Brought to you by the Every Dollar app. Start budgeting for free today. Today's question of the day comes from Lauren in Missouri.

Yeah, she says, I listen daily and hear the phrase, don't listen to broke people quite often. What is the Ramsey definition of broke? So we know who in our circles not to listen to. I love this question. Well, broke people,

for me, a broke person is somebody who is not financially responsible. And you see that as the

fruit in their lives, right? They may have the cars in their driveway. They may have the house

that's next to yours and they're your neighbor,

but you get the sense that they're not managing their money properly. And sometimes I will say,

Dave, it's hard to know because unless you know this person, you know, on that financial level,

you may not know how they handle their money. But if you see them pull out a credit card when it's

time to pay for dinner, you know, if you see them pull out a credit card when it's time to pay for

dinner, you know, if you see that their houses, if you have an idea of where they work and

where they earn and you're taking a look at their houses and their cars, there's certain little

indicators that you're going, I wonder what type of, I wonder how they're managing their money.

Now, on a personal level, when I think about broke,

I think about paycheck to paycheck. And it's that person where your money's coming in and it's going

out. You don't know what you're spending it on. You're not on a budget. And at the end of the day,

because of that, you're not able to do the things that cause you to be a financially responsible

person. You're not savings.

You don't have savings. You're not investing for retirement. You are carrying debt. You're still

getting into debt, right? All of those things that we teach you to do, you're not setting your

family up and your children up long term for college and things like that. So that's kind of what I

would place it in as far as what I would consider

a person being broke or trying to gauge if a person is somebody that you don't want to take

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