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“>> Normal is broken common sense is weird,”

so we're here to help you transform your life. From the Ramsey Network and the Fair Wins Credit in your studios, this is the Ramsey Show. Today, Ramsey George Campbell, Ramsey personality, number one bestselling author is my co-host today.

The phone number is AAA-825-5225. You jump in, we'll talk about your life, your money. It's a free call. Some say the advice is worth exactly what you pay for it. >> Bob's in Chicago, a Bob what's up.

>> I've David and George, how you doing? Thanks for taking my call. >> Sure, man. >> How can I help? >> So a few months back, my daughter,

and her then fiance approached my wife and me

to discuss moving their wedding up by several months.

We made all the plans, had a date pick, and they wanted to move that forward quite a bit. We disagreed with them, we said, "Hey, we got a date. We got a venue. We got everything paid for our things.

Moving along. Let's keep it there. They didn't like that. They chose to then get married after about two weeks notice. And in a different venue, different state.

And we're just kind of wondering, is it right or wrong for us to ask them to reimburse us for the funds that we spent without a pocket? >> These are non-refundable. They changed at all.

And then you were out that money, and they didn't care because it wasn't their money. >> Pretty much that's the way it deals it. >> How much money are we talking? >> About $80,500.

>> No. And here's why. I've gone through this three times with kids getting married and setting up wedding budgets and all that stuff. And the thing that I had to keep reminding everyone

in my family, including me and my wife, was it ain't our party. We just funded it, but it's not our party.

So the problem is it's not the $8,500.

Your wife's feelings are deeply hurt. >> The whole family is pretty hurt because it was going to be a big family event, all the kids involved in it, and it was taken away. >> Did they, like, a low peer,

were you guys invited to this other wedding? >> We were invited with two weeks notice. So we scrambled, and we got ourselves there, spent a fortune getting there. As we hadn't planned on it,

and short notice and all, but we didn't make it there. >> Where did you go? >> We went to Texas. >> It cost a fortune to go to Texas. >> Well, for us, it felt quite a bit of money.

We probably spent about $7,000 getting all the kids and everybody there. We've got a big family. >> Oh, you pay for everybody else to go. >> Yes, sir.

>> Did they pay for the new wedding? >> They didn't ask us for any money for it, although we had paid for the dress and some other stuff that they had bought already for the existing wedding.

“>> Yeah, I think everybody's mad and hurt,”

and you guys are looking for a way to hit back, and I wouldn't. I think it's a good idea to walk away. And just go, this didn't go the way I wanted to. Nobody's happy except the little bride and groom, they're happy.

And this is not how we want to do it. And the next time I get ready to interact with them on something that involves money or planning or something, I'll keep this in mind. But I'm not going to hit back.

I know I would not. That's just father and in law advice. That's not financial advice. >> I do appreciate that. It's a complicated situation for sure,

and it's certainly like you said there's emotions wrapped up in the makeup. >> Yeah, I mean, if it's at my house, it's my wife that's royally pissed about this. >> Oh yeah.

>> I would be like, yeah, this is inconvenient. You guys are rude. You're being children, but oh well, whatever. You want to get married, and that's good. So you're married and here we go.

And this is in, I mean, I would have been whatever, but at our house it would have been, you know, broadzilla and her mother.

“And so, that's what we would have had to deal with here.”

So, and that's what happened here. >> I don't think they're going to pay you back. >> And I think it's just going to become a low contact or no contact relationship. So the question is, is it worth souring this whole thing

over eight times? >> It's already sourd over eight times. >> And so it's just going to make it worse. >> I'm just kidding. >> I just wouldn't throw this down.

I just let her ride and move on. 20 years from now. It's just be a not funny memory. That's what it'll be 20 years from now. No one, no one, I'm still not laughing.

20 years later, I'm still don't bring it up.

I got stuff that 20 years ago happened.

>> Things everybody knows. Let's just not talk about it. >> I don't, I've got PTSD from COVID. Don't bring it up. It's just like, it's not funny.

It's still not funny. You mask people, you're still not funny. And so, all that stuff. You know, in all that, it's okay. We'll just keep moving.

We're all good. >> Say it on the same planet. >> Say it on the same planet. >> Say it on the same planet. >> Yeah.

Ryan's in Reno. Hey, Ryan, what's up in your world. >> Howdy, Dave. Thanks for taking my call. >> Sure, man.

How can we help? >> Yeah, I have a quick question. So, I read an apartment. I pay about 1,500 a month. My lease is up in June.

But in part of the lease agreement, I have to give notice 2 months in advance.

And basically, my question is, the market rate for my unit is down $100 from when

I originally reached the apartment three years ago. >> You mean there's a, you mean that apartment complex is currently leasing a similar unit for $100 less? >> Correct. So, my question is, should I commit to a new lease for a year and keep paying

what I'm paying? >> No. >> Or should I, should I go month to month and go at the current market rate, which would be $100 less? >> Well, how long you don't stay there?

>> Well, now that's another good question. I mean, I'm planning to stay at least another six months. But they don't do six month leases. >> Well, then your month to month, aren't you? >> So you're saying you'll go month to month.

>> You can have flexibility in a $100 less, your month to month. >> So, that's what I'm saying. >> Yeah. >> And they couldn't tell me when I asked the manager, I was like,

“if I go month to month, would it be what you guys are currently selling for?”

>> Yeah, it will be. >> You don't know. >> Yeah, you got some leverage here. >> Yeah, I can leave. >> That's another option.

>> That is true. >> Yeah, it's just a hassle to move everything. >> Yeah, it goes somewhere else. >> It's not that big, I guess. It's a one-bedroom apartment.

It's your buddies in a six-pack of beer and a pickup truck. >> That's good, that's good. >> Yeah, okay. >> It's not that big of a deal. I don't make it into something that I ain't.

I mean, I would go in there and go, guys, I'm going to go ahead and give you my notice now for June. I'm not going to be here. I'm going to go to month to month. And I'm only going to go to month to month.

If you give me the price, you put up your street price. And otherwise, I'm just going to leave. So what do I want to do? >> Right. >> What do I want to do?

>> Do the make sense for me to pay more. >> Exactly. I'm not paying more than some do walks in off the street. And I'm already in the thing. So, you know, I mean, you sit down and talk to the manager.

Have a nice pleasant conversation. You don't have to be as rude as I'm being. But, you know, you're just making the points that are obvious. And let the message be known. We're going to month to month.

And we're going at the $100 less rate. Or we're going somewhere else. >> And if they're jerks about it,

“that's a sign you should not be staying there.”

>> Yeah. >> Yeah. >> And it's just an apartment. And you know, it's not a wedding. >> That's true.

You didn't want a wedding. >> You didn't want a wedding. >> A lot of the wedding up and cost somebody. >> It wasn't $8500 worth. >> That was $100.

>> But there's a lot of incompetent sort of like the front desk person who can't do anything. And so you kind of have to go above that to someone who can make those decisions. And change the lease. Because somebody will go, it's the policy. Can't do anything.

>> You know, I think we get it in writing. >> Yeah, basically powerless people have the power to say no only. >> And you go, well, I guess they said no. Go beyond that notion a little bit. >> We're not through yet.

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Zander.com. Sarah's in Pittsburgh. Hey Sarah, how are you? I'm good, how are you guys? Better than we deserve, how can we help?

So I am on baby sub number two.

“And my question is, how do I implement it properly?”

If my budget only allows for minimum payments? Um, something's got to change. So your income has to go up, or your Algo has to go down. We've got to sell something that's got debt on it. What do you owe in your cars?

So I made a couple of bad decisions in the last year. A hundred and twenty three thousand of this debt has just, I've just accumulated in the last year.

So I had about, I had a couple of bad decisions that I saw a year ago.

I was in a good financial space. And I had a rental property that needed some work. And I took out a $40,000 key lock so that I could do that work on that property. Um, I also bought a new vehicle, well, a new to me vehicle, a 2023, um, and I owe 28,000 on that. Okay.

And what's your household income? So my household income has changed. In the last six months, I lost my dad, I lost my job, and I separated from my husband. Oh, my gosh. I'm sorry.

Well, so my income is around 75,000. Why do you, I say, you lost your job. Got a new job. Good. Okay. Yes. And how long have you been married?

15 years. I'm so sorry. Okay.

“Are y'all attempting counseling or is this going to end in divorce?”

It is going to end in divorce. Okay. Um, I was going to counseling individually for, um, about five months. I have, I stopped that about four months ago when I got laid off from my job because they just couldn't, um, couldn't afford. Okay.

So the rental property is going to end up on you in the divorce. It is going to be where it's where I'm living now. I moved into the rental property last month. And my husband kept the house that we were in. Okay.

All right. Um, and maybe you all start talking about how things split up on all this.

Um, basically I get my car and my bed.

I get this house and it's payments and he is his. So the 123 is all yours. Correct. Okay, but that's the 40 on the heloc on the house you moved out of. No, the house I moved into.

Uh, it has a heloc on it. Correct. Okay. What's the first mortgage on it? My mortgage is $155.

Okay. And the heloc is 40. So you owe $195 in the house is worth what? $275. Okay.

All right.

“And you make 75 and what other debts have we got then?”

Is the 40 in the 123? Yes. Okay. So, so 40 in 28 is 68. What's the rest of the 123?

I have 54,000 in consumer credit card debt that I have fracted up in the last. Well, 20,000 of it was prior prior to this other financial situation. I, you know, I spent $15,000 on a dream vacation before my family split up. And I was in a financial position then that it wasn't such. Are you making before?

Um, so to get my husband right together. No, what were you making at your other job before you made 75? 80, 85. So you didn't take much of a paycheck? What does he make?

No. 110. What are the children? Yes. I have three children.

What ages? 19, 17, and 14. Oh, my gosh. Okay. All right.

So, so my, let's just put a bracket around this. Let's put a bracket around this. Let's put a bracket around this on the math part. Okay. There's a lot of emotion and a lot of hurt.

And a lot of broken hearts. But the math is, you make 75,000 hours a year.

And you have a house you can't afford in the car.

You can't afford.

“I can afford the house in the car if I didn't have the credit card that.”

But you have the credit card. You know, you really can't. The car is stupid. And so was the vacation. I agree.

I agree. I agree. They were stupid. I purchased them before. I know.

I knew. I know. But to clean up the mess. But you can't. You can't really find it then.

I can afford the car is not something that should ever come out of your mouth. You have a 30,000 dollar car. You make 75,000 hours a year. No.

The problem with the car is I owe 28,000 on it.

And the value is only 25. So. You can't even sell it and get out from other. You can. You come up with a thousand bucks.

Don't pay the credit card for two months to sell the car and get a $2,000 car. Ta-da. We just got rid of. What is the payment on the stupid thing? $1200 bucks.

$6.53. Oh, God. Okay. Yeah. I mean, it's killing you.

You told us so. You don't have margin. So the thing, but cause you've been through this tremendous heartbreak. You've given yourself permission to do things you shouldn't have done. Go on a vacation and buy a car and run up credit cards.

Okay. So we have to say we have to undo as much of that as we can undo. What do you do for a living? Um, I have three jobs. My, my main force of income.

I negotiate leases. And I bring in about 42,000 at that. My secondary income is real estate. And I bring in about 25,000 in that. Selling real estate, selling residential real estate.

Yes, sir. Okay. All right. And then I. I'm even doing that.

Uh, eight years. Okay. So it's time to get good at it now.

“You need to go make 150,000 selling houses.”

I would love to. I just don't know how. Yeah, your raises effective when you are. I mean, yeah, you do. You've been around people that make the kind of money selling real estate.

You've been doing this eight years. You seem to have performers. What do they do that you don't do? So I specialize in not anymore or same home buyers. And not anymore, now you specialize in money.

I specialize in selling houses for money. That's what I specialize in now. You're, you're not, you're not in a position to be niche. You got to go make money. And I want you to go make 150, 200,000 dollars a year selling a bazillion freaking houses.

Instead of selling a house every other month. I want you to sell five a week. You've been doing it part time. So imagine if you went all in. This is, this is you are your miss real estate girl with the glamor shot on our business card.

The whole thing. You got to do something to get your income up. How do I come up with the extra hours to put into it when I, you know, my, my other day job is eight to four. And then I just picked up a bartending job on fire.

“I think the bartending went away and you're going to be in the real estate business.”

Okay. And, you know, and I'm going to start. I'm going to get away from that other day job as fast as I can because you can't pay squat. $40,000 a year. Boo, boo, boo, boo.

So we got to get your income up. We got to think differently about these decisions that got us here. So that we don't even ever say out loud again that there was a good reason for these things. They just were happening during a broken heart time. And I made bad decisions.

And you said that early on. And then you went back and said, yeah, but I need the car in the car's, the car's bull crap. Because it's awful. Get rid of it. It represents a bunch of things about you that you don't like.

I want rid of it. I want it on my driveway. I don't want to look at this thing any more. I want to get rid of it. And I'm going to get in gear and start selling houses like a crazy person.

And that's a good news because you actually have been around the business. And if you know, go get a hold of two or three of the top performers and say, Teach me what you do. Let me join your team and help you with do what you do. I got to make more money and I'm getting ready to put it in gear.

Like I've never put it in gear in my entire life.

This is a fresh start for old Sarah. And it's a clean whiteboard brand new year. Grace, mercy, time to start over. And then you chop up the credit cards. So first thing you do is you pay food.

The second thing you do is you pay lights and water. Third thing you do is you pay the two house payments. Fourth thing you do is you pay the stupid car payment to get rid of the stupid car. And until you do that you don't pay anybody anything. So the credit cards are way down the list.

They don't get paid nothing right now. Nothing. I'm not credit. You don't need credit. You're broke.

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So you can get back on a plan and move forward. Visit whyrefi.com/Ramsy. That's the letter why are EFY.com/Ramsy. Might not be in all states. Today's question comes from Alyssa in Vermont.

I'm in my late 20s and trying to be more organized regarding my finances. Do you think using AI for things like tracking spending and setting budgets is a smart and practical approach? Or should people stick to more traditional methods? Interesting. I have seen some videos online of people using AI to try to help them get control of their money.

But it really does a terrible job when it comes to actually tracking your actual spending. Because it can't pull in your transactions. It doesn't know your life. Here's the thing. AI is only as effective as the data set that you feed it.

And so if it doesn't have the data, it can't crunch it.

“And so you have to build the budget anyway for it to know what to do.”

Or it's cludeless. It doesn't know you can't actually expense it. It can't read your mind. Or it's not a spiritual thing. It's just you feed it to the data set and it crunches it.

That's all it is. And so like we built AskRamsi. Any question you want to ask on the show, which you couldn't get through on the show. So what is the AI tool? We built it.

It's no one else has touched it but Ramsey. What's in the data set? Five years of the calls from this show. And the answers we gave are dumped into the data set. All the financial-patient and university videos are dumped in the data set.

All the books that the personalities and I have written are dumped in the data set. And so it's a pure data set. So it's going to give you an actual Ramsey answer to a money question. It's not going to give you an answer of anything else. How can I even do it with Reddit?

And you can do it with a bunch of crap on the internet. There's no trash in the data set. And that's the problem with trying to do what you're doing.

“Because personal finance, the key to fixing personal finances, understanding that personal finances,”

80% behavior, 20% head knowledge. AI can help you with the head knowledge, but you still got to deal with a person in your mirror. And when you actually take the every dollar budgeting app and lay out and put your budget together, your brain is affecting that. And you're making a commitment to you that this is how much I'm going to spend on groceries.

I'm going to spend on eating out, which is not at all. I'm getting out of debt. This is how much I'm going to do whatever with. And you've made a commitment to you. And so you've began, just by the very act of you putting the number into the every dollar app,

you have began to modify your own behavior. AI can't do that for you. Now, once we've got the, once you've got all the data in there, and let's say you've been in every dollar for two years, are we going to have some AI in the background, helping you manipulate your data?

Yes, not yet, but we will have by the time you get there. Yeah.

Because we actually know your goals, we can help steer you.

Where's AI going to be a little more. It's going to be a little more. It's going to be a little more agnostic. Yeah, I don't want, I don't want, but you don't want a budgeting tool of any kind that auto populates the numbers in the sense of, in the sense of, it just makes up a number.

“There's a lot to spend because you need to look at it and say,”

for me, Alyssa, Invermont, this is what I need to spend on the rent. It doesn't need to auto populate your rent. And when you actually type it into every dollar, you need to go, holy crap, my rent's really high. Or holy crap, I got a really good deal.

Written this grudge apartment out back from this old lady's house. You know, I got a deal. And you're brain is starting to verify your numbers and your behaviors at that point. And so it's not going to help you spend less on door dash.

After you've gotten control and have run a budget for many years, and AI could access that data, it could be really helpful. But when you're starting, I'm more concerned that you learn to control you than you do math, right? Yeah, you know you're spending habits.

You know what's going on. Yeah, so I would start with every dollar for sure. Yeah, and if you're working the baby steps, it's going to give you, it's going to prompt you again, like the Ask Gramsy thing.

It's going to prompt you what we would tell you to do. So if you wonder what George Campbell would say to do, every dollar is going to be telling you, right then, when you put that down, it's going to go, hey, by the way, it looks like you're missing this.

Or you're spending a lot over here. Yeah, what if you cut that back? Looks like you're getting a tax refund.

“You want to adjust that, double your two.”

You know, it looks like you're doing this, and you may not want to do that. It looks like you got to, you know, and we're going to give you some Ramsay input as you're building your budget out.

So it's not agnostic. It's got Ramsay flavor. Right as sassy as I wanted to be. I wanted to be smart. I like that.

We'll dial it up. But digital smart, it's hard to get going. But if I were to figure out how to do it, I'm going to make a lot of money. Because digital smart, it's cool.

People have been asking for the Dave function on Ask Gramsy, where it just spits out the Dave response. It's just like, stop doing stupid stuff. Yeah. Don't do stupid stuff, button.

It starts with, that's a stupid question. But here's the answer. That would be fun. I would like that. I don't want to cry out of that.

None of that's there. And they're not going to actually do it, even though in my dreams, I think it's funny. But yeah. So check out every dollar for free.

Download it in the App Store.

And always keep in mind that when you are doing anything that

doesn't prompt your brain to make a measurement on your budgeting stuff, you're probably off track.

“Because you need to be making measurements as you go along.”

And when you're spending money in marketing, we call that friction. If when you spend money, you feel it. That's your brain telling you. I just spent money.

But if you just like Apple Pay and I have no idea. What'd you pay for that? I don't know. It's on that paper. I didn't even look.

There's an Apple Pay. I just wave my phone and grab jumped in my basket. And it's like that's driving me crazy. No friction at all. Right.

But, you know, some bit, you know, prime, prime, prime, prime, prime, prime, prime. Now it's on 18 cases of totally different. I've got this exception to it. And it just shows up. Yeah.

You subscribe to your stupidity. Yeah. That's it. Regular diet of it. But yeah.

That's the thing. You want stuff that tells you when you're off. Here's an example of that. Okay. Well, we've gone on this.

It's good. It's good subject. When you actually spend green cash with presidents faces on them. There have been studies done. This shows that it activates the pain centers of the brain.

So like you get ready to buy groceries. And you slide two Uncle Benjamin's across to the cashier. Your brain goes out. When you wave Apple Pay, your brain doesn't know anything happened. It doesn't feel it.

Because there's no recognition. But there's something about our brains going, I just freaking spent money. When you use a debit card and you know it's coming out of your checking account right then, versus a credit card that someday I'll pay. I hope I pay at this month.

But I might someday pay it. Right. There's a difference between the debit cards and the credit card. They look just like visually. But your brain is going, you just spent money.

It's using your money. You better have some money in that account when you're using your debit card. When you're using the credit card, you're like, oh, I'll be able to just later. Maybe. For future me.

Yeah. Yeah. Using someone else's to be future me. But yeah. But even the debit card doesn't activate the pain centers like cash does.

Yeah. You want to start spending less money, start spending more cash. You put the ATM. You'll emit your spending because you go crap. Those groceries were expensive.

Well, now it's on trend. You did the cash envelope system 30 years ago. And now the Gen Zers are calling it cash stuffing. They make videos of them stuffing the envelopes with the exact amount of cash. Which it's a great trend.

I'm glad it's coming back. But they're acting like they invented it. I didn't invent it either.

The first time it came up is in 1930s.

Wow.

And you walked out with your paycheck and you broke it up, put a little in a grocery envelope,

“a little bit in the rent envelope, a little bit in this.”

And people have sent me ledgers that they're grandmother and their great grandmother kept with the envelopes in the back of them from the 1920s and 30s. And it was everything was 100% cash. I mean, the number of people that wrote, she had to budget. If you wrote a check in the 1930s, you were rich. Rich people did, I mean, nobody about rich people.

Only the elite had access to it. There certainly was no credit cards because there's no credit cards until the late 1950s up into the 60s. And in the 70s, when the credit card actually took off. So, you know, you go back. So, yeah, the Gen Zers didn't invent it, but I didn't either.

I had the, we actually sell an envelope system in the story. We still got it. Rachel saw. Rachel was wallet has a built-in envelope.

That's a fancier version.

Looks better. Yeah. For that sort of rich people. For Rachel envelope. Future rich people.

It's a good history lesson day. Thanks for walking us down there. That's good.

“It's, it's good to remember if you, that you're managing behavior.”

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[Music] Chelsea is in love with Texas. Hi Chelsea, how are you? Hi, I'm great, how are you? Better than I deserve, what's up?

Good. I was just calling me because I'm looking for some advice on how I can get my husband to be a little bit more comfortable. How I could encourage him to be more comfortable spending money. He tends to put a big value behind everything that we spend on. As if it's wasteful and that sort of thing.

We just said, he's very cheap. Yeah, my wife is cheap. For example, I wanted a five-guys burger for dinner one night and he, you know, joyfully went out and got it for me. And he comes back with a bag from there and a bag from Burger King. And I asked him who got Burger King.

You know, we have two young kids, so I thought that maybe. And he said, no, the burger at five guys was $18. So he got me a burger there and got himself Burger King.

You know, we never, we're not big Burger King people.

He doesn't like Burger King, it's just cheaper. And so he chose. He likes the price, not the taste. Yes. God, yes.

That's hilarious. But at least he got you five guys. He burned down $18 for the gas, driving across down to Burger King. Got it. Yes.

Yeah. We have a six month old and I preheated the oven to start dinner and I went into these baby and put it. I put him down and I come out to the oven being turned off. And he just, he thought I, it was just wasteful to leave the oven on. And I was like, well, it was pre-heating.

And he's like, well, though, much ago, go up if we just leave the oven on. That's all pre-heating, doofus. Yeah. Okay. Wow.

“It sounds like you must have had a childhood where dad and mom were like, hey, it's tight.”

We got to save money anywhere we can. Yeah, when was he wounded? He did have some experiences of the kid. You know, it was like brand new dirt bikes one day and then, you know, Hawaii vacation and then suddenly they can't afford the vacation they're on. And they've, it has to go to grocery store.

And now they're buying food. They're the can't afford to be there. You know, from we learned from mistakes that his dad had made that year. How old is your husband? He's 30.

Yep, this year. Okay. Yeah. I think it starts with saying, okay.

“Being frugal and wise with money is the whole mark of wealthy people.”

At wealthy people are careful with their money. But the Burger King and the pre-heating the oven is just weird. That's not careful. That's just strange. Okay.

So we can start with a conversation with you. Have a natural tendency that's going to cause our family to be very successful. And that is you're going to watch and be careful with money.

The downside is that you're never going to be able to enjoy it.

And you're never going to have the ultimate joy of it, which the most fun you'll ever have with money is when you give it away. Generosity. Generosity. When you put a set of tires on a single mom's car and she's working three jobs and it cost you $1,000.

That's the most fun you'll ever have in your life. When you leave a $300 tip at Thanksgiving for the pregnant waffle house waitress, that's the most fun you'll ever have with money in your life. And you can't do that in the mindset that he's in. He can't do that.

He's bringing more. Let me do that. Well, and so that he actually is a very generous gift. I don't know. No, he's not.

Well, I mean, as he can't even give to himself, he can't even leave the oven on. That's true. Okay. So no, he's not. I mean, he, I'm not saying he's a bad guy.

I think he's a great guy. I think he just has, if I were coaching him, if he were to call me,

“I would just say, you need to have some fun.”

And you need to have some fun.

Because this guy is never going to be irresponsible.

It's impossible. He's never going to impulse a Porsche. No. It's a brain would explode. He just can't do.

He couldn't do it. And I don't want him to. So if I get this guy feeling like he's gone wild, now he's just normal. Yeah. Now he's just a regular human now.

Because I mean, he's just wired up about this. So I want him to enjoy money. There's three things you can do with money. You can invest it for the future. Being careful and frugal.

You can enjoy it. And you can give it to others. That's the only three things you can do with it. Okay. And you should be doing all three if you're healthy.

Spirituality. If you're healthy emotionally and relationally. And so honey, I want us to enjoy the money. I don't want us to be responsible. I'm so happy you're here.

“I'm so I'm always going to be provided for.”

We're always going to have money because you are going to make sure of it.

I'm never going to worry about money because I have you. And you're going to learn to have fun because you have me. I'm going to help you have fun. I'm guessing it's partially why he married you. Oh, yeah.

I'm the one that plans the trips and the. The extra things that we're doing. He's in stuff, but I mean, you're right. He is a. He is responsible.

I feel like I'm responsible to in the sense. But I feel like there's definitely. I'm trying to get out of the way. I'm not saying you're irresponsible. I'm just saying he's hyper responsible.

He is very hyper responsible. I mean, if I if I bought a name brand catch up. You know, he's like, what did we win the lottery? You know, and I'm like, okay. Well, you know, next time you say that, I'm going to hit you with a catch up.

I'm going to smack you across the forehead with a catch up bottle. Yes. He's serious. That's that's so silly. That's so silly.

Do you guys do a monthly budget? You actually sit down and look at the numbers. Yes. We use every dollar. And there's money left over.

At the end of the month, right? Oh, yes. Where does that all go? Um, just to investments. And we invest about 20% of our income.

Um, we make about 250k a year. How much are you having there? And we're honest. Um, we're. Our net worth is about 800,000.

About to be a millionaires in your 30 years old. See, I told you the guy's a great guy. I mean, what are what he's doing is working. But he really has got to dial this back about 5%. We catch up bottle thing and the cut and the oven off thing and the burger king thing.

That's just over in the weird column. You know, I mean, that's just that's strange. Okay. Yeah. And so quit being strange.

I tell him to go to therapy, but I assume he won't pay for it. [ Laughter ] He might have to tell him it's free. I first heard from him. He might have to tell him it's free.

I first heard from him. You may be able to tell him it's free. I first heard from him. You may be able to tell him it's free. Go out of coffee with a friend, but I'd have to buy the coffee.

Yeah. [ Laughter ] To approve of for his own good? Oh. No, seriously.

Yeah. And I'm going to send you copy of Rachel's book. Know yourself. Know your money. And she talks about family of origin.

And it's one of the things that causes people to make the decisions we make. In our upbringing. And Rachel and Winston are a little bit like y'all. Winston's the tighter, more conservative one, and Rachel's the fun girl. Right?

And Rachel really needs Winston, because he's super responsible, and they've got a great net worth.

And they do a great job managing money.

“And they, you know, she teaches him how to have fun.”

He teaches her how to save money. I mean, it's a, this is an ongoing thing that we've been married 12 years. I mean, it's just how they do it. And that's the same with Sharon in the day. Sharon, Sharon, Sharon is the saver.

I'm the spender. And, you know, I'm the frugal owner in our house. So I relate. But I don't go this far. I don't go this far before Whitney comes home with the Heinz catchup,

instead of the, you know, generic brand. But let's see what it's called. I don't know what it's called. I at least try to go, I find what's on sale. And that's kind of how I shop.

Okay. But if Whitney goes out shopping, I don't expect her to live by my standards. Your, your weirdness. Exactly. I mean, your fart cheapness.

There you go. But you know what I mean? I mean, is I forced myself to spend money in the budget. So I've George fun money.

“Oh, and we keep accountable to spend it.”

That's why I asked about the budget. Yeah, we need to put a fun category for Boy child in there. And let him go have some fun. You have to spend some money on you. Otherwise.

I did that.

And we first started with with Sharon because we had clothing envelopes.

We're talking about envelopes. Yeah. And she spent it all on the kids clothes. She said, well, I don't need anything. I don't need anything.

I'll just make something out of the drapes. You know. And I'm like, what do you call it, oh, Hera? I mean, seriously. And so I had to separate the envelopes.

We had Sharon's clothing. Yep. Kids clothing. And you can't spend anything in that envelope, except what the envelope says. So you have to spend this on you.

And she's gotten over that, by the way. Now, she's very comfortable. She's particularly shoes. Yeah. But I mean, she, you know, she's very comfortable buying it.

Isn't this cute? Yeah. It's so cute. Yeah. Come along.

How cute that is. How proud of you guys. That's progress. Well, I mean, that's only 40 years we've been working on it. So we eventually get there.

But yeah, make him have a category with his name on it. And he has to spend it on something fun. And something is irresponsible and wild and crazy. He needs a hobby. And give him 30 bucks a month to do.

Yeah. Make him lose some money on a hobby. And he'll go, gosh, this is actually fun. And he'll start to unwind a little bit from the title. That's a good idea.

That's a good idea, George. That's better than all the other blabbing I did. And the whole call. I'm a man of brevity. Yeah.

Well, you got to rock to it. I can tell you that. [MUSIC PLAYING] Hey, guys, George here. Listen, 99 times out of 100, when people say,

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[Music] Welcome back to the Ramsey show in the Fairwins credit union studio. George Campbell Ramsey personality is my co-host. I'm Dave Ramsey. Daniel is on the line in Salt Lake City.

I Daniel, how are you? Hey, fellas, how are we doing? Better than I deserve, sir. How can we help? Oh, so God divorced about two years ago. Well, separated two years ago, finalized a year ago.

There was effectively starting over financially, pretty much lost all the equity in the house. And I'm 42, I've learned a lot of the basics on, I wound the basics. I've actually learned finance within that point. I actually understand money now, but it just still like I'm too late. It's still like I'm too far behind.

And I'll never catch up to actually retire to decenage with my back still straight.

Yeah. You said you're 40, right? 42. 42. God divorced that 40.

Yeah, and you're income is what, sir.

Okay. All right. And so the house and a bunch of the stuff went away.

“Did you end up with debt also, or are you debt free, but have nothing?”

Are you even? debt free, but have nothing. Okay. Anything in a 401(k) from before? Yes, but it's, well, sold from before, no.

We had all went to her. Well, yes and no. It's not like she kept it. The context is one of the main, one of the main reasons we divorced was she racked up a lot of debt behind my back. Okay.

All right. And so you cleaned out the 401(k) to pay that as she got nothing.

I've never formally had one because I worked construction my whole life.

And I worked for smaller companies that never offered a retirement. Okay. All right. I'm just trying to catch up. So you literally have no debt, but you're, but you're renting a house or an apartment.

Yes. Correct. And you have no debt on your car? Correct. I got a, I mean, I did that smart.

I got a 2010 Toyota Tundra. I just rolled over 251,000 miles and ever broken. I love it. The maintenance. I car will go into the 250.

That's a great car. Yes, sir. Okay. And you're working construction. So that's perfect trick for it.

Absolutely. I'm taking it. I'm taking a promotion. I'm now in the management side rather than the field install. Okay.

All right. Well, here's the thing.

“And the biggest thing you have to overcome is not the mathematical challenge of being”

okay by age 65 because that's a laydown. We can, you definitely are going to be fine. You're going to be a multi-millionaire.

We can show you how to have a million bucks in our nest egg by then.

But easy. Maybe two. Okay. But the biggest thing you've got to overcome is two things. How long were you married?

Well, we were together for 21 years. Yeah. Yeah. Okay. So you're grieving a death.

A broken heart. A relationship that died after 21 years. And with that goes a broken heart. It goes anger. It goes loss of confidence in myself because I let this go on longer than I should have.

The part you played in it that you just kind of turned to blind eye. And then finally you didn't. And all that crap. If you were just starting fresh without any scars on your heart. And you were just 18 years old and all smiles.

We could just turn you loose on the world making 85,000. You go have a bunch of money pretty quick. But you've got to overcome the lack of confidence in yourself and quit looking in the rear view mirror. It's smaller than the windshield. That's called grace.

Start looking forward instead of backwards so much. You know, learn a few lessons that I didn't that I did wrong. But I want to not do those again. But that's all I got from the past. The rest of the past is just gone.

It's past. It's over. Let's go forward. Okay, because George 15% of 85,000 did you run that? I ran the numbers form here from 42 to 67.

You'd be investing a little over 1,000 bucks a month. If you follow our plan 15% of your household income. You'd have 1.4 million. And that's that 10%. If you get 11 or 12, you're talking 1, 6, 1, 7, 1, 8.

And I think you're going to have 2 million dollars or more. That's 65. If you do what we teach and you follow it. So you're going to live on a written budget. You're not going to borrow money.

You're going to have an emergency fund. And you're going to put 15% of your income. Whatever you make the rest of your life away into good retirements and good growth stock mutual funds. Get online. Go to ramsysolutions.com.

Find the smart vester pro in your area that we have vetted. And that we trust and that does stuff the way we teach. And they'll sit down and go, okay, your company has a 401k. You can do this or it doesn't. And you can do that.

And you can do this. And you can do this.

“And you need to be putting aside in your case right around a thousand dollars a month.”

That's about 15,000 dollars a year. I mean, about 15% of your income. And if you never get a raise in the next 30 years, which would officially make you a loser.

Okay, if you never get a raise, you're still going to have over a million and a half dollars.

As with no employer match your whole life in a retirement account. If there's a match and you get raises, it's going to be more than that. But you're going to have to do this as a methodical. It's just every stinking month, thousand dollars goes into something. And I don't know what your mix is, what you're going to be able to put it in.

But we're going to put it in the Roth 401k with a match first. And then we're going to put it into anything with a match second. And then we're going to put it in the Roth IRAs. And all in good growth stock mutual funds. And you're going to have serious money.

And stay out of debt so that you can do that. And when you start dating again some day, and he's like,

But I mean, once you get past this a little bit,

“you're looking for someone that wants to join you in this wealth building venture,”

not suck the marrow out of your bones. And so you can't make enough money when someone's sucking the marrow out of your burned bones to end up with anything but broken even at 42, which is where you are. So you're fine, you can become wealthy. And you're going to have a lot of money if you just simply follow this plan.

But the biggest impediment you have today is a broken heart and confidence that it can be done. Because you're sitting there saying, I don't know if it's too late, you're a 42. You're not even close to too late. If you call me up in your 72, we'll have this discussion. But you're 42.

It's decades to what's happening.

He's comparing his 42-year-old self to his 39-year-old self, who had a bunch of money.

Boy, all right. But life was a part of it. It's not like it's been on gum, but whatever is 34-year-old self.

“What I have now I don't, and now it feels like I'm behind.”

Exactly, that's fair too. You'll hear calls on the show, who are crippling debt at your age, who still have a mountain to climb, cleaning this mess up. And you're an actually in a good spot. Yeah, you're all things considered.

You have a great income. You don't have to talk anybody into this. It's just you. The guy in your mirror is the only one you've got to talk into it. That's the only one I can mess it up.

That's very, that's a lot easier than the way you've been living. You've been trying to push the rock up a hill by yourself. And man, so yeah, that you're going to be fine. So you hang on. We're going to get you set up with every dollar.

“And I'm going to send you a copy of the book that started the whole thing.”

The total money make over with the baby steps and show you exactly what to do next, what to do next, what to do next, what to do next. Once you're building a emergency fund for three to six months of expenses, but you're going to do that in just a few months. And then you're going to kick in on this 15% of your income.

And you're going to retire with anywhere from two to three million dollars at age 65 to age 70.

Somewhere in there. That's where you should land. [ Music ] Finally, mortgage rates have dropped. And you know what that means.

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and select loan types only, and not available in all state locations. In the MSID, 1591, in the MS Consumer Access.org, equal housing lender. [MUSIC] Archon Buffalo, hey, hard, how are you? Hey, David, how are you doing?

Better than we deserve, how can we help? So I got a question. I'm calling the find out if our plan is possible. My fiance and I want to retire, which in the next five to seven years. I'm 42, she's 45, and we'd like to retire early.

Mortgage on to the rest of your life. Travel. We like to travel. We do a lot of travel and now, and that's the plan. We have an RV now.

You know, good. So for 40 years.

I like to travel too, but my God, son.

You're going to do nothing for the next 30 years, but travel. Okay, I can't, I don't recommend that as a life decision. I don't think that's going to make you as happy as you think it is.

“Now, if you want to travel a lot, while you have something that you actually do that contributes to your life”

and contributes to things, that's fine too. But I wouldn't do nothing but travel. Unless you said I'm going to do that for two years or something like that. That's fine. But to have that to be your only plan for 30 years is pretty shallow.

And I can't recommend that. I don't think it's going to make you as happy as you think it is. I'm just going to tell you. Anyway, let's answer your question anyway about your numbers. So your fiance, when are you getting married?

Um, that's probably within the next year.

Okay. Got that tacked down, not at all. Okay. And, um, what how much do you have saved? So I have 45,000 in my order 401.

I've got 10,000 in a high yield savings. 10,000 in brokerage count. I've got 50,000 in cash. I've got a double property that's paid off. Right now, I only have about 45,000 in debt.

What does the rental property produce? 1,500 a month. Man, you don't be on beans and rice. You're not retiring in five years.

I mean, you're going to live on 1,500.

You're going to travel on 1,500 a month. So no, I mean, I plan on obviously contributing more to it in the next five to seven years. Yeah, like five or six hundred grand. What do you make? Together, we make almost 200,000.

Okay.

“If you want to save 100,000 dollars a year for the next five years between the two of you,”

and you get very specific on your marriage date so that you can do that safely, without putting either one of you at risk. 100,000 dollars a year, be 500,000. And then you've got the 1,500 a month coming in from the rental property. That'll produce 50 grand a year, give or take.

So you'd have a 65 or 70,000 dollar income to live on. That's not much traveling. But I guess I can also with her. She's got 240,000 or her deferred count. She got 50,000 in her off.

And I'll also get older. I'll have a money when I turn 60 because we'll security. You're not going to turn 60 for 20 years. And you say you're 42? Yeah.

That's 18 years. Yeah. Okay. The answer to your question is no. I don't think you're going to be able to do what you can accomplish with the money you've got.

If you want to, you're just going to. If you do, it's going to be a very thin budget. I mean, we're talking. If gas prices go up the RV's parked. I mean, I don't know what you're going to be going on this kind of money.

Because we're talking about, you're going to have maybe 50, 75, maybe 80,000 dollars a year to live on. Without destroying your nest eggs that you're building between now and then. And so and traveling full time will eat that pretty quick. Yeah, I don't know what kind of traveling you're talking about doing.

But if that will do it for you, then you could do it. But that's a lot of truck stop food right there, man. That's, we're not doing fine dining here. There's no mission stars involved in this process. Yeah.

And you said you had only $45,000 in debt. And that tells me you've probably been funding a lot of this travel on credit cards with money you don't have. And that part scares me.

“Yeah, I think I would look for a different process.”

And so because I don't think this is them, You don't have the math ready within the period time we're talking about. So what I probably would do is this. I might retool and reset what I do for a living. They gives me a lot more flexibility to where I could travel 30 or 40% of the year.

Work the rest of the time. Not necessarily consecutive time, but take off a week here, a week there, two weeks here, two weeks there. That kind of thing. And the rest of the time I run this business that I start. And I'm making $100,000 a year.

And I keep an income stream going to fund the travel and then let the nest egg build. I think you're going to have a better quality of travel and a better quality of life.

I don't think it'll last for long as the problem.

“You're going to have to go back to work.”

If it does, it's going to be a lot of stuff on the cheap, which will get old faster. And given that you have an income potential for another 30 years, you know, that there's something left out of the equation here. I'm just not comfortable with this. So I'm not, I'm not going to, I wouldn't do it, so I can't tell you to do it. That's, I don't tell people do stuff I wouldn't do.

I can't answer your question. And the question is, you're not really going to have enough money in five or six years to do this well. It's going to be very tight if you do it. And you're going to struggle. And I would rather have a hybrid thing where I'm working less, but instead of not at all.

And traveling less than you have in your mind, but are able to do it in a better rate, a better quality of travel. Get to go places, you know. And you know, it's, that you really did dream about going to see. And it's more of just a downshift. It's there just, um, feels like we're running away from a career.

I'm burnt out on rather than running to something. That's what's bothering me.

“Well, I find that a lot in the fire movement day.”

And it sounds like that's kind of what he's after here. Well, this is not, this is not an angel independent movement. The fire movement's even got better goals than this, though. The goals associated with this are just horrible. I mean, the fire movement is not.

They're a little more clear about here's the number. Yeah, you need a bigger number.

It's always got a bigger number on it when I see that stuff.

It's not, um, you know, it's a seven figure number. Yeah. But they can live off of as a bridge until they get. So they're described people with a fire movement because it isn't what we teach. But it's out there.

It's existed for a long time. And it's called financial independence for tire early. And essentially it's, let's work our tails off. Get our income way up. Keep our expenses way down.

And then invest the margin in non-retirement investments. So that we can use that as a bridge to live from 45, 50, 50, 50. 55 all the way through a retirement before we can access those funds. And some people do it.

“And if you, I think if the later you do it, the better your life is,”

the earlier you do it, what we find is that they either get bored, or they run out of money, or their goalpost changes, and they realize I can't do this. I got to keep going and keep investing. Well, it's very few have done it successfully for their whole life.

The idea of not working is much more appealing when you hate everything you do. Which is a lot of these jobs. And it's unrealistically appealing because I'm now 65 years old. And so my contemporaries, my friends have sold their businesses,

and some of them are the most miserable they've been in their lives, because they don't have anything to do. They travel and they play golf. And they productive smart people. And they travel and they fish and they play golf.

And they're not very good. And they're not having as much fun as they were when they had their hand to something. And they will tell me that often. They're like, "I envy you because you still work." Well, you like the work you do. That makes all the difference.

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H-E-L-P.com/Ramsy. (upbeat music)

Hi, Sarah, how are you?

I'm doing great. How are you doing?

Better than I deserve. What's up? Nice. So, quick question. My aunt is hiding debt from my uncle.

Do I get involved in tell him?

“Quick question and then come to the story that kind of goes along with that?”

No, my parents are like my story. Yeah, I've got a big story. How old are these two? They're in their 60s. They have no retirement.

One is not working on Social Security. My aunt's not working on Social Security.

How did you get into this middle of this?

They took me in when I was a child and raised me. So, they're very much like my parents and their kids. They're very much like my siblings. Are the kids in on the secret as well? Most of them as far as I know.

That's who I've heard a lot of this from and from my aunt herself. Okay. Why haven't they told her? No. Or am.

Because they're, yeah, that nobody wants to be the rat. And now it's also generational. The daughter is doing the same thing for her husband. Hiding that. Okay.

Well, I mean, you got two options.

One is you just stand back and watch this thing unfold. Which is bothering you, I can tell. And I don't know the depth of your relationship. It sounds like more of a mother than an aunt, the way you're describing her. And I don't know how dysfunctional the lady is.

I can tell she's a little bit or a lot, but I don't know how bad it is. So, what would happen if you sat down with her and said, "Mom, what you're doing is wrong, and I love dad, and I'm not going to let you do this to him." So, you have four days till Friday evening to tell him. If you haven't told him about Friday evening, you're going to see my smiling face here at Saturday morning.

I'm going to tell him. I can definitely do that. She has shared some of her dad already with him, but she's hiding some of it because she thinks that he's going to end up controlling everything she has and get really angry and good. Which has happened in the past.

“Well, I think that's probably accurate. Sounds like she needs that.”

Yeah. And guess what, when you lie and deceive and cheat and hard target bags under the bed, then it's not cute when you're 60. It's just dysfunctional. It's gross.

So, yeah, I think he, you know, I don't think he should react any differently. But what they should do is put a game plan together that the two of them both have full transparency and they start handling their money together, and then she can buy whatever the two of them decide together that she can buy, and he can buy whatever the two of them decide together that they can buy, and so that we don't have to return a dog food.

Yeah. Yeah, and that's the proper way of handling this is that not just get mad and become controlling but get mad and go, okay, we're going to control this to the point that you don't do anything except that we do it together, and I don't do anything except that we do it together, and that's the fix for this. But, you know, it sounded like your reaction to my suggestion was that might work.

You tell her, you have a deadline and if you don't do it, I'm going to tell him. Yes, I have been in the middle of a little bit of stuff before where she's tried to hide something, and I said, no, you can't do that, and we won't help you with that, and she didn't talk to me for months. Well, that's okay, too. So I was okay.

I mean, because your other option is just be the rat. Yeah. That's the third option.

“Once do nothing, two is say you have to Friday or I'm going to tell him,”

that's not being a rat, that's being an adult. I agree. And a rat is a sneak around behind her and use information on her against her, and that's being a rat. But just telling the truth and a dysfunctional situation to help clean it up,

that's being an adult. And think about this. Their financial message is going to become everyone's problem eventually. She's already trying to make it their problem, but we're worried about that. And that you are in the middle of this, and say, hey, this is going to affect us.

It's already affecting us. And we can't live like this anymore. You need to talk to us. I love you. And I love that too much to participate in deception and in things that are going to bring you all a part rather than together.

They're going to call you to be unsuccessful rather than successful. We want you to be successful in it starts with you coming clean. And then you guys put together a plan, and I'll coach you and be your cheerleader on how to do that if you want me to. But you haven't told Friday, Mom.

And on the front porch where the cup of coffee with that, and you're going to know what we're talking about.

Yeah.

“And that's just because I'm not going to, I'm not going to be a part of deception.”

That says things about me, not about you. And I'm not going to do that. And I love that too much to, you know, to be a part of something that's hurtful to him. Just to protect you and somehow you're going to corner me like I'm eight years old and I'm a rat. I'm not a rat.

I'm going to dull. And this is dysfunction. And we need to clean it up and when you get transparency on it and alignment on it. So we can work to the forward future that is fun and successful again. Joseph is an Athens Georgia.

How are you, Joseph? I'm good. How are you doing? Better than I deserve. What's up? And so I am 30 years old. I've lived my life very frequently.

And I've tried saving as much as I can. I currently have a mortgage, which is my only debt. And I'm paying that off aggressively. And I'm getting married in about a month. Good for you.

And thank you.

“My future life will be coming in with a substantial amount of debt.”

How much? And I have about 220,000. Good lord. Is she a doctor or a lawyer? I'm she'll be a pharmacist.

All the debt is from being like just for grad school. She paid a lot for her pharmacy school. Okay. So she's going to make 135,000 a year, right? About that, yes, sir.

Yeah. Almost like I've done this before. And she got $20,000 in debt and you make what? It's ringing significantly over the last four years. Last year, I made 450.

Good for you. What do you do? My own a recent company. Good for you. May I love it. Yeah, you're printing money.

And how much do you have saved? It's a high school. Everything together, so up 700,000. And non-retirement is an include retirement. There's about 15 retirement.

And the rest is just stock accounts. Okay.

“So after you get married, you could just write a check and pay off the student loan, right?”

I could. Every time I go to, well, based on based on your teachings,

I would never do that until the day after we get married.

Good. But every time I go to get that order, cell stocks, your things like that, it's hard. Well, yeah, I make you want to throw up a little bit about your mouth. Yeah. Oh, my gosh. It's the buffer that you fill.

Oh, man. I mean, you're in some difficult savor. And we're going to go to the opposite direction at 100 miles an hour. Of course, it makes your stomach come up in your throat. If it didn't, you'd be weird.

Yeah, that's right. Yeah. Now, we got a line on the money values in general. Going forward and over doing this again. And we are, um, pharmacy was always her drain and she actually was on a full ride for undergrad.

And this is all grad school. And she got completely screwed then. Okay. Is all in state? Oh, yeah. She paid double triple.

She should have. Okay, and doesn't matter now, it's behind her. But are you guys aligned?

We're never doing this again for any dream or anything or anything.

I want or never again. I can't do it again. I can do it one time, honey. But if we, if you think I'm going to live my whole life doing this, we are completely aligned on we have no intent to ever have that or anything again.

And she's saying that loudly and with strength and her voice not just going along with Joseph. Completely bought it. Okay. All right, cool. Yes, then that's what I would do.

But I will also sympathize with you that you know, you're going to need a good stiff double shot of bourbon right after you do this. Oh, my God. This is worth it and this sucks. Yeah, this is worth it. She's worth every dime of it and, but man, it's just, that's hard.

You've been working a long time to build this up. You got a lot of calluses, a lot of roof and shingle slung over your shoulder to get to this. And now you get this by the other check and build it right back up. Man, although they'll be there in no time. [Music]

Speaking of things that make you want to throw up a little bit. Tax season is here.

If you want some free checklist and guides that will help you file, go to RamseySolutions.com/Taxas.

And we'll help you with the process. Done cost of thing. I noticed the word was free. Did you notice that? Chris is with us in Miami.

Hi, Chris. How are you? I'm good. How are you? Better than I deserve.

How can I help?

“So, let me give you a little bit of what's going on on 25.”

I just got out of jail eight months ago. She's been out of program. She's been allowing me to work. They allow you to work at the current period of time. So I've been working about six months.

At a car wash or a dealership or whatever. I have a few certifications. I saved up six keys. But I have a debt.

And I saved around 13,000.

I could like, break it down. But that's another thing I have going on. And I mentioned the certifications I have. But it's not like. But I just, I'm kind of lost at finding a career too.

So I'm basically just trying to like invest and change my life around and everything like that. So good for you. Good for you. Yeah. I'm proud of you.

So how long were you in jail? I was in 10 minutes. For what, a felony? Yes. Okay.

Do you want another charge? I don't care if you want to tell me. Fine. Uh. There's an aggravated battery and a grant that photo.

Okay. All right.

“So have you got all that kind of behavior stuff in your rear view mirror?”

Because that's going to be a condition for you to be successful.

I mean, obviously that has to be something we never go near again to be successful in a career and in business agreed.

All right. Of course. Okay. I mean, that's obvious, right? Yes.

Okay. Cool. I'm just going to say it out loud because I'll make sure we're all on the same page. So I'm proud of you, man. Good for you.

So we're going to get a clean fresh start. How old are you? I'm 25. Okay. And you said you're working on a car wash now.

What are you making now? Short tea flat. Chits. Which is. Okay.

All right. Cool. And what do you do to get tips like super dry the windshield and all when they come through the car wash and run around a smile and make sure they get a super extra touch of niceness and you're smiling and they give you a tip. Is that how that works?

“All right. Yeah, basically. Yeah, lots of energy and eye contact and smiles and people skills, right?”

Yes. That's a good thing to practice, by the way. That works in the board room. That works at the car wash. That works at the table when you're serving in a restaurant.

That works just about anywhere you go. Okay. So that's a good thing to work through. Those are soft skills. Yeah.

Exactly. Now, um, is the plan to continue to work there and for a while or what's your plan right now? Um, the plan, because I could be leaving the program. Previously in June, latest in December. If I get the extension of 10 now is.

Because save as much money as possible. I'm around. I'm at 6,000. I want to leave with 10,000. Good.

So the plan now is to save as much as possible for when I have to pay rent. We'll start living on my own and find the career. Like, I can't even just let enough. Yeah, good for you. I don't.

I like that a lot. Okay. What are you thinking about doing as a career? Hmm. I'm not sure.

I can tell you the couple of certificates that I have. I have a certification in OC10. I could join the union. Be a little bit. I heard that's a good thing.

I have a fourth list certification. And I did got certified in being a personal trainer. I had an interview. I didn't get the job. The people at the program are telling me this to keep going and keep in state positive.

So those are the three certificates that I have right now. Okay. I have experience in other jobs, of course, but it's like on the short term. On the short term, I like the welding and the forklift. Because you're probably going to make 30 to 40 bucks an hour either one of those.

And the personal trainer is going to take a while to build a book of business where you start making a living. That's like a night to the weekends. That might be something. That might be my side hustle. And I practice some of those soft skills we're talking about.

And, you know, you're interacting your people skills and so forth while they're. Meanwhile, I'm driving four collect 40 hours a week, making 30, 40 bucks an hour. I'm looking for that right now if I'm you. So the threat. The good news is welding and anything that trades where you're driving something.

Those kinds of things. There's a shortage of help right now. And it's a really good job market for you. So if I'm you, I'm going to start really looking for those two things right now.

You're still in the program. But I want to know 16 people that are hiring for cliff driving within a 30 mile or 40 mile radius. If you're going to stay in the Miami area.

“Or if you're going to move, you know, up into Fort Lauderdale, where are we going?”

Where are we going to get that kind of a job? The good news is I think big metropolitan market there. Huge market, one of the top five cities areas in the nation. And so lots of things happening there in commerce and welding and in pork lifting. So I want you to go, you know, practice those interviews a bunch of them and stay positive.

And anybody you can get a connection to that'll give you a chance and give you a job.

And then when you get there and you land that first position.

It's very important that you become the best employee that company is ever had. They are so proud six months from the time they hire you that they gave you a shot. Because you're early. You leave late. You work hard while you're there.

You're accident free and careful. You're kind to the people around you. You don't stir up crap. You get the work done and help everybody else get their work done.

“You're like a dream come true of an employee.”

That's your job. It's not just to do the job. You got to do the job plus everything else so that everybody's happy.

They gave Chris a shot at his new life.

And you know what will happen then? Five years from now. You'll own the forklift company. So a friend of mine owns a forklift company right now. He doesn't have any branches where you are.

But they're in seven cities hundreds of millions of dollars. His father bought the forklift company. But he started as the janitor. And worked his way from janitor to driving to management. He bought the forklift company his dad passed away a few years ago.

But he mind runs the whole thing with his brothers and that's your future. That's your grandkids we're talking about.

“But he starts right now with Chris changing his life.”

That's where this can go.

And it can start with something as simple as you're the best employee they've ever had. And by the way start practicing that the car wash today. That's what I'm talking about. Everybody that's around you that's negative stay away from him. Everybody that's around you that's positive.

You're going to become who you hang around with. When they're smiling and they're happy and they're grateful for the job. I'm grateful I got a towel in my hand. And I'm not in the jail. And I get to clean this windshield right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now.

And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. And I'm the happiest human being that's free on the planet right now. My question is a financial question and I guess a spiritual question.

Okay. I was raised to respect both my parents when my parents got divorced when I was nine.

My dad never let me speak ill of my mother.

He passed away in June. She's still alive. And she's going through struggles right now. And since December, we've come out of pocket almost $13,000 to pay for things for her. And it's starting to put a dent in our savings and our planning. And I'm wondering where that line between respecting your parents and putting yourself in jeopardy.

Where it ends? Well, you're good, man. You take after your dad.

“So what is your mom gotten herself into this $13,000? What's the deal?”

Well, she went into the hospital in December with a illness. She got out. She retired from her job 52. And instead of taking the life-liked cycle of pension from her company. She took a cash lump sum option and she spent all that in about six years. How old is she now?

She's 76. Okay. So she's been living off a social security in any amount of money that I've been able to provide her. And medically. And yep. And that as well.

And so the $13,000 was what Medicare didn't cover on the hospital stay. So 13,000, we're trying to move her up to the rally area where we're at Florida. So we've, we've tallied up how much it costs for the U-Haul. She's in the hospital again down in Florida. So we tallied up like U-Haul's flights, doctors, because it's that they weren't covered.

So yeah, it's starting to become kind of a-- Okay. So she's currently in the hospital. So the $13,000 not happened yet.

“But that's what you think it's going to take to move her and clear up the mess.”

Although it's happened already, yeah. That's what we're at so far. Oh, but then it's so there's more to come if you move. Yes. Correct. Okay. And so she own a home there.

No, she's no sir. She's been written since she moved to Florida. What's her social security every month? Her income. Around 2100? Okay.

All right.

Well, um, so, me pan back just a second, and then we'll come in and actually work on the mechanics of how you can actually help her, okay?

But let's pan back from the thing of honor, your father, and mother of the Bible says. Um, that does not mean that we honor Dad doing cocaine. Okay. It means that we honor the position of father, not the misbehavior of the individual who holds the position. It's the same as when we pray for our leaders. We don't necessarily have to like them personally or their politics, but we're still supposed to pray for our leaders.

Pray for the president, right? And so I'd agree with almost nothing Joe Biden said, but I believe in praying for the president. So I prayed for Joe Biden. Okay. You follow me and then you go, you go with everyone to go with that. The same thing's true here.

So we want to be honoring of the position of mother, but that does not mean we participate in dysfunction or allow it or enable it or something along those lines. So having said that now, how does that play out in your situation?

“I think you're already on to it. What do you guys make a year?”

Um, we're about $250,000. And how much money do you guys have saved in your next deck?

Uh, close to $2.2 million.

Okay. So you don't have a financial problem due to mom. You have an aggravation. And it's an aggravation as well as, um, you know, a lot of our, our short-term savings where you know, you build up, uh, $2 million shut up. The next paycheck will refill that.

No $13,000 is not a problem. Okay. We'll figure this out. All right. So, but having said that, so you're really not going to go hungry because of this, but we've got to but something reasonable. So I would move mom up there, write a check.

Honestly, if I got $2 million, I ain't no you all involved. I'm paying somebody else to do the move. But you do whatever you want to do. I'm not, I'm not taking my pick up down there. But, um, you do whatever you want to do.

So, anyway, I'm going to get her up there. Get the hospital bills cleaned up. And then say, okay, mom, you are dependent on us to be able to exist. So that means I am now managing your budget.

We're going to put you on a budget to live on that.

We're going to find you a one-bedroom apartment that you live in near us. So you can come over and see us on Sundays. And after church and we can have dinner. And whatever, and you're going to be in a nice little apartment that you can afford on $2,000 a month.

I'm going to manage your medical events with Medicare. And mom and I, my wife and I, we're going to help you a little bit here and there. As we need be, but this is not an open check book. We're not in Congress. And we're actually going to manage this thing.

“And you're going to live on what you have to live on because you spend all your money.”

And, and then I'm going to help when I have to. But I'm not going to help because you miss behave. So mom, I'm going to help you with this budget. And you're going to have this much for food.

And you're going to have this much for lights and water.

And we're going to pay your rent. And you're going to have, is she still driving? Yes, she's capable of driving. Does she have a car? Yes, she does.

Okay, so we're going to keep the car up. We're going to keep insurance on it. You have to pick gas in the car, mom. And so you're going to live on that. Which means you're going to have a fairly meager life.

But that's what you signed up for in this process. But I will make sure that you're not homeless or hungry. And that's the road we've been on. We got the apartment two weeks ago. We moved her stuff up from Florida last week.

And unfortunately, during the packing process,

she had to go to the hospital and expect to be so. Yeah. Yeah, but that's that's. You know, and so you've got X number of years. To manage the relationship.

And the mathematics. And that's the way you won't honor your mother. But that does not. But it is not honoring to her. For you to open up a checkbook.

And she gets $10,000 a month to blow. Yeah, I disagree with that. Yeah, nor were you planning to. Yeah, you weren't that what do you call. But yeah, I'm just, I, my point is this philosophical thing.

I hear sometimes people say in the name of honoring my father and mother. I'm going to justify my enabling. You're not doing that. You're not wanting to do that. But I'm for everyone else listing. I'm trying to put that out there.

That is not what the Bible means on that. And so, uh, nor what your dad meant. That you were to not speak ill of her. And you have done a good job of not speaking ill of her. You gave facts of things where she's messed up.

But there was no drama in your voice. You just got this thing. I'm carrying. And I want to be a good person and be kind to my own mother. And that's good.

“You know, you should make sure a good guy.”

Yeah, you're there to make sure she's not homeless. Prevent the catastrophe. Yeah. But you're not there to also make her super comfortable and have a lavish lifestyle. And so, there's a balance there.

And I think that boundaries is hard to set when it's your own mother and father. But I just think you say, this is what it is. And she doesn't have a lot of choices. You don't get a vote at this point. Yeah, she's the life she saved up herself.

Because she started taking my money. When she started taking my money, it's my vote. And so I'm now I'm going to help you. And I'm going to love you well. And you may or may not like the process, but I'm going to love you.

You're going to protect her from herself at this point. That's the way you honor her. [Music] Hey guys, Dave Ramsey here. Every day on this show, we help people work through real money problems.

And figure out what to do next. Now, you can get that same kind of help. Anytime with Ask Ramsey. Ask your money question and get answers built on Ramsey principles we use on the show. Whether you're making a decision or just want something explained, ask Ramsey is here to help.

It's fast, simple, and free to use. Go to RamseySolutions.com and try Ask Ramsey today. That's RamseySolutions.com. [Music]

“Bill is in Rochester, New York, hey Bill, how are you?”

Good sir, how are you doing? Better than I deserve, what's up? Oh, I wish I could say that. I retired at the beginning part of the year for the January 1st Brumar job.

I'm doing a full time, but it looks like I'm going to be making over the threshold for social security

administration to start taking back some of my income through the real estate.

“Oh, you mean not taking back the income, you mean taxing it?”

Correct. Yeah, with the tax at 50 cents on the dollar. And I'm just wondering, by the money ahead of the start of coming in from social security, do I cancel the claim and just stay with the real estate? Or do I keep that social security as security blanket, but then I'm going to end up paying a lot of money

if I do as well as it looks like I'm going on. You've already claimed it? The claim is in. Okay. But it hasn't started yet, they lost my paperwork.

Oh.

So, well, if there's a way you can back out of this because of that, that's the way to do it, because once you start, there's no stopping.

So, how much, how much you make in the real estate business bill? Right now, this year, I haven't made a lot of like 700 bucks for one deal, but I've got one that's close under contract. My listing goes live this weekend. And I've got two other ones that I can say, how much do you think you're going to make in the real estate business? Well, at least $30,000.

Okay.

“I don't think $30,000 is going to break the means test, does it?”

$24,000 is the same. $24,000. Okay. And the taxes that they tax half of it, but they don't, the tax is not 50%. Half of your Social Security becomes taxable, which is 30% of half or 20% of half.

Okay. So, what, how much is your Social Security supposed to be? $1,800 a month. Okay. So, $1,800 becomes taxable if you break the means.

Is that right, George? Is that how it works? Yeah. I'm looking at the table here. It's up to 50%.

If you're in a 20% tax bracket, that means 20% of $1,400. So, $280 a month. So, $3,000 a year is the tax bill. We'll be. And then I can make.

You can make whatever you want to make. Oh, I thought it was taxed on how much I make over the 24. No, you said 50% of the Social Security becomes taxable, right, George? Yes. So, under 25K is 0%.

Is that 25K up to 34K is what's taxable up to 50% of the benefits? The 50% of the benefits become taxable. So, if you go make $100,000, are you going to make $70,000 in a real estate business? $1,400 a month becomes taxable, right, George? Yeah.

Okay. And if your tax bracket is 20%, it's your tax amount on $1,400. 20% of $1,400, which will be $280. Which is about $3,000 a year. So, I don't think it's going to be as awful as you think it is.

If you continue this. That's my point. Go make a bunch of money.

And it's -- I'm also seeing you can withdraw the application within the first 12 months.

So, I think you're still good. If you don't need it right now, and you want to work, then don't take it. Yeah. If you're going to go make a bunch of money, and you don't want to deal with this, that's fine. But my point is, it's mathematically not that big a deal.

Don't miss out on making an extra $40 or $50,000, because you got $3,000 in taxes if you do. That's not -- that's not -- that's not -- We're stepping over dollars to pick up a nickel. So, it's not worth it. Don't -- don't -- don't let that be a D motivator till you.

“So, if you want to pull it, George is saying that he's reading up on it right now while we're”

on there, I don't know this. But he's saying, "Well, you can pull the app up into the first 12 months of pull it. If you want to pull it." But otherwise, go to your tax person and sit down and make sure the calculation I'm doing in my head on the air is correct, because I could be screwing this up.

It's possible. But if I understand right, if you sit down with one of our tax pros, go to Ramsey Solutions dot com. They'll tell you what it is. And you can figure out exactly what it's going to be.

If it's what I think it is, though, it's about $3,000 a year. If I understood the deal right, if you go over $40,000, say, if you go make $40 or $50 grand, it's going to create an extra -- our taxation on half of your social security becomes taxable. And if you're in a 20% tax bracket, then that would be 20% of $1,400,

So that's how I'm doing the math.

“But if I'm case I'm messing it up, don't check it with a professional.”

And then you can decide what you want to do, whether you want to pull the app or not. I'm pretty sure that's an accurate thing that you can pull the app up to 12 months. Yeah. And it sounds like it hasn't even gone through yet. Yeah.

So that's what you're fine. I'm not super concerned about that. I doll it back and not fool with it if I were you. Because this real estate stuff could take off. Yeah, sounds like you got it up.

Sound like you're fooling around and making some money. That's all I need is. Fun. That's cool. I like that.

Andrew is in Indianapolis. Hi, Andrew. How are you? Hey, David. I'm doing well.

How are you? Better than I deserve. What's up? That's good.

I have a question about some student loan pay off strategies.

I currently have about $107,000 student loan debt. Good. Lower. You a doctor or a lawyer? I'm a software engineer, but I had a stay on my loan.

“Do two co-center bankruptcy and interest racked up on a private loan.”

It's a private loan. Very important. Yeah. Yeah. So about 135 of the private loan.

And then around 30 years or so is this federal? What are you making now? 1, 7. Oh, good. Okay.

So when we get through with a call, I'm going to put you on hold and Christian. Our phone screen is going to pick up and put you in touch with the why I don't want to put you in touch with me. I want to put you in touch with me. I want to put you in touch with me.

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