The Ramsey Show - App - A Crappy Situation Involving a Septic System & a HELOC (Hour 3)

Episode Date: May 12, 2023

Dr. John Delony & George Kamel answer your questions and discuss: "I feel resentful of my husband", "Should I get a HELOC for a new septic system?" "My mom is asking me for money even if I have to go into debt", "What should I do with my crypto investments?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Девочка-пай Live from the headquarters of Ramsey Solutions, broadcasting from the Pods Moving and Storage Studio, it's the Ramsey Show, where America hangs out to have a conversation about your money, your relationships, your mental health, your life. I'm John Deloney, joined here by George Campbell, and we're taking your calls on everything. Whatever you got going on in your life and you need some help, you need to know what to do, the next right thing.

We got you. 888-825-5225. That's 888-825-5225. And I know there are people driving their car right now and something just popped into your head. Something going on with your mental health, something going on with your kids at school, something going on with your spouse, something going on with your money. Give us a call. 888-825-5225. We'll change your name. We'll change the state you're calling from. We'll protect your identity best we can, but give us a shout because

I promise you, whatever you're experiencing, whatever questions you have, other people, millions of other people are experiencing that same thing, so your bravery can help other people. 888-825-5225. Let's go out to Shauna in Vancouver. What is up, Shauna? How are we doing? Hi, John. Hi, George. I'm so nervous. Hey, we are super nervous too, especially George, because I'm uncomfortable to co-host with. I'm so scared. Exactly.

You're safe here. You're good. You're safe here. What's up, Shauna? Okay. So my husband and I, we never separated, but he left nine years ago. My one daughter got a brain tumor. My other one was diagnosed with type 1 diabetes.

And the house was a bit stressful. So he left, but he was involved and stuff. He didn't live too far from us. And it's been nine years. And we had a discussion about us getting back together and moving back into our house and staying in separate rooms while we build our relationship and one of the um one of my main things because we thought about money so much was he had to do financial peace university with me which it's been two months and still hasn't, and bought a $70,000

truck, and I just paid my car off. And I'm feeling super resentful, and like there's no, you can't have a conversation because he thinks it personally like he's an attack. So I'm just wondering what to do. Sean, I can hear it in your voice. Know this. George and I are heartbroken with you. This is hard.

I can hear it in your voice. You know exactly what's happening because you have been on this exact roller coaster before right and for whatever reason whatever story he told whatever picture he painted nine years later you're exhausted you've been creating a warm sustainable home for two kids who are going through hell. Four.

Four kids, two of which are going through hell. And then he waltzes back in. My guess is his lease ran up or he lost a job, but that's a whole other conversation for you and I. He didn't lose a job, but he did need a place to stay. That's exactly right. So it was his idea to say, hey hey what if we tried to make things work and i well it was it was both of our idea like he was he was changed like a different person and i mean

my kids are all adults ish now i've got two graduating this year and they were like super excited and then once he moved in and we set up boundaries, because I'm a big firm believer in boundaries now. I wasn't in the past. He took it very personally and basically doesn't speak to us. And we did have a very peaceful home, and I have my own business that I run with my older daughter, and we do very well. He needs to go.

And you know that. Tell me if I'm wrong. He violated the promise that was made to you. You're not wrong. So if you're calling for permission, yes. A little. But listen, here's the part you can't skip over that you've skipped over for 10 years.

You have to intentionally enter into a season of grief for the husband that gave you four kids, and when it got hard, he quit. and after you did a decade of back-breaking work, he waltzed back in, and you said, hey, this time it's going to be different because this is my house now, and this is the family that I have held together, and this is the young kids that are now adults that I have had to raise mostly on my own.

They got to come play at your house, but I raised them. So here's my boundaries. And he's like, okay. Because he's a toddler in an adult body. And then you've said, hey, this is really important to me. And this is a condition of you coming back into this house. And he said, okay. And then he spit on that conviction with a $70,000 truck. Yeah, that's about it.

It is. And let me tell you, I'm heartbroken for you. He's not on the phone, so I'm not going to talk bad about him anymore. I'm sad for you because you let your heart believe again and it got hurt again by the same guy, right? Right. I'm so sorry. Shauna, the thing is he's a really good actor and he's going to convince you that, I know I made a mistake, but honey, this time it's going to be different. I'm willing to do whatever it takes. I want to be there. And then he's going to let you down again and he's going to violate your next promise. And want to be there. And then he's going to let you down again. And he's going to violate your next promise. And so right now, there's no way to build trust when he's proven himself to be untrustworthy with a pattern of behavior. Right.

And so you need to say, you got to go. And I don't know if this is ever going to work, but right now, for sure, it's not. This is going to be a brutal conversation with your kids. I know that because they have a picture that mom and dad were always going to get back together. And your husband probably told them for the last... Well, it's actually my kids that have been like... Are they done? Yeah.

Wow. Look at... Hey, mama, you raised your kids, right? You raised your kids well. Right? I have four amazing children. Yeah. Here's what I really want you to do, okay?

Mm-hmm. Two things. Number one, I want you to reach out to my friends at BetterHelp, okay? You can go to betterhelp.com slash Deloney, and they'll give you a discount. I want you to talk to a licensed counselor because you've been through a lot the last decade, and this is hard, and it's exhausting, and it's lonely. The second thing I want you to do is to reach out to one or two girlfriends in your area. Do you have a couple of friends that you trust with everything?

I do. I have really good friends. Okay. Would you take them out? Because again, George and I are two knuckleheads on a radio show, okay, on a podcast. And so it's easy for us to lob grenades. We're getting one side of a story, all that stuff. Well, you guys do help me get through my day.

I just want you to know that. Well, you help us get through our day. So we're grateful. But listen, I want you to take those girlfriends out. You buy the coffee and the bagels. I want you to tell them all that you're experiencing, all you've gone through the last year. And ask each of them, what do I do next?

Hang on the line. I'm going to send you a copy of Own Your Past, Change Your Future, my number one bestselling book about almost this exact moment. How do you deal with the past and ask yourself that haunting question, what do I do now? And it gives you a path forward. Thank you so much for the call. This is The Ramsey Show.

We'll be right back. What up, what up? This is John and George Campbell. This is the Ramsey Show, 888-825-5225. We're taking your calls on money, your mental health, life, whatever you got going on. Give us a shout, 888-825-5225. Let's run out to Chicago and talk to Joshua. What's up, Joshua? Hey, what's going on,

man? How you doing? We're partying. What are you up to? No, not a whole lot. I feel for Shauna, the last call, man. I feel for her. It hurts, doesn't it? It hurts, doesn't it? Yes, it does. You're a man of integrity, and it's hard to hear somebody get treated like that, isn't it? Damn right. Yeah.

I just want to say thanks to all you guys at this show. Appreciate you. Long time listeners. You guys do, for everything you do for everyone around this country, I appreciate you. I'm grateful, my brother. I'm grateful. How can we help you, man? Okay.

I got a little bit of a pickle, man. My wife and me have been married for 17 years. We've got four kids we bought a home nine years ago in granger indiana right well the septic should never have been passed okay on the inspection yeah all right my brother-in-law is a septic guru. That's what he does. He works for SafeSeptic. I'm going to throw a plug out there. It should never have passed, but it happens. He says it happens all the time.

They pass it for a year, however. Either way, that ship has sailed. We tried to contact a health inspector. We had six months. And had I known then, I'm 40 years old, had I known then what I know now, I've done a little more digging. Okay, so it's done. The septic is done, 100%.

All right. What's it going to cost to get a new septic system? $50,000 to $60,000? It's going to be about 30 probably 25 30 thousand dollars okay it's not all right okay but that's a deep cut that's taking six feet of earth the entire length of my field system out with x amount of dump trucks and bringing that same amount back with gravel sand blah blah that's right and you got to collapse the other system at the front? So there's an option of putting it in my front yard, which is my baby. I mean, I've worked hard to fix my grass.

That's my baby. I love my grass. Joshua. Come on. All right, manning his grass. So what's your question? My baby. Yeah, so what's up?

So my question is. Don't take out a loan to do this, if that's what you're going to ask. That's my question. Okay, should I refinance my home? Don't take out a loan to do this, if that's what you're going to ask. That's my question. I'm telling you, should I refinance my home, which makes no sense. I'm at a four. I'm locked in at four. We bought it years ago.

Well, it makes no sense for a whole lot of reasons. The interest rate is just one of the smaller ones for me. They're stupid right now. So, Democrats, I mean, I get it. But I can i can like a heloc if i did a heloc because i don't have that cash on hand we've been throwing so much money at the house how much money do you have right now yes yeah i mean liquid cash to your name things you could sell whatever uh probably eleven thousand dollars okay Do you have any other debt other than the mortgage?

No, sir. Well, we have my truck. I only owe $4,000 on that. I bought it two and a half years ago. We've been triple payment it. What would the truck sell for today? Oh,

probably $25,000. Ta-da! Now you can go to the bathroom in peace. I know you're not going to sell that. Let me guess. You need the truck. You're not going to sell that truck. I know, Josh. I love my truck. I've been blessed.

I know, but you love your grass and your truck, and pretty soon you're going to love not going to the bathroom indoors. I know, man. You love your family more than you love the truck. I've got a promotion at work. I make it excellent money. How much do you make? What's your salary? Well, for this,

I make $115,000 a year. Josh, hey, if you ever hang your head on $115,000, George and I are coming. I am blessed. The Lord has blessed me. That's amazing. Joshua, can the septic system wait two months?

That's my question too. Okay. You're a financial math guy. Okay. I'm good at math, but okay. Let's say if, if, if, if my, my brother-in-law can pump my septic, I basically have an 1100 gallon tank in my backyard. That's it. With no function. So two months it's full so if i did two months at 260 a pump that's 130 a month if i just rolled that out for a couple years and just started stacking cash away wouldn't that couple years dude i'm talking about having this thing paid for in cash within a few months which which means you're living off of nothing. We're selling everything that's not tied down

and we're getting done with this. But that's my question. Does it make more sense to just pinch it, baby, pinch it? No. Here's what I would do. That's a funny thing that you said, referring to your septic system, number one. You get by with what you can do until you have the cash to pay for it in full. That's it. I would pump it for two months, a maximum of three, and I would take that $11,000, and we would stop paying 50x on my truck, stop paying extra on the mortgage,

stop going out to eat for three months, and I would scrounge together another $10,000, which you can do on your salary. You have no debt. Okay, now let me throw a hiccup in this amazing ball we're putting together here. Okay. I work in the RV business. Okay. Okay. It's a very bad time to be in manufacturing because of the Democrats, okay?

It's very, very bad. Listen, Josh, how long are we going to blame the Democrats for our freaking septic system? Oh, well, I am always going to. Bro, bro, listen to me. I'm not blaming. Listen to me. You sell the truck for $25,000. You owe $4,000 on it, correct?

That's $21,000. You get a beater truck, and with the rest, you add to your $11,000. You have a new septic system next week. And then you save up for the next three to five months and buy yourself another truck. Ta-da! You can poo in peace! The Democrats have nothing to do with this. Yes, they do.

Well, okay. Bro. Hey, don't! What? Look in the mirror, Joshua. Who didn't look into the septic system issue? Listen, I have a potential two-month shutdown coming. Hey, that's actually fair.

That's fair. I'll give you that. I'll give you that. I'll give you that. There's no order. So then what do I do? If I spend my $11,000 to my name, I might not be able to buy food. Okay, but brother, listen. If that two months turns into five and you've put your house on the block for a septic tank,

they're going to take everything. True. Okay. Don't do that. Very, very good. I got you. I read you. Now, I think you are right to be worried.

I am worried because I don't know what my next, it's great. No, no, hold on. Listen, listen. The bottom could fall out at any second. I know, but what you're doing is very common. I've done it too. When I get anxious about one thing, I put all my energy and start making wild decisions about other things. The thing I can't control in my life that scares me,

I just start running and trying to find other things I can control. I can sign up for this. I can get this. I can double down on this. I can move this dead over here to this thing. And I create a chaotic mess. And interestingly, I make my anxiety infinitely worse. If I'm you and I'm staring at a 60 day, I'm making no dollars. My life is shutting down financially. Potentially 250 days. I mean, it could be. Sure. So here's what I'm doing. I'm getting a job tomorrow. And you work too hard. I'm a hard worker, but yeah. I know you are.

You know what I'm saying? I'm in the RV industry. The industry is completely done right now. Okay, then get out of that industry. If Dave came in here and said, hey, we're not getting any more radio ads, y'all aren't going to get paid for the next two to six months, I wouldn't work here, man. I'd be at the Apple store

slapping phones. Around here, it's $17 an hour somewhere. You know what I mean? You know what it is? You know what? That's $17 an hour more than you're going to make.

Yeah, I know. Listen, here's the deal. Here's what I know for certain. The data tells me that job loss, the body experiences job loss the same as losing a loved one. And I want you to reckon with the fear and being scared. And then I want you to remember this phrase, facts are your friends.

I will not put my house on the block for what might be a six month issue I won't, I won't put my family in that kind of disorder I'll go work a job that is way beneath what I think I'm worth because I'm that kind of guy well why tell my kids that I know, hey don't tell them anything

let them watch it I shield them from all the scariness of my industry don't, don't shield them. Sit them down and say things are really scary, so dad's going to have to do some different stuff. Don't shield them. Don't lie to them. Show them. Things got really scary, and here's what I'm going to do next.

That's a gift. We'll be right back. This is the Ramsey Show, 888-825-5225. Let's go out to Taryn in Phoenix. What is up, Taryn? How we doing? Hi, how are you guys? So good. How are you? I'm doing good. Excellent. What's up?

So I have an issue, I guess, with my mom and our relationship right now. I currently live with her, and I'm 20 years old, going on 20 this year. And I'm also in school. I'll be moving to Georgia to go on campus in August. And so as of right now, like I said, I'm living with my mom, and occasionally I do help pay some of the bills like the Internet or occasionally her phone bill because right now she is out of a job. My issue is she gave me a letter yesterday stating how she is

upset that I don't contribute more financially even though I don't make that much money and she's wanting me to contribute to the rent. The issue is she's wanting me to use my credit cards that I don't use anymore. But she's aware of the credit limit. And so she's like, well, why don't you just use them and I'll pay you back. But I feel very uncomfortable doing that. And she's upset that I'm uncomfortable doing that. So I don't really know what to do because she's needing help to pay the rent this month. So I don't know what to do in this situation. Yeah. Do you have a job, Taryn? I do. Where do you work? I work at a dialysis center. Okay. So do you have money in a checking account somewhere or a savings account?

Are you saving all that money for tuition? Where's that money going? I have savings. I use the budgeting app that you guys use. And most of that money is going towards me moving to Georgia since I am moving across the country by myself. And some of it will be going towards my tuition for August because I'll be needing to come out of pocket for that. Excellent. So that's where the money is going, and I just don't want to dip into that because I'm going to need it in less than two months. Yeah, of course. Why can't your mom get a job?

She's in the medical field, and out of preference, she just doesn't want to get the COVID shot, and a lot of the jobs are requiring that. So they're not accepting her because she's not getting the shot, which I understand because I don't have it, but it's not required for myself. Well, I'm all about standing on principles and values, 100%. But when we stand on principles and values, they often come with consequences, right?

Right. And so a byproduct of that consequence is now she doesn't have any money. And the thing is, like my job currently is short staff, so they're hiring, but she comes up with excuses. That's right. That's what I was getting at, Taryn. Yeah. So here's the thing. Anytime a 20-year-old or an 18, 19, I'm all about living with your parents for X amount of time for X amount of

reason. Six months after college to get you launched out, fine. Through college to help cover costs because tuition's expensive and housing's expensive. Fine. No problem. But you have to be very clear on the front end. Here's the arrangements. Here's what I'm going to charge you for rent or for bills, or here's my expectations when it comes to a curfew, whatever, because it's mom and dad's house. They can do whatever they want to, right? And then you have to decide whether I want to abide by those arrangements. What I don't like about this is mom is changing midstream, and not only is she changing midstream, she's making you the villain here. Yeah, and to go off of what you just said,

I am going into my junior year come time of fall. So I was going to move a lot earlier to Georgia, but she said, well, why don't you just do school online right now, and you can stay home for free, basically. That way you can save up. So like you said, she is changing midpoint, and now I'm in a position where it's like I feel like I have to make a hasty move, and I don't want to do that and end up putting myself into a situation that

I can't get myself out of. That's not, don't ever think that. You can get yourself out of any situation. If you don't go down to Georgia and sign a 24 month lease on an apartment you can't afford, right? That's, then you're trapping yourself. But here's the thing. I want you to take mom out of the equation. It's not by your hand, but it's in your lap. You didn't mean for this to happen. You didn't plan for it to happen. Mom just wrote you a letter. She didn't even give you the courtesy of giving you an in-person conversation. She wrote you a letter and sat it down and blamed you for, I can't believe you're not doing this. I can't believe you're not doing this. Here's the thing. Credit cards aren't real.

You don't have that money. Now you might, if I'm you here's honestly, probably what I would do is here's several hundred bucks for rent this month. I'm moving out and I would take some of that money out of savings. And that's, that's probably what I would do, but you have no obligation to do that. You do have a choice to make. She is now, as your landlord said, here's the deal for living in my house. You can A, meet that deal or B, move out. Those are your two choices. And I would not linger and fight and lose a lot of sleep over what about this and why not? She's laid it down. She gave it to you in writing, right? So cool. That's my two choices. Are you going to be heartbroken? Yeah. was it your

plan no but this is reality you didn't plan it it just dropped in your lap now you have to do adult things and decide what you're going to do do you have a friend that you could crash with for a month or two before august um not really at least not in arizona most of my friends are in georgia okay um so do you have a couple of friends you could crash with in Georgia and just say, hey, can I give you a couple hundred bucks? I think so. I also,

given that I do have money in my savings, there is like, I found a room that I was going to stay at anyways for school for like $800 a month, but she's also needing last month's rent, so I need $1,600. She needs $1,600, not you.

No, not for my mom. You're talking about the new room. Oh, okay, gotcha. You might need to stick it out another month or two. But here's what I would do, cut up the cards and close the account, because then she has no reason to say, well, you can just go into debt and say, no, this money's allocated. My money and savings I need for moving, I need for tuition, and I refuse to go into debt to cover bills that we had no communication about previous to this.

I want to take, like with the COVID shot, let's take some of the drama out of it and let's make it a more simple story. Let's say she was a house framer and she said, I'm not using hammers anymore. I'm not picking up a hammer. Great. Don't pick up a hammer. You can't do that job anymore. Right. Because the job says you have to have this tool to do this job. You can get all mad. You can fight it. You can get angry. You can burn things. You can do all that stuff. But when it comes down to it, they have said a tool for this job is this. A requirement for this job is this. So she has said, I am not doing this thing. So she is opting out of the medical profession. Fine. She needs to go

find a job and that is her responsibility to pay for her bills. And here's what I want you to keep in your heart. Choose guilt over resentment every time. Because if you just start writing checks and running up credit cards and you're having to pay them off while also being a student, while also trying to work, while also trying to get internships and do all that stuff in your last two years of college, you're no longer going to feel guilty about what's going on. You're going to start to resent your mom. And I don't want that for either of you. Yeah, me neither. So draw your boundaries and say, here's what I can do. Here's what I will do. Here's what I'm going to do. And then you're going to feel guilty no matter what you do. Choose guilt over resentment every

time. And I didn't make that up. That's from Brené Brown or somebody. Regardless, it's a great truth to live by. Okay? Okay. And listen, the next few weeks, the next few months, they're going to be hard. Relationally, they're going to be hard. Moving, just understand this is going to be difficult. There's not an easy path forward here. So I'm going to do the right thing for me in this season. Okay. Okay? I'm sorry that's happening to thing for me in this season. Okay. I'm sorry that's happening to you. That breaks my heart for you.

It's tough. Yeah, and parents, listen, if you want to help out your kids, awesome. I'm all for it. You are not helping out your kids, your adult kids, by entering into new relationships with them, landlord-tenant relationships, and not clearly

laying out the rules. They are not nine and ten anymore. They're adults. They're college kids. So you got to lay out, here's my expectations. Here's the rules for this new living arrangement. Are you in? You got to do it up front and you're the adult, you're the landlord, so you go first. This is The Ramsey Show. We'll be right back. Today's scripture of the day is Colossians 4, 6. Let your speech always be with grace

as though seasoned with salt so that you know how you should respond to each person. Austin, I feel like you picked that for me because my speech is not always seasoned with grace. So thanks for kicking me while I'm down. Appreciate that. The great Stevie Nick says, Your graciousness is what carries you. It isn't how old you are, how young you are, how beautiful you are, or how short your skirt is.

What it is is what comes out of your heart. If you are gracious, you have won the game. All right, let's go out to Ivan in Dallas, Texas. What's up, Ivan? Hello, Mr. Camel and Dr. Delaney. Thanks for taking my call. Of course, course man what's up um i'm pretty sure i know the answer to this i've been listening to dave for a long time i just need a proverbial slap in the face we're not gonna hit you no we're gonna do this bible verse that says speak with grace. Try that out.

Thank you. Bless you. So I do have 21,000 locked up in crypto. And it's down almost 50%. I was going to say, was it originally 21 or was it 42?

It was 42. It was 42. Y 42? It was 42. It was 42. Yikes. It was 42. Is it in a single crypto coin or what? Most of it is Bitcoin, Ethereum. Okay. So you chose the good coins and they still are down 47%.

Okay. Correct. So you made a smart, dumb decision. Good job, Ivan. Correct. Okay. So what made a smart, dumb decision. Good job, Ivan. Correct. Okay. So what's your question? So my question is, I feel like I should cash all that,

pay off the $10,000 that I have left on the car loan and put the rest, I guess, in an emergency fund, invest it. How much money do you have liquid? Liquid, probably like $4,000. Okay, so if you sold all your crypto for $21 today, you'd pay off the car loan, you'd have $11 left, add it to your $4, that gives you a $15,000 emergency fund and no debt, correct? Correct. Plus $500 a month that I didn't have before. Because of the car loan payment. Correct.

Man, that sounds like freedom to me. So the part we have to grieve is the stupid tax where we went, oh my gosh, I can't believe I lost $20,000 on crypto. I know. Right? And that's the lost 20 grand on crypto. I know. Right? And that's the hard part, truthfully. Like, I feel that. And the possibility it goes back up and you're going to be debt-free,

owe nobody anything, and it's going to go back to its original value as part of a roller coaster, and you're going to go, I should have! Right? Mm-hmm. Yeah.

And all your buddies are going to go, dude, you should have hung on man bitcoin's up 800 right and you're gonna have to go i know but i'm also debt free and i have an emergency fund and i'm investing in different ways now and i'm fine with that can i can i ask you a personal question ivan yes i feel like i can hear it in your soul coming through your exhausted Dallas voice. You're tired of riding this particular ride. Is that fair? I am.

I've been... One day I wake up and I say, should I... I'm going to rip this band-aid off today, and the next thing I'm saying is, I'll wait until December, and I'll see where it's at. Has it consumed your life in some way where you're constantly looking at the phone watching it go up and down 24-7? Not really.

No, because I have a good income. I cash flow everything. I pay everything for cash. Have you been investing in other ways? Yes. I have my 401k. I have an independent Roth IRA. Following all the advice, this was just... What's your income?

What do you make? Before or after child support? After. After. Growth is about $102,000 a year. Okay. If I'm in your shoes for the next year or two, I'm going to stick to my 401k and my IRAs, and I'm going to just live with some peace in my life and start to save up for some goals I have and use cash. And once you're there, if you still want to get into crypto

a year or two from now with some fun money outside of your 15% for retirement, go for it. But still get rid of the crypto right now. I would be selling it, man. I'd be debt-free tomorrow with an emergency fund because right now you are not safe. You have one emergency, and you're back to going further into debt. Yeah.

With an extra $500 coming in every month if you get rid of this car loan. Yeah, you get a $6,000 a year raise. That is true, which can go to the Roth or... Yeah, this is the best ROI on a phone call you've ever made. Hey, and make no mistake, you are locking in what, $26,000 or $27,000 of losses, is that right?

Correct. You're locking them in. So, in fact, I'll tell you, George and I, I'm not going to, I don't want to be responsible for that. I'm going to tell you, what I would do is I would choose freedom here, I would solve for freedom, but you're locking these losses in. You are.

But, man, if you wake up on Monday and you don't owe anybody anything, you don't have a truck payment, I'm telling you, man, your life's just going to feel different. Yeah, plus you don't have that nagging in your brain about what's the crypto doing today. And hey, if you do sell, will you make a commitment to your soul to not check on crypto prices for six weeks? I promise that. It's like breaking up with a girlfriend and then you go back and check her out on Facebook and text her. Don't call the ex, okay? Just be done.

Yeah, and don't answer the text. Okay? Just be done. Yeah. And don't answer the text from the crypto boy. Dude, trust me. You might need to find a new friend group because they're going to be nagging you for years about this. Going, remember that time, dude? You sold it for... Who cares? Exactly.

And if they're really your friends, if crypto explodes and they all buy airplanes, they'll take you on their trips anyway. That's right. So there you go. All right. It's time, George, for the George and John telethon. That's right. This is very exciting. If you haven't heard, we're doing something around here we've never done before.

All of the Ramsey personalities are leading Financial Peace University, including John and I. And John's class starts. It's coming up, John. Yours starts May the 22nd. And this is nine videos, nine lessons, but we're doing it like a bootcamp in four or five weeks. So meeting twice a week. John's class is meeting virtually Mondays and Thursdays, 1 p.m. Eastern time. My class starts June 20th. We'll be meeting at 1230 Eastern time p.m. Tuesdays and Thursdays. And we are pumped about this. You're going to learn everything you need to know about how to handle money, how to pay off debt, how to

build wealth, all of it. We're going to be your personal cheerleaders through this class with a whole bunch of other people joining. And this is the way I look at it. It's kind of like group financial coaching and you get to meet nine times for like 79 bucks. If you did one financial coaching session, one-on-one, it would be like 200 bucks. So this is a steal hanging out with us virtually over Zoom from the comfort of your home. And if you want to join us, fpu.com is the place to go. And this is the stuff that changed my life, John, back in 2013 when I started here. I went through Financial Peace University. I had a whole paradigm shift.

I realized the system is designed to keep you broke. I realized it's all my fault, but it's also my responsibility. And I realized that I could actually buck this system and get out of the matrix and find freedom and financial peace on the other side. And here is our plea. Jade Warshaw and Rachel Cruz are destroying us when it comes to class sizes. Help your brothers out. We can't let the ladies win on this one. Me, George,

Ken, Eddie. Let's be honest. These are going to be amazing classes, George. I want to join yours just to see how it goes. I think I might join yours as well. That would be fun. We should do a little pop-in on each other's class. Yes, but you've got to be nice to me if you pop in on my class. I'll be nice. So here do a little pop-in on each other's class. Yes, but you gotta be nice to me

if you pop in on my class. I'll be nice. So here's the deal. You watch the videos before we meet. We meet up for a group discussion. We're gonna do interactive Q&A, which is like getting on the Ramsey show without having to fight thousands of callers at once. So it's a great opportunity. And if you've been thinking about it, like, I think I should

join, this is your key. Don't think anymore. Just jump in. You will not regret it. Like, I think I should join. This is your key. Don't think anymore. Just jump in. You will not regret it. All right. I want to thank Zach. Is that Andrew back there? James, Joe, Austin, Christian, the whole gang.

You guys crush it. You're the best in the business. I want to thank the mighty George Campbell. Good show today. Good times. I want to thank you, America. Listen, build a non-anxious life. Pay off your debts. Get connected to a community. Give recklessly

and seek peace. Cut out the drama. We'll see you soon. Hey, it's John Deloney, co-host of The Ramsey Show. Did you know over 18 million people listen to The Ramsey Show every week? A lot of those people listen on one of our 600-plus radio stations across the country. To find a station near you, go to ramseysolutions.com slash show.