Almost half of Americans consider themselves “broke,” but why? According to a new article, it might be their inability to say no. Today, we’re breaking it down so you’ll know when to say yes—and when to just say no.Next Steps:• 🗞️ Check out the article mentioned in this episode.• 🎥 Watch my video Frugal People Never Do These Things.• 📈 Are you on track with the Baby Steps? Get a free personalized plan.• 💵 Start your free budget today. Download the EveryDollar app!• 🎧 Listen to my book, Breaking Free From Broke, on audiobook.Connect With Our Sponsors:• Get 20% off when you join DeleteMe.• Get up to 40% off Cozy Earth with code GEORGE.• Go to FAIRWINDS Credit Union for an exclusive account bundle! Explore More From Ramsey Network:🎙️ The Ramsey Show🍸 Smart Money Happy Hour💸 The Ramsey Show Highlights🧠 The Dr. John Delony Show💡 The Rachel Cruze Show🪑 Front Row Seat with Ken Coleman📈 EntreLeadership Ramsey Solutions Privacy PolicyLearn more about your ad choices. Visit megaphone.fm/adchoices