The Ramsey Show - App - Do I Really Need a Financial Advisor? (Hour 3)

Episode Date: April 2, 2024

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. I'm Dave Ramsey, your host. The phone number here is 888-825-5225. George Campbell, Ramsey personality, number one best-selling author of the book Breaking Free from Broke, is my co-host today. Thanks for joining us. Alicia is with us in Chicago. Hi, Alicia. Welcome to The Ramsey Show. Hi, Dave. Thank you so much for having me.

My question, I've got about $3,000 in collections that me and my husband owe. We have it negotiated down to about $1,500 roughly. Most of that is in writing. Some of it is not. The question is I was going through some of that today, and while I was reading it, they were saying that they were going to report it on my credit report as paid in full with partial payment if I decide to do that, and then I'm going to owe taxes on some of it. So I have the money to pay the full $3,000. The question is, is that which route would really honestly be better at the end of the day? Is it pay the full amount or to pay the full $3,000. The question is that which route would really honestly be better

at the end of the day? Is to pay the full amount or to pay the partial payment? Pay the amount you've negotiated down to. Pay the amount. May I ask why? Sure, sure. Because technically they're supposed to send, and they don't always do it, a 1099 for the difference.

Okay? So let's say that, so you have a $1,500 you've negotiated the $3,000 down to, so you've had $1,500 in debt forgiveness. Does that make sense? And debt forgiveness on 1099 is taxable, and you would report it on your tax return when you get a 1099 from them and they're supposed to send a 1099 to you and to the others they don't usually do it they usually just use that as a thing to mess with you um uh now taxes on 1500 dollars if you're in a 30% tax bracket or 500 bucks. So do we pay them an extra 1500 to keep from paying 500? No,

no. Right. That's why I said that. So that that's the math on it. Now I will add to it. There's a different component and that is a moral or a spiritual component where you're looking at it and you feel like, you know what?

I owe that money. I should pay it. I've got the money. If that's the case, then you should pay the money on that basis, but not because of the threat of taxes. Okay. Now, so my dilemma is the fact of I'm trying to clean up my credit out of a bad situation that me and my husband got ourselves into.

Yeah. my credit out of a bad situation that me and my husband got ourselves into yeah and as far as a credit position which it doesn't even matter because it's all going to be considered a pay in full or a charge off anyways yeah both are collection item and both damage your credit one damages it more because you didn't pay the bill in full but it's not certainly not the end of the world besides that you don't need to be borrowing a bunch of dadgum money anyway so you don't need credit okay okay perfect is that yeah what would you need the credit for do you guys have any other debt um no we don't have an uh well i shouldn't say no we do have a student loan debt of um 17 000 that needs to be paid off and we have we've started budgeting and

we've started we should have that cleared up by the end of the year this year um that's the way it's looking at and we would like to in two years be able to buy a home you will be and then it will be two years two years from now none of this will it'll be on there but it won't count sufficiently against you to keep you from getting a home. Okay. Yeah, that's not – it's not going to do enough damage to keep you from getting a home. Because I'm also guessing that if you're in this situation, you've got other bills that are already paid that were paid late.

Yeah, yeah. And most of those I've been able to work with them, and I've gotten them to take our late payments off of our record except like one late payment the rest of them they have all absolutely agreed and said not a problem and I've taken those all off you better check and make sure that actually happened because they they again don't follow through very well that stuff is usually done by downloaded on by download computer files and honestly the people keying in the stuff are not that bright usually so you better check it you better keep a constant watch on your credit bureau and see if all that's really happening or not so uh which is good news for everybody you ought to check your credit anyway even if you're

not going to be using it you got to know what's on it make sure you can pull that one's been at mine's been at zero and frozen for decades now as soon as they allowed you to freeze it, I froze it. And of course it was zero because I hadn't borrowed money in 30 plus years. So I just don't have any credit. And if you go to annualcreditreport.com, you can pull that for free once a year from all three credit bureaus. And I think it's wise to do that

just to make sure there's no fraud. Especially in your situation like she's in. Yeah. Making sure there's no fraud and making sure there's nothing going on. Everything's accurate. Yeah. Even the stuff that you did borrow.

In my case, I'm so far removed from that that it's not necessary for me to check it. But it is a good exercise to check it once a year. All three of them, too, because the different ones come up with. There's 52% of the credit bureau's reports have errors. Oh, wow. 36% have errors that are so egregious that they would keep you from getting a loan for the wrong reason

or keep you from getting a home for the wrong reason, a home loan, which is, yeah, that's a big deal. All right, Jeanette is in Kenton, Ohio. Hi, Jeanette, how are you? Hi, I'm good. I'm so excited to ask this question to this duo. Dave, you're awesome. You've got it started all. And George Camel, I love Smart Money Happy Hour, and you're just a human version of an exclamation point.

Oh, wow. Thank you. Quite the compliment. Wow. I would need a financial advisor. My husband and I are in Baby Steps 4, 5, and 6. We're working to pay off our house in the next three years. And I have a hard time justifying an expense for somebody to tell me to do what I'm already doing. So I'm curious to know what you think about that. Well, why do you think George and I use one? I honestly don't know. I don't understand what they would tell me that's different than what I'm already doing. I found that when I have a third party looking bird's eye view at my entire financial picture, they see a lot of things I don't.

And they live and breathe this stuff. So they're thinking about tax strategy, estate planning, giving strategy, ways to minimize taxes, ways to maximize my investments. And so they're looking at things from a very different viewpoint than I have. It's not just, hey, can you help me pick a fund? And I can go pick a fund out of the 8,000 and do a pretty dadgum good job. I've, you know, been licensed in that. I've done that. I used to do that for a living. You know, and so it's, I'm very competent and capable of doing it. It's certainly responsible enough to do it. But what I don't have is I don't spend every day looking at mutual funds.

Like the number of hours I spend looking at mutual funds in a given year is very small. Because I just buy stuff and keep it. I don't think that much about it. I look at my statements and I keep moving. But they're out there moving around in that forest all the time and sometimes my guy will call me up and go hey there's this thing happening you may or may not want to do it but i just want you to know about it and he teaches me something i didn't know before about a particular fund or fund class or whatever again it's and what we pay them is a very small amount to manage the existing account.

It's, there's not that much to it. I'm not paying somebody a big, huge annual fee. This is just, you know, we're paying, I pay them when I purchase. George pays them on the balance of his account. Rachel pays them on the balance of her account. She runs that managed funds process just like George does. So I think, we think it's worth it. That's why we endorse SmartVestor Pros and why we use them personally.

This is The Ramsey Show. George Campbell Ramsey personality is my co-host today. Thank you for joining us. Our live event season is in full swing. We've got three events coming up where you can go and be with us and experience the different Ramsey teachings live and in person. The big dog is the Total Money Makeover weekend coming May 10th and 11th. It is almost sold out. You can still get tickets if you go ahead and do it. This two-day event is

the ultimate motivator to get you fired up and get your friend, your spouse fired up, get everybody on the same page, get out of debt, become wealthy, be outrageously generous, have a total money makeover. George will be speaking, Jade, Rachel, of course, Ken Coleman about how to get your income up, Dr. John Deloney about the effects of this on relationships and stress and how to win in these areas. We're going to give you the tools to win. We're going to walk you through these time-honored processes.

And it's a full-on experience. Lots of Q&A, lots of stuff happening over the whole weekend. It's here on the Ramsey campus. And it's a Friday evening, all day Saturday. Come in a little early on Friday. Watch this show happen on the glass. Smart Money Happy Hour that night as well. Smart Money Happy Hour is one of the things we do to kick it off that night,

and it's one of the things. So you definitely want to come to this. May 10th and 11th, go to RamseySolutions.com slash events and get your tickets. George and I will be doing Dave Ramsey's Investing Essentials, a two-night virtual event, 21st and 22nd where we're going to go through material we were working on some of it today polishing it up uh that i've really never taught it is um my personal playbook on investing including my real estate and what i do i'm days, my friends that I run with are typically, you know, 10, 20, 30, $100 million net worth people. And what do they do? And, you know,

what are real people that are real investors do, not some character on TikTok trying to sell you something. 17-year-old on TikTok showing you how to do it. Living in your mother's basement, yeah. Yeah, the calculations you were walking us through in the meeting, Dave, I think is worth the price of admission alone. So if you want to really do this the right way, Dave's going to really show some stuff you've never talked about before on stage or on air. Yeah, well, I mean, even our content people are going, I've never even heard that.

Well, I don't teach it. I just do it. So anyway, Dave Ramsey's Investing Essentials, May 21st, 22nd, tickets at ramsaysolutions.com. And then this fall, October 24th through the 26th, the Money and Marriage Getaway with Dr. John Deloney and Rachel Cruz. But those two together, this is fun. No question.

This is a barrel of monkeys right there. I'm just telling you. You have a blast laughing about your marriage, learning about your marriage. They get into stuff. This is adults only. I mean, we're going to – they get you. They teach you what you need to know to win in marriage, and Dr. John is not ashamed to go there.

If they don't invite me to speak, I will pay to be there. That's how much I love this event. Oh, it's really good. It's really good. And we can probably get you a ticket. I know a guy. Yes. That was my way in. RamseySolutions.com slash events. Check it out. good it's really good and we can we probably get you a ticket i know a guy yes so there you go that

was my way in ramsey solutions.com slash events check it out and watch and see what we're doing probably more coming soon lee is in buffalo new york hi lee how are you hi dave it's leah asking it's leah leah i'm sorry i said how can? It's okay. Okay, my husband just got terminated about two weeks ago. Wow. And we're oddly too calm about this, I think. I'm a little thankful. Okay, what did he used to make? Okay, my husband was about $60,000.

Uh-huh. And what used to make? Okay. My husband was about 60,000. Uh-huh. And what do you make? I am a full-time student right now, finishing my associate's degree. So how are you eating? Pretty well, actually. Where's the money coming from? Where's the money coming from for pretty well? Well, like I said, he just got terminated.

He is on a stipend until the end of may okay a severance package yes okay very generous okay through the end of may so we've got two months almost yeah from today what did he do what what do you do for a living, I mean? He was a warehouse supervisor. Why was he terminated suddenly? Okay, very odd. They were told that they were going down different paths and that the job was going in a different direction. We were blindsided, completely out of the blue. So it's more of a layoff than termination.

It's permanent. I know it's permanent, but a layoff is permanent. It doesn't sound like he did anything wrong. I believe he didn't. Was there a lot of conflict and toxicity leading up to this? There was a lot of toxicity with a new boss who's been there about just over a year. Okay, who doesn't have the chops to actually say why you fired your husband. Okay.

Correct. So that's what it was. It was not we're going in a different direction. It's I don't like you, you're fired, and I don't have the guts to tell you why. Yes. Okay. All right. So how long has your husband been there three years okay cool all right and so why are you so calm because you got this thing till may i think that's the reason i'm we're both very oddly calm at this time i don't know i feel at peace with it, but I just, um, we've been following your program for 19 months, paid off the majority of the debt. Thank goodness. Um, we do have one credit card. It's at 13 and we have one car, which is about 11.

Okay. Besides the mortgage. Yeah. So I would do what you're suggesting and say we're going to put full stop on any total money makeover debt snowballing and just push pause and pile up cash because we're right square in the middle of a storm, right? And then here's what you've already done, and I don't like it, and I want to encourage you to stop it, and that is he came home and has grieved this and is angry and hurt and wounded and betrayed and doesn't know what he did and all this for two weeks. I want him to go get a job now because if he gets a job like this week making as much

or more money, this severance is a signing bonus. It ends up being a blessing that he got fired. Go get a job making 70K this week. Okay. Go after it like your hair's on fire. Okay. Because you could every day between now and the end of May that he gets a job, the sooner he gets it, the more your signing bonus is called severance that you didn't need.

And the faster you're out of debt completely. All of that money could be used to accelerate your debt snowball. You follow me? I do. Yeah, so don't be calm. Don't be panicked. Don't be panicked, but be very fired up and wired up about, yay, I'm away from that twerp.

I don't have to work there anymore. Let's go make more money, and let's do it right now. Okay. Yeah, don't wait until June. Now, I have one more question. We have about $15,000 in liquid assets, but we might be forced to withdraw from the 401k to cash it out. Why? Should we?

Why? They've been very pushy about it. The company is based out of a different country. Well, just take your 401k and roll it to an IRA. You don't take it out. To an IRA. Don't withdraw. You want a direct ro out. To an IRA. Don't withdraw. You want a direct rollover.

Direct rollover. Yeah. Okay. You don't ever want to see the money. Yeah, get with one of the SmartVestor pros and just roll it. They can fill out the paperwork. They'll deal with the weird company stuff. And, you know, you can get some basic information.

But, yeah, just roll that. You don't need to withdraw it. And leave your liquid cash sitting there and pile up as much liquid cash as you can and your husband ought to be working like six jobs uh side gigs right now while he's looking for work and then go get work immediately let's create so much income in this 60-day period of time and a new job in the midst of it that this whole thing ends up being a blessing and you look back and go thank god he got fired by that toxic twerp you know that's a big deal that's big but mindset is when i get fired the first thing i do is nothing it's normal because you get knocked flat on your

back and i'm just saying get up get up shake it off, go, go, go, go. Instead of like, don't put me back in, coach. That hurt. You know? And that's true. That's the way you feel. You get in this foggy haze. Yep. You got to snap out of it.

Exactly. This is the Ramsey Show. Thank you for joining us, America. George Campbell Ramsey personality is my co-host today. Today's question comes from Mike in Washington. Here it is. We got, should I reduce the amount of car insurance coverage on an aging car? My car is eight years old and worth $6,000 to $7,000.

Should I keep all the, quote, bells and whistles, or move towards a liability-only type of plan? Well, what you would do if I were in your shoes is price it. Sometimes the bells and whistles really aren't that expensive. Bells and whistles, in your case, you're calling collision, which replaces your car. So if you have a $7,000 car, do you have $50,000 in cash? If you don't, you need to keep collision because you need to be able to write a check and not touch your emergency phone and replace this car to self-insure.

Now, I'm in a position financially I could self-insure through all of my vehicles easily. I choose not to because I looked at what it costs me to insure a car that's worth X. I spend Y and I'm basically buying insurance and it's worth it to me to do that. To transfer the risk. Yeah, exactly. The car is 50 grand. It costs you a grand for that coverage. It's worth the peace of mind for you to just pay the grand. It's a risk transfer and it removes, in my case, some of the liability as well because the puts an attorney with the insurance company between me and an accident. And I imagine when the attorney sees the name Dave Ramsey, they get a little excited. Yeah. On the other side. Yeah. That's that's they get really excited because they they sometimes mistakenly think that means they're going to get

something and what they didn't really grasp was that really means they're in for the fight of their life but anyway so but that's the insurance company's problem right so um yeah that's uh in other words i had that when i remember the most mike like this is i had an old jeep we had down at the lake house and it was about 3 000 bucks and i got i thought why do i keep collision on that that's dumb i got teenagers there's one reason but at that time but um and i looked up and i so i asked the insurance guy said hey why don't i drop collision he goes it's gonna save you 150 a year they want to ensure this worse than i don't want them to so for 150 sold to the man in the green jacket yeah i was just checking my numbers to see what my collision is out of my

policy it's about 50 of my premium is going toward collision okay and on a six or seven thousand dollar car it's not a lot of money so you probably unless you've got a big pile of money to self insure you need to keep the collision in place. Most likely. You're going to look and look at the trade-off, the dollar spent versus having the coverage. It usually is a good buy. It might be $100 and you go, all right, I'm willing to keep that. Now, if you've got a super bad driving record or I don't know what you're driving, you're driving some weird car that gets stolen all the time or something like that,

like a Hyundai or something like that uh like a hyundai or something like that but yeah i can't get a hyundai covered right now it's awful and so um sorry hyundai i didn't do it uh you guys did when you built them where they could be stolen so easy i've heard about and i think he is as well are very easily stolen same yeah same mess yeah uh so anyway there's a theft problem on them for some reason um well i know the reason i'm not going to go into it i'm not going to help with it so anyway the um yeah look at it unless you got some kind of weird car situation it's not going to cost you much to cover this and when you actually look at the actual savings you're going to go it's not that much money. That's what I think you're going to do. That's what I did in most of the cases I've looked at. Catherine is in San Diego. Hi, Catherine,

how are you? I'm good. Thank you. Thank you for taking my question. Okay, so I'm waiting for my final tax returns. I hired a company to negotiate and get all my taxes caught up. I ended up becoming self-employed back in 2015. However, I've been learning a lot, unfortunately, the hard way, and my bookkeeping is a a mess and now I owe a lot of money and I didn't you haven't paid taxes since 2015 uh no I paid I paid I paid some but not all of it how much do you think you're gonna filing up um it's probably gonna come out to about 50 thousand dollars 50,000 50000. Do you have any money? No.

No. I mean, I just got the $1,000. I just started listening to you guys. What's your income? It fluctuates, and it goes from $30,000 to $50,000. You're still self-employed? This is a business you run? Yeah.

Yeah, this is a business that I run. And just for the last three years, it has stayed at 50. And I'm working a part-time job. What other debt do you have? I just... When my debt... Back in 2022, everything... I didn't make much money. So I ended up accruing, I paid everything off and then I started using credit cards again.

So I'm back up at $10,000 in credit cards. So you have IRS debt of probably $50,000, credit cards of $10,000, anything else? Yeah, that's it. And then my regular rent, and those are my necessities of rent and food. So you make $50 on a good year, you owe $60. Mm-hmm. Let's put it that way. So we need to get her in.

Is your credit trashed? I beg your pardon? Is your credit trashed? No, I've been keeping up with the payment. Do you own a home? No. I've been keeping up with the payment. Do you own a home? No. Okay. I just had an accident two years ago.

It was a brand new car that I was already like two payments away from paying it off, and then it got totaled. That was the bad year where I only made, I think it was about, I made like 22,000 that year. So, um, when my car got totaled, um, that was it. And I luckily had bought another car, um, that was cash. It's an old car. It's a good car. It's a Toyota. And, um, for some reason I just saw this person selling it and I'm like you know what I'm gonna buy it because you never know and sure enough the new car got totaled so I've been driving my Toyota and of course I'm not buying a new car until I can pay something cash but you don't have any money no so the money

from the money from the insurance from the total car is gone it's gone because it was paying the bills after um because like i said that was the bad year where i have used that money to keep up with the rent and to keep up with paying my the irs is going to be penalizing you and taxing you until you get this 50k cleared you can put it your guys that are working with you your tax folks can probably fairly easily negotiate a payment plan. It's going to be a substantial payment until you get the 50 cleared. But that 50 is going to be with you a while if you only make 50. So what I would love to see you do is, I doubt you can do it,

but if your credit union will loan you the money to pay the IRS, I'd rather you owe the credit union than the IRS. It's less interest, and they're much easier to work with. They're more human. And so I want to get the IRS out of your life as fast as you possibly can. But if you're going to be fooling with this for three or four years, and you may be if you don't change your income, then we're just going to work a

dead snowball we're going to clear these credit cards and but i want you to fight to get your income up and try to add some more because i mean even five or ten thousand dollars more than you're making now a side hustle or whatever uh thrown at this 50 you can start chunking it and getting it away and getting it done and of, of course, no more bleeding. You've got to get your books in order, and you've got to stay current from this point forward so that you don't just trade old tax debt for new tax debt by not taking care of business again. So you really, really, really have to go in and have a healing in this area. And you might need to go should i be

running this business right now should i go get a full-time job working for someone else making even 25 30 bucks an hour would give you a raise compared to what you're making now so that's an option to consider this becomes too much or both yeah i don't know what the business is but if you can do the business and keep the 50k plus a full-time job make a 50k then then you can change the numbers like a year. You know, that kind of thing. So I'm going to be fighting and scratching and clawing to try to get my income up and to try to get the IRS out of my life as fast as I can if I'm in your shoes.

This is The Ramsey Show. Our scripture of the day, dear children, let us not love with words or speech, but with actions and in truth. First John 318. C.S. Lewis said, one of the most cowardly things ordinary people do is shut their eyes to facts. Ooh.

Deb is in San Antonio. Hi, Deb. Welcome to the Ramsey Show. Hello. Hi. What's up? Yes. We have recently found out that our daughter is in need of prosthetic jawbone joint replacement on both sides of her face. Wow. And although she's in a tremendous amount of pain, our insurance company considers this a cosmetic procedure, and they do not want to cover it.

The part they will not cover is in the ballpark area of $65,000. Wow. And we're wondering, what is your advice to people in this situation? We do not have an extra $65,000 hanging around. This is a serious need. How old is your daughter? She's 22. How long has this been going on? She started having a lot of pain about a year ago. So we went to an orthodontist and they said, oh, there's a serious problem here. We're going to send you to

a specialist. The specialist said, we think we can help you. We need to put you in braces for a year. That year came and went recently and they reevaluated and said, oh, sweetheart, we can't help you. We need to send you to a different specialist. And so we recently saw that specialist who said, oh, dear, your choice is prosthetic shawl bone joint replacement. Okay. And you've seen only one person. We saw the orthodontist here. The one specialist.

You haven't gone and gotten a second, third opinion on this issue. The specialist we saw locally was very good. The one specialist, you haven't gone and gotten a second, third opinion on this issue. The specialist we saw locally was very good. He said, you know, we can possibly fix this by splitting the upper jaw. $65,000 and you're going to take my jawbone off. I'm getting second, third, and fourth opinions. This is our third opinion. No, it's the first opinion, and you liked it because you liked him is what you just told me. Then you changed your story.

I'm sorry. I didn't mean to explain it that way we we feel very good that we're in good hands we've talked with our orthodontist our dentist the specialist in our town the specialist in the other town i don't know who else to go to you went to a specialist in the same field in a different town um and took her there and he looked at her, she looked at her and gave you the exact same diagnosis? Well, we have an MRI because her jawbone right there is gone. Wow, what a horrible thing. I'm so sorry. Well, the only thing I know, the only thing that we've had experience with in the medical community is to always get lots of different people looking at a problem that is a severe, not just simply one that I like.

And you've got one plus one looked at it out of town when you sent the MRI over. If I were in your shoes, Tansy, you ask what we would do. What we would do is we would keep working the problem because there may be another solution that is insurable. I don't know. I don't know anything about this from a medical perspective, zero. I have no knowledge of it. But I'm just working a problem. I'm working a project here and an issue, and my baby's hurting.

And I can hear her pain in your voice. And so, um, and I don't blame you for, for, you know, wanting that pain to go away. That's a good mom. So, but I'm going to, I'm going to try to figure out that. Then the second thing I'm going to do is let's say that you talk to maybe two or three more people in um you're in san antonio so you're you know you're in dallas and you're in houston talking to people and um in personal visits and they're looking at it and saying oh and then you you know you ask around that community and you find i'm going to become a dadgum expert if i'm in this situation over the next two months if i'm if my baby's hurting in this situation that I am I'm way too old and ornery to trust one doc on something that's this that's this that's this unusual this is not a

simple thing that happens every day to somebody I've lived my whole life I've never heard of it happening before today so it's not very unusual would you agree with that yes okay so that that for that reason i'm going to just keep researching then the second thing i'm going to do is once i have established for sure in my mind and you may already have you may not want to take that piece of advice that's fine that's okay you you ask what we would do we're here to help you we'll tell you what we would do once i've established that that it is absolute necessary situation, that it is not cosmetic, it's a dadgum medical problem, then we're going to start talking more sternly immediately to the insurance company. As a matter of fact, I may go ahead to start that conversation now to the point I might hire an attorney to make them provide the insurance money. So you might spend three or four or $5,000 on an attorney instead of spending 65,000 on the

procedure and make the insurance company insure it. Cause I don't know, I have no knowledge, but I'm going to, uh, I don't accept the first answer from the doctor, and I don't accept the first answer from the insurance company. I am cynical. I'm suspect of all of these people until I get this problem solved, okay? I don't mean that in a mean way. I'm just saying until the problem is solved, they're part of the problem. Okay. And so, and that's the way I'm fighting it because I'm a warrior-style person.

Think about it this way, Deb. If I were to pay you $65,000 in order to fight this as your full-time job, would you do it? This is your full-time job. And so that's how I look at it. And I was just doing some quick research online, and someone went through the same thing. And they said it was $50,000 for all of this. It was a huge battle with insurance, but eventually most of the same thing. And they said it was 50K for all of this. It was a huge battle with insurance. But eventually, most of that was covered.

And they, again, had to fight. They said these surgeries are medical, not dental. So as long as you're in that work. Where'd you find that? I just did some Googling, Dave. I'm very sleuth-like like that. So there's stories out there. I would connect with people who have been through this and ask them how they did it, how they fought it,

just to give you some hope that it can be done, but it's going to be a journey. Fighting insurance companies is not fun. And so you got a, I guess, so the reason for my cynicism is, let's be real blunt, you got a bad diagnosis or a bad treatment plan the first first time you go to the orthodontist spend a lot of money honey but we spent a year in pain and oh didn't nothing zero so why do i you know and then he's going to recommend well i don't care what he recommends because last thing he recommended sucked so i mean i'm pretty much firing this guy you know i mean that you don't get like three choices on this stuff so um yeah figure out what is if it's the only way and then what is the best

way then if it is when i was a younger and less nice version of dave um my wife was diagnosed before we had children uh with uh being pregnant oh we went and told everybody a baby's on the way we go in for the first thing the ob goes oh i messed that up and i went dude you got one job how do you mess babies and you mess up the baby job you're fired and he goes what do you mean i said we'll be transferring her files somewhere else your whole thing you do is to find out if babies are coming and make them come and you didn't make that hat and you screwed that up and i and now i gotta go tell all my relatives no babies on the way yeah dude you are so fired and my wife's like and i and i wasn't even that nice um insurance like you embarrassed me and i said yeah well you yeah he embarrassed you what he did she won't be seeing him again. It's fine. So, yeah. Oops.

Until you run into him at a grocery store 30 years later. That's why they call it practicing medicine. That is scary. So we're just giving it our best shot. Yeah. So anyway, we obviously had three wonderful children later and had a wonderful OB experience. One guy took care of all of those. And he was right every time.

Family friends. So I'm not a perpetual jerk to all doctors. That's not the point. But if you've got one job, dude, one job, and you mess that one up. That's two dreams today. I wanted to be your tax guy just to see you irate, and I want to be your OB now. Your failed OB, Doc? Yep.

Epic fail. Dave, never mind. I did not see. I thought I saw something. Never mind. Epic failure. Epic fail. Dave, never mind. I did not see. I thought I saw something. Never mind. Epic failure. Epic failure. Golly.

Yeah, I read the test panel wrong. Yeah. You flunked. When I happened in college, that's called an F. Yeah, out of there. Done. That puts this hour in the books. We'll be back with you before you know it.

In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. We'll see you next time.