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    Very Few People Become Wealthy Using Borrowed Money

    en-usSeptember 18, 2023

    Podcast Summary

    • A roadmap for recognizing and breaking free from anxietyAncient principles confirmed by modern neuroscience provide a consistent daily practice to handle anxiety and improve overall well-being, with six daily choices to prepare for and respond to anxiety effectively, and emphasizing the importance of quality communication and connection for deeper relationships.

      Dr. John Deloney's new book, "Building a Non-Anxious Life," offers a roadmap for recognizing and breaking free from anxiety, stress, and burnout. With anxiety affecting nearly half the US population, this book is a timely solution to a pervasive problem. The book is based on ancient principles, confirmed by modern neuroscience, and provides a consistent daily practice to handle anxiety and improve overall well-being. Unlike other solutions, this roadmap offers a long-term plan for living differently and handling life's challenges effectively. The six daily choices outlined in the book help prepare individuals for anxiety and provide a plan for responding when it arises. Additionally, Deloney emphasizes the importance of quality communication and connection, arguing that more information and communication do not necessarily equate to deeper relationships. Overall, "Building a Non-Anxious Life" offers a practical and effective approach to managing anxiety and improving overall well-being.

    • Controlling Technology and Relationships for a Non-Anxious LifeBe intentional about friendships and self-care, control technology usage, prioritize physical health, and increase income for a non-anxious life.

      Building a non-anxious life doesn't mean avoiding technology or relationships, but rather controlling them instead of being controlled by them. A key example given was a graduate student who was served divorce papers via text and felt overwhelmed by societal norms. Another important point made was the need to be intentional about friendships and self-care, just as we are with maintaining our vehicles. The speaker also emphasized the importance of loving what you do and taking care of your physical health for professional success. Additionally, he mentioned the benefits of using Balance of Nature to obtain the nutrients of fresh fruits and vegetables quickly and easily. For those facing financial struggles, especially after a divorce, it was suggested to focus on increasing income and applying to various jobs, such as beyond just being a personal trainer.

    • Struggling Single Parents: Prioritizing Personal Circumstances Over Financial StabilityPrioritizing personal circumstances over financial stability can lead to significant challenges, especially for single parents. Focusing on financial stability can provide better opportunities for children and improve overall living situation.

      Prioritizing personal circumstances over financial stability can lead to significant challenges, particularly for single parents. The woman in this conversation has been struggling to make ends meet since her divorce, relying on inconsistent sources of income and state assistance. She's been unable to secure a full-time job due to childcare issues and her ex-husband's unpredictable work schedule. The conversation highlights the importance of setting priorities and focusing on financial stability to provide for one's family. The woman is encouraged to redefine her idea of a "good mom" and prioritize her career to improve her financial situation and provide better opportunities for her children. Ultimately, having a stable income can help solve many of the challenges she's facing and give her more options to improve her living situation.

    • Financial stability is crucial during uncertain timesFocus on stable jobs and income, avoid debt, and prioritize financial security for family's well-being

      Focusing on making money to provide stability for yourself and your family is more important than following your dreams during uncertain times. The speaker emphasizes the importance of being able to pay bills and provide for your children, as their well-being can be negatively impacted by financial instability. He suggests looking for jobs that offer stability and income, even if they may not align with your dreams. Additionally, he encourages reading books and taking practical steps towards earning money, such as applying for teaching jobs or working retail. The speaker also warns against taking on debt, especially for home repairs, as it can lead to financial instability and potential foreclosure.

    • Relying too heavily on debt can lead to financial hardshipsAvoid relying on debt and focus on financial stability to avoid unexpected challenges and potential debt traps

      Relying too heavily on debt and overestimating the ability to predict life's uncertainties can lead to financial hardships. The debt plan discussed may work theoretically, but real life often presents unexpected challenges, such as unexpected expenses, interest rate increases, and health issues. Selling houses as-is for less than their potential value may be a better option than borrowing against them and getting trapped in debt. Additionally, it's essential to acknowledge the risks of borrowing and the potential consequences of presuming control over unpredictable circumstances. From a financial and spiritual perspective, it's wiser to avoid debt and focus on maintaining financial stability.

    • Is Out-of-State Tuition Worth It?The speaker suggests that the educational difference between in-state and out-of-state schools is negligible, and investing in practical skills and vocational training could lead to better financial returns.

      Paying for out-of-state tuition may not provide sufficient value add compared to the cost. The speaker argues that the educational difference between in-state and out-of-state schools is negligible, and the decision to attend an out-of-state school often comes down to social factors rather than academic ones. Instead, investing in practical skills and knowledge through vocational training or coding schools could lead to better financial returns. The speaker emphasizes that the value of a degree lies in the knowledge gained, not the prestige of the institution. Therefore, it's essential to focus on acquiring marketable skills and knowledge to increase one's chances of success in the workforce.

    • Making informed decisions based on personal interests and valuesConsider interests and future plans for education, learn valuable skills, and prioritize relationships while considering finances wisely, including tithing as a personal choice.

      Making informed decisions based on personal interests, goals, and values is crucial for leading a fulfilling life. This includes choosing the right education path, building a strong foundation of knowledge, and making wise financial decisions. Regarding education, it's essential to consider what aligns with your interests and future plans rather than societal pressures. Learning valuable skills, such as writing, math, or coding, can open up various opportunities. Additionally, relationships are essential, but they should not be the sole reason for making significant life decisions, like choosing a college. In terms of finances, giving back through tithing is a personal choice that does not impact salvation. It's essential to understand that tithing is a recommendation from a loving father who wants us to live wisely, not a requirement for earning divine favor. Overall, making informed decisions and staying true to yourself is the key to living a fulfilling life.

    • Giving and expressing gratitude build stronger connectionsLiving wisely below our means and helping others transform their financial habits fosters stronger relationships and an abundant life

      Living below your means and giving generously is not a rule, but a gift and the best way to live. It's a spiritual, physiological, and relationship question. Giving and expressing gratitude help keep our focus outside ourselves and build stronger connections with others. God wants us to have an abundant life, not needing our money, but desiring us to live wisely. Helping someone with financial issues should involve correcting their behaviors, not enabling them. Parents may not want our help but our solutions. Enabling behavior only worsens the situation. The length of time someone has been financially irresponsible does not determine our responsibility to help, but our actions should aim to transform their lives, not enable their bad habits.

    • Setting clear financial boundaries with aging parentsUnderstand emotional aspect but prioritize financial realities, involve spouse, consider alternative solutions, and maintain healthy relationship

      Setting clear financial boundaries and creating a sustainable budget is crucial for both parties in a family, especially when dealing with an aging parent's finances. It's important to understand that the emotional aspect of the situation should not overshadow the financial realities. While it may be challenging to establish these boundaries, it's essential to prioritize guilt over resentment and remember that an adult child cannot continue to act as an ATM machine for their parent indefinitely. Additionally, involving the spouse in the decision-making process and considering alternative solutions, such as Christian health care ministries for affordable health care, can help ease the financial burden. Ultimately, the goal is to ensure that both parties' needs are met while maintaining a healthy and respectful relationship.

    • Setting healthy boundaries in relationships and wealthRecognizing the importance of setting boundaries in relationships and finances can lead to improved well-being, stronger relationships, and a more stable financial future.

      Establishing proper boundaries is crucial in managing relationships with family members and building wealth. Dr. John Ramsey discussed how the lack of clear boundaries can cause significant disruptions, leading to financial and emotional instability. He emphasized that setting boundaries can be as simple as agreeing to help or saying no, but it requires self-understanding and the willingness to have difficult conversations. The consequences of not establishing boundaries can result in family conflicts, strained relationships, and even the dissolution of marriages. It's essential to recognize that we cannot control others' actions but can control our reactions and our space. By setting healthy boundaries, we can create a stronger foundation for our financial future and improve our overall well-being.

    • Setting healthy boundaries with family during the holidaysModel healthy behavior, manage expectations, and allow reactions to strengthen relationships and reap unexpected benefits

      Setting healthy boundaries with family members, especially during the holidays, is essential for personal happiness and growth. This means being willing to have uncomfortable conversations, managing expectations, and allowing others to react as adults. By doing so, we model healthy behavior for our children and create stronger relationships. Additionally, it's important to remember that low expectations can lead to unexpected happiness and positivity in our lives. This includes our relationships with extended family and even our finances. It's never too late to start setting boundaries and reaping the benefits.

    • Effective Debt Management for Financial Stability and Retirement PlanningPrioritize debt repayment over other financial goals for financial stability and retirement planning. Avoid taking on large debts and focus on living below your means.

      Managing debt effectively is crucial for financial stability and retirement planning. The individual in the discussion had significant debt from a solar loan, alimony payments, and a high-value truck. The suggested action was to prioritize paying off these debts as quickly as possible, even if it meant sacrificing other financial goals like increasing retirement contributions or maintaining a desirable lifestyle. By doing so, the individual could become debt-free sooner and focus on building wealth through savings and investments. The experts advised against taking on large debts, such as for solar panels or a luxury vehicle, and instead recommended living below one's means and focusing on debt repayment. By following this approach, the individual could significantly improve their financial situation and achieve a more comfortable retirement.

    • Trust your instincts and financial common senseListen to your gut and prioritize paying cash for big purchases, like a house, over taking on debt to save your advisor money

      Individuals should trust their instincts and financial common sense when making decisions about their money, rather than relying solely on the advice of financial advisors. In the discussion, a listener was considering whether to buy a house with cash or take out a loan based on their advisor's recommendation. However, the advisor had a financial interest in the listener not paying cash, as it would mean less money for the advisor to manage. The experts on the show advised the listener to trust their instincts and pay cash for the house, as the housing market was experiencing a shortage leading to rising prices. Additionally, having a budget is essential for prioritizing important expenses and achieving financial freedom.

    • Paying off debts leads to emotional and physical benefitsPaying off debts can improve cash flow, reduce stress, and contribute to overall financial well-being. It's important to consider individual circumstances before making a decision.

      Paying off debts, even if it means reducing income from investments, can lead to significant emotional and physical benefits. Despite the financial advisor's caution against it due to market volatility, the individual's decision to pay off debts would result in a net gain and a better cash flow in their budget. Additionally, carrying debts does not contribute to wealth accumulation. It's important to remember that not all financial advisors have the client's best interests at heart, and enthusiastic but misguided advice can be just as detrimental as deliberate deceit.

    • Questioning Advice and Trusting Your InstinctsDon't blindly follow advice or trends, instead trust your instincts and make decisions based on what feels right for you. Prioritize paying off debt before making large purchases or investments.

      It's important to trust your instincts and not blindly follow advice or trends that may not be beneficial for you in the long run. Using the example of the grandmothers who were told margarine was healthier than butter, Dave Ramsey emphasizes the importance of questioning information and making decisions based on what feels right for you. Additionally, Ramsey encourages listeners to be mindful of their spending and prioritize paying off debt before making large purchases or investments. The caller, Kyle, is in a similar situation, having recently graduated with a large amount of student loan debt and feeling unsure of how to manage his new income. Ramsey advises him to be disciplined and focus on paying off his debt before considering other financial commitments.

    • Focus on debt repayment before investmentsPrioritize debt elimination and financial education before seeking external advice or investments to improve your financial situation.

      If you find yourself in a high-income situation but burdened with debt, focus on eliminating that debt first before considering additional investments or financial advice. The speaker emphasizes the importance of financial education and making informed decisions, rather than relying solely on financial advisors. Additionally, the speaker encourages listeners to pursue career advancement opportunities to increase their earning potential and improve their financial situation. Overall, the message is to prioritize debt repayment and financial literacy before seeking external advice or investments.

    • Gold's Inflation Hedge MythDespite popular belief, gold's historical performance as an inflation hedge is questionable, as its value in real terms has not kept pace with the S&P 500's growth, and it doesn't produce income through dividends or interest.

      Gold is often seen as a reliable inflation hedge and preferred investment by some, but the data and historical analysis presented in the essay suggest otherwise. Gold does not produce anything and serves only as an inflation hedge, but its performance as an inflation hedge is questionable. For instance, an ounce of gold bought for $800 in 1980 is now worth $1,965, but its value in real terms, adjusted for inflation, is far less than what it would have been if invested in the S&P 500. The S&P 500, on the other hand, would have grown from $115 to over $4,400, a significant difference. Additionally, gold does not pay dividends or interest. The illusion of gold as a superior long-term investment to a diversified portfolio of high-quality stocks persists, but the data and analysis presented in the essay challenge this perspective.

    • Gold as a speculation, not an investmentInvest in real estate, mutual funds with cash and avoid gold as speculation for long-term wealth growth.

      Gold and other commodities should not be considered investments but rather speculations. The discussion highlights the example of an individual who buried $400,000 in gold bars, only to find out that they had lost value due to inflation and potential damage from the elements. Instead, building wealth through investments like real estate and mutual funds, paid for in cash and without debt, has been proven to be more effective over the long term. Fear can often cloud judgment and lead to poor financial decisions. It's essential to approach investments with a clear head and a long-term perspective.

    • Learn to create a budget and eliminate debt with EveryDollarJoin a free live training to learn how to use EveryDollar's budgeting app to create a budget, eliminate debt, and reach financial goals using the snowball effect

      Having a budget in place is crucial for managing your finances effectively. George Camel, from EveryDollar, is hosting a free live virtual training on September 19th at 11:30 a.m. Central Time, where he will demonstrate how to use the world's best budgeting app to help individuals create a budget, eliminate debt, and reach their financial goals. The training, led by the inspiring story of Dennis and Shelby from Washington State who paid off their house in seven years, emphasizes the importance of giving every dollar a name and following the snowball effect. It's never too late to start, and the benefits of being debt-free include financial freedom, peace of mind, and the ability to give more. Join the training at everydollar.com/budgeting to learn more.

    • From Skepticism to Debt-Free in RetirementRegardless of age, following a proven plan and staying committed to financial goals can lead to debt freedom and a fulfilling life.

      With the right plan, determination, and support, it's never too late to become debt-free and secure your financial future. Dennis and Shelby from Tacoma, Washington, proved this by paying off their house and other debts within seven years of retirement in their sixties. Despite initial skepticism from others, they stayed committed to their financial goals and found joy and peace in their agreement and shared journey. Even those in their 40s, 50s, and 60s can learn from their example and set up a rewarding next chapter of their lives. As Proverbs 14:15 states, "The simple believe anything, but the prudent give thought to their steps." By following a proven process like the Baby Steps and staying focused on their goals, anyone can turn their financial situation around and live a debt-free, fulfilling life.

    • Millionaires don't borrow against homes to investFocus on paying off homes and investing freed-up funds for financial success, avoid debt and expensive degrees.

      Based on the study of real millionaires, it is uncommon for them to borrow against their homes to invest, instead, they focus on paying off their homes and investing the freed-up funds. With a combined income of $420,000 and a paid-off house worth $330,000, this individual is on track to retire with over $10 million, all while avoiding financial stress. A smart move would be to invest in a 529 plan for their child's education and continue building wealth through mutual funds and real estate. The key to financial success is knowledge, not debt or expensive degrees.

    • Achieving Financial Peace with InheritanceSmart decisions, discipline, and avoiding debt can help accumulate wealth by 65, even with inheritance. Focus on long-term growth and resist imprudent investments.

      With smart financial decisions, discipline, and avoiding debt, one can accumulate significant wealth by the age of 65, even with a financial head start from inheritance. However, it's crucial to ignore outside influences and focus on using the money wisely for long-term growth. The hardest part is resisting pressure to make imprudent investments or follow trendy but potentially risky ventures, such as TikTok. Ultimately, the path to financial peace lies in following the teachings of Christ Jesus. For those interested in getting started on the Baby Steps, visit RamsaySolutions.com and click on the "Get Started" button for personalized guidance.

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    Spending Money You Don't Have Won't Help You Win

    Spending Money You Don't Have Won't Help You Win
    📱Download your Ramsey Network App for free today! While we're out for the 4th of July, we've compiled some of our favorite Dave and Jade calls from the past year. Enjoy the long weekend and we'll be back with a live show soon! Dave Ramsey & Jade Warshaw answer your questions and discuss: ‘Husband is spent $14K on phone games’ ‘Take out a loan to get by for the next two years?’ ‘I'm in a lawsuit with cofounders of my company’ ‘How can the FDIC insure everyone?’ ‘I want a divorce but cannot afford it.’ ‘Take out small loans to boost my credit score?’ Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Churchill: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 💵 Start your free budget today. Download the EveryDollar app! 📚 Your summer reading list is here. Don’t miss these (cool) summer reads! Beat the heat with bestselling books that will make 2024 your best summer yet.  🏠 How to Buy a Home Course Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
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    en-usJuly 04, 2024

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