It's Thursday and 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 Nicholas in New York.

Nicholas asks, how do I say no to friends and family that want to go out and do things that just do not fit in my budget.

I'm currently on Baby Step 2, and I'm doing the debt snowball, and my budget is very tight.

I just always feel terrible saying no to my friends, and I'm afraid to lose them.

Any thoughts?

I think you're under 40.

Yeah, I think so.

I was going to say, I think so.

Nicholas, I'm just going to call out the elephant in the room here.

If your friends don't want to hang out with you, then you need to get some other friends.

They're not friends.

They're not your friends.

Friends that you have to pay for is called prostitution.

I wasn't going to go there, but Dave did.

So, yes. to pay for us called prostitution. That's, I wasn't going to go there, but Dave did. So yes, Nicholas, he's not your friends.

So to put it in perspective, um, when me and my friends, this is just five, six,

seven years ago, we got together and we were all trying to tighten up things financially.

And so we had fun at the house bringing leftovers over and you know there would

be quarter bottle of wine and a half two liter bottle of Diet Coke and a half eating casserole and

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