122314_YKMV_A2.pdf
December 23, 2014 • Page 2
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Dave Says
Helping Him Stay
On Track
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
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M I S S O U R I VA L L E Y
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.”
-----------------Brought to you by The
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— 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
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Dear Dianne,
I like what you’ve told me
about your daughter. She
doesn’t need to worry about
dental insurance though.
You almost never get back
what you put into those policies. It’s the kind of stuff a
good emergency fund will
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pretty serious about getting
her finances in order.
If it were me, I’d make the
money for dental work a gift,
not a loan, for turning her
financial life around. In your
description you never mentioned anything about your
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REWARD HER GOOD CHOICES
Dear Dave,
Our daughter wasn’t very
responsible with money until
she read your books. Now,
she has really started turning her life around. Recently,
she learned she needs to
have some expensive dental
work done. Since she just
started trying to manage her
money well, she doesn’t
have enough saved up for
the procedure or dental
insurance right now. Do you
think we should help by
loaning her the money?
1200
4
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2
— Diana
Dear Diana,
I’ve learned, after years
of writing books, doing a
radio show and trying to
educate folks about their
finances, you can’t make
people listen to you. Even
with what I do for a living I
don’t throw my opinion
around unless someone
asks.
I think you’re smart for
realizing there are some
boundaries here. But there’s
no reason you can’t create a
situation where he can ask
your opinion. You might
begin with talking about
some of the mistakes you’ve
made in the past. This could
help him connect with you,
and feel more comfortable
6
1
opening up about
his own situation.
Once he realizes
you haven’t
repeated the same
mistakes, and have
a better life for it,
he might just ask
how you did it.
Then, the door is
open!
But you can’t
become preachy
every time someone does something dumb. That
will only hurt their
feelings and cause
them to tune you out completely.
— Dave
RAMSEY
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Dear Dave,
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Dave
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I’m afraid he’s
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same old money problems,
but I don’t know how to talk
to him about it.
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