 Here's Dave Ramsey with today's Ramsey Reality Check. What decision is going to put me in the best place 10 years from now? Good financial decisions always hurt on the short term and give you the proper result in the long term. Bad financial decisions always feel good in the short term. The long term is disastrous. One of the things we found as we've surveyed wealthy people is they have a long-term planning window. Dave Ramsey, weekday afternoons at 1 on KRDO Newsradio.