Dave Ramsey: How To Create Financial Freedom & Become Your Own Boss

27:47Really, really, really finally coming to grips with the whole idea that I'm not necessary for this place to win. And that's a succession handoff. We started that 16 years ago. We started working on succession and handoff and so forth. And so I planned to be less important. And dadgumph it didn't work. it didn't work it did work it did work yeah yeah yeah and that's distressing interesting so i mean you know the noble the intellectual the wisdom says that's a good thing but the little boy likes to be important okay i like i'm like anybody else i i want to be i i want to be a big deal you know and so i everybody does and i'm kidding a little bit but not much yeah as soon as some of those succession plans started working i looked up and emotionally the ground started moving around under my feet and so you know i took uh six weeks off last year in a row for the first time in my life and we have the ramsey personalities on the ramsey show and uh we've had the ramsey personality on the ramsey show for four years and so and everything's fine we know what they we know they can handle it when you're there but we know that even if i'm not there we know they can handle it and we know the audience likes them and um you know we've worked through all the little kinks and stuff to get all that ready and so i'm like okay i can take off and they can just do the show and I did and the ratings went up come on no way well I was gone no way really hurt my feelings you're like we're making all this money but no one cares about me right wow yeah you realize you're not the messiah wow so this job's taken six weeks huh yeah I was gone yeah what would it look like to take three months off and have the personality do you think it would grow?

29:29Yeah, I think it will. Um, I think it, I think it's at that point now and that's what we've worked really, really hard on for 15 freaking years, you know, uh, and had a lot of false starts and a lot of problems, but we're, we've kind of got that part of it working. We got the leadership team working and I'm the CEO. My son, Daniel is the president. We did that three years ago and he and I were carrying about 50, 50 % of the load of running the place. And then we went to 60-40 and we're at about 80-20 now. Wow. Because, you know, the last thing you need is the old man showing up and throwing grenades, you know.

30:02What do they call it? The seagull management. You fly in and poop over everything, you know. You talk about it in the book that there's six drivers of business. You know, the personal one, which is kind of the first one, which is you're both the problem and the solution. And I'm hearing you say that in this part, you know, by limiting your drivingness in the business down to 20%, you know, there's that's a solution for you. But it's also hurting you maybe that you're not as in control as you once were with your baby. Yeah. And but the irony is, is that you kill things that you love if you don't turn this loose.

30:41I, you know, because we've coached 10 ,000 small businesses and we've coached the 85 year old dad with a 65 year old son who still isn't in charge. Wow. You know, he's been neutered. Right. I mean, that's just ridiculous. But the old man just won't let go because he's freaking control freak. And the, the, the first gen one to gen two is a hard head. It's that's emotionally the hardest of the succession plans because they have, they built this with their hands in the dirt. which is true, but this thing of prying their hands off of it, it's just an emotional experience. And that, oddly enough, is the last stage of the five stages, is the legacy stage where you plan an exit of some kind.

31:26Succession is one version of that. Obviously, you could sell. You could sell to team members. You could let family come in, which is our case. The next generation of Ramseys will be running this 100%, and we'll be the owners of it. if I died today, my wife does not get Ramsey. She doesn't? No. She doesn't want it, and she's not capable of doing it, and it would bring her pain and everybody else involved. Right. So, no. I mean, and that's been that way for a long time. Believe me, she's okay. Right. She'll get paid out. Yeah. No, no, she didn't get paid out of this. Really? No. We've got enough wealth.

32:01She's going to be okay. But the and and she just is that makes her into the cheerleader for her children who will be aren't children, but her adult children that will be the next generation of that. And so we just had to work on that. And you have to do it intentionally because too many people on that last stage of the five stages, you know, they grab their chest. And as they're falling back in the grave, they toss the keys out, you know. And the probability of that working is almost zero. Wow. Because there's so much that's left unsaid, undone. Nobody knows what's going on. Everybody's surprised.

32:45And it's very, very difficult to turn that into. Yeah. Processes aren't in place or whatever it might be for the transition. Well, trust is not there in the person that catches the keys. The customers don't know them and trust them. The vendors don't know them and trust them. The team doesn't know them and trust them. They just happened to be standing there because they were family, and the keys came out of that grave, and they're like, oh, no. And everybody else goes, oh, no. It's a problem. So the more gradual the handoff, the higher the probability of success. I love that you always talk about your wife and kind of the journey and how she's been a cheerleader and supported you throughout this and probably given you some tough love at different times as well, maybe when you made some mistakes.

33:24Every day. Every day. I, you know, I'm wondering if you can share some wisdom for me. I just got married. And for those who are also business owners or entrepreneurs who are in a marriage, whether they've been married for a while and they're launching into business or they've had a business and they're launching into marriage, what advice do you have for either me or those in that situation on how to make sure you can have a thriving marriage while handling a business? Yeah. um well i mean there's two possible scenarios one is the spouse works in the business and two is they don't the second one is what we've done uh sharon never one time has worked here she's never been a part she never had a responsibility at ramsey from the time it was a card table in our living room all the way to where it is now um but i did discover and you and i have talked about this before.

34:21I'm looking for principles of success, financial and otherwise in scripture, because I'm flat on my back and I'm like, okay, God, you're going to run this. And one of the things I found was Proverbs 31, who can find a virtuous wife for her worth is far above rubies. The heart of her husband safely trusts her, which indicates that virtuous part, she's trustworthy. This is not a flake this is not a high maintenance princess this is a this is a person that's solid um he safely trusts her and he will have no lack of gain and so the way that what we translated tactically out of that was um that we don't make major decisions anywhere in our life anymore and we did before i went broke i've owned real estate sharing even know where it is and didn't even know what happened.

35:16And not because I was hiding it from her. She just didn't care, and I didn't care to tell her. And I was getting it done. That was my job, and her job was to take care of babies, and we're just getting it done. And dumb, really dumb. So we don't make major decisions for 40 years without both of us being in agreement. That's for the business as well? Everything. Wow. But major is defined by ratios, right? Yeah. What is a major? In the early days, buying a$12 ,000 phone system was a major decision. Yeah. There were 10 employees. And so Sharon comes down and doesn't want to. She's out running around buying groceries.

35:53I'm like, come by here. You got to meet this phone guy. You got to look at this. You got to. She, I don't know nothing about phones. I don't care. I want you to look at this. It's a$12 ,000 decision. $12 ,000 is a lot of freaking money. And yeah, it is. Okay. Well, make sure. Help me just. I want you to just walk in the room. And then I don't, I learned pretty quickly. I mean, she's got a degree in home ec and she's a full-time mom. And so she's not a sophisticated business person. But she has powerful intuition. And what she always says, she's real country for us. She says, I got common sense.

36:23Yeah. And she does have common sense. And so I'll ask her when we're driving away from having a meeting. I don't ask her what she thinks. I ask her how she feels. Oh, my gosh. And, again, we always laugh because it's a seven-syllable word. and she goes oh i got a really good feeling about him okay we're hiring that dude wow uh or nah something wrong it's a bad feeling and i don't even know what that is but every time i go against it it costs me 10 grand so i quit doing it i don't know what that means i don't know how god the holy spirit is using that little hillbilly woman but it worked out good i'm just saying so yeah we don't do that before we're given a big gift in the old days$500 was a big gift of generosity now it's got more zeros on it and so we say okay and my daughter runs our family foundation so often if there's a large gift involved Sharon and my daughter will go visit the people and walk around and feel the air in the organization and then we can come back and Sharon can say okay I got a good feeling or I don't have a good feeling.

37:30And, and my daughter's done all the due diligence and looking into the operational part of it to see if it's a good investment for God's money in this ministry, but, um, all that stuff, but you know, same exact thing. So, you know, copy your paper, she's no longer involved in purchasing, but, um, and she has no idea what we spend on coffee here, which would blow her mind. I was 1100 people. I mean, can you imagine my coffee bill? So that kind of stuff. So it's like stuff like that. But if we get ready to build one of these buildings, Oh, she's checking it out. She's feeling it out, everything.

38:00She sits in with the architect and with the builder, and then we pull the trigger and we go execute it. And she's like, I think that architect will be fine. I like her. She's sweet. And I think she's smart. And we walk away and we're ready to go. So, yeah, that's huge. That's how it works. So a lot of your business then, I'm hearing you say, is based on a feeling of your wife. The big single stuff. So, no, not a lot of it. That would be 2 % of it. Okay. The big single stuff. If something's big. In the early days, it was a hire. Right, right, right. Hire's a big deal. Yeah. You know, when you hire your first 10 people, every one of them's a big freaking deal.

38:34Wow. And so we would go to dinner with them and their spouse before we would hire them and ask their spouse to pray about it. And, you know, is this guy, is this woman or this man going to be, do you think they work with these people across the table from you? And y 'all talk about it. Because if y 'all don't believe this is going to work and you're just collecting a check, it's not going to work. And we've done that from, we still do spousal interviews as the final interview. interview. But it's not me and Sharon. It's the leader and their spouse go with the person we're hiring and their spouse.

39:03And we're pretty much already hired at that point unless somebody really gets a red flag and they shoot up a flare. And occasionally a spouse on the hire or a spouse of the leader will save us from making a mistake. I mean, at the end of the day, what I'm hearing you say, correct me if I'm wrong, it sounds like if something feels off in that final interview, it doesn't matter how good they look on paper, where they went to school, where they worked before they're not coming here nope so at the end of the day it's because i've i've talked her into it a few times i'm like you sure because this one's really good well i'm not real sure it's okay whatever y 'all want to do and i'm like she'll back off you know yeah and then i get then i got drama for the next six months because i hired somebody i shouldn't have hired you know so i don't i don't go against it and sometimes i'll tell you one that really happened in the early days we had a young guy he was like a little model he looked beautiful he was as sharp as a It's like everything you'd want.

39:55We go to dinner with him and his wife. It's like Ken and Barbie. You know, it's ridiculous. And Sharon, the guy's like everything you, you know. And we come home and she goes, woke up the next morning. She goes, I really feel dumb saying this, but I've got a bad feeling about this. And he goes, and she almost never plays this card, by the way, which is part of being virtuous. I mean, 5 % of the time. She's not crying wolf every day. 95 % of the time. Because if she was playing the card all the time, that would be the definition of not virtuous. We've done a lot of good work to get to this point.

40:31We've already culled a bunch of bad flavors. Anyway, she woke up and I called the guy and I go, hey, we don't know what's happening, but I tell you what we're going to do. We're just going to push pause. We're going to revisit this in a couple weeks. I didn't just run him off because I couldn't. She was too quick. And he called me back six days later, and he goes, he was like in tears. He's like, I've never met any people like you people. Y 'all are weird. And I went, yeah, that's true. We are. I'm sorry. And he's like, no, I mean, I don't know how this happened, but I got a job offer this morning for twice what you were offering me.

41:15And I'm like, see, you weren't supposed to come. Wow. Go take that, dude. Yeah. and he goes yeah but how did you i said i didn't i didn't i called sharon and she's like told you but it wasn't that he was a bad guy it was god had something better for him than us and he told us to you know he gave through her sense or her her holy spirit common sense or whatever you want to call it this intuition you know and that's how that kind of stuff has happened over 35 years enough that you go yeah this is a good idea just trust it yeah just trust it. Yeah. It was good for him. It's so interesting that, you know, that energy and that spirit is something that continues to guide you today like it did in the early days as well.

41:58And it helps build what you have right now. Yeah. You change processes, but you don't change principles. People that never change principles or that never change processes and change all their principles are called bureaucrats. That's what they do in the government, you know? But entrepreneurs, We iterate, we change, we make up a new thing every day. But you don't change the principles that guide you, the values, the system. Okay, I trust my wife. That's a principle. I don't borrow money. It's a principle. And I don't change that. But when we started, there wasn't even an Internet. So obviously you've got to change processes.

42:40You talk about these six drivers in business in the book, Building a Business You Love. We talked about personal, there's purpose, people, plan, product, and profit, which you say profit is making money with integrity. Has there ever been a time where you were trying to make easy money, that it wasn't integrity? It wasn't making money with the value of the principles that you have? You're like, oh, that's a quick thing I could do right there. Easy money as opposed to based on integrity. Yeah, I made the mistake in the early days on radio of taking some ad endorsements that I wasn't proud of. Interesting.

43:21And every time I did the ad, I felt like a jerk. And obviously, they didn't work. Hello. And so they're not there anymore, and they didn't last very long. But I was trying to make an ad sale because I'm a salesman. I'm trying to make a sale. and so I made the sale and I didn't sell myself I just sold them you didn't sell yourself in the product exactly exactly and so we in those days we came up with the the metaphor and we still talk to our sales team about it to this day is if I wouldn't be really really excited to tell my best friend's mother to do this no I'm not doing it I'm not doing it yeah because my best friend's mother knock a knot on your head you know what i'm saying you know i'm talking that kind of you know what i'm talking just put it in that rather than oh because you can justify your butt away and your integrity too if you're not careful and we didn't ever do anything like yeah perpendicular like we didn't sell credit cards or something like that you know but we but we did you know i did bring on products that are like yeah it was a little slimy i'm not sure about that it's uh but the money's good you know and so but now we don't put anything on even if it's not in our voice even if it's not a personality's voice um that and we don't ask any of our personalities to say you know if you won't use this product then don't you know don't put don't put your voice on it that's great that you guys do that because i think a lot of companies would just say make as much money as you can take whatever you can get and you know at school of greatness there's a lot of stuff that i won't do i don't i've never been not this is bad or wrong but it's just against what I do.

44:58I've never been drunk or high, so I don't do any type of drugs or pharmaceuticals or things like that for me just because it's not what I believe in for me. Right. I don't do gambling stuff. I don't do any of those type of ads. We don't either, yeah. And it's just a lot of money there, though. Yeah. A lot of people throwing a lot of money at it. I mean, you know, the freaking sports betting, they were actually big chicks. Big chicks. For anything that's on the air. They don't even care who you are. Yeah. They've got an unlimited budget, I think. Yeah. Yeah, we don't do. I mean, sports betting is a huge problem with our audience.

45:28That's why they go into debt. Yeah. It's breaking up people like crazy. It's a huge addictive issue. Yeah. And so now we're not going to have so-and-so sports betting either. It was the same thing. I mean, that's one we would not have had in the old days either. But this is more like, okay, you know, this company, food's not really good at that restaurant. Right. But we're going to send them over there anyway. You know, it's a restaurant. They got food, you know. But no, we don't do that. And that hasn't happened in 25 years. But in the early days, I was trying to get some cash in the place and pay payroll.

46:03Of course, of course. I think that's when you're most likely to cut a corner. Yeah, when you're trying to survive or just stay afloat. How do you, I don't know, maybe this is a weird question for you, but when you're making money with integrity, which you talk about in the book, and you say no to money, essentially, Like someone's trying to give you a sponsorship, endorsement deal, whatever it might be, an advertisement, and you're like, no, that just doesn't feel right. How do you think about that spiritually for you about how either God is going to set you up for something greater or you're not missing out on the opportunity?

46:35What is the spiritual mindset you have in that moment? Usually those things have real good short-term feeling and a horrible long-term. Yeah. We had a major retailer that everyone knows talk to us about 15 years ago. They wanted to take some of our, in those days, CDs and books and stuff and build a Ramsey package custom for them, which was really exciting. And the order was going to be$10 million. And it was really exciting. That's a lot of money. There's good margin. Not great margin in it, but there's decent margin. And the other thing was it was really good branding because we're going to be on major shelf position all over America in this major retailer.

47:22And people walk in and go, oh, look at that. So-and-so says Ramsey. Yeah, Ramsey says so-and-so. Okay, yeah. So the shelf positioning had a value, unquantifiable, but it had a value, like buying a billboard. And so we're looking at that and looking at that, and we get really excited about it. We got way down into it, got into the contract negotiations on the final thing. And they said we were printing packaging and re-recording stuff that was only for them, had their name on it. So you're already doing that work. No, I was going to do that in this deal. That was how the deal was set up. And then they come in and go, okay, yeah, and we have full returns.

48:03And I'm like, you want me to put your name on$10 million worth of crap and send it over there, and you can send it all back if you're$8 an hour stock boy don't get it on the shelf, and it doesn't sell uh-uh uh-uh we're not doing because what happens is i got 10 million dollars worth of stuff in the dumpster and i'm out of business uh and so we walked you know we talked about they said well that's our that's our that's our policy everybody does that and i said well now you can't say that because you found somebody that doesn't do it so i'm you know if you want to take some of our existing stuff that when we take it back we can repurpose it we didn't print your freaking name on it yeah we'll do 10 million dollars worth of that with full returns all day long.

48:40I can figure that part out. I can absorb that blow, but throwing it all in the dumpster because it's useless because you've got somebody's name on it that didn't want it anymore. We're out of business with$10 million. So we had to walk. And that kind of stuff falls right in that category. That's the bucket for me is you got to go, ha, ha, ha. You're like, ha. Pull it back. Yeah. Dadgummit. I know, right? One of the drivers of business you talk about in the book is people. And for whatever reason, when I think about you and the Ramsey brand, I think about culture. That's just the thing that I hear a lot.

49:12Every time I come here, I feel it. I go, we're going back to feelings. Walk in, you feel like you're home. You've just got an energy here and a presence of the people. I'm sure every now and then people are off or whatever, but in general, the culture here is a beautiful feeling. Going back to your wife's word. And you see it, you know, just the inspiration, the quotes, the scripture, the attitude, the energy, the effort that people bring here. People show up, they're on time, they're organized, and they're positive. And it doesn't seem like people are overworked or exhausted or just like, ah, here 12 hours a day.

49:51They have structure and they have organization. We go home if I have. But you got to be in every day and you got to do your job and you got to get results and you got to be a good person. And I feel like that's where a lot of people struggle is building the culture and the team. What would you say is the main things that have allowed you to continue to thrive culturally? If someone is never going to be able to come here, what does this place have that most places don't have that allow you guys to continue to thrive? It's very weird, but it does come down to we don't tolerate, and I don't want that to sound like a bully, but we don't tolerate it to be otherwise.

50:30And so if someone does come in late, we're going to talk about it. What's wrong? If someone's negative and grouchy to each other here or customer, what's wrong? What's going on? Because we don't do that. And if you want to be a we, we got to fix this. Otherwise, you don't get to be a we. and so uh because the people who work here they're on it they're game on and they're on time and they're excited and sometimes they have bad days or sometimes they go through personal stuff you know their their spouse has cancer they've got a sick kid you get a pass that's great okay but but we're gonna ask you what's your problem what why what's going on and why are you late and uh well you know well the kid's sick okay i'm sorry what's wrong with the kid how can we help okay now we can And, you know, but that's a temporary and a fixable thing.

51:24I chose not to come to work on time. You know, you get about one of those. Really? And, you know, we're not mean about it, but it's like, come on, man. I mean, really. Act like you own the place. You know, the people that work here care. And, you know, can't be a J-O-B. You stand out like a sore thumb in this place. It's like, bing! If something's off, it stands out. And someone that, you know, we had a guy a few weeks ago blew up, or a few months ago, rather, blew up in a meeting and started cussing at him. Really? at two or three people in there and we're like hey i don't know where you think you are but you're not in that place wow yeah yeah you know we sat down and he's like well i've just had it you people don't know what you're doing and they're leaders yeah i guess you have see you later yeah yeah yeah and sorry man and you know he just um he didn't his spirit had left the building he forgot to take his body with it you know and so um and you made sure his body left as well yeah i mean we helped you know but yeah we're not we're not mean about it but just like come on man i mean this is the people love working here because we don't do that yeah yeah and we were not we know we don't mind arguing with each other we argue all the time about which play to call to win the super bowl but not about you're calling me a jerk or you start calling my mother names or something we're not doing that that's just nuts but that's normal in other places what about if someone's really talented and they're actually driving the business growth but they got a nasty attitude because on their tone they kind of stay they got a they can't they're just frustrated they're kind of disgruntled they're just we've got if we got to fix it or they got can't stay really yeah so how important is attitude and energy it's more important than talent really and over results because what you're doing is you're shutting down all the other talent you're shutting down everybody else everybody else is like i don't want to i'll do anything to keep from being in a squad with that guy wow i don't want to be with it he's just he's really good at what he does but he's complete flip and twerp i just don't want to deal with him and that stuff happens you know that happens at ramsey and sometimes it happens because someone is just there again their spirit left and we joke about that but they really their season is over and they didn't activate they they became disillusioned for whatever reason and that can happen yeah um does happen and um you know they they get tired of my personality or whatever.

53:45I mean, that's okay. I understand that. Yeah, yeah. Don't be here then. Yeah, it's just because that kind of goes with the package. You know, it's like, so, you know, it's just that, but people, what happens is you get what you tolerate and, you know, and you get what you allow. And Maxwell says, don't sanction incompetence. And behavior incompetence is just like being incompetent at the actual task. And that can destroy culture. And let me tell you, culture creates trust, and stuff moves at the speed of trust. So this 1 ,100 people in Ramsey, we get the work done of about 4 ,000 people because of the speed at which – because you don't have to look over your shoulder all the time because there's not a dagger coming at your throat.

54:32And we bust it. But it's like a team that's in a flow, a team that's in a zone, where the quarterback knows he's okay to throw the ball because he's not going to get his knees taken out on the blind side. That left guard's got him or that right guard's got him depending on which way he's throwing. And so once he knows that, it makes his efficiency go up and it gives the guard that's protecting him great pride and dignity because we say that guy's more important actually than the quarterback because without him there is no quarterback. And, you know, and we just, you know, the guy that ships books here, you know, when you ship a book at Ramsey, you probably could have saved somebody's marriage.

55:13You could have led somebody to God with that book. You definitely could have gotten them out of debt. They might be millionaires because you put that book in an envelope and shipped it out of here today. And you did it on time. And the spirit on that envelope was fun and smiling. Not I hate my job and I don't want to come to work today. Wow. That positive energy. It's there. I mean, that's God's spirit. I have one final question because I'm running out of time here. Before I ask the question, I want people to get the book, RamseySolutions.com slash build. You can go there and check this out, or you can go to RamseySolutions.com.

55:49You can see the book. The book is called Build a Business You Love, Mastering the Five Stages of Business. And there are really kind of six drivers of business that you talk about on how to master as well. The six drivers push you through the five stages. Yes. And this becomes the baby steps for small business. That's beautiful. That's beautiful. Really inspiring. I love the golf stories and the golf analogies in the beginning as well. But if you guys are looking to launch a business, you're in a business that's not getting to the next level, make sure you pick up a few copies today and support the man here, Dave Ramsey, with this book.

56:23Because it's really going to help you. This is the final question because I know we're hitting our time here. if you could have we're talking about the emotional incompetence I think you said Maxwell was talking about would you rather have someone you probably wouldn't want either but would you rather have someone who's emotionally competent but lower level talent versus someone who's the highest level talent and just a little bit emotionally incompetent or a little bit of a bad energy well like you said the answer is obviously to get both and to just solve for that in the interview and the recruiting process.

57:00But I'll choose, you know, the emotionally competent C-plus player because they'll get to A-plus when they're running with a bunch of other thoroughbreds. You put them in the stable with a bunch of thoroughbreds, and they all like each other. The other horses will get them up. They'll get them moving. But if you put a donkey in there, them thoroughbreds don't like donkeys. Is there anything else? Is there any final words you want to say, Dave, for this conversation? You know, I think that I am a huge small business guy. 54 % of the gross domestic product in America today is created by companies that have 500 or fewer employees.

57:43Small business mathematically with arithmetic is the backbone of the American economy, the free enterprise system, the ability to get up, leave the cave, kill something and drag it home and believe you can do it. The people that fight through the pain and the insecurity and the ADD and the dyslexia and the stuff that we all fight through to get to be who we is. Those are the heroes in the American economy. So anything we can do to help those guys, that's what I want to do because I'm one of them. We appreciate you, Dave. Thanks for always coming on and sharing your wisdom and being so honest and vulnerable.

58:18Appreciate it. Appreciate your friendship. Appreciate you. I have a brand new book called Make Money Easy. And if you're looking to create more financial freedom in your life, you want abundance in your life, and you want to stop making money hard in your life, but you want to make it easier, you want to make it flow, you want to feel abundant, then make sure to go to makemoneyeasybook.com right now and get yourself a copy. I really think this is going to help you transform your relationship with money this moment moving forward. We have some big guests and content coming up. Make sure you're following and stay tuned to the next episode on the School of Greatness.

59:01I hope you enjoyed today's episode and it inspired you on your journey towards greatness. Make sure to check out the show notes in the description for a full rundown of today's episode with all the important links. And if you want weekly exclusive bonus episodes with me personally, as well as ad-free listening, then make sure to subscribe to our Greatness Plus channel exclusively on Apple Podcasts. Share this with a friend on social media and leave us a review on Apple Podcasts as well. Let me know what you enjoyed about this episode in that review. I really love hearing feedback from you and it helps us figure out how we can support and serve you moving forward.

59:38And I want to remind you if no one has told you lately that you are loved, you are worthy, and you matter. And now it's time to go out there and do something great.