Well, hello everyone. I'm James Dobson and you're listening to Family Talk, a

listener supported ministry. In fact, thank you so much for being part of that

support for James Dobson Family Institute. Well, welcome to Family Institute.

Well, welcome to Family Talk, the broadcast division of the Dr James Dobson Family

Institute.

I'm Roger Marsh and on today's program we're going to get into a two-part conversation that's

probably going to hit a lot closer to home for you than maybe you'd like to admit.

We're going to hear from Dave Ramsey about personal finances and how to be better stewards

with the money to which God has entrusted us.

When you walk into a stereo store, you walk into a furniture store, you walk onto the car lot,

these people don't walk up to you and say things out of their mouth that they say on accident,

they've been trained on how to handle that conversation. And if they don't affect the sale then their

existence is not paid for and they don't get to stay. You know poor sales might have

skinny kids you know and so they're going to learn how to

sell they're going to learn how to assist you in that purchase and guide you

either with your spouse or against your spouse whatever is to their benefit in that

process. Some do it with

scruples and with a lot of class and others do it without ethics. If we're

honest with ourselves, each of us has a story about an encounter with a

salesperson who tried to persuade us to make a purchase

that really was not in our best interest.

Well, think about it this way.

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