Rachel Cruze

Yeah, they end up having to get out of their business that they started in the first place because some of these moves that they make, they just they get.

too excited too fast and make decisions on on a hopeful future that doesn't always pan out and so just limiting your risk and living with such autonomy joseph over your business over your own personal money creates a lot of peace in your life and i think for a lot of people they overextend themselves because they're confident they know what they're doing or they're trying to work the system of the credit card game and the credit score like all of this

too excited too fast and make decisions on on a hopeful future that doesn't always pan out and so just limiting your risk and living with such autonomy joseph over your business over your own personal money creates a lot of peace in your life and i think for a lot of people they overextend themselves because they're confident they know what they're doing or they're trying to work the system of the credit card game and the credit score like all of this

too excited too fast and make decisions on on a hopeful future that doesn't always pan out and so just limiting your risk and living with such autonomy joseph over your business over your own personal money creates a lot of peace in your life and i think for a lot of people they overextend themselves because they're confident they know what they're doing or they're trying to work the system of the credit card game and the credit score like all of this

And I'll just tell you, from a financial standpoint, you're going to win with wealth faster doing it the old-fashioned way of just living debt-free because you're going to have way more money freed up to invest and build wealth. And then also the other end of all of this, Joseph, that we talk a lot about on this show is just your mental state, like the idea of –

And I'll just tell you, from a financial standpoint, you're going to win with wealth faster doing it the old-fashioned way of just living debt-free because you're going to have way more money freed up to invest and build wealth. And then also the other end of all of this, Joseph, that we talk a lot about on this show is just your mental state, like the idea of –

And I'll just tell you, from a financial standpoint, you're going to win with wealth faster doing it the old-fashioned way of just living debt-free because you're going to have way more money freed up to invest and build wealth. And then also the other end of all of this, Joseph, that we talk a lot about on this show is just your mental state, like the idea of –

Having peace and like sleeping at night and not owing anyone anything like there's a level to that in your life that is huge that you can't put on a spreadsheet. Right. So there's an element of the holistic person that we look at when we talk about money and especially debt and debt robs so much from us, not just our income, but also our peace of mind. And so.

Having peace and like sleeping at night and not owing anyone anything like there's a level to that in your life that is huge that you can't put on a spreadsheet. Right. So there's an element of the holistic person that we look at when we talk about money and especially debt and debt robs so much from us, not just our income, but also our peace of mind. And so.

Having peace and like sleeping at night and not owing anyone anything like there's a level to that in your life that is huge that you can't put on a spreadsheet. Right. So there's an element of the holistic person that we look at when we talk about money and especially debt and debt robs so much from us, not just our income, but also our peace of mind. And so.

being able to be free from that and make your own decisions. And it's going to cause you to grow slower, Joseph, which is very frustrating. And I'll just say here at Ramsey, like, that's how we've done it. And there's things like the way that this business is, you know, there's multiple, you know, up to 12 P&Ls within the Ramsey, you know, under the umbrella.

being able to be free from that and make your own decisions. And it's going to cause you to grow slower, Joseph, which is very frustrating. And I'll just say here at Ramsey, like, that's how we've done it. And there's things like the way that this business is, you know, there's multiple, you know, up to 12 P&Ls within the Ramsey, you know, under the umbrella.

being able to be free from that and make your own decisions. And it's going to cause you to grow slower, Joseph, which is very frustrating. And I'll just say here at Ramsey, like, that's how we've done it. And there's things like the way that this business is, you know, there's multiple, you know, up to 12 P&Ls within the Ramsey, you know, under the umbrella.

You know, there'll be a certain P&L and we're trying to do a project. And it's like, nope, we got to wait on this. And you're like, oh, I wish we could just do it today. You know, like you, we want to be urgent with things, but it actually forces you to slow down and and actually make wiser decisions long-term from a business perspective, I believe. So, yeah, that's our sales pitch to you, Joseph.

You know, there'll be a certain P&L and we're trying to do a project. And it's like, nope, we got to wait on this. And you're like, oh, I wish we could just do it today. You know, like you, we want to be urgent with things, but it actually forces you to slow down and and actually make wiser decisions long-term from a business perspective, I believe. So, yeah, that's our sales pitch to you, Joseph.

You know, there'll be a certain P&L and we're trying to do a project. And it's like, nope, we got to wait on this. And you're like, oh, I wish we could just do it today. You know, like you, we want to be urgent with things, but it actually forces you to slow down and and actually make wiser decisions long-term from a business perspective, I believe. So, yeah, that's our sales pitch to you, Joseph.

But you're an adult, so you get to make your own decisions with it.

But you're an adult, so you get to make your own decisions with it.

But you're an adult, so you get to make your own decisions with it.

Yeah. Yeah.