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

Joining me today is Ramsey personality, Rachel Cruz.

All right, Leonardo is with us in New Jersey.

Hey, Leonardo, how are you?

Hey, guys, thank you so much for taking my call.

Rachel, my girlfriend, Alyssa says, hi, and you are her favorite.

Alyssa's my favorite.

That's great.

So my question is, from a leader's standpoint, how do I start effectively communicating

to my West Point peers slash classmates about investing, living debt free, and learning about finances

so they can avoid becoming a part of the 57% of military families who experience financial

hardships before we graduate.

It's really difficult to answer questions for people that aren't asking them um and stick your

nose in other people's business it's just very hard uh the only thing you can do is um the way you

live your life and you can talk about your experience and say this is what i'm doing and then that

can create some conversations and some

questions but the but just to start saying well the military has this problem and 57% of the

families and you know the number one cause of loss of security clearance in the military's financial

problems which is true by the way a third largest reason for dishonorable discharge is financial irresponsibility, which is true, by the way. We work with the military all

the time. It's a rampant problem just under the surface financial problems. And so, yeah, as an

officer or a potential officer, you'll have the chance to influence some of the folks in your

charge, hopefully on the

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