Financial Victories Don't Happen Without Sacrifices

Brought to you by the EveryDollar app. Start budgeting for free today. Normal is broke and common sense is weird, so we're here to help you transform your life. From the Ramsey Network and the Fair Winds Credit Union Studio, this is the Ramsey Show. Merry Christmas to you. We're so glad you're here. Open phones at (888) 825-5225. I'm Dave Ramsey, your host solo today, at least for part of the time. So here's how it goes. Simon's gonna kick us off in Phoenix. Hi, Simon. What's up? Hey, Dave. How's it going? I appreciate you taking the call. Sure. How can I help? I am, I'm 26. Me and my wife are, both working full time. We, she's a paralegal. I work in, personal lines insurance. But on the side, we run a, small that's turned into a little bit bigger than small, Turo fleet of about six cheaper vehicles. They range from 20, 17 to $20.19. And we've kinda, you know, used some of your methods over the years. It's been about three years since we've done it. We've, you know, paid for them, gotten them paid off very quickly, and, we're debt free on all those. And it's pretty much just straight, cash, taking in cash at this point. But I want to expand it more, quickly, so that it maybe can turn into a full time thing for either her or for me. And I'm just curious on maybe what would be the next step, from, you know, somebody else's perspective to jump into that without taking out a major loan since vehicle prices are pretty extremely high right now, especially for newer ones, but especially for cheaper ones, at the moment because or for older ones that, don't seem to be as cheap, at the moment, without, you know, drowning myself in in debt from that. Now when we're teaching small business people entree leadership lessons, I tell those guys and gals to grow organically with the cash that the business creates. That's what we've done at Ramsey for thirty five years, $300,000,000 company this year. We've never bought a dime. Every bit of everything we have, we reinvested profits to grow the business. That was slower than I would have liked it sometimes. I was frustrated at times because I I think I've got something in front of me that feels like an opportunity, and I don't have the money to do it right now. And that limitation has kept me from doing some pretty stupid things where I got out over my ski. So I tell our guys all the time when we're coaching small businesses to try to land on the cover of Slow Company magazine, not Fast Company magazine. Patience. Patience. Build something that's sustainable. And because the the one thing we know about the space you're in, it's a brand new space. It's a disruptive space, and it's going to iterate. There's gonna be a lot five years from …