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

Joining me today is Ramsey personality, Rachel Cruz.

When we started this whole thing called Ramsey, the Dave Ramsey show was called The Money Game, and I had a co-host back in

the day, had two co-hosts back in the day. Now I've got a bunch of co-hosts, different ones, obviously.

But when we started this thing, the whole idea was learning how to handle money with common sense.

Today we talk about careers and mental health with common sense as well,

relationships with common sense with Dr. D,

Dr. John Deloney, and Ken Coleman.

But the whole money thing was about how to handle money well

to get control of our lives and become outrageously generous

and wealthy and change our family tree.

That has over 30 years.

We've ended up spending an inordinate amount of energy towards that end to become wealthy

and generous to get people out of debt because that's the biggest blocker for them to become outrageously

wealthy and outrageously generous.

If you get out of debt, your most powerful wealth building tool is your income.

If you invest $100 a month from age 25 to age 65 in a decent growth stock mutual fund,

it will be $1,176,000.

You retire a millionaire, 25 to 65.

But you can't have a $750 F-150 payment.

You can't have a student loan that's been around so long you think it's a pet,

a master card, American distress,

...