 She says, I listen daily and hear the phrase, don't listen to broke people quite often. What is the Ramsey definition of broke? So we know who in our circles not to listen to. I love this question. Well, broke people, for me, a broke person is somebody who is not financially responsible. And you see that as the fruit in their lives, right? They may have cars in their driveway. They may have the house that's next to yours and they're your neighbor. But you get the sense.