{"id":24703,"date":"2026-04-29T06:26:47","date_gmt":"2026-04-29T06:26:47","guid":{"rendered":"https:\/\/incredipros.com\/?p=24703"},"modified":"2026-04-29T06:26:48","modified_gmt":"2026-04-29T06:26:48","slug":"dave-ramsey-2020-radio-executive-of-the-year","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24703","title":{"rendered":"Dave Ramsey: 2020 Radio Executive of the Year"},"content":{"rendered":"
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Despite the pandemic, 2020 was a strong year for Dave Ramsey and Ramsey Solutions. Once it was clear the virus was not going to be a short term issue, Ramsey, along with his team, managed it like a war. In the end, the company was able to avoid layoffs and increase revenue, something few companies across the country were able to do.\n <\/p>\n

Dave Ramsey started as a co-host on a Nashville radio station that was in bankruptcy, back in 1992. By 1996, he was syndicating his show \u2014 self-syndicating his show, one station at a time. \u201cDeath by a thousand cuts,\u201d he calls it. Today, Ramsey\u2019s show is heard on over 600 radio stations across the country.\n <\/p>\n

Ramsey Solutions employs 950 people, and the network has seven hosts. The\u00a0223,000 square foot Ramsey campus sits on 47 acres in Franklin, Tennessee, and a second building is now under construction. Once it\u2019s finished, the two connected buildings will be more than 400,000 square feet. Phase three of Ramsey HQ will be a 50,000 square foot conference center.\n <\/p>\n

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You probably thought running a business sounded fun\u2014until you realized it would actually run you. Discover the EntreLeadership System\u2014the small-business road map that takes the guesswork out of growth.<\/p>\n<\/p><\/div>\n

Here\u2019s our interview with Radio Ink\u2019s<\/em> Radio Executive of the Year, Dave Ramsey.\n <\/p>\n

Radio Ink: How has the pandemic impacted you personally?<\/h4>\n

Ramsey:<\/strong> It scared the crud out of us concerning the impact it had on our business and the families that work for us. We love them. The economic shutdown scared me more personally than the virus did. We\u2019ve had to scramble, fight, and push back from a chaotic mess to keep things moving and keep these families fed.\n <\/p>\n

Radio Ink: What adjustments did you make to keep things rolling?<\/h4>\n

Ramsey:<\/strong> It was an emotional and financial adjustment, redesigning ways to serve our listeners and customers as quickly as we could. We had entire segments of our business, like live events, just disappear in a fairly short amount of time. We had the Ramsey cruise sold out for a year, and our sail date was March 23 \u2014 the worst possible date you could\u2019ve been out on a boat. It didn\u2019t sail. That was a $15 million top line that evaporated. We had to make sure everyone got their refunds.\n <\/p>\n

Then they started dropping like flies, and we had to send everyone home for six weeks. We\u2019re all back in the office now.\n <\/p>\n

Entire segments were disappearing on the one hand, and on the other we in leadership are working every day trying to figure out a way to replace that revenue. We found ways to serve our customer base and ended up OK, but it was tenuous.\n <\/p>\n

Radio Ink: When you realized this wasn\u2019t going to be a short-term thing, how did you redesign the business? How do you manage through that?<\/h4>\n

Ramsey:<\/strong> We have a 14-person operating board. These are the actual people who work, lead, and run the business. We had them and five or six more in a room and started every day with two hours of updates \u2014 updates on revenue from the last 24 hours, key performance indicators.\n <\/p>\n

We were watching everything we could as if we were in a war. In a sense, we were. What can we deploy this afternoon? A new product or new way of doing things? How can we help our advertisers adjust, help our endorsed local provider program, etc. We had to be leaders. What can we deploy by Friday, by next\u00a0Wednesday? We were day by day, hour by hour. We got very tactical. The strategic long-term planning went out the window.\n <\/p>\n

Radio Ink: Did this impact the new campus?<\/h4>\n

Ramsey: <\/strong>No, we had been in it almost a year when this happened. We do have a second building being built that will be ready by May. It didn\u2019t impact it at all. We were preserving cash, and I pay cash for everything. It\u2019s a $50 million project that\u2019s been paid for monthly as we go along. We considered stopping construction to preserve that cash, but it was one of the levers we could throw. The construction people worked straight through.\n <\/p>\n

Radio Ink: What do callers to the show say to you about how they\u2019re feeling?<\/h4>\n

Ramsey:<\/strong> These days they\u2019re disgusted. Back then, they were afraid when the stock market took a dive. We explained to people not to cash out their stuff. Don\u2019t freak out. This is a temporary thing. The stock market will recover. People lost their jobs and wondered, how do we batten up the hatches on our personal lives? We were walking them through their per- sonal crises every day on the air. There\u2019s less of that now.\n <\/p>\n

Today it\u2019s more about people pissed off that government is taking their freedom away, or they\u2019re mad at their relative who did or didn\u2019t wear a mask. It\u2019s the divisiveness that this fear has caused. When people get afraid, some of them get mean.\n <\/p>\n

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\u201cI\u2019ve gotten the pleasure to get under the tent somewhat with the Ramsey organization over the past several years, and know Dave and many of his team members personally. Every time I walk away from a meeting with any one of them, or interact with them or spend time with them, I have the exact same four feelings: awe, inspiration, commitment, passion. Dave is a businessman with a vision, clarity, and purpose I\u2019ve never seen before. He is amazing, as is the organization he has built. I can\u2019t think of anyone more deserving of this great honor.\u201d\n <\/p>\n

Bob Proffitt, CEO, Alpha Media\n <\/p>\n<\/blockquote>\n

Radio Ink: The cases have been going up again. Do you see, as the numbers go up, we might go back to heavier restrictions?<\/h4>\n

Ramsey:<\/strong> I don\u2019t think the numbers will cause us to go backwards unless someone reinstitutes entire shutdowns to the economy. I don\u2019t know how much more the economy can take. The damage done by the shutdowns to people\u2019s lives, and the number of lives lost due to the shutdowns, far exceeds the virus, mathematically.\n <\/p>\n

We deal with diseases of despair every day and have for 30 years. The number one cause of male suicide is financial, and that\u2019s a disease of despair. We\u2019ve had our hands in those worlds long before the pandemic hit. We see those increases as bad.\u00a0The folks that were struggling with depression or are bipolar, etc., have been exacerbated. That\u2019s not really being measured in some of the comparisons being done.\n <\/p>\n

We feel we really know what\u2019s going on with this. We\u2019re seeing, recovery wise, that it\u2019s been a factor of how much the local authorities allowed that area to open up and start doing business again. As soon as businesses come back, so do jobs, and then lives start to heal financially.\n <\/p>\n

You have people in California and New York City who are fleeing. One of the untold stories is the huge number of people who have left those states permanently. You can\u2019t get a U-Haul in California right now. Same thing in New York. They\u2019re coming to states that are open. They left for good. We\u2019re going to see a shift in the states where those politicians choose to keep things shut down. The economic recovery is splotchy.\n <\/p>\n

Radio Ink: How are you helping the affiliates and getting in front of the listeners now?<\/h4>\n

Ramsey:<\/strong> Physically, we\u2019ve not been able to get in front of them because the political climate has shut down events. We\u2019ve done some events in our building and streamed them. We have a thousand\u00a0people here, and 20,000 streaming. We had venues booked and they would cancel. We\u2019ve got people who don\u2019t want to attend events, and that\u2019s understandable. We\u2019re trying to provide ways they can get to us.\n <\/p>\n

We\u2019ve had a very successful year streaming. We\u2019re planning one now for a book launch for my daughter Rachel Cruze. That will be in front of a small live audience in Oklahoma City and also streamed. We\u2019re trying to go places where we don\u2019t cause too much angst to the local officials.\n <\/p>\n

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\u201cDave Ramsey is probably the sharpest mind in the room \u2014 and possibly on the air. He is an incredibly smart businessman who has built a hugely successful and diversified organization. And he\u2019s
a talented broadcaster who counsels scores of faithful listeners with his unique blend of financial advice, support, and, when necessary, a frank and firm reality check.\u201d\n <\/p>\n

Deborah Parenti, EVP\/Publisher, Radio Ink\n <\/p>\n<\/blockquote>\n

Radio Ink: Do you miss being in those markets, with the station employees and the big audiences?<\/h4>\n

Ramsey:<\/strong> It\u2019s been our stock in trade. I like people. I like our audience. I\u2019m not a prima donna superstar. I like sitting on the edge of the stage signing books for an hour and hearing people\u2019s stories. I don\u2019t get to do that much right now. I like to talk to the heat and air guy in San Antonio who\u2019s been advertising with me there with the local affiliate for 20 years. We\u2019re big on local advertising and small business.\n <\/p>\n

Over the years those folks in the radio station and the advertisers have become friends. We see them during an advertisers\u2019 lunch event. Depending on the radio\u00a0company, they may not be back in their offices at this time, so we can\u2019t do that.\n <\/p>\n

Radio Ink: What has the radio industry meant to you over the years?<\/h4>\n

Ramsey: <\/strong>It was the way I could connect to people I wanted to help. Over the years getting to know people in the business I\u2019ve developed friendships with some high-quality executives in these companies. The business has a lot of soul to it. There are some characters in the radio business, but you have that in any business. I love radio, the people, and our audience. I am glad I did it.\n <\/p>\n

Radio Ink: In the past year we\u2019ve lost a lot of jobs in this industry. Were you surprised by that?<\/h4>\n

Ramsey: <\/strong>No. Everybody has taken a hit. We were able to pivot our advertisers\u2019 messaging to where they didn\u2019t lose effectiveness with advertising, and we lost only one advertiser. Overall, our revenue is up year-over-year.\n <\/p>\n

We were able to hold that line. Most places, their corporate offices sent people home and they lost their ability to do those kinds of things and save them.\n <\/p>\n

In some cases the people that were trying to save the advertising couldn\u2019t, and so, with revenues going down, so go jobs.\n <\/p>\n

We told our team we had to keep the revenue above the expenses and payroll; if not, somebody would have to go home. We didn\u2019t want to do that, but we were open with our team. People had to make very hard choices.\n <\/p>\n

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\u201cOur relationship with Dave Ramsey runs so much deeper than being just an affiliate. We feel like we are truly business partners, confidants, and even friends with Dave and his incredible team.\u201d\u00a0\n <\/p>\n

Gordy Rush, Vice President, Guaranty Media\n <\/p>\n<\/blockquote>\n

Radio Ink: You talk about the importance of not getting distracted and staying on top of business. Any tips on how to keep staff in that operating mode?<\/h4>\n

Ramsey: <\/strong>Overcommunicate. Tell them what\u2019s really going on. They aren\u2019t children, they\u2019re adults. Some will react poorly no matter what. We choose to tell our people the unvarnished truth \u2014 good, bad, ugly: \u201cHere\u2019s what we can work on to pull the wagon over the hill.\u201d The number of people I\u2019ve talked to who\u2019ve not heard a word \u2014 and that\u2019s any business, but it smacks of lack of leadership and courage.\n <\/p>\n

It\u2019s a courageous act and an act of mental health to stand on a stage, or to call everyone saying, \u201cI heard you tested positive, how are you? How\u2019s your family?\u201d Just follow through and talk to people. Just care about them, and they\u2019ll sense that. Even if you aren\u2019t able to hold on to them because revenue goes away, at least you\u2019ve done the right thing in terms of dignity for them and you.\n <\/p>\n

Radio Ink: In June of 1992 you hosted The Money Game with two co-hosts for free because the national station needed to fill time and make payroll. Had the station not had financial issues, do think you\u2019d be hosting a talk program?<\/h4>\n

Ramsey: <\/strong>Is that not the greatest irony? The Dave Ramsey Show started on a station that was in Chapter 11. Gaylord bought it out of bankruptcy, they sold it to Citadel, and they were bought by Cumulus. Cumulus owns it today. It was WTN here in Nashville. That was our flag- ship station for 20 years. It\u2019s a 100,000 watt stick.\n <\/p>\n

A couple of hillbillys go on the air with a twang. We wouldn\u2019t have gotten on the air with a legitimate radio station. Roy Matlock was the co-host; he was an insurance guy. When we syndicated, the regulators started raising Cain because he was still licensed, so he had to quit. The other guy was doing a real estate hour on Friday; his name is Hal Wilson. I used to\u00a0buy and sell houses with Hal. He\u2019s passed away since. Roy is back out there doing mutual funds.\n <\/p>\n

Radio Ink: Was this your long-term goal? Did you know what you wanted to do then?<\/h4>\n

Ramsey:<\/strong> No. We went on the show to try to help people. I had a self-published book I thought I could sell. Roy thought he would get some leads. We were both right, but I wasn\u2019t making a living. It was a fun thing to do. Once you get in front of the mic, you enjoy it. I\u2019m a ham. I like people. It\u2019s an intimate medium. You can tell what people are thinking by the pauses in their voice pattern, changes in their tone, and words they choose. It\u2019s been a really fun ride.\n <\/p>\n

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\u201cOver our 20-plus- year relationship I have seen Dave build a world-class organization based upon his passion, dedication, loyalty, and commitment to serve others that is unparalleled in the industry. During this time he has become a mentor and a guide for me and I have tried to emulate his principles in all that we do. There are no words to express the depth of our admiration and appreciation to have the opportunity to work with him and his team, and I can think of no one more deserving of this award.\u201d\n <\/p>\n

Jeff Zander, Jeff Zander Insurance, 21-year Dave Ramsey advertiser\n <\/p>\n<\/blockquote>\n

Radio Ink: At some point you decided you would self-syndicate, and it worked like no one else has been able to do it. How long before you knew it would be big?<\/h4>\n

Ramsey:<\/strong> I\u2019m still kind of wondering. The problem is we\u2019ve done this, in most cases, one station at a time. In some cases we could get three stations. But we never had that 40-station contract. We didn\u2019t get the big guys because they didn\u2019t own us and they weren\u2019t going to do it, which is understandable. We got a little station in Oakridge, Tennessee, and one in Russellville, Kentucky \u2014 both are podunk, nothing sticks. They were sweet stations but didn\u2019t have many listeners.\n <\/p>\n

Then we added Jackson, Mississippi, which was legitimate, and Spokane, Washington, which was a great clear. We started calling radio stations and talking them into it. Lots of people said this wouldn\u2019t work without a Westwood or Premiere to get these clears. I said, \u201cI don\u2019t think we\u2019re going to do that.\u201d\n <\/p>\n

One at a time, we talked them into it over 30 years. Now we have 620 stations. On mainstream radio, we have about 10 million listeners, and another 8 million with the podcast.\n <\/p>\n

Radio Ink: Do the big guys call you now and say, \u201cWe made a mistake\u201d?<\/h4>\n

Ramsey: <\/strong>No. We\u2019ve had discussions with the groups, but by and large they decentralized the decisionmaking to the local station. The local station needs to do\u00a0what they need to do. Occasionally the group will cram down one of their products to the stations, but we haven\u2019t run into that in a long time. Most of the time the folks at the home office are friends of ours now, and they trust our ability to serve their local affiliates, so they\u2019re OK with us being on the station.\n <\/p>\n

If we determine with the local people they have a slot we can do better in than what they\u2019ve got on, we talk them into it. That\u2019s basic syndication. We need to serve them better than what they\u2019ve got on the air, and convince them it will.\u00a0We\u2019ve been able to prove that, with ratings and doing local endorsements, we can help them get some revenue in the door that others can\u2019t or won\u2019t do.\n <\/p>\n

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\u201cDave has been one of the strongest influences in my life for not only how to lead with excellence, but how to do business the right way. He taught me to always remember that no matter what, people matter. He has instilled in me the fact that if you do enough of the right things, the money will take care of itself. I value my relationship with Dave as a leader, a mentor, a brother-in- arms, and a friend. I am so proud of this acknowledgement as Radio Executive of the Year because it further validates what we at Ramsey Solutions have known for years.\u201d\n <\/p>\n

Brian Mayfield, EVP\/Operating Board Member, Ramsey Media\n <\/p>\n<\/blockquote>\n

Radio Ink: How has your show evolved over the years?<\/h4>\n

Ramsey:<\/strong> I\u2019m loving it. We have six other people who speak and write books, etc., and I would have them on as guests, occasionally have one of them pop on. During the pandemic, I put them on as co-hosts, one at a time. When the worst of the pandemic was over, we just\u00a0kept doing it, so this year the show has changed. I\u2019m using a co-host now for the first time in 20-plus years.\n <\/p>\n

I\u2019m enjoying it a lot. The quality of the show has gone up. You can listen to me, and I\u2019m pretty quick on the draw. I can keep the stuff compelling, but when there\u2019s two of us in here mixing it up, coming at it from different angles, they add flavor to the gumbo. I think the show is better now than it\u2019s been in a long time.\n <\/p>\n

Radio Ink: What would you say to someone who wants to do what you did?<\/h4>\n

Ramsey:<\/strong> It would be a set of challenges with different players. By the time I got started good, it was group-controlled. Clear Channel, now iHeart, they\u2019re making a decision whether we get on their stations. Citadel, later bought by\u00a0Cumulus, and all the others, they\u2019re still there. They own their own talent base with the Rushes, the Seans, the Shapiros. They\u2019ll put their people on their inventory.\n <\/p>\n

You have to look at the time slot you\u2019d select to go into and decide what\u2019s it going to take. If you do excellent radio, even if you do that on a podcast, somebody will look at you. Ben Shapiro has proven that. He had a highly successful podcast that made the jump into radio.\n <\/p>\n

Talent will not be denied. You have to bring a product to the airwaves that\u2019s compelling. I wouldn\u2019t wish it on anybody to do it the way I did, one at a time. It\u2019s a lot of work. The net result is a big deal. We won death by a thousand cuts.\n <\/p>\n

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\u201cDave is not only an incredible radio personality, best-selling author, and successful business leader, but his gift as a teacher has helped so many radio executives like myself to be better leaders and managers. I feel fortunate to know Dave for so many years and to have had the privilege of being exposed to his wisdom. His impact on the radio industry and, specifically, my business goes so far beyond just the programming he provides. The giving of himself is at the core of who Dave Ramsey really is.\u201d\n <\/p>\n

Tim Feagan, President, West Michigan Markets iHeartMedia Markets Group\n <\/p>\n<\/blockquote>\n

Radio Ink: You\u2019ve mentioned podcasts, books, etc. What other things do you have in the hopper?<\/h4>\n

Ramsey: <\/strong>The other hosts all have podcasts now. The Ken Coleman Show <\/em>is on 58 stations. He answers questions on how to get people in the sweet spot of their career. He is doing really well; he\u2019s a compelling host. We\u2019ve built the Ramsey Network that all six or seven of us are putting out in various forms or formats, whether that\u2019s SiriusXM or podcasts or mainstream radio or YouTube \u2014 which is a great way to get your foot in the door.\n <\/p>\n

We\u2019ve found all these different methods of delivery, and there\u2019s very little cannibalization. The average YouTube viewer on The Dave Ramsey Show<\/em> is 23 years old. I\u2019m not getting them on a Talk radio show, I\u2019m getting a 50-year-old there. I\u2019m not cannibalizing the AM Talker getting a 23-year-old on YouTube. A rising tide is raising all ships.\n <\/p>\n

Literally, the 23-year-old\u2019s grandfather might be listening to me every day on\u00a0great AM Talkers all over America, but they can talk with their grandchild who\u2019s been watching Debt Free Screams<\/em> on YouTube. I get 16 million views on our YouTube channel every month. It\u2019s a whole different market.\n <\/p>\n

I\u2019m not married to one of these things. We do everything. It raises the brand and helps everyone involved, including our affiliates. The second thing it does is help people on the other end of that voice, and that\u2019s what we\u2019re here for.\n <\/p>\n

Radio Ink: What do you think will happen in 2021?<\/h4>\n

Ramsey: <\/strong>I don\u2019t have any idea. I didn\u2019t think this would take this long to blow over. I\u2019m an eternal optimist. I didn\u2019t think Americans would be bossed around as long as they have. I think there\u2019s a whole group that\u2019s done with this. I hope it resolves quickly, maybe a vaccine sets people free so the economy can get going.\n <\/p>\n

I will say overall, whether it is 2021 or \u201922, it will pass. Americans are resilient. People are not going to lay down and die. They\u2019re going to find a different way to do things. I don\u2019t know exactly what it\u2019ll look like. I never dreamed I\u2019d have to go through an entire body scan to get on an airplane, but we accept it as part of our culture after 9\/11. No one would\u2019ve thought that normal prior to 9\/11. We\u2019re going to see some things change, but I think it will be great. There will be some winners and losers, just like always.\n <\/p>\n

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\u201cIt would be easy to speak to Dave\u2019s leadership qualities, his organizational development skills, and the incredibly talented team he\u2019s put together, not to mention being a world-class radio talent, but there are two things that most impress. Dave has off-the-charts grit. His journey, starting on one radio station and selling books out of the trunk of his car, to now, is incredible and truly inspiring. Overcoming life\u2019s obstacles is at the heart of Dave\u2019s content, and he can speak to that; it\u2019s honest and authentic. He also takes great pride in serving others. Dave is simply a good human being. He\u2019s genuine. There\u2019s no question he\u2019s proven that success follows those who help others.\u201d\n <\/p>\n

Kevin Godwin, SVP, Townsquare Media\n <\/p>\n<\/blockquote>\n

Radio Ink: Does it ever freak you out that so many people depend on what you\u2019ve built?<\/h4>\n

Ramsey: <\/strong>Yes, it did this year. I knew I would be OK, but it would be a shame to have to start over rehiring people because I couldn\u2019t keep revenues up. I love all the people in the building. It was scary. I felt the weight of the responsibility. Our job as leaders is to serve. If they don\u2019t, they\u2019re by definition not a leader. Leading is not an entitlement, it\u2019s an act of service. If you don\u2019t feel the weight of it, you probably have the wrong perspective on what leadership is.\n <\/p>\n

Radio Ink: What\u2019s your ultimate goal with the company?<\/h4>\n

Ramsey:<\/strong> We are continuing to enter different segments. Obviously, we started with the money segment. We\u2019d like to add some personalities in the parenting area, marriage area. We help people with their lives and show them a clear path to healing, transformation, to be better in their lives.\n <\/p>\n

I want to do it in some areas we\u2019ve not done before. It will always be with common sense, with God\u2019s and grandma\u2019s ways of doing things. There\u2019s a shortage of common sense in every area, so there\u2019s always a market for it.\n <\/p>\n

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\u201cWe couldn\u2019t be more excited for Dave to receive this well-deserved recognition. He has built an incredibly successful business by providing people hope and the tools to live a more rewarding life, while also developing a culture of hungry, humble, and smart professionals. It\u2019s absolutely inspiring, and we\u2019re proud of our tremendous partnership with him and his team.\u201d\n <\/p>\n

Scott Sutherland, Market Manager, Bonneville Phoenix\n <\/p>\n<\/blockquote>\n

Radio Ink: Pandemic aside, what does Dave Ramsey do to stay positive? What motivates the motivator?<\/h4>\n

Ramsey: <\/strong>I haven\u2019t done as good a job this year as in recent memory of making sure I had some margin to refill my emotional and spiritual tank. If you run up against the wall all the time, you eventually burn up. I reached the end of my tank this summer. I had to go to my lake house to sit on the dock for the day\u00a0and cry a bit. Then I sucked it up and got back to work.\n <\/p>\n

Leaders need to do self-care so they don\u2019t lose their ability to lead. When you get fatigued, that\u2019s when people do stupid stuff that ends their career, marriage, or their lives. You have to give yourself some breathing room and refill your tank.\n <\/p>\n

I looked up and I had gotten the fattest I\u2019d ever been. I went on a whole regime and lost 38 pounds in the last 27 weeks. I haven\u2019t missed a day running or walking. I had to get back on an exercise plan. When I get stressed, it gives me permission to eat an entire box of doughnuts, and I did. It was ridiculous. I\u2019m the lowest I\u2019ve been in a while, which has helped me a lot.\n <\/p>\n

Prayer time and time with family has to be something you do to get the margin or gas in your tank so you have the capacity to lead and love. People get mean and nasty when they\u2019re running low, and that\u2019s what\u2019s happened this year. They\u2019re afraid and they got fried.\n <\/p>\n<\/p><\/div>\n

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