The Ramsey Show - App - Decide To Change RIGHT NOW (Hour 1)

Episode Date: April 3, 2024

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show. We help people build wealth, do work that they love, and create actual amazing relationships. Our phone number is 888-825-5225. Dr. John Deloney, Ramsey Personality, is my co-host today. He's host of the Dr. John Deloney Show, where he discusses mental health and relationship health. And we're here to talk to you about your life and your money today. So it's perfect that he's here. Again, the phone number 888-825-5225 mike is with us mike's in uh houston hey mike how are you hey dave how are you doing better than i deserve what's up hey i really need your help um i need your help with my financial discipline

i need i moved my back home this year and my parents told me that I have this year to fix my finances. I make $105,000 a year. I'm totally in debt, $121,000 in debt. They're allowing me to pay a rent of $400 a month for the rest of the year for me to get back on my feet. What's the debt, man? What is the debt of? Yeah. It's $8, man? What is the debt of? Yeah. It's $8,000 in credit card, $37,000 in an auto loan,

$57,000 in student loans, and $19,000 in a line of credit. What'd you buy with the line of credit and the credit cards? So the line of credit was to consolidate my debt from my divorce because I got assigned a debt because I made substantially more than her. And then the credit card is just debt that I've been carrying for the last probably 10 years. When was the divorce final? Five years ago. Okay.

So you've not done anything about cleaning up the mess from five years ago yet? I have not. I have not. And that's why my discipline has just been absurd. When did you buy the $37,000 car? So that was actually even worse. What happened was I actually bought a $72,000 car and within a month I realized that I wasn't going to be able to afford it. So I took it back to the

dealership because my monthly payment was going to be 1400 bucks a month. And I was able to get into another Mercedes that was, uh, I could roll that negative equity to, which was 56,000. And so far I only owe 36,000, but my monthly payment on the car is $800 a month. So you owe $37,000 now, and the car is worth what today? It's probably worth like $20,000. Where'd you get that number? Just kind of what I've been looking to see if I could resell it and get out of it. Okay. Yeah.

Okay. And your question is how to have financial discipline? Yeah, how can I get my ducks in a row to be able to pay this off this year while I have the advantage to just live at home? I have a girlfriend that I'm pretty serious with that I want to start a life with next year, and she has an 8-year-old kid. So I want to be financially prepared right now. I don't know if my debate is should I just save this year to get like $30,000 in savings and then start tackling my debt next year?

No, I think it's time you start tackling this debt. I mean, that's why your parents let you move home. With the sole purpose of you getting your crap together and getting this mess cleaned up and they told me this is the last year that they would do that yeah yeah so i mean you got you know and so what you need to do is work all the time like more than you work now i like you make 105 000 40 hours a week right yeah i'm salaried. I can't get overtime. I didn't ask you to do that. I want you to get another job.

Go throw boxes. You're not serious about this yet. You don't need a hack, bro. You just need to do it. What has kept you from doing this? Dude, I get a year after a divorce, man. Those are messy times. You make dumb decisions. You buy a car. You get an apartment. I get that., I get a year after a divorce, man. Those are messy times. You make dumb decisions.

You buy a car. You get an apartment. You can't afford it. I get that. This five years, you're 35 years old. You're about to enter into another till death do us part relationship, this time with a kid. Like, what hack are you looking for, man?

Just, I don't know, because I have only $2,000 in savings. Okay, so here's what I want you to do. You have to decide that getting this debt paid off is now a matter of life and death. Because this crap, this misbehavior on your part has stolen your life. Literally. Yeah, and it's stolen your peace and i want my life back and i want my peace back and i'm willing to do anything to save my life like the doctor just walked in and said you know you're a hundred pounds overweight you're about to die of a freaking heart attack you got this this and this and if you don't drop the weight, buddy,

you're dead in a year. You know what you would do? You would drop the weight, buddy. Nobody would have to talk to you about how to be disciplined. You'd be scared out of your freaking skull, and you'd drop the weight. Right? Yeah. So get scared out of your freaking skull.

You're hovering around this emotionally as if it's something that is just out there detached from you like discipline is going to fly in and light on your shoulder like a bird it's not you're going to have to just look up and go i am sick and tired of being sick and tired i've had it i'm not living like this anymore you got to get that thing that roar coming up from inside of you and then you don't care what your friends think and you will work six jobs throwing boxes at night while you make 105 during the day and you'll sell this stupid butt mercedes mercedes should be driven by rich people not broke people and so what were you even doing on the lot that don't even make sense so

you got to start talking to yourself like that okay and go no more i'm not doing this crap anymore i'm 35 years old this sucks and i'm not gonna do it anymore that's where discipline comes from is a healthy level of disgust when the pain of the situation you're in exceeds the pain of change your butt will change and until then it won't but this pain is an emote is emotionally manifested meaning you just decide i'm sick of this and until you are you're just going to wander around in circles chasing your tail like you've been doing for the last five years and that's any of us man we all do that you know i've told the story a thousand times now. It feels like during the Fauci pandemic, I ate every donut in a 50-mile radius. I looked down,

and they were hanging on the front of me, and I went, this is ridiculous. A fat man is on the radio talking about discipline. I've got to drop the donuts, and you know what? Hadn't had a donut now since the Fauci pandemic, and I walk or run every morning this morning I did two miles yesterday I did five miles before I came to work as the sun was coming up because I decided I wanted to do that more than I wanted to be fat and so I decided to lose it and it's a decision I got disgusted with myself yeah and I can't communicate this strongly enough. There's not a five-step program to discipline. There's not a super hack.

There's not an app. You have to decide. And I'm not, not next Friday. I'm going to start right now. That's when it starts. That's when it starts. And hey, hang on the line. I'm going to send you Financial Peace University.

I want to send you the videos, and you've got to commit to watching them. And I want it to seep in. You're in your parents' house. You're 35. This is your ticket out, brother. There's a lot here to be discussed. You've got to do it. You've got to do it.

There's a lot to be discussed about. Today. So get discussed. Now. Urgent. Dr. John Deloney, relationship expert, mental health professional, PhD in counseling, Ramsey personality. He's my co-host. Thanks for hanging out with us.

So when I was growing up, a little redneck kid outside of nashville in the burbs these little houses all in a row had a neighborhood full of kids and the kids would we would run in and out of the house and in and out of the house all day long and leave the door open and my mother would say classic things like were you raised in a barn like i know i was raised in suburbia but yeah and so um but uh finally somewhere in the heat of the summer and the air conditioning having all spilled out of the house the heat is now filled to fill the house and it filled her head too and um her frustration level would reach it and she would say that's it the worm has turned we had no idea what that meant except that the beatings were about to begin and so uh we would all get scarce real fast and not

no more in and out of the house we were just out of the house at that point the worm has i didn't even know what it meant i found out later it was shakespeare Who knew mom knew Shakespeare? Your mom was a – The worm has turned. I'm like, what does that mean? Except things are about to get ugly. So, yeah, but, you know, that's what happens. This is the secret of how you become disciplined. The worm has turned.

That's it. Les Brown, the great motivator, used to say people change their lives when they finally say, I've had it. I'm sick and tired of being sick and tired. And that's changing your life is not a changing your habits, becoming suddenly disciplined in something you weren't is not an intellectual exercise. It's an emotional, spiritual exercise. Well, and nowadays we have so much access to so many opinions informed and uninformed we have countless plans and so we we delude ourselves by researching a bunch if i like

there's been seasons dave when the time i spent researching the right workout if i just went down and worked out it would have been less time than i spent just trying to get the perfect all right what's the what a waste of time right so just go do the thing yeah when in doubt go do the thing something yeah go do it yeah and that changes everything so some of you listening right now get out your credit cards right now cut them up right this second it's time for plastic surgery it's time for a plasectomy and later you can write it in your journal that it occurred but freaking do it go do it or text your wife or your husband and say we need to talk tonight text right now we need to talk tonight whatever that i just cut up your cards yeah we're gonna have some uh it's gonna be tough

this month but send that text right now. There's no going back. Go do the thing. Get up from your desk right now and go for a walk. So right now. The reason I bring that back up is not to fuss at the last caller. That's not the point. The point is this is a common thing that is a human condition.

John and I suffer from it. All of you suffer from it. How do we go about embracing doing the hard thing to get to the easy? And John, you know, you've got a great saying, choose your heart. Oh, by the way, you don't know this. I forgot to tell you. I was going to tell you off air, but I'll just tell you right now. So a neighbor of mine came to the event we did with Mike Rowe and you went through the whole choose your heart okay you can choose to uh you know lower your caloric intake and lose some weight increase

your exercise or choose to be on the operating table for heart surgery uh from your obesity both of those are hard paths both are hard so choose your heart you said you did a whole talk on that so my neighbor who's a good friend of mine, was in the audience. He has lost 150 pounds since that talk. No way. And it's all because of that. Wow. Because of your talk.

That's amazing. He said it clicked. It made sense to me. I was with him last night. Wow. And he's a great guy. That's incredible. Yeah.

He was big. And he's lost a Backstreet Boy. I mean, it's ridiculous. Yeah, he lost James Childs and James' little pet poodle dog he has. That's amazing. James and his dog. But I think the illusion is spinning my wheels gets me somewhere. It's hard to work extra.

It's hard to not go out to eat. It's hard to stay home from vacation while your friends are going your broke friends are going and spending money they don't have it's hard to live on a controlled budget like a grown-up instead of a child that acts like they live in congress and they spend whatever they want it's hard to do the discipline is hard but you got to choose your heart because otherwise you're going to be broke. And stay broke. It's hard to be scared when your kids need braces. It's hard being scared when – I remember when I was broke, broke, broke.

Dave, I called my friend and said, hey, do you have some money on a credit card? I've got to go to the ER, have something checked out. That was a shameful, embarrassing call I made at 26 years old. Like, that's hard too, right? So you're not – Yeah, asking your parents to move back in when you're 35 years old. Yeah. That's hard. Wanting to marry somebody and saying, I'm going to be more of a burden to them than not.

Like, that's hard. So choose which difficult path. It's not like one's easy and one's not. That's exactly right. Yeah. And so the problem is when you don't choose to take the steps to live like no one else so that later you live and give like no one else, you don't choose to take the steps to live like no one else so that later you live and give like no one else. You don't choose to do the things that cause you to become wealthy.

By default, you have chosen mediocrity. By default, you've chosen to retire broke and hope the government will take care of you, which is well known for its ability to handle money. By default, you're going to be working in McDonald's or be a Walmart greeter when you're 68 because you didn't choose the hard earlier. There's just no easy path. Yeah. Once I get that about something, then it's go time. Then I can go.

It's game on. And I can flip the switch, and so can you, and so can everybody else. But we all have to consciously consciously intentionally choose to delay pleasure and delaying pleasure is emotionally a sign of maturity it's a sign of emotional and spiritual maturity no discipline seems pleasant at the time but it yields a harvest of righteousness chloe is in grand rapids changing the subject hey chloe what's up hi dave this is so cool to talk to you. Um, my, oh, actually my baby monitor. Sorry about that. Um, my question, I am, um, currently working full time and my husband is working full time as well. And we have a beautiful little baby girl. She's 10 months old.

And I was wondering your opinion on whether or not I could basically go part-time. Okay. Can you? Can you go part-time? You tell us. Well, after being on hold for a while, I think I can, but I guess with inflation and the housing market and just the cost of everything going higher and higher, it's a scary jump to make. Okay, here's the deal. I mean, mathematically, I'm sure you've thought about this. Can your household operate on your husband's income and your part-time income? Our current household, yes, definitely.

However, I mean, currently we're in a house that we don't want to be in for the long run. And just looking ahead, I guess maybe I'm coming from more of a place of fear, just watching how the economy has changed over. What do you do? I'm a school psychologist, and my husband is a school therapist. What do you make? I make about $62,000 full-time. Okay, if you go to part-time for three years

and the child is old enough that it starts to, or four years, the child goes into kindergarten, whatever, right? And then you went back to full-time and you went back to full-time in order to buy a bigger house. I probably want to have a couple kids. Okay, then you're making a choice to either be with a kid or have a bigger house. Your choice.

Yeah. You gave me the magic word, Chloe. And this is what you would tell your students, your clients. You want to work part-time and you want to have a bigger house. And those two wants... Well, it's not a bigger house. Or a different house. I'm totally fine with it.

Yeah. Yeah. I'm totally fine with it yeah i'm totally fine with a small house it's more just location a safe location well sure sure and it's not i'm not making any sort of judgment i'm just i'm just repeating your words back here's the deal you have two competing wants and you have to sit down and say which one is more important to us that's it right i mean it definitely is a mama bear my kids are my kids and my family are the most important ever.

There's not a judgment. There's no judgment here. No judgment at all. People who work full-time, moms who work full-time are not bad moms by definition, unless they choose to be. And people who stay in the same old, maybe more run-down house, keep it for Micah cabinets, aren't bad people either. They're just making choices.

Yeah, just which choice. Just consciously realize, but you can't have both because you're not in congress you don't have unlimited funds dr john deloney ramsey personality is my co-host today john is with us different john in salt lake city hi john welcome to the ram. Hi. Thanks for letting me be on. I really appreciate it and feel honored to be on your show. Honored to have you. How can we help? Hey, just wanted to see if a decision I made is reasonable and if there's a way out. I wish I would have met you two months ago.

I hadn't really known about you and what you talked about, which I really agree with. I went and bought a new car about a month and a half ago for $54,000. It was taxes and everything. It was $57,000. It was a big regret because I know what you teach about buying new cars. You shouldn't do it. I'm wondering if it's worth it. It's got 1,800 miles on it.

I can only sell it now for about $48,000. So it's taken that big of a hit immediately. And if it's better to take that hit and try to buy a used car, or should I just stick this out learn from my mistake what would you recommend on that did you pay cash yes okay and what's your net worth um about one one million okay well we tell folks not to buy a new car unless you have at least a million dollar net worth so you didn't violate that um and what's your household income um about 125 okay thousand

are you married yes what's her car what's her car worth that was her car what What's your good man? Well played. Smart man. You know the federal law. Wife gets the good car. All right. And so, yeah. And what are you driving? What's yours worth? Mine's worth probably $15,000.

Atta boy. You're going to be married a long time, John. Okay. So, John, the rule of thumb we use on a paid-for vehicle is don't buy new unless you have at least a million-dollar net worth. You did not violate that because you're going to lose $10,000 in 20 minutes, and you need to be able to absorb that blow, which is exactly what happened to you. Okay? But $10,000 doesn't put you into the street homeless. It does someone that makes $50,000 and has no money.

But you have a million dollar net worth you make 125 000 the other rule of thumb is don't buy things with motors and wheels all combined in your life because they all go down in value that equal more than about half your annual income and you haven't violated that you're right on the bubble though yeah okay so there's nothing in the guidelines that and those guidelines are simply there to say don't put too much money in things that are going down in value and expect to build wealth that's what that means okay and too much money is a ratio so you know like i've got a friend that makes 15 million a year and he drove up in front of my house in a 400 000 car the other day

well it you know that's nothing to him but it's it's obviously a lot and it's obviously going to go down in value faster than yours did and so uh because they 400 000 doesn't go up either they go down too so uh you know but he's he's no dumber than you are or i am or you know anybody else because of that because of the ratio of 15 million to 400 is a lot smaller it's like someone buying a four thousand dollar car that makes 150 000 a year that's his ratio so his ratio is excellent um in that regard but anyway so that that whole idea is to just keep people from doing this. So I wouldn't shame you on this at all. I mean, the only shame I would have, you know, you went through this whole thing. I wish I met you, too.

I might have told you to buy the car if you called me and hadn't bought it because I think you can afford it. You pay cash for it. You've got a million-dollar net worth. The total of your vehicles is not more than half your annual income. It's right around it, but it's not killing you. It's not, you know, you're not over in the stupid column, you know, that kind of stuff.

So I think you keep it and enjoy it and don't shame over it. Yeah. You know, I despise the car, but she loves it. But I don't know. I don't know. Why do you despise it? Did you despise it before you bought it or because of this discussion? One is because, you know, it's right on the bubble of whether you buy new or not,

but it's just a car that has a reflection on the windshield. She drives it mostly, but it's just not a car that I would buy. And, you know, you teach about being together in the marriage on financial decisions that you'd be together on even the purchase of a car, right? Even though she drives it mostly. Yeah. But hold on. You're putting, you're upset with her

and you're putting all this onto that car. Y'all need to have this conversation. Because you hate this car and maybe it wasn't a car you would have bought but you're more frustrated that you feel like you lost or that y'all that she overrode you like y'all there's some sort of relationship being together it doesn't mean you both have to love something before you buy it i mean i'm building a house right now and my wife and the decorator picked a light fixture for one of the rooms. I hate the light fixture, but I don't really care. It's a light fixture, and I care a lot more that Sharon is going to enjoy it,

and it's SWI. Sharon wants it, which is one of the rules in our house, right? And so I acquiesce on that. I don't have to be completely aligned on every single thing and I won't walk into that room and hate the light fixture it will disappear because light fixtures do disappear once you buy them you put them up and no one sees them again you don't people don't walk around go oh there's a light fixture people don't do it so and that includes me and so I will be fine I will forget the stupid thing is there after I've lived in the house 20 minutes,

and so move on. And so you don't drive this car just because you don't like the car. Don't go through all these financial gyrations to go, oh, now I got her, now I got a way to get this car sold. No, no, no, no, no, no, no, no. Yeah, you all sit down and have that hard conversation. Yeah, yeah. But when we say you should be aligned on your money,

it doesn't mean you both have to enjoy and every exact thing exactly the same way now if someone is completely diametrically opposed to something for a good reason we don't do it you know one of us you know when in doubt we don't one of us is standing up and we're just going no cannot do that it's awful i can't stand it we're not doing it and then then that's what that's being aligned but you know you buy something that you really love and i really don't care for but i care that you were going to enjoy it then i can do that that's a line too exactly it's like uh my wife and i are aligned on concerts the one i'm going to tonight she has no interest in going to so i'm going with she's

very aligned about that that's right so we're very aligned on the thing but yeah not not the actual so you're going with james no james is going to be at home even i have standards yeah exactly he's going to be writing sad poetry about his dad in the corner ben is in detroit hey ben welcome to the ramsey show how you doing good how can we help yeah i was just uh calling my main question is if uh i'm trying to get my monthly expenses down in any way possible um I only make like 40, last year was like 40 to 50K a year and I'm trying to see if, I only got like seven or eight grand in my retirement. I pulled out over the years quite a bit

and because of not too great decisions. Ben, what's your question? I'm just trying to see, like, should I take the rest out just to pay off my monthly debt? No. No. Here's why. How much is in your 401k? $7,000?

Yeah. Okay. If you pull $7,000 out of your 401k and you're not 59 and a half you get charged a 10 penalty for pulling it out early plus your tax rate what do you make a year i only make like last year 43 okay so you're in 25 tax bracket so you're going to get charged 25 plus you're going to get charged a 10 penalty that. That's 35%. It's like saying, Dave, I want to borrow money at 35% interest and pay off my debt. No, that would be silly. Mathematically, you would never go and give the government a third of your money in order to get access to it unless the house was burning down, unless it was in foreclosure or something.

So, no, you don't do that. You take an extra job. You get on a tight budget, and you clean this mess up. You can quit spending every Friday night out doing something else. Go to work. That's how you clean the mess up, Ben. This is The Ramsey Show. Dr. John Deloney, Ramsey Personality, is my co-host today. Every dollar is our world-class budgeting app that helps you manage money the Ramsey way.

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We're going to help you work the plan. And EveryDollar does it. We'll proactively coach you to build wealth and reach your goals. Download the free app for iOS or Android or go to everydollar.com and get started on your desktop, however you want to do it. This is the Ramsey Show. Hey, by the way, guys, if you want to help us out, we could use your help. Click the subscribe button or the follow button wherever you're doing this, whether it's YouTube or a podcast or whatever. And of course, share the link or click the share button. Let people know about it.

Leave a nice five-star review. Tell people about us. When you do that, it changes everything in the algorithms. It moves this show along. And we're amazed at our rankings on Apple, on YouTube. Our rankings on Spotify are fabulous. And it's all because of you guys sharing it and talking about it and following and subscribing and all those good things so thank you thank you thank you we appreciate you megan is in salt lake city utah hi megan welcome to the ramsey show

hi thanks for taking my call sure what's up so my husband and I and our two kids are feeling forced out of our house because of a legal situation with our HOA where our HOA will be doubling in cost. And if we sell our house, we're wondering if we should use the equity to pay off our remaining debts or if we should use the equity to pay off our remaining debts, or if we should put it all towards a new down payment since the interest rate is much higher now than when we originally bought. Wow. What is your HOA fee now? $400. And it's going to $800.

Probably $750. Wow. wow probably but hasn't happened yet nope so who sued the hoa basically the hoa sued the construction company because some of the townhomes in our neighborhood have major damage but the HOA just lost. And so now they are responsible for repairing the foundations and roofs of the damaged homes. Wow. That doesn't sound right. I mean, they sued the construction company to get the construction company to fix the things. I don't understand because HOA usually doesn't cover.

Oh, this is a condo. Yeah, it's a townhome. These aren't standalone homes. Mm-hmm, correct. Okay, that's what's going on. Okay. All right, what a mess. So how much equity do you have?

So probably about $120,000. Before your values go down, once word gets out about the HOA fee going up. Yeah. So right now it's worth $100,000. But once word gets out on this, you're probably going to lose some value. Correct. I was thinking of selling it now. We have to disclose it, of course, but we might have a better chance now.

Yeah, because there may be a bunch of other people going on the market, too. The market might be flooded. Yeah, I'd sell it. I'm with you on that. You've got $100,000 or so in equity. How much debt do you have we have fifty thousand dollars in debt okay so if you buy a house with fifty thousand dollars down and you have zero debt what's wrong with that well since now i talked to a lender and we qualify for about a six and a half interest rate um when we bought we have interest rate that hasn't got

anything to do the interest rate hasn't got anything to do you're moving so you're either renting or you're buying you're either you're moving you're either renting or you're buying so your old interest rate doesn't matter it's gone you sold it okay you're going to buy if you're going to buy it's going to be at these current interest rates. That's not going to change. But whether or not we put a bigger down payment will change, like, what type of house we could get and what our monthly payment for that house would be. So we're just not sure what the wisest way to use that money is.

Yeah, well, your interest rate on your mortgage is going to be less than the interest rate on all your other debt even though it's higher than the current mortgage so mathematically you come out better by paying off the debt and putting a smaller down payment down you'll come out with a lower monthly drain by having an increased house payment and uh so yeah and yeah the the reality of this is is that you're but yeah i would pay off the debt and buy whatever house you can afford at that point with the fifty thousand dollars down and and listen i megan i got a feeling this has been stewing and running around like you bone you guys have been dealing with the unknown and the stress of this whole situation for quite some time. And I'm going to encourage you to list your house by Friday. No more wringing your hands, no more worrying, no more wondering.

Make a decision. Your anxiety level will drop immediately. But you guys have been kind of hanging up here in this constant level of angst for a long time over this issue, and now you've come to the conclusion it's coming, so act on it, and you will see your angst drop. Do you agree with that? Yeah, and to clarify what you're saying, so let's say she had a 2.9% rate now it's going to be six and a half so maybe her monthly payment i'm making up numbers here was two thousand dollars a month and it's going to go to again making up three thousand dollars no it's not that much well but what you're saying is so yeah

twenty seven hundred dollars what you're saying is paying off all the debt all the car notes everything you're going to end up paying off $1,000 a monthly stuff coming out of your house. And here's the thing, $50,000 at an extra 3%, 3 versus 6, right? $50,000 that you don't have because you paid off debt at an extra 3%. Three times five is $1,500 a year. This whole discussion is over $100 a month yeah difference yeah that's it so she puts down another 50k saves her 100 bucks a month on the payment that's it so it's it's just the math is bogus there's no there's nothing here nothing's happening here but there's so much smoke and fire about the interest rate yeah but it's like oh god interest

is higher yeah it's it's a hundred bucks a month in your situation because you paid off your debt instead of putting down an extra 50 that's what it changed it and so zippy you know i mean in the scope of your life that's not the problem you got you got a lot of bigger problems get this house listed so john talk about the idea that when there is that the unknown or the sitting on the fence on an unmade decision is more stressful than a hard made decision. Yeah, I think it goes back to that illusion that we sold people for 150 years that mental health was getting all the right thoughts in the right order. And when you have a situation like this, it'll never get the right order. They just swirl and swirl and swirl and so what do we do

we think we ask more we read another book we go and so instead of just doing the stupid thing you have to act your way oh and and uh by the way unfollow or defriend the hoa facebook group that's the other quit talking about it because that's where hell lives is in hoa facebook groups the devil he that's where he takes up resident it's a portal straight into hell if a bus is coming right at you and the lights get real bright and all of a sudden everything goes dark and you open your eyes and you're staring at a facebook portal for an hoa group you didn't get in you didn't get it you didn't make it you didn't make it i don didn't make it. And people live on them. People live on them.

Oh, they're wrong people. That's what I'm saying. And when stuff like this is going on, when a negative situation in the neighborhood, it's like, oh, it just goes bananas. It's gasoline on a fire. It's just like, woo! Woo! Put the house up.

Unfollow, defriend. Get out. Get away from that stuff and put your house on the market and sell it and get out of dodge now this is the ramsey show Thank you. We'll see you next time.