It's Friday, and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Anthony O'Neill.

Dave, today's question comes from Caleb in Iowa.

He says, I'm 23, making $120,000 gross, and so far I've been able to earn my way out of the dumb financial decisions

I have made without really changing my lifestyle and I've struggled following a written budget.

I've been at baby step four without really ever really changing my lifestyle on more than one

occasion but always end up relapsing down to steps two and three.

In the next few weeks, I will once again pay off the non-mortgage debt I have and have my

three months emergency fund. Any tips on getting on board with a more responsible lifestyle

at this step so I can quit this cycle.

23. 23. You are the problem. And I think the, and I say that in a respectful way, Caleb. I think you,

you're asking us for advice. I think you need to look in a mirror and tell

yourself it's time for discipline and intentionality. There's no reason why you should be going

back and forth. You don't have nothing major happening in your life. It sounds like you're just making

poor decisions. And I always teach just a 23 year old, Dave, that the caliber of your future

will be determined by the choice you make today.

And he's not making the right choices.

And that's true, a 53 year old too.

So, Caleb, I think you're halfway there by recognizing the problem.

When you don't recognize that there's a problem, then you don't have to address it.

My dad used to say, knowing that there's a problem is 90% of solving it.

A lot of people are just unaware that there's even a problem.

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