You're listening to Ramsey everyday millionaires where we talk retirement, building wealth,

and outrageous generosity.

Darryl starts off this hour in California.

Hi Darryl, how are you?

I'm Dylan Sein.

Good.

How can we help?

I'm wondering why the saving for kids college is part of the baby steps.

I don't know.

I don't quite understand why.

I should hand my kids that luxury.

Just give it to them.

I feel like if I build in the expectation that they can work at it to themselves, then

it will mean more and it will actually get them further in their life and their career.

I don't understand why that's in the baby steps.

Okay.

Well, I don't disagree that a lot of what you're saying is true.

But I will put out, you can teach people, yes, if you work your way through and if you

learn self-reliance and you and I are cut out of the same kind of cloth, I don't disagree

with your sentiment at all.

The other thing though is I've actually proven that paying for your kids college doesn't

ruin them because I paid for mine and mine are all three very productive, very ambitious,

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