RADIOMarch 15, 2022

Dave Ramsey: Don’t let FEAR derail your financial plans

Dave Ramsey, financial expert and host of ‘The Ramsey Show,’ joins Glenn to discuss how fear of our unknown future may be affecting how some Americans invest or plan their finances today. It’s always best to assess risk in the marketplace, Ramsey explains, but ‘when the fear kicks in it coats your brain and lowers your critical thinking skills.’ Plus, Ramsey describes the three components of inflation we’re experiencing today, and he predicts how much further inflation may go…

Transcript

Below is a rush transcript that may contain errors

GLENN: So if it isn't Dave Ramsey. Hi, Dave, how are you?

DAVE: Great, my friend. How are you is this?

GLENN: I'm very good. But I do want to thank you for the pleasure of having my wife come home, who listens to you every day, and say, honey, see, I told you, you were crazy.

Dave Ramsey said you were crazy. Thank you for that, Dave.
(laughter)

DAVE: Any time, my friend. I am just here to help. I'm a big Glenn Beck supporter.

GLENN: Yeah, no. No. We don't even have to go down this road. We are good friends. We have been for a long time. I have a lot of respect for you, and I know it goes the other way. Here's what I do want to do. You were talking about the Great Reset.

You're in a different business, really, than I am.

You give financial advice. I don't. I always say, this is what I'm doing. But don't listen to me. Because I have no idea, what I'm talking about.

I wanted to get from you, what you think The Great Reset is.

DAVE: Well, the irony of this is, is that both our books came out the same day. January the 11th.

GLENN: Yeah. That's right.

DAVE: And both of them were on the best-seller list, at the same time.

Baby steps, millionaires. That actually started this conversation this morning too. Because what happened, a guy followed our baby steps, and became a millionaire.

Completely out of debt.

Has a net worth of $100 million. Calls in. And says, hey. I'm thinking about not investing anymore, because of the Glenn Beck reset. That's what started --

GLENN: Hold on. Hold on. Just a second. First of all, it's The Great Reset. Not the Glenn Beck reset. And I have never said that. I still -- I said, if you are concerned about it, spread your money out as wide as you can, because I don't know what will hold.

But I still have my house. I still have money in the stock market. I'm very careful on who I invest with. I don't want to invest with BlackRock. Although, if you want to make money, that's what you should do.

If you want to make money.

DAVE: Well, if you have no principles.

GLENN: Yeah.

DAVE: So, you know, no. I'm not an expert on the great reset.

You are. You wrote the book on it. And diversification, what you're talking about there. Spreading your money out.

The Bible says, spread your portions to seven, yes, to eight. For disaster, make them upon -- diversification is the oldest financial rule ever. Never put all your eggs in one basket. Some dude has the basket, and he's been smoking pot. Do not put all your eggs in one basket. Correct?

GLENN: Correct.

DAVE: So that's what we're talking about. And, certainly, we would espouse that as well. What I was trying to do was keeping the guy from freaking out. Becoming scared that the world was coming to an end, and trashing all his investments, that caused him to become a millionaire in the first place.

GLENN: Yeah. So, Dave, this is one of the reasons why I'm thrilled to have you on. Because honestly, you know, I don't know if you know what stakeholder capitalism is. But that's the driving force, or the theory behind The Great Reset.

And you've got the Treasury. You have Yellen saying, this is what we're doing. We're going to have stakeholder capitalism. That's 21st century fascism.

And if you don't mind, not telling your school board, I think you're wrong.

Then you're not going to have a problem with ESG scores.

But you have to play ball, exactly the way, they are telling you. Down the road. With digital money, which is something that the executive order came out last week on.

And so I don't know what it's going to look like on the other side of this.

I have no idea. What's going on. I do know, just with inflation, we have got to batten down the hatches. So what should people do, to batten down the hatches?

DAVE: Well, when we go back in history, the thing we always want to avoid. We always want to be safe. We always want to assess risk in the marketplace. What you want to talk about. We always want to be wise then. The storms are coming. We perceive a storm. Here's where people get crazy. When the fear kicks in, it coats your brain and lowers your critical thinking skills, and they go nuts.

And so I'll give you an old example, I was thinking of this morning, knowing I was going to be on here.

In 1982 Peter Crase (phonetic) was put on the Grace Commission by Ronald Reagan, to study government overspending.

And the deficit, and the damage of the deficits. His cochair on that was a guy named Harry Figgie.

Both of them were billionaires at the time. And Figgie wrote a book later that year, called Bankruptcy 1995, predicting the end of the American economy as we know it because of the deficit increase. Apparently, he was wrong.

Larry Burkett wrote a book called The Coming Economic Earthquake that was predicted in 1992, the world was going to come to an end, and the economic crisis was going to cause America to end as we know it. And, apparently, was wrong.

My good friend, Robert Kiyosaki who wrote a wonderful book called Rich Dad Poor Dad, wrote a book called Rich Dad's Prophecy, where he predicted the end of the stock market as we know it in 2016. Apparently, he was wrong.

So I don't want people to not invest because of fear, by going -- swinging the pendulum too far to the other side. But it is wisdom, there in the middle, to say, hey. I don't like what's going on. I smell fascism. I smell Fauci running the economy. You know, I'm a Libertarian. Leave me free.

Because a free man will drive an economy. But when you start tinkering around in the background, in the back rooms with these things, is there something to be concerned about?

Sure. So you have to be wise about it. But don't oversteer the car, and flip it.

GLENN: Absolutely.

But let me ask you a couple of things.

First of all, I was called a fearmonger in 2006 and '7, when I said, this housing stuff, with the banks, it doesn't work.

There's going to be a collapse. Everybody called me crazy.

As he know, what happened was the crash of 2008. Now, it wasn't as bad as I thought. And that is only because of TARP.

Which was something that is absolutely unconstitutional. And unthinkable, before that crash.

DAVE: No question. No question.

GLENN: Now, I haven't read Kiyosaki's book, but I know him and I respect him.

DAVE: He's the guy.

GLENN: But there's a difference between the end of America and the end of, as he said, the stock market, as we know it.

Because I look at the stock market today, and it makes no sense. We're closing down all of -- you know, all businesses in America, and the rest of the world?

And the stock market continues to go up?

That's not the stock market that I know.

DAVE: Well, the stock market on the short-term is driven by profits. And profits are very, very real right now. In spite of all the economic crap out there. The profits are very real.

But to predict the end of the stock market. Is to predict every household name, that we know of, evaporating.

GLENN: Right. Right.

DAVE: Home Depot. Microsoft. Apple. McDonald's. Coca-cola are all zero. That's the end of the stock market. That's the end of America.

GLENN: Yes, it is.

But what I'm asking you is, the end of the stock market as we know it. I don't know what he wrote. And maybe he wrote, it will be at zero. I don't believe that.

I believe there are companies that will -- just like in the Great Depression. Companies that will fall away. Companies that are tried and true. And rock solid. And they will continue.

DAVE: Yeah. Well, any time stupid is stress tested. We get to see it's stupid. So that's what happens.

I think in '08, maybe you and I were arguing about gold if you remember. Or I was arguing with somebody about it, because everybody was buying gold in that crash. And I just pulled this up a minute ago.

I told people, don't buy gold. I've always told them not to buy gold.

So in the last 10 years, gold had a 3.71 percent rate of return, and the stock market has had a 12.2 percent rate of return.

GLENN: So I don't --

DAVE: Don't buy gold.

GLENN: Well, I disagree with you. The 3.5. When I started talking about it, it's up 10X. However, I don't buy it as my get rich thing. And I say this all the time. I don't buy it for investment. I buy it for insurance against insanity. It's the same reason why China just purchased 220,000 tons of gold. In the end, when the madness of printing becomes clear, the world generally resets, to some sort of a commodity, usually gold.

That's what they're doing now, in China.

DAVE: It completely melts down, it resets to a barter economy. Then a currency will erupt. And you will see that, on a completely collapsed economy. Venezuela or Nazi Germany, when hyperinflation. And it was a wheelbarrow load of money to buy a loaf of bread. So you have hyperinflation kick in. What happens is, currency is based on trust. So it's actually a spiritual animal, in that sense.

And so when you quit trusting that a piece of green paper, with the president's face on it, will buy something. Then you have to trust that something else will work.

And if you trust gold will work, that's fine.

But in a completely melted down economy, people really want bullets, water, blue jeans, and gasoline.

GLENN: So what do you say about the reset of a currency? Which Russia and China are doing clearly, trying to take the petrodollar apart.

So half the world would go that way if their plan would work. And a reset to a digital dollar.
DAVE: Well, it can happen. Again, the thing that has to happen for these things to occur is trust has to evaporate.

You have to no longer believe -- when a certain number of people believe that a bitcoin is worth something, that's the only thing that makes it worth something.

It has no intrinsic value. Actually, a bar of gold has no intrinsic value. Any more than a piece of paper does. It's when people are fighting over it. Arguing with it about. Negotiating for it, that gives it value. That's the trust factor.

You can move trust around in currencies. And that's why -- and I don't recommend trading currencies. I don't trade currencies. But if you will trade on the yin, you would say, all right. What is the outlook for China's economic conditioning?

GLENN: Right. So I'm not talking about trading currencies. I'm talking about the trading of currencies.

DAVE: Well, it's the same thing.

GLENN: The average person loses about 40 percent on their dollar. If you read Yellen. Yellen is talking about, this time it will be different because it will be an equitable exchange, when the new currency would be introduced.

Which scares the hell out of me.

DAVE: Sure. That's all socialism language. That's just BS. The thing that will happen --

GLENN: Wait. Wait.

When you say BS. You mean, it will not happen.

DAVE: She does not have the power she thinks she has. There's too many of us that really trust and believe in the free enterprise system. That really trust and believe in America for a couple of -- handful of socialists to actually run the dadgum thing. We're not going to tolerate it.

You think people would have stayed in their houses much longer off of Fauci? We were about done, boy? I mean, we were all about done, weren't we?

Were we about to come out of our houses with pitchforks and torches?

GLENN: I don't know. I live in Texas, so it was fine. I live in Texas, so it was fine here. But I think the rest of the country was.

DAVE: Yeah. If we go to back to work, and I was trying to kill my employees. So it was nutty. Just nutty. So the bottom line is, there are enough critical thinkers out there that are capitalist, that do believe in this.

That it's harder to take over the world than it sounds, in my opinion. I don't know. It's a fun discussion, because I love you. You have such a great brain. I love talking to you about this stuff. And, again, if we know it's a friendly territory, because we've got so much respect for each other over the years.

But so I think that I'm not going to write a book, that predicts a crash.

Because I've seen too many books written.

GLENN: Written. Sure.

DAVE: And I'm not predicting that on you, by the way. I'm just saying, I'm not going to change my investment strategy, dramatically, because I am fearful of the world as we know it, to quit operating.

GLENN: Well, I will tell you, that there's a lot of people out there, that having advice. That I think are morons.

I agree with your advice.

Because you are built around, get out of debt.

DAVE: Yeah. Sure.

GLENN: And there's nothing that you could do, that is better for preparedness, for any eventuality. Good or bad.

DAVE: And the funny thing, that works when you're prospering, and the economy is going bonkers good. And it works when there's really bad times. And these people in control are fascist and nutty.

It's hard to foreclose under my house, under current law, when I don't have a mortgage.

GLENN: Real quick.

I only have about a minute. Minute and a half. Your thoughts on inflation?

DAVE: There's two components to it right now.

The energy component is 100 percent on Biden's desk. He's completely screwed the pooch on this.

It's a supply/demand problem. He cut the faucet off, trying to be all greeny, and he drove gas prices through the roof.

He single-handedly did it. It's an administrative nightmare. There's another portion he had nothing to do with, but he's getting blamed for. And that was, we shut everything down, factories and everything for 90 days. Or 120 days. Or six months.

And we screwed up the supply. Then we screwed up the supply chain. Then there was an earthquake at sea, and when the tsunami hit, it was everybody came out and started buying stuff, and there wasn't any stuff to buy.

So the supply/demand curve drove prices through the roof. That wasn't his fault.

Then the third piece is the labor disruption.

Part of that is his fault, because he paid people to sit on their butts at home, when they should have gotten back to work.

If they had gotten back to work, we could have gotten the economy moving again in a proper way.

Instead, they're coming back. We're paying people $20 an hour at Target. Guess what, Target marks up the price of those goods on the shelf, to govern the $20 guy putting them on the shelf. So you're paying for his living wage.

GLENN: How much -- how much worse does it get?

DAVE: Yeah. I -- you know, I think it's going to smooth out pretty quick. The energy thing is the most disturbing. He could be controlled. He could fix it really quick. But he's not going to.

GLENN: Dave. I love you. Dave Ramsey. I mean, I disagree with you on almost all of this. The name of his book is Baby Steps.

DAVE: Agree with. What good say friend you agree with all the time?

GLENN: Baby Step Millionaires is the name of the book. It's a New York Times best-seller. As if that means anything anymore.

DAVE: No, it does not.

GLENN: Baby Steps Millionaires. If you've never listened to the show, you should. It's a great way to get your house in order. Dave, thank you very much. God bless.

DAVE: Love you, bro. Be good.

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Operation Fast and Furious: The TRUE Story of How the Feds were Running Guns into Mexico

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Glenn Beck & Piers Morgan REACT to Trump's Iran Strike & What Comes Next

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Meet the pro-Intifada candidate NYC Democrats just elected

New York City Democrats just elected 33-year-old Zohran Mamdani, a "socialist Muslim", as the Party's candidate for mayor. But Glenn Beck argues that his radical beliefs are actually communist and Islamist.

Transcript

Below is a rush transcript that may contain errors

VOICE: Z10852. Something weird is going on. The World Trade Center is on fire.

VOICE: Seriously the top of the building. We're trying to get information.

VOICE: Top level of one of the --

VOICE: To unfold from New York City.

VOICE: A plane crashed just --

VOICE: My sister is in that believe. I hope she's okay. I have to come to New York.

VOICE: It's pandemonium.

VOICE: It's raining papers.

VOICE: Wait a minute! Stop just a second. Why are we -- why are we -- I've got breaking news. Breaking news, yesterday. New York City just elected as their mayoral candidate for the left. And the Democrats, a -- a Muslim radical, who is also a communist!

So, you know, it only took you 25 years. It only took you 25 years, New York, to go completely insane.

Somebody who is -- well, I mean, if I might quote Michael malice today. I am old enough to remember when New Yorkers endured 9/11 instead of voting for it.

But you've got a -- you've got a communist jihadist apologist now.

Who was -- you know, well, CAIR put $100,000 behind his bid for New York City mayor.

So you have somebody who is endorsed by CAIR. That's really good.

He also was somebody who said, you know, he was -- he was for the shooting of the United Health Care CEO.

Said he was looking forward to driving down magnum Joan avenue. I don't know. Sounds like supporting people in the streets. Maybe it's just me.

Then he also said that he was going to globalize the intifada, which I think that's -- maybe -- maybe that's just me.

I mean, what do I know?

Tim Miller who is a podcaster. Asked him a few weeks ago. Asked him about his pro Palestinian slogan. Globalized the intifada. And he said, for me, ultimately, what I hear in so many, is a desperate desire for equality and equal rights, in standing up for Palistinian human rights. Oh, is that what you hear, Mr. CAIR?

Really? Huh, that's interesting.

Right. So globalize the intifada.

I mean, I mean, sure, that's -- I mean well, let me go on.

Because I don't want to take him out of context.

He then delved into the semantics of the intifada, citing the United States Holocaust memorial museum's use of a word for a translation for uprising, in an Arabic version of an article, a museum published about the Warsaw ghetto.

Oh!

So this is just a comparison, about the -- the armed rebellion against the Nazis!

I don't know if that makes me feel better!

I mean, if we're globalizing that.

We're the Nazis in this scenario.

Because I don't think it's the Palestinians.

I certainly don't think it's anybody who is like, hey.

Global jihad. I don't think it's those guys.

Or the Nazis. Who are the Nazis in that?

And it seems, if that's what you mean, then it's not just a harmless kind of slogan about human rights. It is a call for violence on the streets.

Because I don't know if you know, that's what happened when the Jews had their uprising against the Nazis.

I'm just saying!

But, hey, hey, free Palestine.

Oh, that's not what that means, gang. That is not what that means, but don't worry about it. He's just going to be possibly the new mayor.

And that's great. By the way, the Columbia faculty members signed a letter defending Hamas.

They were also among the donors to his mayoral campaign.

So, you know, you don't have anything to worry about.

And his father, who used to work at Columbia. Do you know, Stu?

Is his Dad -- is he still a professor at Columbia University?

He said that -- this violent terror thing of Islam, is not a part of Islam. Now, I've read the Koran, and much of the hadith.

And I'm pretty sure the violence is a part of that. But no.

No. This is something entirely new.

And his father while at Columbia university, wanted everybody to know, that this is actually -- this is something that came out of America!

America is really responsible for this.

And, you know, it really started with the Reagan administration, you know, when he started -- when he started with his very religious terms, to finish the war against the evil empire.

So, you know, that's where -- that's where 9/11 came from.

Is what -- don't worry about it! Don't worry about it!

Because who am I? I'm clearly just -- am I an anti-Semite today, or am I an Islamophobic? I can't remember which one.

Oh, it's probably both. Anyway, Islamophobia. Let me just explain Islamophobia. I haven't even gotten to the Communist part of it. Which is really, really -- New York, you're in one for hell of a ride. Buckle up.

It will be a fun rollercoaster for you. My gosh, I've never been happier that I've been away are if New York.

Anyway, I just want I to know, there is Islam. And then there is Islamists. Now, an Islamist is somebody who really wants Sharia law.

That's political Islam!

That's not a faith. That's political Islam.

Now, let me make really -- something really clear. Criticizing Islamism, is not Islamophobia. Pointing out the dangers of, oh. I don't know.

Political Islam. The ideology that seeks to use the tools of democracy, ultimately to destroy democracy, is not an attack on Muslims.

No. Uh-uh.

You know why?

Because Muslims are often the first people in line.

The first victims of the ideology.

So let's draw a bright, bright line between Islam as a faith, millions of people can practice that faithfully and peacefully.

It's mostly peaceful, okay?

Then there's the Islamism.

Islamism is something entirely -- that's a political project.

A theocratic political -- oh. Left loves theocracies. They love it.

Of course, you never see a problem with it.

See it when an Islamist is touting it. Anyway, it's not about prayer. It's not about fasting. It's not about spiritual life.

It's all about power. It's about merging of mosque and state. It's about implementing Sharia, not as a personal code of conduct. But as a governing legal system.

And it's -- it's supremacy.

Absolutely. Faith.

Religion.

It's -- there's one thing that's supreme.

It's misogynistic.

Deeply intolerant of all kinds of things.

Descent. Secularism. Other faiths. Even competing interpretations from inside the faith itself.

It will behead them too.

So let's -- let's be honest here for a second.

You know, CAIR should be labeled an international terror organization.

In my opinion. In my opinion.

Oh, does that make me -- that makes me an Islamophobe. I'm sure. I'm sure they will start a campaign against me on being an Islamophobe.

Stand in line, guys. You've been doing it since 2001, okay?

I don't really care. And I don't think the American people. I think that record, all the grooves are worn-out on that one, okay?

This is not a religion we're talking about. When we're talking about Sharia law. And we're talking about globalize the intifada. What does that mean, actually, to globalize it?

Does that mean we now want to do what is happening to Israel? All over the world?

Has the Palestinian plight become our plight you now, as Americans?

That there has to be an intifada here!

Because it's the kind of the same. You know. It's kind of the same over, you know, with what the Palestinians are going through.

Well, it's very much like what the Jews went through with the Nazis.

That's a weird one. That one makes my head hurt. It's very much the same as that. And very much the same as the fight against Donald Trump.

Oh, this is going to be fun. It's fun!

Really fun. You know, the irony here is, the ones that will scream Islamophobia the most, are the ones in the progressive left, the champions of feminism, LGBTQ rights. And secularism.

They're going to -- no. You want -- they're going to stand with the people, who want to kill them first.

See, this is how smart they are!

This is why it's going to work out well, in New York City.

Let me just say. If you have an ounce of common sense, you run a business, you have an ounce of wealth. And I don't mean wealth like, you know, hey, Lovey.

Let's get on the boat for a three-hour tour with a suitcase full of cash. I mean you saved anything, anything, get the hell out of New York City.

I mean, this is about survival. This is about free speech. This is about women's rights.
Religious pluralism. Secular legal systems. Liberal democracy.

But it's also about failed principles of Communism. Okay?

First, you have to call out political Islam for what it is. Okay?

And we have to do it with the clarity that we call out white nationalism.

Got to do it with that. Got to -- you know, the Klan. Really bad people.

Really bad people.

Anybody who is shouting for globalized intifada?

Pretty bad. Pretty bad people.

Okay?

Now, let's get to communism.

Because that's another cool, cool angle of the new Democratic candidate for -- for mayor of New York City.

That I just -- I think is cuddly and cute. Sure, it led to 100 million deaths. But this time, New York is going to be radically different. Oh, did I use the word radical?

I didn't mean to use that. What's radical about this guy?

Nothing. He's just like you!

Well, not exactly.

But let's talk about communism, next!

Now, the new mayoral candidate that's running there in New York City. That so many young people rushed to defend and vote for. He's promising free buses.

That's going to work out.

Where are you going to get the money for free buses.

It's free!

City-run grocery stores.

Oh, rent freezes. And finally somebody has done it. A 30-dollar minimum wage.

So under the banner of equity. And, you know, we will tax the wealthy. And the corporations. You know, we're going to squeeze another $10 billion out of them.

Really?

Because they're going to call a U-Haul.

You know, they will call something like U-Haul. There will be a lot of -- there will be a lot of movers that are like, how do I get the truck back from Texas or Florida back up to New York? Nobody is moving up there.

But he's going to do it.

Now, his vision isn't really new. You know, just -- just tax people, so we could have city-run grocery stores. You know, I remember -- I'm old enough to remember those city-run grocery stores in Moscow.

They were great.

The shelves were empty.

But that's just Moscow.

It worked out completely different in Venezuela.

Where, oh, no.

It didn't. That's right. The grocery store.

They were eating the zoo animals.

But it will be different in New York.

Because they have rent controls too.

And that will just choke the housing supply, but don't worry. As a young family.

You know, you voted for it.

You know better.

It will work this time.

So, you know, I like building ideas, I just don't like usually building on the graves of 100 million people.

But, you know, why not? Why not?

You know, use this dogma.

And this time, it will be different. It's not like it was in China. Where the great leap forward, was a gross -- a gross parody of progress. Venezuela, which was oil rich. One of the richest nations in the hemisphere now sees 90 percent of its population in poverty!

Yeah. Darn it. You know what they did?

They decided to take state control of things.

You know, like grocery stores. And it worked out well. How is that free busing working out in Venezuela?

I just want to -- I just want to know.

Anyway, then you've got the globalize the intifada. Which is going to drop a little violence in, and anti-Semitism in with your communism.

Which is weird!

Because violence and anti-Semitism, always happen. When it -- when it comes to -- when it comes to communism.

This is weird!

I've got to play something for you. Because this has talked about on me earlier this morning.

Oh, wow.

Wait a minute. This is -- this is the whole coalition coming together here.

So this is going to be good. New York, this is going to be great.

It's going to be great for you.

No. He's going to uplift you. Then the social fabric of New York City is just going to be -- just one.

It's going to be fantastic. Don't worry about your 120 billion dollars in debt. Or your 10 billion-dollar deficit that you have right now.

You are going to charge the rich more taxes, and they will stay right there.

They will be like, you know what, that 46 percent in taxes that I'm paying, this is just not enough. It's just not enough.

I need to pay 60 or 70 percent to be able to pay my fair share. So that's good. That's good. That's good.

You know, they're not risking 100 million people. It's just 8 million people.

This time, it's just 8 million people.

But, hey. For those of you in upstate New York. That aren't going to be part of this experiment.

Don't worry, you get to pay for it. Because they'll kick it up to the state. The state will have to subsidize everything. And don't you love it?

Really, don't you want to subsidize the really crazy ideas of New York City?

I mean, why don't you have a -- why don't you have a democratic socialist. A/k/a communist mayor.

Why haven't you done that? Are you not progressive enough? Are you not looking into the future?

Are you stuck in the past?

I don't know. I don't know. The graveyard is pretty big. I have a hard time getting past that one. You know, yeah, so I'm stuck in the past. Because I can't seem to pass that graveyard, and get to be down the path with you. But it's going to be a paradise.

Forget arithmetic. You know, or human nature. This time, it's going to work. It's going to work. So all right!

Wish I lived in this morning.

No wait. Nope. I don't. Nope, I don't.

And Ted Cruz, stop it. Stop writing, hey, come to Texas. No. No. Don't come to Texas. Don't come to Florida. Go to California. It's beautiful this time of year. Go there. Go there.