title Dave Ramsey: "It's Not Fair Out There."

description Dave Ramsey delivers a direct and empowering message about responsibility, mindset, and success. Life isn’t fair — and that’s not the point. What matters is your willingness to take ownership, think intentionally, and go after what you want regardless of where you started.

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Source: How to Be Intentional With Your Money | Dave Ramsey
Hosted by Sean Croxton
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pubDate Fri, 24 Apr 2026 07:00:00 GMT

author Sean Croxton

duration 482000

transcript

Speaker 1:
[00:00] This episode is sponsored by BetterHelp. Money stress is real, and it doesn't just stay in your bank account, it shows up in your sleep, your relationships, your mood. I used to struggle with money, making it, managing it, not spending all of it. And I thought it was just about discipline. But what I realized was that my money behaviors were tied to how I thought and felt about money. The stress, the pressure, the patterns, they were learned. And struggling financially doesn't mean you failed. Sometimes it just means you haven't had the right support. That's where therapy can help. Not with financial advice, but with the anxiety, the shame, the overthinking that comes with it, helping you understand your relationship with money and build healthier habits. BetterHelp connects you with licensed therapists, matches you to your needs, and lets you switch anytime if it's not the right fit. When life feels overwhelming, therapy can help. Sign up and get 10% off at betterhelp.com/qod. That's better, help.com/qod.

Speaker 2:
[01:19] Your whiny little friend says, but it's just not fair out there. It's not fair out there. The fair is where the Tilt-O-Whirl is in the prize pig. It's not fair. And, oh, it ought to be equal. Equal is fair. Not in the Bible. And by the way, equal is not fair. If you work 100 hours a week, and the guy works 10 hours a week, you should get paid more. I got a face for radio. I got friends who are pretty. And they're like on TV and stuff. And they make more money because they talk to more people than I talk to. That's not fair. I'm in Nashville. I've got all these music friends. I can't play, I'm in talk radio for a reason. I mean, I can't, I mean, I got all these music friends and they sell 10 million albums. I've never even seen an album except one I put on the record. That's only, it's not fair that they make more money at albums than I make. Of course it is. They serve more people. They help more people with joy than I help with that. If I sell 10 books and help 10 people get out of debt, I should make one set of money. That's fair. But if I sell 10 million, I should make another set of money. That's fair. Fair is not equal. Because effort, talent, education, bothering to show up is not equal. So don't let the whiners tell you, well, the game is rigged. The system's rigged. So I got to meet Condoleezza Rice. This woman is incredible. We were doing a leadership event. She came in to speak with us. She's unbelievably smart. Her purse is smarter than I am. And the woman, competition ice skater, world-class concert pianist, second woman ever to be secretary of state, first black woman ever to be secretary of state, provost of Sanford, grew up in a lower middle-class family in extremely racist situation in Birmingham, Alabama. In those days, they called it bombing ham because that's when all the bombing was happened with the racism. But she didn't define, wasn't defined by that. She didn't say the system's rigged. Is racism real? Oh, yes, racism is real. Is sexism real? Oh, yes, it's real. We don't all have the same starting point from where we got to where we got to go. We don't all have the same starting point. And that's not fair. It just is. But Condoleezza said, her parents, what they taught her was that it doesn't matter where you come from. All that matters is where you're going to. So yeah, I started a little further back. I'm from Antioch, Tennessee. I didn't go when I'm not from one of those cool families. I'm just a redneck hillbilly. So I started a little further back. Some people started further back than that and they passed me. Did you know every single demographic, every single race we found in the study had become millionaires? Someone chose to go from where they started to believe I'm gonna be intentional. If you think you can, if you think you can't, you become what you think about. I'm going to aim at this as a man thinketh in his heart, so is he, and I'm gonna go do it. And then there are hope stealers among my brothers and sisters in Christ. The ones that are over saved, you know them. Christians shouldn't be wealthy. As a matter of fact, the Bible condemns the rich to hell. Have any of you heard this? Have you ever even thought it? I used to think it, because I kind of grew up in an area that was all Christian. I'm in Nashville, there's more Baptists there than people. And yet, the scripture actually says this, and you shall remember the Lord your God, for it is he who gives you the power to get wealth. The Bible does not say money is the root of all evil. It says the love of money is the root of all evil. Well, Dave, you know, Jesus said a camel can't get through the eye of a needle, so a rich man can't get into heaven. One of my pastor buddies says, don't let the world teach you theology. I'll help you with that. For goodness sakes, don't let Twitter teach you doctrine. The most quoted scripture by the angry, unbeliever, Christian hater, don't you know that the rich aren't going to heaven because a camel can't get through the eye of a needle. All you gotta do is just finish reading the context, and Jesus goes on down because the disciples were amazed. They said, well, who then can be saved? And he says, no one gets to the father except through the son. And so, let me just be mean to you. Are you ready to be mean to me, me, me? Because it's a spiritual gift, okay? So, let me just be mean to you. If you believe with your toxic political beliefs, or you believe with your toxic upbringing of Christianity that rich people aren't going to heaven because of that scripture, let me help you with that. That's what theologians call heresy. And let me help you with heresy. Heresy is when anyone can't get to, what you're saying is prostitutes can go to heaven if they ask Jesus for forgiveness. Drug dealers can go to heaven if they ask Jesus for forgiveness. Murderers can go to heaven if they ask Jesus for forgiveness. But not those rich people. Jesus' blood is not strong enough at the cross for those rich people. That's called heresy, technically speaking, if you're in seminary. Okay, so don't practice in heresy on Twitter, okay? It's bad for you. There's a lot of stuff on Twitter that's bad for you. So, just helping you with this. Here's, with the evil 1%, they have all the money. They shouldn't have all the money. Okay, here we go. Okay. I'm a math guy. So here's the thing. If you make $39,000 a year household income, you are in the top 1% of income earners in the world. You are officially going to hell. Well, this is how absurd this line of critical thinking is when you take your religion and you make it toxic to justify your victimization. Don't do it. As a man thinketh in his heart, so is he. I'm gonna be intentional about winning the Super Bowl. I might have a harder start. It might not have been good when I was growing up. People might be mean to me because of reasons they shouldn't be mean to me, but it doesn't matter. I'm still gonna go win the Super Bowl. I'm still not gonna quit. The Bible teaches cause and effect. We reap what we sow.