Well, it's always a treat when we have Dave Ramsey, who's also my dad, joining us.

And today we're going to talk about really a practical conversation about what you should

do differently with your money in 2026.

So be sure to like, subscribe, and share this episode with the friends.

All right, let's get started. Well, welcome back. Good to be back. It's a tradition. I know every January to talk through what needs to change about our money in 2026. So there are a couple of things we're going to go through you guys. And this is stuff that I feel like some of the things that Ramsey's known for.

But we're known for it because it works.

And so we're going to kick off with the thing that probably known for the best is paying off debt.

So getting out of debt in 2026 or working your way towards getting out of debt is a financial goal that you need to have if it's not already because we know the power of

not only emotionally not carrying debt, but also when it comes to the financial side that your

income is not leaving you. You're able to take your income and change your life with it.

You're able to change your family tree, invest, give, save, all of it versus it going out to

payments.

Absolutely.

Your number one wealth building tool is your income.

And so if you add up all your payments but your house payment and you can take that amount

and start putting it into an investment, you'd be a millionaire really fast.

It's crazy.

Yes.

How much of our strength, our mathematical strength, we willingly give away by

signing up for a car payment, master card for a vacation, on and on and on, stupid student loan debt.

Oh my gosh, the whole thing. It just piles up, piles up, piles up. So getting rid of that

opens up the ability to move from defense to offense.

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