How Far Are You Willing To Go To Win?

**Dave Ramsey** (0:05)
Brought to you by the Every Dollar App. Start budgeting for free today.
Normal is broke and common sense is weird, so we're here to help you transform your life. From the Ramsey Network and the FAIRWINDS Credit Union Studio, this is The Ramsey Show. Rachel Cruze, number one bestselling author, Ramsey personality, co-host of Smart Money Happy Hour. She's a great singer. She's a great singer. She's a great singer. She's a great singer. She's a great singer. For more, my daughter is my co-host today. Open phones at 888-825-5225.
Ashley is in Boston. Hey Ashley, what's up in your world?

**SPEAKER_3** (0:40)
Hi, Ashley. Hi, I'm sorry. Hi, Dave. Not much. How are you doing? This is crazy to be on the phone with you.

**Dave Ramsey** (0:47)
I'm honored. Glad you got through. How are you?

**SPEAKER_3** (0:51)
Yeah, I'm good. How are you?

**Dave Ramsey** (0:52)
Good. Better than I deserve. How can we help today?

**SPEAKER_3** (0:56)
I'm just looking for some advice when it comes to finances, money, and dating. I'm 30 years old. I work full time. I've always saved. Ever since I was very young, I've worked really hard to save and be responsible with money. But as I'm dating and hoping to get married soon, I'm realizing that not every guy shares that sentiment.
I think financial attitudes toward finances is really important. Like right up there with politics and religion, I think similar spending and saving habits are really important. But I'm just hitting a wall with these guys. I've been really, really blessed throughout my life. I've also worked really hard to save money. I think I've accumulated a pretty solid net worth for my age.

**Dave Ramsey** (1:48)
What is your net worth?

**SPEAKER_3** (1:51)
About $1.4 million.

**Dave Ramsey** (1:53)
And you're 30?
Yeah. Way to go, kiddo.

**SPEAKER_3** (1:57)
Thank you.

**Rachel Cruze** (1:58)
Great job, Ashley.

**SPEAKER_3** (1:59)
Yeah.

**Dave Ramsey** (2:00)
Really smart to not find some loser to bring you down.

**Rachel Cruze** (2:03)
Good for you.

**SPEAKER_3** (2:04)
I can't take credit for all of it. Part of it was, about half was inheritance. The other half just saving. I mean, my entire life.
I worked a second job for quite a while.

**Dave Ramsey** (2:22)
So, Rachel, how is the younger version of you? Because I haven't had a date with but one woman in 45 years, so I don't have any idea how to date other than my wife. So, I have no-

**Rachel Cruze** (2:35)
Well, I'm 17 off the market. I know. I know.

**Dave Ramsey** (2:37)
I'm not like fresh off the boat. How are the youngins doing it these days?

**Rachel Cruze** (2:42)
No. I don't know, Ashley. I think I would say, when I started dating Winston, he had a credit card. He paid for most of our dates on that, right? And coming from a Ramsey family, that's up there with a sin, basically.

**Dave Ramsey** (2:54)
Then one of his friends pulled him aside and said, do you know who you're dating?

**Rachel Cruze** (2:57)
Yeah. And he said, no, I don't. My dad's buddy, Cruz. I don't know who Dave Ramsey was, which is actually a gift, so that was great. Anyways, all that to say, there is something about not just cutting someone off immediately, because number one, people can change, okay? So just know in general is the way they think about money, the way they interact with money. Do they have the humility to listen to you, hear what's working for you, and have the humility to maybe, in essence, change and adapt? That's on the grace side of the scale, right? Now, if there's a guy and he's so leveraged, doesn't care, it's all ego, all what he presents, and that's all he cares about, you're probably not going to change that guy. But I would not be like super, super legalistic in today's world about it. I think it's more about the value system, right?
So he may be a spender and you're going to be the saver. I'm the spender in our relationship with my husband. He's actually the saver. And so you're going to have different money tendencies, but I think the value system of the way you see money is really important. Like I would say that money isn't the, it isn't everything. It's not an idol in my life. It's not something that we worship, right? And there's got men and women out there and it's the only thing they focus on. And if that's the only thing they focus on in life, 24 seven is to get more and more and more. That's a different value system.
If they are okay living on the edge and being super risky with investments and leveraging debt and that that's where they drive energy from, probably not a value system you would align with. Does that make sense? Like when you get into the nitty gritty of things, you would have more grace.