Debt Is Never the Problem, It’s Always the Symptom
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Live from the headquarters of ramsey solutions. It's the ramsey show where we help people build wealth, do work that they love and create actual amazing relationships. George camel ramsey, personality, author of the number one best selling book breaking free from broke.

He is my cohosh today, and we're here to help you guys also checking out on youtube that shows going to zoom zone phone number. Here is triple eight, eight, two, five, five, two, two, five. Darling is in philadelphy. Hi, darling. How are you?

Hi dave. I'm great. Thanks for taking my college feel blest today talking to the bolt of you.

We're honor to have you. How help.

Um so I just wanted some financial advice or thoughts. Um i'm fifty four. I've never been married. I have no children. I live in a different state and where I grew up, and as i'm aging, i'm realizing that I will likely move back to my homework ate to have that support in in aging in about ten, eleven years when I retire.

But a job opportunity came up this past fall that applied for and wasn't expecting to get, but they did offer me the job um and I just have some financial concerns about IT. Not sure if it's wise for me to to move back now. So one is the salary um there and this is through negotiation.

They're offering me what I was making last year at my current employer. Um currently I have a pension. If I leave what I make right now, I make a hundred and four, almost one hundred and five um but I also we have a lot of overtime.

I work in health care and i'll be making like growth about eleven thousand in the over time this year. I we have a pension. If I leave now it'll be about four hundred dollars a months as opposed to possibly like I think I see out possibly eighteen hundred dollars a month. Um so the overtime, therefore three deep um they don't start matching. I have to be there a full year before they start much.

And what to pay you? What are they gna pay you .

base one or two five and .

where is IT?

It's in um upstate new york. It's in victim to new york.

I'm guessing less expensive than the philadephia you're not the same .

housing housing is but um and I go back frequently because I have an elderly father and my families there. Um really it's not there's a lot more taxes, income taxes gonna more um that I pay here um utilities they I ve just look at my dad's utility bill and they takes a lot compared to what they do here in pennsylania. Ia.

can you afford to live there comfortable? Ly, are you debt free with an emergency fund? This wouldn't really from your lifestyle too much.

The numbers .

of the numbers are fairly equal. You're not given me. You're not not a fifty percent, not like one hundred and fifty vers. A hundred is one or two vers and one or four verses a little bit of difference and costs the living one way or the other a little bit, attaches one way or the other. So the question comes down to word, is darlin one to you and where is darling want to work?

Okay, because I was concerned about the pension losing that money for the pension as well as the overtime that they don't give um GUI won't make over time there they I won't have to work as much.

I don't. What does darlin want to do?

Okay.

do you want to do? You know.

i'm used to the money and I get to beyond st save everything that you speak is how my parents raised us. I mean it's to a tea um so just I just want to make sure I have enough money going.

moving, 打开 and I want are you a nurse .

i'm in rehab on a speech there first .

so you can pick up set to if you want to to .

I can um but I decide household for like twenty two years so I if .

if you're going to overtime time all the time yeah so if you were up there and you picked up sad gig doing some tubing， so to speak. Um then you could outset the overtime difference. So I really does come down to quality of life because the numbers are giving me aren't like, wow and there's no well, there's no real thing that breaks the camel back here so not no straw here. So I .

wanted to to get clear clear because just the thing was the pension .

in the overtime that you so and lida person and and I am too um but I I want you to just say, okay, god, which of these two things .

gives me peace?

What causes you to x sale? And as the loney says, your shoulder drop. Is IT staying or is IT going? And that's but the answer to mac question. If I me.

what do you think yeah why I think there's more than the numbers here that he needs to dig into a what is is the fear of just change of fifty four? Is that going to be is the grass Greener on that side? What if I move in? Life isn't different.

And so that's the stuff you got a grapple with on top of just doing the budget. And I think the numbers are going to work themselves out. It's more of the other pieces that I think she's really concerned about.

There's no grass is Green up.

It's going to be cold either way, darling. So just make the move, be closer to family and you're a hard worker you're .

going to be in yeah you're gonna OK and yeah that is set in stone. And and by the way, if you don't like that, you can change IT. But um I I think that's a good idea.

You know IT is real smart to look at cost of living because everyone automatically assumes and she's very wise to have done the research he's done, that automatically assume if you're going to a different area, that it's going to be a lot more, it's going to be a lot lesson, sometimes IT is the main factor in that light as SHE recognizers usually realist state. Oh yeah, usually that's the main difference. I mean, the difference in you know los Angeles or sentence ces go and you know small town U S. A is you gas Prices, little bread, eggs, little housing, a lot.

That's the one.

that's the one that throws you. And it's just changes everything.

And tennessee, we have no income tax. So people don't realized if you've got a job in tennessee, even of a pay cut IT might be equal comparatively to california, new york.

we have a lot of income tax. No, that those I was noticing A P and article this morning. The a million people have left new york and california.

wow. We've been covering since cover with the migration .

and has continued, continued. And they are landing in income tax free states. Texas and Flora are the two primaries. Intensity falls in there.

Two, but they land income tax free states, and and they arent land in states that were open during the the drones and shutdowns. And so freedom issues. And so financial, political and many million people have been displaced. Ed, wow, a million and left those two states on what somewhere else. So yeah, that doesn't inter into IT taxes IT turns out you can't tax the rich.

They leave. They will just piece out i'm gone. leave. They have on .

so much for your theory on that it's i'm done, you know load up that you all, oh, wait, i'm rich. I'll let one s .

load up the real fix er yeah and also you need .

to even so so dive you ever pick up. Do you have those friends that help move us? Said no.

wouldn't be friends. No one's about moving anybody or row that you want .

me to help you move. You mean you want me to pay your move. You want me to help you move as I would .

rather support to go fund me for you to get move vers that .

me help you out of that truck going either if you need to go fund .

me to do other ish. Don't ask if the bar was raptor, he will not allow.

And all my sixty four year old back, either one. You can have either one of them. This is the ramsey show.

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That's B Y R N A dot. Come slash dave. Well, think they call this cyber monday, which i'm learning about because .

my text my .

wife was really excited about IT .

really is sharing .

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Listen, and ten years you should talk about how to do IT in here for to all box. That's good information and amazing. I ramsey solutions not come slight store.

You can actually buy guests for people that have meaning. Not last years ugly tie. Come on people yeah listening on youtube podcast click the link or you go to ramsey solutions not come back like store gerd is with a sophomores. Hi gerd, welcome to the ramp show.

hi.

How you guys doing Better than we deserve rather what's up?

I know that sound. So i'm twenty three and i'm saving up to buyers and I was looking for guidance because I the first time buying, I have no idea we're i'm going I almost got twenty percent and that how where i'm at?

Good for you. What do you do .

for living? Do you pass control?

Good for you. go. How much if .

we got so w Epace.

yeah.

i've got i've got twenty, twenty six thousand and i'll have the rest of IT by mid january.

wo. So what's .

the rest of four.

five grand?

Good for you. What do you make?

So seventy?

Yeah, you're single, obviously.

Yes, and I do nothing but work sixty, seventy hours, sometimes eighty hours a week right now.

It's crime time. Jerry is no fun, but he has money.

That's fun. Gera, that's fun.

Why to go, Jerry, about living .

body else .

you're doing IT all that. I'm just working like a dog right now. I can enjoy a little bit my fruit.

So you have that no good .

and you have .

an an emergency found in addition to this name .

payment that was going to my next.

I say roughly .

my next after I buy IT, I was just pick a side.

take some of the money, make IT the emergency fun, and then will save up the downpayment you move in the house without an emergency phone because houses are an emergency looking for a place to happen yeah, yeah. Like crap breaks, like as soon as you move. And it's like Murphy y's law, a repaint at my house today and IT was and brand new. I don't .

make a mike. They used to well.

I mean, it's just part. Life is just like stuff you ve got. The more stuff you have, the more repairer you have .

to know which exposed wooden box stuff gonna happen. So you need the emergency fund three to six months of expenses. So add up what your expenses for one month multiple.

For a single guy like you, you could lean three to four months, mark. Anything above that becomes your down payment and twenty percent down is a great goal because you'll avoided P, M. I, which is private mortgage insurance.

which means you are .

looking at march today.

But just okay. Yeah, good. You listened to. You're killing. I'm so proud of you. Way to go who taught .

you to be the smart um honest I honestly nobody like, i've just like and it's like a bad thing like I wish I mean kind of you I took your class was in our high school. There we go and I can't remember and then I I had we had this class called deca. It's like A A teaches you had .

a percent .

um I think in I was .

student I was the president of the class senior year and I went to nationals. I was supposed to be a natural but to hit tragically so was first in the goals.

Way to go. Way to go. So when you are doing so good, the only thing I would coach you, owner, to do that, what we talked about, let's have the down payment, plus the emergency fun, which put in the march. And then when you are getting ready to buy, do not buy a project something you have to work .

on all the time.

okay, and do not and buy something that's easy to resale, which means it's kind da boring. It's not like some kind of, it's not some kind of weird. Do what .

I B S A Price you spending .

the money. Don't buy something that you look at IT and go, oh, I got to got good deal because this is weird because when you get rid to sell IT, somebody gonna good deal because it's and you're gonna sell IT when you get married because you will find out you about the wrong house when you find her so that's okay. Go ahead and buy the house but buy something that you can resell and make money on fairly easily and you will you know you'll be six twenty seven with a big grin on your face having made a bank on this hundred and fifty thousand thousand house is now three hundred and yeah our first town home and .

you you buying a good area with good schools.

You start to look at the step and is a nice place. But in terms of IT wasn't like .

super special .

or unique. IT wasn't weird. IT was just like, okay. Bm, that's one that's right.

Three bedroom town home is all .

was yeah during the time you owned IT went up how much?

Oh my goodness. I mean, three years we lived there went up over two hundred grand that's I we .

bought IT at three and .

so you're talking you almost one hundred percent just stood that one .

thirty to three hundred just like yeah twenty seven and three years amazing so do with .

the right way you want to this to be no more than a cover of your take pain on that mortgage and you make sure you choose a fifteen year now because you're too Young to have a thirty year mortgage.

And around your neck, fifty fixed because of paid off home mortgage is one of the keys to being baby steps. Millionaire adin is in Greenville, south CarOlina. Ina, hi, kadin, what's up?

Hey, hey, dave.

how are you doing a day Better than I deserve? How can I help?

So I just wanted to come on and just ask a quick question. You know I took your class last year with the sam school class, but I am a recent graduate from simpson. I just graduated .

in may gration.

Thank you, sir. And one of in a pretty in a pretty good situation financially with with with my present work. Um but i'm i'm pursuing medical school in the in the near future. Um you know I am looking at possible starting about two years from right now. Um but i'm just wondering, you know how is the best way to save up for something of .

that magnetite?

okay.

Um I mean how how much you make and you said a good situation, what you land in.

i'm making about sixty thousand salary and then but I but I think when when overtime comes, which is all get salary and over time um I can easily know working working action hours probably up in the seven eight range.

Good, okay. And just live like a college student bank. All of IT, right?

yes. So would IT be best to try to knock that down in like payoff all of that, or take out of, take out a alone for the four years of medical school?

Okay, you went through our clash.

yes.

yeah. You, you never hurt me. Ever tell us when I borrow money, have you? No, probably not going to start today.

Brother dying. That would have been amazing, though kate was the first one ever.

I want you to save like a maniac, and I want you to go to a medical school that you can afford. And i've got a feeling you're gonna be almost to pay cash forward if you watch what you're doing. Now the problem with medical school is people get so excited when they get accepted, and sometimes they get accepted to a place they can afford.

And very few times do you go to your doctor and go on mate dog, before we do the exam, where do you go to school? No one asked. All they asked is, do you have that, dean?

There's a frame on the wall. I right.

good. I'm assuming to start with that you ve have a clue, day day research to find out what these schools .

costs and choose an affordable.

Want to stop difference out there? Huge spectrum is mind blowing what some these places charge, it's like our college for that matter, and what some of them don't charge. This is the ramsey show.

For free tools and resources to help you reach your home goals, go to ramsey solutions dot com flash real estate, or click the link in the shown notes.

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dot. Come slide and off with york amel rami personality, number one best selling author is my cohosh today. Open phones at triple eight, eight, two, five, five, two, two, five.

Laura is in saint paul. Hi law. Welcome to the ramps here.

Hello, dave.

How are you today Better than I deserve? What's up?

Okay, I have a question read. Long term health care insurance um my husband eye back when we were married but a whole life life insurance because that's what our parents did for us. So we change the mother on and on. Um our financial advisers suggesting that we cash those in and best in alone from care insurance on nurse nursing home in out in the future. Just one mean what your thoughts are on using catching the whole .

life in is a no brainer assuming you have enough life insurance to take care of you. What's your also not worth .

right now about six hundred thousand.

okay. And how do you guys um .

we are sixty two and sixty four.

okay, if he does with no life insurance for you, okay.

Yes yes not .

I mean financially.

yes yes I would be fine. Yes because he that does not include what he is. Um um so he is he's a minister and he would get like a retirement to .

do there all the.

Fixed seven and a half.

but you can you can collect that if he does.

Yes, I okay, right?

So you're OK to eat. You don't need life insurance, so drop in the whole life is a no brand, okay? Now um long term care insurance, uh what you want to do there is you want to shop IT among several different companies, okay? And basically um try to get the best deal, in other words.

And so I don't know who you're what your financial advisor. If they're selling only for one company that's a problem. Do they shot on him for one company?

Suggested several.

good. 然后 看到 这个， here's what you get. Here's what you get today.

You get three years of coverage, and that will cover ninety seven, eight percent of the cases. Very few people live three years once to get to a nursing. I'm statistically it's two .

point .

eight years on average. Okay, now what Normally happens is mom and dad go along like you guys, have you got a godness tag here? And seventy five percent of your lightened outlive their husbands.

I don't know exactly what's gone on there, but will talk about that later. So and so popa goes in a nursing home, burns up three, four hundred thousand dollars, because one hundred, one hundred and one thousand dollars a year. These are three years as three hundred ground of your six hundred.

And then dies and leaves mama with the nest gue having been scrambled. And fred, so I think you guys are real candidate for nursing home insurance, the three years of coverage that you probably can buy. And it's fairly reasonable if you shop around and you know you want to you know the other will look for a feature that has in home care as well because it's sometimes cheaper and and often times a Better quality of life to have in home care. And so yeah, I think you're getting good advice.

Okay, no red flags here.

What what our concern was that would spring us up to um a quite a big payout every month for the insurance. And so just you know how much .

how much they quoting you six seventy nine .

a months for both that would be two two hundred thousand dollars in term or long term term .

yeah policies yeah and how much are you are getting out of the whole .

life policies um what are they valued that right now?

Yeah what what's your cash value you're going get when you close them?

Um between the two of us around fifty two thousand .

yeah so I page for IT.

but the cost seems is very reasonable. And i'm seeing the stat here in twenty twenty three average six year old man paid twelve hundred bugs per year.

That's about right for a level policy. So I don't hear anything that your financial adviser saying that that's like shooting rockets off wrong. It's all correct.

The only thing you need to do get down in the details and understand IT and get comfortable with IT. You're going to use some of that fifty ground offset your first year, of course, to move that in may be some of the second year. And um you know then you got to decide how far out you want to stretch this. Now you are sixty four. If you don't touch the six hundred, by the time you're seventy one, you will drop the long term because you will have a million two to a million five.

You can stomach the risk at that point. exactly. That's the point of insurance. Little transformer sk surana company instead of you. And right now, you guys couldn't stomach that with your network to take a three .

hundred thousand dollar hit. So George IT suddenly occurred to me, I i've told people all these years, don't buy long term conference until you sixty and I really haven't talked a lot about a if you build substantial wealth that you self ensure until I just woke up and dead time, i'm sixty four.

So what what happens if sharing or I are in a situation we were incapacitated? Well I get know we've got money and so aren't mean that in a bragging way. But you know what I want do um get like a bed that lets up and down and hire somebody to live there and take care of one of I you think i'm no you .

know you don't .

want to play a bingo um you can do that at home yeah online or something but now I mean it's just that I can have a dead gun medical and not think anything about IT you know full time put him in the house, take care of us or heard mayor whatever IT is. And the other one beef just equipped to create the same exact environment, but Better yeah in your own home because you get the money to do IT yourself insured.

And I just to determine how that's what will do. So we're not a candidate for a nursing home under any circumstances. I can think I I mean I guess we'll be some extreme thing maybe but um I mean I at this moment and financially, we don't need to do that.

Think about the cost, three hundred and fifty grand. So think about that as part of your network, as the listener. If you can stomach that from your nest g without IT affecting your life, you could self .

ensure that your average, that's the with the average day which means some people don't make IT that longer and some make IT longer right and so um you know you've got early onset and good health. You could be there ten years um yeah i'm .

seen the state here twenty percent i'll need IT for more than five years o so one in five people will have a longer stay. But like you said, most people you know two years .

average two point eight. So good. A Christina, Christina, Christina, Christina is in seven. O hi Christina, how are you?

Hi dave. Pretty good.

How you Better than I deserve .

what's up well um i'm a disabled veteran. I I got my disability in twenty twenty and I got h you know I will check and one of the buy house with that um and I make about know forty two hundred and months on the disability that is very good. So I in adopted by the peace land because the whole processes like china find to be real stage didn't work out well and and then I waited to build this.

And then here I am four years later and I have not built a house yet. There is no utilities on the property yet. I'm living in my travel trailer on the property legally um but I still don't have a house and um we're trying to work to the process.

My dad is now helping me. I cannot afford really to build on my own. I need him to help me. I need a cosigner and .

then you can afford the bill.

And yes.

you bit off more .

than you can choose tty yeah the property you know it's a half eaker. It's so it's a great size. Um I bought IT for two fifty with twenty five percent down that was required by the blender. So I now I only know about one hundred and sixty thousand on IT and it's worth to sixty five or so s to .

sixty five four hundred probably IT would .

probably self for more than I bought IT for.

Oh, I think so you .

need to sell and buy something you can afford.

There's no one point. And keeping IT you if you can do IT without a you, you don't get yourself. You don't get yourself in your dad .

in a pants. okay? I wouldn't do that about a quarter of my monthly income for just the .

land here and .

go about something .

you can afford. You can afford to build on IT. That's what you told me, and I don't want to do that. I appreciate you serve in your country, and I don't want you get handcuff to a bad deal and you dad hand up to a bad deal. Let's don't do this.

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George camel, rami personality is my cohoes today, the ramsey question of the day is brought to you by why refer? We trust. why?

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Today's question comes from glen in new york. Should I change my investing strategy and fifty years old in debt free with an emergency fund? I currently put ten percent in a rafi ara in another five percent in my four one k from work.

Should I contribute more to my foreign k to max IT out or get with the financial adviser and start investing in individual neutral funds? Currently I have around six hundred grain. My four one k in the rough has about twenty k all right.

So we're dead free or fifty. That's good to investing fifteen percent. So the question is, does he have a mortgage in as the house pay off? If so, I would continue to invest more and max out those accounts before working with the individual mutual funds outside of retirement.

Yeah if you're in baby steps seven, meaning and your houses paid off, we don't use the fifteen percent rule. We say max out all available retirement account, everything you can put in a four a one k, everything you put in the raw. If your company has a rough for a one k instead of a traditional for a one K I would shift to that too.

That would be my plan. But i'm with you, George. If if your home is not paid off, then you need to be working paid off your home and leave this at fifteen percent. You're fine. You're in good shape out.

I mean, when you are fifty seven, you're gona have a Megan two if you don't add anything to IT when you are sixty four or you're going to have two point forward if you don't add anything to IT so that you know if you're invested in good mutual funds, that sounds like you are sounds like you do the right thing here all the way around. Um but now I don't think you need to move to individual mutual funds. The only reason would move some to that as if you were going to quit work before fifty nine and a half.

I don't see that happening here. I didn't hear anything in this email or that made me think that was going to occur. If that's the case, you would need to do what we call bridge investing, which is have some money that's not in a retirement account that you can get to before fifteen.

And I have to have something to eat with. That's always a nice plant too. So um that eating thing is good. The so yeah I mean, you that's IT and George, that's the second time in this hour we've used that. So here here's a little quick lesson, boys and girls um there's a thing called a math anomaly called the rule of seventy tools.

And if you take an interest rate or a growth rate on your mutual fund divided into the number seventy two IT will take you tell you how long IT takes a lump sum to double, okay? And so if you're making ten percent on your mutual funds average in the seventy two is seven point two years to double. And so that's what I just did.

I'm assuming he's going to making at least to that if he's fifty at fifty seven he would have not six hundred, but one point two at sixty four or seven more years he would have to point for. And we can go all away to seventy one and have him sitting there. Almost five million dollars.

And this played out real lifetime. I went back and look, the actual stats under trumps, the first term three and a half years in the stock market was up fifty three percent. Under biden, three and half years in IT was up fifty percent.

So one hundred and three percent return in exactly seven years, exactly what you say. The stock market doubled in those seven years. Now that's about what do. So this is not just an opinion or math formula.

IT plays out in average, I know. So we don't know what's going to happen from here exactly, but that's that's a good thing to kind of cause yourself along, though I think i'm gonna okay.

Hi hydron for sam, color on time. Glad to be on the show.

Well, thank you. How can we help?

Um okay. So I am a task professional. I'm a in old regen um recently on the new I am hearing that in order to reduce government and efficiencies um and uh the the trump he might remove in compacted and replace on the house that all good.

Um you know that's that's okay. But for attack professional, how would I i'm thirty three years old. I have like about five years experience in the field.

How would I facilitate a career change? Uh if if that were to happen, I don't think that might happen. But you know um Jesse's ase .

IT does what you figure out what your talents and patients were that drew you into this in the first place. So I am guessing you're like me. You're a bit of a math nerd. You're quick with details. Your mind grasps decision making flow charts on things like taxes and so you know that tells me you need .

to move towards accounting yeah um yeah maybe some other uh, things in the calling that .

are not tax like .

maybe and of .

all kinds and your really goes there and you know what I I am with you, I don't see this is a high probability in the near future. Uh, there could be a trend in that direction. You could take a while uh the chances on you know three days after he is warning on that you don't have a job or zero so you're okay. We want to worry about this today um but what I what IT does do is interesting for you personally as you kind of give you that wake up called to o hey, maybe I want to do something with my life that's more than just maybe I want to provide my horizons .

yeah I am in the field and the my the whole time I in the field, I was thinking that the only two things that are to test, oh, now we know what might not be true well.

IT might be true. It'll just take a different form um and so the but again that the the talents that you have, the way your mind works easily for you and hard for others. IT takes you towards detail and towards finance and accounting.

And so you know you might sit for your cpa, you you might move, might go head and this is just a thing he says, hey, time for me to take the next step in my career regardless of trump, regardless of what they do, that that we're not going to sit and wait around them with White house to fix or destroy our lives. See there one, we're just going to go with our lives. What's the right thing to do? And so maybe this is just god given you little nudge.

say you need to get some education, some skills and maybe expand the horizons a bit.

I would, I think you be good for your practice. Anyway, right now you've got a very seasonal thing that you you work like a maniac, and then you're off the rush. The year basically I mean ninety percent down.

And so it's not like septembers big in the tax prep business, know. So um you know we do a little work around this time a year in the tax rate business because people are getting ready for iron staff, especially small business people. Those kinds of things are some moves you can make right now.

You need to check with your tax pro right now on baby. But but by in large, you know you ve got the sprint in the first quarter, takes you down April of fifteen or so and may spill over in the may with some light filings and stuff. But after that, you're just kind of out. So i'd be looking for something to supplement anyway.

absolutely. And maybe find a nit you might find like working with a certain type of client and that might be your specialty that you dive into.

We've got tax E L P S. People that we endorse to do taxes, endorse local providers, thousands of them all across america, and we are not advising them to prepare for their business to end. Yeah.

i'd turn off the news if if you're getting .

paralyzed by that yeah again, I have no idea um any more than by else. What are the new president's going to do? But but it's the it's gonna bit can be a bit things things move slower than then that I don't think you're going to get a call one day and go.

But there is no income tax, although on a personal note, IT wouldn't pissed me off at all. 有什么 是 no income to text？ I be going, oh wow, I get to know you mean all the the things that the money that I make helping people I get to keep the money that I made x instead of sending IT to you people.

if you have ever thought about that, that when you get your tax on your income, you then use that money is taxed again. And then the person who gets that money pays taxes on the money they get as the business owners IT just keeps going.

And then when you die tech.

you again the death tax on your state. Ah so just an endless taxation .

of the dollar. Yes.

it's I have thought about IT. Am I turning .

into a boomer? You are sitting next to one for too long, and the scrubby off, the the spirit of rage is leaving my body and moving into you.

No, soon on me yelling to kids to get off my lawn.

Yeah, that happened to me this week. IT was your grandkids day.

It's different.

And I was no of my neighbor yelled at me to get off his long you a bold move, all move. He was sort of kidding. Maybe A.

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the live from the headquarters of ramsey solutions. It's the ramsey show where we help people build wealth, do work that they love and create actual amazing relationships. George camel, rem z personality, nebo best selling author of the book breaking free from broke on sale on cyber monday. Right now I rems the solutions about going, he's my open phones at triple late eight, two, five, five, two, two, five and is in phenix ian, welcome the ramsey show. Hi hi.

What's so my question is is is IT worth dipping into our emergency fund while we fight insurance to make sure i'm OK metics um a little more into that? They think i'm having an at topic pregNancy and my husband offer dipping into emergency fun because he's already done the math, he twenty of the head and instead of fighting insurance, he'd rather just make sure i'm OK literally thursday and then fighting insurance for a month and I have to go in for urgency surgery.

Um well, I think your husband is one hundred percent right.

This sounds like an emergency to me. It's urgent, it's necessary and it's unexpected. Yeah, yes, check the boxes.

And what were you? A navy seal? You don't think you need to do this. I mean, you know, you take you need to take care yourself, girl.

to me, it's the insurance is trouble like that. We have his milk.

Think it's your problem. You yeah OK.

I think you fight with them.

I would argue with them up and down. And I I would go all you know, I go all in right now and be turning their frequent heads off. But but at the end of the day, we 也 也能 just keep doing that up until the day of but yeah， you need to go and to take care yourself okay, what .

you very okay.

What's the cost start .

of pocket? Um IT would be initially just for the outer stand. It's um five hundred dollars and I I I was A I had a really that spending how IT I love shopping. I'd get IT from every female and related to so spending money now feels like a heart attack in my you you've .

overcome in pulse ve topic. Listen, an ultra sound when you are having a baby is not impulse. Okay, now what do this? I will tell you that if you will shop around the wonderful town of phoenix, you will find that you can probably get that ultra sound done for .

two hundred and .

fifty yeah there's a lot supplies to do ultra sounds and their Price range again, if you say no insurance cash when I walk in, what's your best deal? Like I I want to coop pon, like you're shopper, okay OK, you're gona find that we find this all time. I've actually advertised for a few ultra m places over the years uh in certain cities and not one in panics and not lately saw don't know the name of IT, but I remember this concept.

They came to us. And o oh, the reason by charges five hundred or six hundred bux is because insurance you'll pay IT. But if you walk in there with cash, you can get IT for two hundred.

And that's what that company told us. That does ultra sound. So and they advertised to that for a while to try to steal business from the insurance ultrasound people or whatever.

But yeah, good. Shop around. Get a Better deal. But take care yourself. Get to OK husband's right here was IT by good hope. He a good man .

OK shown up on .

the scene. I can care of his wife. Saw loop. Yes.

he is a fantastic house. Yes, he is.

They're out there. There's also taken, but there are out there.

There's an that's true. There is an apple called Billy day. There not a sponsor of wards, but they have this a cool APP that shows transparent pricing for procedures.

So you can type in the C P, T code. It'll tell you in your area what the cheapest st facility is for. That specific procedure is pretty cool.

So I might be something you can check out as you as he does her research. I never tried to personally, but i've heard good thing, so might be an option at least. No, your naked ts screwed.

So I have a concept in George .

has an actual, there's an act for that.

dave. Georgia is always .

a technical hack .

for my good concept.

cool or Billy. We've talked to them after I don't know, I don't know it's Billy is in the .

bill with the medical bills.

I don't know, barely good will find out, but I could be i'm all about transparency because I am the one who hates get script, who feeling like I overpaid for something. So just to know i'm not getting screwed and this is actually a good deal makes me sleep Better.

I've been paying cash for medical stuff for a long time out of pocket, and all you do just go paying cash, not insurance. And most the time is.

yes, I used to work at a dockery office when I was fourteen years old, as the reception is. And if they were cash pay, yes, can you imagine walking .

in and seeing me all for about .

the same over the desk? I macks ed out at five and a half.

I was that you were the reception.

st. I had up doors. I SAT on a pill king. That's right.

Things i'd learned while i'm on the air in four millions of people about you.

That was my first real job. I have twelve box an hour.

Wow, you can paid big money back.

I was good money back then for a fifteen year old.

Do you kid well? And they were seriously overpay you.

but I remember we get the the bills, the procedures, and if they were cash pay, the doctor would have me noted, and IT would be a severely discounted rate. You got that at fourteen, and I figured that out.

This is how georgians up with a book called breaking free from broke knows about Billy and he knows about.

I can't more along to save my life, but I know a cpt.

George learns the hack for the medical system well.

not on your bingo card.

Did not see that coming today. George answering .

and you answered the phone.

Did you have heads said.

no, I mean, IT was, you know, people walking up. I was more in person. I answered the phones.

which I was really good at. So I mean, seriously, folks and babies are one of the things that we've discovered this with the most IT. And this is all the way back from the early days doing the show before health care was what IT is now, good or bad, but everyone want to call IT.

But in those days, sometimes people did not have labor and delivery coverage on their health system, on their health plans. And what we learned was, if you go to the hospital to have a baby is one of the few times that people want to go to the hospital, it's a good thing to go to the hospital. Most of other times you are the hospital is a bad thing, right? And so, uh, labor delivery is like good P R for hospitals.

So if for some reason you find yourself not covered, go to the hospital in the first trimester and say i'm gona choose a hospital based on the deal that you give me for library delivery and i'm going to pay cash and I will pay fifty percent of the upfront before we get here in the other fifty percent on the day we arrive. So you will not be trying to collect in its cash on the bara's ad and you will see a fifty to a seventy percent reduction. That's that's what we Normally save from hospitals, again, because they really like babies to come to their place because is the time that people come to the hospital, everyone involved, the visitors are smiling.

The participant is smiling. Everybody, right? And so families .

visiting there.

yeah, it's a good thing. So take keep in mind, this is business they want, in other words. And so and you you're a cash buyer, you don't have insurance.

This is how it's going to be. They don't have to chase you for the money. They got the money up front like that, work a of stuff out.

But yes, if you are pregnant and you're having a trouble with your pregNancy, that is my definition. And emergency, if you need to use some of emergency fund, that's what is for this is the emg show. Are you working the baby steps? One of the smartest and most impacted changes you can make is to ditch your cash value life insurance plan if you have one, and replace IT with a term life policy.

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com. Cyber monday and time is running not to grab best selling hard cover books like the total money makeover on your past, change your future and from paycheck to purpose for just ten dollars or audio books for only four nine, no matter who you're shopping for. This is chance to give life changing gifts that won't break the bank, but hurry, these cyber monday deals end to night. So go to ramsa solutions dot sly store right now, rami solutions dot com slight store. George camel rami personality is my cohosh today open phones at triple ate eight, two, five, five, two, two, five DJ is with this in Austin, texas.

Hi DJ. How are you.

不是 um ironically .

a long time listener alright and didn't know what but um I followed the slaps and have have without formal introduction to those day show and I didn't realize you had common .

I was I guess .

I because by accident， as I work back on IT or I G I should i've been doing exactly what you're talking about in what you outline. Great great advice I agree with with nine present ninety five and ship, 感谢 收听。 Um my my question is once we get to your level or we get to the level that you you would take is the time uh what your thoughts on maintaining that whole lot harder are right to compound at this level and watch the and and i'm just i'm just amazed that um what's gone on in our world today and and and the leaks and in the shots and everybody's taken to take IT away from you.

okay. Um well, the hard thing is not the actual compounding because a million dollars invested in mutual funds does the exact same that ten million does, does the exact same that one hundred million does. It's exact same compounding. A million dollars investing in good real estate is the exact same thing one hundred million dollars does in good real state. So the compound is not the problem.

The problem is a stinking in taxation and a state planning and um you know and maintaining your sAnitary as you manage more and more assets um in terms of not letting IT drive bunkers because the more stuff you own the more repair reman you have to know kind of thing and so um maintained you let actually getting peace from IT rather than anxiety from IT you know i'm saying so very much so the spiritual aspect of IT is is more chAllenging. The tax and estate planning is more chAllenging. And because as you said, more people taking shots at and really risk management becomes a thing because you know all of the sudden somebody wants to issue you because they got a hangnail and and they think it's easy money.

So you've got to have risk management. So those are things that i've noticed to come into play. And I think you just managed those things as if there are individual sciences. That's what i've done. I said, okay, risk management, here's what we're gonna.

We're going to study that i'm gonna learn about, you know how how to split up the pie and the smaller of pieces that I didn't have a big target on IT and doesn't it's not as attractive to everyone to sue, also going to not settle with anyone. I'm going to destroy them if they come after me and try to get easy money. I want to make an example out of them and their jack leg ambuLance ed chasing attorney and i've done that.

Um i'm going to I mean, I just set some policies in place and said, okay, here's what we're going to do and obviously by insurance and obviously I don't own anything anymore of things in some kind of a trust or L L C or c core R S crop, one of the two and and h then a state planning or spent you know couple of hundred grand over the last twenty years on a state planning. Maybe more to save twenty or thirty million in a state taxes um and so um and in the same thing on income tax, which is just an ongoing thing. So I mean, all of done is i've just had to get Better at those things as the size has gotten Better. But the compounding is really not any trouble with the money. Making money is kind of bizarre.

You have dead attached to IT all that real state cash lows way Better.

Yeah yeah.

And you just leave the investment alone.

You will grow. So it's it's one the things that comes with the you are A A Christian, a personal faith. And so I believe i'm not the owner. I'm managing IT for god.

And so i've god asked me to manage something larger and more sophisticated than I have to grow my skills, including the size of my backbone to handle whatever anxious your dress and the fight if I need to fight, including um the um just growing my brain about some of the subjects that I didn't know before. And that kind of thing is part of becoming a manager you're to manage, you know, one restaurant is different than managing five hundred restaurants to different skills set, you know. And so even if you're a manager and you not the owner, you're working for someone else.

But just how I have view IT also by the Y. D. J. I go out again.

My face journey with that has really, really kept me from a most of the time from being stretched out about this stuff because I just go, uh, god, you got a problem. You have a problem. I'm the manager. What do you want? Do what you're thing over here.

They get this situation, you know, and in prayer to say, okay, lord, what do you want do if you're deal here? And sometimes he says, you can fix that for my god, because I I don't know what I should do here and uh, is your thing so what all the owner and go the heat nares the R D, call the owner and so I call the owner sometimes and I I remember IT, i'm not god. I don't have to have all the answers.

I'm not perfect. I'm going to just do the best I can do with what the next right step. And that's released me from a large percentage of the stress a lot of people feel in those situations where your wealth has.

you think you could just screw IT up overnight?

No, i'm not going to screw up overnight because i'm not gonna one single thing that blows the whole thing up. I'm not do anything. Is that reactionary or that risk? Not i'm too risk of us today that but um yeah it's just it's interesting.

So good stuff. I Jennifer is in portland, maine. Hi Jennifer. How are you?

I'm doing great. Thank you so much for taking my call. dave. I'd been following you for about twenty years. And when I first heard you, I became debt free and we moved to me. We paid off our home in ten years and it's given us financial freedom.

So thank you. Thank you.

The reason .

i'm calling is I have an um older cousin. I'm her only living relative SHE has left everything in her will to me um SHE has a home. Lets paid for that words about one hundred and fifty thousand dollars. SHE has a thirty thousand dollar he lock on there that's variable.

SHE owes back taxes for last year of forty three hundred and she's going to own another forty three hundred calm do in jane SHE has thirty thousand dollars worth of unpaid credit card that SHE stopped paying on about three years ago. He did have somebody convinced her to lease a jeep and SHE paid that off but then he went back to them and took a really high interest low out. And um we're just kind of sitting here wondering what we should do if he lost his home, he would have nowhere to go. He is got that credit and no money.

How seventy seven .

and she's not in the overly the best of health. Um he does have an income of thirty five hundred dollars a month that we've been trying to convince her the budget all these last three years. yes. And he has done he has not done anything really to help herself self right. So that's .

our problem then.

Um well, we're wondering is IT hove us to take the taxes and the hillock of knowing that knowing that she's gonna .

borrow wit again in summer?

Yeah I .

don't hope to this this this .

woman has a track record is a it's like every time, every time something gets cleaned up.

SHE measures IT up again.

right? I don't want to be a part of that.

right, right? SHE. I mean, okay.

so you pay off, he luck and the jeep gets repot they so and so SHE goes and takes out another heck to pay the lawsuit. That's that's what's common.

Yeah I don't I hate to say, but I don't think she's smart enough to realize he could even do that.

She's mart of get the heck the .

first time while her husband, who has, is deceased.

Did he do the jeep? No, that he runs up the credit cards? No, I won't do this.

Jennie.

jennie OK, you're a good money after bad, I would culture, I would lover, I would be cheering for. I would write zero .

checks and the estate will pay off her debt. And whatever is left.

if there is anything, you'll get IT to have any expectation there? No, no. I think he needs to, I would scared the pay, what, not ever.

Hey, you guys, when you go against what society thinks is, quote, Normal, like avoiding debt, for example, you might seem weird at first and that is totally okay. We want you to be weird if that means you're doing things intentionally, including how you spend your health care dollars. And one way to be intentional, as with Christian health care ministries, C H M isn't health insurance.

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Hey, George camel here. So you're thinking about buying or selling your home. It's exciting, but there's a lot to think about, and all those decisions can feel overwhelming. Well, here's the good news. You don't have to tackle the process alone.

Ramy's real estate home base is the place to find all of your free tools and resources for help to get prepared to buy or sell your home with confidence. You'll find calculators, start to finish guides, a podcast and even an in depth video course hosted. Yours truly, what's not to love? So if you're ready to take the next steps toward your home goals, go to ramzy e solutions, not com slash real estate. That's RAM y solutions dot com slash .

real state George cameel ramzy personality is my cohosh. That is that time, a year and a few weeks, we're going to be doing your old's favorite show here on the razi show, the giving show, who we hear from people who have received gifts that were life changing or given gifts that were live changing. And for three hours, we talk about that to inspire you to live like no one else.

So later you can live and give like no one else. So we need to hear from me if you want to be part of that show and share your story of giving or receiving that i'll make our eyes league and inspire people. Love IT go to ramsey solutions not come slight.

Ask put giving in the subject line. Leave us a little bit about your story. Team will get with you and set you up to be part of that program.

It's gonna on december of the eighteen th, so you need to get your submissions in. Now we do want to hear your story. Please got a rami solutions, not come, slice, ask, but giving in the subject line. Brady is in houston high. Brady, how are you?

I'm good. How are you .

going to get 开玩笑？

Hi, I appreciate that so many my wife have come to the a agreement that my current position as A A A business owner and it's uh not likely to get us to the goals that we would to uh that we said that we want to end up in our life and um my question to use, my wife is not willing to move away to find the right job that does that he wants to stay close to her family.

She's very close to them that could occur and i'm close to dim as well, but i'm more willing to go out and find that job far away from here if IT is that what IT is? And she's uh, very resilient to making that change. And uh, there's not much job offers nearby where we live, but there are, you know how I want half away from here. So how I mean brenon yeah about now in a half outside of houston OK, so houston, my nearest, uh, big count. And so what kind .

of job are you looking for?

Good job. I I I i've done h i've got experiencing all gas and i've got experiences in manufacturing in airspace, uh, safety system. I'm actually looking right now for a role potentially in oil and gas, but also in um I know that there's a lot of space exploration, uh.

that is so what would you be making in the new role approximately?

And I would be a fourteen engineer. So somewhere between eighty to ninety thousand.

what do you make a small business.

It's a carpentry ary business. Sell the passion that I jumped into and it's very it's very, of course, based on the i've been able to maintain around sixty five to seventy a year, uh, but that's, uh, starting to show we have got kid of a boy and we want to have more kids and that starting to show that there's something else that needs to kind of take care of the expenses and just what i'm making now in the job. How long have .

been married?

We've been married after years now and she's funny enough. She's actually a uh german citizens with a Green card. And so there's um it's funny. I talk to her about finances and stuff and there seems to be a disconnect where obvious things to me are not so obvious to her uh and and I see IT as from her german background like very different there and there's not you know no not .

as much her her german family is in brand in texas.

part of the german family. Yes, she's got family all over the world, but the her sister, she's very close today where her sponsors coming over. I met her through her family and h so ended up marrying her, but a close to her family who's here in random yesterday .

her family is her sister.

her sister and her brother. And long that's .

that's the whole family hold.

No, she's got a mom in germany.

That's what I am asking. Why in the heck you're staying in britanny? Her sister is why you're staying in britain.

It's not exactly mom. It's not exactly her mom. And you've got a grandkid you run and .

off with this is her her background of their family is very rough.

a lot of bad stuff yeah OK her sister .

was her her mother, acting mother kind of .

think okay so here here's .

um you know .

you guys are just got sit down and talk about OK these things all don't go together. There's not a ninety thousand dollar job for me here.

right?

If you are in agreement that I need to get a different job, you are saying we need to move closer to houston. So instead of being ten minutes from your sister, you're going to be forty five minutes from your sister. And i'm gonna have a thirty minute commute. You're going to .

move between the two.

That's reasonable.

Yeah, absolutely.

But but if you can't communicate that the kind of basic stuff, you got other issues like marriage .

issues oh no yeah and and and that's uh it's not so much she's willing to move.

Uh no, she's not why you called .

me SHE SHE is uh fateful as a wife but he also has the that I went say .

he was unfired ful you called said she's unwilling to move but wearing in an agreement that I need a new job that's exactly what you said right here. I hurt you.

right? Okay.

so so quite change in the story.

And if you can move across the world, I think you can move an hour away OK. You can visit on the weekend. Yeah so I think there needs to be some compromise here.

Yeah I mean, i'm again, i'm not a sign in moved from frequent new york city. You're moving closer to houston, where you have a thirty minute command, an ha half, and then when he sees her sister on the weekend, for god sakes, you drive an hour over there. I mean, you know, if this is not, he wants to be, he wants to be a rocket scientist.

So kids, I IT, but no, no, I mean you you are in the hot bed if you want to be in the space world, my god, you're in houston. You can there's nowhere else other than keep an overall that you can do Better. So um but you're gonna not commute an hour a half so he could be near her sister that's as I think we're onna .

face time for a while yeah to be okay.

whatever. I mean, again, i'm not suggesting you completely disconnect that you've never see them again or whatever. But if you actually add up the number of hours you spend with them during in the week versus the number of hours you spend at work during the week, these two things are not compatible.

So it's illogical. It's silly. And were both in agreement that me working all the time is a carpenter, my passion job, I think he said, yeah, is not working out.

So, okay, good. So get you an engineering job up tor tueson. Move your bot up there. And then, you know, for god sakes, her, her a driver and center dowers.

You know, to the sister, if you have to, what are you going to do? Is not really not this is not harar. It's not hard.

So you can't have this both ways. You can't say, oh, you need to make more money. We live in a dinky town that doesn't have a whole list of mechanical engineering. Now if there's mechanical engineering, you can do remote and the old field, you might be do some remote work there.

I don't know how that works. I thinking about .

that maybe maybe land that and i'll just shut up and you just stay there, but you need to go find some actual jobs and make her turn them down. Not theory.

especially if that means that fifty percent pay increase, one from sixty and ninety.

It's serious. what? That's IT. So I open phones at triple ate eight, two, five, five, two, two, five.

There's a reason, folks, from an economics perspective, one of the classes I took way back in coverage, dinosaurs around the earth, and I was getting my real estate degree, urban economics. And urban economics are different than rural economics. There is more opportunity in a metropolitan area with larger population.

There is also the downside of a higher expense for real estate typically. And there's the downside there is a dad gun. Many people and not all love more fun. And so you know, you move to the city if you're going to if you're gonna move into some careers and and if you're going to move out towards the country, you're going to get cheaper real estate, a more rule setting. I love that personally, but you're gonna a commute in if you're going to be involved in the economics of the opportunities that are available.

that's what he's find. You put all .

the different elements. It's different in account of what IT was frequent. Houston, twelve million or something I made in huge course to take seven hours to drive across the whole thing.

But a brand dams got seventeen thousand people. Okay, a crazy big town where we go look at .

you with your quickness on the google. This is the ramsey show. It's cyber monday and time is running out to grab best, selling hard cover books like the total money makeover on your past, change your future and from paycheck to purpose for just ten dollars or audio books for only four ninety nine no matter who you're shopping for, this is your chance to give life changing gifts that won't break the bank hy monday deals and two night.

So go to ramsey solutions dot com slide store right now. Ramsey solutions dot com slide store the best way to build wealth is on purpose. Reporters often asked me, dave, what's the number one mistake americans make with their money? As if they think i'm going to say a single.

thing.

Journal.

what's the best advice you have ever got? Yeah.

what's what's the best vice you give? What's the number one thing, the people. I finally developed a really good answer, you know, want to take americans, make other money.

I don't free can pay attention. I just drive with their eyes, clothes and wonder why they hit a dead gum ditch. I'm just going to spend everything I make and i'll get to retirement and go. I sure hope the government, which is as well known for its sibling, the money, will take care of me. That's dome.

I'll just buy now, pay later and swipe my life away and hope for the best.

Just corona keep .

corner.

then carma comes carner .

carma a credit carmer r .

killin me here, I was buying A T shirt with a smart Alice saying on IT, can you imagine that they offered me payments on the t 恤？

George.

I, kate, this is the problem. Okay, so let me tell you how you, how you build wealth, you pay attention, your intentional, you make your money. Behave instead of on dering what I want.

That's called one of the things you do. You do a budget, you sit down, you go, okay, I manage freaking one hundred thousand dollars a year, and I have no idea that's dumb. If you worked for somebody that was your job, you get fired for being incompetent.

If you're in the government.

you get promoted. Well, we're not talking about that that you just me, my now don't do that. sorry. We're talking about real people, not government people. These are, these are not bureacracy are humans.

And we just don't pay attention, pay attention, write IT down, agree on IT with your spouse, give every dollar and assignment before the month begins, and the incorrect, the freaks and WIP on those dollars and make up dance a jig so you end up with something out of IT. I mean, get the chair out and the way up. Remember the lion, there's money, it's gonna take you.

But if you do not take care of IT, you know why other people have you know why the rich get richer and the poor get poor? Because rich people keep doing rich people stuff. You know, rich people stuff is they pay freaking attention.

They learn about investments. They invest that, they do a budget, they agree on spending with their spouse. And IT keeps working, and they keeps doing IT over and over and over and over and over again.

And you know, you can't say, thank god is friday, oh god is monday, and end up anything but broke. Spend everything on the weekend. That's a short sited lack of vision.

You need a written budget. This is why we named every dollar the all the best budgeting APP every dollar because you give every dollar and assignment. You make every dollar freaking behave. You can download every dollar for free in the APP store or google play, or click the link in the description if your own podcast or youtube. By the way, those of you listening to the show write this second.

This is the last segment in this hour before we move to another segment, that last segment, the first segment of the show that's coming up in a few minutes is only available on the ramsey network APP, and it's completely free. But if you haven't download the ramsey network APP, you need to so you can get the third element of the show, third segment of the show every day, video and audio, and you can search IT back call subject, and you can send us an email in all kinds of stuff. So download the ramsey network APP for free in the APP store. Download every dollar APP for free in the APP store. See now you're just all APP up as if you were, uh, apple base or something and you just order .

the emperor .

plant all apps on. Sure, i'm sure somewhere Robert Kennedy just passed out. Okay, a gail and tella hasan florida. Hey abo, what's up?

I um I was just meeting some help trying to get my cousin to be on board with the that snowball. Um we're about seventy thousand in between a car car world and then um like particular and other loans and then um we make like one thirteen together though i've got A I outline budget of how to get IT like we can get this done and probably about you know two years yeah but he just keep like locking me and i'm like why we don't I I don't know why yeah you know.

he told you.

do you know Better than we do? What do you think of this?

He didn't just say, I want to be broke. I'm gonna block you. He didn't say that. What did he say? What anyone to do IT?

I he just when I try to talk him about IT this weekend, his response as well just hand me over the finances and we get separate accounts and i'll pay what I pay at my paycheck and you pay what you pay at your paycheck um so that was like that was the most recent reply okay.

that then he basically he says, yes, we have a problem, but I have a different solution .

than you yeah yeah.

that's different than he's blocking you.

Well.

he didn't .

agree with you and his solution is to then more you like a weird roommate .

situation yeah yeah well.

um so here's the thing. How how long go did you start list ting dar stuff?

I been like a few week.

That's what I thought. Okay, so here's what happens. You came running in all excited with a brand new thing with your hair on fire.

And he went, oh god, he fell for a scheme. She's joined a cold. Did ney, that's why you're laugh. I got you. Yeah yeah I appreciate your enthusiasm.

I appreciate your enthusiasm but you ruined IT yeah so what you need to do is go in and say, hey, listen, I know you apology because you do by the way um you add information that he didn't have and you try to cram a daish throw and you didn't mean to you were just excited, enthusiastic. You found some hope for the first time and you and I don't blame, I am happy you got excited. I'm glad we were able to do that for you.

I also want to do IT for him. okay. And so let's start with, i'm sorry I went out this wrong. I really need you. I know you love me and I know you care about our future, and I really need you to listen to what i've been learning and listen to this stuff and then tell me what's .

wrong with .

IT and then turn on youtube, det free scream .

and turn on turn .

on this segment of the podcast, which will be posted today, and that kind of stuff. And then, you know uh because what he is prescribing there is no data that there's zero research that says what he suggesting works. But in fact, there a lot of researchers that says what he suggesting won't work, but at least he is at least wanting to try something.

Yeah, yeah, yeah. And we've never had everything.

So you to, R, T, T needs to be together, and we need to be together. And I need A, I need you as my man to hear me. And I need us to get a line on where we're going because this is scaring me to death, where we are yeah and separating everything makes me feel like a divorce. I know I don't want a divorce.

Yeah yeah.

And just start talking about this stuff and asking questions and draw him in and because, you know, you just want you, he went up to a water found to get drink. You turn on a firehose because .

you were excited and i'm .

glad you're excited. I don't must understand that that happens a lot though and then if you're not careful, you keep bad IT and you turn my name into .

a cush word OK that's .

the next yeah oh yeah I get caught later over there that and that's that's what happens that happens all the time and so um which is kind of work because very few cold leaders are actually bold. But the um most time have a really nice .

share IT could be awake.

we don't know. But the um anyway the 是 the what will you let me give you every dollar and i'm going to give you financial patient versace for free as our gift and then say， hey, let's open these up and watch one of these videos together and then you tell me if this is right or not. You tell me what's wrong with what they're saying because I, I, I, I got some hole out of this and I got really excited.

This is you talking because hope is powerful, girl is wonderful, and so am so happy you got that. But but he's not a bad guy, and he really doesn't want to divorce he. He just swiped in there. Pretty y heavy on him.

yeah. So I think .

if you back off a little approach, don't take a machine gun into a fishing tournament, right? Let's see our idea here, right? Not spray ay.

That's not what we're doing. So we're actually going to use a little bit of a nice here for ance. You're the wife.

You know what face means? Husbands don't know what that means is usually husband, so you can do this. This is the ramsey show.

Hey, you're still here. What are you doing? You do know that the rest of today is show is playing right now over on the razi network up, right?

All you gotta do to finish the episode is search ramsey network in the APP store, google play store, or just click the link in the shower notes to download the APP or free. You heard me right for free. Then right there in the home screen you can watch.

The rest of today is show about being bottle. All right? I'm get here. Enjoy or see on the APP.