Episode Summary: In this episode of the L3 Leadership Podcast, Jade Warshaw, a Ramsey personality, shares her journey to financial freedom and the importance of following the Baby Steps to get out of debt.
About Jade Warshaw: Jade Warshaw, hailing from a musical background, spent 15 years as a professional vocalist, touring 92 countries alongside her musician husband. However, their story took a sharp turn with nearly half a million dollars in debt. Marrying in 2007, they faced a staggering $280K in student loans, coupled with credit card debts and unaffordable assets. In 2008, after discovering Dave Ramsey's Baby Steps, they embarked on a journey to financial freedom, taking up various jobs and even sharing their home with roommates. Despite financial strains, Jade prioritized quality meals, inspired by her childhood. Sharing recipes online, they built a community around debt-free living. In 2015, a debt-free business idea emerged, marking a turning point. By 2017, they celebrated paying off their last $91K student loan on The Ramsey Show, embracing parenthood thereafter. Today, Jade finds fulfillment at Ramsey Solutions, using her journey to inspire others toward financial independence, emphasizing that if they could overcome six-figure debt, anyone can.
4 Key Takeaways:
1. Jade discusses what the Baby Steps program is and how it can help in becoming debt-free.
2. She reflects on life after debt and building wealth.
3. Jade talks about her new book, Money Is Not a Math Problem.
4. She shares some of her experiences at Ramsey Solutions including her favorite Ramsey personality and the challenges and growth she’s encountered in her role.
Quotes From the Episode:
“Start layering up your skills so you can offer more to the marketplace and thereby earn more money.”
“You do need help, there’s only so much you can do on your own.”
“Preparation is a gift you give yourself.”
Resources Mentioned:
Money Is Not a Math Problem by Jade Warshaw
Ramsey Solutions
Connect with Jade:
Website | Twitter | Facebook | TikTok | Instagram
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Doug Smith (00:07):
Hey, leader, and welcome to another episode of
the L3 Leadership Podcast, wherewe are obsessed with helping
you grow to your maximumpotential and to maximize the
impact of your leadership.
My name is Doug Smith and I amyour host, and today's episode
is brought to you by my friendsat Beratung Advisors.
We also recorded this episodelive from the new Birgo Realty
Studio.
If you're new to the podcast,welcome.
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(00:27):
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It takes less than 30 seconds,so thank you in advance for that
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While leader, in this week'sepisode, you're going to hear my
conversation with Ramseypersonality Jade Warshaw.
If you are unfamiliar with Jade, let me just tell you a little
bit about her.
Jade Warshaw serves as a debtelimination expert, financial
coach and co-host of the Ramsayshow.
Jade has a professionalbackground and entertainment and
has performed in over 92countries worldwide.
(01:10):
She has appeared on Fox Newsand Cheddar News and has been
featured in Fortune magazine.
Since eliminating over $460,000in debt with her husband, Sam,
Jade has been helping othersachieve financial peace as a
co-host of the Ramsay show, thesecond largest talk show in
America, jade helps people payoff debt by teaching them to
shift their mindset and actionsaround money, and I loved Jade.
(01:32):
She's high energy, like I am,and so love this conversation,
and in it you're going to hearher talk about her journey of
being, as I mentioned, nearly ahalf a million dollars in debt
and how she became debt free,her best advice for helping you
to become financially free aswell, how she became a Ramsey
personality and what she'slearned by working for Dave
Ramsey and who her favoriteRamsey personality is, and so
much more.
(01:52):
You're going to love thisinterview, but before we dive in
, just a few announcements.
This episode of the L3Leadership Podcast is sponsored
by Beratung Advisors.
The financial advisors atBeratung Advisors help educate
and empower clients to makeinformed financial decisions.
You can find out how BeratungAdvisors can help you develop a
customized financial plan foryour financial future by
visiting their website atberatungadvisorscom.
(02:13):
That's B-E-R-A-T-U-N-G-Advisors.
com Companies and investmentproducts and services offered
through LPL Financial, member ofFINRA and SIPC.
Beratung Advisors, LPLFinancial and L3 Leadership are
separate entities.
I also want to thank our sponsor, Henne Jewelers.
They were jewelry earned by myfriend and mentor, John Henne,
and my wife Lara and I got ourengagement and wedding rings
(02:35):
through Henne Jewelers and hadan incredible experience.
And not only do they have greatjewelry, but they also invest
in people.
In fact, for every couple thatcomes in and gays, they give
them a book to help them preparefor marriage, and we just love
that.
So if you're in need of a goodjeweler, check out
HenneJewelerscom.
And with all that being said,let's dive right in.
Here's my conversation withJade Warshaw.
Jade Warshaw, welcome to the L3Leadership podcast.
(02:58):
I know we were just talking andyou are the final Ramsey
personality that I have notinterviewed, so I'm very, very
excited about this and, speakingof which, welcome to the Ramsey
team.
I know you've been there for awhile now, but for those
listening and who may have noidea what a Ramsey personality
is or what they do.
Can you just give us anoverview of who you are and what
you do at Ramsey Solutions?
Jade Warshaw (03:18):
Yeah, I mean the personalities, we all kind of
have our own spin, but we'rereally just here to bring the
message of what we teach here atRamsey, which is you can have
financial peace, you can do workthat you love and you deserve
to be well, right and all thosethings kind of intersect each
other and, as a moneypersonality, of course, I focus
primarily on the financial sideof this equation, and so it's
(03:43):
all about teaching people how toget control of their money once
and for all.
For most people, it's gettingout of debt, learning how to
save, learning how to budget anda combination of all those
things.
Doug Smith (03:52):
So, yeah, and I know you're super passionate about
this because you are a productof the product.
I love your story and, forthose who may not have heard it,
can you kind of just even sharewhat got you interested in
Ramsey and why you're sopassionate about this message?
Jade Warshaw (04:04):
Well, yeah, I mean , they're the same but they're
kind of different.
You know, I didn't set out to bein finance at all.
I started as a musician, but itjust so happened that I had a
lot of debt, so I had to getthat debt cleaned up and, of
course, Dave Ramsey is theforemost person on personal
finance and so much.
Like so many other millions ofother people, I found the book,
(04:26):
the Total Money Makeover, and Ifound at that time what was
called the Dave Ramsey show.
I found that podcast andstarted listening to it along
with my husband and really justapplying the principles in our
own life, and we were able topay off all of our debt.
It took seven and a half yearsand we had about $460,000 of
debt.
And so, listen, it was aprocess, but we were able to
(04:48):
walk through it, and I thinkthat just kind of opened the
door for me to even startthinking, like maybe we're not
the only people facing this,like maybe there's other people
who could benefit from hearingour story.
And then, of course, the restis history.
Doug Smith (05:02):
Well, yeah, and one of the things I love about just
Ramsey in general again, I'vebeen I was personally impacted
by financial peace at 18 andhave been following you guys
ever since and I'm extremelygrateful for all that you do,
certainly in my life but formillions of other people.
But one of the coolest things Ithink about your story is you
actually at Ramsey, there's debtfree screams and so you get
people who get debt free andopportunity to have a great
(05:25):
experience Ramsey, and youactually got to do that way
before you were Ramsey personnel.
Can you talk about that?
Jade Warshaw (05:30):
Yeah, my husband and I did our debt free scream
back in 2017.
And it was in the old buildingLike right now we're in like
this new, like lush, amazing,like two giant buildings but
back then it was a smallerfacility.
It Financial Peace calledPlaza, and so my husband and I
traveled from South Florida allthe way up to Nashville to our
our debt-free scream.
(05:50):
It's cool.
You like stand in the lobby,Dave asks you, he basically
interviews you and asks youabout your journey, how much
debt you paid off, what was thehardest part, all these things,
and then at the end, at the end,you get to count it down and
scream we're debt free.
And so I got to do with thatwith my husband and it was cool
because at the time I wasactually pregnant with our first
child, so it was really cool.
Doug Smith (06:11):
Come on.
And was that like when youstarted listening to Ramsey?
Was that added to your bucketlist of like, hey, if we ever
get to this journey, we're doingit and you did it 100%.
Jade Warshaw (06:20):
And it's always weird for me because I talk to
people and they're like, yeah,we're debt free.
I'm like did you do your debtfree screen?
We're like no we're waitingtill we pay off our house.
I'm like what is wrong with you?
Like go do your debt freescreen?
It's such an amazing milestoneand it really does just kind of
create this monument in time.
Like I did it.
I'm proud of myself and it'sjust wonderful to always be able
(06:40):
to kind of go back to that inmy memory and smile, yeah.
Doug Smith (06:45):
It was.
It's really so on my bucketlist too, when we pay off our
house.
I just want to hear Dave sayI'm looking at weird people like
that.
So one day I will come visit youall and we'll have a lot of fun
.
One thing I also I want you totalk more about okay, you got
out of $460,000 of debt.
That's probably the sense ofsaying what, what I want you to
talk about that journey Likewhat, what did that?
(07:06):
Actually practically look likeseven and a half years is a long
time, but in a lot of ways it'sa short time.
How did you do that?
Jade Warshaw (07:13):
I love that you said that.
Yes, seven and a half years isa long time, but in the grand
scheme of things it's a drop inthe bucket and so it's important
to remember that.
But for us, you know, realizingthe amount of debt we had, as
newly married people, like justnewly into the workforce, I
always tell people we graduatedschool and we got married, you
know, just a couple of months,like after we graduated, right.
(07:35):
So it's like we're brand newinto the workforce, brand new
into married life, and just likesix months into our marriage,
we started feeling the effectsof our debt because we really
didn't know.
But you know how student loansare.
You know you graduate andthey're not due immediately.
They're not due until at leastsix months later, and that's
when you start getting the billscome in.
And so that's kind of whatsparked up the conversation.
(07:55):
You know, through talking werealized we had what would be
about $280,000 of student loandebt.
We also had a lot of creditcard debt, a little over 20,000.
You know we had two cars thatwere way too expensive for our
lifestyle, because at the timewe were only making 30,000.
I mean, we were just fresh outof college, right.
So it's just the whole thingwas very overwhelming.
(08:19):
And it's kind of interestingbecause I will say in the moment
it's not like we sat down andlike, all right, let's tally up
all our debt, like we reallydidn't do that until much later
and in some ways I'm glad wedidn't because I think at that
age I think I would have beentotally just overcome.
Especially it was a greatrecession, there was just so
much going on.
But yeah, it wasn't the bighouse that everybody might think
(08:42):
like, oh, $460,000 of debt, youjust paid off your mortgage.
I was like no, I wish that wasthe case.
Our debt alone was the amountof a mortgage.
Doug Smith (08:51):
Yeah, and so you started following the death
snowball and the Ramsey.
First of all, for thoselistening who may not even be
aware, can you kind of justshare briefly the baby steps?
But then I really want you todive into.
I know you had a side businessyou started.
That was really helpful and Iwant to dive into that journey.
But what are the baby steps?
And then what were some of thethings that helped you get that
free?
Jade Warshaw (09:09):
Yeah.
So for anybody listening, thebaby steps obviously it's a
seven step plan Dave Ramsey cameup with and each step builds on
the next.
So you do one at a time untilthe steps tell you that you can
do more than one at a time.
So let's just set that.
So the first step is you get$1,000 saved and some people
they already have money savedand it's like hey, just take
some of that money, set $1,000aside.
(09:30):
That is your starter emergencyfund.
So that's baby step one.
Baby step two is you take allmoney besides the $1,000 and you
pay off all of your debt exceptyour mortgage.
And the method that we teachfor doing that is the debt
snowball method, and we can talkmore about that later.
But that's the whole pointthere.
A lot of people like you're,like I, have savings set aside.
(09:51):
Yes, take that savings only,keep up the thousand and use it
to pay off your debt.
And then, of course, baby stepthree now we're coming back in,
now that our debts paid off, wecome back in and we rebuild our
savings, and that's three to sixmonths of savings that we put
aside.
And then the next three stepscan be done simultaneously.
Baby step four, which isinvesting 15% into your
(10:12):
retirement.
You do this every single month.
You can do that at the sametime as you do baby step five,
which is putting aside theamount of money of your choice
To your children's education,whether that's a non prepaid 529
or an ESA plan the amount ofyour choice, right.
And then you also, if you haveextra money after that, you want
to start putting extra money onpaying off your home, and then
(10:33):
after that everything's goinggood.
You've paid off your home,you're investing 15%, you've got
money set aside for the kidseducation.
Now baby step seven is you'reliving and giving like no one
else, and that baby step is alljust about being generous.
It's about at this point nowyou can invest more than 15% if
you want to.
So this is a really tacticalplan on how people can
(10:53):
ultimately just be financiallyresponsible adults and achieve
their goals financially.
Doug Smith (10:58):
Yeah.
So again going back to the$460,000 in debt.
You know how did you get there.
You talked about how it wasjust hard on you all, and I'm
sure there's people in a similarsituation who are saying I have
no hope that I'm going to getout of this situation.
What would you say to them andwhat are some practical things
they can do to get out of debt?
Jade Warshaw (11:15):
Well, you know, for people who feel like there's
no hope, I get that, like it isdaunting, like I would be lying
if I sat here and was like yeah, it's easy, all you have to do
is just set your mind to it.
Like, let's be honest, it'svery, very difficult.
And there were times that Iwondered if it would happen.
Like honestly, I wondered ifwe'd ever get there.
I always tell the story aboutmy husband.
(11:38):
You know, he's a math guy.
Like he's a math nerd, he'smore into numbers than I am in
many ways, and he would stand atthe mirror and brush his teeth
and I could always tell him thathe would be doing math in his
head, like as he was brushinghis teeth, like if I do this, if
I get this job, maybe we'll beable to pay off our debt.
And it's like I could tell hewas commuting these numbers and
in our minds it was like listen,it'll be a miracle if we're
(11:59):
debt free by the time we're 50.
Like for us it was like we justwant to be debt free by the
time we die.
Like if we can do that, we'rewinning.
Because ultimately, at thatpoint we did not see the path
for our income increasing theway we knew it needed to.
We were open to trying a lot ofthings, but the fact is,
sometimes you don't know exactlywhere that breakthrough is
(12:23):
going to come, right.
All you know is like all right,I'm doing what they're telling
me to do, I'm working the stepsI'm trying.
And for those people, what Iwould say is keep going, because
each opportunity leads to thenext and we don't know the
future.
All we know is that God has aplan for us.
So for Sam and I at the timewhen we started, it was like,
yeah, we're not making a lot ofmoney, but let's keep pursuing
opportunities and you'll findthat it builds on a stair step.
(12:47):
You know, very rarely do peoplejust go from rags to riches,
right?
So it's like all right, thisyear you're making 30,000.
Keep going, keep pursuingopportunity.
The next year maybe you'remaking 50,000 and keep going.
And then the next year maybeyou're making 60 or 80,000.
Like, you've just got to keepturning those door knobs in life
and seeing what's on the otherside of the door and before you
(13:07):
know it, you'll look up a coupleof years later and you're like
wow, we've come a long way andwe've come much further than
what we thought.
And you keep going through thatprocess and before you look up,
before you know it, you're doneand you've actually met it and
you've actually met the goal.
And so, long story short, Iwould just say the time is going
to pass anyway, like sevenyears is going to go by.
(13:29):
You know, god willing, eightyears is going to go by, four
years is going to go by and youget the choice to say did I do
my best during that time?
Did I put in my best effort?
Did I work the plan, did I takethe advice?
And if you can say yes, thenyou can sleep at night and
you're just going to keep goinguntil you hit that goal.
Doug Smith (13:48):
Yeah, I'm curious and, from your personal
perspective and with you, knowthe people you talk to in
situations like this everysingle day.
You mentioned how you juststarted listening to Dave and
his principles.
I mentioned I went throughfinancial piece at 18.
What was beautiful was I wentthrough a financial piece class.
There was other people incommunity with me who actually
were going on the same journeywith me or somewhere further
ahead.
And then just the constant,constantly getting that repeated
(14:13):
, listening to the Ramses showday in and day out and we're
baby steps, four, five and six,and you know it's been 18 years
now and I still listen all thetime.
Just for the, for themotivation.
How important is community andjust that repetitively Getting
those ideas in your head.
How important is that to theprocess?
Jade Warshaw (14:29):
Listen, I think it's like tantamount to the
process, because so many of uswe're battling like toxic
beliefs, right, like most of usdidn't grow up in this perfect
family.
When it comes to money, so mostof us have this belief like
maybe it's a limitation and whatyou feel like you can earn,
maybe it's a limitation onBecause of your race or you know
your background, where you grewup.
(14:49):
There's so many things that weface that we don't even realize
is affecting what we believe wecan accomplish with money.
And so when you do find apodcast like the Ramsey show and
you're listening to it and it'sconstantly telling you the
truth right, like there's somany things that we believe
that's not even true and when westart hearing things that are
true, it's amazing what takesplace, because it starts
starving out those things thataren't true and they don't have
(15:12):
room to grow anymore and insteadthe things that are true start
getting watered and it startsgrowing and you know it's funny.
That was the same case for me,doug.
I mean, listening to the Ramseyshow, I was that person who
thought, well, I'm the exceptionto the rule.
You know, I'm a musician.
It's different for us.
You know, I'm a black female.
It could be tougher for me.
And then just listening everyday I was like wait a minute,
(15:33):
like okay, jade, you you'retripping like you've really just
Like you weren't believing theright thing, and so definitely
Getting surrounded and fillingyour mind with the truth through
things like the Ramsey show isa big deal.
Doug Smith (15:44):
Yeah, so you talk about the truth and it's so
funny.
You talked about the situationwhen student loans, car payments
, all these different things,and we'd love to say that you
know that only impacts a fewpeople, but clearly, through the
work that you do, I meanmillions of that's a normal in
America today, which is really,really sad.
And I'm just curious, you know,for, for the experience you
have been working with people inyour own experience, what are
some of those common moneybeliefs that people have that
(16:05):
they may not even realize, thatare so far from the truth, and
what reality is that hold themback?
Jade Warshaw (16:10):
What are some common I mean, what comes to
mind first and foremost?
I think number one a lot ofpeople feel it's almost
impossible to live a lifecompletely without debt.
I mean, it's just marketed tous from the time we're able to,
like, see a TV screen or at anyscreen for that matter.
You know, banks are constantlypushing loans our way.
There's, you know, pay in forlike everything's paying for
(16:32):
payment.
So it's just become reallyembedded in who we are as a
culture and as a society.
And then when you kind of pairthat with the credit score, it's
like alright, like I got tohave debt because I have to have
my credit score, because if Idon't have my credit score I
can't get any of the things thatI want in life.
And I think we've.
You know, dave Ramsey explainsit in a way that kind of feels
(16:53):
like a wheel.
It's like, you know, I've gotto get debt so I can have a
credit score, and I've got tohave a credit score so I can get
the debt.
And it's just this wheel thatjust keeps going on and on.
And I truly think that a lot ofpeople don't understand that you
can actually break out of that,that you don't need a credit
score in life, because somethingreally amazing happens when you
have money, you don't need toborrow it and so it's just break
(17:15):
.
Like it is so hard to breakthat mindset out of people,
because even folks who are like,okay, I paid off my debt, you
know.
Now there's like, oh, what do Ido next?
I'm like, yeah, you just startlike saving money to buy the
things you want, and they stillhaven't realized, like I don't
need this credit score, like,okay, what about that?
Because I noticed my creditscore starting to go down.
So that is definitely.
(17:35):
That's definitely the biggestMindset that needs to be broken.
Doug Smith (17:40):
Yeah, you talked about what's the other side of
bondage look like.
What does it look like whenyou're free?
What you know when you hadthose chains released and you
did your death free scream andyou know the past several years.
What is life like on the otherside of getting out of debt?
Jade Warshaw (17:54):
Man, it's great, it's peaceful.
I feel like you finally get tosee the fruit of your labor,
like the the worst thing isyou're working so hard and
you're seeing this money come inand none of it's going to you,
like there's no lifestyleincrease, you're just like
throwing it at debt.
And then when the debt'sfinally gone, it's like, wow, I
have like all.
Like I have margin, like I can.
If I want to put on the budgetthat I, you know, have a hundred
(18:16):
and fifty dollar clothingallowance to go to the mall.
Like I can do that, you know.
If I want to get a personaltrainer, I can do that.
Like you start to realize youcan put money into the things
that you value, or your hobbies,or the things that are fun to
you.
Um, and you finally have themoney to do the responsible
things right.
Like so many people, they don't.
(18:37):
They're not investing 15%,they're investing up to their
match, you know, three or fourpercent because it's all they
can afford.
Or you know they're not puttingaside anything for their kids
college because they don't haveit.
But once you pay that debt off,suddenly you realize, oh my
gosh, I do have money, even ifit's just a hundred dollars to
put away monthly for my kidscollege, and so I I really think
that's what happens is thatdoor to opportunity to truly
(19:00):
building wealth opens up.
Doug Smith (19:01):
Yeah, it's so good.
I don't know why I was thinkingof this, but Mike talking about
being a debt now.
So we have four little onesunder seven and we utilize
daycare and things like that.
I'm like I need a daycare Free.
Scream when I get out of thedaycare stage.
I feel like what's life looklike on the other side of
daycare.
Jade Warshaw (19:20):
My son just started kindergarten in the fall
, last fall, and it hadn't hitme like I hadn't thought about
that.
I'm like, wait a minute,kindergarten is free.
Oh man, come on.
Doug Smith (19:31):
That's so funny, that's a whole.
That's a whole.
Another subject the other thingwhen I was researching you I
don't know why, I thought thiswas funny, but I thought it was
cool too.
You, and again, if you hadRamsey, your bio on the site you
actually had a playlist Forgetting debt free and the first
time, like what did you liketurn this on every time you made
a payment?
It's like heavy metal, butcould you, I could you share
(19:52):
about your playlist?
And it's obviously available.
I added it to my Spotify, sothank you.
Jade Warshaw (19:56):
That's awesome.
You know, it was something thatI kind of made in retrospect,
because one thing about onething about Sam and I is, during
our debt-free journey, one ofthe things we always did
together as we'd go for runs orgo for these like extremely long
walks, and so, you know, themusic of the time was what was
on my, you know, was on mySpotify.
I was on my.
Pandora is actually what I wasusing back, and you know, when I
(20:20):
started working at Ramsey youknow people are always looking
for encouragement and I'm likeyou know what, I'm gonna go back
and find the songs that reallyMotivated me and really pumped
me up, the things I waslistening to on my, my iPod
During my run, and so I justkind of compiled those, those
songs, and I think music meansdifferent things for different
people, but for Sam and I it wasa huge motivator, and so I hope
(20:42):
that that list is motivatingfor someone else as well.
Doug Smith (20:45):
Yeah, the other thing I want to mention was part
of your debt-free journey was Ibelieve you and your husband
started a business.
I don't know all the detailsthat are involved with that, but
I know people are looking foradditional Avenues of revenue so
they can, you know, expeditetheir journey of getting that
free.
Do you have any advice for sidehustles, building businesses
and that whole thing, because Ithink it's really popular today
but sometimes people just don'tknow where to start.
Jade Warshaw (21:06):
Yeah, that's a good point.
You know I kind of look atincome in two places.
Number one We've kind of gotthat core income right.
That's like our main job, whatwe're bringing in, and some of
us listen like your core incomespretty good and you're just
trying to go a little bit fasterand so if that's you, probably
side hustling is a good avenuefor you.
You know you want to pick upsome extra hours ubering or you
know Delivery services, thatkind of thing.
(21:30):
I think that works well.
But other people kind of have ana core income issue.
Like if my husband and I, whenwe started, our income was
$30,000, like that's a majorissue.
You can do all the side hustlesin the world and you're not
gonna do.
You see what I'm saying.
You're not gonna get where youneed to go.
And so for those people, that'swhen I'm like, okay, let's you
kind of have to create thislong-term track and figure out
(21:52):
what's it gonna be long term forme to get my core income up
while I'm side hustling.
And so for Sam and I that lookslike starting a business.
When we first started we wereboth entertainers and the fact
is, I mean, there's only one ofme.
I can only do so many shows,right?
So there was a cap there.
There's 365 days in the year.
That's the only, that's theonly amount of days I can work.
And so I said to my husband Iwas like, if we really want to
(22:15):
get moving, we've got to figureout a way to duplicate ourselves
and we've got to figure out away to just diversify what our
demand is in the marketplace.
And so, you know, I tell peopleall the time look at what
you're already good at and startadding layers to it.
You know, like it's not enoughto be a musician.
Like you got to learn how toteach lessons, you got to learn
how to run a business.
You've got to learn how toarrange music.
(22:36):
You've got to learn how todance, you've got to learn how
to act.
Like start layering up yourskills so that you can offer
more to the marketplace andthereby earn more money.
Like that's number one and thennumber two.
You've just you've got to bewilling to try new things.
Like you've got to take somerisk, and I'm not saying go into
debt by any means.
You got to move at the speed ofcash, but you've got to be
willing to say all right, I'mputting myself out there to earn
(22:58):
more money.
I'm going to apply for jobsthat I typically would have
thought maybe I couldn't get.
I'm going to consider what itmight be like to move someplace
cheaper.
Like you've got to explore youroptions in order to make to
earn more money.
Like maybe it's a certificateyou need, maybe you do need to
further your education.
Whatever that is, you need tostart creating that long-term
(23:18):
plan so you can see it pay outin the way of income in your
life.
Doug Smith (23:23):
Yeah, and I know we've been talking a lot about
the principles in the book, butyou also just wrote a book
recently.
Super exciting Congratulationsto you.
I know that's a huge, huge deal.
And so, but it's called.
Money is Not a Math Problem.
Can you talk more about thebook?
Why did you write it and whatdo you want readers to get out
of it?
Jade Warshaw (23:38):
Yeah, money is not a math problem.
It's honestly a budgeting book.
It's about what keeps peoplefrom doing the thing that they
know they're supposed to do withtheir money, which is budgeting
.
And it's kind of from myperspective, because for me the
budget was an issue Like it wasjust frustrating for me.
I had a lot of we talked beforeabout those lies, like I
believed a lot of lies aboutbudgeting, and so the way this
(23:58):
book is laid out, it's five liesthat I believed and you
probably have believed as well.
And then I go through how Ikind of worked through those
lies and came out to the otherside, and then there's five
truths that I now embrace whenit comes to budgeting and
creating plan for my money.
And so I would say, for anybodywho's doing a budget, who's
considered a budget, who hatesbudgeting, this book is for you.
Doug Smith (24:22):
Yeah, and I'm assuming time-wise in my head,
when you guys run your deaf readjourney, every dollar wasn't
out.
You guys have a great toolwhich I'd love for you to talk
about, but did you use, like penand paper, excel?
Like how did you budget before?
Jade Warshaw (24:34):
every dollar.
Yeah, I talk about that in thebook.
Money's not a math problem.
When we first started, yeah,there was no, every dollar and
it was pen and paper and it washorrendous.
Like, listen, if you're doing apen and paper budget, I'm not
mad at you, but there's a betterway.
And it is called every dollarBecause the fact of the matter
is, when you're doing pen andpaper, or even if you're doing
spreadsheets, it's in one placeand usually one spouse kind of
(24:59):
has the monopoly over it, likeit's on their computer or
they're the one who wrote it outand they don't want you to
touch it, like.
They're like, don't touch thespreadsheet.
I put a lot of work into thisand so, as a result, there's
kind of one person who's kind ofin control and the other person
feels like they're at the mercy.
And then there's just thelogistical stuff of like, did
you go to the store?
How much did you spend?
I need to write it down, andyou're like writing it down on
(25:19):
paper, like in a ledger.
It's horrible, but with everydollar it just eliminates all of
that.
It's all automated, it's alldigital.
You can look at things in realtime and the best part is if you
have a spouse, it's on both ofyour personal devices, and so
you're both seeing the samething.
You don't have to ask or lookover anybody's shoulder.
Doug Smith (25:38):
So good, I want to transition a little bit about
leadership and platform andthings like that, but before I
do, is there anything else thatyou want to share about money
before we move on?
Jade Warshaw (25:46):
I don't know.
I feel like we covered a lot.
We covered a lot.
If you think of anything, we'llcome back to it.
Doug Smith (25:54):
Yeah Well, anytime.
I've admired Dave and hisorganization for years and so
anytime we get to interact witha staff member there, I just
love asking you know you knewthe organization, world class,
1000 plus employees.
I'm sure there's warts behindthe scene as well, but what are
one or two lessons that you'velearned about leadership or just
life, as a result of being onstaff with Ramsey?
Jade Warshaw (26:15):
That's a really good question, I would say, and
this is not necessarily new.
I would just say that it'sbecome more and more amplified,
which is like your vision isyour vision and you've got to
say it all the time, like you'veconstantly got to be vision
casting, the capacity in which Iwork.
There's a lot of people who areworking to kind of for lack of
(26:35):
a better word like push my brandout and put it out there, and
so they've got to know what thatis.
And so, for me, I'm constantlyI'm telling the same stories
over and over, like you're goingto feel, like you're repeating
yourself over and over and overagain, and it's because you are,
but at the end of the day, youshould be Like you've got to say
something.
Man, there's an old adage oflike you've got to say something
(26:56):
like 26 times before peoplestart to hear it, or whatever it
is, and I just find that,honestly, I'm saying the same
things over and over and over,and that shouldn't be a
frustrating thing.
That should be an indicatorthat you're just casting vision
all the time.
Doug Smith (27:09):
Yeah, that's one of my number one questions.
I mean, especially I haven'tinterviewed Dave, but it's like
how do you say the same thingfor 30 years in different ways
and not burn out?
And so I guess you know you'refresher at this, obviously, but
what is your why that keeps yougoing?
Because, as you said, you knowI'm sure saying it over and over
again can get old.
If you don't have the right,why?
Jade Warshaw (27:27):
You know, for me, the why has now become.
I know there's another Jade outthere Like I know there's
another Jade and Sam who aredeeply in debt, who don't see a
way out.
And I remember the way I felt.
I remember just hoping, likehonestly wishing, someone would
call into the Ramsey show thathad the amount of debt that we
had, so that I knew it was trulypossible.
(27:48):
Because back then I mean, youknow I'm paying off 34,000 or
I'm paying off 76,000, or youknow even 101,000 is like those
are amazing numbers, but whenyou've got 460, you just feel
like you're on an island.
And so for me, the motivationand that why and the thing
that's like we got to get thisright is I know there's other
(28:08):
jades and Sam's out there whoneed this message.
Doug Smith (28:11):
Yeah, and just out of curiosity, I'm trying to
think of calls I've listened to,like do you guys keep track of,
like the record for the personwho's had the most debt?
I want to say I've heard a callat least that lived like the
900s, if not a million.
Jade Warshaw (28:22):
I have definitely heard those.
I will be honest typicallythere's real estate involved and
thankfully, like wheneverpeople call in and it's that
much I'm like, please let therebe real estate.
Doug Smith (28:31):
There's real estate.
Jade Warshaw (28:33):
I know we can make this work.
Um, yeah, I don't think thatI've heard Anywhere in that vein
.
If there wasn't real estateinvolved, I'll be honest.
But usually it's like five, sixhundred.
There has been some people whoare like upwards because of like
dental, like they went todental school or Medical school,
something like that.
Doug Smith (28:51):
Okay, I'll probably come back to leadership in a
moment, but since you kind ofalready have started talking
about platform, now you haveteams around you, but, you know,
looking at your Instagramchannel, etc.
It seemed like even beforeRamsey, you were working on
voting your platform.
What have you learned about?
We live in a world whereeveryone needs to or should be,
you know building their platformto get their voice out.
What have you learned now,being at Ramsey, about building
(29:13):
platform, versus maybe when youwere just trying to do it on
your own?
Jade Warshaw (29:16):
prior.
What I've learned is you doneed help like, honestly,
there's only so much you can doon your own, and the bigger you
build, the more help you need.
And so when I came here, I wasjust blown away with the amount
of teams that are in place tohelp us.
I mean, there's someone to helpyou do publicity and there's
someone to help you with yoursocial and there's someone to
help you, you know, with liveevents and Before.
(29:39):
All of those things kind offell in my lap and you, you know
You're doing the best you can,you're wearing a lot of hats,
and so it's it is important toget the right help as you grow
and say, okay, like I need some,I need to delegate this and I
need help with this, and I wouldsay that that's probably
something I've.
I found is, it's just veryimportant to get people around
you who are better than you are.
Doug Smith (30:01):
So good and on the front end, okay, you know, I'm
sure there's thousands, if nottens of thousands, of people who
would love to be a Ramseypersonality, and I don't know if
you guys have tryouts or whatthe whole process is, but you're
one of them.
You made it and so I am curiouslike what?
What do you think set you apartand do you have any advice for
maybe not even just becoming aRamsey personality?
But if someone wants to dosomething similar and they're
(30:23):
looking to grow in theircommunication skills and have a
similar platform To you, whatwould you tell them?
Jade Warshaw (30:28):
I mean there, I think there's two sides of that,
but the first side I'm that'scoming to me like immediately is
listen, this was God's plan formy life, so no one was gonna
throw it at.
You know, that's, that's numerouno.
Like I said before, I didn'tnecessarily set out for this,
but as my track kept gettingcloser to it, it became like
clear hey, this is what you'resupposed to do.
Um, so that's kind of like thepie in the sky side of it.
(30:50):
That's very valid, by the way,but then, there's the more
tactical side.
That's like listen, get yourducks in a row, you know what I
mean.
Like, if you are vying for aposition, like get your social
media on track.
Like make sure your resume ison point, show up on time.
Like schedule meetings, likethere are things that you've got
to do In order to be consideredfor the role.
(31:13):
My husband and I joke aboutthis all the time and, doug, I'm
sure you know this, but it'snot really mystical right like
at the end of the day, honestlyand I will say this till the
cows come home if you show up ontime and you do what you say
You're going to do and you arekind, you will be far.
You will just go so Far.
(31:34):
There are so many people whodon't do what there's, what they
say they're gonna do, just atthe basic level, like showing up
on time and being kind.
Like that I'm telling you itseems simple, but people don't
do it.
Doug Smith (31:46):
Wow, so good.
Any leadership lessons.
Obviously repeating repetitionleads retention.
Putting yourself out there's aleader, communications extremely
important.
Anything else stand out aboutculture, leadership, etc.
Jade Warshaw (31:57):
The Ramsey here at Ramsey Um you know, obviously,
like we've got a lot of likeisms around here, you know, and
we've got a lot of core values.
Um, you know, for me it's likeSelf-employed mentality, like
that's our like.
That's, out of all the corevalues that we have, that's the
one that means the most to me,because I was self-employed, for
you know, the majority of myadult working life, and so just
(32:21):
coming in and be like, okay,yeah, I know what that is like,
I know how to own my area and Iknow how to work as though I'm
the only one that's gonna beworking on it, right, like you,
you don't want to have this ideaof like, oh, if I don't finish
it, somebody else will come inand clean it up after me.
Like, no, like you, you work asthough it all depends on you,
like, that's the way that thisthing goes, and so that's
probably one of the values herethat I have Enjoyed working from
(32:43):
as far as a position of like mymindset.
That's the part I like the best.
Doug Smith (32:47):
Yeah, and I'm curious was it challenging at
all to now?
I know you're a musician andyou're used to being on on stage
, but you know answering livecalls daily in front of Dave.
You know what was that like.
How have you had to grow inyour time there?
Jade Warshaw (32:59):
Yeah, I mean the two jobs are totally different.
Like in one way, they're bothforward-facing.
So it's like yeah, I don't likeI being on stage or being on
camera, that's fine.
It doesn't give me stage frightor anything like that.
Obviously, the content isdifferent.
Right, I'm not singing pop music, I'm answering people's
personal finance questions andfor me it's like listen, I don't
(33:20):
know all the answers and I'mfine with that.
Dave's been doing this for over30 years, so I'm totally fine
with sitting next to him andsomebody asking a crazy real
estate question with theirfarmland, with, you know, an
inheritance, and there's partsof it that I can answer.
That makes sense to me, youknow, with my depth of knowledge
.
But I always understand likeDave is gonna go like seven
(33:41):
layers deeper because numberWell a, he's in his 60s and I'm
in my 30s, and then there's justlike he knows more than me,
like I have no problem withadmitting that, and for me it's
great to be able to sit next tosomebody who has that kind of
knowledge and I just get toglean from it.
So it's great.
Doug Smith (33:58):
Yeah, what's your greatest challenge right now,
just in your role?
Jade Warshaw (34:01):
Ah, my biggest challenge is I'm in a.
I'm an extremely creativeperson, and Sometimes I have to
pass some of that off so that Ican do some more tactical things
, and I would say that that'sprobably the toughest part.
Doug Smith (34:14):
That's great, and do you have a favorite story from
your time there, whether it wasa life that you heard get
transformed or somethinghappened internally?
Jade Warshaw (34:23):
Let's see.
Oh, the time that comes to.
What comes to mind right now isso I was doing this series of
webinars where people would comeon and we're kind of trying
trying to help them get out ofDead or like break that cycle,
and this young lady Came on.
She was a single mom.
I'm trying to get these, thesefacts right.
She was a single mom.
She had three kids.
They were living in anapartment and her mom was living
(34:45):
with them and they were reallytight like up against it with
money, like barely making itmeet.
And she kind of told me hersituation and I said to her here
I'm gonna give you some reallytough things that you need to do
, but this is not gonna shakeloose unless you do these things
.
And I told her that she's gonnahave to sell the car.
She's, and she was upside downin a car, so it was gonna
require to just a lot of work.
Like you got to go get a loanfor the difference that you're
(35:07):
upside down and then you've gotto sell the car and then buy
another car and cash.
And then I told her I was likelisten, I think that you can
downgrade on your apartment.
And it was gonna require herkids to have to share a room and
all these things.
And I also told you know, shetold me her work situation.
I was like, listen, I think youcan earn more money.
And we talked about that.
And she left with a laundrylist of work, like intentional.
(35:29):
I got to get on the phone, Igot to do some work and I
remember leaving that feelinglike man, I just loaded her up.
What's the likelihood thatshe's gonna actually do this?
And About six months later, wewere doing another one of those
webinars and I see a person comeon on the chat.
That's like, hey, I want to saysomething.
And I'm like that name looksfamiliar.
(35:50):
She comes on the screen and itwas the lady that I.
It was the same lady and shewas like hey, I just want to
share my story.
You know, a couple months ago,jade, you told me I needed to do
this, this, this and this.
She was like and I did all ofit.
She did all of it and hadcompletely Turned her situation
around.
I could not believe.
Like she did all of it.
She moved, she got a car, she.
(36:11):
She was like I doubled myincome because I started
applying for different jobs thatI had always counted myself out
and that right there I was like, okay, like I'm gonna retire,
like I'm that is amazing.
I love that, yeah.
Doug Smith (36:26):
Well, again, that's just one example out of
thousands and thousands ofpeople you influence.
So again, just thank you forthe work that you do and the
time we have left that when Idive through the lightning round
.
Just a bunch of fun questions Iask in every interview, and the
first one is what is the bestadvice you've ever received and
who gave it to you?
Jade Warshaw (36:40):
Oh, I love that one.
Um, preparation is a gift yougive yourself.
That's the best advice I'veever received.
Um, my pastor told me that gosha decade ago.
Um, and I Think of that everysingle day.
Like, preparation is a giftthat you give yourself.
No one likes to be unprepared.
No one likes showing up in thatmoment where it's like, oh, I
(37:02):
wish I had done this.
No preparation.
Doug Smith (37:06):
Yeah, if it's of a different answer.
If you had to put a quote on abillboard for everyone to read,
what would it say?
Jade Warshaw (37:13):
Uh, Hmm, let me think about that force.
It would be something different.
I think that I would say God'splan for your life is better
than your plan for your life.
Doug Smith (37:23):
Hmm, oh man, that hits home.
I love that.
One Books outside of the Ramseycollection of books.
Is there a book?
Buy them all.
People buy them all.
We'll put links in the shownotes.
They're all worth reading.
Um, but what's a book that'shad a major impact on your life
that you either recommend orgive away?
Jade Warshaw (37:40):
most often, oh, give away most often.
Well, that's or recommend thebooks I give away the most are
the Ramsey books.
If you had not excluded, Iwould have said total money
makeover.
Um, aside from that, you know II read a lot of like
biographies and autobiographies,and so I love reading people
stories of like really havinglike suffer through something
and get through to the otherside and so, listen, I mean
(38:03):
there's so many of them like Ilove this is gonna you're gonna
be like what Jade?
Like I love Shania Twain'sautobiography.
I love.
Doug Smith (38:11):
Hulk.
Jade Warshaw (38:11):
Hogan's autobiography.
Uh, the guy from the guy fromAerosmith, what's his name?
Doug Smith (38:19):
Oh uh, Stephen Tyler , yes, Um.
Jade Warshaw (38:22):
I just love stuff like that.
Doug Smith (38:23):
Obviously they're all Hulk Hogan.
That's so random.
Dude, just read it like it'sreally good, so I'll order right
after this.
He just got baptized.
Did you see that Like it wentviral Anyway?
Jade Warshaw (38:34):
listen.
If you read his book, it'sgonna mean even more to you.
You're gonna be like, oh mygosh.
Doug Smith (38:39):
I can't wait to see my wife's face when that shows
up at the the door.
Anyway, um, I this wasn't on mylist, but and I've never asked
us to Ramsey personality.
But who is your favorite Ramseypersonality?
Jade Warshaw (38:50):
Oh, let's kin Coleman, let's just be honest.
Doug Smith (38:53):
Can Coleman, that's my dog All right.
Jade Warshaw (38:57):
Why?
Um, you know what he's gonna belike, jade?
Why did you say this?
I feel like people don't knowthe real kin Coleman.
Like when I and I can say thisbecause now we're friends,
before I was like I don't knowabout this kin Coleman character
.
And then when I got to know himI was like kin Coleman, that is
my dog.
Like he is so funny and down todown to earth, his wife, stacy,
(39:19):
is incredible.
Like they're just Incredible.
People are really really great.
People Love them.
Doug Smith (39:24):
Yeah, I have a huge place in my heart for kin when I
I mean, we're 400 plus episodesinto this now, but very early
on kin was gracious enough toextend me an interview and I'll
do the same with you.
But I always ask for feedbackat the end on what I could do
better, and there's been twicewhere kin's given me feedback
Just on my interviewing.
That literally transformedeverything for me.
So I would be forever ingratitude to him and very, very
(39:47):
grateful.
So yeah, I love that.
Um, let's see here what do youwish people knew about you that
they may not know?
Jade Warshaw (39:55):
Oh, um, what people knew about me that, oh, I
Let me think.
Um, probably, when it comes tomoney, like I just want people
to know, like, if you'relistening and you're making
mistakes with your like I madeall the mistakes that you're
making.
I made all the mistakes.
I kept my credit cards aroundtoo long.
I I argued with my spouse likeI did all of that.
(40:16):
Um, there was no part of ourjourney that was perfect or
pretty so I love it.
Doug Smith (40:21):
Um, you get spent time with a lot of great leaders
.
I'm curious when you get tospend time with someone that you
look up to or admire, do youhave a go-to question that you
always ask?
Jade Warshaw (40:29):
Um, no, I don't.
Um, it just would depend on theperson in the situation.
So I don't have a go-toquestion.
Um, I can tell you the questionthat I always hate, so like,
okay, when sam and I were inmusic school, like they'd always
bring like somebody who's likesuccessful in making it into the
(40:51):
room and people would always belike, so like, how'd you make
it?
Like, how'd you get, how'd youdo it?
And it's like, in some ways, islike that's great, but like
everybody's journey is different, and so like, when you ask that
question, you have to take itwith a grain of salt, because
that that may not necessarily beyour journey, especially if
it's something that's not likevery um, linear.
Do you know what I'm saying?
(41:11):
Like it's like, hey, like thisguy made it in the music
business, you're not gonna makeit the same way that he made it
All right, like you just have toembrace that anyway.
Doug Smith (41:19):
Very insightful.
Jade Warshaw (41:20):
Biggest leadership pet peeve Meetings, like lots
of meetings that are long andcan be solved with an email.
Are there lots of meetings?
At Ramsey oh yeah, but thepeople will remain nameless.
Yes, beautiful, we've all doneit.
Doug Smith (41:42):
Yes, I don't know if you have an actual bucket list
or not, but what's somethingyou've done in your life that
you think everyone shouldexperience before they die?
Jade Warshaw (41:49):
I think making travel, um Like making it a
point to see different culturesand go to different places, is
really important.
Um, my husband and I hadvisited over 92 countries and I
think that it has completelychanged forever the way I view
people in the world and I havesuch an appreciation for the
United States of America and, um, just uh, just a different
(42:12):
Respect and like.
I just think it changes yourviewpoint in life, and for the
positive.
Doug Smith (42:17):
Yeah, yeah, I mean, 92 is a significant number.
All right, I think most peoplewant to travel.
How did you hit so many in youryoung?
How did you hit so manycountries?
Jade Warshaw (42:24):
Um, we worked for a cruise line, and so early on.
Doug Smith (42:27):
All right, yeah, as entertainers so wow, all right,
most beautiful country you'vebeen to um, I'm gonna go with
French Polynesia.
Okay and.
Anywhere.
What's on your bucket list ofplaces to still go to?
Jade Warshaw (42:43):
um, like mount rushmore, like, listen, I've
been like all the way out of thecountry but like here in the
states, like I'm like, listen, Iwant to go to yosemite, I want
to go to mount rushmore.
Uh, I want to go to the grandcanyon.
Doug Smith (42:55):
So, I need to do like usa.
I love it mount rushmore beingthe first one was hilarious.
So If you could go back andhave coffee with jade at any age
and you would have actuallylistened to that version of you,
what would you tell them?
Jade Warshaw (43:12):
Dang, we're getting deep dug.
Um, I would probably go back tothe person in college who was
there's a cup.
I only have one regret in life,and my one regret was I Quit
playing volleyball.
I had a volleyball scholarship,I played for two years and then
I quit, and my biggest regretis quitting, and so I probably
would tell jade hey, don't quit.
Doug Smith (43:35):
If you remind me, ask them why'd you quit?
Jade Warshaw (43:37):
um.
I was getting bullied by myteammates and I yeah, and I, um,
we were, we had a losing season.
I mean, you can't win like that, obviously.
So we had division on our team,we had division with our
coaches and I was not beingtreated the way I should have
been, so I quit.
And that summer they you know,new coaching staff, they, let
(43:58):
you know switched out a lot ofthe team members and the new
head coach Approach me and saidhey, I know, I know the last
seasons were tough, would youconsider playing again?
And I just feel like it wassuch a hard experience for me
that I said no.
And she was like are you sure,like this is I'm telling you
we're going to turn thingsaround?
And I said no, I don't want toplay.
And I wish that I had played,because they went, they, they
(44:20):
won their division championship,yeah, yeah.
Doug Smith (44:27):
Well, thanks for sharing.
And last non-open-endedquestion is just one day looking
back.
What do you want your legacy tobe, ultimately, at the end of
your life?
Jade Warshaw (44:36):
I want my family and my kids number one.
I want them to know they can dohard things, like they're gonna
face challenges in life, and Iwant them to know that they can.
They're they can do far morethan they ever thought possible.
And I hope that you know,legacy goes on forever, you know
.
But I mean for my kids.
I hope they realize, likelisten, I can do more than I
(44:58):
ever thought possible.
I'm looking at my mom and dadlike we don't borrow money, like
I hope nobody in my family everborrows money again.
Um, and like more than that,like listen, I just hope that.
I Hope that I can just leave achristlike legacy, like at the
end of the day I think that'swhat it's all about is, when
you're dead and gone, no one istalking about how much money you
have, but they, they do.
(45:18):
They do remember, um, thosevalues that you imprinted in
them and those are the thingsthat have the ability to last
lifetime.
Doug Smith (45:26):
Yeah, and I should have thought of this earlier.
But yeah, we're.
We're similar seasons, haveyoung kids.
What's working as a parent?
What are you learning right now?
Jade Warshaw (45:33):
you know what?
I think that the biggest lessonI recently learned with my son
over christmas is Kids don'tneed, like you need, to give
them options, like don't givethem.
They don't need the moon, likeyou, they need one or two
options.
So for christmas, you know, youknow how it is everybody's
giving you gifts, right,everybody's giving your kid
(45:53):
gifts.
And if you don't, if you don'tmonitor it, you'll look up and
they'll have like 20 christmasgifts and it's just like over
stimulation to the point wheremy son will get really like his
behavior will get bad, because Ithink he's just Can't process
that.
And so one of the gifts he gotwas Uh, someone gave him a
wallet, like a kid's wallet, andinside of it was 60 dollars.
(46:14):
And so me and my husband madethe mistake of saying, okay,
you've got 60 dollars, you cango to walmart or target or
whatever and you can pickwhatever toy you want and spend
your money.
Well, a kid who's five yearsold in a store like target is
completely overwhelmed, right,like they, they can't handle
that.
And so he kind of started likefreaking out and I told my
husband.
Later on we talked and we werelike you know what?
(46:35):
That was too much for him.
Like kids, they just need youto make decisions for them.
They need you to say, hey, youcan have this or you can have
that, um, and don't give themall, like all of this free reign
, like we think that I don'tknow.
I feel like culture is makingus feel like let your kids lead
and decide and I'm like, no,they need us to tell them, like
you can get the car or you canget the hat, like that's it,
(46:57):
yeah, like be a pair for them.
Yes, yes, so wow that was arecent lesson I learned I love
it Well, hey, we're wrapping upour time together.
Doug Smith (47:06):
Is there anything else you'd want to leave leaders
with really open-ended Anythingelse I'd want to leave leaders
with um.
Jade Warshaw (47:14):
You know, dave says it and I agree like to be
Unclear is to be unkind, like,if you're going to be a good
leader, you got to be clear.
You got to talk the talk, walkthe walk, um, and always be
coming back around in makingsure that um you're aligning on
expectations with you and yourteam.
I think that's super duperimportant all the time.
Doug Smith (47:35):
Yeah, well, jade, this has been wonderful.
It's been an honor to interview.
Thank you for your time today,thank you for everything you do
and thank you for adding valueto me and everyone who will
listen to this you bet All right.
Jade Warshaw (47:44):
Thanks for having me.
Doug Smith (47:45):
Yeah, hey, leader, thank you so much for listening
to my conversation with jade.
I hope that you enjoyed it asmuch as I did.
You can find ways to connectwith her and links to everything
that we discussed in the shownotes at l3leadership.
org/ 409.
And, as always, leader, I liketo end every episode with a
quote, and I will quote Oprahtoday, who said this If you look
at what you have in life,you'll always have more.
If you look at what you don'thave in life, you'll never have
(48:08):
enough, and I thought that wasso fitting given our
conversation today with Jade.
Well, leader, I say it everyepisode, but know that my wife,
Laura and I love you.
We believe in you and I say itevery episode.
But don't quit, keep leading.
The world desperately needsyour leadership.
We'll talk to you next episode.
Hey, leader, and welcome to another episode of
the L3 Leadership Podcast, wherewe are obsessed with helping
you grow to your maximumpotential and to maximize the
impact of your leadership.
My name is Doug Smith and I amyour host, and today's episode
is brought to you by my friendsat Beratung Advisors.
We also recorded this episodelive from the new Birgo Realty
Studio.
If you're new to the podcast,welcome.
I'm so glad that you're hereand I hope that you enjoy our
(00:27):
content and become a subscriber.
Please hit subscribe or followin whatever app you're listening
to this through, and you willget new episodes delivered to
you every single week.
And, as always, leader, ifyou've been listening to the
podcast for a while and it'simpacted your life, it would
mean the world to me if you'dleave us a rating and review,
and we made this really easy foryou.
There's a link in the shownotes that says rate this
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(00:48):
It takes less than 30 seconds,so thank you in advance for that
.
While leader, in this week'sepisode, you're going to hear my
conversation with Ramseypersonality Jade Warshaw.
If you are unfamiliar with Jade, let me just tell you a little
bit about her.
Jade Warshaw serves as a debtelimination expert, financial
coach and co-host of the Ramsayshow.
Jade has a professionalbackground and entertainment and
has performed in over 92countries worldwide.
(01:10):
She has appeared on Fox Newsand Cheddar News and has been
featured in Fortune magazine.
Since eliminating over $460,000in debt with her husband, Sam,
Jade has been helping othersachieve financial peace as a
co-host of the Ramsay show, thesecond largest talk show in
America, jade helps people payoff debt by teaching them to
shift their mindset and actionsaround money, and I loved Jade.
(01:32):
She's high energy, like I am,and so love this conversation,
and in it you're going to hearher talk about her journey of
being, as I mentioned, nearly ahalf a million dollars in debt
and how she became debt free,her best advice for helping you
to become financially free aswell, how she became a Ramsey
personality and what she'slearned by working for Dave
Ramsey and who her favoriteRamsey personality is, and so
much more.
(01:52):
You're going to love thisinterview, but before we dive in
, just a few announcements.
This episode of the L3Leadership Podcast is sponsored
by Beratung Advisors.
The financial advisors atBeratung Advisors help educate
and empower clients to makeinformed financial decisions.
You can find out how BeratungAdvisors can help you develop a
customized financial plan foryour financial future by
visiting their website atberatungadvisorscom.
(02:13):
That's B-E-R-A-T-U-N-G-Advisors.
com Companies and investmentproducts and services offered
through LPL Financial, member ofFINRA and SIPC.
Beratung Advisors, LPLFinancial and L3 Leadership are
separate entities.
I also want to thank our sponsor, Henne Jewelers.
They were jewelry earned by myfriend and mentor, John Henne,
and my wife Lara and I got ourengagement and wedding rings
(02:35):
through Henne Jewelers and hadan incredible experience.
And not only do they have greatjewelry, but they also invest
in people.
In fact, for every couple thatcomes in and gays, they give
them a book to help them preparefor marriage, and we just love
that.
So if you're in need of a goodjeweler, check out
HenneJewelerscom.
And with all that being said,let's dive right in.
Here's my conversation withJade Warshaw.
Jade Warshaw, welcome to the L3Leadership podcast.
(02:58):
I know we were just talking andyou are the final Ramsey
personality that I have notinterviewed, so I'm very, very
excited about this and, speakingof which, welcome to the Ramsey
team.
I know you've been there for awhile now, but for those
listening and who may have noidea what a Ramsey personality
is or what they do.
Can you just give us anoverview of who you are and what
you do at Ramsey Solutions?
Jade Warshaw (03:18):
Yeah, I mean the personalities, we all kind of
have our own spin, but we'rereally just here to bring the
message of what we teach here atRamsey, which is you can have
financial peace, you can do workthat you love and you deserve
to be well, right and all thosethings kind of intersect each
other and, as a moneypersonality, of course, I focus
primarily on the financial sideof this equation, and so it's
(03:43):
all about teaching people how toget control of their money once
and for all.
For most people, it's gettingout of debt, learning how to
save, learning how to budget anda combination of all those
things.
Doug Smith (03:52):
So, yeah, and I know you're super passionate about
this because you are a productof the product.
I love your story and, forthose who may not have heard it,
can you kind of just even sharewhat got you interested in
Ramsey and why you're sopassionate about this message?
Jade Warshaw (04:04):
Well, yeah, I mean , they're the same but they're
kind of different.
You know, I didn't set out to bein finance at all.
I started as a musician, but itjust so happened that I had a
lot of debt, so I had to getthat debt cleaned up and, of
course, Dave Ramsey is theforemost person on personal
finance and so much.
Like so many other millions ofother people, I found the book,
(04:26):
the Total Money Makeover, and Ifound at that time what was
called the Dave Ramsey show.
I found that podcast andstarted listening to it along
with my husband and really justapplying the principles in our
own life, and we were able topay off all of our debt.
It took seven and a half yearsand we had about $460,000 of
debt.
And so, listen, it was aprocess, but we were able to
(04:48):
walk through it, and I thinkthat just kind of opened the
door for me to even startthinking, like maybe we're not
the only people facing this,like maybe there's other people
who could benefit from hearingour story.
And then, of course, the restis history.
Doug Smith (05:02):
Well, yeah, and one of the things I love about just
Ramsey in general again, I'vebeen I was personally impacted
by financial peace at 18 andhave been following you guys
ever since and I'm extremelygrateful for all that you do,
certainly in my life but formillions of other people.
But one of the coolest things Ithink about your story is you
actually at Ramsey, there's debtfree screams and so you get
people who get debt free andopportunity to have a great
(05:25):
experience Ramsey, and youactually got to do that way
before you were Ramsey personnel.
Can you talk about that?
Jade Warshaw (05:30):
Yeah, my husband and I did our debt free scream
back in 2017.
And it was in the old buildingLike right now we're in like
this new, like lush, amazing,like two giant buildings but
back then it was a smallerfacility.
It Financial Peace calledPlaza, and so my husband and I
traveled from South Florida allthe way up to Nashville to our
our debt-free scream.
(05:50):
It's cool.
You like stand in the lobby,Dave asks you, he basically
interviews you and asks youabout your journey, how much
debt you paid off, what was thehardest part, all these things,
and then at the end, at the end,you get to count it down and
scream we're debt free.
And so I got to do with thatwith my husband and it was cool
because at the time I wasactually pregnant with our first
child, so it was really cool.
Doug Smith (06:11):
Come on.
And was that like when youstarted listening to Ramsey?
Was that added to your bucketlist of like, hey, if we ever
get to this journey, we're doingit and you did it 100%.
Jade Warshaw (06:20):
And it's always weird for me because I talk to
people and they're like, yeah,we're debt free.
I'm like did you do your debtfree screen?
We're like no we're waitingtill we pay off our house.
I'm like what is wrong with you?
Like go do your debt freescreen?
It's such an amazing milestoneand it really does just kind of
create this monument in time.
Like I did it.
I'm proud of myself and it'sjust wonderful to always be able
(06:40):
to kind of go back to that inmy memory and smile, yeah.
Doug Smith (06:45):
It was.
It's really so on my bucketlist too, when we pay off our
house.
I just want to hear Dave sayI'm looking at weird people like
that.
So one day I will come visit youall and we'll have a lot of fun
.
One thing I also I want you totalk more about okay, you got
out of $460,000 of debt.
That's probably the sense ofsaying what, what I want you to
talk about that journey Likewhat, what did that?
(07:06):
Actually practically look likeseven and a half years is a long
time, but in a lot of ways it'sa short time.
How did you do that?
Jade Warshaw (07:13):
I love that you said that.
Yes, seven and a half years isa long time, but in the grand
scheme of things it's a drop inthe bucket and so it's important
to remember that.
But for us, you know, realizingthe amount of debt we had, as
newly married people, like justnewly into the workforce, I
always tell people we graduatedschool and we got married, you
know, just a couple of months,like after we graduated, right.
(07:35):
So it's like we're brand newinto the workforce, brand new
into married life, and just likesix months into our marriage,
we started feeling the effectsof our debt because we really
didn't know.
But you know how student loansare.
You know you graduate andthey're not due immediately.
They're not due until at leastsix months later, and that's
when you start getting the billscome in.
And so that's kind of whatsparked up the conversation.
(07:55):
You know, through talking werealized we had what would be
about $280,000 of student loandebt.
We also had a lot of creditcard debt, a little over 20,000.
You know we had two cars thatwere way too expensive for our
lifestyle, because at the timewe were only making 30,000.
I mean, we were just fresh outof college, right.
So it's just the whole thingwas very overwhelming.
(08:19):
And it's kind of interestingbecause I will say in the moment
it's not like we sat down andlike, all right, let's tally up
all our debt, like we reallydidn't do that until much later
and in some ways I'm glad wedidn't because I think at that
age I think I would have beentotally just overcome.
Especially it was a greatrecession, there was just so
much going on.
But yeah, it wasn't the bighouse that everybody might think
(08:42):
like, oh, $460,000 of debt, youjust paid off your mortgage.
I was like no, I wish that wasthe case.
Our debt alone was the amountof a mortgage.
Doug Smith (08:51):
Yeah, and so you started following the death
snowball and the Ramsey.
First of all, for thoselistening who may not even be
aware, can you kind of justshare briefly the baby steps?
But then I really want you todive into.
I know you had a side businessyou started.
That was really helpful and Iwant to dive into that journey.
But what are the baby steps?
And then what were some of thethings that helped you get that
free?
Jade Warshaw (09:09):
Yeah.
So for anybody listening, thebaby steps obviously it's a
seven step plan Dave Ramsey cameup with and each step builds on
the next.
So you do one at a time untilthe steps tell you that you can
do more than one at a time.
So let's just set that.
So the first step is you get$1,000 saved and some people
they already have money savedand it's like hey, just take
some of that money, set $1,000aside.
(09:30):
That is your starter emergencyfund.
So that's baby step one.
Baby step two is you take allmoney besides the $1,000 and you
pay off all of your debt exceptyour mortgage.
And the method that we teachfor doing that is the debt
snowball method, and we can talkmore about that later.
But that's the whole pointthere.
A lot of people like you're,like I, have savings set aside.
(09:51):
Yes, take that savings only,keep up the thousand and use it
to pay off your debt.
And then, of course, baby stepthree now we're coming back in,
now that our debts paid off, wecome back in and we rebuild our
savings, and that's three to sixmonths of savings that we put
aside.
And then the next three stepscan be done simultaneously.
Baby step four, which isinvesting 15% into your
(10:12):
retirement.
You do this every single month.
You can do that at the sametime as you do baby step five,
which is putting aside theamount of money of your choice
To your children's education,whether that's a non prepaid 529
or an ESA plan the amount ofyour choice, right.
And then you also, if you haveextra money after that, you want
to start putting extra money onpaying off your home, and then
(10:33):
after that everything's goinggood.
You've paid off your home,you're investing 15%, you've got
money set aside for the kidseducation.
Now baby step seven is you'reliving and giving like no one
else, and that baby step is alljust about being generous.
It's about at this point nowyou can invest more than 15% if
you want to.
So this is a really tacticalplan on how people can
(10:53):
ultimately just be financiallyresponsible adults and achieve
their goals financially.
Doug Smith (10:58):
Yeah.
So again going back to the$460,000 in debt.
You know how did you get there.
You talked about how it wasjust hard on you all, and I'm
sure there's people in a similarsituation who are saying I have
no hope that I'm going to getout of this situation.
What would you say to them andwhat are some practical things
they can do to get out of debt?
Jade Warshaw (11:15):
Well, you know, for people who feel like there's
no hope, I get that, like it isdaunting, like I would be lying
if I sat here and was like yeah, it's easy, all you have to do
is just set your mind to it.
Like, let's be honest, it'svery, very difficult.
And there were times that Iwondered if it would happen.
Like honestly, I wondered ifwe'd ever get there.
I always tell the story aboutmy husband.
(11:38):
You know, he's a math guy.
Like he's a math nerd, he'smore into numbers than I am in
many ways, and he would stand atthe mirror and brush his teeth
and I could always tell him thathe would be doing math in his
head, like as he was brushinghis teeth, like if I do this, if
I get this job, maybe we'll beable to pay off our debt.
And it's like I could tell hewas commuting these numbers and
in our minds it was like listen,it'll be a miracle if we're
(11:59):
debt free by the time we're 50.
Like for us it was like we justwant to be debt free by the
time we die.
Like if we can do that, we'rewinning.
Because ultimately, at thatpoint we did not see the path
for our income increasing theway we knew it needed to.
We were open to trying a lot ofthings, but the fact is,
sometimes you don't know exactlywhere that breakthrough is
(12:23):
going to come, right.
All you know is like all right,I'm doing what they're telling
me to do, I'm working the stepsI'm trying.
And for those people, what Iwould say is keep going, because
each opportunity leads to thenext and we don't know the
future.
All we know is that God has aplan for us.
So for Sam and I at the timewhen we started, it was like,
yeah, we're not making a lot ofmoney, but let's keep pursuing
opportunities and you'll findthat it builds on a stair step.
(12:47):
You know, very rarely do peoplejust go from rags to riches,
right?
So it's like all right, thisyear you're making 30,000.
Keep going, keep pursuingopportunity.
The next year maybe you'remaking 50,000 and keep going.
And then the next year maybeyou're making 60 or 80,000.
Like, you've just got to keepturning those door knobs in life
and seeing what's on the otherside of the door and before you
(13:07):
know it, you'll look up a coupleof years later and you're like
wow, we've come a long way andwe've come much further than
what we thought.
And you keep going through thatprocess and before you look up,
before you know it, you're doneand you've actually met it and
you've actually met the goal.
And so, long story short, Iwould just say the time is going
to pass anyway, like sevenyears is going to go by.
(13:29):
You know, god willing, eightyears is going to go by, four
years is going to go by and youget the choice to say did I do
my best during that time?
Did I put in my best effort?
Did I work the plan, did I takethe advice?
And if you can say yes, thenyou can sleep at night and
you're just going to keep goinguntil you hit that goal.
Doug Smith (13:48):
Yeah, I'm curious and, from your personal
perspective and with you, knowthe people you talk to in
situations like this everysingle day.
You mentioned how you juststarted listening to Dave and
his principles.
I mentioned I went throughfinancial piece at 18.
What was beautiful was I wentthrough a financial piece class.
There was other people incommunity with me who actually
were going on the same journeywith me or somewhere further
ahead.
And then just the constant,constantly getting that repeated
(14:13):
, listening to the Ramses showday in and day out and we're
baby steps, four, five and six,and you know it's been 18 years
now and I still listen all thetime.
Just for the, for themotivation.
How important is community andjust that repetitively Getting
those ideas in your head.
How important is that to theprocess?
Jade Warshaw (14:29):
Listen, I think it's like tantamount to the
process, because so many of uswe're battling like toxic
beliefs, right, like most of usdidn't grow up in this perfect
family.
When it comes to money, so mostof us have this belief like
maybe it's a limitation and whatyou feel like you can earn,
maybe it's a limitation onBecause of your race or you know
your background, where you grewup.
(14:49):
There's so many things that weface that we don't even realize
is affecting what we believe wecan accomplish with money.
And so when you do find apodcast like the Ramsey show and
you're listening to it and it'sconstantly telling you the
truth right, like there's somany things that we believe
that's not even true and when westart hearing things that are
true, it's amazing what takesplace, because it starts
starving out those things thataren't true and they don't have
(15:12):
room to grow anymore and insteadthe things that are true start
getting watered and it startsgrowing and you know it's funny.
That was the same case for me,doug.
I mean, listening to the Ramseyshow, I was that person who
thought, well, I'm the exceptionto the rule.
You know, I'm a musician.
It's different for us.
You know, I'm a black female.
It could be tougher for me.
And then just listening everyday I was like wait a minute,
(15:33):
like okay, jade, you you'retripping like you've really just
Like you weren't believing theright thing, and so definitely
Getting surrounded and fillingyour mind with the truth through
things like the Ramsey show isa big deal.
Doug Smith (15:44):
Yeah, so you talk about the truth and it's so
funny.
You talked about the situationwhen student loans, car payments
, all these different things,and we'd love to say that you
know that only impacts a fewpeople, but clearly, through the
work that you do, I meanmillions of that's a normal in
America today, which is really,really sad.
And I'm just curious, you know,for, for the experience you
have been working with people inyour own experience, what are
some of those common moneybeliefs that people have that
(16:05):
they may not even realize, thatare so far from the truth, and
what reality is that hold themback?
Jade Warshaw (16:10):
What are some common I mean, what comes to
mind first and foremost?
I think number one a lot ofpeople feel it's almost
impossible to live a lifecompletely without debt.
I mean, it's just marketed tous from the time we're able to,
like, see a TV screen or at anyscreen for that matter.
You know, banks are constantlypushing loans our way.
There's, you know, pay in forlike everything's paying for
(16:32):
payment.
So it's just become reallyembedded in who we are as a
culture and as a society.
And then when you kind of pairthat with the credit score, it's
like alright, like I got tohave debt because I have to have
my credit score, because if Idon't have my credit score I
can't get any of the things thatI want in life.
And I think we've.
You know, dave Ramsey explainsit in a way that kind of feels
(16:53):
like a wheel.
It's like, you know, I've gotto get debt so I can have a
credit score, and I've got tohave a credit score so I can get
the debt.
And it's just this wheel thatjust keeps going on and on.
And I truly think that a lot ofpeople don't understand that you
can actually break out of that,that you don't need a credit
score in life, because somethingreally amazing happens when you
have money, you don't need toborrow it and so it's just break
(17:15):
.
Like it is so hard to breakthat mindset out of people,
because even folks who are like,okay, I paid off my debt, you
know.
Now there's like, oh, what do Ido next?
I'm like, yeah, you just startlike saving money to buy the
things you want, and they stillhaven't realized, like I don't
need this credit score, like,okay, what about that?
Because I noticed my creditscore starting to go down.
So that is definitely.
(17:35):
That's definitely the biggestMindset that needs to be broken.
Doug Smith (17:40):
Yeah, you talked about what's the other side of
bondage look like.
What does it look like whenyou're free?
What you know when you hadthose chains released and you
did your death free scream andyou know the past several years.
What is life like on the otherside of getting out of debt?
Jade Warshaw (17:54):
Man, it's great, it's peaceful.
I feel like you finally get tosee the fruit of your labor,
like the the worst thing isyou're working so hard and
you're seeing this money come inand none of it's going to you,
like there's no lifestyleincrease, you're just like
throwing it at debt.
And then when the debt'sfinally gone, it's like, wow, I
have like all.
Like I have margin, like I can.
If I want to put on the budgetthat I, you know, have a hundred
(18:16):
and fifty dollar clothingallowance to go to the mall.
Like I can do that, you know.
If I want to get a personaltrainer, I can do that.
Like you start to realize youcan put money into the things
that you value, or your hobbies,or the things that are fun to
you.
Um, and you finally have themoney to do the responsible
things right.
Like so many people, they don't.
(18:37):
They're not investing 15%,they're investing up to their
match, you know, three or fourpercent because it's all they
can afford.
Or you know they're not puttingaside anything for their kids
college because they don't haveit.
But once you pay that debt off,suddenly you realize, oh my
gosh, I do have money, even ifit's just a hundred dollars to
put away monthly for my kidscollege, and so I I really think
that's what happens is thatdoor to opportunity to truly
(19:00):
building wealth opens up.
Doug Smith (19:01):
Yeah, it's so good.
I don't know why I was thinkingof this, but Mike talking about
being a debt now.
So we have four little onesunder seven and we utilize
daycare and things like that.
I'm like I need a daycare Free.
Scream when I get out of thedaycare stage.
I feel like what's life looklike on the other side of
daycare.
Jade Warshaw (19:20):
My son just started kindergarten in the fall
, last fall, and it hadn't hitme like I hadn't thought about
that.
I'm like, wait a minute,kindergarten is free.
Oh man, come on.
Doug Smith (19:31):
That's so funny, that's a whole.
That's a whole.
Another subject the other thingwhen I was researching you I
don't know why, I thought thiswas funny, but I thought it was
cool too.
You, and again, if you hadRamsey, your bio on the site you
actually had a playlist Forgetting debt free and the first
time, like what did you liketurn this on every time you made
a payment?
It's like heavy metal, butcould you, I could you share
(19:52):
about your playlist?
And it's obviously available.
I added it to my Spotify, sothank you.
Jade Warshaw (19:56):
That's awesome.
You know, it was something thatI kind of made in retrospect,
because one thing about onething about Sam and I is, during
our debt-free journey, one ofthe things we always did
together as we'd go for runs orgo for these like extremely long
walks, and so, you know, themusic of the time was what was
on my, you know, was on mySpotify.
I was on my.
Pandora is actually what I wasusing back, and you know, when I
(20:20):
started working at Ramsey youknow people are always looking
for encouragement and I'm likeyou know what, I'm gonna go back
and find the songs that reallyMotivated me and really pumped
me up, the things I waslistening to on my, my iPod
During my run, and so I justkind of compiled those, those
songs, and I think music meansdifferent things for different
people, but for Sam and I it wasa huge motivator, and so I hope
(20:42):
that that list is motivatingfor someone else as well.
Doug Smith (20:45):
Yeah, the other thing I want to mention was part
of your debt-free journey was Ibelieve you and your husband
started a business.
I don't know all the detailsthat are involved with that, but
I know people are looking foradditional Avenues of revenue so
they can, you know, expeditetheir journey of getting that
free.
Do you have any advice for sidehustles, building businesses
and that whole thing, because Ithink it's really popular today
but sometimes people just don'tknow where to start.
Jade Warshaw (21:06):
Yeah, that's a good point.
You know I kind of look atincome in two places.
Number one We've kind of gotthat core income right.
That's like our main job, whatwe're bringing in, and some of
us listen like your core incomespretty good and you're just
trying to go a little bit fasterand so if that's you, probably
side hustling is a good avenuefor you.
You know you want to pick upsome extra hours ubering or you
know Delivery services, thatkind of thing.
(21:30):
I think that works well.
But other people kind of have ana core income issue.
Like if my husband and I, whenwe started, our income was
$30,000, like that's a majorissue.
You can do all the side hustlesin the world and you're not
gonna do.
You see what I'm saying.
You're not gonna get where youneed to go.
And so for those people, that'swhen I'm like, okay, let's you
kind of have to create thislong-term track and figure out
(21:52):
what's it gonna be long term forme to get my core income up
while I'm side hustling.
And so for Sam and I that lookslike starting a business.
When we first started we wereboth entertainers and the fact
is, I mean, there's only one ofme.
I can only do so many shows,right?
So there was a cap there.
There's 365 days in the year.
That's the only, that's theonly amount of days I can work.
And so I said to my husband Iwas like, if we really want to
(22:15):
get moving, we've got to figureout a way to duplicate ourselves
and we've got to figure out away to just diversify what our
demand is in the marketplace.
And so, you know, I tell peopleall the time look at what
you're already good at and startadding layers to it.
You know, like it's not enoughto be a musician.
Like you got to learn how toteach lessons, you got to learn
how to run a business.
You've got to learn how toarrange music.
(22:36):
You've got to learn how todance, you've got to learn how
to act.
Like start layering up yourskills so that you can offer
more to the marketplace andthereby earn more money.
Like that's number one and thennumber two.
You've just you've got to bewilling to try new things.
Like you've got to take somerisk, and I'm not saying go into
debt by any means.
You got to move at the speed ofcash, but you've got to be
willing to say all right, I'mputting myself out there to earn
(22:58):
more money.
I'm going to apply for jobsthat I typically would have
thought maybe I couldn't get.
I'm going to consider what itmight be like to move someplace
cheaper.
Like you've got to explore youroptions in order to make to
earn more money.
Like maybe it's a certificateyou need, maybe you do need to
further your education.
Whatever that is, you need tostart creating that long-term
(23:18):
plan so you can see it pay outin the way of income in your
life.
Doug Smith (23:23):
Yeah, and I know we've been talking a lot about
the principles in the book, butyou also just wrote a book
recently.
Super exciting Congratulationsto you.
I know that's a huge, huge deal.
And so, but it's called.
Money is Not a Math Problem.
Can you talk more about thebook?
Why did you write it and whatdo you want readers to get out
of it?
Jade Warshaw (23:38):
Yeah, money is not a math problem.
It's honestly a budgeting book.
It's about what keeps peoplefrom doing the thing that they
know they're supposed to do withtheir money, which is budgeting
.
And it's kind of from myperspective, because for me the
budget was an issue Like it wasjust frustrating for me.
I had a lot of we talked beforeabout those lies, like I
believed a lot of lies aboutbudgeting, and so the way this
(23:58):
book is laid out, it's five liesthat I believed and you
probably have believed as well.
And then I go through how Ikind of worked through those
lies and came out to the otherside, and then there's five
truths that I now embrace whenit comes to budgeting and
creating plan for my money.
And so I would say, for anybodywho's doing a budget, who's
considered a budget, who hatesbudgeting, this book is for you.
Doug Smith (24:22):
Yeah, and I'm assuming time-wise in my head,
when you guys run your deaf readjourney, every dollar wasn't
out.
You guys have a great toolwhich I'd love for you to talk
about, but did you use, like penand paper, excel?
Like how did you budget before?
Jade Warshaw (24:34):
every dollar.
Yeah, I talk about that in thebook.
Money's not a math problem.
When we first started, yeah,there was no, every dollar and
it was pen and paper and it washorrendous.
Like, listen, if you're doing apen and paper budget, I'm not
mad at you, but there's a betterway.
And it is called every dollarBecause the fact of the matter
is, when you're doing pen andpaper, or even if you're doing
spreadsheets, it's in one placeand usually one spouse kind of
(24:59):
has the monopoly over it, likeit's on their computer or
they're the one who wrote it outand they don't want you to
touch it, like.
They're like, don't touch thespreadsheet.
I put a lot of work into thisand so, as a result, there's
kind of one person who's kind ofin control and the other person
feels like they're at the mercy.
And then there's just thelogistical stuff of like, did
you go to the store?
How much did you spend?
I need to write it down, andyou're like writing it down on
(25:19):
paper, like in a ledger.
It's horrible, but with everydollar it just eliminates all of
that.
It's all automated, it's alldigital.
You can look at things in realtime and the best part is if you
have a spouse, it's on both ofyour personal devices, and so
you're both seeing the samething.
You don't have to ask or lookover anybody's shoulder.
Doug Smith (25:38):
So good, I want to transition a little bit about
leadership and platform andthings like that, but before I
do, is there anything else thatyou want to share about money
before we move on?
Jade Warshaw (25:46):
I don't know.
I feel like we covered a lot.
We covered a lot.
If you think of anything, we'llcome back to it.
Doug Smith (25:54):
Yeah Well, anytime.
I've admired Dave and hisorganization for years and so
anytime we get to interact witha staff member there, I just
love asking you know you knewthe organization, world class,
1000 plus employees.
I'm sure there's warts behindthe scene as well, but what are
one or two lessons that you'velearned about leadership or just
life, as a result of being onstaff with Ramsey?
Jade Warshaw (26:15):
That's a really good question, I would say, and
this is not necessarily new.
I would just say that it'sbecome more and more amplified,
which is like your vision isyour vision and you've got to
say it all the time, like you'veconstantly got to be vision
casting, the capacity in which Iwork.
There's a lot of people who areworking to kind of for lack of
(26:35):
a better word like push my brandout and put it out there, and
so they've got to know what thatis.
And so, for me, I'm constantlyI'm telling the same stories
over and over, like you're goingto feel, like you're repeating
yourself over and over and overagain, and it's because you are,
but at the end of the day, youshould be Like you've got to say
something.
Man, there's an old adage oflike you've got to say something
(26:56):
like 26 times before peoplestart to hear it, or whatever it
is, and I just find that,honestly, I'm saying the same
things over and over and over,and that shouldn't be a
frustrating thing.
That should be an indicatorthat you're just casting vision
all the time.
Doug Smith (27:09):
Yeah, that's one of my number one questions.
I mean, especially I haven'tinterviewed Dave, but it's like
how do you say the same thingfor 30 years in different ways
and not burn out?
And so I guess you know you'refresher at this, obviously, but
what is your why that keeps yougoing?
Because, as you said, you knowI'm sure saying it over and over
again can get old.
If you don't have the right,why?
Jade Warshaw (27:27):
You know, for me, the why has now become.
I know there's another Jade outthere Like I know there's
another Jade and Sam who aredeeply in debt, who don't see a
way out.
And I remember the way I felt.
I remember just hoping, likehonestly wishing, someone would
call into the Ramsey show thathad the amount of debt that we
had, so that I knew it was trulypossible.
(27:48):
Because back then I mean, youknow I'm paying off 34,000 or
I'm paying off 76,000, or youknow even 101,000 is like those
are amazing numbers, but whenyou've got 460, you just feel
like you're on an island.
And so for me, the motivationand that why and the thing
that's like we got to get thisright is I know there's other
(28:08):
jades and Sam's out there whoneed this message.
Doug Smith (28:11):
Yeah, and just out of curiosity, I'm trying to
think of calls I've listened to,like do you guys keep track of,
like the record for the personwho's had the most debt?
I want to say I've heard a callat least that lived like the
900s, if not a million.
Jade Warshaw (28:22):
I have definitely heard those.
I will be honest typicallythere's real estate involved and
thankfully, like wheneverpeople call in and it's that
much I'm like, please let therebe real estate.
Doug Smith (28:31):
There's real estate.
Jade Warshaw (28:33):
I know we can make this work.
Um, yeah, I don't think thatI've heard Anywhere in that vein
.
If there wasn't real estateinvolved, I'll be honest.
But usually it's like five, sixhundred.
There has been some people whoare like upwards because of like
dental, like they went todental school or Medical school,
something like that.
Doug Smith (28:51):
Okay, I'll probably come back to leadership in a
moment, but since you kind ofalready have started talking
about platform, now you haveteams around you, but, you know,
looking at your Instagramchannel, etc.
It seemed like even beforeRamsey, you were working on
voting your platform.
What have you learned about?
We live in a world whereeveryone needs to or should be,
you know building their platformto get their voice out.
What have you learned now,being at Ramsey, about building
(29:13):
platform, versus maybe when youwere just trying to do it on
your own?
Jade Warshaw (29:16):
prior.
What I've learned is you doneed help like, honestly,
there's only so much you can doon your own, and the bigger you
build, the more help you need.
And so when I came here, I wasjust blown away with the amount
of teams that are in place tohelp us.
I mean, there's someone to helpyou do publicity and there's
someone to help you with yoursocial and there's someone to
help you, you know, with liveevents and Before.
(29:39):
All of those things kind offell in my lap and you, you know
You're doing the best you can,you're wearing a lot of hats,
and so it's it is important toget the right help as you grow
and say, okay, like I need some,I need to delegate this and I
need help with this, and I wouldsay that that's probably
something I've.
I found is, it's just veryimportant to get people around
you who are better than you are.
Doug Smith (30:01):
So good and on the front end, okay, you know, I'm
sure there's thousands, if nottens of thousands, of people who
would love to be a Ramseypersonality, and I don't know if
you guys have tryouts or whatthe whole process is, but you're
one of them.
You made it and so I am curiouslike what?
What do you think set you apartand do you have any advice for
maybe not even just becoming aRamsey personality?
But if someone wants to dosomething similar and they're
(30:23):
looking to grow in theircommunication skills and have a
similar platform To you, whatwould you tell them?
Jade Warshaw (30:28):
I mean there, I think there's two sides of that,
but the first side I'm that'scoming to me like immediately is
listen, this was God's plan formy life, so no one was gonna
throw it at.
You know, that's, that's numerouno.
Like I said before, I didn'tnecessarily set out for this,
but as my track kept gettingcloser to it, it became like
clear hey, this is what you'resupposed to do.
Um, so that's kind of like thepie in the sky side of it.
(30:50):
That's very valid, by the way,but then, there's the more
tactical side.
That's like listen, get yourducks in a row, you know what I
mean.
Like, if you are vying for aposition, like get your social
media on track.
Like make sure your resume ison point, show up on time.
Like schedule meetings, likethere are things that you've got
to do In order to be consideredfor the role.
(31:13):
My husband and I joke aboutthis all the time and, doug, I'm
sure you know this, but it'snot really mystical right like
at the end of the day, honestlyand I will say this till the
cows come home if you show up ontime and you do what you say
You're going to do and you arekind, you will be far.
You will just go so Far.
(31:34):
There are so many people whodon't do what there's, what they
say they're gonna do, just atthe basic level, like showing up
on time and being kind.
Like that I'm telling you itseems simple, but people don't
do it.
Doug Smith (31:46):
Wow, so good.
Any leadership lessons.
Obviously repeating repetitionleads retention.
Putting yourself out there's aleader, communications extremely
important.
Anything else stand out aboutculture, leadership, etc.
Jade Warshaw (31:57):
The Ramsey here at Ramsey Um you know, obviously,
like we've got a lot of likeisms around here, you know, and
we've got a lot of core values.
Um, you know, for me it's likeSelf-employed mentality, like
that's our like.
That's, out of all the corevalues that we have, that's the
one that means the most to me,because I was self-employed, for
you know, the majority of myadult working life, and so just
(32:21):
coming in and be like, okay,yeah, I know what that is like,
I know how to own my area and Iknow how to work as though I'm
the only one that's gonna beworking on it, right, like you,
you don't want to have this ideaof like, oh, if I don't finish
it, somebody else will come inand clean it up after me.
Like, no, like you, you work asthough it all depends on you,
like, that's the way that thisthing goes, and so that's
probably one of the values herethat I have Enjoyed working from
(32:43):
as far as a position of like mymindset.
That's the part I like the best.
Doug Smith (32:47):
Yeah, and I'm curious was it challenging at
all to now?
I know you're a musician andyou're used to being on on stage
, but you know answering livecalls daily in front of Dave.
You know what was that like.
How have you had to grow inyour time there?
Jade Warshaw (32:59):
Yeah, I mean the two jobs are totally different.
Like in one way, they're bothforward-facing.
So it's like yeah, I don't likeI being on stage or being on
camera, that's fine.
It doesn't give me stage frightor anything like that.
Obviously, the content isdifferent.
Right, I'm not singing pop music, I'm answering people's
personal finance questions andfor me it's like listen, I don't
(33:20):
know all the answers and I'mfine with that.
Dave's been doing this for over30 years, so I'm totally fine
with sitting next to him andsomebody asking a crazy real
estate question with theirfarmland, with, you know, an
inheritance, and there's partsof it that I can answer.
That makes sense to me, youknow, with my depth of knowledge
.
But I always understand likeDave is gonna go like seven
(33:41):
layers deeper because numberWell a, he's in his 60s and I'm
in my 30s, and then there's justlike he knows more than me,
like I have no problem withadmitting that, and for me it's
great to be able to sit next tosomebody who has that kind of
knowledge and I just get toglean from it.
So it's great.
Doug Smith (33:58):
Yeah, what's your greatest challenge right now,
just in your role?
Jade Warshaw (34:01):
Ah, my biggest challenge is I'm in a.
I'm an extremely creativeperson, and Sometimes I have to
pass some of that off so that Ican do some more tactical things
, and I would say that that'sprobably the toughest part.
Doug Smith (34:14):
That's great, and do you have a favorite story from
your time there, whether it wasa life that you heard get
transformed or somethinghappened internally?
Jade Warshaw (34:23):
Let's see.
Oh, the time that comes to.
What comes to mind right now isso I was doing this series of
webinars where people would comeon and we're kind of trying
trying to help them get out ofDead or like break that cycle,
and this young lady Came on.
She was a single mom.
I'm trying to get these, thesefacts right.
She was a single mom.
She had three kids.
They were living in anapartment and her mom was living
(34:45):
with them and they were reallytight like up against it with
money, like barely making itmeet.
And she kind of told me hersituation and I said to her here
I'm gonna give you some reallytough things that you need to do
, but this is not gonna shakeloose unless you do these things
.
And I told her that she's gonnahave to sell the car.
She's, and she was upside downin a car, so it was gonna
require to just a lot of work.
Like you got to go get a loanfor the difference that you're
(35:07):
upside down and then you've gotto sell the car and then buy
another car and cash.
And then I told her I was likelisten, I think that you can
downgrade on your apartment.
And it was gonna require herkids to have to share a room and
all these things.
And I also told you know, shetold me her work situation.
I was like, listen, I think youcan earn more money.
And we talked about that.
And she left with a laundrylist of work, like intentional.
(35:29):
I got to get on the phone, Igot to do some work and I
remember leaving that feelinglike man, I just loaded her up.
What's the likelihood thatshe's gonna actually do this?
And About six months later, wewere doing another one of those
webinars and I see a person comeon on the chat.
That's like, hey, I want to saysomething.
And I'm like that name looksfamiliar.
(35:50):
She comes on the screen and itwas the lady that I.
It was the same lady and shewas like hey, I just want to
share my story.
You know, a couple months ago,jade, you told me I needed to do
this, this, this and this.
She was like and I did all ofit.
She did all of it and hadcompletely Turned her situation
around.
I could not believe.
Like she did all of it.
She moved, she got a car, she.
(36:11):
She was like I doubled myincome because I started
applying for different jobs thatI had always counted myself out
and that right there I was like, okay, like I'm gonna retire,
like I'm that is amazing.
I love that, yeah.
Doug Smith (36:26):
Well, again, that's just one example out of
thousands and thousands ofpeople you influence.
So again, just thank you forthe work that you do and the
time we have left that when Idive through the lightning round
.
Just a bunch of fun questions Iask in every interview, and the
first one is what is the bestadvice you've ever received and
who gave it to you?
Jade Warshaw (36:40):
Oh, I love that one.
Um, preparation is a gift yougive yourself.
That's the best advice I'veever received.
Um, my pastor told me that gosha decade ago.
Um, and I Think of that everysingle day.
Like, preparation is a giftthat you give yourself.
No one likes to be unprepared.
No one likes showing up in thatmoment where it's like, oh, I
(37:02):
wish I had done this.
No preparation.
Doug Smith (37:06):
Yeah, if it's of a different answer.
If you had to put a quote on abillboard for everyone to read,
what would it say?
Jade Warshaw (37:13):
Uh, Hmm, let me think about that force.
It would be something different.
I think that I would say God'splan for your life is better
than your plan for your life.
Doug Smith (37:23):
Hmm, oh man, that hits home.
I love that.
One Books outside of the Ramseycollection of books.
Is there a book?
Buy them all.
People buy them all.
We'll put links in the shownotes.
They're all worth reading.
Um, but what's a book that'shad a major impact on your life
that you either recommend orgive away?
Jade Warshaw (37:40):
most often, oh, give away most often.
Well, that's or recommend thebooks I give away the most are
the Ramsey books.
If you had not excluded, Iwould have said total money
makeover.
Um, aside from that, you know II read a lot of like
biographies and autobiographies,and so I love reading people
stories of like really havinglike suffer through something
and get through to the otherside and so, listen, I mean
(38:03):
there's so many of them like Ilove this is gonna you're gonna
be like what Jade?
Like I love Shania Twain'sautobiography.
I love.
Doug Smith (38:11):
Hulk.
Jade Warshaw (38:11):
Hogan's autobiography.
Uh, the guy from the guy fromAerosmith, what's his name?
Doug Smith (38:19):
Oh uh, Stephen Tyler , yes, Um.
Jade Warshaw (38:22):
I just love stuff like that.
Doug Smith (38:23):
Obviously they're all Hulk Hogan.
That's so random.
Dude, just read it like it'sreally good, so I'll order right
after this.
He just got baptized.
Did you see that Like it wentviral Anyway?
Jade Warshaw (38:34):
listen.
If you read his book, it'sgonna mean even more to you.
You're gonna be like, oh mygosh.
Doug Smith (38:39):
I can't wait to see my wife's face when that shows
up at the the door.
Anyway, um, I this wasn't on mylist, but and I've never asked
us to Ramsey personality.
But who is your favorite Ramseypersonality?
Jade Warshaw (38:50):
Oh, let's kin Coleman, let's just be honest.
Doug Smith (38:53):
Can Coleman, that's my dog All right.
Jade Warshaw (38:57):
Why?
Um, you know what he's gonna belike, jade?
Why did you say this?
I feel like people don't knowthe real kin Coleman.
Like when I and I can say thisbecause now we're friends,
before I was like I don't knowabout this kin Coleman character
.
And then when I got to know himI was like kin Coleman, that is
my dog.
Like he is so funny and down todown to earth, his wife, stacy,
(39:19):
is incredible.
Like they're just Incredible.
People are really really great.
People Love them.
Doug Smith (39:24):
Yeah, I have a huge place in my heart for kin when I
I mean, we're 400 plus episodesinto this now, but very early
on kin was gracious enough toextend me an interview and I'll
do the same with you.
But I always ask for feedbackat the end on what I could do
better, and there's been twicewhere kin's given me feedback
Just on my interviewing.
That literally transformedeverything for me.
So I would be forever ingratitude to him and very, very
(39:47):
grateful.
So yeah, I love that.
Um, let's see here what do youwish people knew about you that
they may not know?
Jade Warshaw (39:55):
Oh, um, what people knew about me that, oh, I
Let me think.
Um, probably, when it comes tomoney, like I just want people
to know, like, if you'relistening and you're making
mistakes with your like I madeall the mistakes that you're
making.
I made all the mistakes.
I kept my credit cards aroundtoo long.
I I argued with my spouse likeI did all of that.
(40:16):
Um, there was no part of ourjourney that was perfect or
pretty so I love it.
Doug Smith (40:21):
Um, you get spent time with a lot of great leaders
.
I'm curious when you get tospend time with someone that you
look up to or admire, do youhave a go-to question that you
always ask?
Jade Warshaw (40:29):
Um, no, I don't.
Um, it just would depend on theperson in the situation.
So I don't have a go-toquestion.
Um, I can tell you the questionthat I always hate, so like,
okay, when sam and I were inmusic school, like they'd always
bring like somebody who's likesuccessful in making it into the
(40:51):
room and people would always belike, so like, how'd you make
it?
Like, how'd you get, how'd youdo it?
And it's like, in some ways, islike that's great, but like
everybody's journey is different, and so like, when you ask that
question, you have to take itwith a grain of salt, because
that that may not necessarily beyour journey, especially if
it's something that's not likevery um, linear.
Do you know what I'm saying?
(41:11):
Like it's like, hey, like thisguy made it in the music
business, you're not gonna makeit the same way that he made it
All right, like you just have toembrace that anyway.
Doug Smith (41:19):
Very insightful.
Jade Warshaw (41:20):
Biggest leadership pet peeve Meetings, like lots
of meetings that are long andcan be solved with an email.
Are there lots of meetings?
At Ramsey oh yeah, but thepeople will remain nameless.
Yes, beautiful, we've all doneit.
Doug Smith (41:42):
Yes, I don't know if you have an actual bucket list
or not, but what's somethingyou've done in your life that
you think everyone shouldexperience before they die?
Jade Warshaw (41:49):
I think making travel, um Like making it a
point to see different culturesand go to different places, is
really important.
Um, my husband and I hadvisited over 92 countries and I
think that it has completelychanged forever the way I view
people in the world and I havesuch an appreciation for the
United States of America and, um, just uh, just a different
(42:12):
Respect and like.
I just think it changes yourviewpoint in life, and for the
positive.
Doug Smith (42:17):
Yeah, yeah, I mean, 92 is a significant number.
All right, I think most peoplewant to travel.
How did you hit so many in youryoung?
How did you hit so manycountries?
Jade Warshaw (42:24):
Um, we worked for a cruise line, and so early on.
Doug Smith (42:27):
All right, yeah, as entertainers so wow, all right,
most beautiful country you'vebeen to um, I'm gonna go with
French Polynesia.
Okay and.
Anywhere.
What's on your bucket list ofplaces to still go to?
Jade Warshaw (42:43):
um, like mount rushmore, like, listen, I've
been like all the way out of thecountry but like here in the
states, like I'm like, listen, Iwant to go to yosemite, I want
to go to mount rushmore.
Uh, I want to go to the grandcanyon.
Doug Smith (42:55):
So, I need to do like usa.
I love it mount rushmore beingthe first one was hilarious.
So If you could go back andhave coffee with jade at any age
and you would have actuallylistened to that version of you,
what would you tell them?
Jade Warshaw (43:12):
Dang, we're getting deep dug.
Um, I would probably go back tothe person in college who was
there's a cup.
I only have one regret in life,and my one regret was I Quit
playing volleyball.
I had a volleyball scholarship,I played for two years and then
I quit, and my biggest regretis quitting, and so I probably
would tell jade hey, don't quit.
Doug Smith (43:35):
If you remind me, ask them why'd you quit?
Jade Warshaw (43:37):
um.
I was getting bullied by myteammates and I yeah, and I, um,
we were, we had a losing season.
I mean, you can't win like that, obviously.
So we had division on our team,we had division with our
coaches and I was not beingtreated the way I should have
been, so I quit.
And that summer they you know,new coaching staff, they, let
(43:58):
you know switched out a lot ofthe team members and the new
head coach Approach me and saidhey, I know, I know the last
seasons were tough, would youconsider playing again?
And I just feel like it wassuch a hard experience for me
that I said no.
And she was like are you sure,like this is I'm telling you
we're going to turn thingsaround?
And I said no, I don't want toplay.
And I wish that I had played,because they went, they, they
(44:20):
won their division championship,yeah, yeah.
Doug Smith (44:27):
Well, thanks for sharing.
And last non-open-endedquestion is just one day looking
back.
What do you want your legacy tobe, ultimately, at the end of
your life?
Jade Warshaw (44:36):
I want my family and my kids number one.
I want them to know they can dohard things, like they're gonna
face challenges in life, and Iwant them to know that they can.
They're they can do far morethan they ever thought possible.
And I hope that you know,legacy goes on forever, you know
.
But I mean for my kids.
I hope they realize, likelisten, I can do more than I
(44:58):
ever thought possible.
I'm looking at my mom and dadlike we don't borrow money, like
I hope nobody in my family everborrows money again.
Um, and like more than that,like listen, I just hope that.
I Hope that I can just leave achristlike legacy, like at the
end of the day I think that'swhat it's all about is, when
you're dead and gone, no one istalking about how much money you
have, but they, they do.
(45:18):
They do remember, um, thosevalues that you imprinted in
them and those are the thingsthat have the ability to last
lifetime.
Doug Smith (45:26):
Yeah, and I should have thought of this earlier.
But yeah, we're.
We're similar seasons, haveyoung kids.
What's working as a parent?
What are you learning right now?
Jade Warshaw (45:33):
you know what?
I think that the biggest lessonI recently learned with my son
over christmas is Kids don'tneed, like you need, to give
them options, like don't givethem.
They don't need the moon, likeyou, they need one or two
options.
So for christmas, you know, youknow how it is everybody's
giving you gifts, right,everybody's giving your kid
(45:53):
gifts.
And if you don't, if you don'tmonitor it, you'll look up and
they'll have like 20 christmasgifts and it's just like over
stimulation to the point wheremy son will get really like his
behavior will get bad, because Ithink he's just Can't process
that.
And so one of the gifts he gotwas Uh, someone gave him a
wallet, like a kid's wallet, andinside of it was 60 dollars.
(46:14):
And so me and my husband madethe mistake of saying, okay,
you've got 60 dollars, you cango to walmart or target or
whatever and you can pickwhatever toy you want and spend
your money.
Well, a kid who's five yearsold in a store like target is
completely overwhelmed, right,like they, they can't handle
that.
And so he kind of started likefreaking out and I told my
husband.
Later on we talked and we werelike you know what?
(46:35):
That was too much for him.
Like kids, they just need youto make decisions for them.
They need you to say, hey, youcan have this or you can have
that, um, and don't give themall, like all of this free reign
, like we think that I don'tknow.
I feel like culture is makingus feel like let your kids lead
and decide and I'm like, no,they need us to tell them, like
you can get the car or you canget the hat, like that's it,
(46:57):
yeah, like be a pair for them.
Yes, yes, so wow that was arecent lesson I learned I love
it Well, hey, we're wrapping upour time together.
Doug Smith (47:06):
Is there anything else you'd want to leave leaders
with really open-ended Anythingelse I'd want to leave leaders
with um.
Jade Warshaw (47:14):
You know, dave says it and I agree like to be
Unclear is to be unkind, like,if you're going to be a good
leader, you got to be clear.
You got to talk the talk, walkthe walk, um, and always be
coming back around in makingsure that um you're aligning on
expectations with you and yourteam.
I think that's super duperimportant all the time.
Doug Smith (47:35):
Yeah, well, jade, this has been wonderful.
It's been an honor to interview.
Thank you for your time today,thank you for everything you do
and thank you for adding valueto me and everyone who will
listen to this you bet All right.
Jade Warshaw (47:44):
Thanks for having me.
Doug Smith (47:45):
Yeah, hey, leader, thank you so much for listening
to my conversation with jade.
I hope that you enjoyed it asmuch as I did.
You can find ways to connectwith her and links to everything
that we discussed in the shownotes at l3leadership.
org/ 409.
And, as always, leader, I liketo end every episode with a
quote, and I will quote Oprahtoday, who said this If you look
at what you have in life,you'll always have more.
If you look at what you don'thave in life, you'll never have
(48:08):
enough, and I thought that wasso fitting given our
conversation today with Jade.
Well, leader, I say it everyepisode, but know that my wife,
Laura and I love you.
We believe in you and I say itevery episode.
But don't quit, keep leading.
The world desperately needsyour leadership.
We'll talk to you next episode.
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