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Chapter 1: What is the significance of generosity during the Christmas season?
Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving and storage studios, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. We help people. build wealth, do work that they actually love, and create real, amazing relationships.
This day's shows are dedicated to giving, to generosity. It's our annual giving show in honor of Christmastime. Merry Christmas, America. Ho, ho, ho. Hey, we're glad you're with us. Rachel Cruz, Ramsey Personality No. 1 bestselling author, is my co-host today. And we're taking your calls all about giving. We want to hear your stories that are inspiring about giving and about receiving.
Generosity is the best thing you can do with money. It's the most fun you'll ever have with money. And we teach you around here that you will sacrifice to win.
Chapter 2: How can personal stories of giving inspire others?
You will live like no one else so that later you can live and give like no one else. So check it out. We want to hear your story. Open phones here at 888-825-5225. Jay in Washington, D.C. is with us. Merry Christmas, Jay. How are you?
Hey, Merry Christmas, Dave and Rachel. It's a real pleasure to talk with both of you.
You too. Tell us your giving story.
Yes, sir. So I'd briefly like to share today my family's progression of our generosity over the past couple of Christmases and what we have planned this year. But first, my why.
Chapter 3: What unique giving experiences have listeners shared?
So my three siblings and I were raised by a single mother who's a real hero to all of us. All four of us are successful adults, and so I have a real heart for helping single moms however I can. Over the years, of course, we were helped by family and friends and strangers in many ways, and so I feel compelled to do the same.
In 2020, my wife and my first Christmas after completing Baby Step 3, we were finally in a position that we could expand our generosity to beyond our church, and we opted to find a deserving stranger to help. So I chose a diner-type restaurant a few days before Christmas, walked in, and asked for the manager.
I asked him if he had any single moms working that day who could use a little hand up with a money gift for the holiday. Someone came to his mind right away and he was able to help me hand an envelope with a little over $200 to a grateful mom, two little ones. Last year, my family and I became a little more strategic than that.
I called a different restaurant about a month before Christmas and asked for the manager and if she had any single moms who could benefit from a monetary gift there. She immediately thought of one mom who had recently successfully completed rehab and
The manager and I schemed for a weekend shift for when this particular waitress was working, and my wife and my kids and I visited that restaurant for a drink and a slice of pie that afternoon. And we wanted to be anonymous, but evidently every employee in the place knew, besides the waitress, that we were about to give the gift. They were all smiling and watching us the whole time.
And about 15 minutes into our visit, we left the waitress a $400 tip and walked out. So this year, Dave and Rachel, I'm a public school administrator, and I get daily reminders of how blessed my family and I are through the course of serving my school community.
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Chapter 4: How does financial stability influence generosity?
And unfortunately, this year, I learned recently that two siblings who attend my school lost their father to an accident. And our school team reached out. to this newly widowed mom to see how we could support. And she shared that among other things, she was struggling with finances and, and because her husband handled all the financial matters.
Uh, I immediately thought that my family and I could personally gift them a subscription to Ramsey plus that she would really benefit from the financial coaching aspect of that. So I called your company and Rick, one of your longtime agents, shout outs, Rick answered. Um, I explained the situation on behalf of the company, uh,
He generously gifted the Year of Ramsey Plus to me to give to the widow. I'm really grateful for your company for stepping in to help. And, of course, my family and I have been talking about how we will outrageously give this year, and it will go to our widow and our school community. We have to help our single moms. especially those who are widowed. All these ladies are superheroes.
Absolutely. Yeah, they are.
Chapter 5: What impact does outrageous generosity have on individuals?
They do wear a cape, every one of them. And most of them work multiple jobs. Just to get by. And it's a very real thing. So you've touched a nerve. You really have. That's fabulous. Well done, Jay. Thank you.
I love that, Jay.
Thank you. Thank you so much for the inspiration. And we will continue. Amen. Keep it up, brother.
Chapter 6: How do personal experiences with giving shape our values?
Merry Christmas to you. Very cool.
What an amazing heart, Jay, you have. You and your sweet family. I'm like, that's... And I love the intentionality of calling the restaurant, talking to them, right? Like, you kind of build it up, and then his kids, Jay's kids, you know, going along on that as well. Like, there's just life-changing things playing out all around.
Well, if you can more carefully identify the target, you're more likely to hit the target.
Yes.
Random things. You kind of get – sometimes when you're doing this kind of weird generosity stuff –
you you get a little nervous and you start kind of thrashing around and get a little bit random and sometimes you miss the target you know it's not your giving doesn't do what it what you kind of hoped it would do uh but in his case he's being very selective and helping someone go okay that's that's a that's a person uh that okay now i've got that dialed in that's that's very cool
And you know what? I'll brag on Rick, our guy here, because I know he's talking about over in our Ramsey Concierge team.
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Chapter 7: What role does community play in acts of generosity?
And all of you folks out there that own and run businesses, that's a leadership lesson right there. You know, the way our team is led, they are one of the, you know, we teach them to have a self-employed mentality. Treat this place like they own it. Treat the books that you sell like you own them. Treat the stuff around here like you own it. And Rick treated that like he owned it.
He said, this is something that if I owned this company, I would give that. And so he gave that. Oh, by the way, if you're running the company, your leadership style needs to equip and empower your people to do that.
To be generous.
To be generous without asking. They don't need to check in. Just do the right thing. And, you know, he didn't give away $10,000. He gave away one year membership to Financial Peace University.
Chapter 8: How can we encourage a culture of giving in our daily lives?
We'll be okay. You know, it's okay. And so he's equipped. He's empowered to do that. People all through this place are. As a matter of fact, they're more than that. It's like we demand that they do it. It's part of their job. to be generous and to take care of people as one-offs.
Now, if you call in and just, you know, if you call in and make up a lie and try to mess with us, we'll charge you double, okay? So we do that, too, because we treat it like we own it. We don't want to be conned. But we do want to be generous. There's a difference, right? I mean, that's the thing. Yeah, no, totally, totally. Absolutely. Way to go, Rick. That's very, very cool stuff.
That's how it's supposed to be done. So you can, my point of that is, is if those of you that run small businesses out there, and lots of you do, you're entree leaders, entree leaders, meaning you're entrepreneurs and leaders. You can magnify your generosity just by empowering your team to do it. Because they have more touch points sometimes than you do. So it gives you a lot of ways to do it.
This is an annual giving show here on The Ramsey Show.
We'll be right back.
Welcome to the Ramsey Show. Rachel Cruz, Ramsey Personality, is my co-host today. As we do our annual giving show, we are taking calls from those of you telling your giving stories. We're less than two weeks away from Christmas. The Ramsey Christmas Cash Giveaway ends tonight at midnight. And by the time we're done, we will have given away thousands of dollars. Why do we do that here at Ramsey?
Because one of the things I've learned is that outrageous generosity changes me. Logically, you'd think that being unselfish makes you a generous person, but the opposite is true. Being a generous person changes your heart, and then you become less selfish. And that affects every area of your life.
Unselfish people are better husbands, better wives, better friends, better parents, better employers, better employees. People just want to be around you more. So when you're fired up because you're working the baby steps that's changing your life, it is time to start giving. Start developing that habit.
And while you're over there signing up for the free money, get the $10 sale on the Total Money Makeover books, the Baby Steps Millionaire books, all of Rachel's books. You've got hope. Don't keep it to yourself. Spread it around. Go to RamseySolutions.com. We've got the best deals running right now, so it's easy for you to find outrageously generous gifts for the season. Check them out.
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