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

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

Scott is with us in Atlanta, Georgia.

Hey, Scott, what's up, man?

Hello, Dave.

Hey, Dr. Deloni.

First of all, Dave, congratulations.

Dr. T is such a great addition to the lineup.

Well, thank you. We agree.

It's awesome.

Thanks, brother, Scott. And your check is in the mail, brother.

All right. Waiting for that.

Since I'm on BS2 right now. So anyway, to my question, my wife and I, like I said, we're on baby step too. We've got a ways to go.

We're currently cash blowing two kids through college. My parents who are 80 years old, never saved for retirement.

Dave, I called in last year. You helped me guide me through bailing my parents out of a financial crisis,

and then you sent them through FPU and set them up with a financial coach.

They fully completed both, and you also sent me boundaries, which I read.

Last month, they called me to tell me, not ask me, that they needed me to co-sign a loan for them

because my mom wants cosmetic surgery they can't afford at 80 so yeah I don't even want to ask

yeah I could I could make it exciting but it, but it has to do with dental work.

Oh, okay.

So I told them I was not going to dismiss the principles I live by to enable their behavior,

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