Hey guys, my name is Dave Ramsey. Welcome to a message of hope. I do a talk radio show called the

Dave Ramsey show for those of you that are new to us. I've been doing it for almost 30 years,

taking calls from people, asking me questions about their money and their life. That is evolved

into a whole company called Ramsey Solutions where we talk about all areas of people's lives,

and certainly there's a lot going on in our culture right now. With me for this conversation

tonight is Rachel Cruz, number one bestselling author a couple of times over, and a big star on

YouTube is a team member of ours, Ramsey Solutions Ramsey Personality. She's also my daughter,

and Ken Coleman is with us, Ramsey Personality, number one bestselling author of the book

Proximity Principle, and he does the Ken Coleman show on careers and jobs, and has been doing that

for quite a while on radio stations all over America in a very popular podcast. So they're going to

join in with this conversation in this time of weirdness, this time of crisis, this time of

fear in America today. People are really scared. Some are terrified, some are hysterical,

some are just concerned, and I don't know which category you fall into tonight,

and most of us kind of vacillate among those categories depending on what we're talking about,

whether we're talking about the medical issue with the coronavirus, or we're talking about the

corona shutdown, and the number of jobs lost, and where we are there, it's just a hard time

in our culture right now. Certainly in the United States and for that matter around the world.

So the first thing we want to tell you is this, I'm old, you can tell, I've been there,

and we're going to get through this. You're okay. It's going to work out. I was there when Y2K

was going to end the world and it didn't, and businesses went crazy, and jobs were a miss,

and the economy was crazy, and I was there after 9-1-1, some of you weren't born yet. I understand,

but there was a time there that we really worried in America, and we grabbed hands and we were unified,

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