Dave Ramsey explains how bankruptcy changed his life

Financial expert and friend of the program Dave Ramsey joined Glenn on radio this morning to discuss his new book Smart Money Smart Kids: Raising the Next Generation to Win with Money. In the book, Dave and his daughter Rachel offer tips to parents on how to raise money-smart kids in a debt-filled world. Dave talked to Glenn about how his own bankruptcy changed his life and why the principles of hard work and commitment should resonate with every American regardless of age.

To begin, Glenn asked Dave to talk a little bit about his experience filing for bankruptcy 26 years ago. One of Dave’s daughters was born in April, and he filed for bankruptcy in September – an experience that completely changed his life.

“It was that reset button. We hit the wall… It was bad,” Dave said. “So we had to start completely over – how we looked at money and how we viewed money. This whole ‘Dave Ramsey’ thing started then, but all we were trying to do was pay the light bill.”

Dave’s latest book, which he wrote with his daughter, seeks to help parents teach their children how to make smart financial decisions from an early age.

“We all look at our kids… and… we think that's our do-over. That's our clean slate, our flash start. It could be that way with money as well. You really can leave a legacy,” Dave explained. “But you have to teach them the life skill of money – not only for the sake of your legacy and your future, but it's how they get to be good citizens, how they get to be real adults.”

So where do you start?

Dave suggested approaching conversations about money the same way you approach any other teachable moment – when the opportunity arises.

“I think the same way we teach them everything else… You catch teachable moments. You don't have to have a generosity seminar Saturday morning. You just talk about generosity… If they don't naturally give, you eventually lean into it a little and make them give,” he said. “They have to build the giving muscle. Same with the saving muscle. Make them save and make them make wise decisions when spending.”

Any parent can think back to a time in which they coached their child to consider whether or not making a purchase was really the best decision. Dave recommends being very intentional in calling attention to those types of choices and decisions.

“We all coached a kid on what toy to buy. 'That will break in 30 minutes.' 'Save up a little longer and get the good one,'” he explained. “We all had that discussion with our children. All we are telling people to do is have that discussion a little more and be very intentional about it.”

With that in mind, Glenn asked Dave how he taught his kids about the difference between socialism and capitalism.

“First thing you teach them is where money comes from. It comes from work and serving others, and capitalism, when done right, is about the service of others. As our friend Rabbi Lapin says, ‘They give you certificates of appreciation with presidents' faces on them. They will show their appreciation when you do that. That's capitalism,” Dave said. “Socialism is when… you do less work than someone else and they get the same grade as you. That's not fair.”

“The name of the book is Smart Money Smart Kids by Dave Ramsey and Rachel Cruz, his daughter. [It’s] worth picking up and worth reading,” Glen concluded. “Raising kids – there's nobody in our society that is teaching kids how to be logical anymore, even with their money. They're not going to learn this any place else other than you. You don't know how to teach it? Smart Money Smart Kids by Dave Ramsey.”

Carter Page, a former advisor to Donald Trump's 2016 presidential campaign, found himself at the center of the Russia probe and had his reputation and career destroyed by what we now know were lies from our own intelligence system and the media.

On the TV show Thursday, Page joined Glenn Beck to speak out about how he became the subject of illegal electronic surveillance by the FBI for more than two years, and revealed the extent of the corruption that has infiltrated our legal systems and our country as a whole.

"To me, the bigger issue is how much damage this has done to our country," Page told Glenn. "I've been very patient in trying to ... find help with finding solutions and correcting this terrible thing which has happened to our country, our judicial system, DOJ, FBI -- these once-great institutions. And my bigger concern is the fact that, although we keep taking these steps forward in terms of these important findings, it really remains the tip of the iceberg."

Page was referencing the report by Justice Department Inspector General Michael Horowitz, which revealed that the FBI made "at least 17 significant errors or omissions" in its Foreign Intelligence Surveillance Act (FISA) applications for warrants to spy on Page, a U.S. citizen.

"I think this needs to be attacked from all angles," Glenn said. "The one angle I'm interested in from you is, please tell me you have the biggest badass attorneys that are hungry, starving, maybe are a little low to pay their Mercedes payments right now, and are just gearing up to come after the government and the media. Are they?"

I can confirm that that is the case," Page replied.

Watch the video clip below for a preview of the full-length interview:

The full interview will air on January 30th for Blaze TV subscribers, and February 1st on YouTube and wherever you get your podcast.

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On Wednesday's TV show, Glenn Beck sat down with radio show host, author, political commentator, and film critic, Michael Medved.

Michael had an interesting prediction for the 2020 election outcome: a brokered convention by the DNC will usher in former First Lady Michelle Obama to run against President Donald Trump.

Watch the video below to hear why he's making this surprising forecast:

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On Thursday's "Glenn Beck Radio Program," BlazeTV's White House correspondent Jon Miller described the current situation in Virginia after Gov. Ralph Northam (D) declared a state of emergency and banned people carrying guns at Capitol Square just days before a pro-Second-Amendment rally scheduled on Martin Luther King Jr. Day.

Jon told Glenn that Gov. Northam and the Virginia Legislature are "trying to deprive the people of their Second Amendment rights" but the citizens of Virginia are "rising up" to defend their constitutional rights.

"I do think this is the flashpoint," Jon said. "They [Virginia lawmakers] are saying, 'You cannot exercise your rights ... and instead of trying to de-escalate the situation, we are putting pressure. We're trying to escalate it and we're trying to enrage the citizenry even more'."

Glenn noted how Gov. Northam initially blamed the threat of violence from Antifa for his decision to ban weapons but quickly changed his narrative to blame "white supremacists" to vilify the people who are standing up for the Second Amendment and the Constitution.

"What he's doing is, he's making all all the law-abiding citizens of Virginia into white supremacists," Glenn said.

"Sadly, that's exactly right," Jon replied. "And I think he knows exactly what he's doing."

Watch the video to catch more of the conversation below:

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Ryan: Trump Louisiana Finale

Photo by Jim Dale

Part One. Part Two. Part Three.

At the end of Trump rallies, I would throw on my Carhartt jacket, sneak out of the press area, then blend in with everyone as they left, filing out through swinging doors.

Often, someone held the door open for me. Just 30 minutes earlier, the same person had most likely had most likely hissed at me for being a journalist. And now they were Sunday smiles and "Oh, yes, thank you, sir" like some redneck concierge.

People flooded out of the arena with the stupidity of a fire drill mishap, desperate to survive.

The air smacked you as soon as you crossed the threshold, back into Louisiana. And the lawn was a wasteland of camping chairs and coolers and shopping bags and to-go containers and soda cans and articles of clothing and even a few tents.

In Monroe, in the dark, the Trump supporters bobbled over mounds of waste like elephants trying to tiptoe. And the trash was as neutral to them as concrete or grass. They plodded over it because it, an object, had somehow gotten in their way.

It did not matter that they were responsible for this wreckage.Out in the sharp-edged moonlight, rally-goers hooted and yapped and boogied and danced, and the bbq food truck was all smoke and paper plates.

They were even more pumped than they had been before the rally, like 6,000 eight year olds who'd been chugging Mountain Dew for hours. Which made Donald Trump the father, the trooper, God of the Underworld, Mr. Elite, Sheriff on high horse, the AR-15 sticker of the family.

Ritualistic mayhem, all at once. And, there in Louisiana, Trump's supporters had gotten a taste of it. They were all so happy. It bordered on rage.

Still, I could not imagine their view of America. Worse, after a day of strange hostilities, I did not care.

My highest priority, my job as a reporter, was to care. To understand them and the world that they inhabit. But I did not give a damn and I never wanted to come back.

Worst of all, I would be back. In less than a week.

Was this how dogs felt on the 4th of July? Hunched in a corner while everyone else gets drunk and launches wailing light into the sky? configurations of blue and red and white.

It was 10:00 p.m. and we'd been traveling since 11:00 a.m., and we still had 5 hours to go and all I wanted was a home, my home, any home, just not here, in the cold sweat of this nowhere. Grey-mangled sky. No evidence of planes or satellites or any proof of modern-day. Just century-old bridges that trains shuffled over one clack at a time.

And casinos, all spangles and neon like the 1960s in Las Vegas. Kitchy and dumb, too tacky for lighthearted gambling. And only in the nicer cities, like Shreveport, which is not nice at all.

And swamp. Black water that rarely shimmered. Inhabited by gadflies and leeches and not one single fish that was pretty.

Full of alligators, and other killing types. The storks gnawing on frogs, the vultures never hungry. The coyotes with nobody to stop them and so much land to themselves. The roaches in the wild, like tiny wildebeests.

Then, the occasional deer carcass on the side of the road, eyes splayed as if distracted, tongue out, relaxed but empty. The diseased willows like skeletons in hairnets. The owls that never quit staring. A million facets of wilderness that would outlive us all.

Because Nature has poise. It thrives and is original.

Because silence is impossible. Even in an anechoic chamber, perfectly soundproofed, you can hear your own heartbeat, steady as a drum. A never-ending war.

I put "Headache" by Grouper on repeat as we glided west. We were deadlocked to asphalt, rubber over tarface.

And I thought about lines from a Rita Dove poem titled "I have been a stranger in a strange land"

He was off cataloging the universe, probably,
pretending he could organize
what was clearly someone else's chaos.

Wasn't that exactly what I was doing? Looking for an impossible answer, examining every single accident, eager for meaning? telling myself, "If it happens and matters the next year, in America, I want to be there, or to know what it means. I owe it to whoever cares to listen."

Humans are collectors and I had gone overboard.

Because maybe this wasn't even my home. These landmarks, what did they mean? Was I obvious here? When I smiled, did I trick them into believing that I felt some vague sense of approval? Or did my expressions betray me?

Out in all that garbage-streaked emptiness — despite the occasional burst of passing halogen — I couldn't tell if everything we encountered was haunted or just old, derelict, broken, useless. One never-ending landfill.

Around those parts, they'd made everything into junk. Homes. Roads. Glass. Nature. Life itself, they made into junk.

I cringed as we passed yet another deer carcass mounded on the side of the road.

As written in Job 35:11,

Who teaches us more than the beasts of the earth and makes us wiser than the birds in the sky?

Nobody. Look at nature and you feel something powerful. Look at an animal, in all of its untamable majesty, and you capture a deep love, all swept up in the power of creation. But, here, all I saw were poor creatures who people had slammed into and kept driving. Driving to where? For what reason? What exactly was so important that they left a trail of dead animals behind them?

So I crossed myself dolorously and said an "Our Father" and recited a stanza from Charles Bukowski's "The Laughing Heart"

you can't beat death but
you can beat death in life, sometimes.
and the more often you learn to do it,
the more light there will be.

Out here, nothing but darkness. Needing some light, by God. Give me something better than a Moon that hides like an underfed coward.

Jade told me about some of the more traumatic things she'd seen while working at the State Fair.

"Bro, they pull roaches out of the iced lemonade jugs and act like nothing happened."

"All right but what about the corn dogs?"

"You do not want to know, little bro."

She looked around in the quiet. "Back in the day, the Louisiana Congress refused to raise the drinking age from 18 to 21," she said. "They didn't want to lose all that drunk gambler money. So the federal government cut off funding to highways."

We glided through moon-pale landscape for an hour before I realized what she had meant. That there weren't any light poles or billboards along the road. Nothing to guide us or distract us. Just us, alone. And it felt like outer space had collapsed, swallowed us like jellybeans.

Like two teenagers playing a prank on the universe.

In the cozy Subaru Crosstrek, in the old wild night, brimming with the uncertainty of life and the nonchalance of failure, we paraded ourselves back to Dallas. Alive in the river silence that follows us everywhere.

New installments come Mondays and Thursdays. Next, the Iowa caucuses. Check out my Twitter. Email me at kryan@blazemedia.com