November 12, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Emotions, Basics, and Change Dear Dave, I’ve gotten out of debt before following your plan, but I always seem to fall right back in. I find myself spending more than I mean to whenever I go out shopping or running errands. I’m tired of all this, and I want to stop busting my budget and get control of my money once and for all. Do you have any advice? Patrick if we just go out and buy their stuff. I can tell you from personal experience when this idea is crammed down your throat every day, it can warp your perception of contentment and happiness. Lots of stuff does not equal lots of happiness. If you’ve tried several times, and are still falling back into the same old trap, maybe you should approach your situation in a practical, day-to-day way. Stop going places where you’re tempted to spend money on silly things. When you go out running errands and shopping, make a list of only the bare necessities, and take along just enough cash to pay for them. Dear Patrick, Spending money on a bunch of stuff you don’t need, Dave Years ago, when I lost everything and probably don’t even really want, isn’t going to bring financially, there were two or three you contentment. It’s just going to bust your budget, extremely strong emotions that and put you in a financial hole that will, sooner or later, spurred me toward change. Probably the biggest emotion become very difficult—if not impossible—to dig your was fear. I was scared to death I’d be broke for the rest of way out of! my life, and not be able to take care of my family. Don’t —Dave misunderstand me, though. I don’t think you should ever live your life in fear. But a reasonable, healthy level of fear where some things are concerned can be a fantastic * Dave Ramsey is America’s trusted voice on money and motivator. business, and CEO of Ramsey Solutions. He has authored seven Another emotion was disgust. I realized the way I had been living and handling money was stupid. So, I made a best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners proactive, conscious decision that I was going to change, each week on 575 radio stations and multiple digital platforms. and things were going to be different. The third emotion Follow Dave on Twitter at @DaveRamsey and on the web at was contentment. You know, advertisers try to make daveramsey.com. us believe our lives will be better, and we’ll be happier, RAMSEY Quality Rural Health Care with Less Burnout By Richard P. Holm, MD The elderly patient came back to our rural hospital from a hospital in a nearby larger city after having had major surgery and feeding-tube placement. The care from the bigger hospital was superb except that the patient was getting too much nutrient and fluids and was a bit “overloaded.” Also, the family was concerned that perhaps they had been too aggressive in getting stressful surgery for their elderly mom, whose memory had begun to slip. As her physician, I cut back on the feeding-tube supplements, stopped the intravenous fluids, provided a little diuretic and did labs and X-ray for dementia. I took plenty of time with family and patient learning about their wishes should our patient again deteriorate. All agreed to emphasize comfort from here on out, and if she started to fail, we would do our best in her home hospital and not transfer her care again. I had been that patient’s primary care doc for years. Practicing outpatient and inpatient care in a smaller town gave me the experience to see what was happening. The patient and family knew me, trusted me and appreciated the time I spent listening to her. Quality care reviewers, government oversight people and insurance companies also know the value of a well-trained rural primary care provider who not only understands how to care for complex patients, but also, knows when and where to refer when specialized care is needed. In fact, experts believe an ideal system would define a primary care provider for every person. Unfortunately, there are not enough rural primary care docs. Many speculate as to why this is; however, I believe the need has resulted from misinformed med students and residents who think the lifestyle in rural America is not satisfying enough. In the July 2019 issue of South Dakota Medicine, a survey of family physicians practicing in this state found much lower burnout rates in family docs practicing in rural areas (25 percent) compared with those practicing in larger metropolitan areas (51 percent). Evidently, some social aspects of rural practice seem to confer a protective effect against burnout. This new data should be helpful when young physicians are looking for the most satisfying places to practice. My elderly patient went home in about a week, happy with our community hospital and the care she received. Her doctor was also pleased, as he had the reward of successful care, the honor of satisfied family and the joy of truly helping someone while practicing in a rural setting. Richard P. Holm, MD is author of “Life’s Final Season, A Guide for Aging and Dying with Grace” available on Amazon. For free and easy access to the entire Prairie Doc® library, visit www.prairiedoc.org and follow Prairie Doc® on Facebook featuring On Call with the Prairie Doc® a medical Q&A show streaming on Facebook and broadcast on SDPTV most Thursdays at 7 p.m. central. Wife’s Time Out By Daris Howard When we had seven children, many of them quite young, I was working as the Internet Manager at the local university, along with teaching. My days were long and hard. When I came home, I was exhausted, but I would take time to play with my children and help around the house. But there were times when server issues kept me at work late into the night and sometimes even into the morning hours. Much of the burden of taking care of the children fell to my wife, Donna, who was home most of the time. In the latter part of the fall, I could tell that she was tired, not just from lack of sleep, but from not having any time to herself. I tried to think of something that she could do that would give her a change and be something she would enjoy. One day I was looking through a brochure that came from the university, and I had a brilliant idea. There was an Italian professor who worked in the Physics Department just down the hall from my office. The Physics Department did not have a microwave in their faculty room, but we did. So each day he would come to our department to heat up his lunch. The aroma of cheese, oregano, and many Italian herbs and spices filled the air and made my mouth water. The paper I was looking at was the university’s community classes. Anyone in the community could propose a class on a subject that they felt might be of interest to others. If the class was accepted, the person would teach the class in the evening. The class that caught my eye was one on Italian cooking to be taught by the physics teacher’s wife. My brilliant idea was that Donna could have time out for herself, and I would get to try some of the wonderful foods I smelled every day. I took the multi-page brochure that listed the classes, and I bent the pages back so the brochure would naturally fall open to the page with the Italian cooking. I wanted to make sure it was the first thing Donna would see. I then took the brochure home and informed Donna that I was going to arrange my schedule so one night each week was hers to do something she wanted. I then handed her the brochure and suggested she find something she liked. She excitedly thumbed through its pages. She went through it multiple times that evening. She took a few more days looking through every option. The next week, just before the classes started, she announced her choice: woodworking. I gasped because she had never done anything like woodworking before. “Woodworking? I thought you would choose Italian cooking.” “That looks good,” she replied. “But I cook much of the day every day. I want something really different.” After the shock subsided, I asked her what she would like to build. “I was thinking about building a cupboard. I have already drawn out the plans.” She showed me her design, and I was amazed both at her skill in drawing and in her ambitious plans. “Do you think you can finish something like this in just a couple of months with only one evening per week?” I asked. “If not, I think I could get a long way,” she replied. The evening of the first class came, and Donna left, excited to try her hand at something new. I changed the baby, fed the children, read stories to them, and got them all in bed before Donna came home. When she did come, her hair and clothes had bits of sawdust embedded in them. She was tired and happy. And weeks later, when the last class ended, I went in to load up a beautiful cupboard, as good as any professional could make. But most important, Donna felt fulfillment in her accomplishment and new skill, and she was happy. Maybe next fall I’ll try my hand at Italian cooking. ACA Health Insurance Enrollment For 2020 Coverage Now Open erested in this spot? ll 665-5884 to e your ad here. nterested in this spot? 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