071514_YKMV_A2.pdf
July 15, 2014 • Page 2
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Dave Says
Contentment Is A
State Of Being
Like a doctor removing
something important, Herb
Collins gently peeled the
wrapper back from the root
ball and tenderly placed the
baby tree in the hole. Then
he stood and walked around
it to see which way he
should align it. Actually,
looks pretty good just the
way it is.
So he took his bucket of
mixed sand and compost
and began sprinkling it down
onto the roots and then
packing it in gently with his
fist.
Every few minutes he’d
stop and read the directions
again. When he ordered the
tree, the nurseryman had
written back “Are you sure?”
Well, that made ol’ Herb
laugh. Yes, he was sure. He’s
always sure this time of year.
He was still chuckling to
himself when Janice Thomas
walked along the sidewalk.
“Hi Herb,” said the high
school art teacher. “What is
it this year?”
“Papaya, Janice. Nice
healthy one, don’t you
think?”
Janice took a close look at
the little dark green tree.
Papaya.
“Isn’t that a tropical tree?”
“Sure is,” he said, tucking
more dirt around the roots.
“I have to read the instructions carefully to get this
right.”
Janice thought carefully
before speaking. “Papayas
sure taste good, Herb.”
“Sure do. Wouldn’t it be
nice if this lives long enough
to produce fruit?”
“But you’re not expecting
…”
“Of course not. The first
nippy day in autumn will
turn this little guy belly up.”
He looked up and smiled
at Janice’s consternation.
“You know that banana
tree almost made it to
Christmas last year. That
was my best so far. We’ll see
how this little guy makes
out.”
Each year Herb plants
something in the front yard
that has no chance at all of
being there the following
spring. He’s done it for
years. It gives the neighborhood something to look at
and talk about, and it’s fun.
“You know, Herb, if you’re
looking for fruit, a cherry
tree will produce …”
“I’m not looking for fruit,
Janice,” he said, gently. “I’m
looking for glory. Glory!”
He laughed. “Where’s the
glory in planting something
that will grow here? Anyone
can do that. But a papaya?
Ha! There’s glory in that.”
------------------
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Dear Dave,
My husband
has a great job,
and I love my work
and schedule as a
substitute teacher.
However, he wants
me to take a fulltime position so
we can build more
wealth. The only
debt we have is
our house, and
we've already
saved and invested
a lot of money.
What's your suggestion for this situation?
— Marie
First and foremost, you
two have a responsibility to
take care of each other and
your own household. It
sounds like you're doing that
pretty well. So, if he wants you
to take a full-time job only to
build more wealth, I think
that's a bad idea.
Wealth is for quality of life,
and quality of life includes giving. It also includes a safe and
stable future. But if you have
to surrender the joy in life to
do that - to build extra wealth
or build at a different pace well, to me that's just wrong.
Contentment has nothing to
do with how many hours you
work or how many zeroes are
in your bank account.
Contentment has to do with
your state of being. It's connected to your sense of gratitude, happiness and your pri-
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policies are just a gimmick.
You're not double dead if you
die by accident, and your
spouse or family doesn't need
the money if you die by accident rather than a heart
attack. They need the same
coverage and the same protection regardless. When it
comes to life insurance, I recommend a good level term
policy that's 10 to 12 times
your annual income. That
means if you make $50,000 a
year, you need $500,000 to
$600,000 in coverage.
Still, if it's really free I've
got no problem with the policy. Just make sure you're not
paying some other big fee to
join a club so you can get
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all!
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Dear Marie,
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Dave
orities. The idea
that contentment is
on the same spectrum as ambition?
No, it's not.
I don't think you
should take on a
job or a schedule
you hate just to pay
off your house a
couple of years earlier. I wouldn't do
that, and I don't
recommend you do
it either. People
should do something with their
lives they find
enjoyable and they're called to
do. Now, if your kids are going
hungry and your bills aren't
getting paid, then you do
whatever it takes. But in this
case, Marie, you're happy and
you guys are in a great place.
I'm sure your husband is a
great guy, but I think he's
wrong on this one.
— Dave
* Dave Ramsey is
America's trusted voice on
money and business. He has
authored five New York Times
best-selling books: Financial
Peace, More Than Enough,
The Total Money Makeover,
EntreLeadership and Smart
Money Smart Kids. His newest
best-seller, Smart Money
Smart Kids, was written with
his daughter Rachel Cruze,
and recently debuted at #1.
The Dave Ramsey Show is
heard by more than 8 million
listeners each week on more
than 500 radio stations. Follow
Dave on Twitter at
@DaveRamsey and on the web
at daveramsey.com.
— Dave
YOU AREN'T DOUBLE DEAD
Dear Dave,
My credit union offers free
accidental death and dismemberment insurance. Should I
take it?
— Alaina
Dear Alaina,
That's fine if it's free.
However, I wouldn't rely on it
as an integral part of my overall financial plan.
In most cases, accidental
death and dismemberment
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