Dave Ramsey, a renowned financial expert and author, joins the conversation to share essential money habits to adopt now. He emphasizes the importance of budgeting as the cornerstone of financial well-being and advocates for saving 15% of income. Ramsey also warns against comparing personal finances due to social media influences. He discusses the necessity of establishing an emergency fund and instilling frugality and generosity in children. The talk wraps up with a call to embrace selflessness and engage in proactive health choices, promoting overall well-being.