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Build on each other and if you are not doing well now, it gets progressively more difficult to raise money and a little bit like a ball rolling down a hill. so for a lot of the candidates it is do or die to change the narrative as early as possible so they don't end up in a death cycle before they get to the iowa caucus. >> it is like the hunger games. it is not pretty. and you'll see these people on stage, whether you have one debate or end up having two debates, you'll see people on stage and you have to figure out who you have to knock off in order to survive yourself. and for kamala harris...

Shooters in san bernardino to a broader set of cultural religious, you know, community questions by trying to make this argument about isis or one can say there's individuals who are deranged, crazy. we should think of them as individuals with mental illnesses. honestly, i'm not sure which one i find more troubling as a kind of tarot type. stereotype. talk to me about this versus broader connections. >> we live in a very scary time. it does seem like there's a repetitive death cycle on the news. shootings all the time. we live in an era of great uncertainty. does almost feel like, you know, wh...

The other thing is, you can always stop and look for extra work. and when there is a crisis, there is a lot of people need labor right then. so there is a lot of different things you can do to gather money up other than falling prey to these things. this is really a death cycle of money. the payday lender is something to stay away from. >> gretchen: good advice coming from dave ramsey. thanks much. have a great rest of the week. >> thanks, you, too. >> brian: straight ahead, designer trademark jesus jeans and now says no one else can use the name jesus. can he really be trademarked? >> gretche...