like, oh, I could just do those four things and I'll be okay in six months. Like, yeah. So they leave with hope, and you hear their voice change. You hear them sitting up a little taller, Their diaphragm changes. And so we get both, and both are just compelling radio, compelling podcasts. You want to listen to hear not only the entertainment value, somebody's just going to keep doing. You know, you call up and ask. You know, they call or they call up and ask me, and then they start telling me, and I'm like, wait a minute, what are we doing here? Which one are we doing? Are we doing the asking or we're doing the telling?

[Uncle Si]

Yeah.

[Dave Ramsey]

So I, I, you know, I put them on hold, and that means they can still hear, but they can't talk anymore, and I'm going to just move on to the next caller. Right.

I wish I had that button for you.

[Uncle Si]

Hold on, hold on. It was about what we talking about. About while ago, about wisdom. You're wasting. You're wasting. You come to this man is a financial guru and you come to him and then you go stupid when he tells you something, right?

[Jason]

Because what he's telling you, he's giving you gold here. And the proverb, he hurt their feelings.

[Uncle Si]

Is what he done.

[Jason]

Well, that's a good thing sometimes because.

[Uncle Si]

Well, I know, but I'm just saying. Hey.

[Sponsor/Ad Voice]

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[Uncle Si]

Because you're in a great mood today.

[Dave Ramsey]

Yeah, he's ready to go two stepping, son.

[Uncle Si]

I'm good, boys.

[Dave Ramsey]

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[Uncle Si]

Yeah. Oh, what are you talking about?

[Willie Robertson]

Yeah, when Cy puts his boots on.

[Uncle Si]

He walks with a little bit of swagger.

[Dave Ramsey]

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[Uncle Si]

Look, it's just like you don't have anything on. It's so well made. That's how comfortable these boots are.

[Dave Ramsey]

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[Jason]

Okay.

[Dave Ramsey]

At Academy Sports, we're talking academy here, by the way.

[Uncle Si]

He's talking about making a run.

[Dave Ramsey]

Yeah, making a quick run.

He says, I need you to keep spending that money at Academy, by the way, because they pay me. So if you could help me out, I'll help you out, Dave. How about that? I got no advice, though. I think we just keep doing what you.

I think you just got your mention in. Yeah.

[Jason]

You got paid a little extra. What about Proverbs? You were bringing something up.

[Dave Ramsey]

There's a book Andy Stanley did called the Path, the principle of the Path. And it all comes off that proverb that says the simple see danger and continue on. The wise see and are punished for it. The wise see danger and seek refuge. And so that's what happens with these calls is someone calls in and says, look, this is dangerous, but they're going to continue on. And I've been simple, foolish, stupid, whatever you want to call it. But I am not. But I have done things that fall in that category. Same thing with our callers. Sometimes I get the hate mail. You shouldn't call people stupid. I don't call people stupid. I call some of the things they're doing stupid. And that's different.

[Jason]

And that's my favorite part.

[Uncle Si]

Stupid.

[Dave Ramsey]

Yeah.

[Uncle Si]

Okay. And they should have enough common sense. And especially when you get talking about wisdom.

[Dave Ramsey]

I remember when I was going broke, we were losing everything in my late 20s, and I got the opportunity to start over. I was sitting in my recliner in the morning, and Bible opens randomly hit Romans, and it's five. Three says, rejoice in your suffering. And I went, I don't want to.

Yeah, that sounds like fun.

Because suffering. Suffering produces perseverance and perseverance, character. Character.

[Uncle Si]

Hope. Which is a real good sermon on that because I always had trouble with that comment. Well, you're. You're. You'll suffer for Jesus. Yeah, you know, that's. Wait a minute. You know, I really don't want to go that route. I'm like, you.

[Dave Ramsey]

Yeah.

[Jason]

And Dave, is that where you really turned it around?

[Dave Ramsey]

Well, we were at the bottom there, and I, I don't. You know, somebody said, how did you bounce back? And I said, when you fall that far, you don't really bounce. It's more of a splat.

[Jason]

It's not a dead cat bounce. It's just a crawl.

[Dave Ramsey]

Yeah, it.

[Uncle Si]

No, it's like when you fall off a horse.

[Dave Ramsey]

30, 38 years later, I'm an overnight success.

[Uncle Si]

Got to get back on Him.

[Dave Ramsey]

Yeah.

[Uncle Si]

Life, that's the same thing.

[Jason]

Did you hear that sigh? What, 38 years later, he's an overnight success.

[Dave Ramsey]

Yeah. It just all happened one day, right?

And then people say. People say silly things like, you're so lucky.

Yeah. Yeah. Boy, I was lucky.

I missed the part where luck showed up.

[Jason]

It didn't feel.

[Dave Ramsey]

Remember the part where hard work showed up? I remember the part where tears and calluses showed up, but I don't remember when luck showed up. I remember the part when God's blessings showed up and protection showed up. I can point those things very clearly in that 38 years, but I can't. I have trouble landing on exactly when luck showed up.

[Uncle Si]

I'll answer that question for him. Okay. No, it's when I came to my senses.

[Dave Ramsey]

Yep.

[Jason]

That's good.

[Uncle Si]

I tried it my way. You're right, it was rotten. Guess who was in charge? Me.

[Jason]

And you can do that one.

[Uncle Si]

Making the right decision.

[Jason]

You can do that in a spiritual way. You can do that in any walk of your life and in a financial way. Because I've listened to some of your shows, Dave, where I hear, you know, some lady on the phone, she's crying, there's no way out. It seems dark and hopeless. And the next thing you know, like you said, that light bulb goes off and she understands there's a way out, you know, and that's good even for the fans to hear.

[Uncle Si]

That's like your sister, when she.

[Jason]

Yeah.

[Uncle Si]

Met you and disappeared and then come back.

[Jason]

Yeah.

[Uncle Si]

Say, well, okay, I've been. I've been looking for this all my life.

[Jason]

Yeah.

[Uncle Si]

And when I met her, I said, wait a minute.

[Jason]

So. So let me tell Dave.

[Uncle Si]

You tell me that you just been looking for this all your life. Well, then why aren't you moving on it?

[Jason]

Yeah.

[Dave Ramsey]

So.

[Jason]

So I met my sister that I didn't know I had.

[Dave Ramsey]

Oh.

[Jason]

And so, yeah, we got together. It's been great. Her name's Kimberly. She's awesome. And she became a Christian recently because she was looking for something to fill a void.

[Dave Ramsey]

Sure.

[Jason]

You know, that nothing else could feel. And that's exactly what it was. That's what size talked about.

[Uncle Si]

She was looking for the fruits of the spirit.

[Dave Ramsey]

Amen. Pascal's God shaped hole. Yeah. Yeah.

[Uncle Si]

All the good stuff.

[Dave Ramsey]

Yeah. Amen.

[Jason]

Yeah.

[Uncle Si]

And then that's when God started going back to, hey, you don't know Jesus. You don't know doodle squat. And you ain't got doodle squat. Because, hey, without him, you're never going to have self control. Joy Peace, brotherly love, kindness. All the good things. All the good things come from the Almighty. All the bad things that you blame on God. That means Satan himself responsible for that. You and Satan, because you make the wrong decisions. And that's where I was going back to the stupid. No. If you ask somebody and they tell you they've never been stupid, they're a liar.

[Dave Ramsey]

What are you talking about?

[Uncle Si]

I'm feeling it. Their lips are moving.

[Jason]

They're like, you still there, Martin?

[Dave Ramsey]

I'm still an idiot.

[Uncle Si]

Like our politicians, they're lifted, moving and lying.

[Dave Ramsey]

Yeah, I'm still okay.

[Uncle Si]

Because, hey, I've done stupid stuff. And hey, me and him talk about it all the time.

[Dave Ramsey]

I think it's directly correlated with the amount of testosterone you have.

Stupidity.

[Jason]

I don't know. I'm not getting a lot.

[Dave Ramsey]

I feel a little better now that it's starting to wane, that I've hit 44.

Funny you say that. We were just doing a. We just did a bunch of research the other day and one of the recent pieces of research came back. The advantage of being married, that married men live on average seven to nine years longer. And I was talking to the PhD in psychology that works for me that was helping us with this research. He's on there, Dr. John Deloney. I said, why do you. Why do you think that married men live longer? He said, wives keep them from doing stupid stuff.

Yeah. There's a lot of truth to that.

[Uncle Si]

That's true.

[Dave Ramsey]

Yeah. Because if I was still single.

[Uncle Si]

Yeah, yeah. That's. Oh, no. Me and him, when I met him. Oh, when we was younger.

[Dave Ramsey]

Oh, yeah, that's bad.

[Uncle Si]

Both went to hell. Yeah. And I mean quickly.

[Jason]

Is that Martin's fault or your fault?

[Dave Ramsey]

Yeah, no, I'm a. I'm a sucker for peer pressure, especially back then. Not so much anymore, I'll tell you now. I'm good now. But I do like, for me, you know, you never know how often you'll get this opportunity, but. So say you get dealt a ham. Where you got twin three year olds, Dave, what's the best way to set them up for success?

[Jason]

Good question.

[Dave Ramsey]

Not me. Like, you know, I'm just. Because there's. There's a lot of people. A lot of our listeners write in and. And the other reason I asked this, because Godwin just had twin granddaughters. So we. There's. And John Luke's.

John Luke's got him on the way.

Yeah. So there's. Do not drink the water while you're here. Stop and get a bottle of Water don't go out the tap.

I'm in Abraham's category, so I'm out of that. But yeah, Rachel, my daughter and I wrote a book, it was her first bestseller together called Smart Money, Smart Kids, how to Raise Kids to be Money Smart. But it starts with the mom and dad being smart because she said more is caught than taught. How many of us have kids and we've opened our mouth and our dad come out or our mom come out. You're going to do what they do more often than you're going to do what they say or what they taught or whatever. So first thing is for y' all to, if you want them to live on less than they make and be self controlled, we all have to be. If you want them to stay out of debt, y' all have to stay out of debt. If you want them to buy things and save up and pay cash for them, you show them how to do that and you did it. So that's the first thing. Then the second thing is there's basically five things that anybody can do with money. And teaching kids those five things and they're really easy things. And teach them age appropriately. So three year olds, I mean, obviously we're not sending them to the salt mines. Okay, yeah, but first thing is teach kid to work. We've talked about that.

Yep, we do that.

Work is a good thing. It's good for everybody. It gives dignity, it raises confidence levels, it raises everything. And then when they work, pay them. If they don't work, don't pay them. We didn't have allowance at our house, we had commission. You work, you get paid. You don't work, you don't get paid.

I like that.

We don't have welfare. So this is it, this is the deal. And then when I pay them, then I get the opportunity to teach them the other things. And that is I get to teach them to give, love it, to be generous. I get to teach them to save and have a goal that's longer term than Friday because many adults live, thank God it's Friday to, oh God, it's Monday. We call them adults, but we're not real sure. The third thing is that they need to learn to spend and enjoy the money wisely within the framework of staying out of debt and so forth. So it's actually four things. I said five. It's actually four things to teach them to work, give, spend and save age appropriately. So for a three year old, you know what that sounds like? You know, I've got my 4 year old grandson was over at the house with papa Dave the other day. And so we're upstairs in the playroom and Mimi says, time for dinner. And I said, okay, buddy. Elijah, it's time to clean up. And so when me and him clean the toy room, I actually do about 85% of it. Oh, absolutely. But he gets the award of being the best room cleaner in the history of man. Cause he's four. And then I'll give him a dollar and say, you just did good job. He visually emotionally attaches work to money.

[Jason]

You catch?

[Dave Ramsey]

Doing good comes from work.

Oh, man, this ice storm has been wild. And you know what? I've never been more thankful for our friends over at tri tails beef. Because let me tell you something. Their prime and upper choice beef from American cowboys and ranchers got us through. We have ate well even though we have had no power.

[Sponsor/Ad Voice]

First thing when my freezer went out, I came out of the back porch and threw the trails in the yeti baby.

[Dave Ramsey]

I'm on my back porch.

[Willie Robertson]

I might fire it up right now.

[Sponsor/Ad Voice]

I'm kind of hungry.

[Uncle Si]

All right. My buddy cooked me up some the other night. It is superb.

[Dave Ramsey]

Their steaks are aged to perfection and rival any steak you'd get at a steakhouse.

[Uncle Si]

And so good.

[Dave Ramsey]

And they are so good. Look, I love that they're a family business. Look, fifth generation family ranch. Same family still responsible for every box of meat they shoot. Ship to your family. They're still out there raising cattle, chasing calves, packing your order by hand. The marbling's off the chart. And look, if your military veterans are first responders, you get a discount. Trails beef is the real deal. And you're putting something on the table that reflects care, continuity, and something worth passing down. That's what trails beef is all about.

[Sponsor/Ad Voice]

I'd be hungry without them. I've already eaten a couple steaks. I've had some hamburger meat. I'm just out here on the porch cooking everything I got.

[Uncle Si]

Hey, you need to check out trails. Me and my wife have tried it and it is excellent.

[Dave Ramsey]

Go to tribe.com to learn more or order your first try tells box straight from their ranch to your door. That's trybeef.com and you'll even get 10% off your first order. And they're throwing in some free meat for you. Go check it out. That's t rybeef.com duck.

And then by the time they're 13 now, we got a pretty sophisticated thing going. By the time ours were 15, they got their own checking account at 15 years old and they're to manage their own clothing budget. I'd put the money in to buy their clothes, but they got to go buy it. And so you buy one pair of $8,000 sneakers and you got no underwear. Okay, so we're not doing that. So you got, by then, though, you've been teaching them to spend wisely and budget. So by the time they go off to college, then we gave them a set amount of money every month. And the number of times our three children ask for extra money when they're in college, zero. But they had been trained for 18 years before that to live on less than you make. And if you want some more money, let me tell you where you get it. A job. And all three of them worked some in college because they wanted some stuff I wasn't paying for, which is fine. But this is the deal. And you're going to be, you know, you're not getting this funding from the Ramses because if you're misbehaving at school, you're not walking with God. Because as for me and my house, this is his money. We're managing it well. And giving it to someone who's playing beer pong is not managing it well. So you're going to go to class and you're going to be walking with God and you're going to have fun. I want you to have a good time. I want you to meet a good guy, marry him. I want you, you know, so we walk all the way out that way on those four things, age appropriately. And so like for instance, they get ready to buy their first car. That's what they were saving for. Especially by the time they're seven or eight, you start talking about a car because. And we didn't, we told them we're not buying your first car. We will match it. So we had 401 Dave. And so we'll match it. So whatever you save up, we'll put that with it and then you can buy a car. And so we're talking about that. Why am I putting this money in savings? Because if you don't have money in savings, you're gonna have a really nice bike.

Yeah, if you're lucky.

Yeah, yeah.

Them things are expensive too. No, that's cool. I always, Yeah, I mean I was think. Thank the Lord. Was raised by. My mom was a senior vice president of credit union here for 15 something years. So. So finance was taught to us at a very early age. Like you, you, you stayed well below your means. And so, yeah, that's that's the thing.

And you talk about it, but you also live it in front of.

Yeah. Oh, no, there was. Yeah.

Yeah.

I worked from that time. I was eight years old, every Saturday mowing grass, and I missed them. I never. I never got a penny. Like, I never saw anything exchanged, but I also never wanted anything. And that was there. My payment was if I needed a new fishing rod. Okay, you've been working for the past six months. We'll get you a new fishing rod. Like, it was never really a. A thing.

[Jason]

So you knew why you were getting that rod?

[Dave Ramsey]

Because. Oh, I knew it had been working.

No, that's exactly.

There was still a whole tie in. Yeah, absolutely. And so. No, that was. No, I was very thankful for that, you know, looking back on it, because I saw a lot of my friends and even to this day still struggle in that. In that arena that they're doing fine, but you would never know it. I mean, they should be doing fine, but because of choices they make.

We were just saying earlier, teach your kids to do hard things.

Yeah. That's one of our favorite sayings right now, is, I can do hard things. Yeah. They look up and I can. I can't do that. I'm like, no, you can. We don't say, I can. You can ask for help, or you can say, let me try again, but we don't say, I can't. That is. That is what we are in the middle of teaching those little rascals right now. So. Perfect.

Yeah.

You can ask somebody for help or you can try again, but I can't. That's out of there.

No. Discipline seems pleasant at the time, but it yields a harvest of righteousness.

[Jason]

Amen.

[Dave Ramsey]

That sounds like it should be in a book. It is. Oh, man. No, that. Yeah. There's a lot of people out there that, you know, like, my goal when I found out we're having kids is to give them the same or better opportunities that my parents gave me. So, like, it's. You know, you want to do what's right by them, and. And I think there's a lot of people out there, and I know Goblin feels the same way with the. Them little girls that are in the hospital. So.

[Uncle Si]

Because I had a buddy of mine that his kids kind of went off the reservation when they got 15, 16, and all that, and he asked me, what did I do wrong? And I said, well, Don, you had it hard when you was a kid, so you gave them more than you had. I said, it's okay, but it's Better if you make them earn it.

[Dave Ramsey]

Yeah.

No, that's. Yeah.

[Uncle Si]

So he. He. What he said is. Is how to deal with life.

[Jason]

Right.

[Uncle Si]

Yeah. You feel better about yourself because you're. You're. You're making your own way, in a way.

[Jason]

And from a young age, all the way until they were adults, that's what Dave's kids understood.

[Uncle Si]

His job and my job when I had kids. Okay. Was make them the best citizen I could. I could make them.

[Dave Ramsey]

Exactly. Andy. Andrew says, I'm not trying to raise great kids. I'm trying to raise kids that become great adults.

[Uncle Si]

Yeah.

[Dave Ramsey]

It's a different mindset.

Amen.

[Uncle Si]

I looked at it different, you know, because when. And he. He said, you're right when I said, you give them too much. They need to earn. Okay. Because trials and tribulations, it's like you're training your boys. You know, you may have to ask for help, but never give up just because. Oh, no, it's too hard. I can't do it.

[Dave Ramsey]

Yeah.

[Uncle Si]

Ask the friend to help you with it.

[Jason]

Yeah. You love with discipline. And that's the way it was with. With my kids growing up. I mean, we were always in training and we were teaching, and, you know, they had discipline, and that's the way it is currently.

[Dave Ramsey]

Like, if they ask for a snack now, they have to do something to get the snack. All right, go pick your cars up.

[Uncle Si]

I said the reason I failed in college was I was immature. I didn't get some of the things.

[Jason]

He was talking about, what they were saying.

[Uncle Si]

Yeah, no. Dad and mom, they did. They did a great job.

[Dave Ramsey]

Yeah.

[Uncle Si]

Okay. But no, you know, when you have kids, this is a new. Whole new ball game.

[Dave Ramsey]

Oh, yeah.

[Uncle Si]

You know what? You know, have no idea what to do.

[Dave Ramsey]

Oh, yeah.

[Uncle Si]

So it's. It's fly by the seat of your pants and do the best you can do.

[Jason]

And sides like this, no matter if it's spiritual or financial or other things in life, you're never too old to learn.

[Uncle Si]

Yeah.

[Jason]

You know?

[Uncle Si]

Yeah.

[Dave Ramsey]

And you always hope that it doesn't take somebody hitting rock bottom to learn, but a lot of times it helps. We have. And not just hit it. We got to bounce a couple of times. You know that splat he was talking about? You kind of got to kid when you hit it because they're.

[Uncle Si]

Every time you overcome something that is hard, you. You get better.

[Dave Ramsey]

Yeah, Absolutely.

[Uncle Si]

Okay. That's your life's lessons. I always say experience is the best teacher. Well, yeah, it's the basic teacher, because you're involved in It.

[Dave Ramsey]

Yeah.

[Uncle Si]

And, hey, it made you. Well, I don't want to make a. Like Willie, for example. Being poor made Willie the person he is.

[Dave Ramsey]

Okay, we're saying that's good.

Yeah. I'm trying to figure out, is this a positive or.

[Uncle Si]

Well, no, no.

[Dave Ramsey]

He's just making some questionable choices with these. He really seems like he's been watching Big Brother with as much. He wearing his vest now, so. And I think it's to camouflage some things, but, you know, it is what it is. You know, it can push you both ways. Willie, if you're listening, you can be rich and skinny. Yeah. Set me up, yo.

[Uncle Si]

It gives you.

[Dave Ramsey]

I get the.

I get the second half of this.

[Uncle Si]

Okay. Hey, I'll tell you this way, you know, your motivating factors play a big role in who you are, because I can watch a kid for a couple of weeks, and I can tell you what. What he's going to spend his money on, his time, and what he's gonna put his trust in.

[Dave Ramsey]

You want to watch my kids for a couple.

[Uncle Si]

Well, no, no, I'll let you. And don't.

[Jason]

Don't do it. I'm saying don't do it to say.

[Uncle Si]

I was fixing to say, hey, look at this.

[Dave Ramsey]

I'll let you know.

[Uncle Si]

Look. Hey, look at Jason Robertson. I didn't do too good with him.

[Dave Ramsey]

Yeah.

Never mind. We're good. I'll keep doing what we do. It'll be all right. No, it's fine. But. Oh, no, Dave, I appreciate you sitting down with us.

Well, thank you. Thanks for having me, guys.

As everybody else here views us, the peasants over here in the duck call room.

[Jason]

That's right. Yeah, We're.

[Dave Ramsey]

We're kind of the. Yeah. I don't know what we are, but we. We operate.

[Jason]

But we have more fun than that podcast you were just on.

[Uncle Si]

We.

[Dave Ramsey]

We laugh a lot more. That's for sure. We try to keep it light. And I'll say this. Thank you for changing people's lives for the better. Man. That is. You know, we all. When you start out on this earth, that's all you ever want to be right, is positive impact for other people. And you have successfully done that. Um, and that is really cool. And I mean, you know, talking about that made me laugh. And you're talking about Red Lobster because, like, you just. I mean, I remember when Red Lobster came here, I was like, oh, restaurants, you can go get lobster. Like, that's the world's biggest crawfish. What are we doing?

[Uncle Si]

No, no, look, when he brought it up, I wanted to say that they always asked, what was the major issue that changed in your life when Duck Dynasty arrived? And I said, hey, we went from bologna sandwiches, prime ribs.

[Dave Ramsey]

We got off in Vienna sauce.

[Uncle Si]

Yeah. We got off in bana sausages, all this stuff, you know? And then, like. And, like, I remember, like, it was yesterday.

[Dave Ramsey]

I hate to tell you. I'm still okay.

[Uncle Si]

Just from time to time, the menu changed drastically.

[Dave Ramsey]

Yeah.

[Uncle Si]

And it was. It was earth shattering. Something you remember for a lifetime. Yeah.

[Dave Ramsey]

Yeah. That's a big deal.

Yeah.

Well, thanks for having me, guys. Wanted to be with y'. All.

[Jason]

Thank you for being on the show. I've got a. A verse. I got this from a friend of mine, and it's a famous declaration from the Bible. It's in Joshua 24:15. As for me and my house, we will serve the Lord.

[Dave Ramsey]

Yeah.

[Jason]

So thanks, Dave, for being on here. We really enjoyed it.

[Dave Ramsey]

Yeah.

Thank you so much. We'll see y' all next time right here in the duck call room. We're.