This is the Ramsey Call of the Day, part of the Ramsey Network.

Andy is on the line in Atlanta, Georgia.

Andy, welcome to the Ramsey Show.

Thank you very much.

I'm a huge fan and follower of Dave's steps for many years since I,

a while back, quit my job to gain ownership in the business and took like a 75% pay cut for a while.

So the envelope system got us through.

Awesome. Cool to hear. How can we help today?

Well, so I went through that period of time to gain ownership in a business. I've been able to turn the business around and grow it relatively significantly. So I'm no longer at the 75% pay hut level. And I've been a lifelong favor.

We're debt-free, have been for years, house has paid off.

We could technically retire if we need it to.

I'm 54.

But anyway, we're to a point where, I mean, our kids college is all funded.

I got to in college.

And I'm wondering at what point, is it okay to, or how do you get over the guilt when you want

to buy yourself a toy? I've never done it. I've always put the money in the bank. I've always

saved it. I've always been the responsible one, but darn it, I want a mid-engine corvette.

There we go. Say it out loud, Andy. So you guys have been so diligent for so long that now you're

like, I can't seem to let go of this money, even though I saved, I worked so hard. It just feels frivolous.

I love how Andy said, how do you get over the guilt? I was like, what guilt, Andy? I've never got it. Where is this guilt coming from? I'm a spender, Andy.

The fact that you said that shows that you're just such a saver, which is what's led to your success today.

So well done.

...