If your private student loans are in default, you're not out of options.

Go to whyrefi.com slash Ramsey.

I've been wrestling with whether certain ways of making money are morally right from a Christian perspective.

I understand working for a salary, creating a useful product or service, or renting housing at a fair price.

But I feel conflicted about

things like stocks and bank deposits because they seem more indirect and harder to evaluate ethically.

For example, when you buy and later sell stock for a profit, it can feel like you're benefiting

without really creating value. And with banks, you do not always

know how your money is being used. Am I overthinking this? Or are some forms of investing more

consistent with Christian convictions than others? Yeah, I do think you're overthinking it, but I don't

take a shot at you there. I think, you know, you've got a great heart. I think you've got to use

God-given common sense and also that still small voice of discernment. And I think that when

it comes to just your general investing in banks, you don't need to feel guilty about making money

on your deposits or making money on your money market or making money on your investment strategy,

certainly what we teach here at Ramsey. So I think while you're overthinking it, I appreciate

where your heart is. And I think you just have to back off to, wait a second, am I in any way

making money through some type of Ponzi scheme, right? Now, that is dishonesty. That is lying. Making money

off of evil actions would be your meter. And so outside of that, I think you're overthinking

it. But I bring you, am I bringing harm to someone? Yeah, that's the other thing. Right. And so,

you know, when you deposit money in a bank and they pay you interest, you're not bringing harm to

someone. You can't control what the bank does. Okay, it's the same thing as if you go buy groceries

at a grocery store, they now have your money. If they go and do something evil with it, you

...