Attitude time with Dave

Question: John tells Dave that it's easy for Dave to talk about becoming rich when you have a great income like Dave does. He even calls Dave a name. Dave has a response for him.

Dave Ramsey's advice: It's an interesting thing that you bring up. I did this money managing stuff before all my money troubles happened, and I did it before I made the kind of money that I make now. I was completely broke when I started this. I was broke, but I wasn't poor. The only difference between broke and poor is attitude. I think you're poor, and that's sad. Your bitterness is sad for you because you're the only one it's affecting. I know how to swing a hammer and dig a ditch. If I was a trust fund baby, your criticism would stick. But since I'm not, it doesn't.

• Hear the call!