Today is one of my favorite episodes and yours as well every year because we kick off the new year with my dad, Dave Ramsey. Welcome.

Honored to be back as always. It's been a year, you know?

Just like that. Real fast. Just change it up, you know. So yeah, welcome back

to the show because we're going to chat about this idea of having a fresh new start when it

comes to your money and the new year is a perfect time to do that. So in the spirit of new beginnings,

we're going to do a little state of the union and share some money habits that you may want to change.

Now make sure to subscribe and share this episode with a friend who might enjoy this conversation.

All right, I'll kick us off with the first one.

So a money habit to change this year is not knowing where your money's going.

If that is a habit in your life, it is for a lot of people.

They just have no clue.

They get paid and they just kind of live their life throughout the month and then they get paid

again and they do the same thing. It's kind of this passive way of dealing with your money.

So being intentional and being purposeful is one of these things that winning with money,

it's crucial to do. Absolutely. You know, I'm often asked by a reporter interviewing me, you know, what's the number one

mistake as if there's one single thing that people make with money?

And it is not being intentional.

Just not paying attention.

When you just focus on it, you go, oh, that's smart.

Oh, that's dumb. Yeah. But you have to actually look at it to have that thought. And this idea that it's all just kind of noise and it's around you. And then you wake up 40 years later at retirement broke. And you cannot let money happen to you. You have to happen to it. And we found over all the years at

Ramsey of doing the work we do that the more focused people are just on the subject, not obsessed

with money, not worshiping money, but just paying attention. Like you pay attention to your health,

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