2 Broadcaster Press October 15, 2019 www.broadcasteronline.com Equal Respect Dave Says Now Or Later? By Daris Howard Rachel didn’t like moving out west with her family, leaving their nice New England home. She was only eleven when they moved, and it was a long, arduous journey A Good Emergency Fund? across the plains in the covered wagon. Her father worked Dear Dave, hard and built a modest cabin, but three small rooms for I have about $12,000 in company stock. Could I use twelve people made it more than a little crowded. this as my emergency fund? But what bothered Rachel most was how her father inJeff sisted they treat the Native Americans with respect. Most of the other settlers’ children talked negatively about Dear Jeff, them, but Rachel didn’t dare. More than once, her father If you want to call that $12,000 an emergency fund, had scolded her for her attitude. He was a religious man that’s okay. But if that’s the case, I’d strongly advise cash- and insisted everyone was equal in God’s eyes. ing out the stock and putting the money in a good, easily “Rachel,” he said, “if you treat others with respect, accessible money market account—one with checkmost people will return that respect to you, and your life Dave writing privileges. Stocks are long-term investments. The will be better.” only purpose of an emergency fund is to have cash on Another thing her father insisted on was that if any of hand immediately in the event of an emergency. the Native Americans came to their home and were hunDear Jayme, Specifically, an emergency fund is there to cover gry, they were fed. Rachel’s father told her, “This was their I’m sorry to hear about your husband losing his job. the unexpected expenses life throws at you from time land before we came. We are their guests, and they will be At the same time, I’m really proud of you two for savto time. It’s not an investment, and it’s not designed to ours. If we have food, we will share it with them.” ing and preparing yourselves financially for this kind of replace income. That’s why I believe it’s essential to keep Rachel had hardly seen a week go by without a few scenario. Eight hundred dollars a month isn’t bad for a your emergency fund liquid and easy to reach! Native Americans coming by. Usually, it was only Native part-time job, but it’s not nearly enough to run a house—Dave American men traveling in hunting parties. But somehold—even one that’s debt-free—when there are kids in times, there would be whole families, including mothers the picture. and children. When they came, Rachel’s father encourYou should already be living on a little as possible in aged Rachel and her siblings to make friends with the chilorder to make the money in your emergency fund last as * Dave Ramsey is America’s trusted voice on money and dren, but Rachel would have none of it. long as it can. It’s beans and rice time in your house. That business, and CEO of Ramsey Solutions. He has authored Rachel also despised having to share their food. There means no restaurants, no vacations, and no movies. In seven best-selling books, including The Total Money Makeoother words, no spending on anything but bare necessiver. The Dave Ramsey Show is heard by more than 12 million were some winters when they ran low and had to ration ties until your husband finds another good job, and you listeners each week on 575 radio stations and multiple digital it. Rachel’s mother was always cooking. Rachel’s father mostly only grew wheat and potatoes because they gave guys are back on your financial feet again. Right now, platforms. Follow Dave on Twitter at @DaveRamsey and on the most food for the cultivated land. The Native Ameriyour priorities are keeping the lights on, the water runthe web at daveramsey.com. cans loved bread and potatoes. Rachel felt if they didn’t ning, and making sure there’s food in the pantry. have to share so much, her father might have food to sell, This is a textbook definition of an emergency, Jayme. and then they could have other things that she liked betUse your emergency fund. It’s there for times just like BroadcasterOnline.com ter. these. But be wise, and spend as little as humanly posBut above all, there was one Native American man that sible. God bless you all! “Get Connected!” Rachel liked the least. It was not because he was mean or —Dave caused problems. It was because he always wore a skunk skin. The smell churned Rachel’s stomach, and she would always go out and stay in the barn until he left. She called him Skunk Man, at least when her father wasn’t listening. And try as she might, Rachel could not find any positive feelings toward Skunk Man. Then, one day, after Skunk Man and the group he was with left, the family realized their youngest girl was gone. Interior, SD – contributions, 43 the herd and continued Wildlife Fund, the Rachel’s little sister was only three, and Rachel was sure Badlands National miles of new fence was health of the prairie. Defenders of Wildlife, Park celebrated the installed, along with Visitors will also have the Nature Conservancy, that Skunk Man must have taken her. Surely a child that small couldn’t have gone far on her own. expansion of the park’s cattle guards, to expand more opportunities for the Badlands National Anger swelled in Rachel’s heart. The family started to bison range during a the bison grazing area to viewing, photographing, Park Conservancy and search, but Rachel was sure it would do no good. She was public ceremony on 80,193 acres, which will and learning about bison the Badlands Natural sure she knew where her little sister was. Rachel’s older Friday, Oct. 11. Thanks contribute to the health in their native habitat on History Association to brother was dispatched to ride to the neighbors’ houses to partners’ generous and genetic integrity of the badlands iconic and implement the Bison asking all he met for help in the search. Soon a large group stunning landscape. Resource Stewardship gathered. They searched all day and much of the night, Then project Plan and open new but to no avail. represents an grazing areas to the Then, the next morning, Skunk Man and those with him exemplary public/ existing herd. were back. That made Rachel angry. Did they come back private partnership with The partner group TREE TRIMMING, REMOVALS & TRANSPLANTING to admit what they had done? She could see by the reacsignificant philanthropic including the National tion of neighbors that many of them felt the same way. contributions. Badlands Park Foundation, the TREES FOR SALE Skunk Man, using sign language, asked her father where National Park partnered World Wildlife Fund, EVERGREEN • SHADE • ORNAMENTAL the child had last been seen. Rachel’s father took Skunk with the National Park Defenders of Wildlife, the Yankton 605-260-1490 Foundation, the World Nature Conservancy and Man to the yard behind the house. Skunk Man got on his Hartington 402-254-6710 knees and looked carefully at the ground. Soon he and the the Badlands National Serving Southeast SD & Northeast NE for 20 Years men with him moved off in the direction of a small ravine. Park Conservancy and Kent & Kyle Hochstein • Licensed Arborists Others, including Rachel and her mother, followed. The their donors raised www.hartingtontree.com Native Americans kept stopping and checking the ground funds in excess of and items around them, then continued on. $740,000. In only two Join us in celebrating When they were less than a quarter-mile from the weeks, the National house, the men stopped at some bushes. They checked Park Foundation and Mardell Husby-Ebsen’s Now Located the World Wildlife Fund all around them, then Skunk Man let out a loud yell. Sudth 80 Birthday! denly, he started digging at an old badger hole, and the 4 miles South of raised over $513,754. other men helped him. Eventually, Skunk Man slid faceYankton on Hwy 81 first into the hole until COMPETITIVE Sunday, October 20th only his feet were sticking PRICING out. Then he let out a yell 2:00-4:00 pm from underground, and the Selling Trailers in Edith B. Siegrist 23 States & Canada other Native American men Vermillion Public Library www.yanktontrailers.com pulled him out. Tucked in 18 Church Street, Vermillion Skunk Man’s arms was Ra402-667-2004 chel’s little sister. Her face was tear-stained, and she Sunday, October 20th, 2019 was a bit scratched up, but she was otherwise unhurt. When Skunk Man handed Includes a choice of dessert and beverage the child to her mother, Rachel watched her strong, brave mother break down and sob. Raffles Begin at 1 pm From then on, Skunk Lots of FUN Kids’ Games • Silent Auction • Country Store Man was one of Rachel’s favorite people. She would Adults & Kids (12 & over) - $10 smile when she saw him Kids (4-11) - $5 coming and invite him into Kids (3 & under) - FREE their home. And she didn’t even mind the skunk skin. At least, not too much. RAMSEY Dear Dave, My husband lost his job last week. The good news is we’re completely debt-free, and we have a six-month emergency fund saved up. I work part-time, since we have young children, and I’ve been bringing home about $800 a month. Should we cut our budget down to bare bones now, or do you think we could continue living as usual for the time being since we have so much money saved? 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