Dave Ramsey Answers Your Most-Asked Questions
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January 30, 2025
TLDR: Dave Ramsey appears on the podcast, answering submitted questions about life, wealth, and frugal living. Listeners are encouraged to start a free budget with EveryDollar app.

In today’s episode of Smart Money Happy Hour, financial expert Dave Ramsey engages in a lively Q&A session. He addresses 20 questions submitted by listeners about his life, financial journeys, and the principles that guide his decisions. Here’s a breakdown of the key themes and highlights from the podcast, emphasizing actionable insights and expert opinions that can help individuals on their financial journeys.
Introduction to the Episode
Dave Ramsey is a household name in personal finance, and this episode allows fans to peek into his world through some intriguing personal queries. Co-hosts Rachel Cruze and George Kamel encourage an engaging atmosphere with drinks and light-hearted banter, offering listeners an enjoyable learning experience.
Personal Insights from Dave
Luxury and Treat Yourself
- Luxury Travel: One key point Ramsey emphasizes is the value he places on luxury travel. He mentions the importance of easing travel stress through services like customs escorts at airports, making the travel experience more enjoyable.
- Quality Over Quantity: Dave shares that he prefers to spend on quality over cheap items that need frequent replacement. This philosophy helps to ensure long-lasting satisfaction in purchases.
Financial Changes Over Time
- Adaptation to Advice: Ramsey reveals that he has evolved in his financial teachings, particularly around practical applications of budgeting. He admits to previously being strict with cash envelope systems but now promotes the convenience of using budgeting apps like EveryDollar.
- Mortgage Down Payment: He discusses the traditional advice of a 20% down payment for homes, recognizing a shift towards helping first-time home buyers with as little as 5%, reflecting current market realities.
Balancing Family and Work
Dave tackles the elusive concept of work-life balance, stating:
- Prioritize Presence: He advocates for fully engaging in whatever role you are in at any given moment. Whether at work or with family, the focus should be on being 100% present.
- Calendar Planning: He stresses the importance of family events being a priority, arranging his work schedule around significant family happenings, like prom dates and sports events.
Spending Philosophy
Refusing to Spend on Fads
When asked about purchases he refuses to make, Ramsey is clear:
- He avoids spending money on cheap items that don’t provide lasting value. Instead, he focuses on investments that deliver high quality and longevity, such as sturdy household goods over disposable alternatives.
Lessons from Regrets
Large Purchases and Reflective Growth
Ramsey candidly shares a story about regretting a lavish watch purchase. This purchase serves as a cautionary tale about impulsive spending:
- Impulsive Purchases: He illustrates how celebratory spending can lead to regrets when the purchased item doesn’t meet expectations or practicality.
The Importance of Experiences
Dave and the co-hosts discuss how spending on experiences—like travel and fine dining—can provide lasting memories:
- Mindful Spending: They emphasize how creating meaningful moments outweighs accumulating material goods, making it a worthwhile financial strategy.
Final Thoughts and Takeaways
The episode wraps up with Ramsey reinforcing that:
- Intentional Financial Choices: Being intentional about financial decisions is crucial for achieving long-term success in personal finances.
- Engagement and Enjoyment: Ramsey’s approach blends finance with enjoyment—he lives by principles that do not sacrifice quality of life while pursuing financial goals.
Conclusion
For listeners seeking to navigate their own financial journeys, Dave Ramsey’s insights provide a roadmap towards smart spending, balancing life’s priorities, and evolving financial tactics. By engaging with these practical applications and philosophies, individuals can start to shape their financial futures positively.
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Okay, are there any large purchases that you've ever regretted? The worst one was 2003. It wasn't like raising Rachel. What is one financial principle or piece of advice you've changed your mind about over the years? Hey guys, I'm Rachel Cruz. I'm George Campbell. And I'm Dave Ramsey. And this is Smart Money Happy Hour. Cheers.
Well, this is the show where two friends who happen to be money experts talk about what you're talking about. So everything from pop culture, current events, and money. And today, we've got the one and only Dave Ramsey in studio. You guys asked, we delivered and he's going to be answering your questions. That's right. Well, welcome. Well, it's good to be here. What a fun world. Long time listener first time guests. How were they drink? It's the first time. It's actually a very exciting show. It took a long time to get me here. It's crazy that we had your wife on way before you.
She was a fan favorite. I hope you beat her. She's crazy that she's way more popular than me. I think she might be. We'll see what your count is of the episode. We'll compare it to Sharon's and let you know. I think Sharon will be watching the encounter.
That is true. So in this episode, we're going to be actually answering, having you answer some questions from the fishbowl that people have submitted that they want to know about you. Oh, good. Not through the truth. Not how to get out of debt. Get excited. Way more. Your favorite subject, me. Get excited.
Fantastic. And while we learn about Dave, we're sipping on a great cocktail. What is sipping on this? This is a black Manhattan, which is mixologist Michael Reddish's signature cocktail. He made an extra special. Brings out the signature drinks for you, Dave. We don't always get that. It's one of my favorites. Sometimes we get cocktails with milk in it, so... Disgusting. Do that for you. I missed out on that. Yeah, yeah, yeah. It shows a good day. Yeah, yeah, yeah. This was good. So stick around until the end. We're going to give you our rating and reveal the cost per glass.
All right. So we are, um, we are going to lean into some of that like fan girl energies, what they call it out there. We asked the people if you could ask Dave Ramsey one question that is not a financial question for the Ramsey show. What would it be? Yeah. So it's going to be great. There's some family questions in there. There's some purchasing questions Dave likes to spend. It's actually a misnomer. People really do think you're still rice and beans. If you're an average, you know, if you're like a Ramsey person,
then you have to drive a crappy car the rest of your life, and you always have to have coupons. George still loves a good deal. Me and Sharon Ramsey, I think, are holding it down in that apartment. You like frugality. But yeah, you love to spend, so there'll be some good spending questions in there. But it's going to be a good time, George. Let's get to the fish. Oh, are we going? OK, OK. All right. What does it look like to treat yourself? So what do you do to treat yourself?
So many things, but the biggest one would be luxury travel, like Uber luxury travel, like the coolest thing I ever found in my life is when we go international, for somewhere around four or five hundred bucks, sometimes a thousand bucks, you can have someone meet you at the gate
personal, customs, escorts. They do this at crazy rotations. And they walk youth past everything. It's a fast pass, but for travel. Straight through, like you on the place. And boom, one of them, we went to in Egypt, they sit you in a lounge and bring food while they run all your stuff. And then you go get in the car and leave.
Oh, wow. I mean, that's bougie travel. Yeah, that's crazy. That's money well spent when you've got when you're living like no one else. So yeah, that kind of like just make my life good when I'm traveling. I don't want travel stress and enjoy the whole thing and stuff like that where I'm not standing in line is life is good.
Do you do the flights that have like their own bathroom and like are they like when you go on that? I saw that one on Emirates. Yeah. Yes. You get like your own apartment or something. Yes. I've got to do that one these days. But I understand it's pretty expensive. I might not be willing to spring to that. But it's more of a willingness though at this point. Yeah. It's pretty cool though.
But that kind of stuff, I mean, we don't wanna go travel half way, 24 hours or 20 hours on a plane and then stay in the freakin' motel six, just to say we got to go to ex-country, right? So, yeah, we spend money on travel. You know, that is an interesting thing, because growing up, we never really, when we were little, we didn't really travel. We camped and did all of that. But then when, the only memories I have of like when we actually, like we never went to the beach as kids, like it wasn't like, oh yeah, we have an annual beach trip, like we never did that. But then when we started traveling,
We started traveling where it was like, oh, like Disney World. I think Disney World was my first trip, which wasn't cheap, right? You could do the beach cheap and like do all of that probably before that, but y'all wouldn't. So that is funny, because that is probably still consistent on how you were growing up. We did not get vacations until we had the money.
and to do it right. To do it right, that's what I'm saying is I feel like even then. A lot of times when people are doing stuff like that, in my world anyway, I don't know about necessarily our customer or the viewer of this, but in our world, growing up, people were going to the beach, couldn't afford it. It's like they're buying a car that couldn't afford it. Yeah. And they needed to be home working, they didn't need to be dropping that three or four grand or whatever it was. And to get their dad to live like no one else to live or you can travel like no one else. Yes. Yeah. Yeah. But that's been, that's what we spend money on.
Arthur Brooks talks about experiences when you spend money on experiences with people that you love and you and mom travel together really well and y'all do it with friends a lot too. You bring us once a year so thank you. Still haven't got the invite. Have a drink George.
But like that is not just like piling on more and more and more stuff. Like you guys experience it and that's, yeah. And again, you're right in that, you know, 43 years of marriage, we are both planners. We don't.
Some couples and like we've got some friends that enjoy just going somewhere And they land in Europe and they have no idea what they're gonna do and they come home two weeks later Mm-hmm. Oh, that would draw me nuts. No, you would die We're doing single if we do something it's spontaneous. It's a change in the set agenda
We get PDFs emailed to us before our Christmas trip every year with exact times of every detail that you need. Patty, my sister lays out exactly who's going to be wearing the confirmation number. And that's not a type AOCD thing. You just want to know what doing something. No, he's typing. If I have to plan it on the go, it's not relaxing. That's all done. I just show up. I'm checking in and I'm already checked in when I get there.
most times, you know, because again, I'm doing luxury stuff and it's like they just meet you at the front door and go, here's your keys, Mr. Ramsey, you know, because you came through the gate and the little guy with the thing in his ear talked into his sleeve and all that junk, you know, and that goes in that's life. That's that's that's that's that's like, but mom and I are both we're both planners and we're both detailed people and we're not, you know, I don't know what you would call it, impulsive. No, you know, just go figure it out and have no idea where we're going. Not a chance.
All right. You would be terrible at the amazing race. I would be terrible. Don't let him. Don't think that was ever on his bucket list anyway. So many things about that would be terrible. What is one financial principle or piece of advice you've changed your mind about over the years? Churchill said...
When you're young, if you're not a liberal, you don't have a heart. And when you're old, if you're not a conservative, you don't have a brain. And part of that, part of the thing that kind of goes with that idea is when I first started this stuff, I was a Pharisee about it. Everything, exact and hardcore. And so one thing we've changed is it's not a principle change, but it's tactical changes. We forced people,
uh... at threat of being uh... reprimanded to carry envelope lots of envelopes with money in them actual cash envelope in the and we don't push that anymore one of the uh...
famous financial people came out years ago and said, well, here's what I do, but my advice for everybody else is something else. That was so hypocritical to me, and so I'm not going to do that. So if I'd pay for my gas at the pump,
with a debit card instead of cash out of a gasoline envelope, then I'm not gonna scream at somebody else for doing that. But in the old days, we did, Sharon and I, we had stinking envelopes everywhere. The tactical implementation of the principles, we have changed, and they are more convenient and easier now. The stuff you can do in every dollar is so much better than what we did on a piece of paper and pencil with envelopes with cash in them.
Now, did the down payment change to 5%? I feel like that was somewhat lowered. I feel like it was always a hard 20%, but now for first-time home buyers, we went down, you know, the advice is now down to time. Yeah. Yeah, we pushed 20 really hard. I still push it hard because you saved the PMI. Sure. You saved the private mortgage insurance, which is stinking $75 a month per 100,000 borrowed.
So you talk about $425, I mean, 300 or 300 bucks a month just for the stupid insurance that you don't even need. And so it's costing you a lot of money to not put that down. So I really encourage it. But yeah, I think some things like that that might be one that that might be true that we light lightened up a little bit on that. But it's not because of house prices. It's more because we've just learned
You know, getting involved in real estate and being an owner is more important than some of the tiki tiki details. Yes. Because you do want to ride these waves up as these prices go up. Yeah, for sure. It's good. All right. Next, how do you balance family and work? You can go back to like high school days when you actually had us living.
in the house, because I feel like that's probably more. Or maybe now. They just travel. They just travel. So I don't really see them. I do leave because you love work. But when you're in play mode, you go hard. I don't do. Yeah. My I do not sit on a beach and read ever.
under no circumstances. Don't look for him. You won't find him out there. No, not going to happen. So my sitting still mode is I got two two speeds of sleep and moving. One of my favorite stories of in this like this is him 24 seven seven days a week when Winston and I were dating Winston came to the lake house.
And we had some friends, college friends over that weekend. And I guess maybe the night before you ask if anyone wants to ski your barefoot in the morning. Because if you're going to get good skiing or barefooting on the lake, you've got to get up like a dawn. Really, really, really early. Bang on the door. Dave, it's 5.30.
Phyllis, you ready? When someone's like, yes, sir? Wait a minute, that sounds like they didn't approve this. It's signed up for this. You signed up, you said yes, get me up. So I got you up. Why is this a hard thing? I just say, it's that mode everywhere in the morning. It's 5.30. And yeah, so anyways. So the question was what? Work and family. Oh, balance, balance.
the great mythology of and it's really come on lately like a big-time thing. There is no such thing as balance because as soon as you're balanced
One second later, you're going to be out of balance. It's impossible. What is this perfect moment in time? You have to take a picture of it because it's going to tip. I mean, it's ridiculous. So instead of trying to balance, sometimes work-life balance is code 4. I don't want to work much. Sometimes it's that. But the answer to the equation is,
be where you are, 100%. If you're at the lake and you're gonna go skiing, get your butt out, let's go. Don't be checking emails. But that day, we're not sitting there, you know, I'm not riding a blog instead of doing that. I'm doing that. And so when I'm at work, I'm at work. I'm game on. That's what I do. And I'm not doing 63 other things. Then when I go home, I turn it off. I'm not gonna sit.
and take 73 emails during dinner with my wife. The problem I think people have is they get all this anxiety because they're trying to do two or three things at one time. They're trying to be great.
mom or dad while simultaneously working at home on their computer or they're supposed to be working at work instead they're on the dad down Facebook page trying to be a friend of somebody so you ought to be where you are wherever you find your feet be plugged in there be a hundred percent on that and then what we did tactically in the old days because i drive so hard i i had to learn i actually learned this at a marriage conference we went to
to stop at the bottom of the street before I go home and just sit and listen to a praise and worship song. I just got to change gears. To reset. I got to change gears because I can't use the same tonality, energy level, weapons on my family that I've been using to fight battles all day long. So I need to reset. And the guy said, the other thing he said was when you get home in the olden days, the warrior would take his musket or his sword off and put it above the mantle.
I'm changing gears from warrior to dad or warrior to mom. The other thing we did tactically was we just said, okay, there's some things that are important and we're going to signal to the family that they are more important than work by doing those things. So in the high school years, Rachel referenced that, you know, 100% of the prom dates were on the calendar before we started booking live events.
And we just simply, well, we have a venue and the only time it's available is then, we're not going. Because I'm going to be home cleaning my gun when that young man picks up my daughter. And so we're going to have a discussion here. You were much nicer than that. Not much. But I'm going to be having a thing. And Daniel, I coached his ice hockey team growing up. And we just put the ice hockey schedule on there, and I worked around it.
because it generally was in the evenings and weekends, and so on an event or speaking gig or something come across some of those things, we just can't go. I've got nine-year-olds that are counting on me, so I've got to be down there. I can't take that gig. And so we just set things on the calendar, but then when I needed to go work,
you know, on a weekend and I might have missed us. I made no attempt to make every stinking softball, soccer, hockey. Imagine three kids. No, it's impossible. It's impossible. I made no attempt to be that guy. But that's not work-life balance. That's out of balance.
If you have 73 sports for your kids and you make every single game, you are not in balance by definition. And so, you know, that's the kind of stuff. So anyway, that's, but we just said prioritize be where you are 100% and prioritize some things to where we're setting the bar that marriages first, kids are second, work is third.
And above all of that is God. And that's the priority. And so, you know, we're going to lay it out that way and we're going to actually live our lives in a way that indicates that that's true. I was saying, as a Brentwood middle cheerleader, I remember basketball games, you and mom coming to watch us cheer. I did. Oh, wow. You all did come. I was not at every game, but I remember you were, what would they call you, a flyer? I was a flyer. A flyer. Wait, that mean you're in the air? That means she was the little kid and they would toss her.
But here's the thing. Here's the secret to it all. I can't touch my toes. My hamstrings are very tight. I'm not a very flexible person. So when they started advancing the fliers where you had to like do the thing where you like hold your leg up or the scorpion, I got kicked out. I wasn't a flyer anymore. Yikes. Didn't hurt your confidence. That's a little Rachel back with you. My turn. May or May didn't know. What? True confession. True confession. That's right.
So we talked about what you are willing to splurge on to treat yourself. What's one thing you still refuse to spend money on? You're just like, I'm not going to spend a dime on that. It's not worth the upgrade or the charge or whatever. What I learned from watching rich people, I want to model after that, is that if I'm going to spend what feels like money, a lot of money on something, whatever that means, I want to get something of high quality that's going to last maybe even generationally.
So what I refuse to spend money on is cheap stuff that's not going to last. Instead, I'll double the amount and buy one good one instead of five bad ones. You know, and quality over quantity. Yeah. That's where we're opposite. That's great. Yeah. Yeah. I guess your Amazon history is pretty light compared to Rachel's. I don't have an Amazon.
That's how light it is. There we go. My wife has won and I participate in hers occasionally, but that's about it. We pay good money to see you have an account. Wow. Oh man, you're missing out. There's a fun life on the other side. There's so much stuff on Amazon. You should check it out sometime. That's a fun one. Okay, are there any large purchases that you've ever regretted?
probably more than in the early days, you know, before all this stuff happened. I mean, I bought a Jaguar when it was broke to say. Well, soon in the last, like, five years. Was there something really expensive that you really bought that you were like, eh, that's just... The worst one was 2003. Okay.
21 years ago, five score. You can't go back five years. I'm sure I don't have one. But I remember distinctly because it was, you know, it's a problem. And so we did the total money makeover deal. And I got this massive check with the publisher we were working with at the time. The check hit my account the day I got to New York City to start the book tour.
And I had been researching an expensive watch. And I thought, OK, I'm going to celebrate this largest check I've ever seen in my freaking life, and this big deal, and the launch of this book, and the start of this 43 days I'm going to be on the road pushing this book, I'm going to celebrate. I'm going to go buy that damn watch. I've been looking at it, looking at it, looking at it. And all these people got Rolexes and got super whatever nice watches, all these cool watches. And the watch was a Breitling.
watch and gold solid gold solid gold band with a diamond bezel and I knew it was like in 2003 it was like 60,000 bucks or something and so I go up on it's 52nd or whatever where all the pawns shops are in New York right about it from a pawn shop for blocks down yeah I bought it for 13,000
same watch. And the thing weighs like 73 pounds. That's solid gold. It's heavy. And it's probably pretty gaudy, right? It's bad. And the fabulous watches, the expensive ones all have a
They wind when you move them. They don't have, they're not courts movement. They're not digital, you know. And so, you gotta keep, you gotta maintain the deadgum thing. Don't even keep time.
You know, it's like this super expensive thing, and then if you don't do it just right at the timing, the time's off, versus something like, you know, my golf watch, it's just automatic, it's GPS, it sets itself with the phone and everything else. I don't think about it again, it's the right time, who knew? And, you know, so I got disgusted with the thing and put it, it's gaudy, doesn't keep good time, it's heavy, I put it in the safe, and then I thought, well, I'll trade it for something, I'll at least get a Rolex or something else, I'll trade it. I can't give the stupid thing away.
So it's like, it's like, sits in my safe glare. Do you still have it? Yeah, I've still got it. It sits in my safe glaring app. We need a photo of this. We need this. Watch. That's amazing. Will you hand it down to your kids as a generational airline? My mistake's down to my kids. I don't know. It glares at me and says, you're stupid every time I open the safe. Wow.
That's good. Well, you never bought like a massage chair that was like, I don't never use the dang thing or a sauna, which you guys love. Yeah, you have a sauna too. We use a sauna. So no regrets. You've learned over time. No, I don't have many. If something is quote unquote expensive,
and ratio to your life. I'd spend enough time thinking about it. I don't impulse that stuff and studying it to where I generally don't. This watch was closer to an impulse, like this celebration that should have never occurred. That's good. All right. We got a few minutes, George. Let's go lightning rounds. Let's get a few more in there before we talk about it.
Best meal you've ever had. Fine dining with wine pairings is like my favorite sport. So the, like a lot of best things in your life, things are relative. So I remember some of the first few times that we did like a chef's tasting with pairings and I'd never done that before. It was out of my league. It was like 13 tiny courses? Yeah. Well, or just really well done eight courses or whatever, seven courses. But I mean, the first five or six times I did that,
My mind was just, it was like the best thing ever. But you can get used to it like anything else. And so now I'm a little bit more selective with that, I guess. But I'm not like a foodie, but I do enjoy that stuff. And I enjoy the quality and the experiential, again, part of it. But yeah, that's...
We did one of those in Paris one time at the Four Seasons and dropped some serious coin on the wine and stuff, and it was memorable. Wow. Well, paired with that, what is your kind of guilty pleasure, like, just fast food, late night? No one needs to know about this. Where are you rolling through? Oh, yeah. What are you getting? Are we going sonic? We're going Taco Bell? We're going at... No, it's a lot. It's a lot of fish. For late fish, perhaps? No, no.
i'm a crib i might have i might have to do is jesus chicken i might have to check for a book or what's the order of check for life in the people know it's just a much better probably says probably okay good good pizza that's where you get it from i know about honestly i i honestly i got nor i just hate that's general fast for you know it's so good that you should try when these you know i guess spicy chicken sandwich so good
mozzarella sticks from Sonic. Those things are 73 years old. Cheese curds from Culver's phenomenal. Wow. All right, real quick. Most influential person that you've met that you were a little bit starstruck.
You know, I guess from Going Broke, I lost my fear of man. It's not that I'm arrogant about it, or I just don't. Okay, but who's like one person? Probably, I don't think somebody... Just somebody that you met that you're like, that was crazy. Okay, George W. Bush, I interviewed him twice and had lunch with him. And yeah, my pulse rate probably changed on that. But I was, I don't know if I was... Starstruck is a bit much. It's okay, you can't say it. That's good.
That's a good one, though. I mean, for any sitting former president to me is like a, that's a bucket list for me. I would love to meet a president. I'm just, anyone, just any president. Make it happen, Dave. Come on, you've interviewed many now. I feel like it's time. Let me know. Just let me know. Bring Rachel along. And then just let me know. All right, what's your drink of choice? Bourbon.
Neat or on the rocks. Favorite bourbon though. Give your favorite. That was my favorite child. Oh, so many. What about the Angels Envy Unicorn? Is that up there for you? Yeah, it's in the top 10. It's a barrel pick we did that never happened again. Which is the ultimate flex, I feel like. It's kind of like, yeah, it's a band you can never listen to. It doesn't exist. I went through some and I wanted this one. Selfish. It was like raising Rachel.
did you put this one and no one asked that how do you raise a child so humble you know Rachel when she was fun she was a fun kid obviously she's more fun than the others we could say now she's a lot more fun and more trouble but the I remember she was about four
and we took the youth path, we were broke, but we got this neighbor of ours on this little restaurant, and we decided, he said, come, here's some cards, come over and eat, and we don't get to eat, go out and eat, because we had no money. So we're gonna go take these cards, and we grabbed the youth pastor at church, after church, said, hey, jump in. So David jumped in the car with us, and the three little kids, and we're driving along this old beat up car, going out to eat. And you know, when you got little kids, yours aren't old enough yet to know this, but before you get the restaurant, you have to give a speech.
I'm going to kill you. Here's what's going to happen. If you do not behave inside this restaurant. Here's what's going to happen. I'm going to pull. It was the Olive Garden, wasn't it? No, this is my knowledge. There's a different story. We're pulling into the parking lot. And I said, all right, you guys got it. We're going to go in here, sit. You're not wild animals. You're humans. You're going to sit here. You're going to say, please and thank you. You know, gave him the speech, the dad speech, right?
and I left out something. So Rachel pops up from the back seat and says, and no fiits! And David, that you've passed her for the rest of our lives. Rachel said, and no fiits! With that good southern accent. Don't you throw a fiits. Because Rachel might have thrown a fit. Don't throw a fiits. That was your thing. My signature move. Don't throw just so much happening. She always loved the drama. You've always said, what was your, you've said, if we didn't aim her at something, we had to aim her at something, because she was going to go off.
Yeah. Me? Yeah. It was like you were such a wild child that we had to like give her some structure and we had a lot of energy and a lot of talent and a lot of it was either going to be used for the devil or it was going to be used for God. So you got to name it as something. So they put the head to put some help? And they put the head to put some help. And they put the head to put some help. And they put the head to put some help. And they put the head to put some help. And they put the head to put some help. And they put the head to put some help. And they put the head to put some help. And they put the head to put some help. And they put the head to put some help.
Just be glad you ended up with the chair. We have one of those. We have one of those. I think every family does, right? Where you're like, all right, this one is like the... That's how God teaches us. It's the one, and it's usually the middle child, which is so funny. Do you have the bowling bumpers so that you didn't end up in the gutter? Yes, they turned into something. That's why. This or this or this? I've got one. What are you most proud of personally and professionally? Maybe and or professionally? Personally, it's easy. I didn't grow up in a Christian family.
And so God's intersection with my life and how much it's changed, how I do everything, how I view everything, and then how it's changed my marriage and how it's changed my kids and now my grandkids. Because we're weird. I mean, we actually have all three kids that we like, and they all turned out, and we like their spouses. We like their spouses so much. I actually do stuff with their spouse's parents.
Wow, so like Winston's dad buddy and I go hunting together I mean we hang out to go like buddy crews without Winston around even that's it's not a requirement, you know, so it's not like mandatory So we're really really really blessed that way. I'm very very proud of that of course. Nothing is perfect, but it's
compared to other people that we know and the families we see torn us under by whatever craziness we're really blessed. I'm very proud of that. It turned out it worked. You know, God's ways of doing things, including family, work. And so professionally, it'll be our team.
We have an incredible team at Ramsey. And I have, and the leadership team, the other people here have worked very, very hard, very hard, with a lot of anxiety, a lot of stress, a lot of hours, a lot of tears, a lot of anger, to form that team. Get the right people on the bus, as Jim Collins says, the wrong people off the bus, and right people on the right, seats on the bus. But the quality of human being
all through Ramsey. It's unparalleled. And that's a professional accomplishment. Again, it's God's blessing, but it's a professional accomplishment, and I'm very proud of him.
Well, I can speak to that, because I met my wife here, and my joke was, if she's good enough for Dave, she's plenty good for me. If you can make it through the interview process. You can get through Ramsey's interview. Yeah, you're a personal. You can join the FBI, the CIEs. Exactly. A person of high character right there. I know. It is a good team. I just think about all of you guys. The people that we're looking at, it's not just Rachel. It really...
She's part of the team. Technically, you're part of it. I am part of it. Yes, I know. Technically. But that is one thing I do tell people is I'm like, you know, I don't know, something we'll be talking about work. And I'm like, I do feel like I live in a bubble here.
And maybe it's, you know, the 50 people that I'm like surrounded with. I mean, there's, I'm sure there's others, but like genuinely the people that I interact with, I'm like, I genuinely enjoy our team. Like we laugh, it's funny, it is enjoyable. We like fight hard, even in meetings that there's like a disagreement, like that's even fun where it's like, okay, let's fight. Like we really do fight for the customer and like what we're doing. So yeah, I agree with you.
You have co-stars like me, I imagine it's easy to enjoy your job. I could even get co-star out and mean it.
What was that? Wow, no, it's true. People ask me my favorite part of my job, and I'd say it's not a thing I do. It's the team I work with. I mean, seriously. It's the meetings behind the scenes more than in foreign campaigns. I'm not kidding. That is like a yes, because there's a lot of miserable people there. We call it rare. A lot of people work with miserable people. Yeah, we breathe rare. We've had a few, but they just don't get to stay.
Are you out of questions? I think we're done. I don't know. Should we keep you emotional? I went through a bunch of them. I went through and choose a fun one. My fun one was me. There's the humility showing. Drink of choice. What's the best piece of non-financial advice that you could give?
and Sharon and I had just gotten married and I went to the sales conference and the speaker was incredible. He really did a good job. And he got up at the end of the talk and he said, each of you in here are there are four components to your life.
And if you want to be successful, if you want to have a high quality, rich life, you have to feed your intellect. So you need to read good nonfiction books and add to your knowledge base. Not like murder mystery, like kidnapping and stuff. I read fiction books that make airplanes flat fast. But I'm talking about you need to add to your knowledge base. If you're going to be successful, you have to grow your intellect. You take care of your body. You get one.
garbage in, garbage out. I mean, you take care of your body. You need to deal with your past and your emotional state and figure out how you navigate forward.
based on where you came from, and everyone's got something there that they get to deal with. And so the emotional, the intellectual, the physical, and the fourth was the spiritual. And he said, if you don't know this man named Jesus,
You need to get introduced. You change everything. Change the way you do relationships. Change your way you walk out with your spouse, with your kids, with your business, your leadership, your sales technique. It changes everything and it changes your eternity because you get to spend it with him. And so if you don't know him, you need to get introduced. And so I think that's probably a pretty good plan.
And that was in your early 20s. That was the first introduction to Jesus for you, right? I came home and told Sharon, we're going to church. And she said, who are you? And what have you done with my husband? Wow, are you? Just like now. Pick the Baptist church or the Methodist church, flip a coin. We're going somewhere.
All right. Wait, hold on. Before we get to that, can we just talk about our world today online and how much of our information is out there? Put that down. Yeah, we can talk about it. It's fine. I just really bothers me, George. I just feel like I'm everywhere on the internet. That's how you know you're getting older. And not because of the fact that we have a podcast like this and a YouTube show.
But everyone's info is out there on the internet because of how often you guys we are filling out forms. We are creating accounts on different websites. And did you know that hackers love that? I knew. Yeah, that makes sense. Not good. That is why I love and I use delete me because they go through and they go to all these data broker websites and remove your information because people are making money off your information. It's crazy.
And try this at home. Google your name, your email address, your phone number. You're going to be shocked at how many weirdo websites have your personal info. And I love knowing that my info is secure and safe. And Delete Me is constantly protecting me from the risks of online scams and data breaches. So check them out. They're going to give you a crazy discount as a listener. 20% off any of their plans are already crazy affordable. Go to joindeleteme.com slash smart money to get the deal.
Yeah, and it's very inexpensive. So just for, you know, not a lot of money a month. It's amazing how you can protect your information, which is so important these days, you guys. So you must do it. So again, click the link below and check out Delete Me. All right, you can draw. Thank you. I'm going to end on a fun one. OK. What has been your most awkward or challenging moment as a consumer?
So maybe Dave's out in public and he's buying the thing. I imagine you've had some awkward interactions. Oh yeah, we've had some fun ones. You know, in general, if somebody has a Dave thing when I'm dealing with them, they either go one of two ways. They think I'm going to cheap them out.
And they have to give me the best bargain and sell me the stuff at half of what they paid for it, or I'm gonna be mad. I'm gonna beat him down to nothing. Or they think, this guy's got so much money, I'm gonna mess him over, and I'm gonna charge him triple. Charge the day test. Would you just be normal, you know? So in general, people fall into one or two camps a lot of times there, and they're like, you know, I didn't say anything, I just stand in here.
You know, and but yeah, the price is triple, but the fun one was we there was a place that's closed now that it was an electronic store and Sharon's washroom drawer went out and we went down there on Saturday morning to get one of those new at that time they were new those front load big deal washroom drives right 2500 bucks or whatever the thing was at the time I don't remember and we go in there and I'm like
OK, that's the price. I'm like, have you got last year's model? And he said, yeah, I think we got one back here. Let's go look. I said, is it fine? Then I want to deal on last year's model, because it was towards end of the year. Has it got a dent in it? That'd even be better. You know, I want to deal on that. And I wasn't trying to just beat the guy up. I'm, you know, in here. You're being George. A little haggling. Yeah, I thought I was. I thought I was just asking, pleasantly asking. And I thought, pardon my ego, that the guy had record. I thought he knew who I was.
And I was just being kind and, you know, nice or whatever. And let's go. He takes me back there and he goes, OK, he goes, well, this one will be 1,800 or whatever the number was, less, right? And she said, well, it's not exactly the color I want. And I said, well, what's the price on it? It was the best price of a cash right now. I'm going to pull out $100 bills and lay them on you. And he goes, well, you need to add the extended warranty.
Oh, boy. And I went, no, dude. I was positive you knew it was. Because you hate extended warranties. For those of you listening, yes. They've already been railing on them for decades. They're in all the classes, all the books, everything. Don't buy extended warranties. So I thought this guy was trying to be funny, bad funny. But I'm like, no, no, I don't like extended warranties. He goes, oh, no, you really need extended warranty. I'm like, no, dude. Not funny. I don't buy extended warranties.
And he goes, well, Dave Ramsey shops in here. And everything he buys, he puts an extended warranty on him. And I went, no, pretty sure he doesn't. Oh, no. Because now I'm starting to realize this guy does not know. And Sharon's looking at me like, oh God, this is not going well. Because my blood pressure is starting to go up. Because this guy is not only saying that. He's been telling every customer
that come here at the first that i'll guarantee you he tells everybody this to sell the stinking extender mortis as if i endorsed you know and he's like no i know they pretty well and he he does not by extender mortis ever i don't believe you
And the guy's like, oh, I can show you in the file. I'll guarantee you he buys extended warranties. And I pulled out my driver's license and I handed it to him. And he looked at the license and he looked at me and he looked at the license and he said, oh, explative. About passed out. And I said, Sharon, we need to go to the car because I'm angry. And I'm going to say something more that I don't need to say.
We're just walking out and he's chasing us towards the car because I've got to get away from him because I'm afraid I'm going to go off on the guy and then he's going to have a real day for MC story. Yeah, you know, that's not good. So I can't do that. I don't have that as an option being me. So I have to get I have to escape and I'm walking. He's like chasing me. Look, I'm sure we can work out a deal. I'm sure we can work out a deal. I can get you the best deal ever. I can get you the best deal ever and I got to the car and I get this guy.
We went to Lowe's and bought it. And the next morning, I got up and told a staff meeting, because when I was happening, it wasn't funny. But the next morning, when I woke up, I thought, this poor guy, he is melting in his shoes right now. This is hilarious. And now, by now, I'm just like, this is funny. This is funny. The poor guy, I mean, he really just got caught with his pants down completely. And so I get up and tell the story of staff meeting, and everybody's laughing.
On the way, walking across the parking lot, back to the office, seven people stopped me and said, oh, yeah, they told me that. They told me that. So now I'm mad again. What a roller coaster of motion. Yeah, I was like, oh, my God, this guy. So I picked up a phone. I called them. I said, let me talk to manager over there. And I said, hey, man, I don't want to be a jerk or anything. But we got a problem. And he goes, I'm so glad you called. Please don't talk about this on the radio.
He goes, it's a mistake. He goes, there's another Dave Ramsey in another town adjacent to here. I can show you the file. He does by extended warranties and it's not you. And we have called every store and we've emailed every store and told them to never say Dave Ramsey by warranties. Again, it was part of our sales pitch. We took it out of everything. He goes, we're so sorry. We're so sorry. Don't yell at us. And I said, that's okay. That's all. That's good. So we ended up buying a bunch of stuff from him later. Wow. And they still went out of business. And they still went out of business.
That was an awkward experience. A little bit of a long story for your flock, but yeah, there we go. Oh, man. I'm sweating, thinking about that. I know, that's front load. Front load washers. We're going to get you. Awesling and Sharon probably was like, mom was probably like, but it's a good deal. Yeah, stay here. Stay here. Let's stay here. Let's stay here and talk to him. I'm like, no, if I stand here, this is not going to go well. I got a little bit on the fight.
Wow. Oh my gosh, too good, too good. All right, George, you know one thing that needs to be put in the budget though. What's that? It is so worth it, is a cozy earth product. Anything that they have, sheets, blankets, pajamas, worth everything. It might be worth its own line item in your every dollar budget. I mean, probably George. I feel like you need something, do you? I'm a man who's now willing to spend on luxury goods.
And I like getting a discount on said luxury goods, which is what you get from Cozy Earth because you're a smart money happy hour listener. You know what, I think George needs something right now. And just like that, I'm a tiny king.
I feel loved, I feel seen, I feel known. There's not a lot that a big giant luxury blanket can't fix. And it is so heavy as well. So the fact that it brings so much comfort to your life, it is unbelievable. You ever just like hug a big fluffy dog and it just gives you so much joy, that's what this feels like. But it's not made of dog at all. Just to be very clear.
No, but seriously, their stuff is incredible, absolutely incredible. She's PJs, hoodies, blankets, you name it, if you want quality. The socks, that's what Winston likes now, the cozy earth socks. I haven't tried the socks. Throw the socks in last minute, worth the purchase, worth the purchase, yeah. And cozy earth is giving our listeners an incredible deal. Up to 40% off when you use the code smartmoney or go to cozyearth.com slash smartmoney, because we love a good deal and we love nice things. That's right. We can do both. I know, well George, you may have to say goodbye to the blanket.
You're right, this would be awkward to wear for the rest of the episode. Are you ready? Yeah. And we're back. So sad. I feel cold and lifeless without my blanket, but we have a guest here, Rachel, back to the conversation. Well, thanks for answering all the viewers' questions. Yeah, we did. Hopefully it didn't feel like an interrogation. How does it feel? How's my money happy hour for you? Oh, it's awesome. Does that show you've ever been on? Oh, yeah, definitely.
Best show ever been on the day. I'm sure you're proud. It's on the Ramsey Network and one of the best shows on the Ramsey Network. I fully agree. Because the other ones are like our shows. So we're kind of competing with ourselves. Well, before we spill the tea in our guilty as charge segment, Rachel, let's share the drink details and reveal our ratings.
Yes, so we're sipping on a black man hat and the difference here in the black man hat and the Michael reddish mixologist signature. It's got rye whiskey and a morrow instead of sweet vermouth and it's got black walnut bitters orange bitters and of course a brandy cherry and it costs four dollars and fifty two cents for each of these. So drink up. We paid cash for these days. Bring it.
That's a high price cocktail. I'm going to rate this. I mean, I would order this at a fancy cocktail bar and happily pay good money for it. So I'm giving this a 10 out of 10. Whoa. I could not improve on it. Wow. I can't make a better black man. I'm going 9 out of 10 just because it's not my a bourbon based cocktail.
is not my favorite. Not your thing these days. No, no. Do you remember Manhattan's used to be, when we would all travel for live events, after a long event, we would, you know, a lot of us would go out. Old fashions are in Manhattan. Yeah. But old fashions are in Manhattan, so it's all we would order. If you could get good bourbon, you gotta mix it with something. And now it would be different. I would do a dirty martini. Oh, wow. I know, I've switched. Look at you. I've gone, yeah, I've switched. That means you're becoming middle aged. Stop it! That means, that's what happens. No. It's a rite of passage for all moms. No, really? Eventually they switched to dirty martinis.
It's fine. All right, what's your rating, Dave? Did you give it a rating? You don't have to be generous. You know, Michael Bay. Be honest, yeah, because you just like bourbon. You're not really content. I'm not liking the black walnut in there. OK. It's hitting you like that. That bitters threw it for me. But yeah, probably six or seven, somewhere in there. That's pretty good. 6.5. We'll tell him. He texts us after every episode. What'd you rate it? He wants them. He will let them know that we'll let
He knows I don't want to mix my bourbon with stuff. Yeah, he should have known better. Michael, unbelievable. Well, if you want to see who's right, is it me or Dave? It's Dave. But you can get the recipe in the show notes. If you want to try it for yourself, you decide. All right, now it's time for... Guilty as charged. And this is where our producer, Kelly, gives us a new guilty's charge question every week. And for a guilty, we take a sip. Kelly. All right. Have you? Whatever it is, I'm taking a sip. Okay.
Have you ever been awkward around someone famous or someone that you really respected? Yes. I have a story. Oh, no. I know this story. Do you know my story? Oh, this is so bad. Have I heard this story? Don't.
Now you have to. We have to hear. This is my worst. This is one of my worst. If I could ever veto Dave, I'm going to use that card right now to say, please tell the story. We're going to, yeah, this is an honor to be edited out later. Oh, stop it, stop. It's not that bad. It's not that bad. Yeah, my worst celebrity experience. We were in Las Vegas because Dad Dave was being inducted into the Radio Hall of Fame, which was a really big deal.
That's amazing. Yeah, it was incredible. Yeah, so we all flew out as a family and went to this, like, you know, they had a big ceremony. The night before we were eating at a restaurant and everyone was talking about the guy that owned the restaurant. And I don't watch the Food Network. I don't watch cooking shows. I don't know, famous chefs. Like, that's not my thing.
And Bobby Flay owns the restaurant. And this was a pairing, exactly like you're talking about, in Sweet Rachel, in her early 20s that didn't get these experiences, is very excited. I talk a lot. I'm having my probably dirty martini, probably my Manhattan. And you get wine pairing, all of it. So anyways, I think it's fair to say toward the end of the dinner, I was like, oh, I probably didn't eat enough for
the whole pairing situation, yeah. That's always planned. So I am, yeah, so I'm just like, oh yeah, okay. So we're getting out of the restaurant and everyone's like chattering in our group and they're like, oh my gosh, he's here, he's here, he's actually in town, he's coming up to like say hi and congratulations. So we're talking about
And they were like, Bobby Flay is coming. He's coming up. He's coming up just to say hello. And everyone's freaking out. And I'm like, oh, man, I don't know. But Rachel is very like, I don't want to meet him. Like, you don't know where this guy is. I want to meet him. I do. Because everyone's freaking out. I'm on the front of the restaurant. I got to meet him. Yeah. So it's like, I don't know. And so he comes up. He's talking.
This cannot end well. This kid's not good, it's not good. Yeah, well I first woke up. Again, Rachel's, yeah. You're not seven, you're in your mid 20s. I know, I know. I was just a mere child. She's kind of bashful. The first thing I said was, hi, I said hi Bobby Flynn. I'm ready for this? I don't know why. Hi, I'm Dave Ramsey's wife.
And mom and dad were like, Rachel, I was like, oh my God, no, no, I swear. I'm just daughter. Sorry, Bobby Flynn. I'm a daughter. I said his name wrong twice, twice. And Amy Severson, who's on our team, was there, and she grabs my arm. And she says, hey, let's go over here, Rachel. And yeah, and we walk out. And I said, his name is Bobby Flynn. And I said, oh no. This is so helpful to watch.
it was terrible but i really want to know i want your bobby flay's version of it probably doesn't remember it in my head it was my worst interaction yeah wow yeah uh-huh uh-huh i'm really excited to get the restaurant yes
Wow. Well, Rachel, if it makes you feel better, I'm guilty too. Mine's way more recent. I was in my early 30s. OK. Dave was there, and Dave reminds me of the story all the time. I was at an event that Dave put on for an event for guys, men that he respects. I happened to get, I was late addition to the list.
Say that. No, George. And there's some big time people there. I'm not going to name drop. This was a famous comedian. He's got a big podcast. And I was filming a magic trick that was happening that he was involved with. So this will be a cool moment to see this magic trick come to life. We're four and a half minutes into this trick.
The things aren't going as planned and he sees me filming and goes, hey, are you filming? I'm just, anyway, I got to get out of here. And I apparently to Dave's version, I forced him to leave the party because of how uncomfortable I made him. And to this day, I think about it every night before bed.
And I feel terrible. I didn't know that it was gonna make him uncomfortable. You know? What are you used to camera? He's used to cameras this particular incident. He wasn't having them. And you're just filming them right there. Yeah. Yeah. So having lived that one down, don't know if I'll make it back on the invite list. Oh, you're fine. You're just gonna take your phone away from me at the door. Yeah. I've learned. I've learned that's for consent before. Okay, that's a good one. That's a good one. That's a good one. Yeah. And Dave, it's never been awkward around anyone. I'm an awkwarder behind everybody. It's just a problem.
I don't know. Yeah, I mean, the first time I was on the Today Show, Matt Lauer was on and Katie Couric was on. And I'm just like me and Matt are sitting right there and we did the little interview thing and my little scissors, I'm chopping up credit cards. It was the, you know, a classic routine I've done a bazillion times I've never done on the Today Show. So I'm like, oh, this is cool. I'm just happy to be here. That's good.
And so Katie's over there at the desk, you know, across the room, they had like three sets in the room, big, big studio. And so I'm like, ah, hi, Katie Kirk. And she says, hi, Dave Ramsey. So I start walking towards her to say hi and shake her hand. And like three security guys jumped between us. And I'm like, OK, I'm not shaking her hand.
It's gracious. You were a guest on the set. It's not like you were a stranger. Yeah, but those morning shows. It's a... Yeah, yeah, yeah. Not in a bad way. And those, I mean, those, they were the stars of the show in those days. I mean, they were the... Yeah. They were hot commodity. So, actually Matt wasn't. He was just starting then. But Katie was a big deal. Wow.
And, uh, yeah, I mean, I'm sure they worried some weird guy from Tennessee with a huge set of scissors. Maybe put the scissors down, never hold their hands, attacks Katie Couric. Don't approach Katie with scissors. Those are big scissors you have.
This is the first time we're all guilty. We're all guilty. Cheers to that. Cheers to the guilt. We're in enough rooms with famous people. We got lots of things to be guilty about on that one. Bobby Flay, never forget you. Wow. Never forget. Bobby Flynn. Bobby Flynn. Oh, so fun. Well, if you guys enjoyed this episode, make sure to check out that we actually have an episode about Cheapskate or resourceful with Sharon Ramsey, his better half. So we'll make sure to leave that episode. You can check it out here.
Or if you're listening on podcast, we'll leave a link in the description, because that's a fun one for sure. Dave, dad, thanks for being here. Being a great guest. This was a lot of fun. One of my favorites. Not the favorite, but one of my favorites. We had Sharon. Oh, you'll be careful with that. Let's get you in trouble.
It was so good. All right. I don't get to drink one of the shows, so this is interesting. Yes, it's good. Never enough trade for them. It was so fun. So fun. All right, you guys, we'll make sure to like and subscribe, and we'll see you next Thursday on an all new episode of Smart Money Happy Hour.
What's up guys, George Campbell here. I know there's lots of influencers on social media telling you which cryptocurrency to invest in for your star sign or which tech startup is definitely maybe gonna be the next Microsoft. But seriously, investing can feel confusing and stressful and it doesn't have to be that way. That's why I'm pumped to be hosting investing essentials with the man himself, Dave Ramsey. This is a two night virtual event where we're gonna deep dive into investing. We're gonna talk about how to get the most out of your 401K and mutual funds and share strategies for staying confident in your investments.
Plus, we'll give you the inside scoop on popular investment trends to follow and the ones you need to avoid. It's also the only event where you're going to hear Dave Ramsey unpack his personal playbook for how he made millions in real estate investing. Now, I know what you're thinking. How could this possibly get better? Well, it's virtual, so you don't even have to leave your house to watch. Join us live on March 4th and 5th to start investing with confidence. Take its start at $199. Get yours at RamseySolutions.com slash events.
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