Val (the Canadian caller)

Oh, my gosh.

I'm so excited.

I'm so nervous.

I'm so glad you guys took my call.

Of course.

Well, I tell everybody here too.

And I guess the biggest lesson I've learned is unfortunately, well, fortunately, I've been listening to this Dave Ramsey show for a very long time.

And at the beginning, I didn't really, you know, I listened to it because I applied that.

I'm the type of person that will not sleep overnight because I owe money or I'm in debt.

And unfortunately, my ex-husband didn't feel that way.

But the good news is when I start listening to Dave Ramsey, there were so many red flags saying, we're not doing that.

We're not doing that.

I am, but he's not, but we've not been.

Fortunately or unfortunately, almost ended up on the street because of his gambling.

But when I tried to implement all of these things, it was very healing for me, even though very painful, that I realized we're not on the same page at all and know where we're going to be.

And he would just, you know, keep gambling, keep, you know, almost lost my mind and almost lost my home and so on and so forth.

So if nothing else,

Please, everybody that's listening, it's painful, but you have to do it because at the end of the day, it's going to happen anyway, so at least you're going to be prepared.

The other thing I want to ask, I'm 68 years old, and I've taken menial jobs, which I never think they're menial jobs, but not what I usually do in my life.

I've always worked with non-profits.