That's how you succeed in business, you do the right thing.

It's how you succeed in life, you do the right thing.

You know, I'm going to give up something today.

I'm going to live like no one else so that later I can live and give like no one else.

Here we are on the Sunday special with our very special guest financial guru, Dave Ramsey, super excited to have him on. But before we get to Dave Ramsey first, let's talk about your impending death. So the fact is that you're going to plot sometime. Hopefully not soon, hopefully much later. But you should have life insurance because life insurance is one of those topics everybody knows a little bit about, but do you understand it well enough to feel comfortable buying it?

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you can find the right policy in minutes at policygenius.com. PolicyGenius is indeed the easy way to compare and buy life insurance. Be a responsible adult. Don't be buried in a pauper's grave. Make sure that your family has money left over if, God forbid, something should happen to you. Go check them out at policy genius.com. again, policy genius, the easy way to compare and buy life insurance. Well, Dave Ramsey, thank you so much for stopping by the program. I really

appreciate it. Well, I'm honored to be here. You're a legend. It's honored to be on with you. Well, I mean, right back at you. My family's been listening to you for a long time. I didn't know about it, apparently, as it turns out, over the weekend, I found my in-laws listened to you,

and my wife apparently listens to you, and I didn't know about it, which says something about

both our marriage and the success of your show. And I want to start by asking you, now I want to get into your financial strategies and kind of your life strategies, but what is your background for people who don't know your story and how you came to your kind of realizations and program about financial independence? Yeah. Well, I started out with all these letters and licenses after my name that said

I was supposed to know something about money and I started with nothing.

And we ended up with about $4 million where the real estate by the time we were 26.

And back in the 80s, I was making a couple of hundred a year, which neighborhood I grew up, we called that rich because of starting from nothing. But I was stupid. I had borrowed too much money, and I spent the next two and a half years of my life losing everything we owned. Too much debt. And I got a Ph.D. and D.U.M.B. We got a chance to start over with a brand new baby and a toddler and a marriage hanging on by a thread.

And so kind of pierced through the academics and through the lens of faith and through the

lens of common sense found really common sense money stuff. And we started doing it ourselves.

And it was 30 years ago. Maybe you can explicate some of the baby steps that you use because I know so many

people who have had serious debt problems and have been attempting to get out of those who have used

the steps that you talk about. So what are some of those steps that you talk about? You know,

what we figured out was that was that personal finance, I kept trying to fix it with the math,

because I'm a math nerd. And then I finally figured out it wasn't a math problem.

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