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One of the things we've discovered at Ramsey years ago that has set us apart from the financial, professional financial goobers,

is that we figured out personal finances 80% behavior.

It's only 20% head knowledge.

The mathematics of becoming wealthy are really about the sixth grade level.

If you can do multiplication, you can understand compound interest.

And so it's within your grasp.

You don't have to be a PhD in mathematics to do it.

But the problem with understanding that personal finances 80% behavior is,

then you have to think, okay, what affects behavior?

And what you're going to always see woven through this show,

and you've seen it in the last few callers here,

and even the emailer is

behavior is all about relationships.

It's not all about it, but I mean, it's one of the relationships.

Your marriage relationship, your kids, your grandmother wants to give you a secret gift

that your cousins don't know about.

I mean, see, none of this has anything to do

with math. If you're just doing math, it's like $30,000 free dollars, yes. Right, right. Check yes.

Check yes. As George Straitwood. Yeah. Want you to do. There you go. Check yes. And so,

I mean, you know, mutual funds averaging 11.8% rate of return, check yes.

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