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

Joining me today is Ramsey Personality, Dr. John Deloney.

All right, today's question comes from Brendan in Rhode Island.

Brendan writes, I've worked hard for eight years after completing

graduate school at age 23. I paid off 14 grand student loans and a $13,000 car note. I'm 31 now and I make

100 grand a year as CPA. I have 80 grand in cash, 140 in retirement savings. I bought a condo

on which I owe 122 at 3.15%. I'm doing well, but I could be

doing better. I have money hoarding issues which are debilitating even on smaller purchases.

I worry about money more than I should for my level of success. My investments are 15% in bonds

because I'm afraid of a dip and cannot bring myself

to invest in excess cash. A six-month emergency fund for me would be 15 to 17 grand. How do I get

myself out of this hoarding in fear in order to boost my financial success?

Right off the top here, man, this question, I'm doing well, but I could be doing better.

Often folks get tied up in this elusive place where they're going to, quote, unquote, feel a certain way whenever they get to some sort of finish line.

And most of us don't take the time to articulate to ourselves what that feeling is going to feel like and so we make our

first million i haven't made one but then you just you're so obsessed with the next one because you

never stop to think you think this is going to heal you right and you don't ever get there and so

i'd love this to ask to sit back and say what And you don't ever get there. And so I'd love this to ask

to sit back and say, what are you chasing? What are you running from? What do you think you're

going to be? What's it going to feel like when you get to wherever you think you're going? Because

this person is just on a treadmill hitting up and up and up and up and up. And yet very intellectually

self-aware. Brilliant. Self-aware-aware yes because the language you're using

...