So

all your financial needs were just miraculously covered by community. We

had lots of help from lots of different people for sure.

That's special. So

glad he's doing so well. That's pretty cool. Miracle comeback. I love it. This is The

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It's our annual giving show here on The Ramsey Show. Thank you for joining us, being part of the program today, America. Well, Christmas is here. Can you believe it's here? I mean, it's amazing. Last-minute shoppers out there, game time, obviously. This is your last chance to grab some life-changing gifts like books and tools. Up to 30% off right now. We've got deals running right now, and they end on Friday. So hurry before they're gone. Like the Total Money Makeover is 30% off. Building a Non-Anxious Life by Dr. John Deloney is 30% off. Breaking Free from Broke, George's number one bestseller is on sale. Classic Questions for Humans deck cards by Dr. Deloney on sale, just $12. Check it all out at RamseySolutions.com/store. Click on the deals, and they're everywhere. Our annual generosity, our annual giving show, this particular version brought to you by the fine folks at Convoy of Hope. And Landry is next in Oklahoma City. Merry Christmas, Landry. Merry

Christmas. So

tell us your generosity story. Okay.

Well, first I just want to say my name is Landry Johnson. I'm a sophomore at the University of Oklahoma, and now I'm going to just give a little backstory. So when I was 15, my father, Noah Orlando Johnson, passed away to suicide very abruptly. During this time, I was 15 and my older brother was 17. Obviously, we're getting ready to go off to college. And it was definitely just a lot going on. Not only did my father take his own life, before taking his life, he shot my stepmom six times. And just during this time it was very hard financially mentally in every single way trauma but yeah it was a lot going on all at once especially for a 15 year old girl um we were also traveling back to and from Oklahoma to Texas to see my stepmom while she was in the hospital we were definitely very much there for her a lot of it. But obviously, hospital bills, and all the things like that was it was a lot. And then we found out my dad didn't have life insurance. He also didn't have a will of any sort, which just left me and my brother and my stepmom just in a very hard place because my brother Christopher and I were both getting ready to go off to college, and we didn't really have those funds set up because we weren't expecting this to just happen. No one was expecting him to just do what he did. So my brother and I immediately just started looking for scholarships and things like that once we got our heads in the right space. My brother is now at Texas State, and I'm at, obviously, the University of Oklahoma. But during our research, we found a website called Life Happens. And through this website, it has a bunch of different scholarships for kids who have lost parents that didn't have life insurance. And one of those companies is called Zander Insurance, which is the company that so gratefully and graciously gave me my scholarship. And the scholarship that I got with them, I get it every year, so it's reoccurring. And it's actually the scholarship that puts me to where I need to be, so I don't have to take out any student loans, and I'm debt free from college because of the scholarship, which is truly just a blessing. Yeah. So not only has it opened doors for education, community, meeting people, it's put me in a place where my situation as losing my father isn't going to define my future based off that.

Amen. Which

is really amazing.

You're amazing. Wow. Thank

you. You

come through that trauma, and you've got a head on your shoulders like this, and you're a sophomore in college. You're impressive.

Thank you.

I proud of you. Good work. Xander chose well. Yes, they did.

Yeah, they're awesome.

Yeah. So what are you studying? I'm

studying healthcare administration a minor in marketing.

I bet. Yeah, that's perfect. Very good. Very cool. And you're extremely well-spoken, young lady. I'm proud of you. You just came on in front of millions of people and handled that like a pro.

Thank you. I appreciate that. And

wishing you the best with the rest of college. And forgive my ignorance,

I didn't know Xander did that. So that a really cool program they have. I

knew they did a lot of generosity things and they have all kinds of different things they do in giving and that we have participated in. I was not aware of that one. That's pretty cool. That's very interesting.

You'll have to ask Jeff Xander about that next time you guys hang out. Yeah,

we'll send him a clip of this. He'll, that'll make his eyes leak. That's a good thing, because I like watching Jeff cry. It's fun. Well,

it's cool to see the other side, because when you're Xander, you give out the scholarship. You may not hear from them, so it's cool to see the progress and momentum

and how she's

changed her life because of this, going to school debt-free. For

those of you not figuring out what we're talking about, Jeff Xander is Xander Insurance, and he's been an advertiser on the show for, we've advertised for him, for people to, oddly enough, get life insurance. That's where we send you to, to get life insurance. And they shop among a bunch of different companies, get you the best deal. Obviously, Landry's dad did not have that. And that's how this all set up. And that's probably why they give to this particular fund, you know, is, is a way to give back, so to speak. Um, and, uh, so they, we've endorsed that company for gosh, 30, almost 30 years. And, uh, sent, sent people there, um, by the hundreds of thousands over the years. And then he turns around with, uh, some of the profits from that running that organization and does this. What a great generosity story.

Love that.

Well done, Jeff. I'm proud of you, my friend. Well done, Landry. You handled that call like a pro. You told that story beautifully. I don't know many sophomores in college can do that. No,

that's pro level right there. Yeah,

well played.

Teaching her well at University of Oklahoma. Well played.

Danielle is in Grand Junction. Hi, Danielle. Merry Christmas. Hi.

Hi. How are you? Better

than I deserve. Tell us your generosity story.

Okay. So my husband and I are both educators in a small school. And in 2018, there's a theme I've noticed today in the show, but unfortunately we lost two students to suicide. And it was one of the hardest things as an educator that we've had to go through. And we decided we were on Baby Step 6, and we decided to go ahead and take a goal that we had for Baby Step 7, and we went ahead and started a college scholarship in the name of my brother. His name was Evan, and we raise money, and we give scholarships to students at our high school, and so far to date, since then, we've been able to give 15 scholarships, ranging from $750 to, actually, I'll pause real quick and say that where we get the funds is, we don't, I have an annual fundraiser in the summertime, and the students at the school will help me put on the fundraiser, and we sell food, burritos, and salsa, and the community is extremely generous. And so, I'll tell people that, you know, the food costs a certain amount, but they'll tip me like crazy because they know that every dollar that they give to us will go straight to the college scholarship, straight to the kids. And the reason why we wanted to do the scholarship is because the loss was, you know, felt really real to us and we wanted to have change in the community but we also knew um that we couldn't that we would prefer that this scholarship be more about i'm going to school without loans than mental health and so our focus is on teaching kids also on how to go to school without loans.

Love it. Love it. That's well played. And you said you've done how many scholarships so far? We

have given out 15 so far, and we've awarded over $64,000 in scholarships. I love it. Yeah. It's really, it's a community, like the community is very generous, plus we have some really generous donors. And how the kids have qualified for the scholarship is they have to listen to the borrowed future or watch the documentary, and they have to come up to us and let us know how they're going to school without loans. And so our scholarship renews every year for up to $10,000. And I'm proud to say quite a few of these kids, I know it's made a difference in them I'm going to school, we changed their mindset. And they go to school without any loans. And that makes me very proud. And it's the only positive thing I can say that came from the losses that we had. Wow.

You ought to be proud. I'm proud of you. Listen to this story. What a great reminder. You don't have to give a lot personally, but Danielle was bold and said, I'm going to start this thing. And the community, you know, rallied around it and made it happen. You

just got to raise it up. Have a vision. Exactly. And beautifully done. Beautifully done. And tied to it, the whole debt-free thing. They get to see George. That's right. On Bar of Future. That's fun. There we go. I

wouldn't call it a feature, but there it is. That's fun. It was a cameo. This

is the Ramsey Show. What if this Christmas you could give more than presents under the tree? What if you could give a gift that changes lives and transforms the next generation? You can when you donate foundations and personal finance to a high school in your community. You make it possible for students to learn to budget, save and avoid debt, and give them the confidence and direction they need for a brighter future. Find out how to give at RamseySolutions.com/sponsor, or if you're listening on YouTube or a podcast, just click the link in the description. It's our annual giving show on generosity here on the Ramsey Show. George Camel, Ramsey personality, is my co-host today. Frank is with us in Nashville. Hey, Frank, Merry Christmas. Merry

Christmas to you and George, Dave. Thanks for taking our call.

Absolutely. Tell us your story about generosity.

Well, Linda and I began overgiving about seven years ago. We were in a restaurant, and on the way in, we noticed a van, a couple of people in the van, young children. And they stayed out there. We went in. We had our dinner. And they came in just before we finished our dinner. They finally came in. They talked with the owner and the server. They were trying to bargain for two buffet payments for a meal to feed them two and their three kids. And so we're in earshot of this, and we heard what was going on. And finally, the owner finally agreed to have the minimum take some stuff for the kids. But then we went over to the table. As we finished our dinner, we went over to the table, and we wished them Merry Christmas and Happy Holiday. And we told them that we will buy all five of their meals. And we told the server that it was going to be on us, and we were going to pay for it. And we then emptied our pockets of whatever cash we had, which is just over $100 or so, and we gave it to that couple. They definitely seemed to be maybe passing through, definitely destitute, and looking for a need. So we responded.

Absolutely. Well done, sir. Well played. Well played. The good news is they got a full belly, and you got a great story for the rest of your life. Absolutely.

And that changed our life after that. We had already been millionaires a little bit before that. And we said, you know, we're just not giving enough. We have no children. There's no one for us to leave this to except our nieces and nephews, which, you know, we do help on occasion. And we said, you know, we need to just give better, give more, give better, better tipping, better involvement with certain causes, you know, charities and veterans associations, because, you know, I'm a veteran and, you know, we need to boost up the population. Yeah.

Well done, Frank. Well done. I like it. I like it a lot. You know, and the interesting thing is, folks, Frank's story is, Merry Christmas to you, Frank. The Frank story is just a reminder. All you got to do is just lift your eyes up just a little bit and look around the room. There's somebody somewhere in the room. I mean, all the time. There's you at the gas pump, at the wherever. I mean, there's...