Today we have personal finance experts and my good friend joining us back Jade Warshall.

So Jade's new book, What No One Tells You About Money, is out January 6.

It's on pre-order now and you guys, she has an amazing story, and this book is such an

incredible gift.

So I can't wait for you guys to hear this conversation that I had with Jade around this book and just the ideas around all the emotions and money because it is so, so important. So here it is. Well, Jay, thanks so much for being on again. Absolutely. It's always so fun to talk to you. You know, when we talk about money, because we do stuff together a lot, whether it's hosting the show or events, you know, the tactical side of money, people want to know. They want to know about like how to invest and how to budget and all that's really important. But something that I feel like we touch on, even as Ramsey, but now I feel like you even more specifically now, talk about the emotions behind money. It's not just numbers. It is the

emotion. So, like, for you, when did that? When did you realize that? Because I think it's a big

part of handling money that people don't talk about. It is a big part. You know, you get the plan

and then, you know, Dave's famous words are the change, right? That's right. And you're change what

you're doing. Yeah, and you want to do that because you're seeing this wonderful plan laid out. It's so logical. And you go, yeah, of course, a thousand dollars saved. That makes sense. You know, pay off my debt smallest start. It makes sense logically. And then when you get to working it, you realize, oh, there's a lot more to this that I did not account for. Yes. And so when Sam and I we're in the middle of paying off our debt, you know, almost half a million dollars, I realized I was coming against these barriers and it wasn't numbers related. It was about the way I was feeling about actually working the plan. Yes, 100%. Yeah. You know, when you start, the truth is it's, it's tough. When somebody says, hey hey stop getting your nails done we feel that when

somebody says hey stop going out to eat maybe you're used to doing a Sunday family dinner every

right yeah we feel that in our emotions if somebody says something simple uh something as simple

as don't spend your money uh on the things that you'd like to spend your money on when you've been

working hard to be able to have a certain lifestyle,

we feel that.

Yes. And we have to combat the urge that says, wait a second, I deserve this. I've been working hard, I deserve to spend money what I want to spend it on. Yeah. You're telling me I can't spend it on this. I need to spend it on my smallest debt. There is a motion associated with that, and it takes time to be able to kind of sideline that and actually get to the thing that we're supposed to be doing. Yeah, 100%. Because we're not robots. We're not going to just like push through and just like type in the code and everything's fine. Right. We are people handling and we're going to have different motions. So for you, you mentioned you and Sam, you guys paid off, yeah. Was was it $460,000? Yeah, that's right. For you, what were like some of the high points, emotions during that process? And then what were times that you were like, oh, yeah, no, that was hard. I mean, obviously the highest point was when you're at the end. You're at the finish line paying it off. But throughout that, yeah, I experienced a lot of frustration because the truth is when you're working a plan like the Ramsey plan, there is a lot of

nuance. paying it off. But throughout that, yeah, I experienced a lot of frustration because the truth is when you're working a plan like the Ramsey plan, there is a lot of nuance and there's a lot of detail. And there's generally a time horizon of, you know, two to three years depending on who you are for us with seven and a half years. And so throughout that time, it's like, wait a second, I paid off the debt. What am I supposed to do now? Or what does the plan say about changing your withholding and you're forgetting things? Yes. And because of that, you start doing things incorrectly. And that costs you time. And so I experienced some frustration on that end. You know, trying to listen to the show to figure out, what did Dave say about the insurance, you know? now it's different because we have the new every dollar. But back then it was frustrating. You know, and then there's like the shame around past mistakes that you've made and trusting yourself again to be able to make the right decisions. Yeah. And then there's the anger of sometimes it's like, like John Deloney would say, it's not by my hand, but it's in my lap and I'm having to deal with this financial thing that I didn't cause. But it's here. It's my reality. You know, for some of us, student loans, my parents took out these loans. They said it was okay. And now I'm the one having to pay it back. That's unfair. Yeah. Right. So there's the anger. And there's just so much that we face, but I feel like if you can get to a point of acceptance, then you can start to win.

Yes, I love that. And I think, you know, for you, the story that you guys walked through is so real. It's so honest. And I love that you kind of put a lot of that together in your new book, which I'm so excited about what no one tells you about money. currently right now it's it's on pre-sale, but it's about to be out. It's so exciting because I think when people have the ability to hear people's stories, which you've done such a great job, the team was even talking about. They're like, we laughed, we cried, you know. But you do a great job storytelling throughout it. So tell me, number one, why did you want to write this? And the story element is so unique, which I love. What caused you to like go down that path? Yeah, well, my favorite books are story driven. And so I saw the opportunity there. A lot of times self-help books can be very repetitive. They can be boring. And I did not want to write that, Rachel. So writing this through the lens of Sam

and I's story, you're going to feel, you're going to hear the story from beginning to end.

And there's things in this book that I've never said out loud, which is one of the reasons

it's called what no one tells you about money because it is completely raw and real.

You will laugh in this book. The first story is absolutely ridiculous. And then there are stories in it that will make you probably cry. I cried writing it. And so it was very therapeutic. But I wrote the book because I know the way it feels when it's almost like there's an incongruency between what you want to do and what you're actually doing. Yes. And that can wear you down because it's like, I want to get debt free so bad. I want to take control of my money so bad. What is the problem? Is it? It's like Taylor Swift. Is it me? Yeah. I'm the problem. You know? And when you figure that out, it's like, okay, what do I do with this? How do I, what is this called? Do you want to have

some sort of vocabulary around what you're experiencing? And you want the tools to fix it,

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