Live from Anaheim: The Ramsey Show on Tour

Summary

Podcast Summary: The Ramsey Show – Live from Anaheim: The Ramsey Show on Tour

Date: June 12, 2026
Hosts: Ken Coleman, George Campbell, Rachel Cruze
Location: Seal Beach, California (Ramsey Show on Tour)

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Overview: Main Theme & Purpose

This special “Ramsey Show On Tour” episode, recorded live in Anaheim before a vibrant crowd, epitomizes the Ramsey Network’s ethos: that anyone can build wealth and regain control over their lives, regardless of past financial mistakes. Hosted by Ken Coleman, George Campbell, and Rachel Cruze, the episode blends in-depth, real-time financial coaching with audience participation, humor, candid personal stories, and practical money-management wisdom. Topics range from managing money and relationships, to navigating family legacies and inheritance, combating loneliness, setting boundaries, and celebrating debt freedom.

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Key Discussion Points & Insights

1. Money and Marriage: Navigating Different Values

• Couple’s Dilemma: Mary and Chris, soon to be married, struggle to unite their finances because Mary values saving time, while Chris, shaped by his military discipline, values saving money.
• Core Advice:
  • Rachel Cruze: “You’re going to be opposites…His strengths are not my strengths. And there’s something really beautiful of what he brings that actually is very helpful to me…If it wasn’t for Winston, I probably would be broke.” (03:17)
  • Ken Coleman: “In two months, you’re going to be a husband 24 hours a day. And I would say that takes precedence…” (07:38)
• Emphasis: Compromise is necessary; learning to value each other's perspectives will strengthen the partnership.

2. Family, Boundaries, and Rental Property Management

• Situation: Sal struggles to raise family members’ rent in inherited properties, facing resistance and feelings of guilt.
• Audience Reaction: Outrage at tenants paying only $500/month for decades.
• Advice:
  • Rachel Cruze: “A timeframe…You could say, ‘By August of this year, this is what we’re going to need for this to continue forward.’” (13:16)
  • Ken Coleman: “By not putting your foot down, you’re being a bad steward on top of enabling this entitlement.” (15:21)
• Role Play: Rachel demonstrates how to have hard conversations with family about rent hikes, balancing grace and firmness. (17:12)

3. Divorce, Loneliness, and the Power of Community

• Story: Tony shares the pain of a marital breakup, loneliness, and feeling distanced from his kids.
• Host Support:
  • George Campbell rallies the single men in the audience to connect with Tony, underlining the need for community: “Loneliness kills. And what I love about the Ramsey Tribe…shared values through shared experiences, shared failures.” (24:25)
• Financial Reset: Tony is working through Baby Step 1, receiving affirmation that his financial future is tied closely to his healing.

4. Combining Finances Without Arguments

• Topic: Couples learning to “combine finances without combining arguments.”
• Key Insight: Recognize and appreciate differences; use empathy; apply research showing spending money to buy time can create happiness (Rachel shares Arthur Brooks’ research, 04:43).

5. Inheriting Wealth - Preparing the Next Generation

• Question: Jennifer asks how to structure an inheritance to keep nephews/nieces from squandering it.
• Guidance:
  • Stipulations in trusts (e.g. require Financial Peace University, delay full inheritance until age milestones).
  • Rachel Cruze: “You want to have those steady conversations…You wouldn’t just hand the keys to a Ferrari.”
  • George Campbell: Suggests a heartfelt video to heirs about values and intentions (61:34).

6. Career Transitions and Workplace Negotiations

• Coaching: Sherry, a single mom, asks when to request a pay raise after a job change.
• Ken’s Formula: “The way to ask for a raise is not to ask for a raise…ask for a growth plan with measurable steps. Never use the word ‘deserve.’” (90:52)
• Advice: Address promised benefits promptly; look elsewhere if the workplace isn’t honorable.

7. Relationship Strain in Entrepreneurship

• Issue: Balancing ambition with spousal resentment as one partner pursues side business.
• Ken Coleman: “I wonder if he resents your activity…Because he doesn’t have it. And every time he sees you hustling, it reminds him that he’s stuck.” (83:57)
• Hosts stress: Need for direct communication, shared calendar, and possibly therapy.

8. Audience Q&A: Real-Life Money Mistakes & Stories

• Frugal Antics:
  • Young man showers at Planet Fitness to save on his water bill — awarded the “Frugal Camel Award” for extreme thrift (37:25).
• Stupid Tax:
  • Edward regrets leasing a new car when his old one was just fine; “I went back trying to give them back the car…and realized the stupid move I had made.” (39:12)
• Red Flag Relationship:
  • Bri reveals, “He got a girl pregnant while we were together. Red flag.” (41:24)
• Craziest Debt-Free Tactics:
  • Lisa’s Walmart price-matching; Tatiana donates plasma for travel money (44:38).
• Impulse Purchases:
  • Man in Monaco buys a $3,000 Louis Vuitton duffel before proposing (72:33).
• Scam Victims:
  • Ticketmaster scam through a fake Google listing (70:33).
• Loaned Money Gone Wrong:
  • Tony’s “comedian” friend borrows $600, never repays after multiple excuses (74:43).

9. Group Debt-Free Scream: Celebration

• Tally: In the last 12 months, the audience had paid off a collective $2,747,000 in debt.
• Uplifting Moment: Hosts lead a “debt free scream” with the crowd. (98:13)

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Notable Quotes & Memorable Moments

• On Empathy in Marriage:
  “That empathy card is really big. That really can lead to...a level of respect.” – Rachel Cruze (04:22)
• On the Value of Community:
  “Loneliness kills. And what I love about the Ramsey Tribe…shared values through shared experiences, shared failures.” – George Campbell (24:25)
• On Boundaries with Entitled Family:
  “You have to control you. Be a good manager of what your dad’s built.” – Rachel Cruze (16:55)
• On Inheritance:
  “You wouldn’t just hand the keys to a Ferrari to a kid and just be like, here, have fun. You want to have those steady conversations.” – Rachel Cruze (61:57)
• On Haters and Flaunting Wealth:
  “Sorry, Jonathan, we’re going into summer months and I might post a picture of my family in the pool so you can unfollow me. Totally fine.” – Rachel Cruze response to social media criticism (55:19)
• On the Purpose of Wealth:
  “If you live like no one else, later you can live and give like no one else.” – George Campbell (100:49)
• On Belief in the Audience:
  “We believe in you. We do what we do because we know it matters. And we believe in you. Know that from the bottom of our hearts.” – George Campbell (103:19)

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Key Audience Segments (Timestamps)

• Money & Relationship Tension (Mary & Chris): 01:54–09:35
• Family Rental Property Conflict (Sal): 10:04–19:33
• Divorce & Loneliness Support (Tony): 20:08–25:53
• Discussion on Arguments in Marriage: 26:07–32:19
• Inheritance Planning (Jennifer): 57:10–62:59
• Entrepreneurship & Marriage Resentment: 81:04–87:48
• Career/Pay Negotiation (Sherry): 88:05–94:20
• Debt-Free Scream & Celebration: 94:29–98:13

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Podcast Tone and Takeaways

• Tone: Warm, humorous, practical, frank, with a strong sense of community and camaraderie. The hosts oscillate between serious, actionable advice and lively, often self-deprecating banter.
• Final Takeaways: The Ramsey Show reinforces that financial peace is attainable for anyone, but it requires honesty, discipline, communication, and a willingness to engage with others. Community plays a crucial role in both debt payoff and personal growth. Celebrating successes—big or small—fuels the journey, while personal stories provide a roadmap for others.

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This episode is a must-listen for anyone needing inspiration, practical tools, and hope that financial transformation and peace are possible in every walk of life.

Transcript

[Ken Coleman]

What is the most ethically questionable thing that you have done to save money?

[Mary]

I got this 24 hour Planet Fitness membership. And they've got showers.

[George Campbell]

This is to save on your water bill.

[Ken Coleman]

You go to the gym every single day?

[Mary]

I go three times a week.

[Ken Coleman]

And you're good with him showering three times a week? Yeah.

[Mary]

When will the Ramsey dating app.

[George Campbell]

Ron, describe your dream lady?

[Ken Coleman]

Not in public. Oh, wow.

[Sal]

Helping my parents with their estate, a few properties and family as tenants. They were paying $500 a month.

[George Campbell]

Dude, this crowd's gonna start throwing stuff.

[Ken Coleman]

I'll pay 600. 600.

[George Campbell]

Bob, what was the last argument you had with your spouse?

[Ken Coleman]

Here's the truth. I never know when my wife's mad at me. I say I'm sorry every day. Just sort of COVID the sins.

[Rachel Cruz]

We are trying to combine finances without combining arguments.

[George Campbell]

You're probably not gonna go for this, but it last swing on the tour. Normal is broke and common sense is weird. So we're here to help you transform your life. From the Ramsey Network, brought to you by Fair Winds Credit Union. Live from Seal Beach, California, this is the Ramsey show. Alongside George Campbell and Rachel Cruz. I'm Ken Coleman. So excited. For those of you that are watching, wherever you are, however you're watching, we're so excited that you're here. Fabulous crowd in this lovely old theater. We're gonna get right to it. Starting us off tonight, we are gonna go to Mary. Hi, Mary.

[Rachel Cruz]

Hi. How are you guys?

[Mary]

Good.

[George Campbell]

What's your question?

[Mary]

My name is Mary and this is Chris.

[Ken Coleman]

Chris.

[Rachel Cruz]

He's in the military and has been debt free. And I became debt free because of you guys. Especially George.

[Ken Coleman]

Thank you, George.

[Rachel Cruz]

Shout out. George Campbell.

[Ken Coleman]

Well, I didn't do any of the work, but I will take all the credit. Thank you.

[Rachel Cruz]

You're welcome. So I dragged him here for reinforcement. We are getting married in church in two months.

[George Campbell]

Congrats. Thanks.

[Rachel Cruz]

And we don't always agree on money, especially when it comes to spending. For, for instance, he values saving money more and I value saving time. From small decisions like that to big decisions like applying for a VA loan.

[Mary]

How do we handle money as one

[Rachel Cruz]

team when we think differently? Because we are trying to combine finances without combining arguments. Well. Beautiful.

[George Campbell]

I gotta tell you, that is beautiful. I feel like I saw a financial Hallmark card.

[Rachel Cruz]

So poetic.

[George Campbell]

And before we dive in, I want to say to Chris, thank you for serving our country. You're a great American.

[Sal]

Thank you.

[George Campbell]

It's been an honor. Thank you, sir.

[Rachel Cruz]

Yeah, I mean, it's a great Question. And what I would say is, you're going to be opposites. Okay. Of how you're wired. Your tendencies, your personality. You're going to be different. And I think what ends up happening with so many couples is that that difference ends up being the thing that you end up butting heads with. So a couple of things. Cause my husband, Winston, I. Same thing. I'm the spender. I'm you, 100%. He's the saver. Like, it's the same conversations. But what I have found, and I've only been married 16 years, so Ken probably has more. Has more marriage experience. So he could probably speak into this.

[George Campbell]

It's a really nice way of saying. Ken's much older than me.

[Rachel Cruz]

Him and Stacey have been married longer. But what I have found that I wish I had done earlier in those conversations with Winston and is that he brings something to the table that I don't have. His strengths are not my strengths. And there's something really beautiful of what he brings that actually is very helpful to me. And instead of fighting against it. Cause it's not my natural bent. I've actually started to see it more as a gift. I mean, honestly, if it wasn't for Winston, I probably would be broke. It's been everything.

[George Campbell]

But you'd have great shoes.

[Rachel Cruz]

I would. And if it wasn't for me, he'd have no fun. So it's great. We balance each other out. It's fine. But so seeing it as a gift, and then if there's the level of empathy of getting into his shoes and him get into your shoes and understand how you grew up again, your personality, how you're wired, like, all of that plays in. And that empathy card is really big. That really can lead to, I think, a level of respect, of understanding. This is where you come from. But I am gonna say this to you as the spender. This is gonna be a little bit a nick on Chris. Sorry, but Arthur Brooks talks about five things you can do with money. And only one of them, four, can actually bring happiness. One of them does not bring happiness, which is just buying stuff. But one of the four that actually can bring a level of happiness in your life is spending money to get your time back. And so they have found that. So take that.

[Ken Coleman]

It's science, Chris.

[Rachel Cruz]

I know. So when I heard that, I was like, you know what? It's not a bad way to spend it. Right? You're not being frivolous with it.

[George Campbell]

Give us an example of one of those. I'm glad Rachel brought this up because I was thinking, give us a real moment of tension, if you can, where you wanted to spend money to have a little bit more time. And Chris was like, I don't like that.

[Mary]

So, for example, everybody knows nobody wants

[Rachel Cruz]

to go to LAX. So he would rather save $100 to fly from LAX when I am willing to spend more than $100 to fly

[Mary]

from Ontario, which is 30 minutes away from.

[Rachel Cruz]

From us, versus an hour plus away going to LA. So it's just the time versus.

[George Campbell]

Well, I got to tell you, you hit a nerve. The ent. Like, she's right. People were like, take a love offering. Can we have an altar call? Amen. I mean, it was like, I saw it in the room. Okay, so let's have some fun. Chris, do you understand where she's coming from? You don't have to agree, but I wonder if you understand that. I do understand.

[Ken Coleman]

I just.

[George Campbell]

I think I see it from a different perspective. What's your perspective? Well, in the army, I'm a soldier 24 hours a day.

[Ken Coleman]

So whether I'm, you know, standing at

[Rachel Cruz]

attention or just, you know, working hard or.

[Ken Coleman]

Or what have you, you know, I.

[George Campbell]

I'm still getting paid to.

[Ken Coleman]

To.

[George Campbell]

To be a soldier. So if I've got to wait a

[Ken Coleman]

little bit longer in a line or

[George Campbell]

get stuck in traffic, it's no big deal to me. I do it all the time. Okay, now my friend, and you two can weigh in. But I. I'm picking up on something. I totally get that, but I am completely a convenience monster. All right? So I totally get your point of view, and that's me and my wife. I would pay more money to make life easier, like, every time. But I think what you're going to have to do is realize you've been conditioned that way, too. And you're going to have. You're both going to have to figure out a way. What's the middle ground. But, Chris, you're a great man and again, a great patriot. But you're going to have to understand that very few people, and I mean very few people have your kind of constitution and your discipline because of who you are and how you've been trained. Do you understand what I'm saying? I think that's fair to say. Yeah, yeah, yeah.

[Rachel Cruz]

It's a high bar.

[George Campbell]

It's a high bar. You know what I mean? What are you guys thinking?

[Ken Coleman]

Well, I think in two months, you're going to be a husband 24 hours a day. And I would say that takes precedence.

[Rachel Cruz]

There's a hallmark Card.

[Ken Coleman]

Listen, outside of a relationship with God, I'm going to go. Wife is coming next. And therefore, you know, you can let go of some of the things you want. And I had to do this, too, because I'm like, chris, I will listen. My wife had a connecting flight to go see the Backstreet Boys, and they gave me the hardest time. Like, you didn't send her direct. I was like, it was $200 more.

[Rachel Cruz]

There's like five Southwest flights from Nashville to Vegas.

[Ken Coleman]

And he made Whitney connect.

[Rachel Cruz]

I was like, oh, dear Lord.

[Ken Coleman]

I said, you know what? This is what she values. And therefore, I'm going to put my money to make my wife's life easier, which, by the way, is kind of the reason we get married. We don't get married to make our lives more difficult. We want this to be a partnership where life is more joyful, it's more fun, it's easier in a lot of ways because we're willing to serve the other person, even if it's not how we would want to be served. And so I think there is some compromise here, and I think this tension, you need to learn how to live in it versus avoid it or somebody wins.

[George Campbell]

That's exactly right. So I'm going to throw something out there. This is just a conversation piece. I'm not telling you this is how you should do this, but I think a conversation is okay.

[Ken Coleman]

I heard.

[George Campbell]

Heard you tonight. You both have to say that to each other. I heard you. And I think what you got to go is. All right, Chris, if she wants to spend more money, okay. To fly out of Ontario, then you go. All right, I'll meet you on that one. And then you're going to have to meet him somewhere else. You understand what I'm saying? This is give and take, and I think that's the key. So figure out where those values are super important, and then go. We're going to give each other grace and we're going to compromise. No one in a marriage gets it all the way they want, especially dudes, Chris, you know what I mean? Stacy tells me all the time what I want to do, and I've.

[Ken Coleman]

Ken had no idea what he wanted to do until Stacy came along.

[George Campbell]

It's really true. So I've learned to love it, you know? So there you go. Hey, give them some love. That was great.

[Ken Coleman]

Thank you, guys. Congrats. On the wedding.

[Mary]

See you in chilcote.

[Rachel Cruz]

I do want to say to you, Mary, though, he's going to take really good care of you. He's going to be a great husband. He really will.

[George Campbell]

Hey, can I do something fun here? I have the spiritual gift of giving away Dave's stuff. Come on down, Chris. I've got a little bottle of. What do we have here? A little Prosecco. You guys need to get together on this. All right? Crack this open. Yeah. And that's on us. You know, it's two little pores. But you guys need to talk this over. Okay? That's the deal.

[Rachel Cruz]

I need a little more than that.

[Ken Coleman]

Glad you said it's on us.

[George Campbell]

Well, it was the last stop on the tour. We've run out of cash, you know what I mean? So we had to get the little bottle. I kid. All right, up next, please give a warm welcome to. Sal. Where are you, Sal? There he comes. Okay, Sal, where are you from?

[Sal]

I'm from Southern California.

[Tony]

Okay, great.

[George Campbell]

What's your question?

[Sal]

So I'm helping my parents with their estate. My dad's 89. He worked till he was 70. And he has a few properties and family, his tenants. And I'm trying to manage bringing the rent up to market rate, what it would be. They've just been accustomed to my dad subsidizing their rent because my family situation, my uncle that passed away and my aunt that passed away, so I'm getting a lot of pushback from one of my cousins and that they don't want to pay more rent. And so it's, you know, trying to. After the house needs a roof, it needs paint. After taxes, after insurance, like, you know, they're breaking even. And so they're just having difficulty understanding that part.

[Rachel Cruz]

So any question, is this your dad's properties, you said?

[Sal]

Yes.

[Rachel Cruz]

And you're just managing them?

[George Campbell]

Yes.

[Rachel Cruz]

What are his wishes? Is it to be as is how it's always been, or does he want you to manage it a little differently to tighten everything up?

[Sal]

He actually was throwing his hands up and said if we lose the property, lose the property. Because he'd been gotten frustrated to the point where he's just paying for them to live. So I kind of spearheaded, put them on month to month lease agreements, said hi. Apparently they had a background that they hadn't paid my dad, so just kind of help him clean it up.

[George Campbell]

So he's fed up with them?

[Sal]

Yeah, he's, he's, you know, he's older. He's 89. He's actually has lew body dementia, so. Yeah. So.

[George Campbell]

Well, what's the difference between his emotion and your emotion? How do you feel about kicking them out?

[Sal]

I'm. You know

[George Campbell]

there's a difference. I know. I want you to say it.

[Sal]

Well, I think it's, you know, they've. He's. He's a patriarch. He's done so much for them, carried them, like, for so much, you know, a good part of their life. And one side of the family, my cousin Gina, she's fine paying more rent. Understands, like, they understand that, you know, he's taken so much burden on and just taking care of them so much, but there's just this family that just doesn't understand the concept of what the cost is of living and.

[George Campbell]

No, I get it. You sound like a politician on a Sunday morning show.

[Sal]

Yeah.

[George Campbell]

How do you feel?

[Sal]

How do I feel? It's. It's upsetting. It's, you know, if they don't want it, I mean, the reality is that it was a family venture. If they don't like it, they can move out. I mean, they got to get first month's rent, second month's rent, or last month's rent, security deposit.

[George Campbell]

You think they feel that from you? That they know how serious you are?

[Sal]

I think they're getting it, but it needs to be like, hey, if you don't like it, I mean, the door's right there, right?

[George Campbell]

They're getting it. They're just not gonna do anything until you put your foot down is what I think. So does the audience.

[Sal]

Yeah.

[Rachel Cruz]

So, yeah, I think a timeframe, you know what I mean? And you can give some grace. They're family. So you could say, if it was someone else, it'd be like, next month. Sorry. So you can say, hey, buy by August of this year. This is what we're gonna need in order for this to continue forward, you know what I mean? Like, to have some language in there. That's pretty black and white. And so the boundaries set because of that date. And I think what's frustrating, too, I would assume I'm putting myself in your shoes is just. It feels like the lack of gratitude of what your dad's done. And you're kinda like, man, I wish you guys would appreciate, you know what I mean? Have some level of humility in it. And there's none of that.

[Sal]

So they were paying $500.

[George Campbell]

Dude, this crowd's going to start throwing stuff.

[Ken Coleman]

I'll pay 600. 600, Bob.

[Sal]

So they were, they were paying $5 a month forever. And then like four months behind on 500.

[Rachel Cruz]

How long have they been in it for?

[Sal]

Probably 20 something years.

[Rachel Cruz]

Okay.

[George Campbell]

Dude, you stood up tonight to get permission, didn't you? No, I'm serious.

[Sal]

Well, I went from 500 to 17 and I'm like, hey, you know, they got to pay more and it's family and all these different things and, you know, they're getting pushed back for the. I'm just asking for two grand for, you know, it's a two bedroom, one and a half bathroom.

[George Campbell]

No, I know. We've already talked in circles about this. I'm asking, did you stand up to get. We can't give you permission, but is that what you were looking for? Like, am I a jerk for holding them accountable? Is that what you're wanting to know tonight?

[Sal]

Maybe. I guess. I guess more of like, you know, is there a tactful way or do I just say, hey, you know, thought

[George Campbell]

Rachel just gave it to you. Yeah, you can't be tactful with these people. I think Rachel is much nicer than I would have been.

[Rachel Cruz]

Yeah, well, it's been 20 plus years.

[Sal]

Yeah.

[George Campbell]

Precisely where they've ripped your dad off.

[Sal]

Yeah, absolutely.

[George Campbell]

I think she's being very nice, but I like her approach. Yeah, but it's clear. Hey, guys, I don't care for cousins. I don't care. This is how it is.

[Ken Coleman]

I'm doing this for dad. There's no relationship here anymore.

[Sal]

No, it's, it's, you know, they want to sit down and have a discussion of what they want to happen.

[George Campbell]

So they want to manipulate you.

[Sal]

Yeah.

[George Campbell]

And they're, by the way, they've been doing a good job.

[Sal]

No.

[Ken Coleman]

And they know that. Oh, we can get past him. He's going to be a doormat once again and he has been for 20 years. Now you need to change the tune and say, hey, listen, for 20 years you guys have taken advantage of my father's generosity and kindness, and now it's my job to manage this wealth. You're a steward of these properties and by not putting your foot down, you're being a bad steward on top of enabling this entitlement.

[Sal]

Yeah, because I just helped my dad and my parents the last year and that's when I got them on the month to month, put them at 1700 and now I'll bring it over to 2000. As far as I'm concerned, there should be like three. They should pay market value and you know, or leave the property. We can improve it and then you know what market value is. And just to put the money back,

[George Campbell]

I got an idea. You're probably not going to go for this, but it's the last swing on the tour. How would you feel about getting one of the cousins on speakerphone right now. And just tell them now we'll all be quiet, won't we?

[Ken Coleman]

Don't ruin it.

[George Campbell]

This is like cutting up a credit card in the old school days. You call up what's one of the cousins name, give me the most honoring.

[Ken Coleman]

You got a Vinnie? Is there a Vinnie?

[Sal]

Yeah, there's a Brenda.

[George Campbell]

Brenda's a problem.

[Rachel Cruz]

I'm scared.

[Sal]

Oh, no, she's. I actually.

[George Campbell]

I got it.

[Sal]

I was in line coming in. I tried to call her and she wouldn't pick up.

[Ken Coleman]

So yeah, awkward landlord calling.

[George Campbell]

But here's the deal. Everybody in this room knows that Brenda needs to hear the truth.

[Sal]

Yeah. They're just living on a different.

[George Campbell]

Yeah, man. So no more. We can't talk about it anymore. You know what you got to do. Yeah. Yeah.

[Rachel Cruz]

You can't control them and what their planet they're living on. You control you. And be a good manager of what your dad's built.

[George Campbell]

Rachel, lay it out for him. I think he wants it. If you're in charge of him on this deal. How many months do you give? What's the terms to Brenda? You role play. Brenda's on the phone. What do you say? This is gonna be great.

[Rachel Cruz]

Hey, Brenda. Hope you're having a good day.

[Sal]

It's about to change.

[George Campbell]

This is perfect. This is great.

[Audience Member / Guest]

Yeah.

[Rachel Cruz]

Well, what I would say. Hey, here's the deal. I have probably not taken my role seriously enough. And I haven't loved my dad well enough to step into really hard conversations. And so this is gonna be a hard conversation. Brenda and I pulled comps from the area. Average comp for a rental with a two bedroom, one bath is looking about three grand. So that's what we're going to start charging now. We're going to start that. We're going to start charging that in September. So you guys have five. I can do math. Five months. Six months, September. Well, I don't know.

[Mary]

I'm just.

[Rachel Cruz]

Brenda is scaring me.

[Mary]

Okay.

[Rachel Cruz]

So just. So we're going to give you. We're going to give you five months, Brenda. Six months. Because your family. I'm going to extend a lot of grace. It's been a long term thing. It's been over two decades. So six months isn't going to break the bank.

[Mary]

I like it.

[Rachel Cruz]

Six months. So Brenda, that's what is going to happen and be effective September 1st. So I'm going to circle back 30 days before and we're going to talk August 1st to make sure you guys have plans either to move or to pay what is owed and up to rent. Okay? And I know this is awkward and hard, but that's how it has to be, and it's not going to do that.

[George Campbell]

Sal. September 1st. Come on, man.

[Ken Coleman]

What do you want, Sal?

[Rachel Cruz]

Are you Brenda? Okay, yes, yes, yes, Brenda. I am. I am going to do that. September 1st.

[Ken Coleman]

Let Sal speak. So what's the timeline for you?

[Sal]

It's in what We're. In what, April? It's in May, actually. It's a couple days that we're.

[Ken Coleman]

Jeez, bury the lead because it was 30 days to get out.

[George Campbell]

Well, I had.

[Rachel Cruz]

Have you said that to her, though? It was May.

[Sal]

Yeah.

[Rachel Cruz]

Okay. Okay, so.

[George Campbell]

Because I like that timeline.

[Sal]

Yeah, so. Because my mom approached me and says, hey, you know, your dad's. You know. You know, his condition. We need some help with these properties. Can you go figure it out? And I have an older brother, and, you know, he's a whole different story.

[George Campbell]

And so we don't have time for him tonight.

[Sal]

No, no, no. That'd be a whole. That's a whole different show. You know, that's gonna be like. And so, you know, I said, okay, you know, reached out some help, got some California lease agreements, talked to my cousin two months ago, and I said, hey, you know, we're gonna increase the rent. And she's like, well, it was kind of upsetting. You didn't give us notice. You increased the rent.

[Rachel Cruz]

And you know what? You know what you can say when she says that?

[George Campbell]

I'll call the wambulance. Ladies and gentlemen, give Sal some love. Thank you, Sal, for your question. Perfect. Can I just give you a fist bump? That was so perfect. Dave, call the ambulance.

[Rachel Cruz]

The spirit is here.

[George Campbell]

Somewhere in Argentina. Dave just went like this.

[Ken Coleman]

I'm being summoned.

[George Campbell]

Yeah. All right. That is so fun. Okay, now we're gonna. Welcome to the mic. Tony. Everybody, welcome Tony to the mic.

[Rachel Cruz]

Yeah, Tony,

[Tony]

How you doing? My name is Tony. I'm from Montclair, California. Ryan, I don't. I don't really know how to ask it, but I'm gonna just explain a little bit. I'm going through a really hard divorce. This is our second separation, but I know for sure from my end I'm done with it.

[Ken Coleman]

But

[Tony]

just to kind of give you an idea that this ain't new. The pain I feel and the loneliness and all that. I live alone. We have kids. Kind of sucks because they're great kids. She's a great mother. I'm a great dad. Spend a lot of time with them, but it's almost like they can't wait to leave me so they could go back to mom. So, like, I'm peacefully alone, but also super lonely. So when I go to work, I do all these things. I'm just numb to everything because it's like the things that really matter in life, which is my kids, the relationships, like.

[George Campbell]

Yeah.

[Tony]

I'm just tired of giving them all and nothing works out, you know?

[George Campbell]

I'm sorry, Tony. So, like, what, what happened? What. What was the cause of this? What? Sounds like now you're done.

[Tony]

During our first separation, during a breakup, she. She was asking me, oh, did he sleep with anybody during breakup? And when I returned the question back, she was being. What is it called? Promiscuous.

[George Campbell]

Promiscuous. Yeah.

[Tony]

So the whole two years that I was trying to give them all. She'll have fake social medias and then I'll find that she's like trying to reconnect with them. And it was just.

[George Campbell]

I'm so sorry.

[Tony]

You couldn't do nothing because you're at work, you're everywhere, and you're just nervous what's going on at home, you know?

[George Campbell]

Yeah. So the kids wanting to leave your house all the time, is that because mom knows that you're trying to be financially responsible or you're certain? Maybe you're more disciplined? What is, what is happening in your mind that you think the kids are like, okay, I can't wait to get back to moms.

[Tony]

I think I'm pretty chill and not really, I'm kind of strict, but

[Mary]

I

[Tony]

think they just miss her. They're just mommy's boys, you know?

[Rachel Cruz]

How old are your kids?

[Tony]

I got a 13, nine and a two year old. He just turned to.

[George Campbell]

How much time do you have with them in a given month?

[Tony]

So we. Everything just through agreement. So I literally just get him every single day.

[George Campbell]

Oh, so you do see them every day.

[Tony]

Yeah, I see him. I pick them up every day. My choice. I just do it.

[George Campbell]

They're not staying with you every day?

[Tony]

No, because I work graveyard, so it's not like they could sleep with me. So the two days I'm off, I do.

[Ken Coleman]

So daytime with you, night time with mom?

[George Campbell]

Yeah, essentially, yeah.

[Tony]

But every single day I have him.

[Sal]

Okay.

[Tony]

And then my oldest, he's getting recruited by colleges, basketball. So like, that's what I mean. I spent a lot of time with him because I trained in basketball wise and all that. So like. Okay, they're. They're really good. So I kind of feel he just Uses me just to train him and give him rights. But I tell him, I was like, hey, Daddy's lonely man. At least check on me. Just to say goodnight. But never.

[George Campbell]

Well, we're really sorry that you're going through this, and I think you have been betrayed. Okay? So let's just call that what it is. And you need to heal. How long ago was this revealed to you?

[Tony]

I left her July of last year.

[George Campbell]

Okay. Still really fresh. Have you gotten any therapy? Sat with a. Yeah.

[Tony]

Yeah. Even during our first breakout, we're separate for, like, two years. I've been going to therapy, I've been doing what John Laloni does, reconnect with people, like, and. But it's hard because everybody's married, everybody has lives. So I kind of feel like you're. Kind of. Look at you, like, I gotta make time for this guy, you know, I'm busy, you know?

[George Campbell]

Okay, so I got a little something. So, earlier tonight, before we got started on the show, I asked how many people were single, and there was a bunch of single people. How many single guys are in the room? Would you raise your hand for a second? Just the single guys. Okay, will you all stand up real quick? Just stand up. This is not going to embarrass you at all. I want you to all turn around. Tony, the guys that are in front of him, turn around and look at him. All right, Tony, I want you to look at these guys. It's not weird. Don't gaze at them, just look at them. And then I want you to look at the guys behind you. Okay? Now, guys, sit down. Okay, now, here's what I want, okay? Because dudes are a little different, okay? And I'm not gonna put you on the spot, but, guys, if you're willing to connect with Tony after the show tonight, I got a single guy right down here, we met earlier. He's shaking his head. This guy's got money up on money. He's stacking money.

[Rachel Cruz]

It'll be a great time.

[Ken Coleman]

He needs to.

[George Campbell]

No, he needs to spend some money so you can go hang out with

[Ken Coleman]

Tony, buy him a drink, because you

[George Campbell]

got nothing else to do. And so here's what I want. I'm having some fun, but I'm dead serious, guys. Listen, loneliness kills. And what I love about the Ramsey Tribe, you know, when you think about when Dave started Financial Peace University, what made it so powerful were people coming together, sitting in the room, and there were shared values through shared experiences, shared failures. Yeah. And here's a guy who's trying to win Financially. Give us a picture of where you are financially

[Tony]

on baby step. Almost done with number one.

[George Campbell]

Come on, my man.

[Tony]

Yeah.

[George Campbell]

So this guy right here and these two dudes right here. So, guys, I'm not gonna put you on the spot, but I mean, I'm serious as I can be. If you would be willing to meet Tony, he's sitting right down here. You guys make a beeline for him after the show. Not now. And you guys connect and you need some community. You need guys that have shared values and are willing to walk through this dark time, because this is dark. But here's the good news on the other side of this is light. And you walking out the baby steps is going to be a huge part in your recovery from this pain. You got me? Yeah. All right. You willing to receive these guys friendship?

[Ken Coleman]

Yeah.

[George Campbell]

All right, we'll see what happens. Thanks, man. Appreciate you. Thank you. All right, so we had a write in question. This is for us. Oh, wow.

[Rachel Cruz]

Is she in the room?

[George Campbell]

Is Sarah here?

[Ken Coleman]

Okay.

[Rachel Cruz]

Interesting. Okay. Okay.

[George Campbell]

Sarah wrote this question. This is for us. Apparently turning the tables. You ready for this one, George? I think you're a little nervous.

[Ken Coleman]

I am.

[George Campbell]

What was the last argument you had with your spouse?

[Ken Coleman]

Money argument or life argument?

[George Campbell]

Say money. Oh, boy.

[Rachel Cruz]

Oh,

[George Campbell]

who wants to go?

[Rachel Cruz]

This is fun.

[Ken Coleman]

Here's the truth. I never know when my wife's mad at me. I have to, like, check in. Like, I say I'm sorry every day. Just sort of COVID the sins committed.

[George Campbell]

That's classic. And by the way, he's telling the truth.

[Ken Coleman]

That is true. I'm aloof to the argument. Money, you know?

[Rachel Cruz]

Yeah, we had. Yeah, we had one. What is today, Thursday?

[George Campbell]

Is this the one you shared with us at lunch?

[Rachel Cruz]

I did. In Phoenix. We talked about this.

[George Campbell]

This is a good one. I think you should go first.

[Rachel Cruz]

And y' all are on my side, which I appreciated.

[George Campbell]

I was. In fact, I almost texted Winston to say, dude, go ahead. Your side.

[Rachel Cruz]

So my daughter, she's in fifth grade. She goes to middle school next year, and she's had two best friends since kindergarten. So it's been the little three of them, like through all elementary school. And they've just. And so the two moms, naturally, we become friends. Like, we were on a big. We were texting right before the show. Like, we're on a text group. Like, for six years, we've been friends. So one of them had the idea that before the girls go to middle school, we should do like a little overnight somewhere or maybe two nights. Like, take them before they all go to middle school. So we landed on Disney, not only because I like it, but in the world, not the land. I'm so sorry. I know. I felt it. I felt the disappointment.

[Ken Coleman]

It's closer to Tennessee.

[Rachel Cruz]

I felt the disappointment.

[George Campbell]

Okay, here's a hot take. I've been to both. The one in Florida's better. Let's be honest.

[Mary]

I don't know if you can say that.

[George Campbell]

Well, yeah, it's my opinion. Doesn't mean I'm right. It's just my opinion.

[Rachel Cruz]

I will say, though, the one in Orlando you get, it's like the crazy Disney people. Because there's nothing else in Orlando. If you go to Orlando, you're going to Disney. Here it's like, you have a ton of things to do. You happen to go to Disneyland. Does that make sense? Okay, anyways. Anyways, we're off track. Anyways, we're gonna do Disney because one of the girls, her parents live in Orlando, so we're gonna go stay there for free. And I don't know how much I want to. Like, I wanna do something bougie. I wanna do something bougie. And I want to get one of those, like, little tour things, you know, because we're only going for one day.

[Ken Coleman]

Like, they take you on a golf

[Rachel Cruz]

cart, live like no one else, later.

[George Campbell]

You're really soft selling us a VIP guy.

[Rachel Cruz]

Well, I don't want to sound too big.

[George Campbell]

Well, I just told everybody we're going

[Rachel Cruz]

low boost, but y' all, okay. So it is okay between all of us and America. Who's watching? Winston's gonna kill me, probably. He's like, rachel, why did you say this? It is expensive. I get it.

[Mary]

It is.

[Rachel Cruz]

But here's my thing, y'.

[Audience Member / Guest]

All.

[Rachel Cruz]

I'm like, what else? At this point, for us, right, we're baby step seven. We've married 16 years. We've done it. Like, I kept telling him, what else are we gonna do? Like, we're gonna die. Let's die with zero. Let's just, like, enjoy and spend.

[Ken Coleman]

Can't take it with you. Yes.

[Rachel Cruz]

That's so my philosophy.

[George Campbell]

You wanna tell him what he said?

[Rachel Cruz]

And he's not put his foot down like this in a long time in our marriage.

[Mary]

And he said, I'm absolutely.

[Rachel Cruz]

No. He's like, rachel, that is the dumbest thing to spend money. I mean, no, he didn't say that, but he was like, that is not. It's not wise. Why would you spend that amount of money for, like, six hours anyways? We went around and around And I just said, all right, well, we'll talk next week anyways. We probably won't do it, and it's fine. But I like to throw it out

[George Campbell]

there, you know, My money's on you doing it.

[Rachel Cruz]

You think so?

[George Campbell]

I think you're gonna do it. You know what my take is? Here's what I said at lunch.

[Rachel Cruz]

Are the others pitching in?

[George Campbell]

The others pitching it?

[Rachel Cruz]

I haven't even floated the idea, and I probably wouldn't. I would just be like, yeah, that's not.

[George Campbell]

You don't want to do that. That puts pressure on them. And Rachel's so nice. So I said, if. Now I'm on the other side of this. So Winston's in the thick of it. My youngest is my only daughter. She's going to be 18 in December, and I'm a mess when I think about her leaving. And so if I could go back to Amelia at 11 and do this, I would 100% do it.

[Mary]

I know it's not because it's Tex Winston, right?

[George Campbell]

Yeah. I was like, I wanted to say, hey, as a. As a dad of a daughter, man, make those memories now, you know?

[Rachel Cruz]

And we are going. So, like, we will have memories made. Well, we're gonna go. But that little extra cherry on top, if you know what I mean. It's an expensive. Yeah, it's an expensive cherry event. It's fine. Okay. That's ours. That was ours. That was last week.

[Ken Coleman]

I can't top that. I mean, here's what happens in my house. I get transaction alerts for every single thing that comes through.

[George Campbell]

Of course you do.

[Ken Coleman]

And I know how much things cost. So I see a transaction come through for, like, $34. I'm like, wasn't it just. How did you spend that on lunch for just. And so that's where I get in trouble is, then she gets defensive, and I text her, hey, what happened here? What's going on? You know? And she's like, well, I got the gluten free bread. I got a latte, got a little dessert. And then I calmed down. I go, okay, it's fine. You deserve it.

[George Campbell]

I love that you lead with the. What happened here's a major offense.

[Audience Member / Guest]

I got questions.

[Ken Coleman]

I think it was fraud. And I go, no, it's just my wife somehow works. I think the fraudster wouldn't have spent that much. Yeah, that's the honest truth.

[George Campbell]

You know, I don't have a great story, but I have a pattern that happens with us, and it's terrible, but the kids. I don't know if it's this way in your house, but I have three kids and they all go to mom first with everything. Sometimes I feel like I'm just a financial donor to the institution. And so what'll happen is they'll soft sell Stacy on something that they want and she'll be like, no, for whatever reason. And then they hit me about 24 hours later and I don't even think to say, have you talked to your mother? And I just go, oh, absolutely. And that's been a bit of a problem.

[Ken Coleman]

I think they're gonna be great lawyers one day. Very strategic.

[George Campbell]

No, no, I'm learning from it. That was good, fun stuff. Well, we also have another write in. Rachel.

[Rachel Cruz]

Oh, yes. Okay. So this one's from Kristen and she's here actually, I think we met her earlier. She said, my husband Wade is retiring this fall. He's gonna be 55 years old. I'm already retired at 57. Once he retires, we will need health insurance. We're both in good health, require minimum care and are debt free. We have no big. We have big plans to travel the US being nomads on the road for about three years and are off road Adventure rig. How fun do you recommend Christian healthcare ministries for us until we qualify for Medicare? If so, why? Well, first off, congratulations, you guys. What a fun season to be in.

[Mary]

I love it.

[Rachel Cruz]

Yeah, I think for sure, Christian healthcare ministries, yes, I think would be a great option. So Christian healthcare ministries, it's kind of an interesting. It's an interesting thing because it's not health insurance, but it's a health cost sharing ministry. So people pool their money and then when something happens, you submit your eligible bills and they take care of it. Like it's basically, that's the system. It's actually a biblical way of what healthcare was and so they emulate that. And so it is. It's amazing. So yeah, I would say for sure, for sure. In the gap before Medicare and then some people love it so much that's what they use for the rest of their lives. They just keep paying into it because of how great it is. But it's awesome. So yes, I would say, yes, Christian health care ministries, it would be a great option and it's much usually very cheap. It's cheaper than COBRA or any other of those marketplace health insurance from any area. That's right. For sure. Yes. So what's great though is right now CHM is offering new members a 50% credit towards their first month of membership. So you guys can check that out. So you can go to chministries.org and use the promo code Ramsey. And yeah, if you guys have friends that are talking about it. Looking at health insurance. It's expensive. Health insurance is expensive. So for a lot of people, they do find that it is less. Christian Healthcare ministries is from a month to month standpoint.

[Ken Coleman]

While we're out here in Southern California, I thought I'd hit the streets and harass some strangers to find out how they're handling money and how they feel about it. What's the worst financial decision you've ever made?

[Sal]

Get a girlfriend and spend all your money on her. It's a bad investment.

[Ken Coleman]

This girl really burned you, man.

[Tony]

I'd say so.

[Ken Coleman]

What was the nicest thing you bought her?

[Sal]

Lake Tahoe trip.

[George Campbell]

Got our helicopter everything.

[Ken Coleman]

Helicopter, like a helicopter tour?

[George Campbell]

Pretty much, yeah.

[Sal]

Okay.

[Ken Coleman]

I think you bought her a helicopter

[George Campbell]

and you know, ski trip, all of that.

[Ken Coleman]

What did that cost for that trip?

[George Campbell]

For her total trip was probably like seven grand, six grand.

[Sal]

Probably purchasing a lot of materialistic stuff like clothing and accessories and didn't really gain any value.

[Ken Coleman]

Probably buy a car. Were you in debt? I'm not now, but I was in the beginning. How much was the car? Like around $30,000, I'd say probably not investing earlier if we were able to

[George Campbell]

learn that maybe in school or have our parents kind of explain that earlier. I think you could become further ahead now. So just investing at a younger age would have been nice.

[Ken Coleman]

If you had like watched my YouTube channel at 16, you would have been like, oh gosh, I got to get investing. I got to stay out of debt.

[George Campbell]

Totally. Yeah. For sure. Yeah.

[Ken Coleman]

Reason to subscribe.

[George Campbell]

Hey, you know what we talked about? Fair Winds Credit Union. You know, they are the sponsor of our studio, our gorgeous studio back in Franklin, Tennessee which by the way, while I mentioned if you guys ever a chance to come watch the show, we're live in the lobby from 1 to 4. We'd love to have you there. And Fairwinds of course, has helped make this tour possible. So we just want to continue to say thank you. They're great, great people. George Fairwinds. Like we can't recommend them enough.

[Ken Coleman]

Yeah, they've been such an amazing partner and they believe in the Ramsey principles. They encourage their own team members to become debt free and stay debt free, which might be the only bank in America to actually do that. They believe in it. They have changed the way they do business to serve our fans better. And they have a great smart bundle. You guys can check [e-mail] Ramsey.

[George Campbell]

Yeah. So thanks again to Fairwinds. Okay, so now we've got our first of two of these segments that are a lot of fun. The audience tends to like these. It's called flip the script. So where you have been asking us questions, now we're going to ask you questions. Okay. And we got mic runners in the room. Okay. So we're looking for fun people that want to just throw an opinion out. So, George, I'll start with you. You got a question you want to get an answer on?

[Ken Coleman]

Yeah. Because this is something I struggle with as a guy who's frugal. What is the most ethically questionable thing that you have done to save money? Where maybe you tell someone or your spouse goes, that feels like it's on the line.

[George Campbell]

That's true.

[Ken Coleman]

Anyone got a good one?

[George Campbell]

Here it is.

[Rachel Cruz]

We got so many.

[George Campbell]

Stand up so we can see you and we're going to get a mic to you. Okay.

[Mary]

I'm a youth pastor, so it shouldn't be too.

[George Campbell]

Shouldn't be too bad, but. Well, we're about to.

[Mary]

All right, so I'm gonna get married soon in about two months with this lovely lady right here.

[Rachel Cruz]

Oh, congratulations.

[George Campbell]

Nice.

[Mary]

Thank you.

[Ken Coleman]

Thank you.

[Mary]

Anyways, so we're thinking about just things that we're gonna spend on now instead of living with our folks anymore. And one of it is water. So I'm thinking to myself, oh, I got this 24 hour Planet Fitness membership and they've got showers. And I'm like, jenny, we could do this. All right.

[George Campbell]

You don't have to do it with

[Mary]

me, but I could go every single Planet Fitness workout, take a shower and

[George Campbell]

then just go on back. Do.

[Mary]

Do day to day things afterwards.

[George Campbell]

What do you think?

[Mary]

She's like, it's not. It's not.

[George Campbell]

This is to save on your water bill.

[Mary]

Yeah, a water bill I don't even know I'm having anymore.

[Sal]

So.

[George Campbell]

Yeah.

[Ken Coleman]

Do you go to the gym every single day?

[Mary]

I go three times a week right now, but things could change.

[Ken Coleman]

And you're good with him showering three times a week? Yeah, that's what he does.

[Rachel Cruz]

He said he's gonna go every day. You.

[George Campbell]

Yeah, you need to go every day if that's where you're showering anyways. Yeah.

[Mary]

So we'll see what happens, so.

[Ken Coleman]

Oh, my gosh.

[Rachel Cruz]

Bless you.

[Ken Coleman]

The only people I've heard do this are people who are literally living in their cars. So I'm going to highly recommend a better quality of life.

[Rachel Cruz]

Enjoy water.

[Ken Coleman]

Yeah. You, sir. This is a special award, the highly coveted award. It's the Frugal Camel Award. And I can't think of anyone better this should go to. So come on up.

[Audience Member / Guest]

All right.

[Ken Coleman]

And this one's on me. I got it at Goodwill. That's how frugal I am. I'm not paying retail price for this thing.

[George Campbell]

Yeah.

[Ken Coleman]

There you go, my friend. Good luck with your marriage. You're gonna need it.

[George Campbell]

Yeah. And, yeah, I gotta tell you, that's a horrible idea. In case we didn't close the loop.

[Rachel Cruz]

Take a shower.

[George Campbell]

Just take a shower.

[Ken Coleman]

Is it worth the athlete's foot you're gonna get constantly showering?

[George Campbell]

Are you kidding me? And I don't know if you've been to many gym showers, but the old dudes in there, yikes. I'll just leave it at that. Okay, what do you got, Rachel? What do you want to know?

[Rachel Cruz]

Okay, I want to know, what's the dumbest thing you've ever done with money? Oh, who has one?

[George Campbell]

Who's that?

[Rachel Cruz]

You're like. That was so bad. That was so dumb.

[George Campbell]

Come on.

[Ken Coleman]

Regretful.

[Rachel Cruz]

No shame. No shame.

[George Campbell]

There we go. Right back there.

[Rachel Cruz]

Thank you, sir.

[George Campbell]

I was gonna say, in a room this large, I know you all done some dumb things.

[Rachel Cruz]

These are fun.

[Ken Coleman]

Hi there. My name is Edward. The dumbest thing. Well, I've done many. But the one thing that came to mind when you asked the question, I had a perfectly good paid off 2000 Acura TSX. But I wanted an ILX, which was really dumb because it's basically just a fancy Honda Civic. So I kind of went back in time and so I took the perfectly good car that I drove about less than a mile round trip to work, traded it in and leased a car. Yes. What was the lease payment?

[George Campbell]

Oh, God.

[Ken Coleman]

It's like 499. Ouch. Or 399. It was really dumb. I actually went back trying to give them back the car and get my other car back when I kind of woke up the next day and realized the stupid move I had made. Did they say no take backs? No. I even called, like, Honda Acura was trying to fight with them, and they're like, we don't get involved between you and the dealership. And so that was my stupid tax. And then, since then, I've not leased cars. But my goal now I got one paid off and I'm working on the second one. Nice.

[Rachel Cruz]

That's good. That's good.

[Ken Coleman]

Way to go.

[Rachel Cruz]

Oh, yeah. Oh, yeah. We gotta. We got a little.

[Ken Coleman]

Oh, Yeah.

[Rachel Cruz]

A little piggy bank for you.

[George Campbell]

Yeah. It says stupid tax.

[Rachel Cruz]

It says stupid tax.

[Ken Coleman]

Remind you, we couldn't even put money in for the guy. Come on.

[Rachel Cruz]

I know. Okay, but that's like that. And that is. Yeah, I hear you. The stupid task.

[George Campbell]

Throw that to our volunteer right there.

[Ken Coleman]

I'm not that athletic. I don't want to say.

[Rachel Cruz]

That's a pretty normal. That's a normal mistake.

[George Campbell]

Wes can catch that. Please, Wes. Nice.

[Rachel Cruz]

Yes.

[Ken Coleman]

Well done.

[Rachel Cruz]

So athletic.

[Ken Coleman]

Go team.

[George Campbell]

That's good.

[Rachel Cruz]

Go sports.

[Ken Coleman]

Go sports.

[George Campbell]

All of them. Okay, let's go. Let's get away from money for a moment. To the other major topic that always comes up on the Ramsey Show. Relationships. So here's what I want to know. What is the biggest red flag that you've ever had in a relationship? You didn't see it at first, and then, whammo, you saw it.

[Ken Coleman]

Or maybe you ignored it to your detriment.

[George Campbell]

Ignored it to your detriment. Who's got one of those? I see a hand right over there. Yes. What is your name?

[Rachel Cruz]

My name is Bri.

[George Campbell]

Bri. Tell us about this.

[Rachel Cruz]

He got a girl pregnant while we were together. Red flag.

[Ken Coleman]

That's all the flags at once. I think.

[George Campbell]

I don't think we have a color for what that flag. That's black flag. Like, with a pirate thing on it. We're gonna kill him.

[Rachel Cruz]

He convinced me it was gonna be the best thing for us. So.

[Ken Coleman]

Wait.

[Rachel Cruz]

What?

[George Campbell]

Tell us about that. Okay, wait. Okay.

[Rachel Cruz]

Wow.

[George Campbell]

Okay, here we go. How long had you been. Were you married or dating?

[Rachel Cruz]

We were dating.

[George Campbell]

And how long had you been dating?

[Rachel Cruz]

Four years.

[George Campbell]

Oh, no. And how did you find out that he got another woman pregnant?

[Rachel Cruz]

She showed up at our door.

[George Campbell]

Of course she did.

[Ken Coleman]

To out him?

[Rachel Cruz]

No, to try to beg for him back.

[Ken Coleman]

So he was, like, dating this person? This was, like, an emotion, obviously.

[Rachel Cruz]

No, they'd been dating for a couple months.

[Ken Coleman]

I found out while you were dating

[George Campbell]

and tell us this logic of his, that this was the best thing that ever happened.

[Rachel Cruz]

Narcissistic.

[George Campbell]

Well, of course, but what did he say? What was the spin?

[Rachel Cruz]

That we would come out stronger and better on the other side.

[George Campbell]

Wow. This guy's special. Was he in sales?

[Ken Coleman]

No.

[George Campbell]

No.

[Rachel Cruz]

He should have been, though.

[Ken Coleman]

I agree.

[Mary]

Yeah.

[Ken Coleman]

Wow.

[George Campbell]

I am so sorry. Have you.

[Rachel Cruz]

That's a. It's okay. One day, he was not home, and he simply came home to nothing but a key.

[Ken Coleman]

So nice.

[George Campbell]

Go, girl. Good for you.

[Mary]

Go, girl.

[George Campbell]

That's awesome. Thanks for sharing that. I didn't see that one coming.

[Ken Coleman]

This turned into Maury real quick.

[Rachel Cruz]

Yeah, I know.

[George Campbell]

True.

[Rachel Cruz]

You're the father.

[Ken Coleman]

He is, yeah.

[George Campbell]

Yeah.

[Rachel Cruz]

And he was.

[George Campbell]

Yeah, he was.

[Ken Coleman]

At least he owned up to it.

[Rachel Cruz]

Okay, let's go back to money for a second. I want to know what is the craziest thing you've done to pay off debt?

[George Campbell]

Oh, I like this.

[Rachel Cruz]

What's something that you've done in your debt free journey that you're like, wow, that's pretty.

[George Campbell]

It might have been desperate, like didn't

[Rachel Cruz]

pay for water and went to a gym to shower. Right. Like that would be in that category. Or like that side hustle that you had that was kind of funny, like a quirky something.

[George Campbell]

There we go.

[Sal]

So this is my lovely wife, Lisa. So Walmart will match ads. I don't know if I can say that, but you know that they would match ads. So she would load up two carts, find up all the ads that she had, like go through the newspaper and

[Rachel Cruz]

you know, price check.

[Sal]

They would like match price, match it. So she would go and have like every time we do our grocery run, she was like determined and, you know, she'd find there's a tactic, right? You find the youngest cashier that has

[George Campbell]

energy, like, you know, you know, not

[Sal]

somebody's like, kind of jaded and like.

[Mary]

Yeah,

[Sal]

what is this?

[Ken Coleman]

You know, Brenda, Brenda.

[Rachel Cruz]

Brenda would definitely be that cashier you

[George Campbell]

want to stay away from. Brenda.

[Sal]

Yeah, but she, she did that for. We did it for, I think a couple years where she was just, you know, determined.

[Ken Coleman]

So what was the average amount you think you saved on your order?

[Mary]

100 bucks.

[Audience Member / Guest]

Wow.

[Rachel Cruz]

Oh yeah, that's good. That's a good one. That's good. The price matching. Yep. Anybody else got time for one?

[George Campbell]

Any other crazy? We're looking for some fun, crazy stuff. Oh yeah, Where?

[Rachel Cruz]

Right here.

[George Campbell]

Right here.

[Rachel Cruz]

He's coming.

[George Campbell]

Okay, tell us your name.

[Mary]

Hello, I'm Tatiana. First time, eh?

[George Campbell]

Nice.

[Mary]

Well, it's not that big, but I'm from Costa Rica and when we moved to la, my friends called, they want to meet up in Miami. So I started going to this plasma center to blood drop, get those plasma

[Ken Coleman]

donated plasma to go to the Miami

[Mary]

trip with my friends. And I came back, I didn't do it.

[George Campbell]

How much, how much did you make the first time?

[Mary]

$200. And I brought him with me, my husband, and he got another $200.

[Ken Coleman]

You roped him into the Miami trip? He had to donate too?

[Mary]

No, it was a girls trip.

[Ken Coleman]

He didn't get to go.

[George Campbell]

It was a girl. Oh, so you had to give plasma.

[Ken Coleman]

That's what I'm saying.

[George Campbell]

But I got. I didn't catch that.

[Ken Coleman]

Wait, were you married at the time?

[Mary]

Yes.

[Ken Coleman]

That's true love. Keep him around.

[George Campbell]

You know that if you go, you get a referral.

[Mary]

So I have to bring him.

[Ken Coleman]

You get a referral bonus.

[Mary]

Yes. And he stay at home. And I went to Miami with my girls, and it was fun.

[Ken Coleman]

Wow. I love that you didn't go into debt, though. I really respect that. You're like, we're gonna figure out a way to pay cash for this.

[George Campbell]

I mean, you know what? I gotta tell you, that's a great side hustle. Your body just keeps moving.

[Rachel Cruz]

Okay. Yeah, yeah, that's good.

[George Campbell]

All right. Very good. Okay. Up next to the mic is Gloria and Christopher. Welcome them with a big hand. Here they come. Yes.

[Mary]

Hi. Hi, I'm Gloria and my name is Chris, and we're from Orange County. We are in our 30s. We're on baby step 3B. We just paid off all our debt at the beginning of this year.

[George Campbell]

Nice.

[Mary]

That's a big deal. Thank you. We're already starting to experience some growing financial discrepancy with our family and friends as well as discrepancies in our worldviews because of the finances, like explaining why we're making certain purchases now and what our end goal is and things like that. And so do you have any advice on how to navigate through these relationships long term? Like, what can we do now and what can we maybe set as goals for the future?

[George Campbell]

Give us a little bit more. Maybe something specific. And what is the issue and who are the family members?

[Rachel Cruz]

Is it friends too, or just family?

[Mary]

Both. Both.

[George Campbell]

I would say through this financial journey, our wealth has grown tremendously. So it's been showing in how we live our lives.

[Ken Coleman]

In what ways? Is it trips, cars, a house, trips, cars? Are you guys flaunting it, bragging in front of them, or are they just sort of see it and they go, wow, I guess they're doing good.

[George Campbell]

I think they just see it. And who's they? I want to lock in on that.

[Mary]

Like my siblings, you know, of course, we all live nearby.

[George Campbell]

Yeah.

[Mary]

And then, you know, obviously we go to church. We have friends that we see regularly. And then, you know, we're sharing life together. So all of a sudden we're making, like, bigger purchase, go traveling more often. And then. And I don't know what they are thinking. Nobody's come up to us and. And said, like, oh, why are you doing that? Or kind of try to rebuke us in some way or whatever. But we also need to be kept accountable. Right. So we are sharing with certain people the meant, I guess, like the mindset behind it.

[Ken Coleman]

But then are they asking.

[Mary]

I think there's an understanding that there's accountability, at least with my friends, that there's an understanding that, oh, hey, I want to be kept accountable as well as them, too. So.

[George Campbell]

Wait, wait, wait, wait, wait. Accountable for what?

[Mary]

I guess just the accountability and, like, spiritual aspects, making sure we're not flaunting what we have.

[George Campbell]

So you bring it up so that they can hold you accountable to not flaunt it.

[Mary]

I guess we're sharing life already. Okay, so there's accountability in all aspects of life. And then now we're traveling more and they have not said anything to me or to him either, but I'm scared

[Ken Coleman]

this is all in your mind.

[George Campbell]

I do, too.

[Ken Coleman]

It's not even a reality. No snide at once. No side up.

[George Campbell]

This is a new way of life for us.

[Mary]

Yeah, I think maybe that's what.

[Ken Coleman]

I think you guys are uncomfortable because you feel like you've outgrown them financially. And it might be more you guys projecting than the reality of the situation. Could that be true?

[Mary]

Yes, I think there's that too, of course. But that's my question is we don't know exactly where to go. Like, we do feel that. And so you feel what? That we've some. And I don't want to say outgrown, but we are on that trajectory. We do see that. And we have all the makings now to be successful in a way that maybe they won't be.

[George Campbell]

Okay, so here's my question on that. So I think that now we're. Now we're on this. Okay, so do you. Do you feel that they are celebrating you? Are they excited for you? Or is it just real quiet standoffish on this stuff? I mean, what's really happening in conversations? Do you feel like they're for you?

[Mary]

I think generally, yes. With my friends, yes. With my family, it has not yet. I think they have not seen enough. But I do. I think it's maybe, you know, inside me. I do anticipate some conversations or maybe implicit judgment coming from their end about how we live our life. And I'm not apologizing for that, you know, because we are really trying our best to live right before God and that's all that matters. But then I think there is. How do we just navigate those relationships? Like, for example, maybe like my brother, I had to put him out there. But, yeah, he's on a different trajectory. He's a late bloomer.

[Rachel Cruz]

And so when you're saying trajectory, you mean because he's in debt and he doesn't care to get out of debt and he lives paycheck, all that. Okay.

[Mary]

And he's. Yeah. So he may not understand. Right. And part of our journey here, we're so excited. And this is a truth. Right. So we're trying to. We want to share certain things with our family so that they understand as the trajectory goes, we're getting further and further apart. He's staying like this. As far as we know, he's staying like this. We're going like this. And so there's going to come a time when we have to make decisions, like family decisions or whatever, that he's not going to understand what worldview we're coming from. He doesn't understand now. So then how would I. I guess

[George Campbell]

you got to let it go. Because when that time comes, right, where maybe you have to make a family decision or something about the parents or something, I'm getting where you're going. And at that point, you know, then if he leans in and says, how have you guys been able to do this and this and this, you can begin to talk about the principles that you followed and how it's allowed you to build wealth. I think with the friends and everything. I think I do get what you're saying. I think that when you begin to experience wealth and, you know, you want to be around people that are celebrating it, and you don't strike me as a couple that's flaunting it. And so as long as you're not flaunting it and you just are sensitive to that and be aware of that stuff, then with siblings, I would never talk about money with siblings unless they ask specifically about, what is this Ramsey plan that you're doing? And I'm interested in that. But to talk about your success and all that, I mean, I just think that's such a sensitive thing. You want to weigh in on this.

[Ken Coleman]

How someone feels about your success is none of your business. You can't control it. And so all you need to do is ignore it. And like Ken said, listen, we deal with money for a living. And I don't talk about money ever, unless someone point blank asks me for advice. Otherwise, I don't butt in and go, what's the payment on that?

[George Campbell]

Huh?

[Ken Coleman]

I don't go to my neighbors like, is that a lease? Looks pretty fancy. You know, I don't get involved we talk about the kids and the weather and, you know, so I would just avoid it unless it comes up naturally. And it's a spirit of they actually want to hear from you versus they want to make petty remarks.

[Rachel Cruz]

Yeah. And the fact that there's been nothing explicit said to you all. Something's stirring inside of you, and I. And I don't know you, so I don't know what it is. I think it could be a little insecurity in your own self of, like, I don't know how to handle these decisions we're making and what people are gonna think about that. And that makes me feel insecure of what they're thinking about me. Right. And that's more your problem than theirs. Cause they may not even have a problem.

[Mary]

That's true.

[Rachel Cruz]

With it. Also, the accountability thing. Like, I don't know, there could be something that you're like, maybe we are being. I mean, I'm not saying you are, but, like, if you are being flippant with money, like going to Disney World with your daughter. You know what I mean?

[George Campbell]

I don't know. I don't know.

[Rachel Cruz]

I'm saying to my. To myself. And you're like, oh. And you get that gut check of like, oh, gosh, are people gonna think that this is too much? Cause maybe it is too much right now. And maybe we really didn't need that. And I was trying to satisfy something inside of me with that purchase. Do you know what I'm saying? There's so much psychology in this for you. And so that's the questions I would be asking. And from the accountability standpoint, make sure that those are people that want to talk about that with you, that you're not forcing them into a conversation, that then they kind of feel awkward or they don't know how to be truthful with you, because you know what I'm saying? That whole. I get the accountability thing. But also, y' all could just be great partners in that, too. Like, you don't have to rope people in specifically with specific numbers, too. Unless they're, like, great friends. And there's a lot of trust there.

[Mary]

We have not shared numbers, but. But that's a good point.

[Rachel Cruz]

Yeah. So there may just be a hot season of, like, yeah, maybe this is something that. Between us. And do you wish you had people in your lives that were excited when you got a new car and they're like, oh, my gosh, show me. I wanna see it. You know? Sure, that would be nice. But that's probably not the reality for A lot of people. And that's okay.

[Ken Coleman]

And people will judge. And Rachel was just featured in People magazine because of some flack she got for flaunting her pool. And I'd like for her just to share what happened.

[Rachel Cruz]

It was a Smart Money happy hour episode. Oh, did y' all see it?

[Ken Coleman]

Yeah, yeah, Blue saw it. Okay. Wow, we got a lot of fans out here. That's great.

[Rachel Cruz]

Anyways, I just did a quick. Okay, I just did a quick Instagram picture the other weekend. It was warm in Nashville. My kids are swimming in our pool. And I'll be honest, I did look up and our Tennessee flag was flying perfectly. And I thought, ooh, that's pretty. So I did. I just took a picture of the kids in the pool swimming and I just said like, happy Saturday.

[George Campbell]

I don't know.

[Rachel Cruz]

Well, Jonathan came into my DMs. Jonathan's.

[George Campbell]

Golly, he's related to Brenda.

[Ken Coleman]

I think Brenda and Jonathan are related.

[Rachel Cruz]

No, but Jonathan was like, I can't remember what he said. Way to just tell everyone you're rich. So. You're so tone deaf.

[Ken Coleman]

Look at you with your pool.

[Rachel Cruz]

You have a pool, you're tone deaf. It was like this whole like, meh, meh, meh, meh. So I voice memo'd him.

[Ken Coleman]

So yeah, we're live and smart money happy. I say, Rachel, you know the life hack how to get against these hecklers? You just send them a voice memo. Cause then it goes, oh, it's a real person.

[Rachel Cruz]

It reminds me. It's like me, like I check stuff like I'm a person.

[Ken Coleman]

There's tone.

[Rachel Cruz]

So I did. So I was like, hey, Jonathan, I'm so sorry my pool picture triggered you and I did not mean for it. That was not my intention. And yep. So I won't post about my pool anymore. Cause I don't want you to be offended. And then I jumped back on. Cause like, well, that was a lie. I probably will. So I was like, oh, sorry, Jonathan, we're going into summer months and I might post a picture of my family in the pool so you can unfollow me. Totally fine. Have a great day though.

[Ken Coleman]

No response from Jonathan to this day.

[Rachel Cruz]

No. Anyways, that was a hater. That was a hater.

[George Campbell]

I love that. Hey, last thing, I'll tell you this because you guys are a young couple, okay? And here's what is going to happen. And Stacy and I never saw this happening, but we're now middle aged and there are going to be couples that you're really good friends with. Right now that you may not be and probably will not be really good friends with 20 years from now. And it's not over some nasty thing. Doesn't have to be a breakup.

[Rachel Cruz]

Not even money stuff.

[George Campbell]

It's not even anything negative I'm saying, just a natural drift. And it's kind of weird and sad, but it's really natural. So I just wanted to give you that, like, life is going to keep moving and some people won't move with you. That's all I wanted to tell you. But hey, give them some love. It's a great young couple there.

[Ken Coleman]

Awesome.

[Audience Member / Guest]

Thank you.

[Ken Coleman]

Y' all are awesome.

[Rachel Cruz]

And hey, congrats on all the hard work, dolphins. So intentional. It's amazing.

[Ken Coleman]

Our next question is brought to you by Wirefi.

[George Campbell]

Thank you.

[Ken Coleman]

When you fall behind on paying back your private student loans, it can feel like your life is being held hostage. But yrefi helps borrowers explore a fresh start with a low fixed rate refinancing and a payment plan designed around their ability to pay. So visit yrefi.comramsey to learn more. That's the letter Y, r, e f. Y.com Ramsey may not be available in all states.

[George Campbell]

Up next, we've got Jennifer coming to the mic. Everybody give Jennifer a hand.

[Mary]

Hello. This is so exciting. My name's Jennifer. My husband and I have been married for 25 years and we've listened to Dave Ramsey the entire time. Because of that, we're completely debt free, including the house.

[George Campbell]

There we go.

[Mary]

And because of that and saving and saving, we have a large net worth. And so we are going to be giving. If we don't spend it all at

[Ken Coleman]

Disney and all the fun stuff and die with zero.

[Rachel Cruz]

Yeah, girl.

[Mary]

So if we don't do that, the nephews will be inheriting a large sum of money, but they have no idea and nobody has an idea of that. And so how can we. We want them to find their own way in life, but what can we do to ensure that the money, if they do inherit it, they don't blow it.

[Rachel Cruz]

Oh, wow. How old are they right now?

[Mary]

They range from 6 to 24. There's six of them. Oh, wow.

[Rachel Cruz]

Okay. And you all don't have kids?

[Mary]

We don't have kids. We have three dogs. Those are our kids.

[Rachel Cruz]

Does your sibling. What side is it? Your family or his family side?

[Mary]

Two on my side, three on his side.

[Rachel Cruz]

Oh, okay. So it's both.

[George Campbell]

You guys are great.

[Rachel Cruz]

I know.

[Mary]

And the mom and dad.

[George Campbell]

The brother know.

[Mary]

My brother knows. He's our executor. But nobody else has any idea. They have no idea what it could be.

[Ken Coleman]

Okay, so five kids, six to 24. And is this after you pass whatever's left would go to the them, the majority?

[Rachel Cruz]

Yes.

[Ken Coleman]

Okay, so we don't have to cross that bridge today, but we're sort of planning ahead for the future. Do you guys have a will or a trust in place right now?

[Mary]

We do, we have a trust. And right now at it's like age 25, age 30, if there's like a medical issue or something, they'll get special money set aside. But I had a thought, like, could I make them take financial peace? Like what could I have them do so that they don't slow it?

[Ken Coleman]

You want, because it's your money.

[Rachel Cruz]

We literally, Winston and I just. We just redid our will last week actually we sat down. Cause we hadn't done it since Amelia was born. So like it's been. So we literally have. Winston and I just had this conversation because yes, in the living trust you can put a lot of stipulations in. And so I think there is a very. There's one that's pretty normal, I think in that world, which is like the. It's the moral code. If there's drug addiction, if there's. You know what I mean? Like there's a lifestyle that. That money could absolutely ruin someone if they are stuck in a cycle like that. So that's a pretty standard clause. So I know we had that in there. And then Winston and I said that one of the. What's really important to us is that they create a lifestyle themselves and learn to live amongst what they are bringing in on their own income. And they create a baseline for years, for a couple of years. So we actually delayed some of our stuff going to the kids. I think like we staggered like the 25, 25 years old, 30, we did very similar. And so in that stipulation I would put for the executor to oversee and make sure that, yes, that they are working, that they are floating their own life. Does that make sense? Yes, that's right. Because you learn to live there and it's great. And you have the dignity as a young 20 something year old, that that is your life. And then when it's handed to them, what's gonna happen is the habits that they formed, the good habits there are magnified when they start to enter into the money that you all have left. So the hard thing is you can't control. Right. Exactly what they're gonna do. But yes, you can put in there that they have to go through Financial Peace University. I mean, some, you know, I don't know if you want a clause about debt in there, you know what I mean?

[Ken Coleman]

You could go out, I could say, must pull credit report, can't be any debt. You have to do a drug test. I mean, you could do all the things you want.

[Rachel Cruz]

You could go as crazy, controlled. But also, I don't know how controlling you want to be either when you're gone. Right.

[Mary]

I'm not gonna know.

[Rachel Cruz]

Yeah, you're not. Yeah, yeah, that's right.

[Ken Coleman]

But I would work with your estate planning attorney to say, hey, what have you seen work? Well, that actually is a blessing to families instead of, you know, makes things blow up. And so I love the idea of, hey, anytime you can use it for education, you can have this much. When you get married, for a down payment, you can use this much at 30 and you'll get 25% more at 40, 25% more at 50, and the rest, you can set all of that up however you guys decide. And I love that you're being so intentional with it because it does ruin people's lives more than it blesses them if you do it wrong.

[Rachel Cruz]

Yeah. And if you trust your brother as the executor, you know, you can have in there plan B where they would extend longer if he doesn't feel like they're doing well with it. That can get messy quick sometimes. But yeah, there's definitely like tons of different stipulations you can put in.

[Mary]

Fabulous ideas.

[George Campbell]

You know what? I've heard this question many times before and I've never had this idea before. And you may hate this idea, so. So you can let me hear it. I think you should do a video, a heartfelt video to all of them and just pour your heart out. Or you can write it. But I think it'd be really cool, a heartfelt video as to why you're giving them the money and what your hope is for them. I think that'd be pretty amazing.

[Rachel Cruz]

And sorry, I know we keep talking, but the ages are up here again. I forgot one's 24, so I would. Can we ask how much or would you rather not say on camera? Yeah, yeah, that's fine. That's fine. I would start having conversations with that 24 year old because he's gonna have to learn the responsibility of handling that. And if he has no idea and it's just thrown right, I mean, like, at him, like, that's not good. And so there is a level of mental and emotional preparation of the weight. Because it's a weight. Like they're gonna have a responsibility that they're gonna carry with this. But he's old enough. I would start having, yes, age appropriate conversations. And you'd have to loop in the parents, obviously, and give them a heads up of what's going on. But I feel like that's a good manager. As a manager, you wouldn't just hand the keys to a Ferrari to a kid and just be like, here, have fun. You want to have those steady conversations, though. So I would. The 24 year old, I'd sit them down and talk to him about it.

[George Campbell]

Jennifer, you made me the greatest aunt of all time.

[Ken Coleman]

Seriously.

[George Campbell]

What an amazing woman. Give her some love. Let's go.

[Rachel Cruz]

So cool.

[George Campbell]

Thank you. All right, up next, I hope I'm saying this right. Welcome to the mic. Redwald. He's coming. Where? There he is.

[Ken Coleman]

He's running like he won the prices, right? I like.

[George Campbell]

Yeah, he actually is running. I feel like. Come on down. Here he comes now. He's coming back together. Audience clap for him. He's got a. There he comes. He's making his way.

[Ken Coleman]

I thought he was going to crowd surf over there.

[George Campbell]

I know.

[Tony]

Fun.

[George Campbell]

How are you, sir?

[Ken Coleman]

Hello. Hello.

[George Campbell]

I'm good. I'm good. Did I say your name right?

[Ken Coleman]

Yeah, yeah, but I go by Ron. That tracks.

[George Campbell]

Well, that would have been a little easier. Redwald is my real name, but I go by Ron. Right? I like Ron. I'm going to call you Ron. Is that okay? Can you call you Ron? Yes. All right, what's your question? Yeah, so I'm an engineer. I'm in Baby step seven.

[Rachel Cruz]

Hey, congratulations.

[Mary]

And I'm also a Ramsey certified financial coach.

[George Campbell]

Oh, awesome. Thank you, sir. So, yeah, big fan.

[Ken Coleman]

I do have the Ramsey network app

[George Campbell]

installed in my phone. I do have the EveryDollar app installed on my phone. So my question is, do you have any fun Rob?

[Mary]

My question is, when will the Ramsey

[George Campbell]

dating app come on? Listen to the crowd. There were a lot of single people in here. Yeah, we asked earlier.

[Rachel Cruz]

We gotta. We got a single lady. There she is.

[George Campbell]

Where? Where?

[Rachel Cruz]

She's waving.

[George Campbell]

She's waving. Would you like to be. Would you like to be in the app?

[Ken Coleman]

Are you interested in a Baby Steps millionaire?

[George Campbell]

What do you think? Take a good look at Ron over there, huh? Baby Step seven. He's an engineer.

[Mary]

Ron.

[Ken Coleman]

That's great.

[George Campbell]

What kind of. What kind of retirement portfolio do you have, Ron? I'm gonna make this happen tonight. Who needs an app? How Much money. You got socked away, Ron. No, I'm kidding. Would you just let it roll? He was gonna tell us.

[Rachel Cruz]

I know he was.

[George Campbell]

All right, Ron.

[Ken Coleman]

Well, let me give you the name. Think about that. I've been working on this.

[George Campbell]

You have? There you go.

[Ken Coleman]

Like, you guys get to pick the names. Thoroughbreds only or endorsed love providers. Interested in either of those that do anything for you, Ron?

[George Campbell]

I'm going to. I got another one.

[Rachel Cruz]

Live like no one else.

[George Campbell]

Going to say love.

[Ken Coleman]

Love like no one else.

[George Campbell]

The name of the app is Love like no one else. That was mine.

[Ken Coleman]

Way better.

[George Campbell]

What? Yeah. Love like no one else.

[Ken Coleman]

There you go.

[George Campbell]

How old are you, ron?

[Rachel Cruz]

I am 52.

[Tony]

Wow.

[George Campbell]

Ron, describe your dream lady. Go ahead. You asked the question. Not. Not in public.

[Ken Coleman]

Oh, wow. Wow. Got dark real quick, Ron.

[George Campbell]

I was thinking pg, pal. You went r. You know what's funny? We have a. We have a Ramsey big shot in the audience tonight. We got an executive in the house.

[Ken Coleman]

Okay, tell me more.

[George Campbell]

Jeremy Breland's right down here on my right. Jeremy, is there ever a chance that there will be a Ramsey dating app? You have heard the people tonight, sir.

[Ken Coleman]

He's nodding very slowly.

[Rachel Cruz]

Where is he? Oh, you're right there, Jeremy. Oh, my gosh. The boss is here.

[George Campbell]

Yeah, no comment.

[Ken Coleman]

I think we need to pray about it.

[George Campbell]

Okay. Very good answer. Good answer, folks. So there you go. I mean, we're talking a big honcho there at Ramsey. He has been advised. He's heard you. That's all we can say. We don't know.

[Ken Coleman]

But I do like a big liability issue.

[George Campbell]

I do like the name love like no one else.

[Ken Coleman]

Yeah, that is strong. Trademark that.

[George Campbell]

But, you know, here's the thing. I got to call out Ron and all you other folks who want this. For three decades, Dave has said be weird, and he's talking about, obviously, counterculturally. Counterculturally. But that does bring out some actual weird people. So the app could be kind of a jungle.

[Ken Coleman]

Well, and then you're only searching. You're filtering by baby step seven. That feels gross. You know what I mean?

[George Campbell]

Like, Ron, would you date a Baby step two lady?

[Mary]

Yeah, of course.

[Ken Coleman]

Of course.

[George Campbell]

Yes.

[Rachel Cruz]

It's love.

[Ken Coleman]

All right, where are my single baby step two ladies at? Raise your hands. Do we have a date on the books?

[George Campbell]

Okay, so here's what we're gonna do. I got something in the box here for Ron.

[Rachel Cruz]

The treasure box.

[George Campbell]

Ron, I got some flowers back here.

[Ken Coleman]

Hey, come on up, Ron.

[George Campbell]

Ron, here's some flowers. Find a nice, fetching young lady. And shoot your shot, little lady.

[Ken Coleman]

You know what? Forget the dating app. We should do the Bachelor with Ron on the Ramsey network. Now we're talking.

[George Campbell]

Yeah, I don't have to consult Jeremy on that one. That's never happening.

[Ken Coleman]

I wanted to host it.

[Rachel Cruz]

Thanks, Ron.

[George Campbell]

You would love to host that? I'd love to host that. Thank you, Ron. You're a great support.

[Ken Coleman]

That was fun.

[George Campbell]

That was really fun, team. All right, how about another flip the script, you guys? A little flip the script. We're going to ask you some questions. Questions. All right. Oh, boy, this is fun.

[Rachel Cruz]

Has anyone fallen for a scam?

[George Campbell]

Oh, a scam.

[Ken Coleman]

That's a good one.

[Rachel Cruz]

Have you fallen for a scam?

[George Campbell]

Oh, where.

[Tony]

Where?

[George Campbell]

We got. We got a. Yeah, we've got a.

[Rachel Cruz]

We've got someone and someone down here.

[George Campbell]

Oh, we got two. This will be great.

[Audience Member / Guest]

We have AT&T. Cell phone people showed up at our house to sell the plan, and my husband cannot say no. So then I'm driving, and he's like, you need to be here now. He's gonna say, so much money on our bill. On our cell phone bill. So we already have all the phones paid. Our bill's pretty low. Oh, no. But it's going to be much lower than that. So I get the house and we fall for the scam. And they promised us one specific phone. I said, is this financed? Because I'm not financing anything. No, not at all. And then what happens? It was financed. And then you're going to get this one phone, the 17, whatever. And we get 17 Pro Max, and we get the 17 in the mail. So, like, we got the wrong phone. And then I complained. She was like, well, you cannot do anything right now. I said, watch me. So I called back to the old people and we moved back over there. But, you know, all of that cost us the stupid tax. And my husband. It was my fault. I was like, really?

[Ken Coleman]

So it was actually the cell phone company. It wasn't like they were faking?

[Audience Member / Guest]

No, no, it was a cell phone company.

[George Campbell]

Oh, man.

[Rachel Cruz]

Just not great morals on their side.

[George Campbell]

George, have you ever.

[Rachel Cruz]

We had someone down here. Yes, someone down here was right here. Sorry, what were you saying?

[George Campbell]

Well, I was going to ask George if he had been scammed before.

[Ken Coleman]

I was a young man, but I sent a pair of shoes. I was selling Nikes on Craigslist and a man in Nigeria. It's not a. This is not a knock on Nigerians. He just happened to be. Be from Nigeria. He said, I'm buying these for my cousin. I'll pay extra for shipping. I get the email from PayPal saying, hey, he actually paid me the money. I shipped the shoes out and realize that was not a real email from PayPal. He scammed me, and the shoes are now in Nigeria. And six months later, I got the shoes back. And it said return to sender. So I just lost out on the shipping money, but I got the shoes back.

[Rachel Cruz]

Well, there you go.

[George Campbell]

Well, that's actually a really happy scam story.

[Ken Coleman]

Thank you. I appreciate that. Yeah.

[George Campbell]

All right, sir, what is your scam story?

[Rachel Cruz]

I'm shocked that you felt this, Stanley Tucci.

[George Campbell]

I was shocked, too. So I had gotten a legit email from Ticketmaster about a pre sale on a rugby match. It was South Africa versus New Zealand. I love that matchup. I logged on to Ticketmaster. Every time I tried to click the button to do the pre order, it wouldn't go through. So I googled Ticketmaster number and a number came up. I called. This guy answers, walks me through, ordered the whole tickets. He says, you'll have your. Gives me a confirmation number, everything, says, you'll get your tickets in your email within 24 hours. I waited 24 hours and it wasn't there. I called Ticketmaster. They're like, that's not a good number. And so I went to my credit card. Sorry, guys. I went to my credit card and it was a charge to an airline in India. Oh, wow.

[Rachel Cruz]

No.

[George Campbell]

Yeah. I mean, I googled Ticketmaster phone number, and then I did some research later, and I guess that there's ways to raise these fake numbers to the top of Google. The worst part was that by the time I realized I didn't have tickets, it was sold out. So I didn't get to go to the game.

[Ken Coleman]

Did the credit card company refund you?

[Mary]

They did.

[George Campbell]

At first they said, well, you gave them the number. I said, but I gave them the number thinking it was Ticketmaster and it was not. And so, yeah, I did get the reimbursement, but that's how easy you can get scammed off there.

[Ken Coleman]

I know they had pity on you. That's nice.

[Rachel Cruz]

Oh, that's tough.

[George Campbell]

What about anybody got an impulse purchase that you just absolutely regret? We love hearing the impulse purchases. Anything anybody got one they want to share? Everybody's embarrassed. Here we go. Right back there. Yes, ma'. Am. Your name?

[Mary]

Hi.

[Rachel Cruz]

Stephanie.

[George Campbell]

Stephanie, tell us about your purchase.

[Mary]

Well, it's not my purchase.

[George Campbell]

Oh, well, that's.

[Rachel Cruz]

But it is my fiance's purchase. Throw him under the bus.

[George Campbell]

Is he okay with this?

[Mary]

Yeah, he'll be fine.

[George Campbell]

He'll be fine.

[Ken Coleman]

This is the rest of your life, man. Just know that. We went to.

[Mary]

We were in Europe, like, two years ago, and we were in Monaco, mind you. We had been together six years, and I was waiting for a ring.

[Sal]

Oh.

[Rachel Cruz]

Oh.

[Mary]

He decided to buy a $3,000 Louis

[Audience Member / Guest]

Vuitton duffel bag right in front of me.

[Ken Coleman]

For who?

[Mary]

For him himself.

[George Campbell]

Oh, man.

[Mary]

He did buy me a purse, but that's besides the point.

[George Campbell]

Yeah, we can tell.

[Mary]

Oh, and we have the ring now, so

[Rachel Cruz]

it worked out.

[George Campbell]

Wow.

[Ken Coleman]

And you still have the purse, right?

[Mary]

I have the purse.

[Ken Coleman]

It's a win.

[George Campbell]

What about the duffel?

[Mary]

I told him to sell it.

[Rachel Cruz]

He did not.

[Mary]

He still has it.

[George Campbell]

Still has it?

[Mary]

Yeah.

[George Campbell]

Okay.

[Mary]

That is a big impulse.

[George Campbell]

That's a bold move to buy the bag right in front of.

[Ken Coleman]

We haven't sold it yet, though. I'm thinking about it. The duffel? Yes, sir.

[Sal]

Okay.

[Ken Coleman]

I mean, are you going to get good money for it at this point? What's the resale value on that? I have to do my homework, sir. All right. Well, at least he's thinking ahead.

[Rachel Cruz]

This pay cash.

[Mary]

Oh, my God.

[Sal]

No.

[Mary]

I put it on my card.

[Rachel Cruz]

No, you went into debt for it. I was going to say DAI was zero, but no, you went below zero. You went negative, ma'. Am.

[Ken Coleman]

Your father would be mad at me.

[Rachel Cruz]

No, it's fine. He's not here.

[Ken Coleman]

I got the points, though.

[George Campbell]

The travel points.

[Ken Coleman]

What would Dave say?

[George Campbell]

You got the point. Well, that's just stupid. How about that? Well played.

[Ken Coleman]

That was before I started listening to Dave Ramsey.

[George Campbell]

We got it. No shame, man. Thank you for sharing.

[Rachel Cruz]

You're great. That's great. That's great.

[George Campbell]

And you got the girl, so you somehow pulled it out of the ditch. But that was an all time move right there. There in Monaco. She thinks the ring is coming. He goes, I want that duffel.

[Ken Coleman]

All right, last one I got. I got a good one. Who has loaned money to family or friends, and it went sideways.

[George Campbell]

Oh, boy.

[Ken Coleman]

Maybe a cosign situation. Oh, we got one up here.

[George Campbell]

We got.

[Rachel Cruz]

Oh, we got two down here.

[Ken Coleman]

We got. Oh, this is fun.

[Sal]

Yeah.

[Tony]

I grew up with this kid. His name's Skyler. He was trying to be a comedian on YouTube. He was actually.

[Ken Coleman]

He was actually getting the first red flag.

[Tony]

No, no, no.

[George Campbell]

But.

[Tony]

But he was actually doing a lot of skits with a lot of popular ones. So he was like, blowing up. And one day he was like, hey, can you let me borrow $600? So I could get a better camera. I'm like, boom, okay, go ahead. And then two weeks later, he was like, hey, I'm trying to get a $2,000 loan. Can you be my co signer? And I was like, how about your family? He's like, oh, we haven't paid our phone bill. That ticked me off so much. I've never done this, but I cussed him out. And I was like, f you. F this friendship. Like, this is over. Oh, but it's because it was six months later. Sorry, six months later, not two weeks. Six months later. He only gave me 20 in six months. But I'm the type that I don't be, like, bugging. So I was just waiting on him. I was like, I can't believe, you know, you have the.

[George Campbell]

The.

[Tony]

The courage to come and ask me for more. Like,

[George Campbell]

thank you for cleaning that up.

[Ken Coleman]

It's a family show.

[George Campbell]

Yeah, well, I thought that was going to get dark.

[Ken Coleman]

Is he a successful comedian today?

[Tony]

You know what? He ended up cheating on his wife, so I think that put him downhill.

[Ken Coleman]

Yeah, that's hilarious.

[Tony]

It sounds like he made it in the comedy world.

[George Campbell]

Guys are real jokester.

[Ken Coleman]

Yeah, but.

[Rachel Cruz]

Oh, no.

[George Campbell]

Wow.

[Audience Member / Guest]

Okay.

[Ken Coleman]

That's a good one.

[Rachel Cruz]

Okay. Someone down here?

[George Campbell]

Someone else.

[Rachel Cruz]

Yes, over here.

[George Campbell]

Yeah.

[Mary]

So I separated from my kid's dad in 2022. We tried to make it work. In 2023, he came back and he had a loan payment for a truck, and his interest rate was about 11% at that time. We thought we were going to make it work forever. And I had money saved in a money market for my. It wasn't transferred yet for my kids college fund. So I pulled out $37,000 to pay off his loan, which he was the. The person that owned the truck. And we agreed verbally that he was gonna make payments at 0% interest for five years. He paid for it for about a year that we were together, and then we separated again in 2024. And. Yeah, that's never.

[Rachel Cruz]

Not another payment.

[Mary]

$29,000 of a truck he's currently driving.

[George Campbell]

Ouch.

[Rachel Cruz]

That hurts.

[Mary]

And that knowing that it came from it. My.

[Ken Coleman]

My children's college fund, that adds insult to injury.

[Rachel Cruz]

That's hard.

[Ken Coleman]

Oh, I'm so sorry.

[Rachel Cruz]

Oh, man, that's a tough one. That is tough.

[Ken Coleman]

Okay, that was fun. Thank you guys for sharing. It was.

[George Campbell]

You know what?

[Ken Coleman]

We ended on a low note, but I think it was worth it. All right, quick, raise your hand. If someone in your life depends on your income. A spouse, kids. I'm in it all right, that's great. Now how many of you that have your hands raised have term life insurance? Keep it up. All right, we saw some hands go down, but I like how many people are actually doing this stuff.

[George Campbell]

So here's the deal.

[Ken Coleman]

We've taught this stuff for over 30 years now. If you have anybody depending on your income, you need term life insurance. And people get confused because they go, well, once I'm out of debt, then I'll maybe get term life insurance once I have the money. This is not a baby step. This is a non negotiable. You do before any of the baby steps. All right? This is playing defense for your family. It's a way you say I love you. And it's why we've recommended Zander for term life. It's who all of us have our life insurance through.

[Rachel Cruz]

Yeah, Zander's awesome. We've been partnered with them for over 30 years. And when you know you can look at whole life, you can look at term life. Term life is the way less expensive than whole life. And it is a term. So it will end up right, depending on what you buy, how long you have it for. But the idea with the baby steps is that eventually you will be self insured. You'll be to a point that you don't need it, that there's everything's paid off, you have enough in the retirement, everything's good. So term life inexpensive. And especially if you are healthy, you guys, like I'm telling you. And if you're young, if you're a young couple in here with like little kids, you need to get it, you need to get 10 to 12 times your income. And if you're a stay at home parent, you need at least half a million dollars on you. I'd probably do even more these days because it's gonna be a lot to take care of those kiddos. And so it is, it's one of the saddest calls we get on the Ramsey show. People that lose a spouse and there's not life insurance and they have to plug in and figure out financially. So this covers that like it's. It is, it is well worth it, you guys. And yes, Xander's great because they're an independent broker.

[Tony]

Yeah.

[Ken Coleman]

So they shop the top rated companies to get you the right coverage at the best price. And if your income has gone up, if you've had a job change, a life change, you need to maybe get another policy to stack on top of that, maybe 10, 15, 20, 25 years. And the goal is when the term runs out, you're self insured because you followed the principles. Your home was paid off. You've been investing for decades, so your family's going to be okay at that point. And so if you don't have it or you need more of it, go talk to our friends at Xander. You can jump onto Zander with a Z. Zander.com for instant online quotes. How much would you have to make per year to feel financially secure right now?

[Sal]

I'd say probably like seven figures.

[Ken Coleman]

A million bucks per year you'd feel financially secure.

[George Campbell]

Yeah, you got to shoot for the stars.

[Ken Coleman]

What's the minimum you need to just make it work? Like cover the bills. Living out in West Hollywood, I mean,

[George Campbell]

it all depends on your lifestyle.

[Sal]

Probably like 5,6k you can make that work with.

[Ken Coleman]

High cost of living. High, my taxes. You just got to be careful with

[George Campbell]

your money and how you spend it.

[Ken Coleman]

I feel like right now I'm like I'm secured with what I have. It's just like usually if you get more, you just spend more.

[George Campbell]

I kind of feel the same. I feel like I'm rich at the moment and I'm not making millions of dollars.

[Ken Coleman]

So I think it's all depends on the lifestyle you want to live.

[George Campbell]

150 grand, minimum. Okay.

[Ken Coleman]

Yeah, that's in LA. The cost of living out here in LA.

[George Campbell]

Yeah, 150 grand.

[Tony]

I say it's like, it's a comfortable amount.

[George Campbell]

It's a good amount to, you know, go out to dinners at least two or three times a week. Love it. Speaking of friends, obviously the tour brought to you by our friends at Fairwinds Credit Union. And we're so grateful for them as well. All right, back to your questions, please. Welcome to the mic. Madeline Meline, come on down.

[Audience Member / Guest]

Hi. This is a full circle for me. When you had your book, Smart Money, Smart Kids, Kids. I was there to ask a question too. So that was.

[Rachel Cruz]

And that was what, 2012?

[Ken Coleman]

Yeah, yeah, I think 14. But it's okay.

[Rachel Cruz]

Do you, do you know that you didn't.

[Ken Coleman]

Well, because I wasn't working at Ramsey in 2012 and I was there when the book launched.

[Rachel Cruz]

Oh, George, what a good friend.

[Ken Coleman]

I'm an encyclopedia.

[Audience Member / Guest]

Anyway, so I'm also a Ramsey certified coach.

[George Campbell]

Oh, thank you.

[Audience Member / Guest]

And thank you. And I, I want to grow my business on the side because I have a full time job. My husband was a Riverside Sheriff's Department sergeant and he retired. So he's at home all day and I go to work and I come back from work And I want to work on my business because we still need my income and I don't want to jump to get to just work full time on my business without the income. So then, but then he gets resentful that I get home and I want to work on my business. And so sometimes I go sit. He's just watching TV and just playing his game and I go sit there. But I'm like, I got stuff to do, I want to do other things and there's the house and all that. So how do I balance in a way that I can grow my business but also maintain my life kind of going. So I can not have him resentful with me. I cannot control what he feels. But you know that tension and, but at the same time grow my business so I can actually have it at full time.

[George Campbell]

What is the business?

[Audience Member / Guest]

Financial coaching business.

[George Campbell]

Okay, gotcha. Right. And so ideally, if you could snap your finger right now and you're spending time with your husband plus doing the coaching, how many hours a week would you like to be coaching to get where you want to be be?

[Audience Member / Guest]

Well, right now I see my, my full time job as my investor. Right, Right. For me to be able to, to quit that job. I work for a university, so then my daughter gets tuition for free and we have the health insurance. So then it would, I would probably using AI the way I've been using. I would need once everything things my program is together, then I would need like probably a few, I don't know, I would say 18 hours a week right now. But once everything is set, then I would be able to maintain just doing like a live coaching call once a week. So probably about five hours a week.

[George Campbell]

Okay.

[Audience Member / Guest]

But until I get there, I cannot like try to launch and refine.

[George Campbell]

Okay, gotcha. Well, the reason I'm asking you this because I think think you're going to have to back into this with his feelings, but then your goals as well. And I think, you know, when I heard you say, you know, he gets resentful when I'm doing this financial coaching work, but then when I not doing it, I just sit in the living room with him and he's kind of preoccupied or watching his show and so you're confused, like what are you resentful of? Is that a fair assessment?

[Rachel Cruz]

Yeah.

[George Campbell]

It's not like you guys are going out on dates.

[Rachel Cruz]

No.

[George Campbell]

Okay. So I think this is a relationship issue. I think you've got to serve the ball back to him and go, hey, has he expressed that he resents that you're doing the yes.

[Ken Coleman]

Okay.

[George Campbell]

So if you haven't already, you got to say, hey, okay. So when I'm not doing it, I spend time with you. We're not spending meaningful time together. We're just in the same room. And I think I would push back gently on that to say, well, that doesn't seem to make sense, because I could be growing this business that I'm doing this for us. So this may be sitting down with a marriage therapist just to kind of have a person who can sit in the middle and get both of your feelings. I'm wondering if he is not resentful of the time you're spending on the coaching, because he's not acting like he wants to go out and do all this holding hands and walking around and all this stuff. He's playing his video game in the living room with you. So not knocking him. But I wonder if he just resents that you've got a vision and that you've got a higher purpose and you're going for it and he's not. Because I think that's a very natural place for a guy to be in when he. When he's. He doesn't have anything going on.

[Audience Member / Guest]

Right.

[George Campbell]

And you got two things going on. And I'm going to bet you you that a therapist will pull that out. But I'd almost bet a large amount of money that he resents your activity, he resents your drive, he resents your vision. And not because he's a bad guy, but it's because he doesn't have it. And every time he sees you hustling, it reminds him that he's stuck. That's my gut.

[Rachel Cruz]

Yeah. And probably salt on the wound that you guys aren't connected. Right. And so, I mean, if you both were in a place that you were like, okay, yeah. I feel so known by him. I feel so loved by him. And he would say the same thing about you. And your marriage was in a really good spot. And you're like, hey, there's gonna be a season of, like, grind for me to, like, kind of get this thing going. I think the support would be there. So I think that when you look at the very bottom, your marriage is not in a great spot. Right. Not because of your stuff by any means. It's just the marriage. So, yeah, I would go to him and talk about you, which you long for, not business. I would do marriage talk. Marriage. Like, hey, here's what I long for. This is how I feel loved. This is how I want to connect. And I want to know you. I have a desire for X, Y and Z. Like you guys start rebuilding this connection within your marriage. And then out of that, these life choices of a little bit of seasons of sacrifice, you know, he may still miss it. And I think, to Ken's point, I think that his identity stuff is gonna have to be addressed and that's his stuff to work on. But yeah, the marriage piece is really important, and I don't want that to be pushed aside. And I know it's not, but I do wanna make sure that it's.

[Audience Member / Guest]

I really agree with Ken because he had a purposeful job. He was protecting people, right? So then I thought that he was gonna have an identity crisis once he retired. And I thought, now he's gonna find something that he wants to do because he doesn't have to do it. But he also resents that he doesn't have the money to. He just says, we don't have the money for me to go do this and this and this and this. So I'm like, so let me go work on my business so I can start making some money, right?

[Ken Coleman]

So here's the practical next steps. Number one, he needs a hobby and he needs a part time job. He needs to get out of the house. Number two, you guys need a shared calendar with date nights on it. And on top of the date nights, you're gonna have your own work schedule for your side business, which keeps you accountable and lets him know, oh, she's on the clock. Not gonna bother her here. We have the intentional time on the calendar. It sounds unromantic. It's one of the most loving things you can do to set those expectations in your marriage so that you're not hoping that connection happens. You're planning on it.

[George Campbell]

That's really good. Hey, thank you so much.

[Audience Member / Guest]

All right.

[Rachel Cruz]

Thank you.

[George Campbell]

Give her some love. That's awesome. All right, up next is Sherry. Welcome, Sherry, to the mic. Sherry, come on down. Let's go. Takes a lot of time.

[Ken Coleman]

I was singing in my head. I was going, oh, Sherry, nice.

[George Campbell]

You should have went with that.

[Ken Coleman]

In my mind, I want to let you know what's going on.

[Mary]

All right, so I'm a single mom of three boys and baby step two. And in October, my boss had come to me and said, I'm not laying you off, but I'm cutting your hours to 20 hours a week. So I found a new job kind of out of desperation because I can't do this in 20 hours a week. And even though I have side hustles But I started a new job of the industry. I actually really like when you talk about finding work that you're wired to do. I found an industry that I love, but I felt like I settled on the pay. It was the same pay. I've been at the same pay for the last almost four years now. And as soon as I started day one, I realized I'm overqualified in the role I'm doing. There's room for growth, but my question is, how soon after starting a new job can you go to your boss and ask for a pay raise?

[George Campbell]

Yeah.

[Mary]

Because I was also offered benefits which I have not yet received.

[George Campbell]

Okay. What industry are you in?

[Mary]

I'm working in accounting right now.

[George Campbell]

Okay. And let's just talk for your future for just a moment. Then we'll come back to this moment. What would be an ideal role for you down the road as you continue to learn, get the experience in the accounting field? What would be an ideal job?

[Mary]

Well, I was an office manager before. Right now I'm running in the front office for this very busy accounting firm. I just finished tax season there, and I loved it.

[George Campbell]

Awesome.

[Mary]

So this is a role I'm 48. I can see myself doing for the next 10, 15 years.

[George Campbell]

But you see some growth, though, in the industry.

[Mary]

What I'm saying, at the job I'm at now, they do payroll, they do bookkeeping. They do a lot of stuff. So it keeps them busy all year round. Okay, but I don't want to do it. Like, I don't want to go through another tax season at the pay rate I'm doing right now.

[George Campbell]

I get it. Okay. So here's the answer to your first question. When is it too soon? There is no universal principle or law that says wait six months to ask for a raise or wait till there's no data. There's just common sense. Right. And so I do think it's too soon for you to ask for the raise, but I don't think it's too soon for you to go to him and say, hey, when you hired me, you talked about benefits, and I'm just following up on that. I'm a single mom with three boys, and as you might imagine, sir or ma', am, that's a big deal. So you can follow up on that, because that was promised to you. You don't have to slink into the office on that deal.

[Mary]

Yeah.

[George Campbell]

Now, if. If it's a bad person and they just sucked you in because they needed another body for busy tax season, then, you know, okay. This is not a place that I'm going to stay because they're dishonorable.

[Mary]

Well, there is a very high turnover there.

[George Campbell]

Yeah.

[Mary]

And especially with the demands. Especially. I mean, during tax, last week, during tax season, I was working, I worked 55 hours there, 100%. And during tax season, I was working 50 hours a week there.

[George Campbell]

Right, right. Well, you got to have benefits. You have to. You know that. So that's conversation number one tomorrow morning. Okay. That's the first thing. Second thing is the way to ask for a raise, in my opinion, is not to ask for a raise. Because when you sit down with a. Your leader, your manager, and you say, hey, I want to make a raise, no matter. I want a raise. No matter how you position that. If you just make it that blunt, hey, what do I need to do to get a raise? It immediately puts that leader on the defensive. Okay. And many times, and I'm saying this to the broader audience as well, many times, your leader, your manager doesn't have the ultimate call on that race. So not only are they defensive, because you put them in a situation where you kind of said, I'm hitting the ball at you, you got to hit it back. And they're not prepared for that, number one. Number two, they may not have the ultimate authority to do that, so they got to take it up. So it creates a tension that you don't want. What you want to do for two reasons is you want to go in and you say, hey, I like this work. I love this industry. I see myself being here. I'd love to grow. And I know that if I want to grow in this industry, I've got a potential opportunity, I hope to grow here. And so I want to know if we could meet. Not today. I'm not going to put you on the spot today, but I wonder if soon we can meet about a growth plan. And I would love to know from you what are some skills you think I need to have in my tool belt? What are some things that are maybe weaknesses or blind spots you think I need to address? And you're asking them for feedback on you. Okay. And then you'd say, I'd like to know how I can not only just add skills or fix blind spots, but what can I do that can be measured that we agree on in a growth plan that would allow me to get more responsibility and with that responsibility, more pay.

[Mary]

I guess a follow up is because I loved it so much. He was teaching me how to do the tax returns and everything. I even looked Online, I saw free classes from Intuit that teach you how to do, you know, taxes and all that. Should I. I don't even mind doing that in my evenings, my weekends and going and learning. Should I let him know that I'm.

[Ken Coleman]

Yes, want to do this 100% because

[George Campbell]

it shows some hunger. Now here's the back end of that. When you approach it that way, way that I just laid out, you're going to find out really quickly how valued you are. If you're valued and you have a healthy leader and healthy organization, they're going to respond to that. If you're not valued or they're an unhealthy leader, they're going to kick the can down the road. And you have put them in the best possible position to respond to you. You didn't sit in there and tell them how great you are and why you deserve anything. Never use the word deserve when having that conversation. So that's what you got to do now. Now conversation number one, you got to talk about the benefits tomorrow. Tomorrow morning. You're a mama bear. Three boys got to handle it. If not, you start going around the places and you ask around. And there are enough places that are looking for quality bodies who can do the job and who are hungry. And you're hungry. I wouldn't bet against you ever. I heard the emotion in your voice.

[Mary]

Yeah, I work 70 hours a week.

[George Campbell]

Yeah. No stopping you, mama bear. Nobody's stopping you. Hey, give her some love. This is the real deal right here. Thank you very much.

[Mary]

Thank you, thank you, thank you.

[George Campbell]

All right, so we've been doing this at all of our tour stops and this is really fun. Okay, so George, you got your calculator out on your phone. Can you get it?

[Ken Coleman]

It's always up on my phone, George always has it.

[George Campbell]

Okay, so if you have become debt free in the last 12 months, would you stand up, stand up all around.

[Ken Coleman]

That can be consumer debt or the mortgage.

[George Campbell]

That's right.

[Ken Coleman]

Way to go.

[Rachel Cruz]

Nice.

[George Campbell]

So here's what we're going to do. All right? I'm going to point at you and you're going to really loud tell me how much you paid off. George is going to compute this. James is backing him up and we're going to see how much debt's been paid off in the last 12 months. And then we're going to do a group debt free scream. How's that? That's pretty good way to end the night. Yes. Okay, so let me start over here on my right. Yes, ma'.

[Rachel Cruz]

Am.

[George Campbell]

Right here. How much?

[Rachel Cruz]

60,000.

[Mary]

16.

[George Campbell]

$60,000. All right, you can sit down once. I just for the moment, so that I can. Can see who I got next.

[Tony]

Right here.

[Ken Coleman]

32,000.

[George Campbell]

32,000. You guys can sit down. Ma'.

[Mary]

Am. 58,000.

[George Campbell]

Huh? 58, 58. Guys yell at me. 58,000. That's great. Right here.

[Ken Coleman]

260,000.

[George Campbell]

260,000. Right down front.

[Mary]

36,000.

[George Campbell]

36,000. Okay, right here, ma'.

[Rachel Cruz]

Am.

[George Campbell]

25,000. Couple right behind her. Half a million. Half a million.

[Rachel Cruz]

So good.

[George Campbell]

Yes, sir. 25,000. Yes, sir. 95,000. Couple right here. Green sweater. Yes. 205,000. 205,000 right here.

[Mary]

75.

[George Campbell]

75,000. Excellent. Right here. 1500-001500-00150,001. Okay. Did I miss. Oh, ma', am, I'm sorry.

[Sal]

Right here.

[Mary]

350,000.

[George Campbell]

350,000. I like this number, by the way. This might be our biggest number. Yeah, California. It stands to reason. God bless you people. Yes, sir.

[Rachel Cruz]

35,000.

[George Campbell]

35,000. Okay, let's go. This young couple right here.

[Audience Member / Guest]

Here.

[George Campbell]

90,000. 90,000. Okay, there's shower Man. He's showering at Planet Fitness. I can't wait to 32,000. 32,000.

[Rachel Cruz]

Pay the water bill.

[George Campbell]

Yeah, pay the water bill. You've earned. You've earned it. Yes. 60,000. 60,000. Okay, behind him.

[Mary]

55,000.

[George Campbell]

55,000. Oh, over here on the wall. Very Nice.

[Mary]

Right here.

[George Campbell]

100. 142,000. Yes, right there. How much? 10,000. Way to go. Okay, back corner. 60,000. Okay, and then right next to you, 10,000. Okay, right in the middle, sir. 22,000. 22,000. Yes.

[Ken Coleman]

210.

[George Campbell]

210,000. Is that everybody? Did I miss any one?

[Ken Coleman]

Yell if we were missed.

[George Campbell]

Okay, this is great.

[Ken Coleman]

All right.

[Mary]

Wow.

[Rachel Cruz]

What's the.

[George Campbell]

George, what do you have?

[Ken Coleman]

You're going to like this one.

[George Campbell]

I think I am.

[Ken Coleman]

$2,747,000 paid off in the last 12

[Rachel Cruz]

months in this room last year.

[George Campbell]

Okay, now that's amazing. Those of you just gave me the number, stand back up, cuz we're going to do a scream here.

[Rachel Cruz]

And can I, can I say.

[George Campbell]

You can say whatever you want if

[Rachel Cruz]

you, if you're debt free, if you are past baby step 200, that be the last.

[Ken Coleman]

No matter when you paid it off, you're part of this too.

[Rachel Cruz]

We want to celebrate you.

[George Campbell]

Everybody who's debt free, stand. This is going to be great.

[Ken Coleman]

All right.

[George Campbell]

I see people already turning their videos on.

[Rachel Cruz]

That's just a lot of debt. Free California.

[George Campbell]

This is awesome. Okay, you guys know how we do this, okay? We're going to count you down and we want to hear your debt free scream. George, you want to do the duty? You've got the number here.

[Ken Coleman]

I got it here.

[George Campbell]

Here we go.

[Ken Coleman]

All right, guys, in this room alone, Seal Beach, California, Ramsey Show Live. $2.74 million paid off in just the last 12 months with many more becoming debt free outside of that.

[Audience Member / Guest]

That.

[Ken Coleman]

Count it down. Let's hear a debt free scream.

[Rachel Cruz]

Three, two, one.

[Ken Coleman]

That was fantastic.

[George Campbell]

That was great.

[Rachel Cruz]

That was good.

[George Campbell]

I, by the way, that always gives me the goosebumps. I got the goosies. Well, hey, before we sign off to tonight, something we've done at every show. You guys have been a great crowd. George, a word of encouragement.

[Ken Coleman]

Well, what I noticed here tonight were people who have been through a lot of hard things. Getting out of debt is hard. Divorce is hard. Relationships broken, that's also hard. And through it all, you guys said, I'm not done. I got more life to live. I'm not going to go into debt. I'm not going to owe people money. This next relationship's gonna be better. I'm gonna solve for peace. I'm gonna do the hard thing instead of phoning it in in life. And that is so rare in America today. And you guys inspire me. So I appreciate you being here tonight. Thank you.

[Rachel Cruz]

So good. You know, it's funny, traveling to different cities. Every crowd kind of has a different vibe. It's been like that always when we do live events around the country. And you guys are just a really. You really are. I mean, a lot of the questions was a lot of concern for other people and things happening in your life. And it's just. It's a really beautiful thing to see. Cause I just feel like in the world today, I'm like, you just don't. You don't get that message. And there's people like you guys all over, all over America, all over the world. But your kindness, your goodness, your. As Dr. Don Deloney says, solving for peace in your life is so beautiful. And the fact you're here, you know that you're it. You're the answer, right? That. That responsibility. You all in this room have said, my life is my responsibility. And I'm going to take charge. I'm gonna be intentional and in the midst of it, love the people in your lives. So well. So well. And I feel like we just heard that theme tonight, and so we are so honored, honestly, so honored to be with all of you. So we, gosh, it's a pleasure to be alongside you and to. To cheer you on in your journey as you guys continue to live like no one else. So you can live and give and change your family trees.

[George Campbell]

Yeah. So good. Well, you know, Rachel, I think you're right. I mean, we picked up on that. The heart of people, you know, to give. And you can't think about that without thinking about something that Dave has made famous. Right. With this audience and with millions and millions of people. People, if you live like no one else, later, you can live and like no one else. And, you know, there's such great purpose in giving. And there's something else that comes with these baby steps and what we saw tonight with these debt free screams. The word is in it. Free. Freedom. Freedom to live the way you want to live. Whatever that looks like. Like sweet Jennifer, who wants to give away what probably is a fortune to her nephews that is giving like no one else. I mean, absolutely unbelievable. There's a freedom that you are demonstrating there. The freedom to live where you want to live, the freedom to live how you want to live. And I think that's the message that I want to make sure that we all get tonight, no matter what baby step you're on, because this is a tough journey. We heard from baby step one people tonight. Two, three, all across the board. And the reality is that Rachel's right. You are the answer. You can do this. And it is difficult in the community, the relationships. To be around like minded people and like valued people is what I saw on all four stops. There was tremendous community in the room. And that would be my final challenge. Don't do this in isolation. Isolation. And you can do this as a couple and still be isolated. Don't do it in isolation. Community matters. Relationships matter on this journey because it is tough and you never know what life's going to throw at you. So we believe in you. I want to say on behalf of Dave Ramsey, our entire leadership team back in Nashville, all of our crew, which, by the way, before we sign off, I would love on our last stop, for everyone on our team, would you raise your hand or stand up? We got cameraman up here, all of our crew. Would you give our team an incredible round of applause? They have done a absolute heroic job on these four stops. We work with the best people and they make us look way better than we are. So thank you to our team. And so on behalf of everybody, over a thousand teammates back in Nashville, we believe in you. We do what we do because we know it matters. And we believe in you. Know that from the bottom of our hearts. We love you all. Thank you so much for being here, Seal Beach. You've been a great crowd. We love you. Thank you.

[Ken Coleman]

Thank you, guys. Thank you. Have a great night.