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Can raise money smart kids doing that. >> do you think you will pass this on to his grandchildren going forward? >> i think i have to. absolutely. i feel like mom and dad set me up well where i had a solid foundation where i could go out on my own. that's my hope with this book that we can give our kids a solid foundation as well. >> radio show, books, speaking tour, you are doing a speaking tour. what's the most gratifying part of your job? >> i enjoy all of it. the whole thing is to meet folks. doing a book signing we meet folks and they say we went through our class and it caused us to save...

Debt on a tight budget. some things are straight up waste and other things you have to tighten up to win. >> designer baby clothes also known as glorified stain gatherers unused gym membership, premium cable packages, daily coffee trips. >> all of us got that one, right. >> we're addicts. >> yeah, we are. >> what do you say to somebody who watches this and thinks there's no way that debt free scream. i'm under water. the job pays so much. >> you know, anybody can do this stuff. it's just a matter of how long it takes and how much you are going to do and how much you are going to cut. it is a s...

Famous dave ramsey debt free screamer. we are back with -- smart money, smart kids trying to raise kids that never have to yell debt free because you don't want them to get there in the first place. a lot of that has to do with boundaries you talk about everything from the car to your wedding, budget for how much you could spend but also college. this is crazy. look at the statistic. the average college debt in united states of america $33,000, twice what the credit card debt. so easily people have that on top of the credit card. what's going on? >> you have to keep in mind, that's the average...

Want to have. it's just a matter of what you will do with your money. you have to stop and think. a lot of this applies so when someone is working to get out of debt on a tight budget. some things are straight up waste and other things you have to tighten up to win. >> designer baby clothes also known as glorified stain gatherers unused gym membership, premium cable packages, daily coffee trips. >> all of us got that one, right. >> we're addicts. >> yeah, we are. >> what do you say to somebody who watches this and thinks there's no way that debt free scream. i'm under water. the job pays so mu...