The Ramsey Show - App - Handling Money in the Middle of an Emotional Situation (Hour 1)

Episode Date: September 11, 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. Open phones at 888-825-5225. That's 888-825-5225. You jump in, we'll talk about your life and your money. Jade Warshaw, Ramsey Personality, is my co-host today. And you jump in, we'll help you out.

It's what we're here for. Dante is with us in Orlando, Florida. Hi, Dante. Welcome to the Ramsey Show. Hi, Dave. It's an honor to be speaking with you. You too. What's up?

So, real quickly, my cousin gifted me two tickets for this weekend's Tennessee and Florida football game. They're really good seats, and the value is about $800 that we can resell them for. Is it morally wrong for me to sell those by cheaper tickets? It is. Yeah. Okay. He didn't give them to you as your side gig. He gave them to you to use.

You give them back to him. Okay. Well, I don't want to give them back. I want to use them. Okay. If you want to use them, that's fine. But, I mean, give them back. But, no, I wouldn't sell that. them back. I want to use them. Okay. If you want to use them, that's fine. But I mean, I'd give them back, but no, I wouldn't sell that. The joy for him was you going to that game,

and so if you don't want to use them, then his joy will be somebody else going to that game. I got you. Fair enough. Yeah, they're his. They're not yours. I got you. Can I ask you a second question real quick? Sure. Kind of off-topic on this one.

Sure. That was very easy. I have a couple 401ks that have like a few thousand dollars from past previous employers. Should I combine them all into one with my current employer or should I just leave them alone? I always just roll old 401ks to IRAs and just get with your SmartVestor Pro

and they can help you start an account to do all your old rollovers into. And that's where all mine are uh they're all in iras if they were roth 401ks they'll become roth iras if they were traditional iras they'll become traditional 401ks so it's an interesting question though going back to his football thing for a second yes i saw that we get to see a little bit of like a half a sentence from uh from our associate producer austin he tells us a little bit about what you're calling about and uh so but so i kind of thought i want what under what circumstances if you won the tickets from a radio station you would be able to sell them i agree okay that's not that's not a thing okay um but like if uh like i had a titan suite for a while uh-huh okay and i gave one of my people that worked here at ramsey two of the

tickets okay if they took those and resold those that would be not okay yeah that's not why i gave them to them it was not to give them money if was not to give them money. If I wanted to give them money, I would have given them money. Or you might just tell them, like, I give people tennis shoes sometimes because I love Jordan shoes. And if I give them, I'll say, hey, I don't care if you sell them, do whatever you want with them. Give them permission. I'll give them permission. If you do care. If you don't care, maybe it's a good thing to say.

But, like, we actually had Predators tickets that the company owned. And there's a drawing every week for an employee benefit. Okay. Just something nice to do for the team, right? Yeah. It got to where nobody wanted to go for some reason, so we don't have it anymore. Shade. But one time, one of those team members took those tickets and sold them, and I thought that was wrong.

Did you? I would have said that that would have been okay. Really? Okay. But, Dave, technically, you bought the tickets. Let's be honest about that. I mean, it's like I gave them to you as an employee benefit. I didn't give them to you as a fundraiser.

That's a good point. If I donated them as a fundraiser for your get-out-of-debt plan, it'd be different, right? Yeah. You could use them, or you could do whatever. But, as a matter of fact, I'd rather you didn't use them, then, than you used them to get out of debt. it'd be different right yeah you could use them or you could do whatever but as a matter of fact i'd rather you didn't use them then that you used them to get out of debt but i don't know i mean under what circumstances i guess i guess a if they tell you so yeah they say i don't care what you do i don't care you do with them i'm sick of this i don't want them i'm not going you can you can burn them you can sell them you can use them i think the quality

of what the gift is like like you said a box box seats well i mean that's a big deal yeah i mean if it was a five dollar ticket or something but i'm just saying you wouldn't bother to sell that but those eight hundred dollars but um for the florida game or but um okay here's another caveat if it causes them to have to spend money in order to enjoy it then they should be able to get out of it. So if you say, hey. Oh, yeah. But I would say that back to the person as I gave them back to them. Yeah.

Yeah. You're the kind of guy that would do that, though. Like you would give them an out. Some people. Yeah. I would just say, hey, I can't take these because I can't spend the money to drive to Knoxville for the game. Okay.

Or whatever it is in that case. It's interesting. A little bit of communication goes a long way with these things. The guy might not care if you called him and said, hey, I'm kind of 50-50. I'm thinking about selling them, but I wouldn't want to do that unless you were okay with it. Yeah. That might be a way to handle it. That's true, but then that's so awkward for the other person because what are they going to say?

Like, no, just give them back to me. Yeah, I would. Oh, I would definitely do that. I straight up. If you call me and say, no, I gave them to you. And if you don't want to use them, it's okay. Give them back. I'll find somebody who wants to use them.

Yeah, that's good. Yeah. That's an interesting one, Dave. Yeah. You got to give the, you got to say, hey, this is for you. I, you know, I love, you know, whatever it is. I love Beyonce. I'd love for you to have these tickets hey, this is for you. I love whatever it is. I love Beyonce.

I'd love for you to have these tickets you and your wife enjoy. Then that's a clear, use the tickets. They're for you to enjoy. If they say, hey, this is for you. I don't care if you sell it. I'm not going to use it. Do whatever you want with it. Then you have the clear out.

I was trying to think of the other one. Oh, I know what happened one time. I gave a guy tickets and he did sell them and so these strangers come into my box that bought the tickets off the street oh that's terrible see that's even worse that's and then you got to sit and talk to them yeah they're in my private box man i mean it's like we had a wait that's that's why you get one. Oh, that's terrible. Oh, man. And I have to be nice to them, you know, because then they'll have a Dave story otherwise, right? There's another side to this, Dave, because this is making me go, this is like, okay, you get it. This is like a Christmas gift, right?

Yeah. I return Christmas gifts all the time. Regifting Rachel. That's Rachel's nickname. Regifting Rachel. But not, look, my mother-in-law she gets something she's gonna look for it in the house oh so I can't give you gotta watch Rachel she'll give you back the next year what you gave her last year and not remember it and not remember it she's straight up regifting Rachel I think I heard her tell a story about giving the person

the gift back she's done it before more than once that's hilarious so there you go so it runs in the family so i can't really say much to you dante but it's uh if my own kids are doing it but uh it's interesting under what circumstances number one we gotta have some principles here why it can't be a wrapped gift it has to be something no i'm saying with the tickets underway with the tickets if you asked or if they said it was okay, then it would be okay for sure. Yes. Okay, that's circumstances. Yeah, and for sure don't create, you're not creating awkwardness like selling the public a box,

seats in a private box or something. Yes. That's like so freaking strange. Yeah, that's bad. I'll tell you one too. Okay, if you give that guy the tickets, this is different than selling them. And then he just doesn't use them. Oh, well, that's even worse.

And they're worth $800 a piece. That's the worst of the worst. They just burn you. They just burn them. Yeah. And it's like, I could have given them to somebody who would have liked to have gone. Yeah. But you took them and threw them in the trash.

That's just rude. That's going to be rude. There's a lot of ticket etiquette going on today. There we go. This is The Ramsey Show. Jade Walsh, all Ramsey personality is my co-host today. Open phones at 888-825- 5225. Chanley is with us in Birmingham, Alabama. Hi, Chanley. Welcome to the Ramsey

Show. Hi, Jade. Hi, Dave. Thanks so much for taking my call. Sure. What's up? My husband and I currently, outside of our home, have one large debt, and that is my student loan totaling $58,000. I have a paid off vehicle that's worth about $68,000 currently. Yes, I'm really wanting to sell the vehicle to get something, you know, just as reliable and paid down some of that student loan. I'm sure you guys would think that is probably a wise decision. I guess my husband thinks otherwise because he's a car guy, but what are y'all's thoughts? What's your household income? About $150,000. Do you have any other money?

No. I don't mind this idea. This is your only debt, the $58,000? Or do you have other miscellaneous debt? Besides our mortgage, that is our only debt. And how much is his car worth? His car is paid through his company. It's a truck that his company pays for no i mean the truck is in your name oh my vehicle no no no his truck his company doesn't own it

you own it and you have the debt right if his company doesn't pay you next week, you still have a debt on that truck. Right? Or do they furnish him a company truck or a car allowance? Well, it's his family's company. He and his father are in the company, so they pay for it monthly. It is in his name. So if something happened, he would be on the hook to pay for it is what we're saying okay you're on the hook to pay for it period okay so yeah you you have a car you have a debt on his truck he has a debt on his truck

and how much is it yes sir i have no idea yes um. Another $60,000. Oh, at least, I'm sure. I'm sure, yes. You're looking at that debt wrong. He's looking at that debt wrong. If it's a family-owned business and he and his dad own the business together, that business does not have this debt. The debt is in your personal name.

Okay. If he and his dad have a blow up and things go sideways you have a huge truck payment to go with your paid for car so you need to pay that off also as soon as possible and i don't know that we're going to get mr i'm not on this idea to go along with this but um uh but yeah i I think you need to do both. You need to clear the student loan and you need to clear your debt. And you guys have too much invested in vehicles for people that only make $150,000. Because these cars all go down in value like a rock.

And you guys have like, you know, you've got almost an annual income tied up in two cars. That's way too much. Both of these vehicles are too high. So, yes, I would sell your car, and I would buy no more than a $15,000 or a $20,000 car. I would pay it on the student loans, and I would develop a plan to finish the student loans and finish his truck payment as soon as possible.

The biggest problem here is not the debt. It's getting the spouse on board. It's the perception that this isn't debt yeah okay yeah so yeah if you own the company you're self-employed they don't banks don't loan small businesses money they just don't they loan the small business owner money and so if you have a small business that has debt, it's in your name. It's your debt. You have debt, period. It's basically glorified consumer debt is all it is.

And so dude has a truck payment. Heck yeah. That's all it is. That's what it is. Dude's got a truck payment. And he's acting like, oh, well, the company pays it. Well, this isn't freaking general motors paying the bill this is your own self paying the bill so you're swapping pockets and

got the whole thing in your name and acting like because it's a business that somehow this made a truck payment smart that's right dude's got a truck payment that's what this is yeah because i guarantee he bought more truck than he would have bought it was just his money well because the company's paying yeah well by the way i'm the company yeah it's like my wife i have been working for gosh almost 30 years to explain to sharon that things that come from like if we go out to dinner and it's a company thing and the company pays for it i already know where you're going with this she she says oh i'll go it's free It's a business expense. It's free. It's not free. If you own the company, you just bought yourself dinner, woman.

That's a fact. That's it. I mean, it's not like, I'll go because it's free. It's not free. The emotion is different. You know how many times we've had this discussion going somewhere in the car? Over and over. I want to do it.

It's free. The company. Ah, you own the company you just swap pockets it doesn't make it free oh it's the same exact thing i'm a little like sharon on that well you don't own the company though that's true if the company buys you and sam dinner it is free that's true hello but if you and sam do something on Sam's business, it ain't free. It's not, but it does feel different. Sharon, if you're out there, I sympathize.

Sharon doesn't listen to the show. And it's a good thing. We're safe. We're safe. No, you're safe. Bridget's in Cedar Rapids, Iowa. Hi, Bridget. Welcome to the Ramsey Show.

Hey, what's up? Oh, I love your show. I love your kids. I love your family. I love Sharon. Thank you. We all love you. How can we help?

I'm in the middle of a farm situation. My husband passed away a year and a half ago, and I'm up in the air about finances and things. And it kind of started, he had a will. He gave it to his brother and sister. If something happened, he changed the will it didn't get signed before he passed away and it's not a will uh not in iowa it's not the changes no if you don't sign a will it's not a will i couldn't rip the iv out of his arm and have him sign it. I could have if I was a shady person, but I wasn't. He didn't sign the will.

It's not a will. That's just the legality of it. He was dying. I don't care. He didn't sign it. It's not a will. I do care. I'm sorry he died.

I'm sorry he went through this, darling. What were the changes? What were the changes? were the changes where's the issue he decided that he didn't want his brothers and sisters as involved as they were we were only married 10 years um but through our grandchildren in life he's like know, this isn't the way I want it. Okay, so where are you today? Who's getting what according to the will that was signed, that the brother has? Nobody is, because we've done settlements that didn't work out.

We've done a mediation. It didn't work out. Another brother has passed away, one of his brothers it's just getting snowballed into a bigger mess than it was in the first place what's all this money what's all this worth uh a lot what's a lot six million okay how old are you 65 okay why why have the why have the mediations not worked out? A couple of them contested and have no counter at this time. Okay. Do you have an attorney? I do.

Okay. Does the will that was signed that the brother holds give you what you were looking for? Yes. Got no problem with lying. So why are you, you're not contesting anything then? Not at all. I don't want a third of a farm. I'm not a farmer. I'm from Chicago. Okay. I guess you need to get an attorney and have your attorney go before a probate court and tell the judge to rule on this. Because they can't, you haven't been able to settle it, you haven't been able to mediate it the judge needs to rule and the judge will make a ruling and then they'll be settled that's all you need to do quit screwing around with making everybody happy they're not going to be happy this is the Ramsey Show. Hey you guys health insurance costs are only moving one way, and that way isn't down.

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family who will pray with them and for them when they experience a medical event. So listen, y'all, there's no better way to take care of health care costs. CHM programs start as low as $98 a month. So learn more today and join at chministries.org slash budget at chministries.org slash budget. Jane Walsh, all Ramsey personality is my co-host in the lobby of Ramsey Solutions on the debt-free stage. Douglas is with us. Hi, Douglas. How are you?

Happy to be here, Dave. Honored to have you, man. Honored to have you. Love your t-shirt. Pleasure is mine. Discipline equals freedom. Amen. Well done. Amen.

So where do you live? I live in a small town in Sonora, California. Oh, very nice. Yes, sir. That's a nice area. It is. And how much debt have you paid off, Douglas? $192,000. Woo2 000 right how long did that take

uh from uh uh your financial peace university it was five years five months all right i love it and uh what was your average or your range of income during that time uh 56 000 i now make 87 000 whoa yes sir what do you do for a living i drive big red i'm an engineer firefighter with stanislaus consolidated fire protection district outside of modesto love it wow look at that photo what kind of debt was the uh 192 it's the weirdest debt you'd ever hear of it is uh my house hey let's go. Well, we're looking at weird people with a paid-for house. A big red driver with a paid-for house, baby. Game on.

Yes, sir. I love it. Congratulations. Thank you. Well, tell us the story. What started this journey five years ago? It started the journey basically I had a new engineer bid in with us, and he said, have you heard of this Dave Ramsey guy?

I'm like, no. And he's like, well, you got to check him out. I was like, okay. Well, he got me into FPU. He's right here with us today. All right. And he got me into FPU. We did FPU.

And then also one of my interns, it turns out, he got hired with Modesto. He ran our table during FPU. He's also with us today to celebrate as well. All right. That's awesome. Very cool. Very cool. Where did you take the class?

We took the class at a church in Modesto. I don't remember the name of the church. That's okay. It was wonderful. We had, this might make you laugh a little bit, 35 credit cards on our table. Wow. There it is. Chop them, chop them. Get them rid of them serious plastic surgery well done that's five years ago your income over five years goes from 56 up to 87 and you just keep plinking on the house yes sir did you have

any other debt when you started uh i was i had a little bit of stupid because i had been told you have to have a credit card to buy a house. And we both know that ain't true. And so there was just like $100 or $200 on that. But that was gone immediately. So it's just a matter of saying, okay, I'm going to line up for the long haul. Never again. Going to do a little marathon run here. A little five-year run and knock the house out.

How old are you? I'm 46 years old. What's this house worth? This house is now worth, last I saw, $340,000. Good for you. And how much you got in retirement? Retirement right now? Well, I have my PERS retirement, and then I have currently $50,000.

Okay. Good for you, man. Well done. Well done. You've done great. Congratulations. Thank you. And all making $56,000 to $87,000.

Yes, sir. Yes, sir. Yes, sir. So you paid off your house i'm just struggling i'm just my mind is blown by this five and a half years basically most people do that when they get intense in about seven years what how did you do this and what would you say to other people because most people 46 it doesn't matter if you're 46 56 they don't understand this idea of paying off your house. And they certainly don't understand how in the world someone could do it in five years and five months.

Well, if I could share, like, I would love to share that feeling, um, of the freedom you get once you do it. If, if, if people could just have five seconds of that, um, never go back, never go back. Uh, there were, there were days where you would put in like our, our typical shift. We work a 48 hour shift and then we're off 96. Um, there were times where I'd put in six, seven, eight, 10, 24 hour shifts just to knock it out. Um, that was a big part of it. Um, the big part for me, um, me was, like you said, you inspired me so much with changing that family tree. I want something to give away to my family someday when I'm able to find that lady and have my family. It's going to be amazing.

Yeah, way to go. That's so cool. Proud of you, man. Thank you, sir. Good work. Thank you so much. When somebody says, you know, a new guy comes on the shift and you go um now you're the guy bothering like your buddy over there right um hey you gotta try this ramsey stuff what do you tell them the secret

to getting out of debt is i got a paid for house i'm 46 well we actually had that conversation with firefighter baker the other day um we already showed him every dollar when i get back i want to put him through financial peace university uh The main thing being is to stay focused, pay attention to the people around you, and the main thing being is just you have to believe that you can do it and knock those other voices out around you, block them out. Those saying, oh, it's good debt. You have to have that. No, no, you don't. You're in California. Nobody has a paid-for house. This guy does. Come on.

Except Douglas. Except Douglas. Yes. And now I think my biggest problem is trying not to, you know, being too much of over it. You know, you have to like slip in a little bit. Hey, you're at FPU. Hey, you're at Ramsey.

You want to just take your baseball bat and go, hey, wake up. Knock them on the side of the head. I love it. That's great. Thank you, man. Thank you very much. We appreciate it. We're so proud of you.

We've got the Live and Give box for you. Thank you. And that's the Baby Steps Millionaires book. That's your next step for sure. Yes. And the Total Money Makeover for you to give away and maybe get somebody started. And I'll give you a Financial Peace University in that kit and you can use it for firefighter baker that way absolutely absolutely knock him on the head with it hit him with the box and then hand him that and i'd like

to say one thing one more thing before i do my screen i want to thank my family this is my father my mother they came down with me from virginia today that's the man that taught me how to work that's my hero if you want to know who a firefighter hero is man he's right there and he's also right there so there you have it proud of you guys well done well done and i know your dad is excellent stuff and your mom good good good work all right douglas from sonora california how do you do it? You work consecutive 24s. Whoa, mic drop. Yeah. Five years, five months, paid off $192,000.

House and everything. And yes, I did say California. $56,000 to $87,000 as a firefighter. Count it down. Let's hear a debt-free scream. Three, two, one. I'm debt-free scream three two one i'm dead this is how you do it in sonora right here i'm just saying that's great wow

powerful that was something he almost knocked himself over with that scream that was intense that's what i'm talking about well i tell you uh the first responder community uh in general i was just talking to one of our entree guys he was speaking to one of the large sheriff's departments there in california last weekend and uh several of them came up to him after he was leading he was leading a workshop for him and said that you know they've been following our stuff and several of them were millionaires. And so the first responders community does a really, the ones that know how to lean in, they do an excellent job of applying these principles. I could see that.

It's very, it's a very community driven bunch of people. And all it takes, like he said, is one guy getting in there and say, hey, let me show you what you what worked putting their arm around them i love the language that they use with financial peace he put me in he put me into financial peace and now i'm going to put him into file it's like you you literally take them with you grab them by the arm you're going with me over the top here we go that's right yeah it's uh good that we do that on uh the way, for those of you tuning in by one of the nine million methods we have out there, we're taping this, broadcasting this on September the 11th. So to honor a firefighter on that day for his debt-free scream is really, really appropriate. Yeah, that's special.

And honor the first responders in any way we can because that was an – I'm old enough, I remember that very viscerally. Some of you weren't born yet i know but for you it's like pearl harbor it's some kind of distant history thing but for uh for those of us that remember watching those uh cowards fly those planes into those towers um it's something we will never forget the feeling in our chest the feeling down the back of our neck and uh then watching those heroes go in and save people and attempt to save people. And it was a wild, wild event, to say the least.

And thanks to all of you that serve as first responders out there. You're amazing people. This is The Ramsey Show. Jade Walsh, our Ramsey personality, is my co-host today. Washington, D.C. is calling. Alicia is with us. Hi, Alicia. How are you?

Hi. Hi. I'm well, thank you. I hope you are doing well. Happy Monday. Happy Monday. How can I help? I'm going through a little bit of a moral dilemma, I guess, when it comes between making choices with money and with what to do with a personal situation.

Okay. Basically, I've made some mistakes. I've gone through some blunders, whatever you want to call them. Had to pay them off. I only have about 46,000 left in debt. It's half and half between student loans and credit cards. I am wondering, I guess I'm going to summarize. Basically, my dad is very, very sick.

The doctors think this will be his last year. Sorry. And I think I can't afford to do all the things that he wants and wishes, like travel and meet up and all these things. However, it's also his last year. This will probably be our last Christmas together. And I'm trying to figure out and budget like to, um, see him as much as I can. I live a thousand miles away from him over that. Um, actually, but, um, anyway, um, I guess when it comes to situations like that in life, like what,

where do you even start? What do you do? I'm sorry. So where does he live? Minnesota. And what's the nature of his illness? Pancreatic cancer. That's tough. Okay. and what do you make a year

it's varied um the last few years and is currently varying because i've had to take time off because i've gotten sick myself. I guess if you were to ballpark it, let's say 70K. I'm a critical care nurse. Okay. All right. What was the nature of your illness? Stupid things from Lyme disease to kidney infections to... Those don't sound stupid.

That's chronic. That sounds stupid. It sounds pretty rough. Yeah, it sounds serious. Okay. And so he's wanting to see you. You're wanting to see him with this diagnosis. That makes a lot of sense. You also mentioned that he's wanting to do a lot of things I can't afford to do.

What does that mean? I am, I've already canceled all my subscriptions. No, I said he's wanting, I thought you said he's wanting to do a lot of things that you can't afford to do. What is he asking to do that you can't afford to do? Go out to Colorado, visit him in as new place at Estes Park so he's in Minnesota or he's in Colorado great question I don't even know he goes back and forth does he have two residences he has two houses he has businesses out in Florida, Colorado, Minnesota, and I think Arizona. So does he have a lot of money?

Yes. Okay. And what is it he's wanting you to do other than spend time with him? For his last, you know, he wants to see, you know, his family all, like, together and happy together. Okay. So it's you going on some trips, buying the flights to go to Colorado or buying the flights to go to Florida.

We're not going to Japan and Australia, right? Not necessarily true. I mean, we took a trip to Germany. But I'm saying, is there anything that has been planned other than, hey, you might have to buy some flights over here to Colorado? My dad's a last minute guy. Okay, Alicia, let's stop a second all right there's two things going on all right number one is it valid to desire and figure out a way to spend time with your dad in his last year of life absolutely is it valid for him to pull everyone's strings and put you so far in debt when he has money to accomplish this goal? That's selfish on his part.

So if he wants to spend time with you in Germany and he's a last minute guy, he needs to be buying the tickets. He has the money. You don't. Dad, I can't afford to do this. I love you. I would love to spend some time with you. I will drive to Minnesota when you're there. That's the closest point.

Or I will drive to Florida when you're there. That's even better. I can do that in one day. It's 1,000 miles. I'll just get in the car and come. And I can spend a couple of three days with you, and then I'll have to come back and go to work. That's what real people do in situations like this. Yeah, there's nothing. You don't get to just make up finances if they don't exist because this is a

horrible, sad situation. Yeah, and on your part, there's nothing wrong with getting with your family members and saying, let's make a plan. Like, let's plan this out. What do we want to do? What do we plan to do? That way we can all decide if it fits in our budget and we can make changes if we need to because if he really does want to see you guys and spend time with you guys and that's the point, then that's what's going to happen. But you got to be proactive.

20 years ago, my father-in-law decided he was going to pay for the whole family to get together once a year. We call it the family reunion, no duh. And he pays for the whole deal it's nothing fancy it's our lake house but he pays for the food and the boat gas and whatever none of us need his money all of us have enough that we're just fine but it's his great pleasure in life to make sure he gets everyone together he's 94 this year no one will miss and he will still pay for it because we can't make him not pay for it it's part of the joy of him gathering everyone together and paying for it that's how

this works in the real world okay but we do it at a place that we can afford and that everyone can pull off um you know he's not asking everyone to go to japan who's broke because he's impulsive that's weird okay i know so you need to set some boundaries with your dad loving and say i am more than willing to spend time with you i cannot i do not have the finances to follow you around all over the world if you want me to do that you're going to have to buy the ticket dad and it's okay if you don't want to but it doesn't you cannot say that means i don't want to see you because i'll get in the car and drive to florida when you're there and see you i'll see you i'll spend time with you but it's it's not required that we do that in an exotic expensive location it's just required that we spend t-i-m-e together that's how you spell love t-i-m-e

and it's not it's not exotic that's not how you spell it yeah that's good that's good and so i'm sorry honey i'm sorry you're all facing this tough but the way and i'm sorry your dad's having to um navigate these emotions and he's struggling to do that properly so you've just got to be loving and kind and say dad i want to spend time with you i'll have to do it in a way that i can afford to do it i don't have the money and if you want to do something impulsive if i can take time off i will if you're a last minute kind of guy um which by the way if i had one year i'd be a last minute kind of guy yeah absolutely for the whole freaking year all year, I'd be a last minute kind of guy. Yeah, absolutely.

Like for the whole freaking year, all the time. I'd be calling people up and going, hey, we're going, where are you going to go? Everybody load up. I know that's right. I don't mind that, but I'm also paying for it. You're paying for it. Yeah, that's true. And I'm not asking broke people that I love to go in debt.

And it sounds like he has the money. To fund a memory. Yeah. He's got the money. Yeah. So, yeah. He's got businesses all over the place, houses all over the places. Mm-hmm.

Yeah. So, this is the proper use of this. It's not, you don't use, well, I'm sorry. I'm sorry you're facing this. Yeah. It's awful. That puts us out of the Ramsey Show in the books. Hey, what's up, guys? It's Jade. If you love the show and want a deeper dive on your money journey, we have a weekly newsletter that gives you trending and helpful articles and tips on

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