Ken Coleman

And let me just say to you, the fact that you would call about this says what a great heart you have. Yes. And I mentioned it very briefly while Rachel was talking. Don't underestimate the gift of your time. Don't underestimate the gift of your talent to build the giving muscle. There is no guilt here. You're a good guy. But how can you give your talent away? How can you give your time away?

And let me just say to you, the fact that you would call about this says what a great heart you have. Yes. And I mentioned it very briefly while Rachel was talking. Don't underestimate the gift of your time. Don't underestimate the gift of your talent to build the giving muscle. There is no guilt here. You're a good guy. But how can you give your talent away? How can you give your time away?

And what that does is that begins to build that muscle because you go, man, that was great. I gave some effort. It was something that I cared about. And the last thing I would say is I love Rachel's advice. Keep that antenna up. Look for the littlest of opportunities to give money. It doesn't have to be huge. No, no.

And what that does is that begins to build that muscle because you go, man, that was great. I gave some effort. It was something that I cared about. And the last thing I would say is I love Rachel's advice. Keep that antenna up. Look for the littlest of opportunities to give money. It doesn't have to be huge. No, no.

And what that does is that begins to build that muscle because you go, man, that was great. I gave some effort. It was something that I cared about. And the last thing I would say is I love Rachel's advice. Keep that antenna up. Look for the littlest of opportunities to give money. It doesn't have to be huge. No, no.

It could be you're in the grocery store and you see a single mom, and you don't know if she's single mom, but the point is you just feel like, ah, it feels right. I'm going to go up there and drop $200 on her. Hey, hope this helps with groceries.

It could be you're in the grocery store and you see a single mom, and you don't know if she's single mom, but the point is you just feel like, ah, it feels right. I'm going to go up there and drop $200 on her. Hey, hope this helps with groceries.

It could be you're in the grocery store and you see a single mom, and you don't know if she's single mom, but the point is you just feel like, ah, it feels right. I'm going to go up there and drop $200 on her. Hey, hope this helps with groceries.

And just walk away.

And just walk away.

And just walk away.

Is the old, hey, I'm going to get the car behind me at the old drive-thru. Oh, yeah. That's always a fun one. You drive away because you never actually get the fanfare, and that's the key. You've got to drive away. You can't pull over to the side and go, huh? How about this guy? You can't do that move. You've got to drive away.

Is the old, hey, I'm going to get the car behind me at the old drive-thru. Oh, yeah. That's always a fun one. You drive away because you never actually get the fanfare, and that's the key. You've got to drive away. You can't pull over to the side and go, huh? How about this guy? You can't do that move. You've got to drive away.

Is the old, hey, I'm going to get the car behind me at the old drive-thru. Oh, yeah. That's always a fun one. You drive away because you never actually get the fanfare, and that's the key. You've got to drive away. You can't pull over to the side and go, huh? How about this guy? You can't do that move. You've got to drive away.

This is The Ramsey Show, where America hangs out to talk about their money, their profession, and their relationships. Thrilled to have you with us, America. 888-825-5225 is the phone number. 888-825-5225. Alongside the wonderful, the fabulous Rachel Cruz, I'm Ken Coleman, and we're going to start with Joan. Or Joanne, I apologize. Joanne in Baltimore. Joanne, how can we help?

This is The Ramsey Show, where America hangs out to talk about their money, their profession, and their relationships. Thrilled to have you with us, America. 888-825-5225 is the phone number. 888-825-5225. Alongside the wonderful, the fabulous Rachel Cruz, I'm Ken Coleman, and we're going to start with Joan. Or Joanne, I apologize. Joanne in Baltimore. Joanne, how can we help?

This is The Ramsey Show, where America hangs out to talk about their money, their profession, and their relationships. Thrilled to have you with us, America. 888-825-5225 is the phone number. 888-825-5225. Alongside the wonderful, the fabulous Rachel Cruz, I'm Ken Coleman, and we're going to start with Joan. Or Joanne, I apologize. Joanne in Baltimore. Joanne, how can we help?

Is this your idea or your husband's?

Is this your idea or your husband's?

Is this your idea or your husband's?