Dr. John Delony
Appearances
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
You got to go get a job, two jobs right now.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Please tell me you keep a little journal somewhere with just a tally mark that says, not going to make it or going to make it.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Yeah, and there's something about sitting down with your wife and y'all put – it's arbitrary. Let's say two years. Let's put a deadline. We're going to be out of this barn in two years. Here's how much money we want to have. What must be true? How do we get that much money? Am I going to have to shoot on Sundays and Saturday nights and Wednesday mornings?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And I'm going to take as many of these gigs I can get. I'm going to stop saying no to things. What's she doing? What must be true for us to have this dollar amount to walk out of here and get that small starter home in 24 months, 32 months? And sometimes when you put a deadline on it, it doesn't feel like it's forever.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And you can just work yourself silly knowing there's a light at the end of the tunnel.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
All right, today's Ramsey Network app, it's from Hope. And personally, this hits too close to home, so I don't appreciate it, Hope. But here we go. My husband and I are in Baby Step 2 and have $12,000 more to go. We're so close. He's been fully on board with the Baby Steps until recently. He's an avid hunter and wants to go hunting this season.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
If he kills a deer, it costs around $200 to butcher it and between $2,000 and $1,000 to mount it. I told him we needed to decide together about hunting during Baby Step 2 and that I don't support him spending $1,000 right now. I reminded him that by next season, we'd have a lot more money and freedom to spend more freely. He says, I've sucked the fun out of hunting by asking these questions.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
He probably had to set down his pacifier to say that. He says hunting is his hobby and the only thing that makes him happy. That's a little insulting. Gosh, that's so dramatic. I have no problem with him hunting. I just want to plan financially before he goes. Am I wrong? Is his little face red? Was his little lip stuck out?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
That's some Froot Loops in his bib. My hunting makes me happy. That's the only thing that makes me happy. You're happy. God, you're killing me. There's two problems here. Number one, you're married to a toddler. That's number one. Number two, Hope, what you have done is you have created, you've exaggerated this. I hunt all the time.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Plus, no, this isn't the season to be mounting deer. And again, $200 to $1,000. If you're taking it to some fancy taxidermist, maybe... Again, this is one like, it's going to cost $1,000. It's not. It's not. Well, he may be or she may be. I don't know. Somebody's exaggerating. Well, I think she's exaggerating a bit because she didn't want him doing this.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And he is being exaggerating with his feelings on the other side. There's more things in his life that bring him joy than hunting. And also it's hunting season and him going on Saturday and shooting a deer to feed the family and to have some fun and get out in the sun is fine. But also if you're going to add $1,200 as a part of this, that's insane, right? $1,000 plus 200 bucks.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
The melodrama around this whole thing is just out of control. So it's getting all the way beneath.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I think both. I think both. And so, no, having a plan financially before he goes, is that wrong? No. I mean, what's $30.06 cost around now?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Or two, right? So $5 in ammunition, right? But, hey, it can add up gas and yada, yada. I do think you're right. Having a plan financially is important. It's good. And let's take hunting off the table because this seems to be a third real topic in your house. Let's say it's any number of things that you like to do. Baby step two is survival.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
It's about running and gunning, and you put a pause on expensive things. You put a pause on going out. You put a pause on some of these things. And so I can imagine Hope hasn't gone out to eat, hadn't been on a date, hadn't got her hair or nails done in a year, and husband wants to go spend $1,000 deer hunting. I get that. I get that. But I think beneath it, we have to say yes.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
We're going to have a financial plan before we do anything, anything, especially in baby step two.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Get our friend the Butcher Brothers on YouTube.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And so I'm saying this as someone who hunts a lot. I think there's some there's just some straw man going on here. There's some false realities here.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
We're just going to shoot does this year. We're not going to mount anything. We're just shooting for food this year. And I'm going to get out and get some fresh air. I mean, bow hunting doesn't cost you anything. Assume you get the arrow back.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
i mean it's this is jeff so yeah davis feels like he's a toddler if he's saying if he's really saying this he's acting like a toddler if he's really saying this but it sounds like hope has given up a lot this year and she wants to him to give up his thing and when you start keeping score that's the death of a relationship that's not necessary it's not necessary it's um
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Oh, I like that. But here's another example. We tell people, don't go to restaurants. Don't go out on dates. You can't afford it. You're in baby step two. But you can go for a walk together and hold hands in the neighborhood. You can put the kids to bed and light some candles and talk to each other and make a date around your house.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
You're just going to have to do it differently because you don't have any money. You're broke. And I think that's the same thing here. Yeah, exactly right. We're going to find some ways to do it, but man, everybody in this house needs to grow up a little bit. Jeez.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Yeah, is the goal to play baseball and be a good teammate and have fun, or is it to make yourself feel better at the expense of your 12-year-old?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Hey, James, we're talking about hunting and travel sports. Anything else you want us to talk about to get us canceled? I was going to put this question on with George and Rachel, but I think it worked a little better with you guys.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Are y'all of means? Stacey, you live in a $2 million house. I'm assuming y'all have money.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
He would be the guy that spends that kind of money on it, too. George gets scared at the deli section at Whole Foods. I can't see him out in the woods.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
That's all he wants to know. Excuse me, Mr. Deere, please don't eat those acorns. They have glutens in them.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
This is easy for me to say on this side of the ocean, but you're probably not going to get that money back. And just your husband making laps around the living room every night, existentially wondering if he's a good person. Is he costing his relationship with his dad? I don't know.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Hi, I'm good, Dave. How are you?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Well, Dave, to put it just straightforward, I kind of got lucky in the stock market. I'm up $180,000, but now I'm in a midlife crisis. I don't know what to do with my life. Should I put that money, go to school, or maybe should I get a property? I'm 24 years old. I think the properties in Chicago are not too expensive compared to other cities, but I would love your input. Yeah.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I think I can... Because my father is an electrician, so if I can follow through his steps, I can also get help from him. I think that's a noble career. Maybe not the best paying, but I think that's a pretty good career to have.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Our friend Ken Coleman just read a report recently about the explosion of millionaires who are plumbers and electricians who are creating businesses.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Yeah, maybe you're right. It's just like I've always been into business. I've always really liked it. I've always liked it.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I actually... Not really, if I'm being honest. I kind of really like real estate, which is why I want to buy a property, live in maybe the basement, and then rent out the first floor, and then I could basically live for the same price I'm living currently, which is, I've always lived below my means. Currently, my rent is $600, and I'm very grateful for the people that are letting me rent here.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I can imagine there. Here's the deal. Your father-in-law needs to pay back the money. He's probably not going to. He probably can't. And y'all now, Dave and I have been talking about this forever. Dave, for three decades before Ivan showed up, when you loan a family member money, you change the nature of your relationship together. Now you are invested in them accepting an offer on their house.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Leonardo, Leonardo. You're mimicking something you saw on Instagram. What do you want to do? You don't want to live in the basement while somebody lives above you. What do you want to do?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And don't watch social media and try to quote-unquote hack your way to wealth because that's what you're going to do. That's exactly it. You're going to give somebody $10,000 for their 10-step course to how to hack their wealth, and all you're going to do is make them rich.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Well, I think the matrix is your passions and your talents, the overlay. What does the world need? It's old Frederick Buechner quote. What does the world desperately need that you can provide? That only you can provide. Right. And, man, go make that happen. And the money will follow you, man. The money will follow you.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Dave, he said something, and he said it in his own unique way, but it's an old psychological trope. Wherever you end up, you go with you. He won on stocks. Young kid, won $180,000. He bet right. He threw darts backwards, which is what day traders do, and he won. And he thought that was going to solve everything. He made more in one cash out than his dad did in a year And he still was anxious.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And he said, I just want peace. I'm tired of stressed out all the time. And he realized, oh, I went with me. And so I don't want this life. I don't want this rattling around all the time. And searching for peace is always that alignment of where are you providing value and where are you working really hard and where are you getting better and better and better at a thing that you're good at?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And man, you just got to keep doing it. It's not a hack to that. You got to just keep showing up and showing up and showing up and showing up.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Right? That's a transaction that should be between them and any potential seller and what they want to do and whether they want to keep two houses or not. But now you're invested in it and you are now judging from afar their interactions, but it's because y'all loaned them money. Yeah. Right? So now the whole thing's a mess.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
All right, today's question comes from Abigail in West Virginia. Abigail writes, my in-laws are too much to deal with, specifically my mother-in-law. Abigail, she knows you wrote this. I don't know how mother-in-laws know. They just know. She has to stick her nose into everything. She has a key to our house, which was bought by my husband before we got married.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
She's folded our laundry, cleaned our house, and moved stuff while we were not at home. Oh, man. I've asked my husband to talk to her, but he told me he couldn't do it and told me to chill out. You don't have a mother-in-law problem. You have a husband problem. You have a husband problem. He's a wuss. God almighty. That makes me so uncomfortable to think my mom would come over to our house.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I can see a world where your husband sits down with his dad and says, Dad, I got mad. I blew my top. What's reasonable for a repayment? And there's also a thing where he says, Dude, this is a gift. I'm writing it off. I'm moving on with my life. What's your all's net worth?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
My mom's amazing, but my mom would come over and go through our- Unsolicited. Go through our stuff. Without your permission. And even more uncomfortable is my wife said, I need this to not happen again. And I said, I can't do it.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Oh my gosh. Abigail, you have a husband problem.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Yeah, and some pampers while he's there. Because he might TT in his pants while he talks to mommy. Y'all need to have this conversation. This is awful. Yeah, sorry. Sorry, sorry, sorry. This is awful. Mother-in-law is going to do what... Here's the deal. I think if... And maybe she's controlling. I'm going to give her the benefit of the doubt.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I think mother-in-law is trying to love her little baby the best she knows how. She's trying to be helpful, and she's screwed up. Yes, and she doesn't think you're loving him the right way, but she's not going to say anything. She's just going to keep doing it, and I think your cute little hubby is a gigantic 14-year-old, and he needs to grow up real, real quick.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And by the way, to husband listening to this, you don't call your mom and say, hey, my wife doesn't want you coming in the house. No. You'd be a grown up and you say, I messed up.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
We need to figure out how to do these things on our own.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And mother-in-laws. Don't break into your kids' homes and do their laundry for them unless there's like a medical crisis or a newborn and they've asked for your help. Don't do that.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Yes, of course. Show up with a key that you had before they were married.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
this just makes me sad yeah this is bad yeah and can I tell you this one thing so one time a friend of mine they were having some family stuff and it was a couple friend of me and my wife's and we've known them forever and ever and ever and they were going through some like just somebody passed away or something and I said hey let's get them a house cleaner just to come in and clean up and my wife looked at me and said are you crazy so what do you mean
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
She said, you know what that would feel like to me if somebody came over to see us and then they hired someone to come clean my house? Oh, it would be like an insult. It would be an insult. And so I've got to say, mom coming over to clean the house and do the laundry is a little bit of a flex. Right? It's a little bit of a flex. It's like cooking the lasagna. It's like, oh.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Because the recipe you got for lasagna is not as good as my recipe for lasagna. You're not taking care of my little boy the way he deserves to be taken care of. I'll come over and help. It kind of feels like Ray Romano's mom. It's like your underwear was folded wrong. Yes. I'm sorry, honey. I'll do it for you. And so, yeah, husband needs to grow up. Mother-in-law flex.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
This whole thing makes me feel uncomfortable. Dave, I never feel uncomfortable. This one does.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
No, because this kind of mother-in-law leaves a note that says, hey, I noticed things were messy, so I cleaned up and I vacuumed. Y'all have a great night. And it's just like a little... Oh, man. It's a total flex. But if you say anything, it's like, oh, I was just trying to help.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
She'll definitely mart her out. The old... Oh, okay. There's some old Dairy Queen napkins in the glove box. I'll just eat those. Y'all just go eat wherever you want to. I'll just eat the old Kleenexes, and I'll just sit in the car and be cold. And when y'all get done, y'all just come out. It's that.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Wherever you want to go. Done.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
There used to be a great little honky-tonk in Lubbock, Texas called the library. We'd be like, where are you going? I'm going to the library. All right. The honky-tonk. Going to the library.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Yeah. Yeah. Even today, my son is studying for his first round of high school finals. He's a freshman. And I know the science of studying. I know the pedagogy of studying. I have been a high school and a college teacher for my whole career. And he's got to go through this first round of finals. Studying the way he rolls his eyes and says, Dad, I know. Okay.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And it's hard because I want to go in there and say, this is what he's got to learn this time. And then next time we'll be able to speak from a place of, all right. I need some help. Show me how to do this. And it's hard. It's hard when your precious little Johnny's underwear isn't folded right. Mother-in-law. It's Abigail's husband now. Abigail. Back up. Back up. Be cool. Be cool, man.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
She has to stick her nose into everything. It's the move stuff while we weren't home.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Hey, everybody, listen to this. Helix, who makes the best mattresses on planet Earth, actually throughout the universe, they've extended their Cyber Monday savings. They've extended their Cyber Monday savings. Listen, I've spent my whole life sleeping on mattresses, ones that were not great. And sleeping on a Helix mattress has transformed my rest.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
It's made me a better dad, husband, friend, worker. Listen, I'm getting deep levels of refreshing sleep. And I say this all the time to anyone who will listen. Everyone in my family sleeps on a Helix mattress now. And my family, just like all of you, they're all different. All of us are different.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And because everyone sleeps in their own unique way, Helix has created different mattress models designed for side sleepers and stomach sleepers and back sleepers for everyone. And if your spine needs a little extra love, they've got mattresses for you too. Plus, Helix offers a 100-night trial, and all Helix mattresses come with either a 10- or 15-year warranty.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I want you to get online and take the Helix Sleep Quiz, just like I did. It's going to help you find the perfect mattress for you and your sleep preferences, and it takes less than two minutes. And here's the best part. Helix is offering our listeners extended Cyber Monday savings, 20% off all mattresses plus a free bedding bundle.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Go to helixsleep.com slash Ramsey for details and to save 20% off everything. That's Helix, H-E-L-I-X, helixsleep.com slash Ramsey. With Helix, better sleep starts right now.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
There you go. So Allison... I'm so sorry. Allison, let me ask you this. Yeah. How much of this spinning out, this, okay, what about this? I got a plan for this. I got a plan for this. Is just the utter loss of control you feel when somebody says the word cancer with somebody you love?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Because here's what it sounds like to me. Dave and I take calls all the time. You guys, for being in your mid to back half of your 50s. Are really in good shape. You're in amazing shape. Financially. And my mom is still a professor into her 70s. You can do your job for ages. AI may take it, right? But let's just pretend. You keep doing that. Yeah. You're in an amazing position.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
The challenge for you is to exhale and be present with your husband, which is going to be hard and scary.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Y'all are good, man. You're good.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Allison, have they put him on a clock?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
That is. So let's stay as optimistic as possible, and let's stay deeply in prayer, and let's try these clinical trials. Amazing. And let's remember that every second is golden when it comes to how precious it is. And let's let tomorrow's, you guys are in such great shape, let's let tomorrow's worries be tomorrow's. Right now, we're going to just celebrate and be in joy with every precious second.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Every city is going to be different. And I tell you what, I tell people all the time, I don't get nervous anymore. I get excited, but I don't get nervous anymore. I'm pretty nervous about this one. This one's going to be fun.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
There's a different energy. We make it up as we go, dude. Several thousand people in a fancy theater. It's going to be fun.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I like option one. There's something about owning it and calling dad and mom and saying, I shouldn't have done this. I did it. And y'all are free from it. And we'll be over for dinner on Sunday. I'm going to move on with my life. And for you regular people, it would be like if you loaned them $100.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Yeah. How long have you been unable to breathe, dude?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Okay. So give me two and you're done. You're at zero. You're free.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
But that means you can't hem-haw around every couple of weeks like, maybe I'll have some work this weekend. That means... All the time you're working. I have a job at Costco and I go straight from there on Saturdays to throw boxes at Walmart until 11 o'clock at night and then I get home and I get up at 6 a.m. on Sunday, I go to church, I go do it again.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And then I do my regular job Monday through Friday.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Okay. And if y'all stay together, your marriage will be so united because y'all know we can do anything together. And few things light up a wife like a husband with lasers in his eyes on behalf of the family. Yeah.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Don't loan family members money. Give it to them or say no thank you. Period. No exceptions. That's the rule. Give it to them. This show is sponsored by BetterHelp. Hey, it's that time of year. It's starting to get a little bit colder. It's getting a little bit dark earlier. And sometimes if you're like me, you just want to stay inside and get cozy.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
What up, what up? It's Dr. John Deloney from the Dr. John Deloney Show with some amazing news. The latest episode of United States of Anxiety is available right now exclusively on the Ramsey Network app. This docuseries follows real people from my show as they embark on a 90-day journey to transform their lives, and I personally walk alongside them every step of the way.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Okay, now, here's a sneak peek of what the new episode is all about. And don't forget to click the link in the show notes to download the app. What's up, Kelsey?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
What does crippling anxiety mean? Paint me a picture of that. All right, so you ready to jump in?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
We're going to check in with Kelsey 30 days, 60 days, 90 days.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
She's experiencing things that really hurt a long time ago. Tell me about this boy.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
It just feels like it would be exhausting to be Kelsey.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Whenever somebody's playing whack-a-mole with their anxiety, when it just keeps moving, that tells me the underlying system's not okay.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
One of two people that's supposed to never leave took off.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
You're a burden, that's right. To the one person who should carry it, all of it. Did you ever tell that little girl that it wasn't her fault?
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
You either have to choose to let this guy love you, or you gotta choose to let this guy go.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And for me, my perfect cozy night is me and all of my family piled under blankets, watching a movie, sitting by the fire, maybe even reading a book. And listen, whatever your perfect night in looks like, sometimes therapy can feel a bit like that. a time when you can settle in, finally exhale, replenish your energy, and begin to take care of yourself.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Therapy is a great way to bring yourself some comfort during the chaos and rush of the holiday season or any other time of year. Taking the time to pause and be mindful is one of the reasons I recommend BetterHelp. BetterHelp is 100% online therapy with licensed therapists. You can talk with your therapist just about anytime and just about anywhere so it's convenient for your schedule.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Just fill out a short online survey to get matched with a therapist and you can switch therapists for no extra cost. Find comfort this December with BetterHelp. Visit BetterHelp.com slash Deloney to get 10% off your first month. That's BetterHelp, H-E-L-P dot com slash Deloney.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
They may live for another 20 years. And so you've got 20 years of rent going up. And I would want to be in my seventies and eighties with my biggest asset set.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And, Dave, tell me if my matrix is wrong here. You've got Brenda, whose parents are in their 70s. So let's always want to pretend they might live to 90, okay? Yeah. That's five more presidential elections from now. To think we could predict what the world will look like in 20 years. It feels better for me to say, I don't know. So what I'm going to do is I'm going to solve for peace in the present.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And that looks like no house payment. Yep. That feels like a wiser choice than trying to speculate on, well, is this going to be a good investment? What's going to happen in 20 years? Yeah.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
I was going to say, and if you'd walk in with $100 million of cash and just started buying places, you would be worth – An unfathomable amount of money right now. A trillion.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
Or maybe tell me if this is a bad way to look at it. Cause I don't look at things like real estate investment, but let's say things let's pretend it went in half again in 20 years. And mom passes away. Dad passes away. They live 20 more years. Great times with the grandkids. And you have to sell that place. You're still walking away with a check for three or $400,000.
The Ramsey Show
You Can’t Win With Money if You Keep Ignoring the Real Problem
And let's pretend it cuts in half, which it won't. From today. From today. Wow, that would be unprecedented. You still walk away with a chunk of money, right? You're still okay is what I'm saying. Yeah, yeah. And so I guess this long-term stuff, like, I don't know.
The Ramsey Show
Your Debt Should Make You Uncomfortable
This show is sponsored by BetterHelp. Hey, it's that time of year. It's starting to get a little bit colder. It's getting a little bit dark earlier. And sometimes if you're like me, you just want to stay inside and get cozy. And for me, my perfect cozy night is me and all of my family piled under blankets, watching a movie, sitting by the fire, maybe even reading a book.
The Ramsey Show
Your Debt Should Make You Uncomfortable
And listen, whatever your perfect night in looks like, sometimes therapy can feel a bit like that. a time when you can settle in, finally exhale, replenish your energy, and begin to take care of yourself. Therapy is a great way to bring yourself some comfort during the chaos and rush of the holiday season or any other time of year. Take care. Bye. Bye. Find comfort this December with BetterHelp.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Visit BetterHelp.com to get 10% off your first month. That's BetterHelp.com.
The Ramsey Show
Your Debt Should Make You Uncomfortable
What up, what up? It's Dr. John Deloney from the Dr. John Deloney Show with some amazing news. The latest episode of United States of Anxiety is available right now exclusively on the Ramsey Network app. This docuseries follows real people from my show as they embark on a 90-day journey to transform their lives, and I personally walk alongside them every step of the way.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Okay, now, here's a sneak peek of what the new episode is all about. And don't forget to click the link in the show notes to download the app. What's up, Kelsey?
The Ramsey Show
Your Debt Should Make You Uncomfortable
What does crippling anxiety mean? Paint me a picture of that. All right, so you ready to jump in?
The Ramsey Show
Your Debt Should Make You Uncomfortable
So we're going to check in with Kelsey 30 days, 60 days, 90 days.
The Ramsey Show
Your Debt Should Make You Uncomfortable
She's experiencing things that really hurt a long time ago. Tell me about this boy.
The Ramsey Show
Your Debt Should Make You Uncomfortable
It just feels like it would be exhausting to be Kelsey.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Whenever somebody's playing whack-a-mole with their anxiety, when it just keeps moving, that tells me the underlying system's not okay.
The Ramsey Show
Your Debt Should Make You Uncomfortable
One of two people that's supposed to never leave took off.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Your burden, that's right. To the one person who should carry it, all of it. Did you ever tell that little girl that it wasn't her fault? I don't know what to do. You either have to choose to let this guy love you, or you gotta choose to let this guy go.