Dave Ramsey Meets Uncle Si’s Finances (Willie Knew This Was Coming)

Let's do a podcast here. We got a money guru. Hey guys, welcome back to the duck call room. We got guest host Willie Robertson. We have a special guest in the house today. None other than Mr. Dave Ramsey. Welcome Dave. Dave, welcome. It's an honor to be with y'all. Dave Ramsey. Now, we did a podcast earlier on Unashamed. Jayce had never heard of Dave Ramsey. What? So I just want to make sure. Well, Chase, he's a good guy. He just doesn't get out. Jayce thinks he's such the money guru here. Yeah. Oh yeah. He says he's a money guru, but hey, we got the real deal this way. Yeah. And we know Si's got a list of money questions because Uncle Si said you're never too old to learn, especially about cash. And we were talking a little bit about poker, which has probably been one of the biggest I've got detriment to Si's money. I've got two vices. Okay. One of them is poker. The other one is women. Oh my goodness. Oh no. You've been married for 70 years. Well, no, no. I'm right with Jesus. Okay. I've been talking about it all the time. It just sounded weird when you. Well, I'm just saying. Okay. But that's the only two things that will really get me in trouble. And that poker. You used to start the poker. Hey, not to go too far in poker. Right. I'm not going to lose, but you're so much right. What's your limit? How much? How much is too much? Hey, hey, he don't know no limits. Well, I can tell you. When is it too much? That's why he likes holding. When I feel bad, when I lose it. Oh, okay. How much is that? It's sometimes. We don't know. It changes. It changes. Oh, thousands. Oh. It takes a lot for him to feel bad. No, no. Well, look, we play with a bunch of idiots. And hey, and I'm included in that. You're one of them. Okay. Because hey, it's a happy band. They don't know what the word F-O-L-D means. Right. Okay. And not only that, I finally, me and him finally come to our senses as the Bible says it was the prodigal son that they, we used to play four cards, five cards, three towed peace, whatever. All the games. Any game that you can risk a lot of money on. Well, I just finally said, hey, now this is, this is insanity here because it's, if you spit in a, spit in a pot, that's a bad game to begin with. So Dave, you came to town. What'd y'all do this morning? We did a little duck hunting. I hunted duck with a dynasty, man. Yeah. It was a deal. I was really in sigh and Jace all out there. I actually only stone stone. I had a bad day today. I only killed one. Did you? I normally kill about 35, 50% of them. Okay. All right. Hey, fix your mic. What is with it? This mic. Well, every time you take a drink, every time you take a drink, you have to take the mic down. It's my hot chocolate. Let's do it. This is hot chocolate. Yeah. Why were you being so quiet today? Did Dave intimidate you? No, I was trying to figure out here what they was telling him because this man laughed all morning this morning. And I looked and I was listening and I said, I ain't heard nothing funny. Well, you're immune to it. Well, you must have enjoyed yourself though. I did. I had a blast. I had a blast. Jace was doing most of the talking. I said, I'm sure. Shocker. Yeah. And I said, Jace is blowing smoke. Yeah. I said, Dave, don't know it, but that's fine. That's okay. And Jace is talking to me saying I'm not talking and I'm like, there ain't enough air in this duck blind to get a word in edgewise. I'd say, yeah, if you have, that's why most of the rovers are bold is because when it's growing up, if you didn't scream, no one listened to you. You had to make an issue of it. You better speak up and you better be interested. Oh, yeah. Well, you got something to say. My favorite thing that happened this morning was Jace was telling Dave how hard it was to do four podcasts a week. Dave never said a word. He's like, man, I bet that is tough. How many hours? Oh my goodness. It was my favorite thing that happened. I was like, that's funny. Jace never realized what hard it was. Jace, what? He hadn't realized what he's forgotten what hard work really is. Yeah. Well, in his defense, he's actually doing a show where he has to prepare each show. Well, that's true. When I do a show, I just walk in there and we start answering the phone call. Has it always been like that? Yeah, I've always answered the phone call. It started as a talk radio show. No preparation. Well, how can I prepare? I don't know who's going to call. Hey, I didn't know it. This is a brother because he's in for he and fobs. Forget the script boys. Go live. Just improv it all. Improv it all. The whole thing is improv. Yeah. People call in and ask a question. We don't know what they're going to ask. So how do you prepare 30 years answering them questions about the only prep we got? So that's all I know. I know just from knowing you shortly. You answered your answers were exceptional. Bless your heart. Oh, I'm serious because look, it shocked me because my fans, okay, and our fans for this podcast, they were coming in. They asked all kinds of questions. You know, I really just thought I was with a bunch of knuckleheads, but they really impressed me with all the good answers that they gave the fans. Yeah. I said, I am telling them. I said, boys, I always thought y'all were just a bunch of stupid knuckleheads. I said, but since we've been doing this podcast, y'all have really impressed me. You know, you actually got good things to tell people that are having trouble with issues. There you go. Yeah. And that's, I mean, that's rare. Right. Because most people blow smoke. Right. You know, and don't give you anything to really fight what you're fighting. Well, I'm sure you've helped in that as well. You've given people. No, no, no. I was shocked. That we all did. Okay. Well, I was even more shocked when I give them some. Okay. Yeah. I was wondering if you were more shocked that they all go ahead and say that. So tell us what's happening. What's going on right now? Tell us your whole life. Well, it all began. What's the point of time? Little baby Dave. Little baby Dave. Was little baby Dave tight with money? Like when you were young, were you like, no, budgeting and stuff? No, I, uh, blowing it. No, I always was good at making money, but I wasn't good at keeping it. So I tried to out earn my stupidity for a long time. I bet a lot of people do that. Yeah. Oh, you have one of my problems. Uh-oh. Oh, he had one. What was it? I keep it in my money. Oh, there it is. Yeah. That's why I am with poker. I can win it. I can win it faster than anybody that we play with. Okay. Have a good snack. Got to leave it at the end of the night. But I don't keep it. There you go. There you go. Well, that was it. So, I mean, like, I mean, my dad is old school, uh, come off a farm. Mama did too. And so, you know, I came in one day and said, Daddy, I want to go down to the quick sack, get me an icy. He said, I don't think you need money. I think you need a job. I was 12. Took me down on the main drag down there in Nashville and printed up 500 business cards. Said Dave's lawns. I go knock on 50 doors and get the opportunity to cut these people's, take care of these people's lawn care. Well, I did it and I got 27 yards to cut at 12 years old. I think they call that child abuse with the push more. That's it. Hey, that's what I look at today. When you, uh, somebody comes to the, oh, you'll meet them. Oh, you yard, Mr. Robinson. Yeah. Well, when he told me the price, I said, no, get out of here. Well, my wife hired him later. Well, there it is. The only zero turn we had was we turned that push more fast. Yeah. Yeah. So I made me keep a profit and loss statement on my little business and that's how I learned how to make money and, you know, figure out if I was making a profit or not. My, it's so long ago, the dinosaurs are roaming the earth, but the minimum wage at, to be a whopper flopper at Burger King to go down there and flip whoppers, right? Was a dollar 65. And I figured out with a $3 yard that if I could cut it in one hour, I was making about double minimum wage. So I've always tried to make more. If I was going to be self employed and work hard, then you make working for somebody, right? And so that started the whole thing. And then I've been self employed almost my whole life from that. But it was a good lesson. Hard work. That's the one thing everybody don't ask me. You know, you, you seem like your anti education uncle side. And in a way I am, because it's just what you said. Yeah. People before me, that was my friends that had graduated, went to college, had two degrees and guess where they're working. Yeah. My, my, my, my, my, my, my, my Burger King. Yeah. For a dollar 65 an hour. Yep. And I said, wait a minute. You wasted how many years to get this? And then every time you go for a job interview, the, what do they always tell you? Oh, we can't use you. You're too educated. So in a way it did, it, it, it, it, it, it, you said Phil had two degrees. Well, maybe it's the degree. Maybe they got their degree and left handed puppetry. No, no, no. Hey, I've always said, okay, my hats off to anyone that will go and put up with all the BS, technology, spew out. To get a BS. Yeah. You know, we're a lighthearted podcast, but we're going to take a minute to talk about something that's really heavy, but it's important because new research shows that millions of women in this country are carrying around deep, long lasting emotional pain after an abortion. 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That's a dangerous thing. Everything's easy. You just push a button, stuff shows up on your porch. You push a button, you got to answer any question. You push a button, you got an easy button. And that's not bad because the good news is they, they, they're abundance thinkers, these two generations. They think anything's possible because anything's possible. And so they, they really think big and there's a bunch of them are really good. I got a whole bunch of them working on our team. We got about 700 Gen Zs and millennials on our team. And I love that generation, but they're impatient. Yeah. They want stuff fast. They're bad about. Want stuff fast. And sometimes people think, sometimes people think when they're impatient that they're being entitled and they're not really being entitled. They just are used to stuff happening quick. Yeah. And we just have to teach them the way you cook barbecues, not the microwave. You know, I mean, the way stuff happens is slow. Good stuff happens slow. So teach your kids to do hard things was my point. So like daddy taught me to mow that grass, you know, you get a callus on your hand and you know, you don't, you sweat and you got to make Mr. Carnahan happy and Mrs. Parnell got to get her bushes right and all that stuff. And once you know how to do that stuff at 12 years old, you do a lot of stuff. You teach your kids how to do hard things. It's not punishment, right? But hard things make life good. Well, that's the difference between like my childhood generation. Okay. And now, yeah, because I'm like you, you know, knock on the door. Mama, I just come in there. I'm still asleep. You know, he was, you know, the farmer is knocking on the door. It's hay hauling time. So he usually got time in the field to haul hay. Well, now they've moved into the higher bracket. They're working for daddy in the oil field, making more money than what they did at hauling hay. So I'm like 10 years old. Yep. You know, and they say, well, I got to have somebody. You know, mama said, well, good grief. He ain't 10, Jimmy. Yeah. And he said, Mr. options, I'll take care of him like he's my own son. I'm gonna work him like a mule. Yeah. I'm gonna work him like a doll. Like a rented mule. Oh, hey, here I go. And look, you know, when she broke my heart, the first paycheck, I'm proud. I've already got all these big things I'm going to do my paycheck. Well, the first thing that mama does when I get to paycheck, she snatched it out of my hand and she says, go close. No, you gotta pay the man. Yeah. You gotta pay the man. You gotta understand what's going on. Yeah. Not only did you pay taxes, but now you're gonna buy, you're a working man. You're gonna buy, and I got the working man blues. You're gonna buy your own clothes. No. And look, kids today don't realize that I'm old five acres for like a dollar or eight acre with a push more. Yeah. Yeah. Nowadays, hey. You needed an agent. You got a green in your yard. Okay. And they'll charge you $400 to mow it. They make some serious money with this, just, you know, lawn cares thing. Yeah, it's a big deal. It is a big deal. One of the things that I learned about Si when, when Duck Dynasty got big and, you know, he pulled me in with him and said, Hey, hang out with me. Make sure I don't do anything dumb. One job is to keep me from being stupid. And I never can do that. No. But I will say that Si did pretty good with his, with his money and his investments. And, and I think it's because early on he learned a lesson from his uncles. Is that your uncles that made the money? Oh yeah. John Hale. And what happened? They, there's that family and his family and the brothers, they saved like, like $20,000 at working their tail law in the old field. And then they suckle well themselves. You know, they're, they're, they're the owners. Well, they, they lucky and it blew the top of the jerk out. Well, you know, here you got country boys, redneck country boys, poor snakes, never had any money. Well, now they got like anything they won't, they got the money for it. And it run, it run, run John Hale's life. He lost his family, divorced, bankrupt, because he didn't know what to do with it. So that did that. Yo, my grandpa used to say enough of anything's too much. No, no. Just think about it. So redneck, young man in his early twenties. Yeah. And he's, he's went from poor as a snake. Okay. To a millionaire, a millionaire. He's got all. Well, it run it. Yeah, it'll do it. That's anybody. That's not just redneck. Well, no, no. That's another thing that Robbison's impressed me with. Okay. And I was the reason why your older brother, because he said, hey guys, if this thing becomes a big hit, not only is there going to be a lot of money involved, well, the devil's going to get involved on us. You know, he was right. Yep. He's right. Because he said, hey, look, we need to make a connection to you when you're not bothering anybody. We need to make a covenant with each other. Hey, nobody's going to get stupid and run off the reservation in case this thing gets big. That's one of my favorite things is when Dave says, stupid. Stupid. I like that. Well, it's, and I, you know, I've done stupid myself. I've got a PhD in DUMB. So people know that I can, I mean, they know what stupid looks like. So it's not, it's not, I'm calling you stupid. I'm saying what you did was stupid. I've done some stupid things. I'm not stupid, but I've done some really stupid things in my life. So with money and everything else. And so the older I get, the fewer of them I do. And I think they start to call that wisdom. Exactly. What's the best thing about being a financial advisor and what's the worst thing about it? You know, we're really, the weird thing is, Jesus said, your treasure's where your heart is. And so what we end up being more than just some kind of mathematician, you know, hocus hocus, focus financial advisors, we're really just teaching people how to live their lives well. And just this is a clean way to live your life. And so there's something about your spirit that has to change for you to live on less than you make. There's something your spirit has to change to say, no, I can't afford that to deny yourself. There's something about your spirit and your emotions and your relationships and all those things are woven into the money. The money Larry Burkett used to say, money problems are not the problem. They're the symptom. The symptom of something else going on. And so we end up working with the real problems because they bring us the symptom. And so we get to be in their lives in a very, very deep way. And we figured out a long time ago, the way we say it around our place is personal finance is really about 80 percent behavior. It's only about 20 percent head knowledge. So it's more about the guy in my mirror. If I can get that guy to behave, he can be skinny and rich, but he's got issues. Yeah, you're skinny and rich. Well, no, he hit on what I've always wondered about. I've met a lot of really rich people. And they was measurable. The money money cannot make you happy. No. OK, because it goes to where you're talking about. Exactly. Exactly. Yeah. When I was a little kid in Nashville, they, you know, back in the 60s and the 70s, my, you know, there weren't any big time chain restaurants. It was just regular old meat and three type stuff. And then this this restaurant came to town over on Murfreesboro Road, about 10 miles from us. And my dad was in the real estate business. He got a commission check and he said, we're going to go out to this new restaurant. And I was 12 years old on there. Forget it. We went in there and we got lobster. Mmm. Drawn butter. Red lobster. I was just excited. What's the story? Red lobster. I'm a big mouthwatering right now. With the free. And I only think I remember about that meal was, I'm going to eat this again. I knew I'm going to do this again. But you know what? Just what you said, so it's true. Lobster is awesome. And it's amazing. And I still remember that to this day. But if you eat enough lobster, it tastes like soap. No. Enough of anything. I'm not a quartet. I don't know. I mean, you can eat so much of anything. It is. It's tough. But I tell you what, I'm going to go try. My best. You'll give it a shot to see if I can make it. No, no, no. It tastes like soap. You get satiated with anything. If you do it over and over and over again, no matter how nice it is or how good it is, it's not designed to hold your hope. It loses its lure. There's only one place that can hold your hope and that's the nail for your hand. You've been satiated, haven't you? Well, no, no. It loses its lure. Yep, exactly. Yeah. You never want to lose it. Because I just, but this is so profound to me because I've always wondered, you know, you've got all the money in the world. Why can't you be happy? And you talking to Dave personally? There's people that are happy too. Yeah, that's right. But it's the reason you're not happy. You hadn't got what I've got. Amen. And that's the fruit of the Holy Spirit. Me and him talk about it every time we get on the road. Long trip. I got to step out. I wanted to introduce you to my friend Dave who's in town. I'm going to actually go, I'm going to go find somebody who I really feel like needs some financial help. So whoever comes in this truck. Wait a minute. Did y'all just get back from lunch and who paid for it? I want to know. Did you use your credit card? Yeah. Where's the phone? Of course. Are you in trouble? Well, I left my envelope thing at home. Just in case a giant celebrity comes in. Hey, and he can't. I had $90.50 and I left it so I had to use the emergency credit card. I pulled the sticker off, called the code in and I said, oh, oh. Here we go. Get the shovel. You don't want no shovel. Pressure is when you lay that credit card down with big Dave, and your boy, please go through. If that thing gets rejected, you're in trouble. Make sure you don't bounce. All right. I'm going to go find somebody that maybe needs some real financial peace. All right, well. There's no right time for better health. Look at me. I'm not going to get the money out of my porch freezing to death, but I've been still getting my AG1 and Martin's got a box right there at the shop. I can't get to the shop right now, but I got some in the pantry. How am I supposed to get? Prebiotics, probiotics, multivitamins, all the things I need in this situation. Well, with AG1, I can because it's the easiest and most impactful way you can start your day. Look, substantial health is about consistency, not about perfection. And AG1 keeps it simple, so consistency is easy. It's just one scoop will do you. That's what I always said. I know Phillip's taking his AG1. It's just one scoop and you get your multivitamin, your pre and probiotic superfoods and antioxidants covered and it takes like 20 seconds. You just boom in a bottle of water, drink that stuff down and you are ready to take on your day. AG1 has helped me through this awful weird situation we're in and it can help you every day. So why wait? Start today. Yeah. They got black flavors. They got original citrus, berry or tropical and these are some long nights, man. It's dark a long time when you ain't got no power. So the benefits of AGZ and your nighttime routine, unbelievable. Look, I know Phillips over there at Size House. He loves that original flavor. AG1 has over 50,000 verified five star reviews and comes with a 90 day money back guarantee. So go to drinkag1.com to get their best offer and get three free AG1 travel packs and three free AGZ travel packs plus free vitamin D3 plus K2 and an AG1 welcome kit with your first AG1 subscription order. That's drinkag1.com slash drinkag1.com slash. I'm glad I got set up for this. How are you? Good to see you, brother. Good to see you, man. You behaving as much as I can be. Good. Which is not very much, but we'll manage. No, I'm glad to be here. I'm glad Willie set me up for Neaton's financial piece. If you could talk to the guy that pays me, I could talk to him for financial piece. He's already took off. Get you some of that. If you could talk him into paying us a living wage, then perhaps we would have financial pay. Hey, while I go, Becky come in here and had a bunch of checks signed. I said, hey, finally sign him. Do something you're good at. Give me my money. Don't you talk no trash to Becky now. She hands out all the glutes. No, no, no, I was talking to Willie. Oh, Willie. Oh, yeah. I was telling him, hey, that's what I think you're good at. Sign the check. Yeah. Put your signature somewhere and we'll call it good. But no, I was, yeah, we've jumped around schedules all today, so we let the boss fill in for you. So y'all were hunting with Kirk Cameron and his crew, and then Dave was hunting with Si and the other guys. Yeah. Yeah. So it's been, I don't know, we're just open duck season back and I got in from South Texas late last night. So I'm just, it was you doing over shooting cranes. Oh, oh, Sam. Oh, did you bring any home? I fix that. You bring, you bring something to cook. I didn't say. Oh, he didn't say. He didn't say. He brought something, but we ain't invited to come eat them. Well, wait a minute. Hold it. Everybody's been screaming about how good you are. That's what I'm talking about. I'll feed you, old man. Okay. I brought something home with me. All right. Yeah, no. Damn good. We'll do that on the podcast. Yeah. Okay. Sure. Hey, we got a grill out here. I don't have that many of them, but we'll make it. Everybody can get you. If you insist on that method, everybody can get a little taste. They'll get a little taste. I'm okay. They can actually say, oh, I have the fine ribeye. He is good. And he'll cry. He is good. I'd have more, but we hate some of them over there. All right. So I love them more fly than about two hours later. They were on a grill sizzling. Okay. What about Dave? Did you shoot any this morning? Yeah, I killed two. There you go. I got one in the air and one landed. Hey, I think I took the first one. Hey, Jason, somebody shoot it. Yeah. Somebody say, shoot it. Boom. I like that. That's good. Dave's a grounds water. I like, I said, I knew we were going to get along. That's good. Doing what I was told. Amen, buddy. Following the guy. Hey, when you trick them to land on the water, shoot them on the water. I've been picking Dave's brain, but every time I ask the question, Ty answers it. So I hadn't got everything I wanted yet, but I've got a lot from Cy. Has this happened before? Dave, I do have one question. No, no, no, you stop. Okay. There you go, Martin. Hold him back. Because I want to know. I'm going to take the hot chocolate. No, I want to know Dave's opinion on your poker problem. Dave, go. It was already discussed. Oh, okay. All right. I didn't, I hate I missed that part. I'm going to have to watch the first part to figure out. If I understood the summation of the first section, it was size poker problem is Willie. Bingo. Yeah. That's a good one. That's a good one. Willie is a bunch of my problems. Okay. Oh man. It's a spiritual gift to Willie's. I'm not saying. Yeah. Size poker envelope would be a lot bigger than them other ones. I'll say that. It'd have to be a manila one. It'd have to be one of them with a long. No, no, I got on him about that. What? We got to talk about your education, all this other stuff and Willie got to tease me again, poking the bar. Well, and I said, well, hey, I said, hey, I don't mind you get your cut. I said, and I, and I know I have given you a big cut. Yeah. And I said, but I don't mind. I said, because I get mad. Yeah. Everybody gets mad. I said, because, hey, you put up with the headaches and I don't. Hey, look, I follow you boys around in the crumbs are good. You can get more, but the crumbs are. Yeah. I'll be greedy. The crumbs are enough to sustain. Don't get greedy on us. You know, but now what do you have, Phillips? Since I've been answering everything. Well, I was, I was actually, I was asking some questions about the best thing and the worst thing about being a financial advisor. And so I got it. They will start talking about that a little bit. Yeah. What's, what's some of the worst things about, I mean, are people watching everything you do and, and you know, just checking you out like you're under a microscope. You feel like that ever or not anymore? Yeah. I mean, but I, that's fairly easy because I am who I am. I'm not saying we're doing one thing and then doing another. So I don't give it, tell somebody to do an investment unless I'm doing it. And so, you know, it's pretty simple. And so, you know, I go into a restaurant and somebody's like, you know, I put my debit card up there and somebody's like, some stranger will walk by that says, what is that Dave? What kind of card is that Dave? And you think, I mean, I could get away with a lot of stuff, but probably couldn't get away with that, you know. But no, so, I mean, yeah, people, but that's a fun thing. It's just, it's who we are. And we kind of made our, our living on taking a counter cultural stand, living on less than you make. Hello. Living on a plan, actually getting along with your spouse about money. That's pretty strange. And we actually do the stuff that we teach. And so it's pretty easy. You don't have to remember to, you know, be one person in public and one person later. If you're just one person, it's a lot easier. You can be here. Yeah, yeah. All the time. Life's a lot easier when it's just a math problem. Yeah, right. And it's not that difficult. Yeah. Input greater than output and you're going to be all right. But we used the word stupid in some of the stuff we said today. Yeah, yeah. Yeah. Maybe I'm came to you for financial advice and you gave it to them and they were stupid and didn't really take your word for it. Oh, I'd like to answer this for Dave. Yeah, yeah. Because we, you know, we're on a, we're on like this, we're on a microphone and we're listening to the call coming in. Like if we took a call right now, we would only hear it. So you've only got one of your senses using, you're only using audio. And so you can tell when somebody's light bulb is coming on and they're going to go do it or when they're not going to do it. Like I'll be sitting and talking to somebody. I talked to a lady last week. She called in and she said, you know, here's what's going on. I said, how much do you own your car? $50,000. What do you make? $60,000. I said, well, you know, this math doesn't math, honey. You know, this car is stupid. You know, and I don't know how. Who even gave you this loan? This is ridiculous, you know? And I said, you know, you need to sell the car. And she says, well, let me ask you about my retirement. Okay, ding, ding, ding. You're not going to do it. It didn't like that answer. So we're going to try to destroy it's gears and no, honey. That's not how we play here. So listen, you're going to have to sell the car because you're not going to have your retirement. You're going to be eating dog food. So you're going to have to fix this. And this is stupid. And I said, you're not stupid, but the car is stupid. It's in the stupid column. Look it up in the dictionary. You'll see a picture of the car right there. But you could, you know, and everybody listening all over America knows she's not going to do it. Yeah. And I know she's not going to do it. And she's not going to do it. But it's almost part of the entertainment value of our show. Yeah. And then the other side is when someone does go, oh, I thought I was going to lose my house. I thought I was going to lose everything. And they call us and they're hopeless and you can't, you know, they're choking up there. They can't, they can't breathe and they're crying. And by the time we get off the phone with them, they're like, oh, I can just do those four things and I'll be okay in six months. Like, yeah. So they leave with hope and you hear their voice change. You hear them sitting up a little taller. Their diaphragm changes. And so we get both and both are just compelling radio, compelling podcasts. You know, you want to listen to hear not only the entertainment value, somebody's just going to keep doing, you know, you call up and ask, you know, they call out or they call up and ask me. And then they start telling me and I'm like, what are we doing here? Which one are we doing? Are we doing the asking or we're doing the telling? So I, you know, I put them on hold and that means they can still hear, but they can't talk anymore. Just move on to the next caller. Right? I wish I had that button for you. It was not what I was talking about. What I go about, uh, uh, wisdom, you're wasting, you're wasting, you come to this man is a financial guru and you come to him and then you go stupid when he tells you something. Right. Cause cause what he's telling you, he's giving you gold here. And the proverb, you know, he hurts their feelings is what he's doing. Well, that's a good thing sometimes. Well, I know, but I'm just saying, Hey, So you're fired up. You've been wearing your nice boots around or something because you're in a great mood today. Yeah. He's ready to go to step and so I'm good. He's ready to go to stepping in into covas. Fine boots. The fine boots with over 200 meticulous steps. That way you got broken in comfort right out of the box. It makes you feel more confident on a side. Oh, what are you talking about? Yeah. When I put his boots on, he walks with a little bit of swagger and that lets you start the new year off right with a new pair of to covas, Western boots. Look, winter is prime boot season. But at the covas has you covered with timeless, tasteful styles, plus every pair is made with premium genuine leathers and superior construction and best part. You ain't got to break them in boys. Take them out of the box, put them on, go to scoot, go to walking, go doing whatever you need to do in your boots. Cause you don't have to worry about it. It's just like you don't have anything on. It's so well made. That's how comfortable these boots are. And to covas knows that y'all means also whatever your size, style or need, whether it's your first pair, your 50th pair of to covas has you covered. And it's not just boots. They also have premium apparel and elevated leather goods to shop online or swing by to covas store for the full experience with free drinks. There you go. Right. Shines and complimentary boot branding. Look at right now you can get 10% off at to covas.com slash duck. When you sign up for email and text, that's 10% off at TEC OVAS.com slash duck to covas.com slash duck seasight for details to covas. Point your toes. West. Oh man, that's great. Hey, I can't confirm Dave's over here in Magellan pants too. So he's not wearing designer camo to sober price. That's right here. $30. We're talking to Academy here. He's talking about making a run. Making a quick run. I need you to keep spending that money at Academy by the way, because they pay me. So if you could help me out, I'll help you out. Dave, how about that? I got no advice though. I think we just keep doing what you do. I think you just got your mention in. Yeah. Yeah, you got paid a little extra. What about proverbs? You were bringing something up. There's a book Andy Stanley did called The Path, The Principal, The Path, and it all comes off that proverb. It says the simple see danger and continue on the wise see and are punished for it. The wise see danger and seek refuge. And so that's what happens with these calls is someone calls in and go, look, this is dangerous, but they're going to continue on. And I've been simple, foolish, stupid, whatever you want to call it. But I am not, but I have done things that follow in that category. Same thing with our callers. I don't, you know, sometimes I get the hate mail. You shouldn't call people stupid. I don't call people stupid. I call some of the things they're doing. That's right. And that's different. And that's my favorite point. They start acting that's stupid. Yeah. Yeah. Okay. And they should have enough common sense. And especially when you get to talking about wisdom. I remember when I was going broke, we were losing everything in my late 20s. I got the opportunity to start over. I was sitting in my recliner in the morning and Bible opens randomly and hit Romans and it says five three. He says, rejoice in your suffering. And I went, I don't want to. Yeah, that sounds like fun. Because suffering produces perseverance. Yo, Jason perseverance character character hope. Which is a real good sermon on that because I always had trouble with that. Well, you're you'll suffer for Jesus. Yeah. I'm not suing it. I really don't want to go that route. I'm like you. Yeah. And Dave, is that where you really turned it around? Well, we were at the bottom there and I don't, you know, somebody said, how did you bounce back? And I said, when you fall that far, you don't really bounce. It's more of a splat. Just get back on the horse. It's not a dead cat bounce. It's just a crawl. Yeah, it's just like when you fall off a horse. Thirty, thirty eight years later, I'm an overnight success. You got to get back on it. Yeah. And life lasts the same thing. Did you hear that? What? Thirty eight years later, he's an overnight success. Yeah, it just all happened one day. Right. And then people say silly things like you're so lucky. Yeah. Yeah, boy, I was lucky. I was the part where luck showed up. It didn't feel like the part where hard work showed up. I remember the part where tears and calluses showed up, but I don't remember when luck showed up. I remember the part when God's blessings showed up and protection showed up. I can point those things very clearly in that thirty eight years, but I can't. I have trouble lying to know exactly when luck showed up. I'll answer that question for him. OK. No, it's what I came to my senses. Yeah, that's good. I tried it my way. You're right. It was right. I guess it was in charge. Me. And you can do that. I wasn't making the right decision. You can do that in a spiritual way. You can do that in any walk of your life and in a financial way because I've listened to some of your shows, Dave, where I hear, you know, some lady on the phone, she's crying, there's no way out. It seems dark and hopeless. And the next thing you know, like you said, that light bulb goes off and she understands there's a way out. You know, and that's good even for the fans to hear. That's like your sister. When she met you and then disappeared and then come back. Yeah. I said, well, OK, I've been I've been looking for this all my life. Yeah. And when I met her, I said, wait a minute. So let me tell Dave, you tell me that you just been looking for this all your life. Well, then why aren't you moving on it? Yeah. So I met my sister that I didn't know I had. And so yeah, we got together. It's been great. I met my sister, Kimberly, and she's awesome. And she became a Christian recently because she was looking for something to feel a void. Sure. You know, that nothing else could feel. And that's exactly what it was. That's what I was talking about. She was looking for the first of the spirit. Amen. The peace, the joy, the self. God shaped whole. Yeah. Yeah. All the good stuff. Amen. Yeah. And then that's when God asked her to go on back to, hey, you don't know Jesus, you don't know Doodal-a-Squat, and you ain't got Doodal-a-Squat. Because hey, without Him, you're never going to have self-control, joy, peace, brotherly love, kindness, all the good things. All the good things comes from the Almighty. All the bad things that you blame on God, that'd be Satan himself responsible for that. You and Satan, because you make the wrong decisions. And that's where I was going back to the stupid. If you ask somebody and they tell you they've never been stupid, they're a liar. That's right. What are you talking about? I'm still in there. Your lips are moving. They're like our politicians. You still there, Martin? I'm still an idiot. They're like our politicians. They're lips are moving and they're lying. Yeah, I'm still in there. And they're like, hey, because hey, I've done stupid stuff, and hey, me and him talk about it all the time. I think it's directly correlated with the amount of testosterone you have. Stupidity. I don't know. I feel a little better now that it's starting to wane that I've had 40. That's it. You say that we were just doing a we just did a bunch of research the other day and one of the recent pieces of research came back. The advantage of being married, that married men live on average seven to nine years longer. And I was talking to the PhD in psychology that works for me that was helping us with this research. He's on the air. Dr. John Loney, I said, why do you why do you think that married men live longer? He said, wives keep them from doing stupid stuff. Yeah. Yeah, there's a lot of truth to that. That's true. Yeah. Cause if I was still single, yeah. Yeah. Oh, no. Me and him when I met him. Uh-oh. If we were younger, we would have both went to hell. And I mean quickly. Is that Martin's photo your phone? No, I'm a sucker for peer pressure, especially back then. Not so much anymore. I'll tell you now. I'm good now. But I do like for me, you never know how often you'll get this opportunity. So say you get dealt a hand where you got twin three year olds, Dave. What's the best way to set them up for success? Good question. Not me. Like, you know, I'm just, cause there's, there's a lot of people, a lot of our listeners right in and, and the other reason I asked this, cause God wouldn't just had twin granddaughters. So we, there's, and John Luke's on the wind. Yeah. So they're so, do not drink the water while you're here. Um, stop and get a bottle of water. Don't go out the tap. I'm in Abraham's category. So I'm out of that. But the, the, uh, yeah, the, uh, you know, we, Rachel, my daughter and I wrote a book. It was her first bestseller together called smart money smart kids, how to raise kids to be money smart. But it, it starts with the mom and dad being smart because she said more is caught than taught. That's how many of us have kids and we've opened our mouth and our dad come out or our mom come out. You're going to do what they do more often than you're going to do what they say or what they taught or whatever. So first thing is for y'all to, if you want them to live on less than they make and be self-controlled, we all have to be. Yeah. If you want them to stay out of debt, y'all have to stay out of debt. If you want them to buy things and save up and pay cash for them, you show them how to do that and you did it. So that's the first thing. Then the second thing is there's basically five things that anybody can do with money and teaching kids those five things and they're really easy things, uh, and teach them age appropriate. So three year olds, I mean, obviously we're not sending them to the salt mines. Okay. Yeah. We don't have to work. We've talked about that. Yep. We do that. Work is a good thing. It's good for everybody. It gives dignity. It raises confidence levels. It raises everything. And then when they work, pay them. If they don't work, don't pay them. We didn't have allowance at our house. We had commission. You work, you get paid. You don't work, you don't get paid. I like that. I don't, we don't have welfare. Yeah. So this is it. This is the deal. Work and then when I pay them, then I get the opportunity to teach them the other thing things. And that is, I get to teach them to give. Love it. To be generous. I get to teach them to save and have a goal that's longer term than Friday because many adults live. Thank God it's Friday to Oh God, it's Monday. We call them adults, but we're not real sure. And the third thing is that they learn to need to learn to spend and enjoy the money wisely within the framework of staying out of debt and so forth. It's actually four things. I said five is actually four things to teach them to work, give, spend and save age appropriately. So for a three year old, you know, what that sounds like, you know, I've got a my four year old grandson was over at the house with Papa Dave the other day. And so we're upstairs in the playroom and Mimi says time for dinner. And I said, okay, buddy, Elijah, it's time to clean up. And so when me and him clean the toy room, I actually do about 85% of it. Oh, absolutely. He gets the award of being the best room cleaner in the history of man because he's four and then I'll give him a dollar and say, you just did good job. Now, he visually emotionally attaches work to money. You catch money and gooms from work. Oh man, this ice storm has been wild. And you know what? I've never been more thankful for our friends over at Tritale's beef because let me tell you something, their prime and upper choice beef from American cowboys and ranchers got us through. We have eight well, even though we have had no power. First thing when my freezer went out, I came out of the back porch and threw the Tritale's in the Yeti baby. I might fire it up right now. I'm kind of hungry. Right. My buddy cooked me off from the other night. It is superb. There's stakes are aged to perfection. Ravel, any steak you'd get at a steak house and they are so good. Look, I love that they're a family business. Look, fifth generation family ranch, same family, still responsible for every box of meat they ship to your family. They're still out there raising cattle, chasing calves, packing your order by hand. The marbling's off the chart. And look, if your military veterans are first responders, you get a discount. Tritale's beef is the real deal. And you're putting something on the table that reflects care, continuity and something worth passing down. That's what Tritale's beef is all about. I'd be hungry without them. I've already eaten a couple of steaks that had some hamburger meat. I'm just out here on the porch cooking everything I got. Hey, you need to check out Tritale's. Me and my wife have tried it and it is excellent. Go to tribeef.com slash to learn more or order your first Tritale's box straight from their ranch to your door. That's trybeef.com slash and you'll even get 10% off your first order. And they're throwing in some free meat for you. Go check it out. That's trybeef.com slash. And then by the time they're 13, now we got a pretty sophisticated thing going by the time I was 15, they got their own checking account at 15 years old and they're to manage their own clothing budget. I'd put the money into buy their clothes, but they got to go buy it. And so you buy one pair of $8,000 sneakers and you got no underwear. Okay. So we're not doing that. So you got to, by then though, you've been teaching them to spend wisely in budget. So by the time they go off to college then we gave them a set amount of money every month and the number of times our three children asked for extra money when they're in college, zero. But they had been trained for 18 years before that to live on less than you make. And if you want some more money, let me tell you where you get it, a job. So if they, and all three of them worked some in college because they wanted some stuff I wasn't paying for, which is fine. Yeah. And, uh, but this is the deal and you're going to be, you know, you're not getting this funding from the Ramses because if you're misbehaving at school, you're not walking with God because as for me in my house, this is his money. We're managing it well and giving it to someone who's playing beer pong is not managing it well. So you're going to go to class and you're going to be walking with God and you're going to have fun. I want you to have a good time. I want you to meet a good guy and marry him. I want you to, you know, so we walk all the way out that way on those four things, age appropriately. And so like, for instance, they get ready to buy their first car. That's what they were saving for, especially by the time they're seven or eight, you start talking about a car because, and we didn't, uh, we told them we're not buying your first car. We will match it. So we had 401 Dave and so we'll match it. So whatever you save up, we'll, we'll put that with it and then you can buy a car. And so we're talking about that. Why am I putting this money in savings? Cause if you don't have money in savings, you're going to have a really nice bike. Yeah. If you're lucky. Yeah. Yeah, them things. And I got those. No, that's cool. I always, yeah, I mean, I was like, thank the Lord was raised by my mom was a senior vice president of credit union here for 15 years. So, so finance was taught to us at very early age, like the, you, you, you stayed well below means. And so that's, that's the thing. And you talk about it, but you also live it in front of them. Yeah. Oh no, there was, yeah, I worked from about time I was eight years old every Saturday mowing grass. And I missed them story. I never got a penny. Like I never saw anything exchanged, but I also never wanted anything. And that was there. My payment was if I needed a new fishing rod. Okay. You've been working for the past six months. We'll get you a new fishing rod. Like it was never really a thing. So, you knew why you were getting that ride because it had been working. No, yeah. I'm not in. That's exactly. There was still the whole tie in. Yeah, absolutely. And so no, that was, no, I was very thankful for that. You know, looking back on it, because I saw a lot of my friends and even to this day still struggle in that, in that arena, they're doing fine, but you would never know it. I mean, they, they should be doing fine, but because of choices they make. We were just saying earlier, teach your kids to do hard things. Yeah. That's one of our favorite sayings right now is I can do hard things. Yeah. They look up and I can't, I can't do that. I'm like, no, you can. We don't say I can't. You can ask for help or you can say, let me try again, but we don't say I can't. That is, that is what we are in the middle of teaching those little that's perfect right now. So you can ask somebody for help or you can try again, but I can't. That's out of there. So no discipline seems pleasant at the time, but it yields a harvest of righteousness. Amen. That sounds like it should be in a book. Idiot. Oh man. No, that, yeah, there's a lot of people out there that, you know, like my goal when I found out we're having kids is to give them the same or better opportunities that my parents gave me. So like it's, you know, you want to do what's right by them. And, and I think there's a lot of people out there and I know Goblin feels the same way with them, them little girls that are in the hospital. So because I had a buddy of mine that his kids kind of went off the reservation one day, got 15, 16 and all that. And he asked me, he said, what, what did I do wrong? And I said, well, Don, you had it hard when you was a kid. So you gave them more than you had. I said, it's okay, but it's better if you make a murder. Yeah, no, that's yeah. So he, he, what he has said is, is how to deal with life. Right. Yeah. You feel better about yourself because you're, you're, you're making your own way and away and from a young age all the way until they were adults. That's what Dave's kids understood. His job and my job when I had kids, okay, was make them the best citizen I could, I could make them. Exactly. Andy Andrews says, I'm not trying to raise great kids. I'm trying to raise kids that become great adults. Yeah. It's a different mindset. Amen. I looked at it different, you know, because when, and he, he, he said, you're right. When I said, you give them too much, they need to earn. Okay. Cause trials and tribulations, it's like you're training your boys. You know, you may have to ask for help. Yeah. But never give up just because, oh no, it's too hard. I can't do it. Yeah. No, that's. I asked a friend to help you with it. Yeah. You love with discipline and that's the way it was with, with my kids growing up. I mean, we were always in training and then, and we were teaching and you know, they had discipline. Um, and that's the way it is currently. Like if they ask for a snack now, they have to do something to get this night. All right. They'll pick your cars up. I said, the reason I failed in college was I was immature. I didn't get some of the things he was talking about. What they was saying. Yeah. You know, dad and mom, they did, they did a great job. Yeah. Okay. But no, you know, when you have kids, this is a new, whole new ball game. Oh, yeah. Because you know what, you don't have no idea what to do. Oh, yeah. So it's, it's fly by the city. Your parents can do the best you can do. And in science like this, no matter if it's spiritual or financial or other things in life, you're never too old to learn. Oh, yeah. You know. Yeah. And you always hope that it doesn't take somebody hitting rock bottom to learn. But a lot of times it helps. We have to and not just hit it. We got to bounce a couple of times, you know, that's what. That's flat. He was talking about. You kind of got a skid when you hit it because there every time you overcome something that is hard. You, you get better. Yeah. Absolutely. Okay. That's your last lessons. I always say experiences is the best teacher. Well, yeah, it's the best teacher because you're involved in it. Yeah. And hey, it made you, well, I don't want to be collect Willie, for example, being poor, made Willie the person he is. Okay. We're saying that. Yeah, I'm trying to figure out is this a positive or. Well, no, no, it's not. He's making some questionable choices with these vests now. Well, no, no, it can affect you both ways. He really seems like he's been watching Big Brother with as much he wearing his vest now. So and I think it's to camouflage some things. But, you know, it is what it is. You know, like Dave said, you can. It can push you both ways. Willie, if you're listening, you can be rich and skinny. Yeah, set me up. No, it gives you. I get the second half of this. Okay. Hey, I'll say this way. Oh, you know, you're motivating factors play a big role in who you are. Cause I can watch a kid for a couple of weeks and I can tell you what, what he's going to spend his money on his time and what he's going to put his trust in. You want to watch my kids for a couple of weeks? Oh, no, no, I'll let you. And don't don't do it. I'll say don't do it. The side. I was fix that. Hey, look at you now. Look, hey, look at Jason Roberts. I didn't do too good with him. And they're mine. We're good. Oh, I'll keep doing what we do. It'll be all right. No, it's fine. But now Dave, I appreciate you sitting down with us. Well, thank you. Thanks for having me guys. Everybody else here views this. The peasants over here in the duck call room. That's right. Yeah, we're, you know, we're kind of the second hand. Yeah, I don't know what we are, but we, we operate. Well, we have more fun than that. The podcast you were just on. We, we laugh a lot more. That's for sure. We try to keep it light and I, I'll say this. Thank you for changing people's lives for the better man. That is, you know, we all, when you start out on this earth, that's all you ever want to be right as positive impact for other people. And you have successfully done that. Um, and that is really cool. And I mean, you know, talking about that made me laugh when you're talking about red lobster early. Cause like, I mean, I remember when red lobster came here, I was like, oh, I'm going to say restaurants, you can go get lobster. Like that's the world's biggest crawfish. What are we doing? No, no, look, I got, because when he brought that up, I wanted to say that. They always asked, what was the major issue that changed in your life when Duck Dice arrived? And I said, Hey, we went from Bologna sandwiches to crime reel. We got off and being a sausage. Yeah, we got off and being a sausage and all this stuff. You know, and then like, I remember like it was yesterday. I hate to tell you, I'm still on the menu. It's just from time to time. Menu changed drastically. Yeah. And it was, it was earth shattering. Something you remember for a lifetime. Yeah, that's a big deal. Yeah. Well, thanks for having me guys. Yeah, absolutely. I want to be with y'all. Thank you for being on the show. I've got a verse. I got this from a friend of mine and it's a famous declaration from the Bible. It's in Joshua 2415. As for me and my house, we will serve the Lord. Yeah. So thanks Dave for being on here. We really enjoyed it. Yeah. Thank you so much. We'll see y'all next time right here in the Duck Call Room. We're out.