Dave Ramsey

That's the point.

And, of course, if you work for 35 years and you never get a raise, by definition, you're a loser.

And your husband's not a loser.

So the chance you work 35 years and never get a raise is zero, right?

Yeah, my point is that the calculation is conservative.

Okay, so you're going to be fine, but you have to do the budget and live on what you make.

If you run up a bunch of stinking car payments and go on cruises you can't afford and buy couches you can't afford and spend $40,000 redoing the nursery on a credit card because you had a baby and run around being a normal American and then whine because you're broke, then you're not going to have any of that money because you're not going to have the money to put money aside for retirement.

But you're not going to do any of that.

Okay.

Well, I mean, you can even upgrade your cars.

Just pay cash for them.

That's the whole thing.

There we go.

Yeah.

Wow, that's pretty amazing.

All right, Crystal is in Boston.

Hi, Crystal.

How are you?

Better than we deserve.

How can we help?