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The Ramsey Show

The Hard Road Is The One That Moves You Forward

01 Dec 2025

Transcription

Chapter 1: What is discussed at the start of this section?

5.532 - 35.522 Dave Ramsey

Brought to you by the EveryDollar app. Start budgeting for free today. Normal is broken, common sense is weird, so we're here to help you transform your life. From the Ramsey Network and the Fairwinds Credit Union Studio, this is The Ramsey Show. I'm Dave Ramsey, your host, Rachel Cruz, number one best-selling author, Ramsey personality, and my daughter is my co-host on this Thanksgiving Eve.

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If you don't know, William Henry Seward, William Seward, was Abraham Lincoln's Secretary of State. He was also the brains behind that presidency in a lot of ways, including he wrote a lot of Abraham Lincoln's speeches that became world-renowned and famous. including this proclamation that was issued October the 3rd, 1863, right in the middle of the Civil War.

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The Civil War would end about 18 months after this proclamation was issued by the President of the United States of America. Here's Lincoln. The year that is drawing towards its close has been filled with the blessings of fruitful fields and healthful skies.

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To these bounties which are so constantly enjoyed that we are prone to forget the source from which they come, others have been added which are of so extraordinary a nature that they cannot fail to penetrate and soften even the heart which is habitually insensible to the ever watchful providence of Almighty God.

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In the midst of a civil war of unequaled magnitude and severity, which has sometimes seemed to foreign states to invite and to provoke their aggression, peace has been preserved with all nations. Order has been maintained. The laws have been respected and obeyed, and harmony has prevailed everywhere except in the theater of military conflict."

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while that theater has been greatly contracted by the advancing armies and navies of the Union. Needful diversions of wealth and of strength from the fields of peaceful industry to the national defense have not arrested the plow.

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the shuttle or the ship, the axe has enlarged the borders of our settlements, and the mines as well of iron and coal as of the precious metals have yielded even more abundantly than heretofore. Population has steadily increased, notwithstanding the waste that has been made in the camp, the siege, and the battlefield."

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and the country rejoicing in the consciousness of augmented strength and vigor, is permitted to expect continuance of years with large increase of freedom. No human counsel hath devised, nor hath any mortal hand worked out these great things. They are the gracious gifts of the Most High God." who while dealing with us in anger for our sins, hath nevertheless remembered mercy.

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It seemed to me fit and proper. that they should be solemnly, reverently, and gratefully acknowledged as with one heart and one voice by the whole American people.

Chapter 2: What proclamation did Abraham Lincoln issue during the Civil War?

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But, I mean, the president of the United States issues a proclamation to say thank you to God for his blessings. And if you didn't hear that in there, you weren't listening. That's exactly what this says. And it's so far afield from the way people think today, and especially people in Washington, D.C. think today.

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But man, what a great reminder of the greatness of these men and that their source was their faith.

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355.098 - 365.956 Rachel Cruze

Yeah. Well, and the acknowledgement of where they were at. You know, they were not naive to what was going on. And even the line with the, I don't know if I've ever, I mean, you said you've read this for every.

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366.136 - 367.358 Dave Ramsey

Yeah, I read it every Thanksgiving Eve.

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367.378 - 369.802 Rachel Cruze

Apparently I haven't done the show with you on this day.

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The other part of the cornball experience. I don't know if I've heard of it. The other part of the cornball experience is as you call in today, you have to tell us what you're thankful for. That's your ticket to own the show.

377.295 - 397.472 Rachel Cruze

There you go. One thing. I love it. Um, but no, where it was the, the part with those who are mourning and those who are orphans and widowed, you know what I mean? Like it's, it's the reality of the world. And so I like that they don't shy that he doesn't shy away from it. And yet rising above to the greatest message of what can be and what we're all, you know what I mean?

397.613 - 398.875 Rachel Cruze

It rises you up out of it.

398.855 - 415.011 Dave Ramsey

Yeah, it's a different... And even, I mean, Seward is Secretary of State, so he goes ahead and sends a message to the other countries that think they might come in while we're weakened and let them know that we're at peace with you, and you probably want to keep it that way.

Chapter 3: What does Dave Ramsey say about gratitude and Thanksgiving?

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You being at home, we're not going to shame you for if that's what you're asking. But buckle the kids in the tight little car for a year and get yourself clear, girl. And then you can go live a good life. This is Dave Ramsey. We all want to know that the money we give to charity is doing something that matters, that it's making a real change, giving someone lasting hope.

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And here's one way to make sure of that. Give to Preborn. They're the real deal. Proven, transparent, and changing lives every day. I trust Preborn, and you can too. They're on the front lines of the battle for life, partnering with clinics to offer free ultrasounds to mothers in crisis. Because when a mom sees her baby on that screen, something changes. It's not just a decision anymore.

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It's a person. And 80% of the time, when a mom sees that ultrasound, she chooses life. Your $28 gift provides one of those ultrasounds. Just $28 to be the reason someone chooses life. And at every clinic, the gospel is shared, giving moms the chance to choose life and find real hope in Christ. $28, one ultrasound, one heartbeat, one mom who realizes she's not alone.

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That's the kind of life-changing impact your giving makes through Preborn. Go now to preborn.com slash Ramsey or call 855-601-2229. That's preborn.com slash Ramsey. Brian is in Oregon. Brian, what are you thankful for on this Thanksgiving Eve?

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Family, for sure.

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Amen. How can we help today?

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So thanks for taking my call. My fiance and I are having a debate we want your help with. So May 8th of 26, we will be blending families, and we have five children, 30, 29, 28, 27, and 23. I have two life insurance policy, one that she is the sole beneficiary of, and then one that my children would be the sole beneficiaries of. So...

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She thinks that I should leave both policies to her and let her distribute that equally, which I'm not in disagreement with. We're just kind of looking for some direction that way.

1383.75 - 1404.821 Dave Ramsey

Okay. The purpose of life insurance is not to leave an estate. The purpose of life insurance is to support the people you leave behind that are counting on your income to eat. None of those grown people should be counting on your income to eat. Okay. And so I would not keep a life insurance in order to distribute to them, whether directly or indirectly through her.

Chapter 4: How can I support my daughter’s wedding plans?

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the emotional side of money. It gives you practical tools to finally make progress for good. We're going to show you how to do that. Pre-order right now for $24.99 and get over $100 in free bonus items, including the enhanced audio book. It's very cool. Early access to the e-book, instant access to an exclusive video, your financial checkup with Jade Warshaw.

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And you can book exclusive three-week online book club and live Q&A with Jade about the book as well. So pre-order today at RamseySolutions.com slash store. Or if you're watching on YouTube or podcast, click the link in the description. Jake is in North Dakota. Jake, what are you thankful for?

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I'm thankful Christ died for my sins, Dave.

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Amen and amen.

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Better gift than that.

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Never gets old. Never gets old. The greatest story ever told. How can we help today?

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Amen. Well, I recently read your book, Total Money Makeover. My wife and I have been kind of paying attention to your show for about a year now, and we've been able to merge our finances. We used to have separate accounts, but we've merged everything together. We've been paying down on our debt, but... I would like to be more intense about it, and I don't know how to get her on board with that.

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I don't want to be forceful. It's not my will to be forceful about it with her, but I would like us to be more intense and get out of debt.

2134.381 - 2143.073 Rachel Cruze

Okay, so what does that mean practically? I mean, how much more money do you feel like you could be throwing at the debt per month that you guys are just spending?

Chapter 5: What are the dangers of ignoring your instincts?

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Smells bad. Skunk in the bush. Don't get over there. It's a simple thing. But all of us get all intellectual and sophisticated and rationalize our way past.

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3773.592 - 3774.453 Rachel Cruze

And want to be nice.

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3774.553 - 3779.477 Dave Ramsey

That's another thing. And we want to be nice. And we just walk right past the stink right into the skunk.

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3779.457 - 3780.058 Rachel Cruze

Yep, yep.

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Chapter 6: How can I trust my gut feeling in tough situations?

3780.499 - 3798.748 Rachel Cruze

There's a book, The Gift of Fear, and it's a guy who used to do security, but he wrote this whole book and mostly towards women about, I mean, physical safety, but how many stories. It's like, oh, I got a bad feeling, but I still let him help me unload my groceries to my door. You know what I mean? Like bad things happen. And it's like that whole, I mean, that's like his number one thing.

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3798.728 - 3808.182 Rachel Cruze

And don't be afraid that, like, you know, you want to be a kind person. But sometimes it's like you don't have to be nice. It's okay. It's real. Better be not nice than dead.

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Chapter 7: What should I consider when deciding to move back home?

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The gut reaction is true. So, Thomas, whether it's this or something else, trust your instincts.

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It's God's spirit in you speaking up. It's saying, don't do it. Don't do it. And, Thomas, you notice how quickly I took you there, Thomas. I didn't even know what was going on. I was depending on that smell test.

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This episode is sponsored by BetterHelp. The holidays are full of traditions.

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Chapter 8: How can I help my children make smart financial decisions?

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Some of these traditions we love, some we just survive. And in addition to the traditions, let's be honest, this time of year can also be a time of noise and pressure and loneliness. Here's what I want you to do. I want you to ask yourself what really matters to you this year.

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And therapy can give you a space to do just that, to think, to breathe, to ask yourself what do you want this year, and to make room for peace. That's why I recommend BetterHelp. BetterHelp has over 30,000 licensed therapists that have helped over 5 million people worldwide with an average rating of 4.9 out of 5 stars.

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BetterHelp is online so it fits around your schedule even during the chaotic holiday times. You get online and just answer a few questions and they'll match you with someone who fits your needs. And if your therapist is not the right fit, you can switch anytime for no extra cost. This month, start a new tradition by taking care of you.

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Visit BetterHelp.com slash Ramsey to get 10% off your first month. That's BetterHelp, H-E-L-P dot com slash Ramsey.

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BetterHelp.com

3943.28 - 3967.853 Dave Ramsey

Well, tis the season. It's that time of year. In a few weeks, we're going to be doing a special giving edition of The Ramsey Show. We want to hear stories from you about how generosity has impacted you. Maybe you've been the giver or the receiver. Maybe you've had an incredible story that will inspire others to give by something that happened to you or through you. We want to hear about it.

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Go to RamseySolutions.com slash ask and put giving in the subject line. We do this every year at Christmastime, and it is one of our most popular shows. It's going to be December the 18th, so start sending in your stories now. RamseySolutions.com slash ask.

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Put giving in the subject line and tell us a little bit about the story, and we'll get in touch with you and make you part of our annual giving show. It's very inspiring. John is in Los Angeles. Hey, John, how are you?

3996.436 - 3998.98 Unknown

I'm doing well, Dave. Pleasure to talk to you today.

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