The Ramsey Show - App - Are We Becoming a Cashless Society? (Hour 2)

Episode Date: October 31, 2022

Dave Ramsey & Dr. John Delony discuss: Dealing with a gambling addict father, Rumors of the US going to a fully cashless society, Not being on the same page as your spouse (about the thermostat). Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the pods at Moving and Storage Studios, it's the Ramsey Show, where debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. We help people build wealth, do work that they love, and create actual amazing relationships. Dr. John Deloney, Ramsey Personality,

and host of the Dr. John Deloney podcast, which is, quite frankly, exploding in listenership. Thank you guys for joining him on that. It is an incredible podcast. They do a great job. Also number one best-selling author, Ramsey personality is my co-host today. Greg is going to start this hour. He is with us in Indianapolis. Hi Greg, welcome to the Ramsey Show. Hey gentlemen, how are you doing? Better than we deserve, sir. What's up in your world? Well, my mother has just received a medical malpractice settlement of about $125,000. My father is a degenerate gambler.

We've been trying to explore ways that we could somehow legally keep this money so that it can last her for hopefully the rest of her life and to do it legally where he can't get a hold of it. And I was wondering what your advice might be. Is she still in relationship with him? Is she still married? She is. We've also explored that route and it seems like it's going to stay that way. So I don't believe that that easiest, most sensible option is going to be an option. I'm sure Dave and I can come up with some ideas about trusts and things like that. You're running into what I think is one of the hardest things that we have to deal with as finite beings, which is wanting something for somebody else,

wanting healing or safety for somebody else who, for a host of reasons, does not choose that for themselves. Absolutely. Absolutely. I agree. It's a powerless feeling when you watch somebody you love stay in a relationship that's not safe it's powerless when you someone gets a like this gets a a ticket out and they choose to stay in right it's tough tough tough tough um yeah especially mother and father oh gosh polar opposites in this situation it's pretty bad

even if you like even if she drew up a trust it immediately gave you the money gave it like whatever is she going to be able to keep herself from asking for it back or for cashing it out and giving him a little bit here and a little bit there i think she will um she's pretty much agreed uh that she's willing to put it in my name or my name along with my brother. How long is this dysfunctional relationship going on? Well, maybe forever. I didn't take notice until probably about six or seven years ago, maybe. When she retired, that's when I became a parent.

She's a completely codependent enabler. The chances of her telling him no over the next decade are close to zero. You're correct. Yeah. She's going to have to give you the money to give it away to her kids. Well, and then you're going to be the evil son when she comes to you and wants her money. Well, I mean, all I'm really concerned about is the legality of it. I don't want to step over the law as far as him being her spouse and him having any rights to it. Yeah.

And I also don't want something to happen to her and he gets to end his life in that way, you know? Yep, yep. So you would have to speak with some attorneys in your state. Are they in Indiana? Yes. Okay, you'd have to speak with some attorneys in Indiana to get some legal advice on how to properly do this and what the divorce laws are in most states. Most states, from my little bit of understanding of the law, and I'm not an attorney,

say that when you are married half of what you have is his and half of it's hers and it really doesn't really matter where you put it at that point as a matter of fact if he if she gave it all to you the courts might go she gave it all to you and half of it was his and make you give it to him in the event of a divorce okay um and so uh if there's a if there's a trust and she's the beneficiary of the trust and you are the trustee um he might have marital rights to that trust i don't know but uh in most i'm amazed at uh the one of the few things would be like if um if she brought this money into the marriage then they might protect it but it was they were already married when she got the money and in most states the law is going to give him access to half of it and undo almost anything you

try to do okay the only thing that will actually protect her is divorce and so the the problem is this they have uh so much bigger problem mathematically than 125 000 sure and uh so the the the only the best news of this is it's making her face this yet again in a more real way and in a way that puts some weight on it for her to have to actually think about how screwed up this situation is. And so I'm so sad for all of you. It's just heartbreaking. But, you know, meet with an estate attorney and see if, under the laws of Indiana,

if there's a way you can keep his hands off of it by moving it around somewhere into a trust or into your name or whatever. I mean, she can gift it to you, but I think the gift could be undone in a divorce court in most states. I understand. I'm assuming that the way you talked about your old man, that this ship has sailed, but is there something to be said for sitting down with him and saying, this is not for you, this is to keep you all alive for the next 15 years? This type of thing has been tried. My dad's always kind of been an honorable man but this has completely uh erased all of that yeah um what an addiction does addictions turns people into

liars and manipulators absolutely um but being able to tell her that this advice came straight from dave and john will be great. Okay. And, uh, I appreciate you guys telling me what you think about it. Um, well, I'm sorry. I think the, the only way I can,

to my knowledge of, of 30 years being in the financial planning world, to my knowledge in most States with the way divorce law works, as I understand it again, I want you to, you're welcome to double check the legality of this cause I could be wrong okay but i don't think i am to my knowledge the only way to protect this money is a divorce and the divorce court likely would say you might only be protecting half of it right you might be protecting half of it but it might say hey this was awarded to her

recently he has this situation but if you wait years, they're not going to do that. That's right. Okay? So, you know, I think that would protect it probably. But I'm not even sure then. And, Greg, you have to come to terms with the fact that you can't want her to be well more than she wants to be well. Yeah. I mean, you can want it, but it's not going to affect that change. And at some point, you've got to open your hands here

because you're going to put yourself in an early grave trying to get somebody else to change their life, which you can't do. She thinks she's being kind by going along with all this, and she's being unkind to everyone involved. Herself included. Exactly. This is The Ramsey Show. dr john deloney ramsey personality is my co-host today thank you for joining us dave they got into your cds last night they got they got in my closet back there in the back they have taken

your records and are playing them all today it's bad it's bad the spring ramsey's looking forward to a lot of firsts and we're pretty excited about it for the first time ever we're hosting a smart conference weekend right here in nashville a nashville weekend and this will be the very first event we host at the new ramsey Events Center. We're making Ramsey history with this event. How cool is that? Smart Conference has always been our biggest and best event we have here at Ramsey. The Smart Conference weekend will be two days of jam-packed blowout event where all the Ramsey personalities teach on all the different areas of your life.

Me and Rachel Cruz, Ken Coleman on career, George Campbell on money dr john deloney on relationships christina ellis we're going to cover every area of your life and because we're in nashville oh well there might be some music people popping in you just never know if one of my buddies is going to come around one of these things and uh so and you're going to get a commemorative event badge and pass to celebrate the opening because you were there at the very first Ramsey Event Center event. And here's the thing.

Very limited tickets for this event. Usually the smart conference is 6,000 to 8,000 people. Our event center holds 2,500, 2,400 actually. So platinum tickets sold out like the first day we launched this. There's a few other upgrade VIP tickets left. They're going really fast. Tickets start at $79, and that's the early bird special. You need to get yours right now before they're gone.

Here's the details, April 14th and 15th, a Friday night and a Saturday. You can come in early on Friday. Watch us do the show. We do it from 1 to 4 Central Time on the glass. There's always 50 to a couple of hundred folks sitting out here watching us, including right now. So just come to the Ramsey Events Center in Nashville. Make plans right now.

Go to RamseySolutions.com slash events. Get your tickets right now, and you'll be ready to go. Our question of the day comes from blinds.com. They have a 100% satisfaction guarantee. That means even if you mismeasure or you pick the wrong color, they'll remake your blinds for free. Free samples, free shipping, new promos all the time. Always use the promo code RAMSEY, and you'll get extra discounts.

All right, today's question comes from Wesley in Arizona. I've been hearing, oh, man, anytime somebody starts with, hey, I've been hearing, here we go. I've been hearing more and more in the news recently about the government looking at digital currency. Are they doing away with cash, and if so, should I be worried? Some are suggesting taking money out of the bank and investing it in gold or silver. That's not something I feel comfortable with, but I don't want to lose my money.

They're coming for us, Dave. You got a little prepper down inside of you. Oh, way down in there. I'm worried about some, and I've been hearing. Yeah. Man, they're coming for us. They said and I heard are a really crummy financial planning firm, especially when you're getting it off the Internet,

because everything on the Internet is true. Abraham Lincoln said that. So, okay. Okay, first let's understand that actual paper money is a very small percentage of our economy already. That when you Venmo someone, when you write a check to someone, when you use your debit card to someone, when you have an automatic withdrawal from your checking account to someone 100 of the money that transferred was digital money you've never written me an actual check dave it just deposits in my account right yeah all of my payroll is not done with real money cue the ufo music okay so um dude we're already i don't know what the percentage is but what would you guess i mean what percentage of our economy is paper money and what percent are digital

transfers as we just discussed just guessing i'd say 95 at least yeah really high in the high 90s it's got to be our our digital transfers they're not here's what i know i recently bought some concert tickets for like a bunch of us and i had everybody pay me back i still don't understand how to get venmo from venmo into my checking account so i said hey you guys got to bring me checks and you i might as well said hey i want y'all to all just wear your bathing suits over to my house for dinner like it was this they looked at me like i was from Mars. And they all wrote checks and they were all written in like,

like they'd written them with their feet. Like they didn't know how to do it. Like little children wrote the check. Yeah, and Sheila was like, man, I don't know how you have friends. What grade did they graduate from? Wesley, you and me, brother. We can count our silver coins when it all goes down the woods so um really my point is to do away with cash and coins would really not uh disrupt most of the economy most people most

of the time most people most of the time i mean i i was in the gas station the other day and a guy bought a pack of gum with his debit card yeah and i'm like really you don't have a dollar i mean you don't have two dollars i mean he because people just i mean especially depending on your age group right old fart like me i've always got a couple hundred dollar bills i got a redneck emergency fund there's always a thousand thousand dollars a thousand dollars and hundreds tucked somewhere in my clothing right but the uh uh oh my gosh but the yeah but young people they're just like oh it's all digital so we're not making fun of you we're just pointing out that digital is already a very much a way of life and so don't panic and no

there's no credible indicators that the government is going to do away with paper money i think this was there is some credible indicators are going to do away with a penny because it costs more than a penny to make one right and man it does literally they're losing money producing pennies that nobody uses correct you know and so um you know so we probably are going to see some of that but there's some discussion about um digital currencies and i think and I think when the Bitcoin thing went crazy, those who were deep in all knew it's going to go bankrupt. It's the technology that's going to be cool down the road. Yeah, the technology is probably going to end up usable. Fine.

I mean, all just like I imagine there was a hubbub when the debit card came out, and then direct deposit came out. And I think there's always a lag on that kind of technology and is what it is and there should have been a hubbub when the irs had the unbelievable genius move to withhold your taxes from your check before you ever got your check that was genius yes that got that created a whole country of sheep yep and because i got to tell you people if y'all had to go line up somewhere and hand hundred dollar bills to someone called a tax collector for your taxes out of your check every week there would be a revolution oh baby it would be there would be like pitchforks and burn the monster i mean it would be you know torches can you imagine

oh i that's but that's how genius this transfer idea is hey we'll take care we got you yes it's a low friction we're gonna make this easy for you to pay your taxes and then you can just go to sleep and we will take all your money well i remember during covid when they said hey we'll just deposit it for you yeah and i thought oh if they can just put it in there they can just take it out of there oh there you go paranoia oh yeah there you go yeah i told you there's a prepper down in there oh he's way down in there but he's there but hey uh and i've talked about this on the show before uh wesley for those of you thinking about investing in gold or silver here's the reality um and this comes from a great

quote from one of my closest buddies who works in banking there in Texas. If it actually all goes down, if we are trading coffee and bullets, we have this idea that our lives are going to go on as they are. Like we're going to go to the gas station in our car on the way to our jobs, and we're going to hand a canister of bullets and coffee in exchange for the gas. If we get there, where we are trading gold coins, your neighbor will have already shot you

for your water and you will have already, like you're eating pets. Like everything is different at this point. And so we stop falling for the, you know what, when it all goes down you're going to want to trade gold bullion for your for what it's not it's not going to work that way

there's no failed economy in the history since the roman empire that has used gold as a method of exchange because of a failed economy no never once and if they find out you got it once they'll come get it. Not once. No. That's not the hedge. Know your neighbors. That's the hedge. A can of gas. Some new blue jeans.

Bullets and coffee. That's the barter economy is what happens in a failed economy. And then a new regime comes up and they create new paper money with their face on it. Ta-da! This is the Ramsey Show. One of the most common pieces of advice I give folks trying to get out of debt is to sell the car. But it's important to sell the smart way by using CarWiser. CarWiser is a completely free service that gets you offers from all the top online dealerships instantly. Just enter your vehicle information and boom, you're ready to pick up an offer and get paid.

CarWiser saves you hours of time and hassle. So go to carwiser.com slash Ramsey. That's carwiser.oney, Ramsey personality, number one best-selling author, is my co-host today. Thank you for joining us, America. We're glad you're here. In the lobby of Ramsey Solutions on the Dead Free Stage, Jerry and Ellen are with us. Hey, guys, how are you? Doing good.ave good to have you guys where do you live round lake heights illinois okay and that's near waukegan illinois ah

okay cool good to have you guys how much debt have you paid off well we paid off about 126 199 dollars and 28 cents just about just about and long did this take? Took us about 36 months. Good for you. And your range of income during that time? We started at about 135, went to about 60, and then now we're up to 185. Whoa. What do you all do for a living? IT.

Both of you? Both of us. I do support. He does programming. Okay. So did somebody lose a job and then you got it back? Is that what happened? That was me.

Okay. All right. Cool. Well, well well done you guys are making good money what kind of debt was the 126,000 well you'd call this pretty much normal except we didn't have any student loans at the time we had about 24,000 between two vehicles we had i want to say it was $30,000 in... $30,000 or $36,000 in credit card. Credit cards alone. Plus we had a second mortgage, which had come from refinancing credit cards back in 2006. And we had a lot of other... And then during our debt-free stage, during our debt-free journey, we actually paid off $31,000 that we cash flowed in other expenses.

Oh, wow. Including some money to the KGB, some money to paying off some medical bills, some pet medical bills, as well as furnace repairs and water heaters. Okay. So how long have you two been married? About 34 years. So what happened three years ago, after 30 years of marriage, that you said, oh, this needs to change? Okay, this is two-part. The first thing that happened was in July of 2018, I was afraid to take my dog to the vet.

We didn't have any money. We were broke. I was unemployed at the time it turned out that my little brown dog that's in the photo there had cancer and it filled completely his chest before we finally took I took we finally took him to the vet and he couldn't breathe then about a month later and I'm still looking for a job I just was going to start in a couple weeks. We got a call from the electric company saying they're going to cut off our electricity. So the two things together, my guilt over that, I started looking for answers.

I had heard of you, Dave, through Silent Sales Machine Group. And I had heard of your book and entree leadership I was selling on eBay I was selling on Amazon I was selling on Etsy at the time um what we ended up doing uh I had no clue what I was doing financially with business let's just put it that way um we ended up I ended up saying when we started i started looking and i remembered your book and then i started looking into the other stuff that you did i knew there was a financial thing behind it once i had an idea about it and had the podcast and everything i turned to jerry and, can we do this?

And your answer was? It's about time. Where have you been all my life, beautiful? I didn't really grow up with the Ramsey process, but my parents pretty much lived that style. As far as I knew, they didn't have a credit card to their name but they they paid off their mortgage and everything and you know we were kind of an odd statistic because we actually did have student loans but we had paid them off about a decade before we started the process my my parents actually had paid off their home they I I was I was born and raised in a house and lived in that house all the way up until so you guys rolled out the whole Ramsey process and started rolling and started just doing it straight up just straight up everything we said you did it was it was things 2020 really really

oh yeah bad I was in the hospital between six and eight times that year 2021 I was in the hospital twice this year blessedly I've been in once but there was a very good reason I was in so I have pulmonary hypertension oh wow so i'm very susceptible to a lot of things and i covid was nasty for you yeah covid is still nasty for me yeah let's just put it that way oh my goodness wow wow oh bless your heart very cool i'm so glad you got free of this that That's got to help with the hypertension. Well, not only that, but as soon as we paid it off on July 4th of this year, my whole attitude toward buying things changed. A lot of people say in the beginning their buying attitude,

I started reducing how much I was spending on groceries. I started really looking at, do I really need this? I wasn't willing to do that until we paid it off. Wow. I don't know why it took me so long, but I don't care. Now you're there. We're there. Yeah, we're there.

How does it feel to be free? Quite a bit relaxing, yes. Yes. Brother, you look like you are nine Xanax into this day, man. You are just chill as could be i love it oh it's amazing guys what do you tell people the key to getting out of that is the budget the budget is key we i never understood a budget at all completely i have a degree in geology i have a master's degree in geology i am not a non-science

person i had no clue about budgets it's a different kind of math yes it is because it's a math of the heart and that's different than a simple equation how has this helped your marriage you can't even describe it we can't even begin to describe how much we have gotten together yeah how much that with a lot of help from others have say hey why are you talking about yourself in the third person all the time i was so disconnected from myself and between this a person in Minnesota who suggested me look into Dana Kay White's books which are on decluttering and getting a new counselor Wow it's just completely true were you kind of hoarding also yeah you think oh well i didn't know i did do you think it was like boxes empty boxes oh my gosh you collected empty boxes okay that's officially hoarding yeah and actually i'm running a business now and i'm looking at i'm like we don't need all

these boxes get this thing out of here all right a lot of stuff cleaning up oh yeah so proud of y'all well done thank you you face the person the mirror, and that's the hardest one to face. Yes, it is. Very well done. Very well done. And you are free. Hey, we got a copy of Total Money Makeover for you to give away to somebody and get them started. Baby Steps Millionaires for you.

That's the next chapter in your story as well. Learn how to be a millionaire because you're going to be one. Probably when you just sell all that stuff. And, of course, Financial Peace University, a one-year membership to that as well. That's the Live and Give Bundle. And we're going to help you guys. You'll be able to give and live. And way to go.

I'm so proud of you. Very, very, very well done. Very well done. All right. What do you tell people the absolute key is to getting out of debt? One more time. The budget. The budget. budget budget is key the bears the budget that's it man that's how we do it right there and if you're listening you you don't have the the blessing of seeing jerry and ellen y'all look like two people who have just flat out arrived you look like you are peaceful your accountants yes like

just everything about it man and if you sometimes i talk to folks and they're about to cry because they've got so much buried in i feel like you're about to cry out of joy just you are so glad that you're still here right and you're free air conditioner went out right after we paid off everything and we looked at each other and said, we'll put another window. We'll put a couple window air conditioners in and we'll save up the money. Delays, maybe step three, but we'll get a new HVAC system. There you go. Awesome.

There you go. That's a totally new life. That's what's changed. It's a new life. Sense of control and destiny. Jerry and Alan from Illinois. 126 paid off in 36 months. 135 to 60 to 185.

Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah! Whoop, whoop, whoop, whoop, whoop, whoop, whoop. I love it. This is The Ramsey Show សូវាប់ពីបានប់ពីបានប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពីប់ពី Dr. John Deloney, Ramsey personality, is my co-host today. Open phones at 888-825-5225.

Hey, if you like this show, please consider subscribing to it on youtube or on the podcast we'd love for you to do that we're offered on every podcast platform that's out there from spotify to apple to google play whatever you can find us everywhere also while you're doing that leave us a review especially if it's a five star don't bother if it's one we just do not hear from you send those to james chiles and here's the thing most importantly share the show just take a link of it or just or just tell your friend listen on the radio station that you're listening on wherever that is and uh just tell people to spread the word because common sense is so rare in america today that it's like having a superpower so and i found

out if you if you subscribe if you leave a five-star review it kicks it up in the algorithms and you actually share the show um and it costs you nothing right it puts it well you're you're helping you're helping you're helping america that's right i mean really because i mean this this information is important spread the word not because i'm saying it but it's just it's life-changing stuff we're here to hear every day amy's with us. Amy's in Boston. Hi, Amy. How are you? Hi there. I'm doing well.

Thank you so much for taking my call. I'm pretty nervous here. No trouble. What's up? Yeah, so my husband and I are on baby step two. We are both 52 years old, so we got a little bit of a late start. We have paid off like $120,000 since the beginning of 2020. Very good. Yeah, but like 76 or so thousand of that has just been since in the last 18 months or so. So we are plugging along, plugging along. And my question is and i i've heard you guys answer

a similar version of this question but what do you do when you're not fully fully on the same page with your spouse with regard to how deeply you're willing to sacrifice like we're mostly on the same page and like i said you know we're mostly on the same page. And like I said, you know, we're making great progress, but we have like $32,000 left. Um, and my husband and I had a little situation with the heat at our house because oil is like over $5 a gallon. So I was keeping the heat turned off. Um, and he was away on a work trip and he turned the heat on and he was like, I'm sorry, I am not, you know, I'm not willing to wear a coat and a hat in my house. Um, and so I just, I'm so stressed about heating season amy and how like we can afford it amy yes what's your household income

our household income is about 154 000 your husband's right okay amy this is not about i'm not i'm not wearing listen i teach intensity and the the depth of your sacrifice will be based on the depth of your intensity and the depth of all of that is going to be based on the depth of your why and uh you're you're talking to mr get everybody out of debt dave ramsey and i am not going to wear a coat in my house. I felt like he was being a drama queen. No, he's not.

No, he was cold. He's not. You are. He was cold. He's cold. You are. Amy, there's something below this. What is it? There's something beneath this. This is not about heat.

What is it? Have you been carrying a lot of this are you scared well are you tired i'm definitely tired i'm definitely tired um and like i am clearly the nerd in the relationship if you guys couldn't tell yep yep loud and clear and i'm high intensity he is the yes man he is you know the free spirit for sure and but he's been going along with you pretty good because you paid off 76 000 in the last 18 months yes he has and you just you crossed the line when you cut when you made the man cold hey amy listen listen okay amy listen you ever been driving down the highway and you got to go

to the bathroom and you you don't know when the next exit is and so your body just kind of settles into like a constant like i gotta go but i'm fine and then you exit and you get right to the gas station and all of a sudden your body's like it's happening right now. And you have to sprint that last 15 feet into the gas station. But for the last 15 miles, you've been okay. That's right. That's where you are. You are several years into this. You see the finish line.

You're 30 grand away. You're almost there. Right. I'm like, this stupid heating season is going to make it that much longer. Don't lose your marriage over a couple hundred bucks. I'm so pissed at Biden for the oil prices, yeah. Yeah, turn the news off. Like, yes, it's heat.

It's heat. It's heat. It is what it is. And it's just, I praise the Lord we can afford it. Here's the other thing I'll tell you. What this means is there's a shirt. Every marriage book i've ever read says that you have a healthy marriage if you argue about the thermostat

every every couple i've ever met in my life argues about the thermostat me and my wife are gonna be married i've been married 40 years and i still can't convince sharon how a thermostat works that its purpose is just to hold the temperature she thinks if she cranks it up or down it makes it go faster i'm like this isn't we got through the worst of it the temperatures are going up this week i'm like you're not whining and then my husband comes home from a trip and he's like i am not wearing a coat and hat in my house he's right he's right you know and the good news is you're you're uh you know he's willing to say that and not just go crazy on you and you're willing to laugh about it when we poke

a little fun at you because we've all done stuff just exactly like you're doing and like he's doing for that matter but you really have done a great job so far and you really are going to get there and you really don't have to skip a meal to do it oh my gosh i feel i'm so grateful for the encouragement and you really don't have to live in a cold house how many more months away you i know you've got it you've already got that number tattooed on your wrist how soon probably seven to eight months. Yeah, or less. Our goal is like when our fourth kid graduates from high school, I want to run by then. Do it in five months. I think you're going to do it.

Do it in five months. You can do it. There's other things that are going to happen, but the weird thing is the math works better when you're working together versus when you've sacrificed so much that you lost your partner and you lost the connectivity and the unity of the relationship that somehow causes the math to get better more so than alienating them over the temperature in the in the house or whatever the thing is you know so now you know you know, if it was something else, if it was like I demand to go out to eat,

I would tell him to quit being a drama queen. I demand to go on vacation. I deserve a vacation. I'd say, shut up, you whining snowflake. I would have got after him, right? But, you know, all the men wanted was heat. I mean, it wasn't that cold. It wasn't that cold in the house.

What was the temperature? It was 52. Good God. Hey, and you haven't told us the truth. You took the toilet paper out of the house too already, didn't you? It was colder over the weekend while he was away. We got through the worst of it, guys. We got through the worst of it. Oh, the kids are cold too yeah she's got a senior in high school he's gonna be telling his counselor when he's 42

that his mother actually froze him to death while his dad was out of town on behalf of mental health practitioners of america we want to thank you for keeping us in business for the next 30 years man that's so precious what's precious is is not the situation but how she's handling it yes hey and how he's handling it like i say their marriage clearly um he's he was able to get up to the line he's walked alongside with her for three years he's he's put the work in and he's also able to speak his needs out loud which a lot of men won't do they just live in resentment and anger. And they go to the bar and complain about their wife.

Hey, good for you, man. Good for you. Y'all got a healthy marriage. It's good. Thermostat wars are a way of life. It's just part of it. Turn it up. Turn it down.

I got up yesterday morning. She's got it cranked down just because she likes cold house, not because she's trying to save money. Yeah. She just wants to freeze me out. My wife would love to take up residence on the sun. She just wants to live on the sun, and I don't understand it. Don't understand it. Oh, that puts this hour of the Ramsey Show in the books. Dave here.

You can find all of our shows with the Ramsey Network app on your smartphone. It's the only place to listen to the entire back catalog of episodes. Download the Ramsey Network app in your favorite app store today.