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Chapter 1: What is the main topic discussed in this episode?
Live from the headquarters of Ramsey Solutions, broadcasting from the Pod's moving and stored studio. Bit my tongue there, John. I got so excited. This is The Ramsey Show, where we help people build wealth, do work that they love, and create amazing relationships. I'm George Gamble, joined by Dr. John Deloney today, and this is your show America. So call us up at 888-825-5225.
And if you like this show, please consider subscribing, leaving us a review wherever you're listening, and sharing this with a friend. John, we just got some really cool data in from our listener survey, and it's amazing to see how many new listeners came from word of mouth. People saying, hey, John, you got to check out the show. You got to check out the show.
And there's only a certain amount humans can handle in their life, in the repertoire of podcasts and shows they listen to.
I have like four hours a week I can listen to a thing.
Exactly. Two of those hours, murder. They're saying, hey, Ramsey show, you're going to get an hour of my time. That means the world to us. And we truly believe that these principles, while it can be entertaining to listen to the show, it can also change your life.
And we, one of the things we talked about in there was the word of mouth. It used to be, I worked with the same 25 people and I might tell one of them over lunch or a couple people about, Hey man, I did something crazy. I paid off all my debt. Right. And they like, what? Like that used to be word of mouth. Now you can just listen to a podcast episode.
And if it's meaningful, you can just text it to 25 different people. Yeah. And so it's expanded this idea of word of mouth, or you can just forward the link of a YouTube clip or a YouTube episode to your mom or your friend or whatever. And so it's the ability to send these episodes out.
So if you listen to an episode, if you watch an episode and it's meaningful to you, it's impactful and you think, man, this would really, my mom needs to hear this call. Send it to her, forward it on to her, man, and bring everybody into our weird little gang.
It's a party. We love it. Grateful for you guys. This is your show. Let's get to it. Tanisha is with us in Washington, D.C. to kick off this hour. Tanisha, welcome. How are you doing?
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Chapter 2: Should I take out student loans for a career change?
I have $65,000 in student loans.
And what was the degree in that you got?
Sociology.
Okay. And that's all of your debt?
That's all of my debt. I just paid off my credit card a couple of months ago.
Awesome. And what are you making?
Combined with boat jobs, about $50,000. That's after not paying taxes and everything. At least that's what I made last year.
And living with your parents, your expenses are super low?
Yeah, I pay like $300 in rent right now.
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Chapter 3: How can I manage my finances while pursuing education?
And when that happens, it's very rare that they're not hiding some sort of addiction or some sort of other person in the relationship. I'm not telling you that to freak you out. I'm just telling you this is what we do for a living. It is rare that somebody just keeps blowing up money and spend $6,000 for a mower for your grandparent. What are you doing? That's just madness.
That tells me there's somebody who's out of control.
The it's okay. I was just going to tell you the backstory to that was kind of his, um, he lost his grandfather who was essentially his father figure a couple of years back. And, um, I think part of it is like in his mind, he feels responsible to take care of things for her.
Totally get that. Totally get that.
So I think that's kind of where that came from. And I was, Getting to where I could forgive that and we were working together, I thought. So now I'm at square one again because I'm like, you tell me you're telling me the truth and then you're not.
But there's also a difference between I need to take care of my grandmother and I have to spit on and completely dishonor my wife. You don't have to do one to do the other. I can completely honor my grandmother and get on Craigslist and buy me a mower that barely runs that will get the work done.
she did have a push mower i believe it's just i know i know here's the thing how long y'all been together five years approximately at some point and that doesn't have to be today at some point you're gonna have to stop defending him because you've been defending him for a long long time right You have an answer for everything I'm calling out. And George and I are both husbands.
We know how this game works. But you keep defending him. So you can defend him all you want until the end of time. But you can't breathe right now. And George and I can both hear it.
He's broken your trust, and that is the foundation for any relationship. And it's going to take a long time to repair, and it's going to take even longer if he continues to make these financial mistakes without talking to you. And even if he explains it, you get a vote. And right now, you haven't had a vote in this relationship, have you? It's always been him going, well, you don't understand.
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Chapter 4: How to address financial infidelity in a relationship?
You got to start with reality. Otherwise, you just end up all over the place, man. It's just an untethered feeling. I want this, but I can't have that. And then you end up with four kids stacked to the ceiling on bunk beds in your parents' house and your wife and your mother about to stab each other to death, right? And dad listens to murder podcasts. He'll never find the body.
It's a whole thing's a mess. All because, hey, we have to be honest about the world we've created for ourselves. And we wanted to do job X. It's not going to happen. We've got to go. I got to go work in IT. I got to start a yard business, whatever it is, because this is my reality.
And that's not a pessimistic or cynical take. No, it's a freedom. It's freedom. It's freedom. It's freedom. And if you live in New York City, but you also really want to be a homeowner, it might mean you have to leave New York City. You know what I'm not?
Brad Pitt. The chances of me being a lead romantic interest in a movie? Zero. Zero! So I can spend all that angst and all that energy, all that fighting, or I can try to become the best character actor of all time. You know what I mean? I can own reality and be the best at that thing. You just hit on something important. You and I both talk to young people who... They just moved to New York.
I'm just going to live there. I'm going to do this. And they find themselves living in a three foot by one foot coffin. It's a closet with a full kitchen and a bathroom and a bed in it. And they're paying $11,000 a month for it. And they can't move. And you just got to back up and go, what life? And they want a yard and a dog too. What? You got to choose reality.
I don't know if I could stamp that on the, if I could tattoo that on every person I come in contact with, I think we'd have a healthier world.
Well, and the sooner that anyone, whether they're young or old, the sooner you realize that the less resentment you'll have later on in life. When you look back and go, oh my gosh, I wasted so much time. And what if, and if I just had known, and if I just made that move. So the sooner you can look in that mirror and with full reality.
The good, the bad, the ugly, the sooner you can make the right path forward. Exactly. That's a good word. All right, let's go to the phones. Joshua joins us in Greensboro, North Carolina. Joshua, welcome to the show.
Hello, Mr. DeLay, Mr. Campbell. It's a pleasure to speak to both of y'all.
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