Question: Sarah's husband has been out of work for four years, and he's had health problems. She tries to encourage him to find a job, but he sits at home and watches TV. How can she get him excited to start looking for a job again?

Dave Ramsey's advice: He must be depressed, because I would be if I were sitting at home. I'd be cutting grass or picking up rocks or something by now. He's got to do more than just looking for a job in the newspaper. No one will get a decent job from looking in the newspaper. You either need to move or he needs to create something for himself.

I'm sorry, but I don't relate to this at all. This guy either has psychological problems or is lazy, and he needs to deal with it. This is ridiculous! He needs a fire lit under him tonight to go do something. My GOSH!

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Dave reads a success story from a single mom who has been living Dave's way for 13 years. What does she have to show for it? A heck of a lot more than if she relied on the government to do it for her!

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Question: Emily's 30-year-old brother has no debt, but lost his job and has resorted to gambling. He wins a lot and is generous with his winnings. How can she rationally talk to him that this is a disaster waiting to happen? It depends on how rational he is, says Dave.

Dave Ramsey's advice: I don't know how you communicate that. It depends on how willing he is to listen to you. Some family members you can talk to diplomatically. No one makes a living off of gambling. That only happens in the movies. Don't get caught up in that; get a job instead.

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