The Ramsey Show

He is the author of the famous book Boundaries among many others and Integrity and Necessary Endings and and and and and many others.

He's also written plenty of other books. Necessary Endings, Integrity or two that come to mind and always about relationships and business and you know he's a psychologist and so he's always writing in those veins

And I went, Henry this is a different Henry Cloud book. This is way different than anything you've done. The new book is out. It is officially a national bestseller. It came out a couple of weeks ago. Why I Believe, a Psychologist's Thoughts on Suffering, Miracles, Science, and Faith. This book is different for you and it was real personal, real vulnerable for you wasn't it?

It starts with, I have a problem. And this book is my attempt to solve it. I love God. I know beyond a shadow of a doubt that he's real.

He's proven that to me for decades. That's not my problem. My problem is I love my friends and many of them don't know him.

And I struggle sometimes with how to talk to him.

It's probably the easiest way to summarize it is in the preface.

It is I read everything that Henry writes number one he's a world-class thinker and author but number two he's a good friend and this is a book completely different than anything he's ever done. It's called Why I Believe A Psychologist's Thoughts on Suffering Miracles, Science and Faith so it's my good friend Henry explaining why he believes in God because he runs in an intellectual world a bunch of nerds and he said this is I've always wanted to tell my friends these things but I sometimes lose the courage to do it in person and can't find the right venue and it's uncomfortable and they always wonder these things about me because they know I'm a person of faith but they didn't know why and they couldn't juxtaposition that with their science knowledge you know.

Yeah Henry and I were talking a few weeks ago and I haven't seen him this clear-eyed and excited about getting a book out I mean this one's sitting on his chest and it sounds pretty remarkable I can't wait to dig into it.

Why I Believe is a brand new book that comes out today but I recommend it highly.

That's why I'm so excited to tell you about financial piece kids. This toolkit was designed to make learning to save, earn, spend, and give money fun for both you and your kids.

Pick up Financial Peace Kids at ramseysolutions.com slash store.

It's not very often that I get to announce the 20th anniversary edition of The Total Money Makeover. It's now available, guys. Let me tell you something. This is the book that changed my life. It has changed millions of people's lives.

And it's not the same. It's the same heart, but we've updated and expanded the stats in there, the advice on mortgages, car loans, investing for retirement, paying for college, buy now pay later. All of these more recent traps that have popped up over 20 years.

Dave re-recorded the audio book. Love that. So for the first time ever, it's crispier. He's a little older, a little more rugged, a little more wise.

The Total Money Makeover, I'm telling you, it's the simplest, most straightforward and proven plan to change your finances. You can solve your hardest problem with the least complicated money book you'll ever read.

I love that they updated the font, but not Dave's face. So he still looks 20 years younger on that cover. It's like a time machine. That was a nice editorial choice by Dave to go, nah, keep the old photo. I look great.

It is called Total Money Makeover Weekend.

And this is obviously the baby steps really broken down.

Rabbi is an Orthodox Jewish Rabbi and the book Thou Shall Prosper is his main or the book that made you with your help well it's a fabulous book it's one of my top 10 faves of all time and so I ended up writing the foreword when you reissued it later integrating your family finances faith and friendship and fitness sadly came out October the 8th by an Orthodox Jewish Rabbi after October the 7th really bad timing Rabbi awfully bad timing you know you can't rely on Hamas to get anything right okay I'm with you on that I like it so good stuff so you taught us in Thou Shall Prosper basically to not be ashamed of earning as a result of serving I think one of my favorite quotes was if you do a good job for folks in business they give you certificates of appreciation with President's faces on them and so you've written a lot of best-selling books about money and business and other practical life lessons that are woven all through there from the Hebrew and I've had a lot of common ground a lot of wonderful discussions fireside and over dinners with our wives and everything else we've just become great friends so what is it that the holistic you goes into that you haven't done in these other books

It's the 30,000 foot view it's zooming out a little bit and relating to the idea of the system it's not as if these are separate components in just the same way nobody would say your heart is one thing and your liver is something else and your lungs are something else you go into your heart specialist and say look this is what you need take this medicine it's great it's going to wreck and our lives are very much like that we had a woman who became a coaching client of ours who came to us because she said she's done everything right she did really well at college she got into the business school of her choice she focused she graduated top in business administration she came out with a really great MBA and that alerted her to the fact that there's something real going wrong what's going wrong is that while some of her colleagues were attending birthday parties or celebrations connecting with other people building up their own personalities in the final analysis when you interview somebody for a job you're not just looking at grades and GPAs from college you're looking at the result of everything that you have done with your life because everything you do contributes to making you who you are so here's a girl who was terrific very accomplished but only unidimensionally she was excellent academically she could do a bond yield analysis in her head she was really good but her relational IQ was just not there she couldn't talk about anything else she didn't have any hobbies she didn't have any interest she'd really deliberately neglected all the other aspects of her life

That's why we condensed the complexity of a human life into the five fundamentals of family finance faith fitness and friendships one of the things that Rachel I do a lot of controversial things as you know I'm shocked I preach financial heresy all the time to the financial Pharisees out there but Rachel is not as nearly as controversial she's more likable people love Rachel but the one thing that she gets the most hate on is when she suggests dares to suggest that couples combine their finances and not run them separately she actually used a phrase pretty similar to what you've used here in the book that if you can share a bed you can share a bank account she's exactly right yes and we go further we say you have to we do too that's absolutely essential yes so walk through that because we talk about this a lot why is it so essential even just two segments ago we had the exact call we get this call once or twice a show sometimes about a spouse and it's becoming not only are fewer and fewer people getting married now but many who are getting married aren't acting like it are acting and also aren't sure whether they're roommates or married yeah that's what I mean they're not acting like they're married there's a proliferation of lawyers drawing up prenup contracts I mean that's a fine way to go into a marriage and again if it's a second marriage or third marriage and there are lots of assets and children complexities exist but ordinarily when a young couple marries you would have thought it would be with a wholehearted bonding we're not talking roommates okay this is really really important stuff

And the reason is that you have to share the bank account as well as the bed and frankly leaving one is just as ridiculous as omitting the other but the reason there is because there's something very different about how men and women typically relate to money not that a woman doesn't enjoy earning money not that a woman can't be particularly good at her career and excel at it but it doesn't do anything directly to her sexual feminine identity when a man makes money it is a very intrinsic masculine related thing to him and the evidence of that of course is the reverse unfortunately we've seen places regions where steel as an industry has collapsed and one of the things we know unfortunately is that when a male loses the capacity to earn money loses a job heaven forbid there is almost inevitably a sexual dysfunction that accompanies that it's almost inevitable never with a woman when a woman loses a job it doesn't it's painful it's problematic she's worried she's embarrassed but it doesn't hurt but the way money is identified with us is different

And so learning to work as a team though is crucial in the unity exactly and I think it's important to say hey we we both are in this together and we are coming at it wholeheartedly into this marriage so every part of our marriage to your point from my health the way I want to raise my kids all of that has to be in line with my husband right and together we see it and we're a team I've got to say maybe as many of the people who get upset when you speak about these things are people who've almost lost contact with their essential feminine natures and it's easy to do but it's hard to get in touch with masculine natures and become incapable a lot of you know a lot of the people in the news on campuses today are right there do you see the because I do hear from specifically on the women's side of hearing this message if something happens I have to make sure that I protect myself it's almost this fear elements there

Rabbi Lapin talks about that in his book...if you're doing something that's psychologically incompatible with your belief system, it's very difficult to be good at it.

I joined the Nashville Real Estate Investors Club as a matter of fact, I was an officer in the Nashville Real Estate Investors Club. It was formed by a nothing down guy named Robert Allen who really keep up.

He's a black horse. Nothing down. If Robert Allen was in the business today, he'd be big on TikTok. Nothing down.

The book called Nothing Down.

He formed these clubs all over America. People buying nothing down real estate.

By the way, he went bankrupt.

the guy that wrote the book called nothing down named Robert Allen went bankrupt file chapter 11

this is five mistakes you can't afford to make in college

this book is literally crafted on the five biggest mistakes that i made uh going from a senior in high school to a freshman in college

i talk about student loans kin i talk about credit cards and avoiding credit cards i talk about dumb choices when you're you know you buy your first car note so i talk about how to buy a car in cash i talk about what happens when you have no plan and you don't have a budget i talk about what happens when you have no money in college and the desperate things that you start to do and so this is the guide

i had a full volleyball scholarship and a full academic presidential scholarship and i still took out student loans why because they said jade you need to live right like you want to go to the homecoming game you need to buy clothes you need to buy groceries you need a car so you took out a loan just for the living expenses just loan

today is the day the official launch date of The Graduate Survival Guide this is five mistakes you can't afford to make in college

this book is literally crafted on the five biggest mistakes that i made uh going from a senior in high school to a freshman in college

i talk about student loans kin i talk about credit cards and avoiding credit cards i talk about dumb choices when you're you know you buy your first car note so i talk about how to buy a car in cash i talk about what happens when you have no plan and you don't have a budget i talk about what happens when you have no money in college and the desperate things that you start to do and so this is the guide

i had a full volleyball scholarship and a full academic presidential scholarship and i still took out student loans why because they said jade you need to live right like you want to go to the homecoming game you need to buy clothes you need to buy groceries you need a car so you took out a loan just for the living expenses just loan

i remembered hearing dave ramsey say you buy a car in cash yeah i took out a student loan and called myself saving that money in cash and then bought a car and thought i was buying a cash car because i used actual cash to buy it but it was loan money

there's a great book called fear is a gift and there was a gift of fear and there is there is a beauty in it because it kind of does shake you up a little bit oh my gosh am I late uh and then you're able to say okay what changes do we need to make for this not to be a reality

He just buzzed through the anxious generation book by the author of The Coddling of the American Mind, Jonathan Hyatt. He read it before I did, right?

Yeah, woke ink was my first book. Wokey, yep, woke ink, yeah that was it.

And the next family movie night, everyone watch Borrowed Future as a family because that will spark the conversations about how we're going to go to college debt free.

I'm going to send you a copy of Ken Coleman's book, what you're wired to do, which includes their longterm plan.

I saw on CalGoogle books, anywhere from $16,000 to $17,500.

Malcolm Gladwell said it in the book Outliers he said if you spent you need to spend 10 thousand hours of excellent practice meaning getting better each time you do the repetition not just doing it over and over wrong but 10 thousand hours at something and have a little bit of a gift at it to get to be Tiger Woods to get to be Brad Paisley at a guitar to get to be Peyton Manning or Tom Brady with a football.

Yeah his last book was number one or a national bestseller as well Trust it just came out about a year ago I guess and all about how to build Trust and how to regain Trust after it's broken and those kinds of things we had him on the show talking about that but this is completely it's a departure for him and I highly recommend it.

I hope everyone who is about to get a degree, you have a kid, you're a parent, go watch Borrowed Future, our award-winning documentary. It's free on YouTube. It's about 88 minutes, and the story's in there.

And I'm going to send you a copy of Dave's book, Real Estate, The Ramsey Way, to help you make the right choice.

Jade Walshaw, Ramsey personality, number one best-selling author of the book Money's Not a Math Problem.

It's one of our quick reads, a whole 74 pages long, so you can take care of it in one setting and you will change your life if you read that kind of stuff.

You could add Jade's book in there. Money's not a math problem.

Somebody doesn't want to read a bunch of 74 pages, it'll get right to the point and have a little Jade attitude in there and that'll help you too.

Jade Walshaw, Ramsey personality, number one best-selling author of the book Money's Not a Math Problem.

It's one of our quick reads, a whole 74 pages long, so you can take care of it in one setting and you will change your life if you read that kind of stuff.

Money's not a math problem.

Somebody doesn't want to read a bunch of 74 pages, it'll get right to the point and have a little Jade attitude in there and that'll help you too.