Dave Ramsey

Personal finances, 80% behavior is 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 reason you joining this team as a 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.

and it's so much easier we have so much distraction in our world we can just spin our wheels and jam that gas pedal into the bottom of the of the car thinking we're going real fast and we're going nowhere we're just avoiding but money is such an interesting topic because it lets us um it lures us to our own death because it makes us think we can fix it by fixing the math

And the math is very seldom the problem.

The math is the symptom.

It's not the problem.

The problem is our spending, our income, our lack of control, our lack of working together, our choices, just our behaviors and our, our, our principles by which, but, but we somehow think we can unplug from all of this stuff that's called our life and set this money thing over here to the side and just fix it with just math.

And the reason you can't is it doesn't unplug.

It's sitting there right in the middle of your freaking life because your life is impacting it.