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

Chris is with us in Atlanta.

Hi, Chris.

Welcome to the Ramsey show.

Hey, Dave.

Thanks for taking my call.

So just a little bit of background.

I'm 42, and I haven't been debt-free all my life, probably

the last 15 years, but I feel guilty every time I spend money. We have 401k savings. We invest

money. I still work. My wife still works. But it pains me to spend

anything over $100 sometimes. So I was wondering if you could tell me, do you still feel that

even after 30 years of being debt-free or whatnot, because I feel it.

Our house is paid off.

We have no payments, and I still get that clenching in my stomach every time we have to go,

we do anything.

I can't relax and have fun.

I was wondering if you could tell me maybe how you feel or if you felt the same way

after you got out of debt and built a bunch of wealth.

It's not guilt. It's fear. That makes sense.

And what that is, as Dr. John Deloney would say, your body is remembering being broke.

And it's telling you that your your spending is a threat it's a

threat it's a threat it's a threat and so your fear activates that's what happened to me anyway

...