The Ramsey Show - App - Eating Rice & Beans Is A Metaphor?! (Hour 1)

Episode Date: October 9, 2023

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. Jade Walsh, our Ramsey personality, is my co-host today. As we answer your questions about your life and your money, we're going to talk about you right in front of you, baby. Open phones at 888-825-5225. The call is free and some say it's worth exactly what you pay for it. Kim is with us. Kim is in Asheville, North Carolina, starting off this hour. Hi, Kim,

how are you? Hello, how are you? Better than I deserve. What's up? Okay, so I have a question. We hired a gentleman to do our taxes in March of this year, and we ended up hiring him to do financial planning for us as well. And after hiring him to do that, we discovered that he had filed bankruptcy twice and had been sued for writing a bad check.

When? The question is, well, he filed bankruptcy in 2019 was his last one. That was the second one. And it said the Certified Financial Planning Board revoked his right to use their certification mark. And then he also was sued for writing a bad check to a moving company. Recently? And that was in 2018. And so we had already paid him a large fee to use him for financial planning. And I guess my question is is should this be of concern to us we have discussed this with him what did he say he says that we don't understand what it's like to run our own business um and just basically was you know he was very rude about it and said

his business would go on with or without us. Ooh. I want my money back. I am leaving. I don't care about the bankruptcy. If you're butt, I don't want to work with you. Right. You don't get to be rude to me about this. You're defensive, which means that, yeah. Yeah, he was very defensive.

I've been sued and I filed bankruptcy. But if you ask me about it, I'll just tell you. I almost feel like you have to. Not last week, but about it, I'll just tell you. I almost feel like you have to. Not last week, but I mean, I'll just tell you, right? I almost feel like you opened with that. If that's part of your story, that's what's informed you to this point. He claimed that he told us in the contract, well, I made him send that back to us because it disappeared after we signed it and we couldn't see our own copy.

So he sent it to me a couple weeks ago there was a link that we could click in small print about this how much did you pay this guy fifteen hundred dollars okay will he refund you or not he will not okay i'm walking yeah we've talked i'm walking anyway i'm walking anyway well yeah we told him we were walking because we don't trust him and just because of his attitude exactly exactly it's not the thing it's the attitude okay because here's the thing okay let's say the moving company tore up 17 of his items and then they would then they wanted to you know and then he unpacked it and found a vase that they were responsible for they don't want to refund him for the broken vase, so he stops payment on the check.

They sue him. That's a valid story. Right. He also told me that he settled that check. I said, well, you didn't settle it or they wouldn't have sued you. Yeah. Well, it's the attitude is the thing. It's like, look, hey, if I were in your –

here's the proper way to answer this question if I'm him. If I were in your shoes, I'd have these exact same concerns. I'm happy to tell you the details. Okay, here's what happened in this situation, and here's what happened in that situation. And the bankruptcy was not – you don't understand why it's like to run a business. The bankruptcy was I did some stupid butt things, I learned from it, and I'm not doing them anymore. The check was the moving company misbehaved, and I used that as leverage, and it got out of hand, and they sued me, had no basis the judge threw it out yeah he blamed his ex-wife for the

bad check i i don't care you see what i'm saying that if you had gone that way then he would have redeemed his credibility if he'd have been smarter and done what jade said and said up front what was going on it's part of your story that's fine that's fine that's what we felt but i've been sued for things that i didn't do that they made up in an effort to try to basically use the court system to blackmail me to settle with them i refuse to settle with them so that gets all in the news so you can look up dave ramsey got sued but the basis of the lawsuits are zero didn't absolutely did not occur. But it doesn't matter. You can sue somebody for anything in America.

So I don't mind telling you that. That's happened, okay? But I've still got, you know, I've still got, if you want to be pissed at Dave Ramsey randomly, you can find places on the Internet that I did all kinds of things I didn't do. Yeah, well, you know, he said he was going to sue the Certified Financial Planning Board. Good luck with that. Yeah, and I was like, how can you do that? yeah well i you know he said he was going to sue the certified financial planning board good luck with that yeah and i was like how can you do that yeah he just sounds a little i don't i really don't

like his attitude i don't like that he's defensive he sounds like he's pointing the finger blaming it doesn't sound like it's going to be a fun work environment for you to work with i'm walking away i think you should walk away and you already had walked, so you already knew the answer to the question. Yeah, she did. Well, she probably wanted to know if there was some way she could force him to get the money back, but I wouldn't put any effort into it. I'd just move on. I don't think you're going to turn him into not being a jerk.

Yeah. I think he's already got that one down. Well, if he hasn't done any work for them yet in that capacity, I feel like a good person would say, hey, you didn't know this. We haven't started this yet. Here's your money back. Even a not good person knows that some customers are worth more or more trouble than they're worth. And if I'm her and I disagree with her, I mean, if I'm him and I disagree with her, she's more trouble than she's worth. Here's your money back. Yeah, go away. Even if I'm not a good person, it's worth just

to get rid of them absolutely you know we fire a customer around here that misbehaves every so often they you can't call here and cuss at our people we don't allow you to do that yeah we'll give you your money back until you go away you know that's all right i don't put up with your junk because some customer service uh people in america their whole job is to get cussed at by rageaholics and we don't our customer service people i'll tell them, listen, just tell them no. Yeah. Wait a minute, wait a minute.

We don't talk like that here. We're not doing that. Just call somewhere else and be pissed off. Take your money that you're going to use here and use it for counseling. You need it. Just move on, right? But yeah, I mean, even if you're on the other side of it, it's worth it to get rid of them. And I don't think Kim's that.

I think Kim's figured this out. Yeah. The sad thing is that now she's questioning all financial people or planners. Yeah, whether or not they're trustworthy. I'll tell you what. You know, SmartVestor Pro will sit down with you. They don't charge you a thing because they make a commission off of selling you a mutual fund for your Roth IRA or your kid's college fund, and they don't make anything unless they sell you something.

So people are all suspect about that, but they're the good ones. They do it with the heart of a teacher. That's why we endorse Smart Investor Pros. We don't have any fee-based financial planners in our system that are upfront fees. Not because I'm mad at them. They just don't like us because I endorse mutual funds. Yeah, that makes sense. And, you know, because here's the thing.

There's a thing in the financial world, it's worth talking about this in the 20 seconds we've got, called the fiduciary. And you see there's one company running and they're lying about it on their TV ad during football. I saw it the last two or three weekends. I can't think what it's called. A little green sign in the background. But, like, We are fiduciaries. We are fiduciaries. We don't make anything unless you make something. The word fiduciary means a person of trust. Can you trust someone that gets a commission? Yes. If they're trustworthy, all real estate agents are commission-based fiduciaries.

And they should put your interest first. But just because you get paid when they make a sale doesn't mean you can't have integrity. That's right. That's absurd. So that's the financial world right now. This is The Ramsey Show. Jade Walsh, all Ramsey personality, is my co-host today the ramsey show question of the day sponsored by neighborly your hub for home services from repairs and maintenance to remodeling and upgrades neighborly's trusted home service providers have trained local experts to handle almost any job download the neighborly app and you can connect to all the help you need.

These are great people. They are. Today's question of the day comes from Paula in Georgia. My son's school is running a food bank, so I sent him with some highly requested items, such as peanut butter, canned soup, and tuna fish. When my husband saw them, he insisted we don't donate quality items like these,

and instead only donate rice and beans. I'm aware that you've told people to eat beans and rice if they're on a tight budget and cannot afford to indulge in nicer foods. However, I also know that you value generosity and giving, and I didn't see anything wrong with donating something other than beans and rice. Do you believe that the same principle applied to those on a tight budget should also be applied to recipients of food banks? Oh, brother. I don't mean to laugh, but it's just so silly. That's silly.

It's silly. Number one, when we say beans and rice, honey, it's a metaphor. Yeah. A metaphor is a representation philosophically of an actual item i am not suggesting that people only live on beans and rice i am suggesting that you quit spending so dad got much money on food especially eating out all the time so probably prime rib is not on your list or lobster tail but possibly even some hamburger helper might make the list you don't have to just literally do

beans and rice it's a metaphor i think this guy was just looking for an excuse to be a tightwad be a cheapskate you don't have to look for an excuse he already was i mean goodness gracious and it's not like tuna fish is that big of an upgrade from rice and beans i mean come on now and here's the deal i mean what we're talking about is you limiting your consumption so you can create margin yeah to move ahead we're not talking about those poor people don't need any good food what in the world terrible seriously seriously yeah that's horrible yes they need some good food. Send them some good food. You cheapskate. Your wife is right.

Your son is even better. Learn from them, sir. Yeah. Oh, my gosh. If you're going to give something away, be generous with what you're giving. That's right. Golly. I'm going to give you a car, but it doesn't really run because you can figure that out

for yourself. What in the world? You know what dave though i i've i've okay so i've been here about 13 months 14 months i am shocked at how many people i've encountered that think their beans and rice rice and beans thing is literal let me tell you what's worse okay 30 years of doing this i have had precisely 4732 offers to co-author a beans and rice cookbook with other listeners. I made that up, but it's close to 4,000. I mean, it's unbelievable.

And apparently it would be a bestseller if we could just get the people that wanted to co-author it with me to buy it. But yeah. People keep asking me about it. A beans and rice cookbook. No, it's a metaphor. It's a metaphor. it's a metaphor. It's a metaphor.

Yes, you can eat different foods. Look it up. Look up metaphor. It's good. Oh, my gosh. Yeah, but we don't need to be going out to eat every night. It's some fancy spancy thing. Or for that matter, for fast food. Yeah.

Because it's fast, but it's not necessarily food and the um and you know you're working so that you can learn put yourself as a guy used to work for would say we're working so i can get enough money that i can read the menu from left to right i know that's right i don't start with the price i get to start with a thing and pick what I want. Prices are irrelevant. But when you're broke, you self-manage your consumption, not other people imposing on you their beans and rice. So, oh, my gosh. Yeah. Then you're entering into like a judgment kind of zone, I think. And it's like, well, just be generous if you can.

Yeah. I mean, yeah. You kind of be generous if you can. Yeah. I mean, yeah. You kind of missed the point, sir. Yeah. Not kind of. You did. You did. All right.

Ayla is with us. Ayla is in Washington, D.C. Hi, Ayla. What's up? Hi, Mr. Ramsey. Hey. I was wondering if we should pay off our current mortgage and relocate for a cheaper mortgage. What's making you ask that question? Pay off your current mortgage or relocate and get a cheaper mortgage. What would

be cheaper than a paid off mortgage? So we bought a house that needed to be fixed up. So we fixed it up and now it's, we just had a realtor come out and tell us what we could list it as. My husband was in the military and just got out and his job's out there. So it kind of shook us. And we just wanted to move somewhere with the proceeds to have a cheap enough mortgage to be covered by my disability. Okay, so you don't have the opportunity to pay off your mortgage. You're talking about moving to a less expensive property because you're scared about his income. Right. Why do you think he's not going to get an income um it's not so much that he wouldn't get

one we're just um kind of thinking about reprioritizing our time the house that we bought is a historic house so it takes a lot of maintenance we do a lot of the work ourselves. That's a different discussion. What do you owe on that house? $490,000. I already don't like the house. I hate that we have spent so much time on it. We can get some good money for it and get something I like is a good, reasonable move. I'm using his lack of a job and a cheaper mortgage as my excuse is not okay okay um you see the difference we're both yeah we're both on the same boat so we're just you know the boat where he doesn't work

just that he has more flexibility and we're not done work much how old is he right now how old is he we're 25 and 26 okay he needs to get a career darling it's not good for him to not work much i'm not saying he won't work i am saying he needs to get a career where he works okay i'm hearing the code words in your language 100 he's not wanting to work much at all and that's worrying part of it is he got knocked out of the saddle and didn't get the other job and it's he's lost some of his confidence and you're clearly worried because you're talking about selling your house and relocating so that you could only live on your disability like you said it with your own words i don't think that that came out right we okay he wants to work that's not the issue the issue is is that we want to be more

flexible with not having to deal with the house and not having a mortgage that's so high is the mortgage more than 25 percent of your take-home pay it is now that he's not working but before that was it no it wasn't okay okay so your mortgage amount is not your problem the house if you want to get rid of a house that's a money pit where you work on it all the time i don't blame you i would do that okay but let's not couch that in he wants more flexibility and when i'm talking about his job your answer is he wants more flexibility it wasn't when i was talking about the house repairs you said that so i didn't i didn't misunderstand you you said it real clearly so what what we need to do let's let's parse this out and break it up number one the two of you need

to get really good cool strong careers that you're passionate about i will send you a copy of ken coleman's book from paycheck to purpose number, it doesn't sound like your mortgage is off. Me neither. And I'm actually wondering. Number three, I would sell a house that's a money pit, and I had to screw with it all the time. It drove me nuts. That's true. But I don't know that.

If it's a money pit, that's one thing. But I don't know. I'd be interested to know more. She's in Washington, D.C. Where does she plan on relocating? Where she's going to. They may be moving to a whole different city. Yeah.

That's possible but yeah which would be less expensive for sure yeah i'm getting rid of the money pit but i'm also getting a career yeah they need and probably getting a house about the same price range that in the money pit want to make the move that's what would be my advice to you guys don't don't mix these things together and create some kind of false narrative that's not really going on, okay? That's what I heard you saying. I think you were saying it, whether you wanted to or not. This is The Ramsey Show.

In the lobby of Ramsey Solutions on the debt-free stage, Christina is with us. Hi, Christina. How are you? Hi. Good. Welcome. N are you? Hi. Good. Welcome. Nervous? Oh, yeah. You're okay. We've never lost a patient. That's right. You're going to be all right. We're proud of you. So you're here to do a debt-free scream. Where do you live? Clarksville, Tennessee. Clarksville. Military family? I used to be in the military, but I'm not now. Okay. Well, thank you for serving a lot a lot of military in clarksville that's why i was asking yes all right and uh how much debt did

christina from clarksville pay off thirty four thousand one hundred and sixty two dollars all right how long did this take thirty six months good for you a thousand bucks a month get it and your range of income during that three years $14,490 a year to $49,060 wow good lord wow what do you do for a living um I have a house cleaning business in Clarksville ah okay did you start at $15,000 on your house cleaning business well so um my business started eight years ago um but um my journey um, my journey, um, officially started. I went through my first FPU class in 2012. And so I've been doing this for a long time.

Um, I was married at the time and we tried to get on the same page and, and, um, couldn't, couldn't, and it took a lot of years to figure out that we couldn't. So in 2020 of, uh, April of of 2020 my divorce was filed oh my gosh what a year yeah and the next month my business closed because you know nobody wants us in our home when everybody has covid that's right oh wow so i started off my journey um in the basement of a friend of a friend's house with not much money and not really sure what was going to happen. And so since then. Started cleaning houses again.

Yep, started cleaning. And the nice thing about COVID is everybody wanted their houses clean once we got that started going again. So we actually got that back up and going. And now. Now you're making 50 grand. That's a killer. 50 grand that's a killer well that's everything included that's that's um child support everything but it it that's quite a journey yeah good for you you get after it girl way to go that's incredible

you got to feel like your your whole life has transformed in 36 months yeah it has it's a whole different world yeah i mean career mar, career, marital status, confidence, everything. Wow. Oh, and you got out of debt. I got out of debt. Yeah. You're amazing. Amazing.

I'm so proud of you. It's not me. It's all God. Yeah. Well, he was actually using you to clean those toilets. I know. That's right. You put in the work.

I did do that. Yeah. You got to plant that corner. It doesn't grow. That's true. As you sow, so shall you reap. Way to go, kiddo. Really cool. I did do that, yeah. You got to plant that corner. It doesn't grow. That's true. As you sow, so shall you reap. Way to go, kiddo. Really cool.

Very proud of you. Excellent. All right, so what kind of debt was $34,000? Oh, it was everything. It was back taxes. It was back rent just from after the divorce. It was student loan, car loan, credit card. How'd you get all the debt? You got all the debt from the divorce, it was student loan, car loan. How'd you get all the debt?

You got all the debt from the divorce? No, I got a little, just over half of it. But that was my half. That was my half of everything. Okay. So the back rent was both of you, and then you got half the back rent. Mm-hmm. Okay.

I love the support I'm seeing from your son. That's hitting me, man. I love it. You definitely clearly had the support of your family from your son. That's hitting me, man. I love it. You definitely clearly had the support of your family next to you. I do. That's the only reason that I got here is because of all the support. It's one thing to have two teenagers. It's another to have two good ones.

I mean, yes. Yeah. Way to go. She's like, what? Me? Yes, you. Amazing. Amazing. Wow. Well, you know Amazing, amazing.

Wow. Well, you know, they've been with me the whole time. I mean, right after when we started cleaning again and things were starting to move along, I actually tried to homeschool them because that was smart. On top of everything I had to deal with, I thought that homeschooling them was going to be a good plan. So for that first year after COVID, we homeschooled for a year and, and, and every month, every month for, um, our finance lesson, I bought the, the Ramsey homeschool thing and everything. And every month for our, we came up here, we came up here to watch your show and I brought my planner and I would do my budget at the end of the month right here in the lobby.

And then whoever was doing the show, I had signed, signed my planner for that month. so y'all were kind of my accountability for that first month while I was trying to get back on my feet wow you're my accountability because we keep coming to work you're inspiring very inspiring so they've been with me they they've come along with me on everything this year when when I finally got in the headspace to where I could really buckle down um we I brought them to the building wealth live um I came to the down. I brought them to the Building Wealth Live. I came to the Smart Conference. I brought them with me to meet Micro for the labor crisis. So they've been drug along with like everything. So they're my little buddies. I love it. I love it. So what's next? Building up the emergency fund, feeling good about the future. How does it feel to have no debt? Surreal. I mean, I've been trying since 2012.

And I listen to these all the time. I've come seeing your shows, I mean, for years. And I cry every time that I watch one. And I just never imagined I would actually be up here. Okay, so you overcome living in a friend of a friend's basement. You overcome the business closing down and opening up. You overcome $34,000 worth of debt. You overcome the loss of your marriage all in the last 36 months. You truly are a warrior princess.

You're amazing. I mean, that's powerful. It really is. I feel like a lot of it was, i don't think it was because to me i think i feel like most time it was in spite of me because no you're a hero you're a hero you need to own it yeah you do you committed to it's for some people it really is a longer journey and you committed for the whole journey it's just like your shirt anybody who can't read her shirt everything is possible for the one who believes and that is such i mean you're really evidence

of that you kept belief and you kept going and you got knocked down and you kept going and you got knocked down again and you kept going and here you are on the stage. Yeah, but I'm hardheaded too. I actually called in Ken's show about six years ago to ask if I should try to pay off debt or hire some people for my business.

And he said that you get what you focus on, so I should pay off debt. So I went and I hired a bunch of people that's hilarious so you know and then and then I remember I remember um I remember the back when y'all were in your old building uh I got I I really, I got, my husband got me, my ex-husband got me a car for, in 2018 for my birthday, and I had a paid-off van, and I was listening to, I listened to you guys, and I read all, I got all your books, and I've been trying for a long time, you know, and I got that, and part of me was like, you can't take this, and then part of me was like, well, it was a gift,

and our marriage wasn't doing well, so this is kind of fun so well we'll see I felt so guilty taking that car that the next day I drove out to your old place in Brentwood to get a lecture from you on why I shouldn't have a car payment and I felt so I felt but I left I left the office that morning and Nicole my office manager she said so you're gonna tell going to tell Dave that you're there in your new car? And I said, absolutely not. And I said, in fact, I was so ashamed that I parked across the street at the stores and I walked over so that I didn't have to park in your parking lot. Wow.

You didn't defile the parking lot. I did not defile the parking lot. And I cannot tell you, when I got here this morning and I was driving out here and my financial coach, Andy, he took a picture of my parking spot where you have the name of all the debt-free screens. And it just kind of blew me away. Like five years ago, I was hiding in the bushes. And now you have a parking spot of honor.

Look at that. You don't have to park across the street at the store in the parking spot of shame. That's right. That's right. I have a car that you can't open the door from the outside but that's okay that's only temporary that's only temporary how old how old are your your kiddos um 16 and 14 16 and 14 and their names uh this is grace and christian grace and christian well god well done mom well done i know you're nervous, but we're pretty impressed. We run into a lot of people on this stage, and some of them are overcomers.

Some of them knock a few things down. You just took a machete and whacked your way through the jungle, kiddo. Pretty amazing. Pretty amazing. Well done. Hey, we've got the live and give box for you that includes the Total Money Makeover book, the Baby Steps Millionaires book, because that's your destiny. And no stopping this one.

And a Financial Peace University membership. And you guys are incredible. Grace and Christian, I know you know this, but your mom is a superhero. Very cool. All right. Count it down, you guys. $34,000 paid off in 36 months from $15,000 to $49, 000 to 49 count it down let's hear a debt-free scream three two one we're dead free

allergies are bad this season i'm just saying that'll make your eyes water right there this is the ramsey show jade washaw ramsey personality is my co-host today open phones at 888-825-5225 well in case you wondered if smart conference that you did on the hill up here was important, last caller told us it was, or one of the other streaming events, or one of the other nine million things we do around here, like doing a show every day, and you can come in here and watch the show live, is important. We had no idea she'd been in here all those times. That's right. First time we ever met her. So very, stuff very interesting stuff speaking of starting your

journey uh jade washaw will be doing a free every dollar webinar at every dollar.com slash budgeting you can sign up and help you break the cycle of living paycheck to paycheck when is the webinar tomorrow tomorrow at 11 30 central time so sign up so like tuesday the 10th yep tuesday the 10th that's good the 10th at 11 30 a.m central time if you're not able to do that or you hear this at a later date because you catch it on your podcast or youtube or something at a later date there are others so be sure to go to every dollar.com slash budgeting jade will be doing more rachel cruz will be doing more and george will be doing more of these uh budgeting webinars and they actually make budgeting fun they actually help you work out how to take your paychecks and pick

out which thing goes in which thing we call it paycheck planning through the month so every dollar has an assignment for that matter every dollar of every check has an assignment when you're done it's a very usable very friendly world's best budgeting app and by the way we're not charging you this free totally free every dollar webinar every dollar dot com slash budgeting sign up and jump in all right jennifer is with us jennifer is in colorado springs hi jennifer how are you? I'm good. How about yourself? Better than I deserve. What's up? Well, I'm brand new to home ownership.

And unfortunately, my husband and I bought this house together two months before he passed. Oh, my gosh. So now I'm kind of stuck in a ridiculous place. Oh, my. It's really overwhelming and unexpected. What happened to him? Two months ago? Or when? No, he passed in June, but he passed two months after we bought the house. Right.

Oh, I'm so sorry. How old was he? 53. Oh. I'm sorry. Young. What happened? Yeah.

Well, long story short, end stage liver failure. Oh, my. I'm so sorry. How long were you all married? 14 years. Okay. And you're about the same age? I'm 47.

47, okay. How can we help today? I'm so sorry. Oh, thank you. So anyway, like I said, this is the first home I've ever owned, and I'm trying to figure out everything on my own. And it just so happened that the neighbor that we share a fence line with, and there is just one fence line, the fence line fell into my property. And I was hoping that the homeowner adjacent would go half and half on replacing the fence, but they don't seem interested in that.

So I guess I'm stuck with fixing the fence by myself. Okay. Well, typically the fence is put up just inside the property line of one party or the other. Okay. So if the survey was done, the fence posts would typically be on your property or on their property, meaning that it's either your fence or their fence. Okay, the posts were definitely on their property. Okay, so it's definitely their fence.

I guess so, now that you explained it, yeah. Yeah, and so, you know, now, did something knock it down or it just rotted down or what? Yeah, it just rotted and it was the wind, but we both have dogs. So I feel somewhat responsible to get it fixed as opposed to what, you know, it just being an issue, you know? So I just didn't know what the recourse, if there is any, or if I just need to fix it because they won't. When you brought it to them, they were probably unaware of whose property it was on. Do you think that if you let them know, hey, it's on your property,

do you think that would change it at all, or is it just a situation where they're not spending money on that? Yeah, I can try now that you told me that because I wasn't sure. I just didn't know. The fence posts are on your property, so this is your fence. I will go in with you to help you fix your fence. Oh, you know what? That sounds a lot kinder, but I even already said I would do it.

Can we split this? That's a different sentence. Because they're going to be the owner of the fence when it's fixed. And you're just doing that out of the goodness of your heart. You're doing that to keep your dogs out of their yard. Absolutely, and their dog dogs out of mine. But I didn't know that, and I wasn't armed with that. So maybe I'll try that and see what happens.

I appreciate it. I don't know. My guess is they don't have the money. Yeah. So none of this might change it. It also might help to, this is what I would do, I might have someone come look at it so I had some actual numbers to say, Hey, I was looking at this if we

both chip in you know $600 I don't know what that costs if we both chip in $600 they'll come out and fix it I know okay you know and tell them it's on their side hey I took I looked at the parameters it's technically your fence but it benefits both of us if you chip in $600 I'll chip in $600 you know I already found a guy that will we'll fix your fence. Yeah. That sounds reasonable. I like that. Thank you very much. I didn't even think about that. How big a piece of property are we dealing with?

I wouldn't know. How long is the section of fences down? 50 feet? 500 feet? I don't know. It's like eight panels. So I'm not really good at that. Okay.

So it's like a privacy fence. Correct, yes. Okay. All right. Well, we're not talking a lot of money here then. Well, that's good. I just didn't know if I had any recourse to action, but I like what you said. I don't think you have any recourse.

Yeah. I think you've got persuasion and neighborly love and those kinds of things, because here's the problem. If you put up a fence just inside your property, they can attach to it and still get the benefit of it. Exactly. And put no money in it. Yeah. Worst comes to worst, I'll do that.

But I like your way better. I'll at least try it. Thanks, guys. And, you know, the other thing I would do do and this sounds manipulative but it's not because it's the truth i would just say i would sit down in front of them personally if you can do they live there no it's just renters at the property that's why they don't care it's part of the problem too okay oh no not them in particular. No, but the renters have dogs that come in your yard. Yes, correct.

Because the owner has not fixed his fence. This is a problem. Now it's different. Anyway, do you know the people that own it? No, no, not personally. Do they happen to live in your area, or do you know? I don't know that. Okay, if you can find out, it's always better to talk about things in person.

Okay. Always better. know that okay if you can find out it's always better to talk about things in person okay always better because and if you can do that number one number two i would tell them your story and your story is hey i've never done anything like this because i've never owned real estate my husband died right after we moved in here and i don't know how to navigate this stuff so i don't even know if i could do that frankly i could barely do it with you guys well if you did it with us you can do it with them yeah i suppose yeah you can do it 24 million people just listening on this conversation that's right i mean i imagine you can have one duper over a cup of coffee all right so uh but yeah i just just sit down and go look i lost my husband in

june and i don't know how to do all this stuff but here's an idea I had your your renters dogs are getting in my yard my dogs are getting in your yard and and the fence is on your property so it's your fence but I'll chip in with you on your fence I got some bids like Jade said it's 400 bucks I'll put in 200 if you guys will put in 200 would you would you help out help out a neighbor here and let's get this fixed up yeah and you know it's hard to turn that one down and it's also worth mentioning that you're trying to avoid something bigger because if you guys's dogs get to fighting if somebody's dog bites another dog i can just see this snowballing into a bigger issue and if the owner is going to want to avoid that at all costs if

they know what's going on well you know what i'm saying because one more one more word one more reason to not have uh renters with dogs but what do i know i love dogs i love dogs me and my dog spent time together this morning right before i came to work but uh none but i hate dogs as a landlord so as a renter we don't have any we don't have any ramsey houses with dogs in them not not legally anyway there might be some illegal aliens, but not legally. Illegal alien dogs. Yeah. Dave, have a heart.

People, they can't bring their pet. I know. The problem is they don't make them behave, just like some people's children, right? That's right. And then I got a house that's all torn up because I didn't have a backbone. Anyway, that's what's happening. So there you go. There you go. And then the fence falls down. That that's right dog knocked it down i like what you heard in this episode and want to

know more about getting started on the Ramsey Baby Steps, go to ramseysolutions.com and click the Get Started button. We'll help you figure out the best next step for you based on your specific situation. That's ramseysolutions.com and click Get Started.