Husband: Let’s say, I don’t have enough money to buy something. Should I buy it anyway? Salesman: No. Husband: Now I’m really confused. Salesman: It’s a little confusing at first. Wife: What if you have the money, can you buy something? Salesman: Yes. Wife: Now, take the money away. Same story? Salesman: Nope. (Love this old SNL skit.) Freakin Dave Ramsey!