The Ramsey Show - App - Don't Avoid Getting Married Just to Keep Military Benefits (Hour 3)

Episode Date: September 11, 2019

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🎵 Live from the headquarters of Ramsey Solutions Broadcasting from the Dollar Car Rental Studios, it's the Dave 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. I'm Dave Ramsey, your host. Thank you for joining us. Open phones at 888-825-5225. That's 888-825-5225. Zach is with us in Georgia. Hi, Zach. Welcome to the Dave Ramsey Show. Hey, Dave. How are you?

Better than I deserve. What's up? So I was originally kind of calling you about I'm at a fork in the road when it comes to career path, but I'm honestly curious to see just what you think about my financial situation. I feel like I might need a reality check, but I feel like it might be good to hear a voice outside of my industry. Okay. So what's the options? So I'm currently a full-time realtor here in Atlanta, but I've kind of set that aside and gone towards the flipping side of the industry, which I really enjoy. But at this point, I'm looking to either kind of get out of full-time retail sales, like working with buyers and sellers, and possibly go towards a more service-based industry,

which is what I've kind of always wanted to do, and possibly look into getting licensed as like a firefighter or a police officer. So you were a real estate agent, and then you were were flipping houses and now you want to be a firefighter no no no um as i was a real estate agent i was also flipping houses that's just kind of a the part of the industry i lean towards i was still where i'm still working currently with buyers and sellers okay but i'm just on the day-to-day working more in the investment side. But you don't want to do that anymore? I want to continue working on the investment side and kind of get away from working with buyers and sellers.

Why can you not make enough doing that? Why do you have to have the other job? Really, it's just the level of, you know, I just turned 20, and so as a 19- or 20-year-old working in retail sales, it's... So you haven't been doing either one of these for very long? About a year and a half. Yeah. I got my license as soon as I turned 18.

Me too. Okay. Yeah. Hmm. So I guess the thing you want to back up your reality check is this. It sounds like you're kind of all over the place. I mean, it's just one thing to another to another to another all in 18 months. And so what I think you need to settle on is say, okay, I'm 20.

What do I want to be doing when I'm 30 or 35 years old? Yeah. What do you want to be doing when I'm 30 or 35 years old? Yeah. What do you want to be doing when you're 30 or 35 years old? Really, something service-based. That's too vague. Yeah. What do you want to be doing? You can be a garbage man if you want to be service-based.

So what do you want to be doing? I want to be, that's a difficult question for me. That's kind of what I've struggled with. Yeah, that's what you need to spend some time on. Yeah. Okay. And when you land on that, and Ken Coleman always says in his materials, he's our career guy around here, that where your talents,

your natural giftings intersect your passions, the things that get you juiced. And usually that's what it is. So what is it about the real estate world that you did like? So, I mean, I love real estate as, you know, a asset and, you know, the way I can as as a person, interact with it. But just getting into the responsibility of being in charge of someone's largest investment is really just something, it stresses me out. It stresses me out a lot. You know what I mean?

I mean, I'm sure you've dealt in plenty of real estate transactions, and they never go smooth. And just monitoring over that 24 seven is very stressful. Having people call you at 11 o'clock at night because you know, they're, they might be, uh, on a different time schedule. Trying to look at a house is, is not great. Um, I don't like being on the clock 24 seven. Okay. What was it you did like about it oh i'm sorry i'm sorry um i've i just you know i love houses i love real estate i love what real estate can do for people um i love the investment side i have no issues with it and that's kind of why um i was looking into something as you know service

based as being like a police officer or firefighter because i can kind of maintain that aspect of being in the business uh because you know they work three days a week 24 hour shifts and then that leaves me time to kind of do what i'm also you know it kind of gives me the best of both worlds okay yes you you should not go to be a firefighter or a policeman you have zero passion for it all you're trying to do is figure out a way to get a job where you can get your other get to get to do your real estate business yeah those two those two businesses or those two careers are too all-consuming to a get in and then b while you're doing them in order for you to have still have margin emotionally to be able to work on the other stuff you need to find something else to do to earn some money that gives you some flexibility while you work on your real estate business, your investing business.

But you're figured out you do not want to do retail real estate. You don't want to list houses and sell houses and carry people's kids around and throw them up in your back seat to look at a house, all that stuff. You don't want to go through all that. You don't like dealing with the public. You to deal with the asset you want to deal with the numbers you like the transaction um and that's all fine that's all fine uh and so that's what you're looking for is something that falls in that area but the other thing is just a distraction that's why that's why it was so weird it just didn't fit when i was talking to you about it

it's coming out left field and then we finally get the bottom of it is you don't really want to do it you just want to make some money in a way that allows you to do the other stuff and you could make money doing a lot of stuff that's a lot a lot easier entry than um firemen or policemen and so yeah i i would not go that route. Hold on. I'll pick up, and I'll have Madison pick up, and we'll send you a copy of Ken Coleman's book, The Proximity Principle, to help you with this process.

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Visit linkedin.com slash Ramsey. Terms and conditions apply. Mitchell is with us in Florida. Hey, Mitchell, how are you? Doing well, sir. Yourself? Better than I deserve. Welcome to The Dave Ramsey Show. How can I help? Thank you, sir.

Well, I've been listening for a little while now, so I appreciate everything that you've been doing. My question involves, I've been recently trying to get my girlfriend involved with the program as well, and it's going okay. I am about $30,000 in debt, just shy of that. I make about $35,000 a year on a good year. And I'm trying to figure out here, I've listened to your program every single day in the car. And every time I hear you say, in regards to a girlfriend scenario, you separate your debts. So we have done so. We are both going through Financial Peace University right now. But my question is, we cannot be legally married because she is a military widow, and we would lose a lot of the benefits of that for the kids' colleges, income.

So my question is, how do we run the baby steps through Financial Peace University? The military does not pay the children of a deceased soldier the benefits if the widow remarries. Is that what you're saying? Yes, they do not. So if we were to become remarried, the children would lose the college benefit. She would lose a lot of the Social Security income. So massively the benefits would decrease. She cannot legally marry as a result of what the VA would do. All of her benefits would basically be taken away.

How old are you? I am 28. 28. How old is she? She is 39. What does she earn? I believe it's around $45 a year. How old are these children?

One is at a house. He's 21. We have a stepdaughter here in the house. She's 14, and our youngest is 7. Okay. I'm sorry. So the lady that you are dating has three children apart from you, or you have a seven-year-old with her?

No, sir, they are all my stepchildren. They're all your stepchildren. So she has a seven-year-old, a 21-year-old, and a what? A 14, sir. Okay. The one has already gone through college and is done, and I was all paid for through the VA and the military benefit of being a widow. Um, and the same would be done for the 14 and the seven-year-old. Um, the 14-year-old were already working on what she's going to do through college. Um, and like I said,

me and her going through financial peace right now. Um, so that my, my game plan for me, separately, is to be about debt-free in 18 months. That is my goal. Okay. Well, I mean, we work with the military a lot, and we certainly work with the widows and widowers of military personnel who have lost their lives in the service of the country. And this is the first time I've ever run into this. It's illogical to me.

Now, the Social Security part is not. That would go away. But I'm not sure you've – I really want you to get some further information on this. I'm not prepared to argue with you because I don't know. But it just doesn't feel like the military to me that they take away the kids college benefits because the widow remarries uh now the social security stuff definitely and here's the thing here's the premise that i start this whole conversation with though mitchell um i am not going to form my life around dodging regulations.

I'm going to live my life properly, and the regulations fall where they fall, and I'm going to go. And so if this is the lady of your dreams, and you are the man of her dreams, and you're going to become your stepchildren, then and if we lose some benefits, certainly going to lose Social Security. There's no question about that. I'm going to work around that and we're going to get married. And I'm going to say for these kids college and they're going to, you know, the other

two are going to work their way through school. We're going to get scholarships. We're going to work on our careers, and both of us are going to try to make more, all of those kinds of things. But for you to, I'm, you know, if you were my little brother, I wouldn't tell you to shack up with her so you could get the benefits. That sounds like some kind of welfare recipient program or something.

You know, I don't want to get married because I can't get my check. You know, I just, I'm not, that wasn't what you said. You didn't say it with that tone. I didn't say that, but I'm saying people out there do that. And I'm not, I don't want to be that guy, and I wouldn't want you to be that guy. And so if I'm in your shoes, I'm going to go in and do a lot more research and a lot more pushback with a congressman, with some military organizations about this lady receiving her benefits properly, even if she were to remarry. I don't know about that.

I'm not positive. It just doesn't feel right. It's not right if they're doing it, but welcome to some things the military does, some things they don't do well. So hopefully that's not the case but just losing the social security and let's just say that you're you're all your information is exactly right i'm still gonna marry her and we're gonna work the kid college thing out but i'm not gonna not marry someone so i can get a bunch of checks it's just not it's not my brain works. It's not how my life works. It's not how honor and dignity and that doesn't work. You know, you're sidestepping stuff here.

So it's, no, I wouldn't do that. And then that solves a whole bunch of your other issues. Like, yeah, now we can combine our finances. Yes, we can combine our incomes. Yes, we can, you know, we've got got a eighty thousand dollar a year income then to work with we can put a couple kids through school doing that you make 35 she makes 45 uh you got uh 10 years before the seven-year-old gets there uh you got five years before the 14-year-old gets there you can work this out and work this out but um i'm not going to go around going i can't legally marry

her if you can legally marry her that's not a true statement but um you just don't want to accept the consequences if you do uh of the programs that may or may not be cut off i really do want you to go investigate that though a little bit further i'm not sure that's right somebody in the military tweet me or something or call me or tell bit further. I'm not sure that's right. Somebody in the military tweet me or something or call me or tell me I'm not crazy here. Because I don't know. I truly don't know. Open phones at 888-825-5225.

Leanne is with us in Louisiana. Hi, Leanne. How are you? Hi, Dave. I'm good. How about yourself? Better than I deserve. What's up?

So my husband and I have a rent house, and we don't know if we should continue renting it or sell it. The rent house is paid off, but the house we are living in is not. We owe $163,000, and that's what the rent house could potentially sell for, which would make us debt-free. We're not sure what to do. How old are you? I am going to be 25 next week. Wow. And what's your household income? It's about $150,000 a year.

Good. And you're debt-free everything but your personal mortgage? But the house we're living in, which is $163,000. Yes, sir. And you got your emergency fund in place? Yes, sir. You guys are doing great. Way to go. Very well done go very well this is all set

up for success okay so here's what i would do sit down tonight and you guys run some math out and say if we don't sell the rent house we can have our home paid off by x right okay we make $150,000, we owe $150,000, right? Mm-hmm, yes, sir. $50,000 a year is three years. Mm-hmm. Okay, if you want to do that, $75,000 a year is two years. You probably could do that. That would be pretty tight.

Sure. Obviously, $15,000 a year is ten years, right? I mean, you can run the numbers out however you want. And then you ask yourself, do we do $50,000 a year is 10 years, right? I mean, you can run the numbers out however you want. And then you ask yourself, do we do 50 a year for three years? Is it worth that in order to keep the rental? And you just put the rental on one hand, the 50 a year for three years on the other hand. You go, because really what you're getting here is not just debt-free. You're getting debt-free three years early.

Right. Or four years early, or whatever numbers you guys want to crunch tonight. And then that will tell you, is it worth selling the rental to be done four years earlier? Because we can be done in four years if we keep it. So really, the only discussion is not to be debt-free, but when you want to be debt-free is it three years four years five years two years is it worth that if you don't really like the rental anyway then it's a no-brainer sell it and pay off the house but really what you're training for here is just some time because you guys are doing really well good job this is the dave ramsey show Dave Ramsey Show.

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Call 888-LOAN-200. This is a paid advertisement. NMLS ID 1591. NMLSconsumeraccess.org. Equal housing lender. 761 Old Hickory Boulevard, Brentwood, Tennessee 37027. So, hmm. The spousal benefits go away if the spouse remarries, according to two articles already sent to me on Twitter, but not the benefit to the children.

So, sir, either you got some bad information or I'm getting some bad information, but I've seen two different articles sent to me. Casey and Robert both sent me one. Thanks, Casey. Casey's retired military. Thanks for your service, Casey. And the Dependence Educational Assistance Program has no stipulation about marrying, this article says, and for the children.

Now, the spouse remarries, the spouse loses her benefits. That part's true. So I go back to my original statement then. I also am starting to wonder if she wants to marry you. That's kind of running through my head, too. So you need to check out a bunch of stuff on this, sir. All right. In the lobby of Ramsey Solutions on the debt-free stage, Garrett and Tisha are with us.

Hey, guys. How are you? Good. How are you? Better than I deserve. Welcome. Welcome. How much?

Where are you guys from? Fargo, North Dakota. Now, that's a bit of a haul over here. A little bit. Wow, well welcome. Good to have you. And how much debt have you paid off? Paid off $75,000. Very cool. And how long did this take you? 24 months. 24 months. And your range of income during that time? $80,000 to $90,000. Cool. What do you guys do for a living? I'm an adoption social worker. And I work for a large nonprofit in North Dakota. We assist people with disabilities. Oh, cool. Okay. Great.

So what kind of debt was this $75,000? $7,000 was a credit card. $10,000 was a car loan. And the other $58,000 was student loans. His. His. Yeah, but you married him, so ours. Yeah, I got you. Or you adopted him. I don't know. I don't know what it was.

All right, so how long you guys been married? It'll be three years on October 1st. Okay, so a year after you were married, one of you walks in and says, what? Yeah, it actually kind of started in our premarital counseling. The counselor mentioned your name, and we hadn't really heard of you before, and that kind of just planted the seed. And then after our wedding, your name just kept popping up every couple of weeks, and I decided to Google your name and went on YouTube, and I immediately got hooked watching the rants and the top tens and all of that. And then I showed Tisha, and she downloaded your app, and she got hooked with that.

And then a friend of ours borrowed us the book, and we read it in a day or two. And since then, we've been hooked, and that was about February of 2017. Wow. And so you took the book and some YouTube videos and game on. Yep. And the app, EveryDollarApp. Yeah, I guess. Yep. The podcast., EveryDollarApp. Yeah, I guess. Yep.

Yeah, okay. The podcast. The podcast app. Okay, good. Very good. Well, way to go, you guys. What's the secret to getting out of debt? There's a couple things.

I think you have to find your why. And then once you decide what your motivation is. What was your else why? One of mine is, well, I have two really. I look down the line and I don't want that. I want to be, you know, a millionaire down when I retire. So the other one is, if Tisha, she might not, I might not be here forever, you know, so I want to make sure that she'll be okay if I'm not around. Okay.

That's my why. The safety and security is huge. Yeah. Very good. Good job. That's good. Well, that gets you going. So once you've found your why, then what's the key to getting out of debt?

To me, it's once you have that you've just got to jump on it. If you say you want to go out of debt, it's no different than if you want to start working out or eat better or anything like that. You don't put it off until tomorrow. Tomorrow never comes. If I say, hey, I want to get out of debt, and then I'll wait until my next paycheck, it's not going to work. You've got to do it today.

I saw a Nike quote today that said, yesterday you said tomorrow. It's not going to work. You got to do it today. I saw a Nike quote today. It said, yesterday you said tomorrow. It's true. You can't do it. You got to get with it. I like it. Game on. Game on. What about you, Tisha? What was your secret to getting out of debt? So you talk a lot about what you pay attention to is what you win at. And for me, that was crucial. I'm an all in or nothing kind of person. I think you win at. And for me, that was crucial. I'm an all-in or nothing kind of person. I think you both are. It was listening to the podcast. We talked about it every day, whether it be the budget or just little conversations of dreaming together. And he would always calculate numbers of,

look, we can pay off the house in this long, or we'll be a millionaire at this point in time. So just the everyday conversations just kept me motivated and driving around looking at nice houses one day you know dreaming together was huge so so two years you take to get out of debt sometime during that two years you went you know what we're going to nashville and do that debt-free scream thing well how far in were you when you decided that she was probably day one i tried i tried to to temper the expectations, but she said, no, we're going to do it. Once you saw it on YouTube, that was it. The debt-free. I mean, listening to those, I would cry because I was just like, I want that, and we're going to do that one day.

So we did it. Did it. Like it. That's fabulous. So fun. Who were your biggest cheerleaders? Everybody. Really? Everybody. Our co-workers our friends our family everybody uh watching right now probably um everybody's on board and interested and it's kind of like when somebody's got a passion it's easy to to cheerlead that passion so

very good very good how's it feel? Amazing. I can't imagine not feeling this way now. Not done yet, though. We got the house. Well, you got this part done. Baby step two, mic drop. The toughest one. There we go.

It is the toughest one. Yep. It is because it's also during that time that you change permanently. Yeah. Your brain is reshaped. You will never return to the same shape again. You can't. It's impossible when you lean in as hard as you guys leaned in. Well done.

Very well done. We're so proud of you guys. Very cool. We definitely have a copy of that Everyday Millionaire book for you because that's your why. That's your next chapter in your story. You get your baby step three done and then game on with the investing and you'll be there before you know it i mean you are really you guys

are you guys are a neat couple very well done good stuff good stuff all right it's garrett and tisha from fargo north dakota seventy five thousand dollars paid off in 24 months, making $80 to $90 a year. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah! I love it! Woo!

That's how it's done right there. Oh, man, that is fabulous. Great job, you two great job brenda's on facebook dave i financed a car oh no i bought the extended warranty oh no i'm about halfway through my payments can i cancel my extended warranty and get a refund for the leftover part yes you can and you should do it today. Would I contact the extended warranty company directly or the dealership where I bought the car? Either is fine. Probably the extended warranty company would be easiest since you're halfway through.

You've been doing this a while. Just let them know you want to cancel it and you want a refund for the unused portion as soon as possible. And, yeah, you want to get that done as quick as you can. And even if they give it as a credit on the loan, I don't care where they give you the credit. They can send you the money. They can do whatever.

But, yeah, you want to cancel this extended warranty as soon as you possibly can. Here's the deal, folks folks with extended warranties 87 percent of the cost of your extended warranty 87 cents out of every dollar goes to profit marketing and commissions for the people that sell the sell the extended warranties 13 is all it takes to cover the statistical probability of the breakdown of your car for the covered items and that means 13 times out of 100 you could self-insure for 1300 out of 10 000 that's what that means or 650 out of 5 000 whatever your extended warranty cost you right and yeah you need to always self-insure through stuff breaking down well i'm very worried it's break down well don't buy it if you're that worried it's gonna break down well i don't know

listen if you don't have your emergency fund in place you don't need to be buying this kind of stuff this is the the Dave Ramsey Show. Hey, guys. At the Dave Ramsey Show, we really value your input. It helps us to know what's important to you so we can deliver relevant content to help you crush your money goals. We just launched a brand new survey, and we'd love your feedback. It only takes a few minutes, and you'll be entered to win a $100 Amazon gift card. No purchase necessary take the survey at davramsey.com slash survey or text survey to 33 789 Our scripture of the day, Deuteronomy 31, 6.

Be strong and courageous. Do not be afraid or terrified because of them. For the Lord your God goes with you. He will never leave you nor forsake you. Harry Truman said, America was not built on fear. America was built on courage, on imagination, and on an unbeatable determination to do the job at hand. Sonia is with us.

Sonia's in Texas. Hi, Sonia. How are you? Hi, Dave. How are you? Better than I deserve. What's up? Hey, so my husband and I were on Baby Step 2.

We have just over $20,000 in debt. We've sat down every month and we're working through the cash system and using the envelope. However, I'm getting really frustrated because I feel like we're putting too much money into our envelopes and not enough towards our debt. We have a really big move coming up next summer that I know is going to cost a lot of money. And so we're trying to budget for that as well. But I guess my question is, in Baby Step 2, what constitutes as a living expense that we should be actively putting cash towards every single month? Well, I mean, I think you know that, necessities. What would be something you think you shouldn't be doing? I guess the way we did it is just how much money we spent on oil changes and tires and haircuts and house maintenance and stuff like that and clothing.

But I just felt like, should we... Are you not going to do oil changes, haircuts, and tires? No, we should, but I don't know if we should either cut it back for four months and just try and kill the debt as fast as possible and then fill those envelopes back up when we're done. Because I think we can get out of debt within the next six months if we really push it hard. Okay, so if you don't buy tires for six months, you're okay, right? Right. You don't have to have a fund for everything every little minute thing while you're getting out

of debt if that's what you're saying i agree you know we take care of food shelter clothing transportation and utilities and we're not gonna buy if the tires are okay we're not buying tires during the six months you know now obviously you can't run around on a flat tire or something that's slick and dangerous or something like that but um you know if you're not if you look at your tires and go you know we got a year left that our current wear rate on these tires well no you don't have save for tires right now you could start that after you get out of debt if that's what you're talking about but um and so it sounds like you it might have um like tried to put money in every single category yes that's exactly what we did

yeah let's don't do that yeah don't do that let's just do the big things food okay shelter clothing transportation i mean but you're we're not gonna act act like Christmas isn't going to be in December, because it is. Right. And then, like, surprise! You know, no, they don't move it, so you better get ready for it. This is September. That one you're not going to get away with, right? Right, yeah, exactly.

We have two kids. Yeah, and you're not going to get away with uh but you know hair care i mean i that that depends on you guys on what you spend on hair care those kinds of things talking to a guy hadn't had a haircut in years i do my own with sam's clippers so i don't know but uh so i don't even know how that works but and i have no idea what sharon spends on it i don't want to know it'd scare scare me to death probably. But, no, it's in the budget, believe me. So, anyway, you just need to look at that and go, okay, what kinds of things are luxuries that can be postponed until we knock this out? And then we can start saving more systematically for some of those things.

If that's what you're talking about, yeah, we're on the same page at that point. Open phones at 888-825-5225. Julie is with us. Julie is in Ohio. Hi, Julie. How are you? Hi, Dave. How are you?

Better than I deserve. What's up? I am trying to figure out whether or not I am doing the right thing in helping my dad pay for his extended care. I'm thinking about selling my home and moving to his farm that he's not living in, but he has deeded it to me through a survivorship deed. So I'm just trying to understand whether or not I'm doing the right thing or not. What is it that you're not sure you did right? I don't know whether or not I should sell my house to pay for his care.

Because he owns a farm, he's not eligible for aid. Well, he's not eligible for welfare. Welfare, correct. Okay, he has no money? None. Okay, what's the farm worth? Probably close to about a million. Okay.

Well, I mean, mathematically, and I'm sure there's other stuff involved here, like emotions and heritage. What's the history of the farm? I mean, mathematically, and I'm sure there's other stuff involved here, like emotions and heritage. What's the history of the farm? It was my grandmother and grandpa's farm. They owned it since the 60s. Okay. How troubling is it to you if he sells it?

I would like to keep it if I could. He wants me to have it. Okay. What's your home worth? About $275,000. And it's paid for? Paid for. And what's your income? $100,000 family. Our household income is about $100,000. Okay. And how far away from work is the farm about the same distance i'm driving now okay um well how old is he 78 what kind of health is he in uh poor okay the average nursing home stay in america is two and a half years okay that's the average and um and uh uh the typical nursing home bill in america is about 50 000 a year so that's some math we can look at so you've got five years worth of nursing home care at 250 000 bucks in your hand right which is twice the average stay and uh it's indelicate to say but mathematically speaking a

78 year old who is ill is probably not here in five years is that right i? I can understand that. Yeah. And, I mean, it's hard to say this stuff out loud, but that's, you know, we're just trying to figure out is this going to work or not. Right. Do you have siblings? I do. And what do they get out of the million-dollar farm? They're not in the deed. They're not not nothing's deeded to them so they're going to get nothing

in the estate correct okay they've provided no assistance so so this is in return this is in return for assistance yeah for yeah for helping him out okay i want you to see uh an estate planning attorney and because i'm concerned that the farm is not in your name i don't like the survivorship deed idea much i'd rather if you're going to go this this far in and hand him 250 000 worth of care in cash basically um that somehow this farm is in your name because i don't want this deal to be ever questioned by your siblings and you guys turn around lose the farm after you sold your house and took care of him you follow me right so i want you to get some good legal advice from a state planning attorney and see is there a different way that this can be transferred

to your name prior to death or at death or whatever, or is this the proper way to do it. I want some outside counsel on that because I'm not positive in your state what the best process is. But, yeah, you get to keep the farm and the family. You get to live on the farm, which apparently you want to do, and he gets taken care of. I don't think there's anything bad going on here. The only question I've got is the whole thing where the siblings are all getting cut out, and I don't know how that's going to work in your family

and how you're going to end up dealing with that over the long haul. But you can deal with it from there, I guess. Hey, thanks for the call. That puts us out of the Dave Ramsey Show 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. Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show.

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