Brought to you by the Every Dollar app. Start budgeting for free today. Larry Burkett used to be on the air

a thousand years ago. He did a Christian radio show. Money matters, it was called, about what the

Bible says about money. And he's one of the guys I learned from. I certainly learned what the Bible says about money from Larry a lot.

He passed away several years ago.

We became friends before he passed away, but at first I was just a fanboy.

And he used to say, debt is never the problem.

Financial problems are never the problem.

They're always the symptom. So you need to keep that in mind because that's how we're going to view it. Personal finances, 80% behavior, it's 20% head knowledge. So if you have a student loan debt that you've made no progress on for five years,

the student loan debt is not the problem.

The new triplets that just came were not here for the last five years.

They're not the problem. The interest rate is not the issue.

This is not an interest rate issue. This is a you problem. And John, when people get to the bottom of that,

that's the beautiful thing about the work you do in counseling, with a Ph.D. in counseling and the work that the reason you joining this team is Ramsey personality is a perfect overlap to our approach to money because the interest rate is irrelevant because you haven't dealt

with you. That's the thing. When you deal with you, you're not only going to get financial peace,

two words that don't go together like airline service, but you're also going to get

progress and wealth. Until you deal with you, you're not

going to get any of that. Right. And it's hard to sell somebody on that when they're so convinced

from a TikTok ad or TikTok's, you know, swipe or whatever, where they got the information.

And I think a lot of us sit in our house,

man, and we just spin out with life's problems. I can't imagine having triplets just show up

after having a couple of other kids. Whatever your problem happens to be, you lost your job,

your marriage is falling apart, whatever it is. And it's so much easier. We have so much

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