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I know that you're very strict on these types of things, mr. ramsey. so give me your top three spending tips. >> i'm seriously, i am not the grinch. i don't care what you say. truthfully, you need to prioritize. you've got to do the written budget. you've got to have a christmas budget. santa claus says make a list, check it twice and then pay cash. you pay cash. and you put that amount of cash from your budget in a christmas envelope and when your christmas envelope is empty, you go home. if you want a budget form, pick it up at dave ramsey.com. it's a free download right now. >> gretchen: he...

I learned actually from my father when i was pouting, i think i was about 35, still pouting, and my father said to me-- dad, geez, i have a really tough life and he said, i know. he was busy baking at the time. i know, son, a bad life so hard. >> yeah, he said, i tell you what, i've got the bread in the oven, would you do moo he a favor of make a list of all the bad things in your life, the horrible things that happened to you and call me tonight. i called him back in about ten minutes and said you don't have bread in the oven do you, dad. >> he laughed and said, you figured it out that fast? ...