 Find out more at chministries.org slash budget. That's chministries.org slash budget. Hey, guys, Dave Ramsey here. Many of you listen to The Ramsey Show because you're sick and tired of getting nowhere with your money. You make too much money to live paycheck to paycheck with zero savings in the bank. But here's the deal. Just listening to the show won't change any of that. If you want different results, you have to do something different.